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.

Water4Gas | Double Mileage | Save Fuel

For more information Click here

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!