Wouldn’t it be nice to have more money to do the things you really want to do?

There are so many things you would like to save for or invest in, but you aren’t able to find the money. It is easy to say that you are going to stop spending so much, but you simply don’t know where to start.

It isn’t that hard to start cutting down on your expenses. You simply have to look at the little things that make a difference in your monthly bills.

For example, I know that we all like the convenience of coffee shops and java huts. The coffee or tea is always great and you get great muffins. But you can save $20 a week (or more — I’m saving about $35) by simply buying your coffee or tea at the grocery store and making it at home. You can even splurge on the store bought pastries.

But the key is to put that saved money in your savings account or at least in a jar on the fridge. It isn’t really saved until it is put in your savings. Otherwise, it is simply spent differently.

You can cut your utilities without much notice at all. Keep your house warmer in the summer and cooler in the winter. You will get used to it and never notice any difference. Save electricity and water in many frugal ways. Try drying your clothes on a line instead of a dryer. Cut back on your cable channels and eliminate the extras you are paying for in your phone bill that you never use. When was the last time you used your call forwarding anyway?

As you get on a roll, you may find that there are other areas you want to start saving in as well.

You can trade your car in for a more economical model. You save on car payments, insurance, gas and maintenance.

If you are carrying high interest rates on your credit cards, you should consider a reduction in the rate. Call the company and request a lower rate. If they turn you down, you can always transfer your rate to a lower rate card.

There are many ways to save money. They range from simply buying a cheaper brand of something to not buying at all and making do. Be creative and keep your goal in mind, and before you know it, you can find ways to save everyday.

About The Author

Martin Lukac represents http://www.rateempire.com/and
http://www.1AmericanFinancial.com, a finance web-company specializing in real estate and mortgage rates.

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