Daddy Planet knows these are some tough times out here with the recession, families losing jobs, and slow growth. So we have come up with some ideas in which we all can save money. 1. We all hate having to find, clip, and carry coupons to the grocery store, but you know what, it saves us money! Find those weekly Sunday coupons in the paper and cut them out, look for coupons online, there are tons of coupon sites all over the internet, and they have some huge savings. You will be shocked by how much you can save on grocery items, appliances, every day needs, etc.
2.When going to work, make your lunch, put it in a brown bag or sack and take it to work. Saves you time and money, instead of having to go buy a fast food lunch somewhere.
3. Outline a budget for your household. Use an excel spreadsheet or even paper to manage your money, bills, and spending. Don't forget to budget for emergencies, whether it be school costs for your kids, a damaged car, or a house issue.
4. Take advantage of all of your credit card rewards programs. Look at each credit card that you have and make sure you are enrolled in the cash back rewards program. Some programs are up to 5% cash back, which will allow you retrieve gift cards or cash back to pay your monthly bill. It saves money.
5. If you have a house or apartment that is spacious and you are struggling to pay that monthly rent or mortgage, run an ad or ask a friend to share the extra space for half of the monthly cost.
6. Instead of using credit cards for every day purchases, switch to cash. You will be more likely to watch the spending when using cash and the interest rate meter will not be running.
7. Cook your meals at home. Eating out is expensive. Try cutting back to only one day a week eating out at a restaurant. You will be amazed by how much this saves.
8. If you use a cell phone and a home phone, cut the home phone out. Just use your cell phone, the rates are better today than ever and tons of minutes.
9. Look for items at garages sales, flea markets, craigslist, ebay, and all places that will save you money.
10. Have a big home project coming up? Can you do it yourself? If you can, then do it yourself, you will save a lot of money in comparison to hiring someone for the project.
11. Save those nickels, dimes, quarters, and even those pennies! Cash them in monthly. It all adds up.
12. Don't forget about carpooling, it will save you money.
13. Lastly, keep in mind when buying things if you really need them, I use the motto, if it collects dust don't but it. And if you have things that collect dust, sell them.
Daddy Planet would love to have your feedback and any other money saving ideas!
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