How to save money?

[Eric80]

i only use my credit card on big-ish purchases where i either got the money anyway or nearly have it and can just pay it asap. its best to use when going on holiday as it gives insruance on it

[kenyantykoon]

you know, we can give you all the pointers in the world but if you do not have the discipline to follow even one of them then you wont get anywhere. The important thing is a good mental attitude and perseverance and determination to save cash.If you have this then, the points here all come alive

[ChChutley]

Once you decide how much to save, set up an automatic transfer to a savings account with each paycheck.

Totally agree this is a great way to save

[advice2u]

Stop Spending

Get rid of any credit cards you can do without. Plan only to use cash or cheques.
Consolidate your debt (replace 2 or more loans with one if possible).
Shop around for cheaper car insurance.
Shop around (and online) for better deals.
Eat at home.
Plan your spending - Make sure your monthly bills are covered before you spend on anything else.If necessary open a separate bank account for household bills and transfer the neccessary funds to this account each month.

[GREENBACK]

Big saver this time of year if you're in a warm climate is turn down/off the A/C. I wear comfortable shorts and a sleeveless shirt or tanktop most of the time in the Summer. I rarely lower the A/C below 78 and am very comfortable. If you get hot, wet a washrag down and wipe off. Very refreshing.

[Stuartthomas]

reply

The solution is obvious, stop using your credit cards. This may seem like a silly thing to suggest, but the best way to get a handle on your spending is to only spend the cash you have - after you've paid your bills.

[fruitbowlk]

Sign up for as many Customer Loyalty programs as possible.

[TheStreetCeo]

Use coupons, and if you don't already get the Sunday paper to get the manufacturers coupons so you can double up. Most manufacturers coupons have an expiration date of 6 months or more so you can keep them until the item goes on sale at your local super market.

[zhuwh]

You can save a lot of money by eating at home , and not buy the expensive clothes ,pearls and jewels . i think this is a good way of saving the money.

[TheStreetCeo]

Spend less than you make.

Yours truly,
Captain Obvious

Diddo

[Alena]

I think about who made the money. Usually, people who didn't earn the money, the hard way, don't save their money. Because it came to them easy. However, those people who work hard are more likely to save their hard earned money.

[midman]

Lots of awesome suggestions on here, just reading through all of your responses is quite inspiring. Looking forward to spending more time here and hopefully having some of this discipline rub off on me and I can pass it on to my wife!

[TraderSmits69]

Pay yourself first with automatic deductions from your paycheck if your employer offers it. If you don't receive it you generally don't miss it. As you earn more keep increasing the amount you save.

[Joi]

Shop at Dollar Tree. It will change your perspective on how much things should really cost. Love that store. You can buy tons of stuff there like gift cards, spices and cleaning supplies for a dollar or less, and we all know how much that stuff can run you at the grocery store.

[frank20]

The simplest way that I have found is to decrease the amount of money I spend as much
as possible and then increase the amount that I earn