And What You Can Do Instead
TOP 18 WAYS
to Throw Away Your Money
How Are You Throwing Away Money?
 Even though you do what you can to manage
your money effectively, you might be wasting
...
1. Pricey, Unhealthy Habits
Are You Doing This?
 Buying coffee drinks 4-5
times weekly at $3.00 to
$6.00 each
 Smoking c...
2. Bank Fees or Credit Card Charges
If you’re doing this:
 Paying monthly fees
for checking
 Paying high monthly
balance...
Reduce
Your
Fees
Find a credit
union that offers
free checking
and lower fees.
Ask your current
bank to reduce
or remove y...
3. Premium Cell Phone Plans
If you are:
Unfamiliar with your cell phone fees
or plan
Uninformed about how much data
you re...
4. Not Asking Enough Questions
Whether you’re shopping at a department
store or talking with bank staff, if you’re not
ask...
Ask Questions Like These:
When shopping, ask for an extra 10% off of your
purchase or a coupon. Walk away if you don’t get...
5. Ignoring Coupons
 When your Sunday newspaper arrives, do you avoid
looking through the coupon offers?
 Do you throw o...
Save Money With Those Coupons
Take 15 minutes to look through
coupons when they arrive.
Challenge yourself to use 3-4 coup...
6. Being Uninformed About Your Money
Spending money first and then wondering why you’re
short on funds at the end of the m...
“Money talks,
but all it ever says
is good-bye.”
- American Proverb
7. Missed Deadlines and Payments
If you are:
 Paying bills late
 Skipping monthly payments
 Paying extra fees to
credit...
8. Not Paying Attention
Allowing your
mind to wander
when talking with
creditors can cost
you money.
Follow the next
tips ...
Keep Your Focus:
What are
they saying?
Re-state
their offer.
If person is
“pushy,”
decline the
offer.
Be
Proactive.
9. Faulty Vacation Planning
When you don’t take the timing and locale of
your vacation into consideration, you’ll
spend mo...
10. Eating Out Too Often
Instead, save time and money:
 During the weekend, plan simple meals and shop for
the week.
 Wh...
11. Staying with the Same Company for Too Long
 Getting comfortable with your cable and
cell phone companies is expensive...
Get A Better Deal:
Call and ask why the cost increase.
Bargain to pay for only the services
you want.
Check competitor pri...
12. Energy Vampires
Coffee pots, toasters, electronics and
chargers: they all use power 24/7 when
they’re plugged in. What...
13. Overspending on Your Cars
 When you gas up without checking local
prices, you can lose big money over the
year. Pumpi...
Check car manual for grade of fuel
to use and recommended
frequency of oil changes.
Download free smartphone apps
like Gas...
14. Purchasing Books, CDS, and DVDs at Full Price
New books can cost $25.00 each or more. And if
you’re a music lover, buy...
Shop at secondhand and
book trade shops.
Check out local
libraries for access to
all books for free.
Visit local media
tra...
15. Impulsive Buying Habits
Frivolous spending habits are like throwing your
money in a big hole in the back yard.
Do this...
16. Avoiding Generic Brands
Focusing on name brands could be costing you
double what you’d normally spend on food and
clot...
17. Using Credit Cards With No Rewards Programs
These days, you have a lot of options for
credit cards. Maybe you haven’t ...
Enjoy Your Rewards!
Only use credit
cards that give you
rewards.
You can receive 1-
2% cash back
yearly.
If you prefer, op...
18. Going to a Hospital ER
 Using the hospital emergency room as your
medical doctor for non-emergency illnesses
or injur...
Save on After-Hours Medical Care
Go to a local walk-in
clinic, minor
emergency care
provider, or 24-hour
medical care faci...
Once you acknowledge you could be throwing
away money, you can determine how you’re
doing it and decide what you’ll do ins...
“The waste of money
cures itself,
for soon there is no more
to waste.”
- M.W. Harrison
We hope you enjoyed your Special Report!
Curtis Roese is an experienced professional with extensive experience in
personal...
This Free Course Includes:
 A Complete 80+ Page, 16-Module Home Study Course in PDF format
 Companion Worksheets and Che...
Sign Up ~ FREE Personal Finance Newsletter
“Finally… A High-Quality, Content Rich, No BS Newsletter
Written Specifically F...
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Top 18 Ways To Throw Away Money

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If you’re like most people, you probably don’t always recognize the ways you waste your money. No matter what kind of life you lead or career you have, you probably throw away at least some of your precious green.

Maybe you tell yourself it’s okay that you pay the extra bank fees or that the cable bill increased. You think to yourself, “It’s too much trouble to unplug the laptop” or “The charger’s not really using any power unless I have the cell phone plugged in to it.”

You may have some money-wasting habits that you don’t even realize you’re doing.

This book is meant to enlighten you on how you’re throwing away your money and what you can do to hold on to your dough instead. Why waste your money when you could put it to good use?

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Top 18 Ways To Throw Away Money

  1. 1. And What You Can Do Instead TOP 18 WAYS to Throw Away Your Money
  2. 2. How Are You Throwing Away Money?  Even though you do what you can to manage your money effectively, you might be wasting funds without realizing it.  In this presentation, you’ll learn the top 18 ways most folks waste money, plus methods to more successfully manage your cash so you can keep what’s yours.  Let’s get started!
  3. 3. 1. Pricey, Unhealthy Habits Are You Doing This?  Buying coffee drinks 4-5 times weekly at $3.00 to $6.00 each  Smoking cigarettes at $6.00+ per pack  Drinking alcohol at your local bar after work at $3.00 to $7.00 per drink What to do instead:  Make your own coffee and take it with you.  Gradually cut down the number of cigarettes you smoke in a day.  Limit yourself to 1-2 beers at the bar or buy a 6-pack or bottle & drink at home.
  4. 4. 2. Bank Fees or Credit Card Charges If you’re doing this:  Paying monthly fees for checking  Paying high monthly balance fees  Paying high interest rates on loans  Paying fees for things you don’t understand
  5. 5. Reduce Your Fees Find a credit union that offers free checking and lower fees. Ask your current bank to reduce or remove your fees. Pay credit card balances off monthly.
  6. 6. 3. Premium Cell Phone Plans If you are: Unfamiliar with your cell phone fees or plan Uninformed about how much data you really use Paying for high limits on everything in a package Do these instead: Review your cell phone plan to educate yourself. Find out how many minutes you use each month. Determine if a less expensive plan would suit you.
  7. 7. 4. Not Asking Enough Questions Whether you’re shopping at a department store or talking with bank staff, if you’re not asking questions, you’re spending more money than necessary.
  8. 8. Ask Questions Like These: When shopping, ask for an extra 10% off of your purchase or a coupon. Walk away if you don’t get a deal. Phone your credit card institutions and request lower interest rates on purchases. Take your business elsewhere if they refuse to lower rates. Ask questions of everyone who has anything to do with your money. Strive to find better deals.
  9. 9. 5. Ignoring Coupons  When your Sunday newspaper arrives, do you avoid looking through the coupon offers?  Do you throw out the leaflets of coupons that come to your mailbox?  What should you do instead?
  10. 10. Save Money With Those Coupons Take 15 minutes to look through coupons when they arrive. Challenge yourself to use 3-4 coupons weekly. Recognize that when you throw away coupons, you throw away money.
  11. 11. 6. Being Uninformed About Your Money Spending money first and then wondering why you’re short on funds at the end of the month means you lack information. Here is what you can do instead: 1. When you get paid, first pay yourself 10%. Then budget the rest. 2. Space your expenditures to avoid over-spending. 3. Keep orderly financial records to easily access info. Knowledge brings you power over your financial life!
  12. 12. “Money talks, but all it ever says is good-bye.” - American Proverb
  13. 13. 7. Missed Deadlines and Payments If you are:  Paying bills late  Skipping monthly payments  Paying extra fees to creditors without question What to do instead:  Consistently pay on time.  Use the envelope method to ensure bill payment.  Or use a bank account just for bills.  Mark due dates for all bills on a calendar.
  14. 14. 8. Not Paying Attention Allowing your mind to wander when talking with creditors can cost you money. Follow the next tips instead:
  15. 15. Keep Your Focus: What are they saying? Re-state their offer. If person is “pushy,” decline the offer. Be Proactive.
  16. 16. 9. Faulty Vacation Planning When you don’t take the timing and locale of your vacation into consideration, you’ll spend more than necessary on the trip. Instead: Visit off- season for the locale. Hotels will cost less at that time. No waiting at attractions! Flight costs are also reduced.
  17. 17. 10. Eating Out Too Often Instead, save time and money:  During the weekend, plan simple meals and shop for the week.  When you cook, make extra and freeze leftovers for economical, nutritious “fast food.”  Use slow cooker once weekly.  Enlist the whole family to help with meal planning and prep.
  18. 18. 11. Staying with the Same Company for Too Long  Getting comfortable with your cable and cell phone companies is expensive.  You tend to stop asking questions about fee increases and just accept whatever happens.  Try these things instead
  19. 19. Get A Better Deal: Call and ask why the cost increase. Bargain to pay for only the services you want. Check competitor pricing and switch if necessary.
  20. 20. 12. Energy Vampires Coffee pots, toasters, electronics and chargers: they all use power 24/7 when they’re plugged in. What can you do about it? Unplug all chargers when not in use. Unplug small kitchen appliances when you’re finished with them. Always turn off & unplug laptops not being used.
  21. 21. 13. Overspending on Your Cars  When you gas up without checking local prices, you can lose big money over the year. Pumping premium when it’s unnecessary can also deplete your cash.  Are you getting your oil checked whenever your mechanic tells you rather than when your vehicle manual states?  These vehicle-related issues cause slow seepage of funds from your paycheck.
  22. 22. Check car manual for grade of fuel to use and recommended frequency of oil changes. Download free smartphone apps like GasBuddy to find out where the cheapest gas is in your area. Double-check the price of gas at the pump before you pump, especially when using a credit card. Keep a small stash of cash designated for gasoline, to avoid paying up to 10 cents more per gallon when using credit. To stop wasting money on your car:
  23. 23. 14. Purchasing Books, CDS, and DVDs at Full Price New books can cost $25.00 each or more. And if you’re a music lover, buying CDs can be expensive. Movie buffs and TV watchers will also put down a healthy chunk of change to indulge their viewing habits. How can you do the things you love without wasting money?
  24. 24. Shop at secondhand and book trade shops. Check out local libraries for access to all books for free. Visit local media trade/consignment shops for DVDS and music. Your local library also likely has music and DVDs as well. For music, download free music apps like Pandora Radio.
  25. 25. 15. Impulsive Buying Habits Frivolous spending habits are like throwing your money in a big hole in the back yard. Do this instead:  Educate yourself first about what you want.  Find reviews of products you want online to ensure you want or need the item.  Compare pricing to get your best deal.
  26. 26. 16. Avoiding Generic Brands Focusing on name brands could be costing you double what you’d normally spend on food and clothes! Instead:  Buy generic or off-brand groceries and save big.  Save 50+% on less expensive, good quality clothing. Open your mind to the idea that your identity is not tied up in name brands.
  27. 27. 17. Using Credit Cards With No Rewards Programs These days, you have a lot of options for credit cards. Maybe you haven’t paid attention to your perks or are paying monthly fees to carry a card with no perks! Instead:
  28. 28. Enjoy Your Rewards! Only use credit cards that give you rewards. You can receive 1- 2% cash back yearly. If you prefer, opt for free air miles. Or, it’s possible to select gifts at no charge.
  29. 29. 18. Going to a Hospital ER  Using the hospital emergency room as your medical doctor for non-emergency illnesses or injuries will build up huge bills fast.  Luckily, you do have alternatives that can save you lots of money and hours of time – even if you get sick or injured after business hours.
  30. 30. Save on After-Hours Medical Care Go to a local walk-in clinic, minor emergency care provider, or 24-hour medical care facility. Such facilities are set up to expedite medical assessments, cost less money, and might not even charge you a co- payment.
  31. 31. Once you acknowledge you could be throwing away money, you can determine how you’re doing it and decide what you’ll do instead. Re-discover the joy of living by protecting your dollars for you and your precious family!
  32. 32. “The waste of money cures itself, for soon there is no more to waste.” - M.W. Harrison
  33. 33. We hope you enjoyed your Special Report! Curtis Roese is an experienced professional with extensive experience in personal finance and small business matters. Curtis writes and publishes articles, courses, guides and special reports on his personal finance blog. Common Cents Wisdom is a website with hundreds of informative articles, special reports, resources to assist you with all of your financial concerns and a free monthly newsletter. Sign up to receive your free eBook "Common Cents" and get started today on the road to financial freedom!
  34. 34. This Free Course Includes:  A Complete 80+ Page, 16-Module Home Study Course in PDF format  Companion Worksheets and Cheat Sheets  Budget Helpers, Worksheets, and Trackers  Bonus Audio Interviews with Financial Experts  My Secret Resource List of Helpful Money Sites, Tools, and Calculators  Bonus #1: Boosting Your Value Without a Formal Education  Bonus #2: Building a Wealth and Prosperity Mindset  Bonus #3: 25 Ways To Protect Your Identity Don’t Delay! Get Your Free Course Now!
  35. 35. Sign Up ~ FREE Personal Finance Newsletter “Finally… A High-Quality, Content Rich, No BS Newsletter Written Specifically For Those Interested In Personal Finance” What you can expect to receive EVERY Month by signing up:  Special Report – 10 to 20 page in-depth report on Personal Finance topics important to you!  Articles to keep you informed on a variety of topics relevant to your financial freedom.  Action Guides, Worksheets, Resources & Buyer Guides!  Monthly Financial Calendar to keep you organized and current with managing your personal finances.  Periodic reviews of Products and Services – Real Financial Solutions ~ Real Fast! http://www.commoncentswisdom.com/newsletter/

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