how can i save money, for real?
155763
1. Always pay yourself first. Take out some percentage of your pay on an automatic savings plan. You never see it, you never miss it.\n\n2. Before you start saving, make an investment that will pay between 15 and 25%. Pay off your credit cards. Not worth saving at 5% when you have lots of credit card debt.
767342
im 24 now, ive been really saving since i was about 19... try using Microsoft Money. Its personal finance software. It lets you keep track of your income and expenses. you can create a budget... and once you do, you'll see where you spend your money and you will realize what is important and what is not. when i started using that software, it got me more and more excited about money because you see what is coming in and going out.
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.
62130
Yes. Saving is not about Big Numbers. It isn't even about Little Numbers Across A Long Time. It is about Consistent Numbers Across Any Time.\n\nSaving money certainly involves "not buying stuff." But this view is far too narrow. So long as saving is equated with sacrifice it will be an uphill battle to save. Having day-to-day life that is as stress-free as possible is very important. Continual sacrifice and stress-free living clash harshly for many people. Some people focus on changing lifestyle-related choices, sometimes called the "latte factor," as a method for realizing day-to-day savings. I agree that this is good advice for some people, but as a first step it isn't necessarily the most effective. There are other things that can be done, too.\n\n1. Reduce monthly fees. Stop paying banking fees for services you don't use or don't need. Many banks charge monthly "service fees" or "maintenance fees" for checking accounts. If your bank offers "free checking" or "free checking with Direct Deposit" (and you have Direct Deposit) switch your account, or find a bank that does offer "free checking." Even the smallest leak in any plumbing system will eventually collect enough water to fill a bathtub, so to will even the smallest recurring monthly service fee eventually steal one month's rent.\n\n2. Detemine a reasonable monthly budget. It is important to know "where it all goes." Rent, utilities, cell phone, car payment, insurance, groceries. There is no doubt these numbers exist, but most importantly nearly all of them can be known in advance. Some of them can't be known exactly, but they can be estimated. My advice is to estimate unknown amounts not for the sake of accuracy ("The cell phone bill is usually $40.00 per month."), but for the sake of certainty ("The cell phone bill has never been more than $80.00 in any month."). In the beginning of making and using budgets, budgets work best when costs are overestimated rather than underestimated. It is far less uncomfortable to have "too much" money left at the end of the month than it is to have "too little" left over--and bills still to be paid, at the end of the month.\n\n3. Begin saving automatically. If your employer offers Direct Deposit, and you can open a "free checking" account (with or without Direct Deposit), use this financial automation to the maximum. Open a second checking account. Then contact your HR department to request that your paychecks be split across your two checking accounts.\n\n4. Separate paying bills from saving and investing. Use your primary account for all monthly expenses: rent, utilities, food, car payments and pet food. This is your "Cash" account. The second checking account is dedicated for saving and investment purposes. You won't draw funds from this "Investment" account to pay bills. That isn't what saving is about. Saving is about having money available to fund medium-term and long-term goals. Things like retirement, paying college tuition or buying a home. The "Investment" account will drive all of your automatic saving and investment mechanisms. Similar to Direct Deposit, Automatic Withdrawals can be scheduled to transfer funds from your "Investment" account.\n\nHere is how to implement the above steps.\n\nLook at the ING Direct website. ING has savings accounts with excellent interest rates, without no minimum required balance. In addition look at the Vanguard website. If you don't have an IRA, 401k or any other kind of retirement account Vanguard has the lowest custodial costs ($10.00 per year) and lowest minimum required balances (usually $3,000.00) of any financial services company today. Accumulating enough money to open an account with Vanguard may take some time, but getting started saving with ING Direct is something that can occu
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.)
1180190
pay month to month\nthe finance charge is already figured into your monthly payments...it would be silly to pay it all off with savings
550013
Work hard, live frugal, invest your money.  Also, if you feel you're up to it, you could open a business (but still live frugal and work hard).
957392
To me the best way to save money is put aside some amount every week systematically you can't miss one deposit, then forget about that money is there, there is no other way around unless you have several thou to play with..☺
964485
multiply .10 by the total amount you want to save then when you calucate it out, that should be your saving amount. Ex. I want a $100 leather jacket and there is a sale for 10% off multiply $100 * .10 which is $10 so you would save $10.
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.
429289
Set up an automatic deposit for part of your paycheck to another account, other than the account you pay your bills from. For example, set up $100 of every paycheck to go to a savings account (one that you don't check on at all) automatically. If you don't see this $100, then you don't spend it. It's a nice and easy way to save 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.
30187
Pay off those charges, especially if your interest rate is over 10%.  It's always good to have some money in savings, but if you want your money to go further, get rid of those charges, it's like paying a middleman for an item purchased for YEARS!!!
117972
put it into savings...my keep a little and shop for some clothes.
14234
Try saving $1000 per month for 15 months.  If that's too difficult, try saving $230.77 per week for 65 weeks.  If that's too difficult, try saving $32.90 per day for 456 days.  If that's too difficult try saving $1.37 per hour for 10944 hours.  If all of these are too difficult, the problem is that you are a woman...instead try buying $30,000 worth of shoes at half off.
566194
Could you provide a little more detail please? The approximate amount that you are short by?\n\n\n\nOne good way to start is to start saving. That sounds very obvious, but please hold on. In the US there is not much emphasis placed on saving, no one teaches you how to save. Small things go a long way, for example a coffee everyday costs you $100 a month depending on where you live: so dropping that habit saves $100! And its good for your health and heart. Smoking is another example, but unfortunately its harder to let go. \n\nSaving on fuel: try using the bus for medium distance commutes. Its not bad, trust me! I take the bus to work everyday. I get my commute done in $40 per month.\n\nYou pitched in to help your family, so its time for them to help you back. Don't hesitate to ask them to babysit your kid once in a while. That I believe saves a lot. If they don't, or if you think they are neglecting your kid, its time to break that parasitic relationship.\n\nTry looking for a job that permit you to work from home, so that you don't need a babysitter. Anything that involves typing for example. But beware of internet job sites, a majority of them are hoaxes. For example, the secret-shopping thing is a hoax 99% of the time. If an offer sounds too good to be true, it is probably not true. \n\nIf you have a kid old enough to do math, it is good idea for you and him/her to let him/her calculate your credit vs. debit everyday. Initially it may be cumbersome and more tiring than doing the darn thing yourself, but it pays off in the long run. Maybe you can ask him/her to sit down while you are cooking, and you recall today's expenses and earnings. He can enter them in two columns, add entries in each column and subtract to give nett daily savings. My mom did that to me :-)\n\nhttp://answers.yahoo.com/question/;_ylt=AtScV0GM2DTZVRGW1tmxxuYezKIX?qid=1006050319925\nlooks to be a professional answer.
209596
Save up for a few days..... but for what??? is this a macho thing???