How do I save money with very little income?
Posted in the La Crosse Forum
#1 Nov 28, 2013
How do I save money with very little income?There are lots of ways to save money and while saving pennies here and there is wise and practical, don't skimp on the energy to save dollars in leiu of finding pennies and when you do find pennies, put them in a savings account.
It does no good to save money and then just go out and spend the found money on wasted wants. You'll find some awesome money saving tips in books and magazines from your local library. Consider starting a group of neighbors, family, or friends to have discussion groups about money saving tips. Make sure to use coupons only on things you need... don't buy things just because you have a coupon.
Don't be afraid of generic products. Don't be afraid to ask sellers for discounts on items or be afraid to walk if they refuse. Don't get into the credit card trap and if you do use credit cards, make sure to get low interest rates and pay on time in full if you can. Review your credit reports for errors. Don't get sucked into all the cable channels or elaborate cell phone plans.
Get as many tax free shelters as you can: 401K, flexible spending, part time business, etc. Hire or network with professionals like tax advisors. They are worth their fees if you use them correctly. Read as much as you can about anything and everything.
Keep up on preventative maintenance on your home, car, computer, etc. Shop around when you purchase items. Don't go overboard with gift giving... give from the heart, not the wallet. Run your home like a business. Recycle to your advantage. You don't have to buy everything new. Walk when you can. Quit or cut down on smoking. Don't collect things that don't increase in value.
Use value when shopping for things. If you are not getting your money's worth from something, look for something else. Make your own sense of image by having money in the bank. Give up on faraway travel as exciting as the journeys might be. There are plenty of amazing things to do right in your backyard. Go to your local zoo instead of planning to go on an African safari. Try new restaurants in your own community.
Make your own coffee instead of going to shops that have branding and image. Walmart has clothing... you don't have to go to Macys or Sax. Stop making businesses rich!!! Treat yourself as a business and make yourself rich.
#2 Nov 28, 2013
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