· Save your Money! Saving your money isn’t always that easy. The world is full of tempting things that scream your name. But, more now than ever, it is crucial to save. I have a variety of tips to help you save your money and to get your finances under control.
o Put your money into your bank account as soon as you can.
o When putting your money into your bank account, put the majority of it into your savings account and always leave a certain amount in your checking. This is for a few reasons.
§ This will give you control over your checking account when it comes to spending. You will be more aware of a budget or limit when spending rather than knowing that you have an “unlimited” amount when using your debit card or writing a check.
§ For safety reasons: in case you lose your debit card and someone finds it and decides to use it, all of your money will not be available for the fraud to spend (just what will be in your checking account).
§ Make sure you have a saving account that has a good interest program. I have been with Bank of America for a few years now and I love it. They have a Money Market Savings program that allows me to gain a small amount of interest every month. Also, they have a nice Keep the Change program that rounds up to the nearest dollar whenever I use my debit card. That amount is then transferred from my checking to my savings account.
o Pay in cash whenever you can. This will allow you to a better idea of exactly how much you are spending. When using debit or credit cards, it’s easy for costs to add up before you realize just how much you have actually spent.
o I am not a fan of credit cards, at all. I feel that they are a big reason why people are in the unfortunate financial state that they are in these days. But, truth is, credit cards are not always bad. It is important to build your credit so that you can qualify for loans for buying a house, car, etc, in the future. Be sure to pay off your credit cards in a reasonable timeframe so that you do not end up accumulating too much interest.
o It’s no secret that it can be extremely difficult to find a job in this economy but, that is no excuse to soak in your sorrows about not having money. There are always options; you just have to put in the work.
§ Search job websites like Craigslist, IndeedJobs.com, CareerBuilder, etc.
§ Look into Temp agencies. They will help you find jobs that are best for you.
§ Clean out your closet and sell it to local Buy,Sell,Trade stores like Platos Closet, CrossRoads and Bufflo Exchange (search for what stores are in your area).
§ Sign up for focus groups online. These are companies that will contact you to do surveys or testing sessions for different types of product or services. It’s fun, easy and they pay a nice amount.
§ Ask your friends and family members if their job is hiring or if they know of any place. It never hurts to ask.
§ Just go in and apply! Not every place posts ads for hiring online. It’s possible that one of their employees left and there is an open position. Go into a place to apply or give them a call. You’ll never know unless you try!
§ Search for seasonal work. Plenty of companies look to hire additional people for seasonal hours (meaning anything from sports seasons to holiday seasons). If you do a good enough job, maybe they’ll make your position permanent!
Tips on How to Save Money!
http://tlc.howstuffworks.com/family/10-best-web-sites-to-save-you-money.htm
Tips on How to Save Money!
http://tlc.howstuffworks.com/family/10-best-web-sites-to-save-you-money.htm
o I Love Couponing!
§ Millions of dollars get thrown into the garbage everyday with coupon ads. Instead of ignorning those ads in your local newspaper, take a look at them and maybe you’ll find a coupon for something that you actually buy. It will save you money!
§ The more coupons you use, the more money you’ll save!
§ Use your savings card for the grocery store. It’s the easiest way to save moey.
§ Check the weekly savings ad for your grocery store to see what is on sale and then check the coupon ads, you may get a double savings!
§ You can use coupons are stores like CVS and Walgreens too.
§ Walgreens always has their own coupon book near the weekly saving paper which hold good coupons.
§ Some grocery stores like Jewel Osco have their own coupon books near the customer service desk.
Tips for a Novice Couponer!
http://tlc.howstuffworks.com/family/5-extreme-coupon-tips-for-normal-people.htm
Tips for a Novice Couponer!
http://tlc.howstuffworks.com/family/5-extreme-coupon-tips-for-normal-people.htm
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