13 Easy Ways To Save Money
Do you want more money? Of course you do. Almost everyone could use more money. But how do you get it? You can ask for a raise at work, or you can get a second or third job. Or maybe you can go back to school to learn a skill that will make you more marketable. All of these things are will most likely work but they take time. One thing many people overlook in their quest for greater income is working with what they already have.
I know that doesn’t sound like a way to make more money, but the simple fact is that most people are wasteful. They fritter away a lot of the money they make. Have you ever noticed how after a raise at work, you still don’t seem to be doing any better? How could this be? It is because you are spending it.
If you could find away to keep more of the money you already have then you will not only have more money now. But when you do make more money, it will have a much greater impact.
Make a Budget.
Yep I said the B-word. It is surprising to me how many people don’t have a budget. They may say things like, that is not in my budget, but what they really mean is I don’t have enough in the bank for that. I am not going to go into how to make a budget here, but if you don’t know how you can read my article on it.
The reason for making a budget is simple. If you don’t know what you spend your money on, how can you know where you can cut back. Once you have a an accurate accounting of where you are spending your money, you may find that you are spending it on things you don’t really need.
Change your Coffee
A lot of people drink coffee in the morning and throughout the day. And while it doesn’t seem to be a big expenditure at $2.00 a cup it can add up quick. Imagine you drink 2 cups of coffee a day. That amounts to about $20 a week or about $80 per month. If you bought a bag a coffee it should last you about 2 weeks depending on how much you drink. A bag of coffee, depending on you brand will cost you about $8. So that is $16 per month. Let’s say another $8 per month for milk and sugar ( if you like that). If you bring a reusable cup, most places will refill it for $.99 so that is $10 per week or $40 per month.
By drinking you coffee at home in the morning and using the refill option, you would end up spending about $64 a month for your coffee vs $80. $16 a month is not a huge savings But it is equivalent to a reasonably priced meal at restaurant, or about 4-5 gallons of gas for your car. If you usually get lattes or other things that cost more, then your savings will be more.
