Money Saving Tip - Consume Less

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

Consume Less:

Let's face it...we live in a consumer society where waste is a huge
problem. If we could all use and consume less there would be less
waste, less power consumption, and the benefits for all of us
would be, we would save money!

There are so many simple things that you can do during the day to
consume less and save money. For instance; consider using less
shampoo when you wash your hair, this may not mean washing
your hair less effectively it means not flushing the excess shampoo
and money down the drain.

When it's chilly out side turn the thermostat down and put on
extra clothes. Turn off lights, the TV and the computer when they
aren't in use.

Each little thing you do will add up and enable you to save more
money and be good for our planet and the other people on it.

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

EXTRA TIP Get to Know State and Local Parks, Recreational areas in your area. Instead of spending money on "Entertainment", movies, shows, concerts and theme parks take up free pursuits. In addition some health benefits being available try finding some trails for hiking, beachcombing, camping, or low cost hobbies. While you are at it visit your local library get familar with what is available there. One time in the course of my answering questions I suggested to one of my clients she get on the computer to search for some information. This older lady said she didn't have a computer. I asked her about going to a local library for a computer to use. She said, "I never thought about it, but I have a library just around the corner from my house". I told her I bet there will be someone around that would be happy to help her get acquainted with the computer and even find something on the computer for her.

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all on fees for investing. Here is a really Low Cost Monthly
investment program, that allows you to invest in small amounts on a regular basis and reinvests the earnings for you automatically.



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Money Saving Tip - Credit Cards

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

Credit Cards:

When it comes to using your credit cards it's important to be wise
and frugal. Although they are very convenient, credit cards are
dangerous and damaging when used unwisely. Try to use them
only when you absolutely have to.

Did you know that if you have a credit card that has a $1,000
balance and you pay only the minimum payment each month, it will
take you between 20 and 30 years to pay off that $1,000 balance,
because the majority of money is going strictly toward the
interest and not the principal amount?

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

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Money Saving Tip - Landscaping

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

Landscaping:

If you are planning on doing some landscaping or just creating a
nice flower garden area, shopping for plants, can be expensive
even when they are on sale. Before you go out and start
spending, look around your yard to see if you have existing plants
that can be split or that you can get starts from.

Additionally, if you have a good relationship with any of your
neighbors, you might ask them if they have any plants you could
use as a starter. Perhaps you could work out a trade, so that both
of you will have more to plant without spending any extra money.

Another great idea is the next time you plan to purchase a
lawnmower, look for one that mulches leaves. This way, rather
than spending a small fortune on prepackaged mulch for your
flowerbeds every year, you can simply use the mulch you make.

Harvey Akeson

harvey@harveyakeson.com

http://A1MoneySaver.blogspot.com

Money Saving Tip - Insurance

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

Insurance:

You have to have it for your home, car, boat, motorcycle and even
for your life. Its insurance, and it can be very expensive.

The next time you need insurance don't be afraid to shop
around and negotiate. Some people think the price of
insurance is the same from one company to the next. However,
prices can vary dramatically and to ensure you get the best
deal, you need to consider all your options.

Use the Internet or call, it doesn't matter how you do it just make
sure that you get quotes from different insurance companies
before you make your final decision. If you have questions, or
you're having trouble find a good agent. They can
provide information on discounts such as good student,
multi-car discount, etc

Harvey Akeson

harvey@harveyakeson.com

http://A1MoneySaver.blogspot.com

Money Saving Tip - Keep Track

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

Keep Track:

It is important to have an understanding of where your money
goes. Keep a journal where you can see your successes when it
comes to saving money. This can be a bit challenging and takes
time to learn, but it's worth it. By keeping a list of the ways you
have saved money in front of you, you will be more encouraged to
keep going. These successes can be small or large.

For example, if you normally buy your lunch, costing you from
$5.00 to $7.00 per day and one week straight you packed your
own lunch for $3.00 per day that is a success. If you wanted to
buy a new pair of shoes, but held off until it went on sale, saving
50%, that is another success.

Saving money requires some investigative skills, desire,
determination, and creativity. Once you get in the habit of saving
money, you will feel better about yourself and enjoy life much
more without debt hanging over your head!

Harvey Akeson

harvey@harveyakeson.com

http://A1MoneySaver.blogspot.com

EXTRA TIP Almost everyone over 60 looks for senior fares and rates, at the same time The National Park Service
offers some outstanding programs for folks.
First off the Golden Age Passports for those 62 years and older offers permanent benefits to the holders. The entrance to any National Park should have the current details on cost and benefits. Another lesser known pass is the Golden Access Passport for Blind or Permanently disabled persons.
Little time on your hands, wanting to enjoy a month or more vacation at little or no cost? The National Park Service Volunteer-In-Park Program would be well worth looking into. Think about Volunteer Programs for your special interests, talents and spare time.

Money Saving Tip - Be Flexible

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

Be Flexible:

You've worked hard, set your goals for saving and you are sticking
to it, that's great! But you must realize that things can and will
change and you must be ready for that. The secret is learning
ways to be flexible.

Let's say you normally save $150 a month, when something
unexpected happens and you have to dip into the money that you
would normally save. It's important not to get discouraged when
this happens.

Do your best to put away at least a little bit of the money you
were planning to save away even if it's only $50, $25 or as
little as $5 that month. This will keep you in the habit of saving
and then you can focus on getting back on track next month.

Harvey Akeson





harvey@harveyakeson.com

http://A1MoneySaver.blogspot.com

EXTRA TIP Sell Stuff you don't need. Lots of folks are
selling surplus, unused items on E-Bay or Craig's List.
GOT TALENT? Market your skills, got a background in math,
music, or languages, try tutoring. Try Dog Walking, Baby Sitting
or take on some Landscaping. Save Money and be able to
put aside a little extra picking up odd jobs.

Money Saving Tip - Trimming

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

Trimming:

Keep track of your spending for a couple of months and then take
a good, hard look at your spending habits. You'll probably be
surprised when you look back at your records to find you've spent
$300 on pizza or $100 on ice cream. At first glance you will be
likely see some obvious cuts that you can make.

Depending on how much extra you want to save, however, you
may need to make some difficult decisions. Think about your
priorities, and make cuts you can live with. Calculate how much
those cuts will save you per year, and you'll be much more
motivated to skip that ice cream and pizza.

Harvey Akeson

harvey@harveyakeson.com

http://A1MoneySaver.blogspot.com