Money Saving Tip - Groceries

Today's great money saving tip is....

Groceries:

Just like when you are at the department store when you're in the
grocery store, look for the clearance rack and sales on items that
you really need.

Buy store brands or in bulk whenever you can. The old way of
thinking about store brands has changed as store brands have
become in most instances every bit as good as name brand items
and can save you extra money at check out.

Be sure to make a list before you enter the store and stick with
it rather than buying entirely on impulse. If you don't need
something simply don't put it in your cart.

Harvey Akeson
harvey@harveyakeson.com
http://A1MoneySaver.blogspot.com

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Money Saving Tip - Budget

Today's great money saving tip is....

Budget:

Everyone should create a budget. If you are not sure how or
just not good with money, many businesses such as H&R Block,
offer free financial consulting to help you put a budget together.

Knowing where you are spending your money is by far the best
way to save. In most cases, people have no idea where their
money is really going and once they see it on paper, not only
are they surprised but eager to change their spending habits.

Harvey Akeson

harvey@harveyakeson.com

http://A1MoneySaver.blogspot.com

Extra Tip
You have to keep your money somewhere: A credit union can offer a desirable alternative to a bank.

For many using a bank results in frustration. Bank fees continue to tick up: Overdraft fees, monthly service charges and continually rising interest rates on credit card accounts mean that you pay more for letting the bank keep and use your money. You may want to go somewhere else, but where else is there?

Consider a credit union also known as a cooperative financial institution. Unlike banks, which are founded in order to make a profit, credit unions were originally founded to encourage thrift. They are non-profit organizations designed to help members. (This means that there are membership requirements, such as location, profession or particular financial situation.)
Every location has a credit union nearby, if your banking fees seem high don't wait until the pain is unbearable check into local credit unions now.

Money Saving Tip - Small Expenses

Today's great money saving tip is....

Small Expenses

Did you know that the average cup of coffee to go could easily
cost you twenty times what it would cost you to make it at home?

It is often the small daily expenses that add up and can really
surprise you. For instance, how much do you spend on the
morning or coffee you buy? Is it $2.50 or more? Let’s say you buy
one $2.50 coffee a day, that is $12.50 a week (5 days) and totals
50. 00 a month. That equals $600 a year spent on coffee.

What could you do with that extra money if you saved it, simple
by making your coffee at home?

What other “little pleasures” in your life are eating into your
pocketbook? Everyone has their own expenditures that could
easily be cut back on or even eliminated. Start doing the math and
you can see where you can keep your current lifestyle, cut back
and save quite a bit of money.




Harvey Akeson
harvey@harveyakeson.com
http://A1MoneySaver.blogspot.com

Money Saving Tip - Clearance

Today's great money saving tip is....

Clearance:

When you go into the store always head straight for the clearance
rack first. There you will be able to find amazing bargains on the
items you are looking for before you pay full price. Sometimes
you may have to dig a little to find the right item, but the savings
will be well-worth your time.

Most clearance racks offer variety, current trends, and great
value. Just be careful not to fill your basket with unnecessary
items just because they are a great deal. It could end up costing
you more than you originally planned to spend.

Harvey Akeson
harvey@harveyakeson.com
http://A1MoneySaver.blogspot.com

EXTRA TIP Looking to replace or buying something new, always check for "closeout", "damaged" or "display" items. Usually "one of a kind" items like those would not be found in the store ads. Many would carry the new sales warranty, and perform just as well as the new item.






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