Tip 13: Look For Great Used Deals

Newer does not always mean better. In fact, there is a wealth of opportunities out there to find great used items. And it has never been easier because of the Internet. You will save yourself a good amount of money as long as you are a smart consumer and can spot a...

Tip 12: Exercise the Two Minute Rule

Life is full of little temptations, and you are going to have a run in with them every time you visit the mall or one of your favorite stores. The retailers count on it, which is why there is so much merchandise around the check-out area. Many of us struggle with the...

Tip 11: Dine In With Friends

Dining out is often a ritual many families like to practice with their relatives and friends. It is a great time to catch up and socialize, but it can also be pretty expensive. Why not keep that special time with your friends, but invite them over for dinner instead?...

Tip 10: Save In Everyday Living

Cutting out parts of your budget that are more “wants” than “needs,” or just wasteful spending, will help improve your cash flow and savings. Consolidating the little amounts can also save you a great deal of money in the long run. It is easier than you think to save...

Tip 9: Spend Time Not Money

Are you longing for something that you gave up during week one? You may not miss a thing so congratulate yourself.  If you do, a great way to cut those longings is to be creative about how you spend your time, not your money. By focusing your attention on something...

Tip 7: Consult a Financial Planner

Meet with at least one financial planner – they have probably helped others with similar issues. Sometimes it takes an outside perspective on our finances to really begin to see through some of the bad financial habits we may have established over time. It is always...

Tip 6: Review Your Insurance

A periodic review of your insurance – car, health, life, renters or home – might save you quite a bit of money now and in the future. My husband and I had the same auto and home insurance provider for over 30 years. You would think that as long time customers...

Tip 5: Check Your Credit Score

Knowing your credit score and report are important. This one little number determines how much you will pay on many of your debts. You can always check your credit score at www.freecreditreport.com. Clear up any errors you find and identify your problem areas. It is...

Tip 4: Divide Out Your Wants and Needs

Divide what you spent last year into wants and needs. Everyone has heard this before, but many people don’t take the time to actually apply this simple concept. Sit down with your checkbook or bank statement and create two columns on a piece of paper. Actually write...

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