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.