how do i save money easier?
110431
put a little aside every day. i just took $5 out of my wallet everyday, before i left for work. if you do that for a week then you have $35. for a month that's $150. if you do it for a year then you have $1825. it may not sound like much, but it worked very well for me.
651774
so write an essary on ways to save money\nI hope that you don't want somebody else to write it for you \n\nhere are some web sites to give you a start:\nhttp://couponing.about.com/od/groceryzone/\nhttp://www.simpledebtfreeliving.com/grocerysavings.html\nhttp://www.fineliving.com/fine/rejuvenation_essentials/article/0,1663,FINE_1422_2329190,00.html
844291
The only path from struggle to wealth is to spend less than you make, it really is that simple.\n\nIf your boss came to you tomorrow and said "I can either lay you off or give you a ten percent paycut, your choice...", most likely you would take the paycut.  So give yourself a paycut! When a check comes, regardless of the bills and the rent, take ten percent off the top and invest it in a broad market fund.  (Something like 'Spiders', maybe...)\n\nPay off all your debt (smallest first until it's gone, then the next, etc.)\n\nDon't amass any more debt.\n\nNever drive a new car.\n\nNever pay for coffee someone else made!
167132
You dont really have to get too technical here. Just keep a notedpad handy or a piece of paper in your wallet/purse and write down how much you spent and what you bought on all your purchases. Thats it. If you want to get fancy you can categorize them to bills, gas, food etc.... Keep it simple. Usually after a month you realize where most of your "lost" money is going.
363439
If you're a home owner, the best way to get your hands on money is to cash out some equity in your home.  It's your money (from one perspective) and the rates will be about the lowest available on a loan.\n\nI caution you though, borrowing more to pay off your debts isn't the solution; replacing the financial habits that got you into debt with more healthy financial habits IS the solution.\n\nIn general, people in debt live on 'if-come'; they spend more than they make.  To fix the problem, you have to begin living on less than what you make, creating a surplus of discretionary income each month that you can use to pay back the money that belonged to someone else (banks in most cases) that you already spent.  In the meantime, they continue to collect interest on the money that you spent that wasn't yours.  It's a nice business considering how many people today don't see it for what it is.  Watch TV for half an hour, there will be plenty of companies just itching to make you a consolidation loan.\n\nIf home equity isn't available to you, shop for a consolidation loan with the lowest APR available and make yourself a promise to cut back on your expenses and pay the money back.  Get tough with yourself and decide what you NEED to live, and get rid of the things that made life more fun; they cost money that you can use to get out of debt.\n\nIn short, whatever your income is, it is.  Learn to live on it or find a way to make more of it.  Continuing to spend money that isn't yours is just going to keep you in debt, if not dig the hole deeper.
684161
Spend less and save more.
679388
If you are able to save $400 a month you are well ahead of most people.  GO talk to a financial advisor.  \nAt the bare minimum you can invest that into a CD and get 4% interest compounding.
127482
Start by saving small amounts, maybe the change you have in your purse after any purchases. If you use shopping coupons try saving what the money you saved from the coupons. If you work, try setting up a savings account where your employer deposits the money into your savings account. You might find that if you don't see the money, you  might not spend it. If you can get by with a small amount of savings try increasing the amount and see how that works. If you get a large tax refund when you file your taxes, have your employer adjust your witholding to a lower amount and try  to save the difference. Once you get in the habit of saving you will have success.   Good Luck!
238744
You need to put yourself on a budget! Budgets are the only way to save money. Look at your income, look at your expeditures. There's not much of a difference, is there? It's really easy to start a budget. Write down the things you need to buy, as opposed to things you want to buy. Arrange these things into categories, i.e., groceries, gas, insurance, cell phone bills, utilities, rent, etc... Pick a reasonable amount of money that you will spend each month on each categorie. For example: groceries $150, gas $60, cell phone bill $50. Don't leave anything out, and don't spend more than what you said you will spend. If you go over in a category, you must take from another. If you decide that you will spend $45 dollars on your cell phone bill, but the bill is $50, you'll have to lower your budget for another category by $5, just for that month.\n\nLook at what you have left. Let's say you made $5,000 one month and budgeted your necessary items at $4,500. You have $500 dollars left that you can blow on anything, but you haven't saved any money yet. You need to decide how much you're going to save. I would suggest all of it. But you can budget in things like going to the movies and buying CDs. Save what you have left. WRITE EVERYTHING DOWN! get a ledger book and write everything down. after a while you're savings will be phenominal!
475592
okay, I don't really know what you spend, but here are somethings to check:\n\n(1) cable, get rid of it if possible (or get the cheapest deal)\n\n(2) cell phones, get rid of them if possible or ditto.\n\n(3) gasoline.  Try to limit driving, so you could maybe shave off $5 or $10 a week.\n\n(4) get cheaper car insurance, if possible.  If you haven't had an accident in 5 years, you can ask your company right now for a "best driver" rate.\n\n(5) don't leave any appliances (TV, computer) or lights on when you are not using them\n\n(6) If your health insurance is expensive, you could also shop around\n\n(7) And if you got a refund from taxes this year, you could change your withholdings so that you can get more out of each paycheck, instead of waiting until the end of the year.
235800
•use your car as little as possible. sell it, if practical.\n•cook all or most of your food from scratch. (cook ahead and freeze if your time is at a premium.) processed food is always more expensive. \n•evaluate what beauty products you need or can give up. (most of them are strictly consumer products that are unnecessary if you think about it.) \n•go vegetarian--meat is very expensive. \n•when you have the urge to buy new clothes, always go to the thrift store or Goodwill first.\n•get a breadmaker, and always bake your own. \n•insulate your home. (there are often agencies who help with this.)\n•wash and re-use baggies until they break down.\n•entertain at home (dinner parties, rent movies) rather than going out.\n•buy used, whenever practical.\n•use less than the recommended amounts for most products you buy. (for instance, i recently found out that a much smaller amount of powder laundry detergent works just as well for most types of loads. this also applies to shampoo, toothpaste, dish soap... they want you to use as much of their product as they can persuade you. it's mostly a scam.)
1111900
YES....make a list of everything that you spend money on during a week or a month.......\nBE TRUTHFUL!!! list everything, and how much it costs......\nThen look at the list, and decide what things you can do without, you will easily find a few dollars here and there....\nA long time ago, i realized i was spending a lot of money (not to mention getting fat) going out to lunch at work...now i pack a lunch, which saves some $$$ and also is healthier.
749494
Spend $100 on something you want/need.\nSpend another $100 on something stupid (go crazy with this one...once in a lifetime thing)\n\nSave the rest.  Put it up somewhere like you didn't even have it until some time comes along when you really really need money.
234432
Try getting a job and saving the money.
1075661
You need to make certain sacrifices. Give up school or give up the car. Or you can try to get a student loan and pay it off after you graduate.\n\nTo find ways to save money, I suggest budgeting yourself and cutting back on spending.
1142289
thanx love saving money
1078769
1. Make a list of the things you need.\n2. Carry a limited amount of cash.  No credit cards!!\n3. Put a picture of something that means alot to you or something thatyou're saving up for, like on the fridge or IN the fridge or on the cover of your wallet.  Believe me, this works.  \n4. Put your extra money in a savings account that you can access only through the year. \n5. Take your extra stuff to a place that will give you money for stuff that's in good condition.  In South Carolina, it's called Plato's Closet. Or, take them to Goodwill or give them to a charity that shipps clothes and other stuff overseas to third-world countries.