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The Top Five Ways To Save Money
By Mark w Paxton
Determining the top five ways to save money first requires determining the ways you typically spend money. This can be easily done with the help of an electronic spreadsheet or budgeting software and should be used for at least one month. Very often this reveals hidden patterns of excess spending that you can turn into an emergency savings fund, the lack of which is a common cause of getting into debt in the first place.
Here are some typical ideas on the top five ways to save money.
1.Phone service savings
One of the major expenses that can be most easily pared down is the money spent on telephone service. There are so many choices in telephone carriers nowadays and so much competition that the consumer can definitely be the financial winner if they choose wisely. The first step to save money is to know precisely how much you are paying to your carrier and what options you are getting.
Take a look at the number of long distance calls you make. If they are few and far between, it may not be wise to continue the monthly long distance fee. You might be better off going to a membership based discount store such as Sam's Club or Cosco and purchasing a low cost card. The other alternative
might be to make your cell your standard phone. Even should you choose to keep your landline phone, long distance calls could be made from your cell phone, especially during free night and weekend hours.
Should you find yourself making many long distance calls, an inexpensive plan that offers unlimited long distance may be the right thing for you. The other option could be to shop for an internet provider that lets you make free long distance calls. You'll have to really comparison shop as there are many
different competing plans.
2.Save big on your food budget
In this day of busy lives, more and more people eat out, especially in fast food restaurants. Thisis much more expensive than making meals at home. More than ever before we buy prepackaged microwavable foods and even fewer do organized grocery shopping. If you hate grocery shopping and so get there
without a list and throw all sorts of extras in the cart, one way to save on food might be to have the food delivered for you.
Safeway, for example, delivers for $9.95 no matter how much you order. Organize a detailed list and have them deliver every other week. You'll save that $5 a week in gas more than likely, and you won't be buying any more than what you absolutely need. If you don't want to have your groceries delivered,
at least make sure you make a grocery list before you get to the store and stick to the list.
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