• http://www.giftcardrescue.com Ben Hebert

    Saving 10% can always help but buying in bulk really isn’t the best way to save money on groceries.

    I recommend signing up for multiple discount companies and seek online coupons also for gifts try discount gift cards.

  • http://savingforhome.blogspot.com SavingDiva

    My favorite piece of advice to save money is to cook in bulk. I make dinner for the rest of the week on Sundays. It saves a lot of time and I don’t spend a lot of money on ingredients for a lot of different recipes.

  • http://www.twitter.com/ChrissysKorner Chrissy

    Such great tips and comments. Since reading a book called, Financial Purity, by Jessica V. Psalidas, I’ve learned to use cash more, and by watching that show ’til debt do us part’ we use labelled jars and work with cash.
    Obviously you will have your monthly/weekly bills that come directly out, but working with cash beyond that part you actually wouldn’t believe how much you save.
    It’s all about saving those dollar bills!!

  • sheila

    When online, don’t forget to check out discount shopping sites that offer not only coupon codes but also cash back rewards and free shipping. Some dependable sites like http://www.savingswatch.com also offer registration credits (sign up, get $5). There is a search tool for listing offers on specific products among multiple retailers so you’re bound to save more than usual. I save a lot of time by having it all on one site, from home appliances to vacation packages and groceries or flowers. Believe me, it’s so convenient.

  • Rick

    Sam’s and Costco CAN be your friends, but you still need to be a smart shopper. Everything they sell is not always the best price. Kleenx and TP is always cheaper on sale somewhere else. Also, bulk food purchases may not be less expenisive if you end up throwing some of it away.

  • Richard

    An easy way to save on fees and earn more money is to join a non-profit member owned credit union, and ditch your for profit bank. Most CU’s pay higher yields, charge lower loan rates and have fewer if any fees. I earn 3% APR on my checking account which is higher than any of the CD rates listed at area banks. Have you heard about any credit union failures in the news????

  • http://www.discountshoppingcode.com/ Discount Shopping Code

    I like tip number 14. Coupons have always worked for me. Thanks for the great article.

  • gay patel

    yo yo i <3 these financial stuff. dont laff at the name

  • CP

    These tips are really great. I am a single parent of 2, who will be purchasing a home in the coming months, and I really need to tighten my budget. I would like to work on bulking up my emergency fund, once I am in my new home. I am a diehard coupon user, and a take-your-lunch to work person.

    Great site; keep the great money-saving tips coming…

  • Balint

    I like all these tips above – but I’m missing one I very often apply: hold only a very little amount of cash in your wallett and leave your plastic home..so you can spend more than planned only if you go right into the bank – as doing this is very uncomfortable and requires patience and time, you’ll do it only in real emergency.

  • Anne

    Everything is useful. I love quitting a vice and use H2O. Hope you can help me figure out one item “attack the closet’, it’s been a long time i had this problem. Can you tell me how many clothes should i maintain using for a period of time (like in 6 months or in a year) so i can get rid of excess clothes. Thanks for the article.

    • Calico38863

      I have always been told that if I have an item that has not been used regularly then either toss it, donate it, sell it in a yard sale or throw it away.
      If you have summer clothes you did not wear at all last year, then get rid of it. The same goes for winter clothes, if it wasn’t used last winter then get rid of it. If you can go one whole season and not use that item then it isn’t something you adore and can’t live without.
      The same rule goes for shoes, purses, coats, gloves, etc.
      Good luck on your cleaning.

  • http://www.funny-song-parodies.com funny song parodies free really

    All of these are great tips on saving money. I have just now started saving myself. I have been starting a little at a time. First with $25 and then everytime i get paid i add to it. It’s surprising how fast it adds up. The more you see it increase the more you want to see it get bigger.It’s all very motivational.

    It makes you realize too that you can save and it isn’t as impossible as you may have originally thought.

  • christine

    i really like the saving tip of growing ur own veggies. it really works wonders. Guys you really save!!!

  • christine

    love your left overs once again. You know once you preserve it well, it can be of great use. Imagine you can use it as ameal another time! It works!

  • Sharon

    Also reconsider canning, especially if your going to garden. Create a weekly grocery shopping list based on sale ciculars that week and what’s fresh and in season. If you also buy in bulk when items are on sale and use the coupons at the same time your saving again.

  • joy

    I’ve recently revived a way to minimize spending on eating out – to pay your bills online. In reality, this is only an added bonus because the main point is you aren’t queuing up anymore. I discovered this when I was placed on bed rest during my 2nd pregnancy and my husband was working in another country. Now, it saves us not only gas and time but also money eating out.

  • Sarah

    One way I have saved money is ditching the ATM and debit cards. Of course they are convenient, but that was the problem. Money was readily available. So i cut them up. I pay my bills online and carry very little cash on me. If I need money I go to the bank. If it is closed then it will have to wait, and usually by the time it opens I have changed my mind anyways.

  • http://quizzle cliff

    Pay your bills online. Its free and you save money on stamps.

  • http://MSN Cynthia Steffy

    I just switched from a bank back to a credit union that I was a previous member over 25 years ago. It took a lot of time getting my payroll and accounts switched over. However I feel it was worth it because now I am getting 3.5% interest on my money in my checking account. Also I am angry at all these big banks taking tax payer bail out money and still paying themselves big bonuses. What a way to pay that back by having everyone switch to a credit union. I agree 100% with Richard, when was the last time you heard of a credit union failing? They are non profit and work for their members.

  • http://none Mac

    What works for me is knowing the difference between my own money and someone else’s money. I try and avoid Credit Cards and Personal and Auto Loans and save a lot on interest. I completely agree with buying a used or a almost new car compared to a new car. Saves a lot on depreciation.

  • Candace Carson

    My best advice which I did not see is to grow your own food. It is not difficult. I am lucky to have a large growing space. We grow tomatoes, sugar snap peas, snow peas, lettuce, spinach, carrots, squash etc. etc. There are so many varities of plants that can be grown in containers for those that have little space to grow. And also you can dry your food, purchase it fresh in season and preserve it for the winter. And then there is the oldest way, learn and start canning. You will not believe the money you will save. And fresh home canned food is so much bettter than what you will get out of a can. It may take some time and effort but the reward is beyond imagination.

  • http://www.thebarrelsource.com oak barrels

    I know in this recessionary period we must be save,save,save. And cut your credit cards, only debit cards should be used. The interest will kill you.
    Cheers,
    Richard A. Weisberg

  • Larry

    Costco and other clubs are not a good deal for most people. Costco makes more than half its money selling memberships, very few people make up the cost of membership in savings.

  • Cheryl

    Houses are energy hogs. Insulate, especially the attic and plant trees, shrubs or vines on the south and west sides to shade the home in the summer. Evergreens on the north and west sides to provide a windbreak in the winter in the northern climates. Many states and communities don’t have energy building codes and as a result, we’re paying more for energy use than we should. There are tax credits for energy efficiency improvements through 2010; see http://www.doe.gov

  • Kristina

    This is gonna sound funny, but it’s a big help. Save your coin change and $1 bills. Put them away for something you really want. When you go to the store and spend $20′s you feel guilty, but $1′s that you’ve saved over time isn’t so bad. And the coins you saved can be used for the over time home improvements, like new flooring.

  • http://yahoo Gregg

    Well when u have to shop or want to buy bigger items ive same alot with qvc, amazon.overstock.com hsn with alot of these u can make 4 payments on things that u have to replace such as vacums and such.Ive save alot with these sites

  • al

    If you want to save more money in the home, here’s what we did:
    1. Put a brick in the toilet tank, so that when you flush, you don’t use as much water, and we don’t flush every single time.
    2. Installed a programmable thermostat, set it to 65 during the day instead of 68, and 62 when we are sleeping, and we have saved about $240/yr.
    3. Changed all the bulbs in the house to energy saving bulbs, and we save about 100/yr.
    4. Get groceries at discount stores (aldi’s/ Save a Lot), rather than the big name places, and you can get about 40% more groceries for the same price.

  • al

    We save our change throughout the year, and that is what we buy x-mas presents with. Even our 7 and 2 yr old throw money in there to help out.

  • Pam

    For a special family treat purchase a bucket of ice cream and cones. You can have many snacks as compared to one trip to an ice cream shop.

  • Melanie

    Great tips! I’d like to add, re-evaluate your list of expenses. Know the difference between wants and needs. I for instance, nixed my gym membership of $45/month b/c truthfully I haven’t been to the gym in over 6 months (at least) though I really, really want to go. Also, I saved by swiching my cell phone carrier to prepaid after reviewing my bills and found that I use about 100 or so min. per month so I’m better off with pay as you go service – I now have Net10 and my cell phone bill is an affordable $15/month (as oppose to $50). Oh and I also got my “international” part of the family to use Skype :) I’m off to a very good start this year :)

  • Gary

    I absolutely agree with #1. Best way to ensure you’re taken care of. Also I’ve noticed that many people do this last so it’s definately not the easiest to follow as oddly as that may sound. gluck!

  • Dee

    Every time you go to a store those bags add up. Stop bring your own even if it is the ones from the last time you shopped, or bring your own canvas bag/mini cart to bring items home. Or just ask to have some of boxes to use instead of them breaking them down.
    I love the idea of reusing everything-pass it on before you decide to landfill it.

  • Alice

    As a single mother of four, I’ve had to find creative ways to cut backthat don’t involve a lot of extra time or work. Here are some of my favorites: I make my own detergent (one bar finely grated Fels-Naptha soap, one cup soda ash, and one cup borax; use 1/4 or 1/3 cup per load); I buy a lot of my groceries from a couple of salvage stores snd get AMAZING deals on delicious food; I buy vitamins, supplements, and some toileties from Vitacost.com or Swanson.com,;I go to a couple of annual community garage sales in parts of town where I can’t afford to live and get better clothes used than I can afford to buy new for little to nothing; and (my favorite!) I buy restaurant coupons for 70% off (really–SEVENTY PERCENT OFF!) at Restaurant.com. I hope this helps! Many blessings in the Lord Jesus!!!

  • bikesnskis

    Lots of great ideas to pick from. To follow up on the used books suggestion…frequent and get to know the guys at your local used book store. Typically half of the cover price, not to mention you can trade in books for (usually) a credit of 25%. Then, if I am buying presents for friends on the other side of the country, I go to Amazon Marketplace where you can sometimes find books for as little as a penny (shipping is less than $5 usually), that way they are doing the work for you! :)

  • Kera

    This is a great article, had a lot of helpful tips in it. I am so syked at the fact that some much information is accessible to all of us. Even some of things that our parents might have left out!

  • The Best Money Blog

    One of my favorites is the slush fund, although you have to be very disciplined to save 100% of it.

  • Elaine

    These are great tips! What Melanie mentioned is very important too — differentiate your wants and needs. With all the new gadgets coming out, it’s so tempting to buy the latest models! But it’s best to ask yourself, “Do I REALLY REALLY need this right now?” Most likely, in a few months, the item will be cheaper. Also, with everything on the net now, I actually no longer need to watch TV anymore, so that’s something big I’ve saved on. =)

  • Jennifer

    To encourage my teenage son to understand the value of the dollar, I put him in charge of couponing. Whatever he clips and saves on our grocery bill, he earns. The money goes into a “sharebuilder” account at INGdirect.com for him. As the account grows, he can buy individual stocks and learn how the stockmarket works on a small scale (or large scale later). Savings and investing all-in-one!

  • Proud Mom

    American Eagle is my son’s favorite store, and they have a program where he earns points each time he makes a purchase. Quarterly the store issues %-off coupons based on his purchases – he waits for the online sales and gets the additional percentage off the sale prices (keep an eye out for the sales as the seasons change to get the best selection/sizes). All his friends say they’re jealous because he’s rich – he just smiles and is proud to tell them how they can be too if they’d just stop paying full retail!

  • Michele

    I have built a slush fund over the years by simply rounding up to the nearest dollar when entering items my checkbook. I simply “save my change” in that account. I have about $800 saved for emergencies. I occasionally shift some of that money to my savings account @ INGdirect.com

  • alex

    What’s #32. I did not get it.

  • Jennifer

    to Alex: re: #32: Some people pay their escrow money (for property taxes and/or insurance) to their bank – it’s included with the monthly mortgage payment. Then the bank pays those bills on your behalf. If your bank doesn’t require you to do that, you can take that money and instead pay it into your own savings account until those bills are actually due – that way you’ll earn a little interest on your money throughout the year. You would then pay the those bills yourself when they come due.

  • JeffB

    Ben,

    Your best bet when ‘buying in bulk’ is to go in with a friend or two for things like huge packages of toilet paper, paper towels, vegetables and anything else that one might find in the common household and then splitting the bill by the number of participants. I do this with all of my family members and we save a huge amount of money. Best of all, if I don’t save at least the cost of my Costco membership, they mail me a check for whatever amount it cost me above my savings for that year. So if, in total, I paid $50 for my membership during the year but I only saved $35, Costco, at the end of the year cuts me a check for the additional $15 that I didn’t save by shopping at Costco. It works out to be a great deal for everyone, provided they can all agree on which products they like best or are willing to use.

  • http://kindcoupons.org/ Jennifer Miller

    I like to read articles about money saving tips. These post is very useful and I will share it to my friends.

  • http://Quizzle Cherry

    My hubby & I are both now disability retired, with a few medical expenses, and we have to have a maid come once every 2 wks for the housecleaning, and a handyman for the yard & misc repairs around the house….That runs around $300 a month, sometimes a little more depending on the weather, etc, out of our pensions, but don’t know any other way to cut that expense down??? We pretty much do the rest of the things already submitted by others….any ideas???

  • http://www.wantacode.com/ coupon code

    Really thanks from my heart for the great saving tips.