Thats for all.

First you must have amoney to begin to save it.
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It is agreat probles for us.
I will help you to save your money.

How Much Money Do You Have In Your Savings Right Now?

Do you have money saved for an emergency? If you lost your job tomorrow, do you have enough money saved to survive until you found another one? Are you living paycheck to paycheck and struggling to make ends meet? Are your bills past due because you just don't seem to have enough money to cover everything?
Are you worried about losing your home to foreclosure or losing your car?
Well, You're Not Alone.
There are thousands of people in your same situation. Everyday I hear about more and more people filing for bankruptcy, losing their homes or losing their jobs. In today's economy, it's hard to keep up on your bills, let alone save any money. Jobs are hard to find and money is tight.
I was once in your same situation. I had bills mounting up that I couldn't pay. I had to choose between getting my car fixed and buying groceries. I had bill collectors calling me from early morning until late at night. I didn't have a dime to my name and I was living paycheck to paycheck. Every day was a struggle. I had to keep a smile on my face in front of my co-workers and friends, even though I felt like crying. I worried about how I was going to pay my rent and I was embarrassed to borrow money from my family in order to make it through. I thought to myself, "There has to be an easier way". I could not keep living this way. I had to find a way to get back on my feet again.
I started searching for information on how to get out of debt. I began reading books and articles and talking with people about saving money and eliminating debt. The more I learned, the better I felt about my future.
I started applying the information that I had learned. Some ideas worked for me and others didn't. I picked the best ideas and put them to work. I began to see my expenses dropping. I was getting caught up on my bills and I was able to start saving money. Today, other than my house payment, I am now debt free and I have money in the bank. I now help others get out of debt

I just want to help you to stop your money leak so:

Ways To Stop The Money Leak:
Introduction:
People are always trying to save money, especially with today’s
economy. No matter what your reason for saving, through this ebook,
you will discover ways never considered.
The price of everything has gone up, requiring people to be more
conscientious about money. The problem is that by the time the
mortgage, car, utilities, and credit cards are paid, there is little money
to put aside. Saving money is not that hard, just a matter of learning
all the different options and being creative.
In addition to the obvious of putting money into a retirement fund or
savings account, there are hundreds of ways to save money. Although
some ways of saving may not seem like much, once you add them up
at the end of the year, you will see how substantial the savings really
are.
Keep in mind that saving is more than a single lump sum of money put
aside. Saving is something found in your everyday life by the way you
live and the choices you make.
Rome was not built in a day and neither will your bank account be.
Each penny saved is one more penny than before. If you have the
ability to save big, that is great. However, most people are not in that
position, which is why this e-book will show you how little savings can
add up quickly.
Be encouraged that it is never too late to start saving, regardless of
your age. Set your mind that now is the time to start building your
future.
Imagine you have a huge water pot. Each morning you fill that water
pot to the brim with lovely refreshing clean water HOWEVER you don't
realize that the water pot has numerous leaks in it.
What happens?
Of course... During the day that water pot slowly runs empty because
of all of the leaks. You come home from work dying of thirst and you
go to your precious water pot and it's dry.
Sadly this is what we do with our money too... Unless we find ways to
save it our financial life resembles very much that of the water pot.
Unless we plug the leaks there will come a day when we need to buy
something but the money pot will be dry.
It all starts with plugging the biggest leaks first...
Plug just one big leak and that will keep the water and money pot
fuller for longer. Manage to plug a few other leaks and your money pot
will not be empty when you need it most.

Holiday Gift Giving

This tip is especially helpful for large families. Although it is fun
buying for and receiving from everyone, it can be very expensive.
Make an agreement with your family that you will continue to buy
for the children but that the adults will go with a name exchange.
This way the children are not disappointed and you can spend a
little more on one or two people rather than spreading your
money thin. For the members that you did not pick to exchange
with, bake a loaf of their favorite homemade bread or cookies.
Here’s another way to give gifts to everyone for less then
$1.00 each…
Do you own a computer?
If so the chances are you will have all the equipment you need to
implement the following money saving gift strategy.
You will need to already own a computer, scanner or digital
camera and CD burner.
The idea is to take photos… either with your digital camera or scan
in photo’s from your existing album of your family.
Create a slide show and burn both the individual photos and slide
show onto the CD. This will cost you less then $1.00 for each CD
and your family members will love it.
By having the individual photos on the CD your family members
can print out there own images afterwards.
This is especially great if you have photos of major family events
throughout the year such as reunions, gatherings and birthdays.
You could also create calendars and even video shows with the
same content and burn them on the CD as well.

Clearance

Always head straight for the clearance rack where you can find
amazing bargains. 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. For
example, Bed, Bath & Beyond has a clearance section where you
can find all kinds of wonderful household items for a fraction of
the original cost.
Another great way to save money is to shop on the Internet.
There are big savings to be had from online auctions especially
eBay
Be careful to take into account the cost of shipping before buying
a product this way.
Other huge savings can be made from online stores because in
most cases you are purchasing direct from the wholesaler. Here is
a list of just a few items you can save money on…
Top Selling Footwear
Hobbys and Toys
Contact Lenses
Accomodation
Telecommunications
Baby and Nursery Items
Dental Coverage with Huge Savings!
Oriental and Persian Area Rugs
Treadmills
Womens Clothing

Thrift / Surplus Stores

Unfortunately, thrift and surplus stores have been given a bad
rap. Many of these stores are filled with hundreds of top quality
items.
Name brand merchandise is easy to find but just like clearance
racks, it takes some time to find. Find a thrift or surplus store
close to where you live and then plan spending some time to find
those outstanding bargains.
One woman in Kansas City, Missouri located such a store about
20 minutes from her home. After shopping through every isle
over the period of two hours, she walked out of the store with
eight huge garbage bags filled to the brim with designer clothes
for her and her children, many with the original tags still attached.
She even found a couple of Liz Claiborne suits for herself at $5.99
each and a Dooney & Burke purse normally valued at $225 for
$19.95. Her children had an entire season of school clothes and
best of all, she paid less than $200.
Do you know you can make money from
this as well?
I know one family who find brand name
clothes at these stores and then sell them on
eBay. It’s amazing… they are consistently
making about $300 profit every week
working part-time at this.
It certainly helps pay the bills.

Wrapping Paper and Bows

Create your own wrapping paper, which is not only unique, but
also fun. Use plain brown grocery bags and craft-like paints to
make your design.
After wrapping the gift, let your creative juices flow. For example,
using black and yellow craft paint, create a miniature road. Then
dipping toy truck tires into red paint roll them along the paper
making tire tracks.
You can then draw free hand a stop sign, yield sign, or stop light.
Next, using a hot glue gun, glue a couple of the miniature trucks
to the paper. This is perfect for a young boy. He will be just as
thrilled with the wrapping as the actual gift.
For a girl, you can simply create miniature bows from existing
fabric or lace and glue them on brown paper then free hand draw
colorful flowers. Just use your creativity and look around for
items you already have on hand to use.

Reuse

When you shop, look for items that can be reused. Rechargeable
batteries are a perfect example.
Even though the initial purchase may be more than nonrechargeable
batteries, there is a definite saving over a long
period.
Another way to save lots of money on batteries is to buy them
online
When you shop, look for items that can be reused. Rechargeable
batteries are a perfect example.
Even though the initial purchase may be more than nonrechargeable
batteries, there is a definite saving over a long
period.
Another option would be to purchase a nice artificial Christmas
tree. Many of the current artificial trees look amazingly real and
with the right lights and ornaments, you can change the look from
year to year.
We actually purchased one of these trees this year and the kids
absolutely loved it and now we can use it every year without any
further expense..
Another option would be to purchase a nice artificial Christmas
tree. Many of the current artificial trees look amazingly real and
with the right lights and ornaments, you can change the look from
year to year.
We actually purchased one of these trees this year and the kids
absolutely loved it and now we can use it every year without any
further expense.

Landscaping

If you are considering creating a nice flower garden area,
shopping for plants even on sale, can be expensive.
Before you go out and start spending, look around to see if you
have other plants that can be split from your existing flowers.
Also compare prices before you go. Check out this Outdoor Decor
online shopping center to get an idea of what the prices should be
before you venture out.
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.
Another great idea is the next time you are in the market to buy a
lawnmower, purchase one that mulches leaves. This way, rather
than buy mulch for your flowerbeds every year, you can simply
use the mulch you make.

Insurance

Shop around for insurance and work with a good agent that can
provide information on discounts such as good student, multi-car
discount, etc.
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.
A good place to find savings on insurance is
http://www.affordable-insurance-cover.com
This is not to be ignored.
You can save enough from your insurance costs to pay for a
decent end of year holiday.

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 also eager to change their spending habits.
If you are wondering where to start go to Google and search for
budgeting tips and you will find plenty of free advice including
spread sheets.
Another great place is to try your banks web site and go to the
loan application area and they should have some free budget
sheets as well.

Dollar Stores

Many years ago, dollar stores offered only off brand products or
poorly made merchandise. However, that has completely
changed.
Now you can walk into a dollar store and find the same name
brand laundry soap, cleaning supplies, clothing, school supplies,
everything for a fraction of the cost.
Where a store name brand bottle of laundry detergent might cost
$6.50 at a grocery store, you can find the identical product and
size at the dollar store for $2.50.
Check out your local dollar store and enjoy the mountains of
savings.

credits&creditors

Credit Cards:
Use credit cards only for emergency.
Although convenient, credit cards are dangerous and damaging.
In addition, 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 since
the majority of money is going strictly toward the interest and not
the principal amount.
Sadly the incorrect use of credit cards is the major cause of
bankruptcy.
Credit Card Interest:
If you have credit cards and your credit is in good standing, call
your credit card company, and ask for your interest rate to be
lowered. It is truly that simple. Unfortunately, most people do
not even realize this is an option so they never make the call.
Just tell the representative that you want a better rate on your
credit card and they will take care of your request.

Unsecured Creditors:
Make a list of all your unsecured debts along with creditor contact
information and payoff amount so you can have an accurate
record of how much you owe. Choose one creditor, possibly a
credit card, and focus on paying off that bill. Once you have
achieved that goal, choose another. Start with the debt that has
the highest interest rate since it is the one costing you the most
money.

Qualities that must be displayed

Allowance:
Do not forget to give yourself an allowance for things you enjoy.
Even if on a tight budget, buy something that you enjoy, which
could be as simple as buying a new shirt or grabbing lunch at your
favorite café.
If you do not allow yourself this small “splurge”, you could find
yourself in the same position as if dieting. Total deprivation leads
to overindulgence.
The whole idea of this book is to show you how to save money
while at the same time living a normal life.
What’s the point of scrimping and saving to only live a miserable
live. You can still spend money and be generous to others and
perhaps even more so by being smarted with money in other
areas of your life.

Be Realistic:
When it comes to saving money, make sure the goals you set for
yourself are realistic. If you earn $50,000 a year, saving $20,000
would be nice but it is very unrealistic. Make your goals
attainable or you will never save

Flexibility:
Once you have set your goal for saving, realize that things can
and will change. The secret is learning ways to be flexible. If you
normally save $150 a month, when something unexpected
happens, you may only be able to save $50 that month. This is
fine as long as you focus on getting back on track.

Patience:
Be patient when it comes to saving. This means that you need to
accept that it will take time to save and good planning. Be patient
and remember that just because you want something, do not rush
to buy just to satisfy your urge. Instead, wait for sales in order to
get the best price, which in turn will save you money.

Break old Habits:
Take time to learn the various things that “trigger” your spending.
When you are depressed, lonely, sad, anxious, excited, whatever
it may be, do you spend more?
Once you can identify these triggers then you can learn how to
control them. As an example, if you were just laid off from your
job, although money is tight, you may have an overwhelming
“need” to spend money.
Perhaps you notice that when you are bored, you head for the
shops. Knowing what affects you will help you to discipline
yourself to find other ways of comfort.

planning for money saving

Written Plan:
When a person goes into business, they create a Business Plan,
which becomes the blueprint of their business. The same should
apply if you are trying to save money. Create a master plan that
the entire family can get involved with and learn their role. When
you start to spend too much, go back and look at your plan to see
where you are messing up and how you can fix it.

Incentives – Reward Plan:
To help you and your family spend more wisely, set up a system
where rewards are given when the rules set forth are followed.
For example, if a family decision was made to start making lunch
and brown bagging it to work and school instead of paying each
day, the incentive might be that if this is followed strictly for one
month, the entire family can spend a Saturday at the Zoo or
favorite theme park.

What Matters to You?
Make a list of the 10 most important things in your life. Next to
each item, rank them in order of importance using numbers 1
through 10.
The purpose of this exercise is to help you see the things you
consider the most and least important and to provide you with a
visual of why you need to save.
Some examples of things that a person might put on their list
include new home, car, special trip, artwork, starting a business,
or pay off debts.
Sometimes it pays to itemize how you are going to get those
items. For example if you go for the new home first you could use
the equity from the home to purchase a car.
However if you went for the car first you would more then likely
struggle to get the home.
See what I mean?
Sit down and itemize what you want and then draw up a plan for
how you can achieve those results.

For uk peoples:

FEATURE: Money saving tips for culture
How can I get cheaper tickets for cultural events?
You don’t need to go to Leicester Square in order to bag yourself cheap tickets for West End shows. Websites like www.LondonTheatreBoxOffice.net or www.theatretickets.co.uk and www.lastminute.com offer similarly cheap tickets, which you can book from the comfort of your own home. Otherwise, keep an eye out on radio station websites like www.xfm.co.uk and www.virgin.co.uk as they constantly run competitions for gigs and festivals and somebody has to win them!
One good tip which can apply to a lot of cultural events is that it’s always better to book at the box office and collect in person on the night – that way you remove postage, insurance and handlers fees!
Any money-saving tips for avid cinema goers with small budgets?
I would recommend signing up to www.seefilmfirst.com. They email their members a screening code when tickets for new movies are available. Once the member has entered the site with a screening code you can then apply for free film tickets.
Yes- indeed! I suggest that if you’re looking for cheap theatre tickets, that you check out Arcola Theatre’s “Pay what You Can Nights” which are for those who find the regular price of tickets off-putting. These tickets are available on most Tuesdays and can be purchased at the box office from 7pm on the evening of the performance. For more information, go to www.arcolatheatre.com.
Another suggestion is to go midweek to the play of your choice (as long as you know it's not a sold out show). Buy the cheapest price level but ask the usher to get you a better seat just before the performance. This usually works as they like the theatre to look full in the main seating area.
Can you suggest any ways of getting cheap tickets for classical music performances?
Classical music is not expensive – it really isn’t!! It costs just £5 to go to the Proms and ironically, the cheapest tickets at the top of the Albert Hall have the best acoustics! The same applies for the Royal Opera House with cheap tickets in The Gods selling for as little as £7.
The music programme at Kings Place (home to the world class London Sinfoniette and the Orchestra of the Age of Enlightenment) offers an online discount of £2.00 less than all other booking methods.
What are the best websites to sign up to with regards to keeping abreast with what’s on in the cultural sphere?
Websites like www.artshub.co.uk are great because they keep you in the loop about forthcoming cultural events. Sign up to sites like www.dailycandy.com, www.kultureflash.net or www.flavorpill.com, all of which offer a similar service.
Also, check out the websites of your favourite public galleries as they regularly post news about forthcoming events, special weekends, free talks and evenings etc. Don’t forget the private galleries like www.chrisbeetles.com or www.victoria–miro.com as they are always eager to foster new clients and once you’re on their email or postal mailing list, you’ll get invited to their private views which often have free drinks laid on and a fun crowd of like-minded people!
And don’t forget www.londonisfree.com for those of you based in the capital. It’s a great website for scanning at the beginning of a week- as it’s bound to have something that will appeal.
What are the top bargain hunter tips for the budding art collector with a small budget?
There are several events worth attending, even if it’s just to train your eye and get you familiar with art and the prices some artists or styles can command:
London’s forthcoming Affordable Art Fair runs from 23rd- 26th October (www.affordableartfair.com). It has a very laid back atmosphere and you’re sure to bag a bargain as they offer a range of art from £50 upwards.
Another great way to find affordable art is to attend events like the Vauxhall Art Car Boot Fair which takes place in Brick Lane in June each year ( www.artcarbootfair.com). They have had the support of big names like Tracey Emin and Peter Blake in the past. It’s a fun event with food, drink and crazy performances to keep you entertained and best of all, the entry is only £3.
Etsy.com is a very cool little website which allows you to buy or sell handmade items. It has been described as a crafty cross between Amazon and eBay, check it out!
Do you have any affordable suggestions for cultural outings?
The Open House weekend on 20th & 21st September is the capital’s largest architectural showcase. http://www.openhouse.org.uk. They feature 700 buildings and architectural walks and provide a close up view of London’s famous buildings.
Buy cheap bus tickets from travel companies like megabus (www.megabus.com) and visit cultural and historical cities like York, Bath, Edinburgh and Oxford for a fraction of the cost of train fares.
Take advantage of free gallery admission at the likes of The Tate Modern, ICA or Hayward Gallery. You’ll find the information on the particular gallery website of choice.

How and with which will you deal?

Bank Accounts:
Make sure you work with a qualified banker that can set up the
“right” kind of account for your type of spending. There are
numerous options specifically designed for people that write a
good number of checks versus those who do not.
Check with your existing bank to ensure you have what you really
need and if they are not willing to work with you, change banks.
In general, credit unions are good options. Their rates are
typically lower and because they are employee owned, you can
find better options.

Organization:
You may be wondering what being organized has to do with
saving money but in reality, it has a lot to do with it. For
example, if you miss a credit card due date by one day, you will
be charged anywhere from a 15% to 25% penalty.
The same would be true for taxes. Missing one simple date can
cost thousands. You need to be organized so you know the exact
dates your bills are due as well as keep all receipts, contracts, etc.
in an orderly manner.

Check Receipts and Statements:
If you were to check your grocery or store receipt, approximately
50% of the time you would find an overcharge. This happens all
the time and in some cases, the charge can be substantial.
The same is true for credit card statements, bank statements,
phone bills, etc. Check the detail because it is quite common to
find errors.
These mistakes can easily be corrected simply by asking and
providing a copy of the receipt or statement.

Overdraft Protection:
Almost everyone has at one point or another had an insufficient
check. Most banks charge $20 per returned check, which if not
careful with your account, can quickly add up to a lot of money.
If you have a savings account, consider adding overdraft
protection onto your checking account so if you ever go into a
negative balance, the money would automatically be covered by
your savings. Most banks offer this service free.

Financial Consulting:
Many financial companies and even churches offer outstanding
classes on how to manage money. While some of these programs
are free, others may have a nominal fee of around $35 to attend
but the money is well spent.
Another great option is consumer-counseling services. This is a
great option for people in over their head with debt. The
counselors will work directly with your creditors to lower your
balances, interest rate, and establish workable payments that you
can afford.

Members of family's efforts

Coordinate Efforts:
If you are married, make sure you and your spouse are working
on the same agenda. If one is trying to save money while the
other is busy spending, what is the point? When you work as a
team, you can encourage each other to keep on track with your
saving.

Heating and Cooling:
Make sure vents in rooms not being used or the garage are
closed. Many people tend to try to heat and cool the entire home.
Instead, take the time to close off areas that you are not using.
You will save substantial money on your utilities.

Turn your Hobby into Money:
Everyone has a skill – find yours and turn it into money. For
example, if you have a skill for woodworking, start creating
children’s toys, or curio cabinets to sell. Perhaps you are
computer savvy and could teach a class at your local community
college. Find something you enjoy and sell it.

Consolidate your Errands:
To save gas, organize your day of errands so you get as much
done in an organized manner as possible. Stay in the same
geographical area and hit as many of your errands in that area as
possible to avoid excessive driving.

Stock Up:
As you shop, if you notice that a brand you and your family use on
a consistent basis is on sale for a great bargain, stock up. As an
example, if you use a particular type of shampoo costing $4.50
per bottle and you find it on sale for $2.50, go ahead and buy two
bottles. You should only do this on items you know will be used.

Family Haircuts:
Look for hair styling shops that offer family deals or learn how to
cut hair yourself. Many families take care of their own haircuts
and put the money they would have spent aside as a vacation
fund. This system works out perfectly.

Annual Maintenance:
Make a list of all annual maintenance items for your home such as
air conditioner, heater, hot water heater, etc. Once again, being
prepared and working in a proactive manner can save you
unnecessary expenses.
If you take care of your air conditioner by getting an annual tune
up then you lower the risk of something going wrong during the
hot summer months when it will be quite costly to repair.

Utilities:
Set up some rules in your home such as turning lights off when
leaving the room, having only a parent adjust the air or heat,
leaving the doors or windows open when letting either cold or hot
air into the house.
Utilities are expensive and a great money saver is to monitor how
they are used in your home. Another great idea is the investment
of buying an energy-efficient hot water heater.
If you cannot afford one, lower the setting so you are not heating
water so hot. The hotter the setting, the more energy used.

Entertainment

Free Entertainment:
If you are tired of being bored, you will be pleased to learn that
there are hundreds of things to do that do not cost a dime. For
example, if you want a little Friday or Saturday night excitement,
sign up at your local police department for a “ride-a-long” where
you can go on duty with an officer as they respond to real calls.
Community colleges are always offering free exercise classes, or
coffee shops have poetry readings.
Entertainment and having fun does not have to cost anything.
Some cities have special areas that are popular on the weekends
where you can find free concerts. Check your local paper and
college to get a list for your area.


Trendy Fashion:
Most people love to dress in the most up-to-date fashion but for
those fashions, you pay big bucks. Consider dressing with basics
and then emphasis them with trendy accessories. This will save
you money on the clothing that is less expensive while allowing
you to dress it up.

Dining Out:
Eating out can be expensive. Rather than stop eating out, simply
cut back and look for options of two-for-one. Restaurants of all
calibers offer weekly specials and if you check in your Sunday
paper, you can often find special bargains.
You might even think about signing up as a Mystery Shopper on
the Internet where you can eat at fine restaurants free or at a
huge discount just for writing a report on the food, service, and
cleanliness.

Cancel Subscriptions:
It is always fun getting your favorite magazine or book in the mail
but you should cancel them or at least most of them. If you have
several subscriptions, choose one or two to keep and cancel the
rest.

Buffet Meals:
When taking the family out to dinner, consider restaurants that
have buffets. In many cases, the prices are outstanding and a
parent can share with a small child. In addition, many buffets are
“all you can eat” and of course, there is something for everyone.

Matinee:
Do you love the movies but hate the prices?
Switch your nighttime show to the late afternoon or early evening
matinee. The price is about 50% less and when taking an entire
family, that is a nice savings.
Pop your own popcorn, put in a plastic bag, and place in a large
purse and make or buy your own candy, leaving only drinks to
buy.
Food at the theater is outrageously priced.
The next time that you head to the movies, hit the matinee, stuff
those jellybeans and licorice sticks in your purse, and enjoy the
savings. Also, check for movie tickets online, which can be
discounted.

Avoid Temptations:
If you have a particular weakness, stay away from it. If you love
to gamble, stay out of the casinos. If you have a weakness for
shoes, drive past your favorite shoe store. While avoiding
temptation is hard, it is also necessary in order to save money.
When you want to give into your temptation, this is the time to
use your “allowance”.

Recycle

Try a different type of recycling that will save you money. Have
you ever received a nice gift that you like from someone but will
never use? Rather than take it back to the store for an exchange,
consider keeping it to give as a gift to someone else.
Another way to recycle is to look around your home. There are
always things right in your home that can be used to make nice
gift baskets – things you never use.
For example, the next time you purchase shower gel where you
buy one and get one free, keep one for yourself and set the other
one aside for future gift giving. You will find hundreds of ideas so
be creative and consider things you purchased but have never
used.

Make your Own Gifts

If you ask people if they prefer a store bought or handmade gift,
the majority would choose the latter. Handmade gifts are
individualized and come from the heart.
When you have a birthday, anniversary, baby shower, wedding, or
Christmas gift to give, make the gift. For Christmas, you could
make a beautiful ornament or door wreath, for a baby shower you
could purchase an inexpensive bib pattern and make special bibs,
or for a wedding, you could create a wonderful album of photos
showing the couples dating life.
Other great options include making homemade hot chocolate,
soaps, candles, or lotions and placing them in inexpensive glass
containers or baskets purchased at a thrift shop. If you use a
mason jar, add foam and fabric under the lid for added color, use
a label to write the contents and a message of endearment, and
wrap a nice piece of ribbon around the ridge. The options are
endless, so get creative.

Shopping And Selling

Shop Online:
Many online businesses offer great bargains and in some cases,
free shipping. Since the Internet is such a competitive market,
you can usually find fantastic deals. In addition, many of your
favorite businesses where you shop in person have websites that
offer even greater savings.
Bookstores such as Amazon.com will sell books up to 70% off the
original price. Overstock.com is another online business that sells
closeout items for fantastic bargains.

Consignment Shops:
Rather than throw out or sell slightly worn clothing or other
household items in a garage sale, consider selling them through a
consignment shop. You will get a better price for your items and
consignment shops are always looking for quality merchandise.
Check out Half.com, which is an online consignment shop offering
books, movies, computer software, and much more in either new
or used condition.

Selling your Home:
If considering putting your home on the market, make sure you
work with a reputable realtor. A good realtor versus one that is
not as experienced can be the difference of thousands of dollars.
A good realtor will know exactly what you need to do to your
home to get it in the best selling condition, which in turn will get
you more money. In addition, experienced realtors know all the
best methods for advertising and selling your home while saving
you the most money.

Car Shopping:
Shop around for the best price. While you may have your eye on
that “perfect” car and want it now, by waiting and looking around,
you could be saving yourself a lot of money. In addition, check
out other states.
If you live within a few hours drive from other cities, check out the
price difference. The five hours it takes to drive may be worth the
money saved.

Shopping for Clothes:
There are many secrets relating to saving money on clothing. As
a perfect example, rather than buy a matched suit for $450, buy
the pieces separate. This will save you about $100 to $150.
Additionally, buy several pieces that can be mixed and matched,
giving you six outfits out of four pieces.

Stay out of the Malls:
If possible, stay away from shopping malls. High-dollar shopping
malls have expensive overhead and are designed to sell, sell, sell.
Prices are generally higher and in most cases, people walk out
with more than they anticipated buying.
It is better to shop at stand-alone shops or on the Internet.

Comparison Shop:
Comparison-shopping can make a big difference in the price you
pay. You might be looking at a barbecue grill at one place for
$350.00 and by making two more stops, find the exact grill or one
comparable for $300. In addition, consider the price of items
assembled versus unassembled. For example, you might find the
barbecue grill unassembled for $250. A couple of hours of “fun”
assembling the grill is certainly worth a $100 saving.

The Right Time to Shop:

Studies have proven that when shopping while hungry, depressed,
tired, and stressed, you buy more. Before you head to the
grocery store, eat something. If you are upset or feeling a little
blue, calm yourself down or wait until you feel better before you
head out to shop. As funny as it may sound, having a clear mind
is important when it comes to shopping and spending money.

Buy in Bulk:
It is true that warehouse shopping can save a lot of money. Even
if you have a small family, you can always split large quantities.
The price of items in bulk is generally a great bargain.
If you are single, you might go in with friends or family on bulk
items.
Every town usually has a warehouse of some sort where you can
buy bulk purchases.
Another place to find bulk items is eBay
Most of the time when we think of bulk purchases we think of food
or cleaning items however it doesn’t have to stop there.
Most search results in ebay also offer bulk lots.
For example if you need a new camera you could buy a bulk lot
and sell them individually to others and share in the savings. You
would even be saver teaming up with 10 other people who needed
the same item before buying then the cost is covered with no risk.
You can buy all sorts of things in bulk from ebay and it’s well
worth the effort to keep an eye out for a bargain.

Pay on Time:
For every payment you pay late, you are charged a late fee, which
can range from $25 to $50 or more depending on the company.
Therefore, if you just made a $50 payment but it was paid late,
nothing was paid toward the debt. Instead, the entire $50 went
toward an unnecessary fee. To avoid spending unnecessary
money, be sure you mail your check in time to avoid these fees.

Freebies:
Check out freebie sites such as TotallyFreebies.com or
SassySue.com where you will find all types of sample items
ranging from cosmetics to books to clothing.
Most have no shipping charges and the ones that do are minimal.
By filling out a few forms, you will receive sample size soaps,
lotions, shampoos and conditioners, etc., which are ideal for the
traveler.

Health Care

Good Health
You need to make sure you take care of yourself physically.
Missed dental cleanings (every six months) can lead to gum
disease or tooth decay that can cost thousands to fix.
The same is true for your health. After trying home remedies or
over the counter medications, if you still do not feel well, see a
doctor. It is far better to pay the doctor visit than to let your
simple summer cold turn into pneumonia.

Challenge the Doctor/Hospital
If you have stayed in the hospital recently, you know the
outrageous charges associated with every thing used. While you
could buy a box of bandages for a small cut in the drug store for
$5.00, at the hospital, they will charge you $10 for one bandage.
While the government and insurance companies are cracking
down on these charges, you should check things closely and
challenge anything that is ridiculously priced.
The same is true for your doctor. One woman having a
hysterectomy was asked by her doctor if she wanted her appendix
removed at the same time.
The patient thought it was a good idea and agreed. However,
after the surgery when the bill came, there was an additional
$1,200 for the removal of the appendix although the doctor never
mentioned an extra charge.
The woman called her doctor to discuss and the doctor removed
the charge. If something seems way out of balance, question it.
Something else that most people do not know about is what is
called “professional courtesy.” If you are having financial
difficulties, you can ask your doctor if they will write off any
balance owed as a professional courtesy.
Many will and if not the full amount, at least some.

Home Remedies:
Before rushing off to see the doctor for a sore throat, try some
home remedies or over the counter drugs instead. For a sore
throat, butter mixed with ginger and sugar makes a soothing
healing pate. A hot toddy before bed is great for a cold. Simply
ask your family for their home remedies and try it. Sometimes a
simple over the counter medication or herb will do the trick
without costing you an expensive doctor’s office visit.

technology in our life

Computer Software
In order to keep on track with your debts and credits, you need to
use some type of software such as Quicken or Quick Books. This
will keep you focused on your goals and tasks while you strive to
achieve them.
Additionally, rather than buy software programs to download, first
check Download.com or Freeware.com to see if there are free
versions to download.

Automobile Care
Keep your car oil changed, tires rotated, and overall care up-todate.
First, the $30 for your oil change will save wear and tear on
your car, which could result in significant money.
Second, you need your car to get to and from work. By not
having your car in top working condition could put you in a bad
position when it comes to required transportation.

Telephone / Mobile Phone:
First, shop around for the best deals. Second, stay away from all
the fun bells and whistles and just stick with the basic plan. Some
people have turned to shutting down their home telephone and
are now using their mobile phones in place.
Since most wireless carriers offer free long-distance, call waiting,
call forwarding, caller ID, voicemail, and more, it can do the same
as a regular phone but for less. Why have two phones when you
can have just one?
Most people stick with their current telephone carrier despite the
fact they cost much more then some of the alternatives.
A good place to see how much you can be saving on telephone
calls is here

Cable Networking:
If you have a computer upstairs and another downstairs and you
use high-speed data, have one of the computers as the primary
computer and the other as the backup. This way, you are only
charged once for Internet access and a small fee of $10 to $15 a
month for the second computer. This is a great bargain!

Vacations

While Paris, England, or Germany offers excitement, they also
cost money to visit. Unfortunately, people on a regular basis
forget about the United States and even the very state in which
they live.
One man had lived in Arizona his entire life. At age 50, when
asked by a friend what the Grand Canyon was like, he was unable
to answer because he had never been there.
The next time you get ready to plan your family vacation, look
around where you live and consider an exciting road trip that will
not only be educating but cost effective. A vacation does not have
to be expensive to be fun and memorable.

Borrowing Money

Unless you have an emergency, avoid those enticing
advertisements to lend you money at incredible rates.
Banks and lending institutions make it much too easy to borrow
money and especially during the holidays, they flash all their great
advertisements drawing people in.
Afterwards, you have borrowed money that you could have done
without and now you are locked into a five-year repayment
contract. If you want a new car or boat, it is better to save.
If you do need a new car, avoid brand new cars, which lose
massive amounts of depreciation the minute you drive off the lot.
Instead, look for something a year or two old where you will still
have a nice car but much more in line with an appropriate cost.

Repair versus Replace

Instead of spending $1,000 on that beautiful new couch, you
might consider one of two options. If your couch frame is still
good, you might spend $300 to have it recovered or purchase a
quality slipcover for $100.
Redecorate in an instant at Sure Fit Slipcovers!
Your couch will look brand new for much less, than it would to
replace.
Another example would be if you have a lamp that you want to
replace. Consider painting it and adding a new shade rather than
spending money to buy a brand new one.
Perhaps you have a washer, dryer, or refrigerator that is running
a little sluggish. Find out the cost of repair over that of
purchasing a new one.
Even if you have an appliance with the wrong color, businesses
offer fantastic paint jobs. With a little creativity, you will be
amazed at how much can be repaired, thus saving you money.
Plus why not make some money from the same thing? Pretty up
old lamps and sell them.

Plan Menus

Although it will take some time initially, after you have planned a
week’s menu once, it will become much easier and best of all, it
will save you money.
Knowing exactly what you will be making helps you to shop for
foods that can be used more than once. As an example, if you are
going to have spaghetti on Tuesday, you could buy bulk ground
beef at a better price and then use the other half for tacos on
Saturday.
Another option would be buying round steak where one night you
fix Salisbury steak and then a few days later, you use the
leftovers for breakfast hash.
This will help you stretch meals and avoid last minute or impulse
buying.

change your life

Life Satisfaction:
Learn how to enjoy life and nature rather than possessions. The
next time you feel like spending money, head to your local park
where you can enjoy the warm sun, green grass, and towering
trees without spending a dime.
Being happy in life is far better than buying item after item.
Having an inner peace is better than having a house filled with
“things.”
That does not mean you cannot enjoy some of the finer things in
life it just means learning how to be happy with yourself and not
“things.”
Live Within your Means:
The quickest way to get in debt is to live beyond your means.
Sure, most people want more than they have but life is not all
about spending money.
Be thankful for what you do have and learn how to enjoy the
financial position you are in. This is where your budget will help
identify the amount of money coming in against the amount of
debt going out.

Appropriate Deductions

Rather than spending money just for the sake of spending, change
the amount of deductions you have taken from your paycheck for
your 401K or stock options.
This is especially great if your company offers a competitive
matching program. Increasing the amount you have deducted
can quickly add up to a nice savings and is especially nice for
retirement.

Previously Viewed

Home videos and DVDs are hot items and perfect for any family
entertainment. Now you can visit the major video chains and
purchase previously viewed videos and DVDs for about half the
cost.
For example, at Blockbuster, you can purchase either one and get
a 30-day warranty. This is still a wonderful way to have quality
entertainment for a terrific savings.
Another great option is to record your own movies either from TV
or any of the popular cable channels such as HBO, Showtime or
Disney.
Rather than hitting the theater every weekend, make it a special
occasion. Instead, pop your popcorn, grab a soda, spread out a
blanket, and create your own theater-type atmosphere.

Dinner Guests

Invite friends over for dinner as a potluck. People love sharing
their favorite recipe and by splitting dinner, everyone enjoys
variety while saving money. In fact, make this a tradition
amongst your friends.

Instant Messaging / Microphone

Rather than spend a small fortune in long distance, contact friends
and family via instant messaging on the Internet. In addition, you
can download a program that will allow you to connect a
microphone and actually have a voice conversation free.
All you pay for is the normal price of your Internet connection,
which generally runs from $9.95 to $21.95 a month. Either option
allows you to have real-time conversations for no extra money.

Long Distance Calling

If you do plan to use long-distance calling, shop around for the
right carrier and be sure to read the small print. Even if you like
your current carrier, you might be able to find an equally liked
carrier for less money.
Long distance is a very competitive market so deals are easy to
find. The same would be true for your wireless carrier. The plans
range vastly from one carrier to another so check out all your
options for the best one.
Click here to save on long distance
Do not forget to look at the coverage area. If you choose a carrier
that does not have the right coverage for your area, even if the
price is better, there is no savings if you cannot send or receive
calls.

Freeze Foods

When you grocery shop, look for bargains on items that can be
frozen. Most people do not even think about shredding block
cheese and freezing it.
Did you know that you could even freeze eggs?
You can as long as you give them a little room to expand. When
ready to use, simply set them out at room temperature. If you
find apples on sale, make your own apple pies and freeze them or
make applesauce.
Many food items can be frozen with no problem. Therefore, the
next time you see a great bargain think about freezing. (Dairy
products other than cheese do not generally freeze well).

Ball Games

Instead of spending your money on overpriced items at the
ballgame, take your own cooler of food. Some professional
stadiums no longer allow this so check before going. If you have
a son or daughter that plays little league or soccer, this is a great
way to save money over paying high concession stand prices.

Discount Books

Purchase a discount coupon book, which generally costs around
$25. As long as you use it faithfully and base your choices on
options featured in the book, you can save hundreds of dollars.
These books are great for restaurants, hotels, car rentals, and
tons of entertainment and provide great variety and even better
discounts.

Baby Food

Instead of buying expensive baby food, make your own. You can
use fresh vegetables such as peas, green beans, or corn, run it
through the blender, and then freeze individual servings in ice
cube trays.
When it comes time to feed the baby, simply pop out a cube of
food, defrost, and you have instant food. This is a real time and
money saver.
Most foods can be frozen. In fact, if you make family foods like
spaghetti or soups simply make a smaller portion with less salt
and spice, puree, freeze just like the vegetables.

Squelch the Smoking

This is probably the hardest habit to break but in addition to
saving your health, you will also save money. Cigarettes have
become quite expensive and if you can quit smoking, you will
enjoy breathing easier and having more to put away for a rainy
day.

Rebate Programs

When you shop, always keep your eyes open for rebate programs.
Although filling out the forms and clipping the UPC codes from a
box is a hassle, the money you save is worth it.
Some rebate items are not listed as offering a rebate. Check out
AsmartShop.com or Rebateplace.com to see if any of your recent
purchases offer a rebate.

Pocket Change

One to three days after a holiday, stores mark their holiday items
from 50% to 75% off.
This is an ideal way to stock up on next
year’s Christmas or Halloween decorations. This is true for stores
that sell seasonal clothing as well.
Shopping for jackets or
sweaters in the summer will provide you with great deals.

See your Successes

It is important to have an understanding of money. Keep a
journal where you can see your successes when it comes to
saving money.
This is a difficult task and takes time to learn but worth it. By
keeping a list of the situations or ways you have saved money in
front of you, you will be 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 dress 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!

The End

There are alot of ideas for every one to control him self and find what he need and what he doesnot need .
So you are the only one who can contrlo you .
stop with your self and rearreange the needings.
I promise you you can do what you want .
I hope that i could help you for your money saving and stop money leaking.
I hope also you can do what you want very soon.