Simple Ways to Save Money Everyday
- Read the weekly sales paper you receive in the mail from your local grocer. Make a grocery list according to what is on sale. Check out the buy one get one free deals.
- Give yourself a daily allowance in cash! It is easier to stop yourself from an impulse buy when you actually watch your money being spent. Once your allowance is gone, it’s gone. Keep that promise to yourself.
- Eat at home. Not only is it better for your wallet, it is better for your health and your relationships. There is nothing like a home cooked meal (even if that meal is soup and sandwiches) with your loved ones.
- Browse your local power company’s Web site. Many times they offer money-saving advice as well as free items. Duke Energy sends free, energy-efficient, long-lasting light bulbs to customers who take a short survey. Read any newsletter that comes with your monthly utility bill. These newsletters let you know of all the great, inexpensive activities going on in the community.
- Cancel your gym membership and exercise outside. Go for a walk or jog. Play a game of tennis or touch football. Play hide-n-seek like you did when you were young. You will have way more fun, guaranteed!
- Refill the ink in your printer cartridge instead of buying a whole new ink cartridge. A refill is roughly one-third of the price and is better for the environment. Any photo center or office store offers this service. Also check out online stores like Databazaar.com.
- Teach your kids how to save money. Teaching your kids about money is good for you now and great for them later!
- Pay your bills on time. Late fees are like throwing money away. Call your bank and tell them to cancel the overdraft program on your account. Though you may be embarrassed if your debit card is declined at the convenience store, you will be glad when you aren’t hit with that $30 overdraft fee.
- Downgrade. Do you need all those features on your phone? Maybe you don’t use all of those features, but you certainly pay for them all. Downgrade to a more sensible plan and you could save $20 or more a month. Check with your internet and cable company as well. Cancel magazine subscriptions. Many magazines have informative Web sites that you can access for free.
- Plan. Plan. Plan. Plan your meals for the week. Make a grocery list before you enter the store. Plan how much you will spend on entertainment for the weekend. Planning will keep you from over spending. If you know how much you have to spend you are more likely to stay within a reasonable budget.
And remember to teach your kids these great tips too. Let them watch you save money wisely. Giving your kids these healthy habits now, will save them from a lot of trouble later.
Don’t Leave Your Kids Out in the Cold.
It’s a new era. Parents are learning not to keep their kids in the dark about finances. Parents now know that early money education means a brighter financial future for their children.
Bring Them Inside, Where it’s Warm.
Parents often keep their children as far away as possible from financial matters. They don’t want to burden children with money issues or feel it is none of their business. Well, you certainly don’t have to give them a break down of your financial life, but you do need to give them an age-appropriate education on money.
Why Do Children Need To Know About Money?
They need to know about finances because using money wisely is a skill. And a skill is learned. Just like you can’t expect your kids to be athletic adults when they spent their childhood eating cupcakes and staying inactive; you can’t expect your kids to leave home and just naturally know how to handle money when no one ever explained finances to them. They need an education. And they need hands-on interaction with money.
Money will always be apart of your child’s life. There is no getting around this. The more they understand how money works, the better.
How to Teach Your Kids About Money.
How do you teach your kids about money–you get help! Sometimes the best parenting comes from knowing what you don’t know. In other words, you reach out and educate yourself.
Who Can Help?
Teaching your kids about money now is one of the best ways to plan for their future. It is also a great way to guarantee your future peace of mind! You want your kids to have a healthy relationship with money and the best time to start that relationship is now.
If you are interested in learning all the tools necessary to guide your children into a bright financial future, visit Cash Savvy Kids.
How Cash Savvy Kids Can Help You. . .
- Learn from top financial experts. Surrounding yourself with people smarter than you (experts!) will make you reach heights you never dreamed of.
- Click on links to other great financial Web sites designed to help you educate your children about finances. Education is going to empower your children to not only live a full life, but to also have a healthy relationship with money.
- Watch the free Web series featuring 15 expert financial speakers. Watching this series is the perfect way to get all the information you need in an easy and relaxing way.
- Upgrade for tons of useful and informative, must-have bonuses. A product is quality only if it is useful to you and your child’s life. Cash Savvy Kids is an amazing, quality resource to help you and your child learn about money. It is a life-changing experience. Don’t miss out on all the bonus material.
Get expert advice on how to teach your kids about money here: Cash Savvy Kids
Ready to create a personal budget spreadsheet but don’t know how? Just use these free and easy-to-use resources:
- Allow AARP’s money tools to help you organize your finances.
- Use the calculators as a personal budget spreadsheet.
- From the debt consolidation calculator to mortgage tax savings calculator and everything in between, you are bound to find a budget spreadsheet to fit your every need.
- Also, read the comments by registered users. They offer invaluable tips to help you achieve financial security.
- Mint.com is an invaluable resource, and its free!
- Mint gives you a complete picture of your finances–both a sobering and empowering action to take for your financial life.
- See exactly where every penny goes and become aware of how and where you misuse your money.
- Mint.com will even send you a text or email when you have gone over your budget.
- Use this software as your budgeting worksheets.
- Just enter your data–your account is kept anonymous.
- Educate yourself by reading the blog (topics include savings, trends, retirement, housing, and more).
- Let Mint create a personal budget for you, get your taxes in order, and use the free online management tool (check out calculators as well as video tutorials).
Personal Budget Spreadsheet Tips:
- Remember to make budgeting as simple as possible. You will not keep with your financial plan if you dread it. Simply work on your budget spreadsheet for 15-30 minutes on a weekly or a bi-monthly basis depending on your rotation of income.
- If you get frustrated–stop! When you bring frustration into any activity you will always associate that activity with failure or anger. Take a breather when you need too. Don’t make budgeting into an emergency that must get done now! Remember, emergencies consist of bear attacks and fires not filling out a budget spreadsheet.
- Make budgeting a fun ritual and you will keep up with it. Perhaps every time you work on your budget spreadsheet you put on your favorite music and drink a cup of coffee or tea. Keep it relaxing and fun and there is no telling what you will accomplish with your money.