Trim your gas costs and get refunds on clothes with these simple steps.
The financial crisis is getting you down? Here’s how to keep your bank account numbers you!
1. Shave a few cents extra gas costs to find the best air travel deals in your area. For example, you will see that the Chevron on Olympic Boulevard, Los Angeles is selling gas for 22 cents less than in a Mobil station a few blocks from the road.
2. Nix brands and start buying toiletries and cleaning products in bulk generic. Better yet, make shopping trips with friends at Costco so you can all split the package of toilet paper in bulk.
3. Join your local library. You might be shocked to see his collection of DVDs is provided and updated (not to mention completely free). If you normally rent a movie a week from the video store or Netflix, you can save more than $ 200 in one year!
4. Unplug your appliances like coffee makers, toaster, hair dryer, and cords computer when you leave the house. According Energystar.gov, it costs you $ 100 per year to power devices in standby mode (especially those with features like clock displays). When you go on vacation, it’s a good idea (for both your wallet and the environment) to disconnect large energy users such as entertainment centers.
5. Cliché as it may seem, spend your morning Starbucks latte. You’ll save about 190 calories and $ 3 per day. You can always make your coffee house feel special by adding a pinch of cinnamon or nutmeg.
6. Get cash back on purchases of clothing. It sucks when you buy a piece of clothing full price, then see it on sale a week later. Hold on to your receipts, because larger chains like Gap, Banana Republic and Old Navy will reimburse the difference on issues that will be sold as long as you have a receipt within 14 days of original purchase.
7. Need new furniture? Before going to Ikea, check Freecycle.org, a site where users list things they no longer want. Or try your local Craigslist.com advertisements for the sale in motion (often people are in a pinch and sell items for “best offer” just to get rid of them).
8. Work out for free. Refer to yoga studios based on the gift of your area so you can pay what you can (instead of a normal $ 12 – $ 20 per class). Similarly, many yoga, dance, and Pilates studios offer incentives to new students as two weeks of classes for only $ 20. Can not afford a personal trainer? Check iTrain.com, where you can download personalized workouts for your iPod for only $ 7.99 per session. Other inexpensive options: Go for a hike in the fall foliage, jog outdoors, or organize a football match touch with friends (a good excuse to get them to invite single guys!).
9. Think of your cash. Always know exactly how much money you have on you. It will avoid spending stupid (and the shock when you realize you’re out). Also, plan your day so that you withdraw the money you need from your bank at home, avoid ATM fees.
10. Make your Christmas shopping on the cheap by hunting down cool stuff to savings and vintage shops where you can find comfort items for less than 20 dollars. Think music boxes, costume jewelry originals, old postcards to coach, or collection plates.
11. Bring home the party. Ask your friends to come with a bottle of wine for a night game on Saturday. Provide a simple, homemade desserts such as cookies or cake will not cost more than a few dollars if you already have the basic ingredients on hand. If you must leave, then arrange a meeting in a bar with a happy hour special. Make the occasion more festive by creating a Facebook invite with a different theme such as “International Talk like a Pirate Day!” Another tip: check Myopenbar.com, a site that lists events in bars with alcohol free in several cities, including New York, Miami and Chicago.
12. Do more research. It could be really painful to look at the distribution of your expenses, but it’s the best way to reduce costs. Check the book by David Bach, Smart women finish rich, hence saving strategies in a completely understandable. Reading is another great woman of Suze Orman and Money: Owning the power to control your destiny.