1. Save up to 50% per month on convenience cleaner cloths by cutting them into half, i.e. dryer softener cloths, face cleanser cloths, etc.
Savings: $5 per month
2. Find more thoughtful gifts and buy when the item is on sale, shop for birthdays and holidays throughout the year not at the time of the events.
Savings: $10 per month
3. Bring your lunch to work once a week instead of eating out.
Savings: $7 x 4 weeks = $28 per month
4. Don't go to the coffee shop on the weekends.
Savings: 2 visits @ $2 = $4 per week x 4 weeks = $16 per month
5. If you carry a balance on your credit card, and you're only ableto afford paying the minimum monthly amount, pay weekly installments instead of one monthly payment. For example, if you owe $100 per month, pay $25 per week. Because credit card companies accrue interest daily on your balance, paying only once a month is a huge detriment to your fiscal health.
Savings: $10 - $100 per month (or more!)
6. Instead of a family night out, consider having an old fashionpicnic together or a bike ride. Curbing entertainment costs doesn'tmean curbing the fun.
Savings: $25+ per month
7. Spend a day cooking meals that can be frozen for later use foryour family. Once a Month Cooking, a book by Mary Beth Lagerborg and Mimi Wilson, features grocery lists and recipes to prepare and freeze a month's worth of food for you and your family. Not only are you able to purchase the food in bulk, this method prevents having to throw away any spoiled food.
Savings: $50+ per month
8. If you are a regular monthly book buyer, stop the habit and visit your library instead! If you insist on buying books, buy it used at your local store or online at merchants such as http://www.half.com/ or http://www.amazon.com./ Even a better idea, how about selling the books you have that you don't need!
Savings: $5 - 15 per month
9. Use less expensive gasoline. If you live in North America and have Internet access, you are able to search for the cheapest gas price in your neighborhood with Gas Buddy, http://www.gasbuddy.com./
Savings: $5 - 15 per month
10. Use two-for-one coupons when dining out; search for these inlocal newspapers, flyers, and in your "junk mail." If you are a group of four or more people, consider buying dining certificates at Restaurant.com, http://www.restaurant.com./ After choosing your city and state on the Website, you will be presented with a listing ofrestaurants vying for your dining dollar!
Savings: $5- $50 per month.
One Paycheck at a Time Inc. is the leading source for sensible debt reduction solutions. Its products include the One Paycheck at a Time, as well as an ebook format, and the eTools program. The author of the book and president of the company, Kimberly A. Griffiths, has been through the vicious cycle of debt herself and has made it her personal goal to share her experience to help others. More information can be found about the company and its products at http://www.onepaycheckatatime.com./