Little Tips on how to save money here and there?
337313
I get money taken out of my checking account every week into ING direct, and now all of a sudden I blink my eyes, its a year later and im SUPER RICH!  all it takes is consistency.  I am also part of an MLM that is making me extra cash that I put aside. Email me at pinkcinnamon3@yahoo.com if you wanna sign up!
100668
Budget. Figure out how much money you need to spend. Make liberal estimates, and save everything else. Then, little bit little, find ways to lower your spending (find better prices for the things you need, avoid extras like eating out, movies, etc).
938189
Figure out how much you make each month - take home, not gross. Figure out how much you owe each month. How much is left over? That is what you live on and/or SAVE and/or use to pay off high interest loans, credit cards, etc. If there is no money left over then you need to get better paying job or a second job.\n \nDon't spend more than you earn. Don't use credit cards unless you can pay off the balance each month. Clip and use food coupons. Ask yourself if you will be terribly inconvenienced if you don't buy *whatever*. Keep your car tires inflated so you don't waste gas. Carpool. No impulse buying. Go to the library and read books on bugeting and saving money.
1098836
work and dont spend.\nlive with a lot of freinds and split the bills.\nlive in a box. stay a way from things like phones and tv and the intenet. ac and heat. and ride your bike. go to the libary for fun.\nbe cheap. or get another job like mow grass deliver papers. if you know pepole who dont like to clean charge them.
124636
I am also a 27 year old female, and I've learned some harsh lessons about financial realities.  I'll share with you what worked for me.\n\nI have a binder full of lined paper.  On the first page of the binder I have a budget.  You may ask yourself, how does one create a budget?  \n\nThe way I did it was to first list the things I have a fixed amount I need to spend per month: Rent, Car payments, Magazine subscriptions, Car insurance.  Then I figured out how much I would need PER PAYCHECK to save for this (don't say per month - if you do this, you're setting yourself up for failure).  I need $400 per paycheck for rent, $200 for car, $50 for insurance, $5 for registration, etc.  ANYTHING you spend money on goes down on paper.\n\nNext, I put down the things I need, but that aren't fixed.  For instance, groceries, gas, car repair, health (SO very important to have a large reserve, as I recently found out).  I guess how much I'm going to spend on this per month.  Don't forget, that a budget is ALWAYS evolving.  You get raises, bonuses, and (hopefully not) pay cuts all the time, so be prepared.\n\nFinally, you need to have some money to yourself.  I seperated these into clothes, gifts, massage, and books for myself, but you can always change that around.  Put a fixed amount per check into these funds.\n\nHere's the most important part: RECORD what you're spending on the other sheets of paper.  If you buy a pair of shoes, that goes in the clothes budget.  If you buy a gallon of milk, that goes in the groceries budget.  I guarantee you'll be shocked by some of the purchases you make. (I was spending $500 on groceries for two people in a month - that's absurd.  I now REALLY watch what a shop for, and I make sure I'm not throwing things away because they got old - I use everything!)\n\nOk, now we're ready to set aside some money to save!  Generally people say to save 10% of your gross income.  With the above method, the car repair and health funds are sort of "oh no" accounts that you're not going to be touching unless you have a situation, so I count that as part of the 10%.  Aside from this, calculate 10% of your net income ($800 = $80) and have it direct deposited into a different account.  This should not be accessable by check OR atm card!!!!  Once you have about $2,000, you should be able to move it into a money market (some people call money markets "High Yield Savings Accounts") without having to pay any fees.  You'll earn about 2%-4%, depending on the rates at the time.\n\nDon't forget that you'll want to fund some sort of retirement account out of this!  Make sure you try to set asside the maximum possible into retirement accounts so you don't regret your misspent youth.  I'll let you know that I've done calucualtions that say I need 2 million (caluculating for inflation) dollars to retire at age 65.  Yes, that is $2,000,000.  I urge you to look for a program called "Smart Women Finish Rich" in your area.  You'll learn TONS from it, and hopefully be inspired to start saving money.
117972
put it into savings...my keep a little and shop for some clothes.
498567
Yearly take-home pay ~ $54.4K\nMonthly take-home ~ $4.5 K\nExpenses ~ $2 K <people never get this right so I double it>\nMonthly savings of $2.5 K.\n\nIf you can automatically have $ go from work directly into saving vehicles do so ... this will stop temptations.  You should pocket 40% for expenses & living <getting your date> ... and 60% savings.\n\n1.  Before you do anything else <except pay off all debt> ... Build up to $20K in Emergency Savings first <$2K * 12 = $24>.  I then tell myself I have no money when I deplete the account to $15 K. Then I change allocations, and make sure I always have this highly liquid stash. <T-Bills, CD's, Saving/Checking accounts ... safe & liquid>\n\n2.  Savings - After the safety account is established goals reached, then you need savings that are more risky but still liquid <make sure there are no penalties to get $$$>.  You can invest the money into bonds, mutual funds, or stocks ... what ever you are educated in and feel confident in.  This account is taxable so be mindful of that when you make investment decisions.  \n\n3.  Retirement - 401(k), SEP, ROTH, IRA ... See what you're company has for retirement.  If they match, then contribute what they match.  If no retirement is offered, then go to a broker and get their help.  You should be investing 10-20% of your savings here.\n\n4.  Housing - With only $1K in expenses I'm guessing you don't own a home.  I would look into buying a home <Loft, condo, town home> It's money well spent, and you can get great loans today <tomorrow the good loans will be gone>
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.
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.)
1040305
pay yourself first. decide how much you want to save and pay youself in savings first then pay your bills and have whatever is left over to spend.
168656
Rent a cheap apartment for a little while. During that time, save some money for a downpayment on a home. The more money you put down, the more money you'll save in the long run. The best bet is to get a 15 year, fixed rate. You'll save thousands of dollars in just interest alone.
186205
Tips? \n\nDon't take candy from strangers. Don't wear stripes with plaids. Don't buy stocks, buy mutual funds ... these tips are guaranteed good advice!
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.
607577
you can get a job and save money, that always works. don't look for a government hand out
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.
655841
You should write out a budget. Budget for everything. Bills, car payments, entertainment etc. And try to save a little every paycheck.
648890
Sacrifice...\n\nGet an inexpensive reliable car (like a used Honda Civic?) that will result in inexpensive payments, hopefully not break down on you, and even help you establish some credit. Establish a budget for everything else and stick with it (include "going out" money). And make sure you put money into a savings account FIRST. (many employers will automatically deposit your check into two seperate accounts) or you can set up an automatic monthly deduction from your checking account into your savings.