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| 5 Simple Little Ways to Save Each Week |
Submitted by:
Diana Bocco 12/16/2009 5:23 PM
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Contrary to popular belief, you don't need to earn a fortune in order to save. Even if your budget is tight and your finances are in trouble, you can still find ways to save $100 a week without much effort. Just pick a few of the suggestions here or implement one a week until they all become habits.
Give up Designer Coffee
CPA and financial consultant John Azodi believes one of the biggest expense areas is drinks. "If you are spending $3 for a cup of cappuccino every morning, this adds up to $21 a week," says Azodi. Instead, you can choose to buy a three-pound can of French vanilla cappuccino for around $12.00. "This will give you 64 cups of coffee, which is less than 20 cents per cup." Multiply that for a week and you get $1.40 or a total of $19.40 for the whole week.
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Web Search: Discount Coffee Online
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Limit Visits to Banks and ATMs
In some instances, it is smart to shop with cash only, but skip the bank and ATM if you're withdrawing money. "Some banks and ATMS charge service fees – even if it is your choice bank," says Jenny Realo, executive vice president of CareOne Services, a debt relief services provider. Instead, use your debit card to purchase small items and get cash back at no charge from a retailer, such as a grocery store or the local big box. This can save you $2 to $5 for each visit you might have taken to the bank or ATM.
Switch to Generic Brands
These days there is a generic brand for nearly everything, from pharmaceutical drugs to shampoo. "These are not the generics of generations ago," says Greg Karp, the author of Living Rich by Spending Smart. In fact, these brands are just as good or better than national brands and often contain the exact same active ingredients. This can save you anywhere from 10 to 50 percent every time you shop. "To maximize your savings, avoid buying non-food items like batteries, medicine, and cleaning products at the supermarket, where you'll probably pay more than at a local retailer."
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Web Search: printable grocery coupons | Walmart coupons
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Change Your Idea of Entertainment
Going to a movie can cost you $20 for tickets for two and $15 to $25 for the popcorn and drinks. "One good option is to buy the DVD for $15 or less and you can watch it over and over," says Azodi. Or go to see the movie during the weekdays, as many theaters charge more during the weekend. You can also check with your local library to see if they loan DVDs. While you may not find the latest releases there, it might be a great place to find an old favorite or to discover a new classic. You can also check your local newspapers for free events and activities in the area.
Eat Out Less
According to Ori W. Pagovich of Gotham Financial Services, you can easily save $20 a week by bringing lunch to work. "It is probably healthier too," Pagovich says. Making lunch or dinner at home instead of "grabbing a quick bite" can easily save you $20 or more each week. Take your lunch to work every day and you'll find yourself $36,000 richer in 20 years. When you do go out for lunch or dinner, save leftovers for another meal. |
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