This Year, Save An Extra $15K
This Year You Can Save $15,000.00
These days, it seems like everyone could use a few extra dollars. Did you know there might be a cache of cash in your budget? Later we will show you how you could save over $15K a year.
But first:
Get a Budget – Know Where Your Money Is Going
By analyzing what you spend and how you spend it, you’ll find money that is not being out to good use.
Know where you stand: A budget helps to identify whether you are living within your means by comparing you’re spending to your income. A budget will show you where you could cut your expenses and where best to relocate that money.
Know where you are going: Once you know what your lifestyle costs, you can determine how much you will need to save for future events and emergencies. Evaluate you budget often. It will help remind you of your plan keep track of your progress and motivate you to keep working toward reaching your goals.
Research Options- Know What Things Cost
By becoming informed about the product you want, you will be able to make a more educated purchasing decision.
Purchase with confidence: Be assured in what you are buying by thoroughly researching how much the product should cost before making the big purchase.
Read product reviews: To make sure that you get a quality product that meets your needs, read what others who own the product have to say. Consider waiting a few weeks to make your purchase until you find a coupon or rebate, or wait until the product goes on sale to get the best deal. 30% of eligible consumers FAILED to apply for product rebates. 21% of those who DID apply never received a rebate (turned down due to technicality or didn’t follow up).
Negotiate – Know How to Make Deals
Negotiating is a great way to save money, as long as you use it to purchase items you truly need. Don’t just buy things because you were able to get a good deal on them. Decide the maximum amount you are willing to pay. If the price, terms or risk is too high, reevaluate. Most salespeople can sense the “got to have it now” buyer.
Talk to the right person: Always make sure the person whom you are negotiating with has to power to bargain. An unqualified person may not know the price is negotiable. Do your research ahead of time and you’ll know what a good deal looks like.
| Property Tax Adjustment- | $147 |
| Lower home values means lower taxes; make sure you are not over insured | |
| Bundle Home and Auto Insurance- | $400 |
| Save big by using same provider for Home, Auto and Life Insurance | |
| Select A Higher Deductible for Auto and Home Insurance- | $150 |
| Lower your premiums by choosing a higher deductible | |
| Bundle Cable, Phone, and Internet | $240 |
| Get more services from one company and save; only get what you need | |
| Reevaluate Your Mobile Phone Plan | $240 |
| Check your bill the last couple months and see if you can lower your plan | |
| Maintain Bank Account and Avoid Fees | $84 |
| Paying your bills online increases awareness of your account activity | |
| Put Money Into Savings | $600 |
| Set aside $50 each month; you’ll be surprised how quickly it adds up | |
| Save Your Loose Change | $180 |
| Average $0.50 a day; Its likely you wont miss it anyway | |
| Use A Flexible Spending Account | $250 |
| Many employers offer this benefit to repay for out of pocket medical expenses before tax | |
| Bring Lunch To Work | $780 |
| It costs $3/day or less to bring food from home vs. $6/day or more for takeout | |
| Eat Out Two Fewer Times A Month | $360 |
| Make dinner at home instead of eating out, and watch the saving add up | |
| Pass On Beverages When Eating Out | $100 |
| Some restaurants sell wine at 575% markup and more for soft drinks, juices, and coffee | |
| Bottle Your Own Water | $730 |
| Be kind to the Earth and save up to $2/day; get a BPA free water bottle and filtration system | |
| Brew Coffee At Home VS Stopping At Coffee Shop | $1,156 |
| The Ambiance of java retailers can be very costly | |
| Buy What’s On Sale At The Grocery Store | $1,000 |
| Check the weekly ads for specials and seasonal discounts | |
| Use coupons For Groceries And Dining Out | $2,000 |
| Take a few moments to check the publications and websites for cash-saving coupons | |
| Buy At The Grocery Store Instead Of At The Local Drug Or Convenience Store | $200 |
| Best buys at the dollar store are cleaning supplies, gift wrap, snacks and shampoo | |
| Carpool To Work | $520 |
| Reduce fuel costs, wear and tear, and traffic congestion, and help the environment | |
| Slow Down And Save Gas | $200 |
| Speeds above 55 mph reduce gas mileage by 22% add another 10% when windows are down | |
| Change Your Own Car Oil | $100 |
| Cut costs, control the quality of oil and use the opportunity to do a quick check of your car | |
| Air Dry Your Clothes Instead Of Using A Dryer | $312 |
| For every hour your dryer is on, $1 is lost along with a pesky sock | |
| Lower The Temperature On Your Water Heater | $50 |
| Switch from 140 to 120 degrees, and you’ll get a reward with little sacrifice | |
| Lower And Raise Your Thermostat | $260 |
| Adjust the temperature by 10% while you are at work, and save while you are sleeping | |
| Save Water By Turning Off The Tap | $50 |
| Turn off the tap while doing dishes and brushing your teeth | |
| Skip The Pet Groomer; Save Money And Bond With Brutis! | $768 |
| Teeth brushing($11)Ear Cleaning($9)Nail trim($9)Bath($10) Trim/ Haircut($25)Each Month | |
| Buy Generic VS Brand Name Pet Food | $360 |
| Often you will find an option with the same nutrients and ingredients as premium brands | |
| Hold Off On The Newest Released Flicks | $96 |
| Save about $8 a movie when they are released at a discount theater or on DVD | |
| Skip The Popcorn At The Movies | $72 |
| If you do go to the theatre, eat first so you don’t spend on expensive treats | |
| Exercise At Home Or Outside Instead Of At A Gym | $360 |
| Save yourself the hassle of waiting in line at the gym, while saving money | |
| Mani/Pedi At Home VS At Salon | $300 |
| Make a small investment for your own supply and pamper yourself anytime you want | |
| Extend Your Hair Appointments To Every 8 Weeks Instead Of 6 Weeks | |
| By pushing your appointments out just 2 weeks you will reap big rewards | |
| WOMEN: CUT AND COLOR | $260 |
| MEN: CUT | $80 |
| Cancel Magazine Subscriptions | $25 |
| If you still desire to read them see if they are available at your local library | |
| Negotiate The Price On The Car | $500 |
| Get a great deal by considering a pre-owned car, and shop around for the best price | |
| Sell Unused Household Items | $800 |
| If you haven’t used it in 2 years, you can do without it. Sell online or have a garage sale | |
| Donate Household Items | $500 |
| Donate anything that doesn’t sell, and take the charitable tax deductions | |
| Maximize All Tax Deductions | $1,300 |
| Pay a professional to help you take advantage of all eligible deductions | |
| Find Unclaimed Money | $150 |
| Visit www.missingmoney.com to check for unclaimed money in each state you lived in | |
| Total: | $15,680 |
