Money Saving Tips for 2013
It seems that many new goals (or resolutions as many call them) for 2013 are to gain control over finances. There are some easy things you can do to help you save money this year. Below are my top 5:
1. Shop using rebate sites. When you shop on-line, you can actually end up being paid to shop. It may be only 1% or 2%, but those little amounts all add up rather quickly. There are a few out there, but as of this time, there is only one I would recommend — Ebates. If you sign up right now and spend $20 in a single transaction within 30 days of signing up, you will earn a FREE $10 gift card.
2. Continue using coupons and money saving sites. This may sound simple, but it is so very true. You may think that you are only saving $10 a week a the store – but that is more than $500 in one year….just from doing some clipping!!
You don’t even have to do a lot of the leg work for your deals. Just keep following your favorite deal sites (like Penny Pinchin’ Mom) and they will help you. Share this information with your family and friends so that they can get the most out of their budget as well.
3. Don’t buy it because it is on sale. This may sound contradictory to #2 above, but it is not. I find so many people buying items simply because they are on sale. If you are spending money on something you would not normally purchase, then you are actually spending more. A deal is only a deal when it is something you can actually use — otherwise it is just a wate..
4. Stick with cash. I know I sound like a broken record, but cash works. I have people say “I spend so much more with cash.” That is true – when you don’t make yourself responsible for accounting for it. By keeping cash in an envelope earmarked for your various expenses (such as groceries, dining out, clothing, etc), and keeping track of what you spend and what you have left to spend, you will actually spend less. When you have only $200 to spend over 2 weeks on groceries, it really makes you think twice about what you buy and you make sure that it is what you need and not simply just what you want.
5. Price Match/Comparison before you buy. There are so many stores which price match (even to on-line prices) that you can often shop at one store and still get all of the best deals. This can save you time and money! If your store doesn’t price match, do the research and check other stores and/or on-line retailers and find the best deal. Of course, when you shop on-line, make sure you are using a reputable site so your purchase is safe and secure.
There are of course many things you can do to save money, but these are five simple ways to do just that. What do you do to save?