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Sweetheart

Well for me every month i m telling myslef i have to start saving money i have to do this i have to do that..... but .....befor the month will start i will tell myself okies i ll start next month

i want to save money actually coz no one knows what s gona happen tomorrow so i found this procedure and i bring it here to help the pple like me

1 - Cook at home often rather than eat out.
2 - Make your own coffee, buying lattes every day soon mounts up.
3 - Bring in a home made lunch to work at least a few times a week.
4 - Make a list before going shopping and stick to it, they call it impulse buying for a reason!
5 - Go grocery shopping while you are in a hurry
6 - Watch out for expiration dates on perishable goods
7 - Buy in bulk whenever possible
8 - Buy generic products wherever possible; don’t go for the brands that are most familiar – they usually are more expensive. Seek out local alternatives.
9 - Use grocery store bags to line rubbish bins
10 - Consolidate and pay off debt as soon as possible
11 - Pay your bills on time and avoid late fees
12 - Be aware of your bank balance and avoid over draft facilities
13 - Avoid ATM fees, use your own bank
14 - Have a left over night once a week to eat all the left over food rather than throw it out
15 - Avoid credit cards with annual fees
16 - Use your landline phone to make locals calls rather than your mobile as it is free
17 - Instead of buying books, borrow books from the library
18 - If you have to buy books, check if you can buy it second hand
19 - Price check before buying anything expensive
20 - Avoid impulse buying, you can always go back to it at a later date
21 - Refill your water bottle from communal machines
22 - Avoid the vending machine
23 - Keep your car as long as possible
24 - Do regular scheduled maintenance on your vehicle
25 - Avoid buying a new car
26 - If you watch a lot of DVDs, get an online DVD store membership
27 - Turn off the AC when you are out, it is a waste of resources and not environmentally friendly
28 - Plan holidays ahead of time, look online for special deals
29 - Keep your distance from lavish, high roller friends
30 - Check for discounts on family activities in local papers

Let’s keep this simple and clean – just a bunch of relatively easy ways to save money. As you incorporate more and more of these tips into your life, the savings add up and it wouldn’t surprise you if you could save thousands over the course of a year.