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Deals That Are Nifty by Sister Thrifty: Saving Secrets

Deals That Are Nifty by Sister Thrifty

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Saturday, January 28, 2006

Saving Secrets

Are you planning on establishing a "New Year's Resolution" to start saving more money in 2006? Like any resolution, unless some ACTION is taken on your part, nothing will ever change.
For example, if your New Year's resolution is to lose weight, you WILL have to change a few eating habits and/or exercise regularly. If your goal is to quit smoking, then you WILL need to make an honest effort to stop smoking.
Key To Your Success
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The key to making your resolution become a reality is to set a goal. In other words, what do you want the 'extra' money for? Are you saving for a new car stereo system? What about a family trip to Las Vegas?
Point is, when you have something to strive for, saving money becomes ten times easier. This goal is something you really want, so you will do what is necessary to be successful.
Once you have a tangible goal to work toward, establish an amount you will need to reach. Or, how much is your 'goal' going to cost?
For example . . .
A new car stereo system - $200-$700, depending on quality.
A trip to Vegas - $350-$1800, depending on distance/hotel/gambling habits.
Start off just a week at a time. Decide how much you need to save per week in order to reach your goal. Use these tips to help save money each and every week:
Avoid Eating Out
This may be your number one money saver depending on how often you dine out. Trips to restaurants and fast food 'joints' can quickly add up to be an expensive bill. Try and limit your outings to once a week, or better yet, once a month. On other days, pack a lunch or cook at home. Not only will you find yourself saving money, but you'll be eating healthier at the same time.
Adopt The "Do I REALLY Need This" Approach Before you purchase ANYTHING, ask yourself if you REALLY truly need to have it. Whenever you are tempted to buy something, ask yourself "Do I REALLY NEED this new item, or do I just WANT it?" You may be surprised to learn that some of the purchases you make, you simply WANT to have and can probably get by without it (at least for now).
Put A Limit On Entertainment Costs
Who's to say that you need to spend $150 every time you have a night on the town? There are a number of activities that don't cost much like miniature golf, bowling, movies, picnics, camping, museums, scenic spots, local college sporting events, city parks, beaches/rivers/lakes, and the list goes on and on. Point is, be creative and have fun without spending all your hard earned money.
Don't Let The Kids Have Free Money
How often do you find your children saying 'Mom/Dad, let me have a few bucks!' Many of us don't mind, or sometimes we are too busy at the time to put up an argument. Regardless, this will cut into your savings potential, and delay you from achieving your GOAL. Instead of just giving your children money, make them earn it. Teach them the value of money and they will soon learn not to spend their money haphazardly since it does not "grow on trees".
Stash Your Savings In A Special Place
Don't forget to do this! You wouldn't want to spend the money that you've worked so hard to save. Designate a special container for your savings where all the extra money can be put. As they say, 'Out of sight, out of mind'.
Maybe even a specially designated bank account to take the risk of spending out of the picture.
*NOTE*: Take extra special care in where you keep your container, and who you tell about it. This is your personal goal, so there is no reason the whole world has to know, right?
Conclusion
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These are only a few money saving tips you can implement into your day-to-day routine. Keep in mind though, these aren't your only opportunities to put some extra money in your pocket, but they are some of the easiest to start implementing.
Take time to reflect on your current situation. Analyze your expenses to see where you might be able to cut-back to save more money. Remember, you and only you control the amount of money you save in 2006.
You'll find that when you set a goal that is important to you, saving money is really not that hard. If it is important to you, then you will make the small sacrifices to accomplish that goal.
If you are interested in getting your hands on a more detailed, step-by-step money saving guide, take a look at some of the Ebooks that we offer. You can even download a FREE electronic book titled "Eight Steps To Tackle The Money Saving Process" at the following location: http://www.savingsecrets.com/8part.html
Best of luck in attaining your New Year's Money Saving Goal! Remember, the more dedicated and persistent you are, the more money you'll save. That is the overall purpose of your New Year's Resolution...right?
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Copyright 2006 -- http://www.SavingSecrets.com Get immediate access to effective money-saving articles and even a FREE monthly newsletter and downloadable ebook directly at their website!

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