Have You Got Common Cents?
Common Cents – A Simple Guide to Saving, Making, and Managing Your Money
If you haven’t already ordered your Common Cents package, it’s not too late! If you’re like a lot of people, you overspent (again) for Christmas, are paying out way too much in credit card bills, have a hard time making ends meet… and the list goes on and on. Get the help you need… now… Common Cents.
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Frugal Living Tips
How to Save Money and Survive During the Economic Recession
Frugal Tips to Help Avoid Overspending During the Christmas Holiday Season
How to Get Organized Quickly for the Thanksgiving and Christmas Holidays
How to Cut Your Grocery Bill in Half and Save Money on the Cost of Food
Ten Ways to Cut Living Costs Quickly
Best Home Decorating Tips on a Budget
Frugal Living Tips: Ways to Save Money at the Supermarket
How to Get Rid of Fruit Flies in Your Kitchen the Frugal Way
Romantic and Fun Dates for the Frugal at Heart
Saving Money on the Cost of Gifts: Gift Giving on a Budget
Tips to Help Avoid the Temptation of Spending Money
Using Vinegar to Clean: How Vinegar Can Help Clean and Save You Money
Unique Ideas to Help Save Money: Tips to Keep More Money in Your Pocket
Saving Money on the Cost of Child Daycare
Tips to Decorate Your Home on a Budget
Tips to Save Money on Laundry and Clothing Care Costs
Energy Saving Tips: 13 Ways to Save Money on Power Bills
Unique Ideas: Frugal Money Saving Tips to Budget Better
Saving Money on Food and Groceries
Better Budgeting Guide: Tips and Tools to Budget Your Money Better
Saving Money on Christmas Gifts
Nine Tips to Save Money on Gas
Tips for Reusing Everything from Grocery Bags to Toilet Paper Tubes
Dumpster Diving: Is it for You?
Mystery Shoppers Make Money Doing What They Love… Shopping!
How to Save Money on Baby Care, From Juice to Food to Diapers
Be Frugal: Living Well on Less Money
Frugal Family Fun That Allows You to Save Money
Impulse Shopping: A Cure for This Buying Disease
Saving Money on the Cost of Prescription Medicines
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Six Ways to Set Budgeting Priorities
For some of us, budgeting is second nature. For others, it seems a nearly impossible task. There are just so many things to consider that it’s hard to decide where your funds should go.
Setting priorities makes budgeting much simpler. But even this is difficult for many household money managers. Priorities are somewhat subjective, and those within the household often have vastly different priorities. Here are some ways that you can make priority setting a little easier:
1. Keep first things first. When it comes down to it, there are only a few things that we truly need to survive. These things include food, water, clothing and shelter. Transportation and other things that enable us to work and continue to make money also fall into this category. These should always come first in the budget, although it’s always a good idea to do our best to save money on them.
2. Keep savings in mind. We all need to put money aside for emergencies and set up a retirement fund. It’s also wise to set up a college fund for each of your children as early as possible. But many families push savings to the side, and it often ends up out of the picture altogether. Putting money away prior to any discretionary spending is crucial if you wish to meet your goals.
3. Evaluate your debts. If you have none, you’re in the lucky minority. Most households have large amounts of debt, including mortgages, car payments, loans and credit cards. By paying your debts off as quickly as possible, you can save lots of money in the long run. And once they’re paid in full, you’ll have a lot more wiggle room in your monthly budget. Putting as much money as you can afford toward paying off debt will help you reach that point much faster.
4. Set goals as a family. Maybe you would all like to go on a nice vacation next summer. Get everyone involved in deciding where to go, then calculate your expenses. Get everyone involved in saving money for this goal. Not only will you get to go on a family trip, you’ll also be teaching your children about budgeting and teamwork.
5. Review your budget periodically. A family’s needs change over time, and if your budget is no longer meeting your needs, it’s time for a change. Once again, you’ll need input from everyone in the family to make this work.
Priorities are at the heart of a successful budget. By keeping them in mind, we can resist impulse spending and make progress toward our financial goals. And by getting input from the entire family, you can gain valuable insight into individual needs and encourage interest in working together to keep your finances in good shape.
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Frugal Living Tips on How to Save $500 This Month
Most of us feel like we live pretty frugal lives. We don’t imagine ourselves as big spenders – spending money on all the accouterments like Cristal Champagne, Jaguar convertibles, and 10,000 square-foot mansions. But our money trickles out of our pockets anyway, dollar-by-dollar, day-after-day, just buying the essentials.
With just a little more attention to where your cash is going, you can save around $500 this month without feeling the pain of deprivation. These suggestions will help you maintain the lifestyle you have, without making you give up those tiny little luxuries you enjoy. You’ll even enjoy some surprising perks! Let’s see how this works:
Shop your refrigerator
Run out of milk? Need a couple more slices of bread to make a sandwich? Instead of running out to the store (where you’ll certainly pick up more than just the needed one or two items), put off that shopping trip and dig into your refrigerator and cupboards instead. Get creative: Make a sandwich with English muffins or bagels, or create a wrap with a tortilla. Whip up a salad and put your tuna on top. Skip the milk in your morning coffee and save a few pennies, as well as a few calories. By delaying that trip to the store a day or more, you’ll save yourself big bucks at the end of the month. Avoid the store… avoid the impulse shopping. The bonus? Food doesn’t get wasted, spoiled, or forgotten when you’re digging deep into your refrigerator and pantry.
Go for the smallest size
Whether you’re ordering fries to go with your Big Mac, or ordering your favorite cafe latte, choose the smallest option. Sure, you might get a better deal by super-sizing it and the temptation is to get the most for your money. But, in the end, you are taking more cash out of your pocket when you buy a bigger size. The bonus? Think of the calories you’ll avoid!
Have a potluck instead of going out with friends
Instead of heading to your favorite watering hole to watch Monday Night Football, host everyone at your house, and divvy up the responsibility for drinks, main dishes, desserts, and snacks. No overpriced bar tabs, no tipping the waiter – just a lot of homespun fun. The bonus? New recipes to share and share alike!
Change in a jar
At the end of every day, empty your pockets, wallet, and the bottom of your purse of all your loose change, and place it in a glass jar. Those nickels and dimes add up fast! The bonus? Spending “found” money on something special is what this is all about. You can save up enough for a trip that you wouldn’t have thought about taking before – even Hawaii! I’m here to tell you that it can, and has, been done.
Go to the library
If you haven’t stopped by your local library lately, you may be surprised. You can check out the latest DVDs, attend networking events, and scoop up New York Times bestsellers – or hang out and read the latest issue of Sports Illustrated – all for free! You can save on movie rentals, book purchases, and more. The bonus? Meeting other frugal-minded people just like you with similar interests. The public library is the ultimate “social networking”.
Drink water
If you’re going out to eat, some of the highest-margin items on the menu are the drinks, whether soft or hard. If you’re eating at home, opting for water instead of soda or alcohol will still save you big. Opt for the ol’ H2O and keep your money in your pocket. The bonus? Your skin, liver, stomach, cholesterol, weight, and general fitness will thank you!
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