Do you have a budget or finance related
tip that has helped you and would like to share it with us?
E-mail your organizing tip along with your name, city, and
Use it up. When you replace bathroom or kitchen supplies,
always use what you have first. If you switch too early out
of desire, keep new things out of sight. This cuts way down
on the number of half used products you have to store (out
of guilt) because they represent money you spent.
Buy quality. When you make a significant purchase
like furniture, electronics, or cars, it makes sense to spend
more upfront and get a good quality product. If you skimp
on big-ticket items, it costs more for repair and replacement
in the long run.
Mail best wishes. Save your capital and suitcase space
by sending postcards on your vacation in lieu of trinkets
and souvenirs. Do you like getting such items yourself? A
heartfelt note and a pretty scene will be appreciated.
Contribute annually. Pick a month to send all charitable
donations. During the year, put small amounts aside in anticipation.
You can help your favorites each year or change recipients
according to how you feel.
Buy Used. When purchasing a car, look for a used one
with low mileage. You will get the benefit of a manufacturer's
warranty while paying significantly less for the vehicle.
Buy generic. When shopping look to see if there is
a generic equivalent to the item you want to purchase. If
there is, the price is often significantly less.
Have insurance. Car and health insurance are a must
have. One auto accident or bad health situation could wipe
out a lifetime of savings without it.
Buy rechargeable batteries. If you have electronic
gear, which requires batteries, it may be less expensive to
buy rechargeable batteries. Digital cameras, PDA's, and remote
control cars are just some of the items that would benefit.
Buy, don't lease. Purchase big-ticket items such as
computers and cars. Unless the purchase is for a business
it is usually more cost effective over the long-haul to buy
these items (even with a loan) than to lease them.
Get a financial needs analysis. Get on the road to
debt freedom and financial independence with a written game
plan. Most people don't plan to fail, they fail to plan! It
is never to late to get started. To learn more send a request
by E-mail here.