Maintain your old Siemens Hipath system

Five Major Ways to Save Money

There are two main roads to improving your personal finances: increasing income, and cutting costs.

Increasing income is the harder road to travel. After all, you can't always get a raise or a new job when you need one.

But cutting costs, that's a different story!

You're in complete control in this area. And all it takes is some imagination and discipline-both of which are free.

Below are five major ways to save money in the basic areas of food, shelter, clothing and transportation. They're major expenses in your life - and places for major savings.

1. Home Cooking

Food is a major expense in everyone's budget.

But, in today's convenience food society, it's easy to overlook how much money can be saved by cooking meals at home. Plus, it's fun, creative, and healthier to make your own meals.

The key is to cook in "bulk" to stretch the food you buy over several meals.

If you're a busy person with little time to spare, a good investment is a slow cooker (or crock pot). Generally, they run from $20 to $80, depending on the size.

With a slow cooker, you can set aside some time on the weekend to cook stews, soups, and other delicious meals that can be frozen for weekday use.

After a hard day at work, all you have to do is pop the meal in the microwave!

More than likely, you'll enjoy an additional benefit - your taste buds will wake up from mass produced food and thank you for the delicious taste of a home-cooked meal!

2. Drive less, exercise more

Is owning a car expensive?

You already know the answer to that question, don't you?

Gas, maintenance, insurance costs. Plus the mental aggravation of being caught in traffic jams!

Why not carpool or take public transportation-the bus, train, or light rail?

Or, if you live close to work, walk or bike. You'll lose weight, lower your blood pressure, and see the world at a slower pace.

And, oh yes, you'll save a couple of thousand dollars in the process.

3. Cut housing costs

This is an easy and fun way to cut costs.

Instead of paying a contractor to come in to make changes or repairs, make them yourself.

Local hardware stores love your business and will help you with tips and tricks on home repair.

Also, do your own decorating and painting. You get two benefits by doing your own changes and repairs - you get the pride of accomplishment and you save money.

4. Cut clothing costs

This can be another major area of expenses, especially if you have a family.

So, try buying used clothing... dry clothes on the clothes line instead of in a dryer... learn how to mend clothes...

...well, you get the idea!

5. Quit your addictions

Okay, so this is not really an easy category, but if you enjoy cigarettes and a drink, this is where you can realize some major savings.

Assume you're spending $5.00 a day on cigarettes. Added up over a year, that's an expense of $1825.

As for liquor or wine, we all know how expensive that is.

Assume you buy one bottle a week at $10 to share with family members or friends. That's $520 a year.

Add both amounts up, and the total is $2,345!

That's money that could be paying down your debt or going into savings.

And don't forget the health benefits.

You probably have many other ideas on how to save money in the five areas.

If it seems hard at times to cut costs in these places, remember one thing - you're on the road to keeping more of your money in your own pocket!

As the old saying goes: "Money saved is as good as money earned".

About The Author

Paul Davis writes for Debt Elimination 4U, showing ordinary people how to get out of debt and stay out! Visit the site at: http://debt-elimination-4u.com

In The News:

Yemen peace talks poised to go ahead, says UN envoy
Thu, 15 Nov 2018 23:04:00 +0000
The man trying to broker peace in Yemen said he is hopeful a new round of talks between the warring sides will begin within weeks provided a lull in fighting for a key port city holds.

Europe has economic woes of its own beyond Brexit
Fri, 16 Nov 2018 12:28:00 +0000
Business and City folk who spend much time travelling, when asked about how the rest of Europe looks at the Brexit issue, report two key trends.

Number of missing in California wildfires rises to 631
Thu, 15 Nov 2018 20:34:00 +0000
The number of people reported missing in California's deadly wildfires has jumped to 631, as 65 victims are confirmed dead.

Story that raised $400k for homeless man 'was a lie'
Fri, 16 Nov 2018 07:16:00 +0000
It was a feel-good tale that swept the world.

Man shot dead outside home 'linked to gangland feud'
Fri, 16 Nov 2018 10:56:00 +0000
A man shot dead outside his home in Ireland is believed to linked to a long-running gangland feud.



tikatoshop.it

Erfahrungen mit Pallhuber Wein
Agen Bola SBOBET Terpercaya

Travel in comfort and at your leisure with CT Airlink Limousine & Car Service for top quality private transportation and exceptional customer service. We operate Sedans, SUVs & Vans for CT Car Services to covering all Connecticut airports including Car Service from CT to Newark Airport , Mohegan Casino Uncasville CT, Foxwoods Casino Mashantucket CT, Manhattan Cruise Terminal NYC, Brooklyn Cruise Terminal NYC and Bayonne Cruise Terminal NJ. CT Airlink hire licensed and friendly chauffeurs who have in-depth knowledge of the Areas.

Credit Card Debt: How to Get Rid of It

This method is simple, but requires some discipline.First, you have... Read More

The Human Side - Debt Stress

In all the technical discussion you hear about credit... Read More

Taking The Plunge Into Bankruptcy

Bankruptcy is one of the most difficult things a person... Read More

Bankruptcy 101

Bankruptcy still remains a mystery in the eyes of many... Read More

Do It Yourself Debt Relief

With mounting bills and unforeseen hardships, you may be considering... Read More

Free Quick and Easy Money Saving Tips ? Part 1

With the high cost of gasoline and the amount of... Read More

Mandatory Credit Counseling for Those Considering Bankruptcy

Most Americans are aware of the sweeping changes in U.S.... Read More

Debt Elimination 3

Planning To Achieve Debt EliminationOnce you have started the process... Read More

Debt Relief -- Why Most Programs Have A 75% Failure Rate

Debt consolidation, equity loans, credit counseling, debt management plans, even... Read More

How Do You Spell Debt Relief?

Of all the problems possible in a marriage, finances cause... Read More

Five Major Ways to Save Money

There are two main roads to improving your personal finances:... Read More

UK Debt When Moving Abroad

The idea of moving abroad to escape debt seems to... Read More

Craving For Financial Freedom

Have you ever felt trapped in a Rat Race and... Read More

Tips To Take Control Of Debt Collection

Yes, debt collection tips can help. You may think you... Read More

Bankruptcy As An Option

If your financial worries are preventing you from sleeping at... Read More

What the Mail on Sunday Said

Anyone considering Bankruptcy may have experienced fear after reading an... Read More

How to Protect Yourself: Debt Collections

So you are getting collection calls? You're desk is full... Read More

Get Debt Free

If you once have been caught in the debt trap,... Read More

The Simple $10 Debt Elimination Solution

Ask a friend what resolutions they made for 2004 and... Read More

Bankruptcy - Your Fresh Start

Most American consumers are living too close to the edge.... Read More

The Five Most Popular Questions About Bankruptcy

WILL MY CREDITORS STOP HARASSING ME?Yes, they will! By law,... Read More

Drowning in Debt? Tips and Tricks for Getting Out of Hot Water with Creditors

Do you, like millions of other Americans, feel like you're... Read More

Is There A Way Out Of Your Debt Problems?

Do you have multiple debts? Do you have just one... Read More

Dont Drown Your Debts, Manage Them!

Are you among the millions of people who have found... Read More

Debt Settlement -- Why the Critics Are Wrong

After October 17, 2005, a lot of people are going... Read More