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"Take This Money and Stuff It"



Easy Frugal Living Techniques To Live Better For Less...



by Terry Clark





Table of Content



1. Better Money Management

2. Creative Ways to Save Money

3. Easy Money Saving Ideas

4. Eco-Friendly Money Saving Tips

5. Frugal Money Saving Tips

6. How to Become a Successful Money Saver

7. How to Economize at Home

8. How to Make your Money Grow

9. How to put Money in the Bank

10. How to Save and Invest Your Money

11. How to Save for Major Expenses

12. How to Save Money Every Day

13. How to Save Money for Retirement

14. How to Save Money on Your Car

15. How to Save Money the Painless Way

16. How to Save on Home Improvements

17. How to Save on Household Costs

18. Money Making Tips for Teens

19. Money Savers that Work

20. Money Saving Guide for the Family

21. Money Saving Ideas for a Honeymoon

22. Money Saving Ideas for a Kid’s Birthday Party

23. Money Saving Ideas for College Students

24. Money Saving Ideas for Small Business

25. Money Saving Tips for Parents

26. Money Saving Tips for Singles

27. Money Saving Tips for Teachers

28. Money Saving Tips for the Unemployed

29. Money Saving Tips to Buy a House

30. Money Saving Tips for a Destination Wedding

31. Save Money in the Kitchen

32. Save Money on Entertainment and Clothing

33. Saving Money when You have a Baby

34. Saving Money with No Budget

35. Summertime Money Saving Tips

36. Wintertime Money Saving Tips

37. Stay Out of Debt With These Money Saving Tips

38. Put yourself first

39. Simple Tips to Help You Save Money at the Grocery Store

40. 9 Tips for Saving Energy On Water Heating 

41. Buying in Bulk Saves Money On Groceries

42. Learn About Saving Gas

43. Repay Your Mortgage As Slowly As You Want

44. Making The Most Of Hard Times

45. How Small Businesses Waste Money

46. Save Money and Energy With an Efficient Toilet

47. 7 Ways to Change Undesirable Spending Habits

48. Kill Your Credit Cards

49. Six Tips on How To Lower Your Utility Bills

50. Downsizing Your Life






Better Money Management


There are quite a few people who feel that they will never be able to save because it is an impossible task. Nothing is really impossible if you apply self-control and responsible spending to the way you disburse your money. The key to saving money is to avoid excessive spending and waste, to achieve better money management.


In this article you will read about money saving ideas that will help you manage money.


Knowing where your money goes is one way to track your expenditure. You may be new to the concept of money management, and more used to living from one paycheck to another. In this case try to maintain a record of your expenditure for a couple of months. This will give you a clear idea of where your money is going. Now look at all the expenses and highlight the unnecessary ones that can be eliminated.


There are many free online software tools to help you manage your money. You can use any one of these money management tools to help track your expenses and set up a budget to manage your finances.


You can keep your energy costs down by keeping the thermostat down a few degrees for the heat and up a few degrees for the air conditioning. You may even want to consider investing approximately 30 dollars for a programmable thermostat that will help you save money by keeping the temperature at energy efficient levels when there is no one home.


On the financial front you would do well to set up an emergency fund. It has been recommended that you save enough money to cover 3 to 6 months worth of expenses. In the event of an emergency like sudden unemployment, you will be covered for these months till you can find a new job. Putting the money in a high yield savings account will earn you more money on your savings.


Increase retirement savings to the maximum possible amount. You need to stash away at least 15 percent of your income in a 401K or IRA account. Find out what the maximum company contribution is and try to bring your account up to that level to really benefit.


You may or may not be aware that by improving your credit score you can actually save money on insurance costs. One way to improve the score is to pay off credit card debt as soon as possible.



Creative Ways to Save Money


With the way the economy is going today, saving money is on most people’s minds. It is strange that people talk about saving yet never get around to actually doing it. Sitting around with a calculator, coffee and good intentions just won’t put money in the bank for you! You need to learn money saving tips that will actually work and make use of money saving techniques to reach your saving goals.


You need to get creative and find ways to actually use money saving tips that work for you. This makes all the difference to whether you actually stick to the plan or not.


Without a plan you are going nowhere, so set savings goals before you do anything else. There are many reasons why people wish to save money. It could be as serious as retirement or something more light-hearted like a vacation. Whatever your reasons for wanting to save money, you need to first decide how much you need to reach your goal – have a specific number in mind. You also need to establish a specific time frame to reach your goal; nothing indefinite or the plan will not work.


Step two is to assess your spending habits; never an easy task, but it has to be done. You may want to consider refinancing a mortgage or other loans provided you can secure a better interest rate that saves you money. If eating out is where the bulk of your money is going, stop and start eating at home, brown bag it to work and cut out expensive coffees. You can save money by setting up a car pool to get to work. Either you drive and the people you drive pay you, or you team up with someone. Of course there’s always public transportation, which is the most economical solution.


Simple things like dry cleaning can really add up. Start doing laundry at home to avoid the expense; use the dry-cleaning service only when absolutely necessary. You may have to steel yourself to cut out buying books, DVDs, magazines, unnecessary groceries that only end up in the trash, going to the movies very often and so many other things that really cost money and add up to quite a bit of saving when discontinued.


Saving money does require discipline and sacrifice. Make sure you actually save the money you save. Put the money into a savings account and forget about it till you reach your goal. If you keep it in your regular account you will probably spend it.



Easy Money Saving Ideas


Saving money through simple ways is better than adopting complex strategies that you cannot follow through with. This article provides easy money saving ideas that can really make your savings add up. Many of these ideas are not new ones, but the more you read about them, the easier they become to follow.


Be warned right from the start that you are going to need to make sacrifices and put in some effort to make those savings add up in your account.


   Food is a major expense in any household, more so if you have hungry little mouths to feed. Children as we know want everything they see so try not to take your kids grocery shopping with you. You could work out a swap with a friend and babysit each other’s kids, taking it in turn to go shopping. Another money saver is to cook at home, difficult when both parents work, so keep the meals simple and nutritious.


   Taking your own lunch to work and making your own coffee will add up to quite a few dollars in saving. You can save more if you reuse your sandwich bags and brown bags. Anyway’, too much coffee is not good for your health, so skip buying it from outside. You can always eat out once a week at lunch time so that you have a break from sandwiches one day a week. Have a family meal outside once a week as well to break the monotony and save yourself from becoming over-stressed.


   Try to fit your shopping in between two tasks. When you are in a hurry and armed with a precise list, you will not have time to meander round the aisles and pick up stuff you don’t need. Always check expiry dates, you may be saving by buying something in bulk, but is it really a saving if you have to bin it because it has expired? Try to buy as many generic brands as possible to really save money. Branded products are more expensive and all you are really paying more for is a name. Cornflakes are cornflakes regardless of the brand you buy!


   Be organized about paying your bills on time. All too often we get so rushed, we forget to pay bills on or before the due date. Then you have to pay late payment fees and this is a waste. Save your money by always paying your bills on time. Make a chart with the bills to be paid and the due dates and try to get them out of the way as soon as possible.



Eco-Friendly Money Saving Tips


Have you ever given much thought to the concept of green living? If you haven’t this just might be the time to do so. In this article we link green living to money saving and offer useful tips that will help save money. There has never been a more crucial time than right now to help the environment that has been so damaged by our technological advancements. It is even better if you can make money while doing so.


Frugality does necessarily mean miserliness especially when actions are linked to protecting the environment. Here are some tips that you may wish to consider adopting in your own homes to ‘go green’ and save money.



   The simple acts of turning down the heat and the air conditioning saves in heating and cooling costs. Further, you actually save something like 2000 pounds of CO2 each year just by changing the temperature by a mere two degrees.


   You don’t have to wash your clothes in warm or hot water, cold water does just as well. You save energy and money. If you air dry your clothes rather than using your dryer, you save 700 pounds of CO2 not to mention the money you save in the process.


   Turn off lights and appliances when not in use, get rid of the heat-producing halogen lamps, install motion sensors for outdoor lights, use fluorescent lights and get a laptop instead of using your desktop and you will save money and the environment.


   Cut down the number of times you eat lunch outside the office, the coffees you grab on your way in to work and at lunch time and reduce the family dining out to once a week. Big money savers! Save and reuse your ziplock bags or brown bags rather than throwing them away after every use. Better yet get a lunch container to put your sandwich in and you won’t need plastic or paper.


   We are so busy rushing around we never have the time to stop and enjoy the world around us. Start taking the bus, train, tram, monorail or any form of public transport to avoid driving and adding to the CO2 emissions. You will save a load of money on gasoline and actually get the chance to sit back and relax. Car pool to go to work or do your shopping and you can save money, the environment and have fun with your friends.



Frugal Money Saving Tips


There are many frugal money saving tips that can be applied around the home and to yourself. We live in an age where money is in very short supply, why give it to the ‘big giants’ who already have so much? Keep reading to learn some useful tips on how to save money.


Make your own home cleaning products that are so much cheaper and better, as well as environmentally friendly. A large part of household expenditure seems to disappear on cleaning products each month. Try putting a teaspoon full of soda bicarbonate on a damp cloth – it works just as well as your expensive cleaners. You can clean glass for free with newspaper soaked in water. A few drops of vinegar in the water will give glass a smear free clean.


Separate your laundry into the dirty and not so dirty piles. The not so dirty piles do not need a long cycle so you save water and electricity. They also do not need the full measure of detergent – another saving.


Shop in the bargain stores that give some really great bargains on the very same products you pay 3 times as much for in the big brand name supermarkets.


Have you ever heard the term ‘vampire current’? Forget Dracula, we are talking about appliances that are switched off, but still drawing current because they are plugged in. As soon as you are done with an appliance, turn it off and make sure to switch it off at the wall as well. You can turn off ovens and hotplates a few minutes before time, they will stay hot. 


If you are a beer drinker and need to consume a few pints each day, try taking up a hobby that keeps you occupied for a while to cut down on the number of pints you imbibe. Good for your health and a great money saver.


Why do you need to buy expensive clothes at full price when you can wait for the sales? Make it a point to only shop when the sales are on and you can get real bargains. Try the discount stores and bargain stores for cheap T shirts, shorts, fleece pants and other stuff that you normally wear at home. Surely one does not need designer wear to go jogging! Here’s an example, the bargain stores will sell you track pants for 10 bucks while you would have to pay at least a hundred in a big store.



How to Become a Successful Money Saver


The world is full of successful money savers and if you would like to join this group here are some hints. How do people get to be successful savers? They use a variety of money saving tips and techniques to save their money. This money is then used to build wealth. The important thing is for potential money savers to understand the need to set aside a predetermined portion of their income before it gets spent.


Here are a few practical tips that you can make use of to start saving money and make the most of your savings.


Learn about investments and interest rates. The first thing you need to know about interest rates is that they fluctuate. It is important to learn how interest rates are calculated. Before investing always check the pay-out rate, frequency of payments and look for compound (interest upon interest) interest products. Never put money in fixed term deposits when the interest rates are low, always wait till the rates are high before investing because your money gets locked in.


Families typically have several bank accounts, which often results in more charges and fees being paid. You can combine smaller savings accounts to enjoy higher interest rates and lower fees. Try to use one bank for all financial transactions; this means you can transfer between accounts without extra charges being levied.


Setting up a mortgage offset account means you pay less interest on your loan. For example, if you have a mortgage loan of 100,000 dollars and 30,000 dollars in your mortgage offset account, you only pay interest on 70,000 dollars instead of the entire 100,000 dollars. Instead of keeping your savings in your usual savings account, you are actually putting it into a savings account linked to your mortgage. You not only benefit by a reduced amount of interest, you also earn money on your savings.


Being in debt is what causes most people to despair of ever having any savings. It does not make any sense to put money faithfully into a savings account where the interest is less than what you are paying on your credit cards. It is best to clear your debts first. Credit cards need to go first before you can even think of saving. It is far better to clear your credit card which charges you 15 percent interest rather than putting your savings in an account that probably only earns you 4.5 percent at best.



How to Economize at Home


Saving money has become the frequent cry in the present time of recession and economic struggle. The people who struggle to make ends meet know full well how difficult it has become to make the dollars last, pay all your bills and stay debt free. We want to help and this article provides a list of money saving ideas that you can adopt.


Not all the money saving ideas to economize in the home will be suitable for everyone, but why not try a few and see what works best for you?


   It is expensive to hire someone to do simple jobs like painting, gardening, mowing the lawn and washing the car. Why not try to do these jobs yourself and save your money. The painting may not turn out to be a perfect job and the lawn may look splotchy, but the important thing is that you will be saving money by doing the jobs yourself.


   Swap services with the friends in your group. You may actually be good at mowing the lawn and your best mate may not. You do the other person’s lawn and get your friend to do your gardening or wash the car. You can get all your jobs done with only effort rather than money on your part.


   When you see something you like and are tempted to buy it, have a little talk with yourself first. Try to find out whether you really need the item before rushing into the store to buy it. Better yet walk away, telling yourself you will think about it and come back later. Odds are you will forget all about it in a few days.


   Reuse your foil wrap and ziplock bags so that you don’t have to keep on buying the stuff. Wash them out first. Wash out and use empty cartons like ice cream containers to store food in your freezer. This will save you having to buy special containers.


   If you have children, you can always get toys and clothes from friends whose children have outgrown them. Try to swap stuff so that you and your friends can save money.


   Reuse junk mail envelopes to make your ‘to-do’ and ‘to-buy’ lists. You won’t have to spend money on buying paper blocks or notepads.


   Dilute hand wash liquids, tomato sauce and dishwashing liquids to make them last longer. This will save you having to buy them so frequently.


The list of money saving ideas is endless. Find ones that work well for you and put them into practice to save your money.



How to Make your Money Grow


Donald Trump’s motto is, “If you are going to think, why not think big.”  Sound advice coming from a man who once had a staggering 900 million or so in debt; today his net worth is calculated in billions! Anyone can make their money grow, but first they have to save the money.


In order to see your money grow you need to first ask yourself how much money you wish to accumulate. Don’t be vague and think ‘all the money in the world’! Be specific and come up with a realistic figure. Ask yourself why you want this amount of money. If you have goals it becomes easier to save because you know what you are working towards. Now work out how many dollars a day you need to save to reach that amount.


The next step is to decide how to invest the money, what interest rate will help you reach your goal and how long it will take you to get there. Your goals have got to be clear, reasonable and doable. You have to commit to what you want and be consistent in your plan to save money.


Here are a few tips to help you save money that you can invest for real growth of your savings account.


If you don’t have one, set up your 401K account and max out your contributions. Companies match the contribution you make and that is free money for you right there. Put the maximum you can into this account and you will be able to double the amount with the help of your company.


Make sure you know exactly what goes out of your account and where it goes at all times. In other words track your cash flow and put the brakes on immediately if the spending is on unnecessary items.


Never keep money meant for your savings account in your normal checking account. Of course you are going to end up spending it! Put the money for your savings account right away into the account as soon as you receive your paycheck. Better yet give the bank standing instructions to transfer a certain percentage to your savings account each week.


Look at ways to reduce different insurance payments and see if refinancing your mortgage will result in lower payments. Set up a mortgage fund and you will pay a lot less interest on your monthly mortgage payments.


Clear up outstanding credit card debts and get rid of the cards!



How to put Money in the Bank


Are you tired of working and never seeming to get ahead in your finances? Do you have a budget that does not work? Are your debts spiraling out of control? There is only one way to beat the financial crunch you find yourself in and that’s to start saving. With a strict budget that works, you can pay your bills and still put money in the bank. The more you save, the more you can clear your debts or buy things you really need with cash instead of credit.


Let us take a look at some interesting money saving tips to help you save real money.


Stay away from the malls unless you really need to visit a particular store. Strange as this may sound, if you seriously think about it, you will have to admit that innocent trips to the mall always end-up as shopping sprees. That’s the fatal attraction of malls with all their mind boggling merchandise.


Entertainment like the movies, concerts, music shows, theme parks and what have you are all expensive ways to be entertained. Why not set aside a budget for just one visit a month to anything that you decide as a family is worth doing. For the rest of the time try recreation to keep the kids entertained. Recreational activities like the beach, hiking or camping for example are all free or low cost at best.


Have you ever thought about how much pizzas, expensive coffees, gourmet dishes and specialty shops are costing you? Why not keep tabs for just one month and stun yourself silly with the total? There’s no need to take all the fun out of life, but if you start making a conscious effort to reduce the number of times you indulge in these things in a month, you are going to be putting money in the bank.


Turn your attention to the cable TV service you pay for each month. Do you really need 500 channels when you only watch maybe 50 between you as a family? It may be time now to rethink the package that you are currently subscribing to. Work out what you really need and cut it down to what you are really going to use.


There are so many things we pay for without really thinking about them consciously. Start right away to make a budget and then analyze all the things you pay for versus what you actually need and use.


You will soon be putting money in the bank!



How to Save and Invest Your Money


Global economies have been affected by the recession and the dollar is not as strong as it once used to be. The truth is stretching the dollar to cover expenses is becoming near impossible. Still, that is not reason enough not to save and invest. If you are worried about the value of investing and where to invest, you need to read this article. If you make a firm decision to save your money and invest wisely, you are going to be smiling all the way to the bank!


Here are a few investment ideas for you to consider putting your savings into. This will help you to earn interest on your savings and build up a sizeable bank balance.


   Do you have an emergency fund, a nest egg or money set aside for a rainy day? If the answer is no, it’s time to get wise to what you can do with your money to provide you with a safety net for when financial emergencies arise. You can choose to set up a separate bank account for your emergency fund or put the money into certificates of deposit or other investment options. The most important thing is that you budget for this amount from your paycheck regularly.


   In the western world, we seldom consider buying jewelry. There are countries where jewelry is considered an excellent form of investment. Buying jewelry for investment is actually a very safe option. You can even buy precious stones. Jewelry prices, especially gold is always going up and this is a good choice for investment. With jewelry you will have something that you can cash in anytime you need the funds because gold has a high liquidity value.


   Time deposits are another good investment. The money is put into a deposit for a fixed term. If you choose to break the deposit before the term ends you will have to pay a penalty. This will discourage you from breaking your deposits unless it is a real emergency. You need to find a bank with a solid track record and invest in one or more time deposits. You can stager the deposits so that they mature at different times. This means you will always have some money to fall back on.


   You need to become wise in your spending. You will have to know when to pay full price for products and this usually covers electronics, which we hope will last a long time. Things that get used up very quickly can be bought at the cheapest discount store. This includes various household products like toilet paper that are necessities, but you don’t need to pay more money for them.



How to Save for Major Expenses


There are many things in life which we will have to buy. These things are big ticket items that will probably drain your bank account. For most people, long term saving is always equated with retirement. However, there are certain big ticket items that have to be bought, for example, a car is a big expenditure and so is a washing machine or installing central air conditioning and heating.


Here are some tips on how to save for major expenses that will arise every so often. Following these tips will make saving for a big expense easier to do.


Increase your savings by adding to it from your budget. You can cut out expenditure on certain items to save money from your household budget for example, to add to your savings. Let us assume you want to buy a new washing machine and need $1500 for the purchase. If you get paid weekly, you need to save approximately $29 from each week’s paycheck to reach this amount in one year. Surely it’s not too hard to cut out those store-bought coffees and lunches to reach this figure each week!


Cutting back is the secret to saving money to cover the big expenses. If you simply have to get yourself a new car, you are going to have to make some sacrifices. It will be well worth it when you finally sit behind the wheel of your snazzy new vehicle. If your car is on its last legs, you have no choice but to get a new one. First, stop driving your car to work and take public transport; you will save a lot of money on gasoline and maintenance.


Cut out all the little things that keep adding up, it may seem like a coffee here or a meal there, but you will be surprised to see how much you spend each month. Be firm with yourself and think of your new car when you say no to eating out. Cook at home, take your own lunch to work, cut out expensive snacks and eat seasonal fruit instead, make your own coffee and stop visiting the pub each evening for the after work drink. Do this for a month and you will be amazed at the amount of saving you will end up with.


Why not mow your own lawn and wash your own car? You will save money each week on these two activities and you can always tell yourself the exercise is good for you.


There are lots of ways to save money for big expenses, it just needs grit and determination on your part!



How to Save Money Every Day


We are living in a time of economic hardship and every month it appears to get harder to pay the bills, buy groceries and pay for gas; the list seems endless. The secret to becoming financially stable is to start saving money. It does not matter if your savings account balance looks dismal. Take a look at the list of easy money saving tips provided in this article and you will feel motivated to save.


   Cut down on the junk food that is not only bad for your health but for your wallet as well. This holds good for all those take-away meals you keep ordering. Do a bit of grocery shopping and get some healthy foods that you can either cook or make sandwiches with.


   Start drinking water, its healthy and its free, and you will save on all the sodas and coffees you keep buying. This goes for the family as well; why not try to become a soda free household?


   Walk instead of driving; short trips to pick up milk or bread need not be done in the car. Every time you start your car’s cold engine you use more gas. Need one mention that walking is also good for your health!


   Make a conscious effort to recycle to save resources and minimize waste. Of course you also save money. For example, if you reuse your sandwich bags instead of using a new one every day, you will only need to buy 1 box instead of 3 or more each month.


   Reducing your heater thermostat or turning up your air conditioner thermostat by just 2 degrees will make a big difference to the CO2 levels and save you money on your electricity bill.


   Stay as far away as you can from loans. You don’t need them if you learn to budget and live within your means. You will also not need a loan in an emergency when you have your own savings account. If you must use a credit card make sure you can pay the full amount before the due date to avoid interest and late payment fees.


   Get a small car that will not guzzle gas and try out the public transport. You can save big money on fuel if you go into work on the bus or train. Plan all your trips to make one big trip; you won’t have to keep using your car.


   Get the whole family involved in keeping the house clean, mowing the lawn, washing the car and other household chores. You don’t need to pay people to do these jobs for you. Pay your kids a small fee and they will be more than willing to help out.



How to Save Money for Retirement


Retirement is a stage in life that most of us will eventually arrive at one day. When people are young, they seldom think about retirement; it’s just a word in the very distant future. While this may be true, time does go by quickly so it is best to be prepared. Here are some tips on how to save money for your retirement.


Live below your means


One of the best ways to save money for your retirement is to live below your means. If you are in the practice of spending every penny of your paycheck and living from one paycheck to the next, this will have to change. The security of having money in the bank is a good feeling. This is really a very basic concept and if you can master the art of living below your means, you will end up with a sizeable savings account.


Emergency fund


Set up an emergency fund to take care of all those expenses that suddenly crop up and take you by surprise. The normal reaction when there is an emergency is to pull out the plastic. If you are prepared with an emergency fund, you are not going to need to use your credit card and create a debt.


Reduce spending


Reducing spending is a difficult but necessary step if you want to see that retirement account growing. The first thing to do is to examine your expenses for the week. There are many items that you buy during the week that are really not needed. Cut out the spending and you can add that money to your retirement account. As soon as you get your weekly paycheck, put a percentage of it into your retirement account. You cannot spend what you don’t have, so if the money is not available, you will not be tempted to spend.


Plan your spending


You can become a smart shopper by planning your spending rather than being an impulsive shopper. Your intentions are good, you set out window shopping and end up buying a blouse or shoes you can ill-afford. Wait for sales to buy clothes and shoes. For larger items, make sure you know exactly what you want first, then comparison shop to find the best deals.


Make some plans for what you want to do when you retire. You may have always wanted to take a cruise trip or visit the Grand Canyon. Set yourself some goals so that you have something to save towards and a reward waiting for you at the end of your long struggle.