1. LOWER MEDIA CONSUMPTION
Look into all the media that you are consuming on a daily basis. That
means your cell phone, your home internet access, your cable
television, your extra devices, like iPads or tablets and add them all up.
The bill can easily add up to over $300 a month. Talk to your providers
and see about how you can reduce this amount and still enjoy the
media that is most important to you.
2. SPEND LESS ON DINING OUT
Let’s face it, dining out is enjoyable and like it or not, you will make all
kinds of exceptions in your head about why you need to eat out. To
combat this, try hitting restaurants that have happy hours and dinner
entrees at half price. Check the coupon sites for restaurant specials.
Forgo the expensive dessert, fancy waters and cocktails. When reading
your menu, don’t ignore prices just because there is no dollar sign in
front of the numbers.
3. SPEND LESS ON MOVIES
Going out to the movies will always be a powerful form of
entertainment. Ticket prices have gone up in some theaters to $11.50
per person. Watch for special days that theaters reduce their prices and
you can sometimes save up to 50% off. If you have Netflix at home,
watching episodes of good television productions has become so
popular that newscasters have coined a new phrase for 2013 – “Binge
Watching.” You may get caught up in this activity for days at a time, but
still you will be saving entertainment money by staying at home.
4. ENJOY NATURE
The outdoors provides plenty of opportunities for enjoyment. Hiking
local trails will keep you away from shopping centers and provide you
with good exercise as well. If you are trapped inside because of bad
weather, try your local indoor gyms.
5. HAVE A YOUTUBE PARTY
Gather your friends together and have everybody contribute their
favorite “funniest YouTube videos.” Television producers aren’t the only
ones that can provide you entertainment.
6. CUT BACK CRUISING EXPENSES
Save money by bringing your own wine on board and by booking spa
treatments ahead of time. Arrange to be a guest speaker on board the
ship to lower costs. Book an inside room instead of a room with an
ocean view. You’ll have plenty of time to have enjoy the ocean.
7. READ MORE
If you are looking for action and adventure, BuzzFeed published reviews
of 16 books they judge as perfect movie scripts. Make your reading
more enjoyable by using a Kindle PaperWhite which holds over 1,000
books and is small enough to easily carry around with you. With free 3g
connections in over 100 countries, no contracts and no monthly fees,
reading has never been more convenient.
8. SAVE 10% OR MORE OF YOUR INCOME
When people tell you to pay yourself first, they mean save part of your
income. Decide on a percentage to save each month and then set up an
automatic transfer to your savings account so that it is done
automatically. This system of automatic transfers makes savings much
9. AVOID BUYING JUST BECAUSE IT’S ON SALE
Everyone uses different criteria for spending, but one common problem
is that people see things on SALE and make purchases just because of
the sale. There isn’t anything wrong with doing that if the purchase is
within your budget. The question that fails to get asked is “Do I Really
Need This Item?”
10. AVOID THINKING “THERE IS ROOM ON MY
Silly as this may sound, some people decide they can afford something
if they have room on their credit card for it. Of all erroneous purchasing
strategies, this is the worst one to make. You should be paying off your
credit card expenses every month. You should also remember that there
is a rule about the amount of credit that is extended to you. Credit
scores are based on the percentage of debt extended to you and the
balance you owe. Best advice is to keep this under a 50% ratio to
maintain good credit scores.
“If you think nobody cares, try missing a couple of car payments.” ~Earl
“Money can’t buy happiness, but it can buy you the kind of misery you
“Money is like a sixth sense – and your can’t make use of the other five
~ William Somerset
Brought to you by ValueChecks.net