Make a distinction between what you need and want. Get ready to save money:

1) Before buying those pair of shoes. Ask yourself do you really need them?
How many times are you really going to wear them?

2) Before making apurchase over 50.00 wait 5 days. If you still want the item go buy it. Most of them time you will find that you really did not need it.

3) Know where your money goes. You will be surprised to see how much we spend money on eating out, going to the movies. Chart where your money is going.

4)If you get a huge tax refund or a rich Aunt dies, dont spend all the money. It is great to save.

5) Don't use credit cards. If you do use a credit card where you have to pay it off that month.

6) When you go shopping pay with cash. I do this everytime I go on a shopping trip. I normally come back spending less and it is nice to have money left in may wallet.

7) Dont have subscription to magazines. Go to the library and read.

8) Shop around. The internet is a great tool to shop around. I love to use bizrate.

9) Take your lunch to work with you. Only allow yourself to eat out once a month.

10)Clip coupons. If you save 10 a week on groceries. That is 520.00 at the end of the year.

11) If you have kids, you go through the batteries. Buy rechargable batteries and recharge them when the toy dies.

12) Write a letter instead of calling and spending money on long distance.

13) Buy clothing that will last. Cheaper isn't always best

14) Shop around for insurance. Shopping around can save you some money.

15) Think twice before buying a new car. Remember 5 years can be a long time to make payments. Try to save money by buying last year's model.
Also look at demo's.


Keep in mind you can make cuts and if you find you want it back you can put it back in your budget. Dont live beyond your means.

Chaele is a mom of three. She owns http://www.momstateuniversity.com

Article Source: www.ladypens.com