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6 Steps to Saving Money

In this economic climate you sometimes have to pinch the penny so hard Lincoln’s head will scream, but even then it can be tough knowing what to do and how to save.

Step 1 – Deal with debt
Get a feel for the weight of your debt. You can look into debt settlement when it comes to unsecured debt like credit cards, medical deb and unsecured personal loans.

Step 2 – Establish some goals
Got a video game you want to buy? How about a house? Figure out how much you need and start putting money away for the task at hand.

Step 3 – Figure out how much time it will take
Want to buy a house in the next two years? Figure out how much time it will take and stick to your plan.

Step 4 – Keep a record of your expenses
Decide how much you are spending on the essentials and how much you are spending for leisure. Maybe see about adjusting the numbers to work toward your goal.

Step 5 – Credit card discipline
Credit cards are to be used for emergency purposes from here on out until you get your debt under control. We’re talking mortgage payments, student loans, anything pressing that you have no other choice but to pay.

Step 6 – 10 for you!
One of the easiest ways to accumulate and save is to simply take 10 of your paycheck and put it into savings.

Books That Help You Learn Money Savings Secrets

With the state of the current economy, more people are looking for ways to save more money and cut expenses. There are many books on the subject.

One source for money saving tips is the “Tightwad Gazette” by Amy Dacyczyn. It consists of three volumes. The series started out several years ago as a newsletter which was compiled into three books. Another auther is Mary Hurt. Some of her books are “Debt Proof Living”, “Debt Proof the Holidays”, “Debt Proof your Kids” Continue reading Books That Help You Learn Money Savings Secrets…

Take The Time To Shop And You Will Save

Shopping is an art that is perfected by those who take the time out to find the best deals, best outlets and the most affordable prices. Most of us love to shop at our usual shopping malls, stores and malls. We basically purchase what we see and usually when we see it. We are normally too busy preoccupied with other things to focus properly on shopping.
Shopping is, however an enjoyable venture that some people treat as Continue reading Take The Time To Shop And You Will Save…

Coupons Are Not The Only Way To Save Money

Many people think that they only way to save money on items is by using coupons. Although coupons can save you a lot of money, there are deals out there that do not need coupons, you just have to know where to look. Depending on the type of shopping you are doing will determine how to find the best deals on that specific product. For example, if you are looking for a certain name brand line of clothing you can go to retail stores Continue reading Coupons Are Not The Only Way To Save Money…

Don’t Toss Out Your Old Make Money With It

Let’s face it, times are tough. Food and gas prices are sky rocketing, unemployment is high, and health care premiums continue to rise exponentially. Most of us will do anything we have to – that’s legal – to make ends meet. In the past, we were known as the throw away generation. Not anymore.

Becoming thriftier with each day that passes is the ultimate goal. You’ve heard the saying, “One man’s trash is another man’s treasure”. It is time to cash in on our trash, and Continue reading Don’t Toss Out Your Old Make Money With It…