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ARE YOU TRYING TO SAVE MONEY?

You've come to the right place. Here you'll find more than 101 ways to save every day -- money-saving tips that could put 1000's of dollars in your pocket.

Stretchin A DollarFinding it hard to make that dollar stretch?
You're not alone. Many of us are feeling the pinch of inflation. With higher gas prices and housing costs reaching into the stratosphere, it's becoming harder and harder to save. We need help on how to save money.



Squeeze MoneyWondering how you can squeeze more money out of your paycheck?
There's no doubt about it. The price of everything is going up.  In addition, we are constantly being bombarded with enticing ads that tempt us to buy all sorts of things we don't need robbing us of the ability to save. We need to be more careful of how and where we spend our money. Start with saving money basics.


Nest EggWorried you won't have enough money to retire?

In order to start saving all the money that you'll need for retirement, you need to take 3 steps to set you on the road to saving money big time. If you can't manage these 3 steps, you will forever be playing catch-up.




THIS WEEK'S SAVING GRACE

Keep Your New Years Resolutions Simple In Order To Succeed

It's a new year and time for new beginnings, but instead of making up a long list of resolutions, try making only one -- one that is meaningful and one that you will have at least a fighting chance of keeping. Don't make the mistake of resolving to lose weight if you've made this a resolution for the past 20 years an haven't lost a pound. Same goes for exercise and every other resolution that you've made and failed at. Chances are you will fare no better this year than last or the year before that or the year before that.  It's just too darned hard.

Instead, opt for something that doesn't take a lot of effort, something relatively easy like saving $1.00 a day. Buy a piggy bank or seal up a cardboard box except for a slit to insert the money and every day put exactly $1.00 into the bank or the box. It can be a dollar bill, 4 quarters, or a dollar's worth of change. The trick is to do it every day. Don't cheat by putting away $7 every week. It's too easy to forget or simply not do it. Putting away money every day helps you build a habit that, after one year, guaranteed will be hard to break. In fact, once you get into the rhythm of saving that dollar a day, it could become an obsession. At the end of one year when you are looking at a cool $365 in cash, you may decide you want to up your deposit the next year. Children can also benefit from this exercise by putting away a penny, a nickel or a dime each day from their allowance. This resolution takes only two things -- making sure you have $1.00 in your pocket and the energy it takes to put it in a receptacle.

Resolving to spend less is also an easy resolution to master. Simply take 5 ways to save money from the hundred or more listed in 101WaysToSaveMoney.com and implement them. Keep these simple as well. Resolve to buy more store brands at the supermarket this year instead of name brands. Resolve to buy clothing only if it's on sale. Resolve to drink only tap water or home-filtered water instead of bottled water. Resolve to get an energy audit. Resolve to pack your lunch to take to work one day a week. Resolve to buy one less Starbucks coffee each week. These are only a few of the ways you can effortlessly spend less money this year.

Making a resolution you can keep is far more rewarding than the alternative.

Happy Savings,

The Saving Lady

   

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This Week's Saving Partner

 

 JCPenney 

 

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