Save Money When You Shower

Get a low-flow shower head for your bathroom to reduce the amount of water used.

Another Way To Save Money

Wash your clothes in cold water.

Motion Sensors

Buy motion sensors to install inside and outside of your home. This way lights are on only when someone is in the room, and cannot be left on by mistake.

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Buying Electronic Devices

When purchasing new electronic devices, buy ones with Energy Stars. They can cut the energy they use by half of what other appliances use, helping you save money on your electric bill.

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Purchase A Programmable Thermostat

Programmable thermostats allow you to lower/higher the temperature of your home when you are not there or are asleep. Keeping your home equally cool or warm all the time uses a great deal of energy and causes you to spend more money on your bill.

Use CFL Bulbs

Change your light bulbs to CFL bulbs. They use about 25% of the energy of an incandescent bulb. They are a little bit more expensive, but save you money on your electric bill by consuming less electricity. CFLs also last much longer, saving you even more. Dimming lights can also save electricity, but not all CFL bulbs can be used in dimmers, so be sure to check on the package.

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Generic

Buying generic food products is another one of the ways to save money. Usually the ingredients are the same, or extremely close to those of the name brand item. Before you use coupons to purchase name brand products, make sure that the final price is cheaper than that of the generic product. The generic product may still be cheaper and save you more money.

Eat Oatmeal

Oatmeal can be bought in bulk, is pretty inexpensive, yet healthy and filling.

Save Money Washing And Drying

Only use the dishwasher, washing machine and dryer when the loads are full.

Buy Extra

When you find good deals, buy extra. Don’t over do it and buy more than you will use, though. If you have to throw anything away, you lose out on your savings. Freeze extra food so that it will last longer.

Save Money On Electricity

Unplug your electronic devices. Even when they are turned off, they are using power.

Save Money By Getting Better Gas Mileage

One of the ways to save money is to improve the gas mileage of your vehicle. Visit my blog about fuel efficiency for practical and easy ways to get better gas mileage from your vehicle.

How To Save Money When You Do Laundry

Wash your clothes in cold water, or warm water if necessary. Don't use hot water to wash clothing to save money.

Save Money With Netflix

Another one of the ways to save money from your personal finances is by using Netflix. You save on your needs by saving on gas. Instead of driving to pick up videos, they are sent right to your house. You also save on your fun money because it's cheaper than renting a video from a video store. I pay $9.62 a month with taxes to have an unlimited number of videos sent to me one at a time from Netflix. This means about 8 videos a month, and means I pay about $1.20 per video. It's the same price for Blu-Ray. Or you can choose the $4.99 a month plan to have two movies a month sent to you, paying about $2.50 per video. You can't beat that at a video store! If you go to the movie theater a lot to watch movies, getting them through Netflix would decrease the amount you are spending even more! (Netflix has them available as soon as they are released on video.) Decrease the amount you spend on your needs and from your fun money today by signing up with Netflix. Not convinced, try a two-week trial for free. If you aren't happy, you don't pay anything.

Save Money When You Shower

Change the shower head in your bathroom. It should be a low-flow shower head that reduces the amount of water you use during showers. This allows you to save money on your water bill and helps the environment.

Your 401(k) And Changing Jobs

When you change jobs, don't cash out your 401(k). Taxes and penalties will take up between 25%-50% of your withdrawal. Every $1,000 that you cash out will cost you approximately $10,000 in your future retirement income. Move the money into your next employer's retirement plan or into an IRA.

Save From Your Checkbook

When you write a check, round the amount that you write in your checkbook up. For example, if you spend $97.23 at Wal-Mart, write down that you spent $100. Or when you deposit money, round down. If you get a check for $118.92, write the deposit in your checkbook as $110. This way you always have more in the account than you think you can get your hands on.

This is one way that some people can save money, but not everyone. It could get confusing and make it difficult to balance your checkbook.

Start Worrying About Retirement

150 million people in the United States aren't saving enough for retirement, or aren't saving anything!!

50% of workers ages 25+ have less than $50,000 saved for retirement, not counting homes or pensions.

22% of all workers have nothing saved.

28% of those retired have nothing saved.

It's vital that you start saving now! With inflation and the rising cost of health care, you will need to have a great deal of money saved to have a comfortable retirement.

Don't Pay Off Your Mortgage

Generally, mortgages have very low interest rates. You are better off putting more money into your retirement, which will gain you a much higher interest rate, than paying off your mortgage, which has a much lower interest rate.

15 Ways To Save $10+

1.Make your own coffee instead of buying it.

2.Stop drinking soda or getting snacks from the vending machine.

3.Get Netflix and stop renting movies, going to the movie theater and getting Pay-Per-View.

4.Turn off the light when you leave the room.

5.Adjust the thermostat on your AC and heater.

6.Plan your errands so you go out less often. Have the route planned ahead of time to save money on gas.

7.Run outside or ride your bike and cancel your gym membership.

8.Bring your lunch to work.

9.Stop smoking and drinking.

10.Cut back on snacks and junk food from the grocery store.

11.Cancel magazine or other subscriptions you don't use.

12.Download less music.

13.Only use your bank's ATM and avoid all the fees from other banks.

14.Reshop car insurance.

15.Eat less meat.

Most Important Part of Retirement

It's important to remember that finances are only one part of retirement. You need to take care of yourself now so that you can enjoy retirement in good health. Check out my fitness blog for ideas of how to best care for yourself.
Also, do not neglect your friends and family when trying to save money and plan for your retirement.

What To Do At 60

1.Pay off all debt. It's best not to have any when you retire. (For help contact a bankruptcy attorney or a credit counselor associated with the National Foundation for Credit Counseling.)

2.Plan where you will live and how much you will pay to live there. Selling your house and moving to a cheaper one could help you increase your income to pay off debt or to invest.

3.Make up a budget for your retirement. Most people will spend 70%-80% of their before-retirement income.

4.Update your will/estate plans. This includes durable powers of attorney for financial decisions and health care (sometimes called a health directive). Consider a living will. This specifies the kind of care you would prefer if you are unable to make decisions for yourself.

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What To Do At 50

1.Pay off your credit card debt.

2.Save as much as possible for your retirement.

3.Pay extra toward your mortgage payment so that it's paid off by the time you retire.

4.If your children are all adults and physically able to provide for themselves, don't pay for them or their things.

5.Reconsider life insurance. This may be one expense you know longer need. (Do not stop your coverage if you have people who depend on you and would not be taken care of financially in the event of your death. Or if you have an extremely large estate and need the policy to help pay for estate taxes in the future make sure you keep it. If you aren't sure, consult a professional financial planner that would receive a set amount fee and not one who would benefit from a decision either way.)

Savings Return Rate

Don't spend too much time worrying about the return rates. Just start saving as much as you can as often as you can.

Kids' College Fund

Don't set up a college fund for your children if it means taking away from your retirement. Children will have more options for attending school than you will for retirement. Your retirement is up to you.

If your parents or in-laws are interested in setting aside money for your children's future education, talk with them about setting up a 529 plan in the name of your parents or grandparents. They should be the owners of the account and your child the beneficiary.

Divide Financial Responsibilities

Divvy up the financial responsibilities between the couple. This way both people are aware of the finances, instead of one person being responsible for all the decisions and the other not knowing what's going on.

11 Tips To Save Money Now

1.Decide how much money you want to save. Break it down to find out how much you need to save every week or month.

2.Save the extra money you get when you get a raise.

3.Save all the money you receive from gifts.

4.Set a percentage of your income aside each week or month and have it automatically withdrawn from your account.

5.Save all overtime pay.

6.Save a certain amount of money ($0.50, $1, $5) every time something happens that you have previously decided upon.

7.Save money you get back from refunds.

8.Save all your change, or all your $1 bills, or all your quarters.

9.Make up games to see how much money you can save. This can help keep you from getting discouraged and missing opportunities to save.

10.Save all the interest you get.

11.Use your first two weeks pay to pay your bills, and save the second two weeks pay.

I'm Going To Publish My Articles Here

I am going to post my financial articles here on my blog. I am doing this in the hopes of simplifying things for my readers. In my articles that I publish, I refer to other articles I have written, and instead of having to go and look for them, I want you to be able to find all the information you need right here in one place. However, this will not replace my regular posts. I will keep adding new posts regularly.
Please leave me feedback about this. If you like having the articles posted here or not, please let me know. Thanks!

Save Money On Car Insurance

1.If you're like most people and make monthly or quarterly payments on your car insurance, instead of paying for the whole year at one time, ask if there are fees that you are being charged, and if so, how much they are.

2.Be careful who you loan your car to. If this person has an accident in your car, you have to file the claim with your insurance company. Your rates will be affected and, depending on your friend, you may be the one paying your deductible.

3.If you've had the same car insurance for more than a year and a half or two years, shop around. Call and get quotes from several other companies. Then, contact your current insurance company and tell them that you have a quote from another company that is cheaper than what you are currently paying. See if they can match it. If not, it's time to change insurance companies.

20% For Savings/Retirement/Debt Payment

Once you have your needs and fun money balanced, you have 20% of your income to pay off your credit card debt and save for your retirement. Experts disagree about which comes first. Some say money not saved today is money lost tomorrow. Other say the interest you would be paying unnecessarily on credit card debt while investing in your retirement defeats the purpose of investing. Whatever you decide to pay first, use the 20% of your income exclusively for paying off debt and saving for your retirement. More about retirement to come soon.

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Save Money By Searching For The Best Travel Deals

Another one of the ways to save money is by Taking the time to research a trip well in advance. Click on the above link to search over 200 travel websites to guarantee yourself that you are getting the best deal available and not paying more than you have to for your trip. You can also check out my blog Vacation Tips For A Budget for more ways to save money on your trip.

30% for Fun

In order to save money and have your finances balanced, you need to enjoy it. 30% of your income should be for fun things. This is where you would pay for things you don't have to have, but like to have. This includes cable t.v., internet access, clothes, shoes, gym membership, golf clubs and make-up. From your fun money you pay for your vacations, eating-out at restaurants, going to movies, paying for baby-sitters and buying gifts. If you are married, each spouse must have a certain amount of money just for them, that they can spend in anyway they like.

50% for Needs

To have your finances balanced, 50% of your income should go toward things you need. This means, obviously, things necessary for living. This includes food, electricity, a place to live, car insurance, health insurance, gas and heat.

Save Money By Shopping At Wal-Mart

Shopping at Wal-Mart is one of many ways to save money. Even with the declining economy, prices still occasionally decrease there. You'll almost never find things cheaper anywhere else, but if you do, Wal-Mart will honor the cheaper price from the other store. If they don't have what you are looking for in stock, shop on-line. They usually offer free shipping to the store nearest you. To save money, you can't beat Wal-Mart.

Balance Your Finances

No matter how much money you make, your personal finances needs to be balanced. This is the only way you will feel financially secure. This will allow you to save money, but not keep you from having fun and enjoying your money. The proper balance for your finances is:
50% for your needs
30% for fun
20% for savings
You may not agree with this, you may think this is too high or too low in some areas. But I guarantee you, with your money balanced this way, you will rest easy and feel financially secure. I'll explain about each category in more detail later on.