What's a good way to save money?
596907
Do things in the following order:\n\nMake sure you have an emergency fund that you can access equivalent to 3 months of expenses (not 3 months of income).\n\nPay off high-interest debt (if you have any).\n\nThen, if you have money that you won't need for a long time, you can take the following steps:\n\nIf your company offers a 401(k) with matching funds, participate in it up to the full matching amount (free money is good).  Put half into a total stock market index and half into an international index.\n\nFully fund your Roth IRA.  Use the same asset allocation as for your 401(k).\n\nIf that doesn't max out your savings, go back to the 401(k) and contribute up to the limit.
989931
Buy things with cash....don't pay interest (make your house the only exception)\n\nTurn off your lights\n\nBuy generic\n\nDon't spend money on things that depreciate quickly (cars, computers, etc)\n\nDrop your cable and high speed internet.  \n\nDon't buy DVD's.  Go to discount movie theatres, and use coupons.  \n\nI think the other question you can ask yourself is "how can I make more money."  Focus on decreasing expenses AND increasing income.
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!!!
350891
Use Bank Of America  Keep The Change Program.\n\nThis is how it works:\n\nIf you have a debit card or a check card, use it as many times you can during the day.\nYour debit card is used when you buy something, let's say a Coffee in Starbucks it costs $3.07 if you pay with your debit card from your account it reduces $4.00 to nearest thent. And the $0.93 cents that you have left goes for another account of yourse.\n\nIf you use it daily you can earn like $500 thru $1200 a year.\nSo that's a way to invest money while you're spending it.
1142289
thanx love saving money
721382
There are some excellent resources out there for saving money on a budget. \n\nLucy Lazarony with Bankrate.com has some excellent advice tailored specifically for college students:\n\n1. Track it\nTrack your spending for two to four weeks to find out where your money is going. Are four trips to Starbucks a week really necessary?\n\n"They don't realize how much they spend on little things," says Vickie Hampton, a financial planner and an associate professor at Texas Tech University in Lubbuck, Texas. "That's the most common revelation."\n\nMark Oleson, director of a financial counseling clinic at Iowa State University, adds, "Usually, just by tracking expenses, you'll start to curb expenses." \n\n2. Get a plan\nThe best way to manage your money over the course of a semester is to sit down and map out a budget. List sources of income such as scholarships, loans, money from summer jobs and cash from your parents as well as expenses, such as tuition, books and groceries. \n\n3. Good time money\nIf you know you need to buy a new CD or go to concert or a party every week, make room for that in your budget. \n\n"You need some entertainment," Hampton says. "A student is going to get really burned out if you don't do anything fun."\n\n4. Pace yourself\nIf you spend, spend, spend at the beginning of the semester, you could be tapped out later. Give yourself a spending limit for each week. Stick to it and you won't have to eat macaroni-and-cheese every day in December.\n\n5. Go easy with the credit cards\n"One quick way to spend beyond your means is to charge it," says Mallary Tytel, president of Healthy Workplaces. \n\nUse credit cards sparingly. Once you get into the habit of reaching for a Visa, it can be hard to stop. \n\n"I saw a student pick up a bag of chips and charge it," Tytel says.\n\nWho wants to pay interest on a bag of Doritos?\n\n6. Set your own credit line\n"Just because you have a credit card with a $2,000 credit line doesn't mean you have to spend $2,000," DiSpirito says. "If you know you can only pay back $500, then just spend that."\n\nAfraid you'll spend as long as there's room on the card? Call your credit card company and request your credit limit be lowered. Keep at it. Card companies will try boost up your credit lines so you spend more. Tell them "no" each time they try. \n\n7. Get real\nYou can do what you want, but you can't do everything you want. You're going to have to make some choices. Whatever you choose is going to cost some money. Be realistic. \n\n"You need to understand you can't have everything and you have to understand there are consequences," Tytel says. "At some point there needs to be a reality check in terms of what things cost. Most kids have no idea."\n\n8. Stuff happens\nIf you bust your budget on something you really, really want to do this week, make up for it next week.\n\nIf you find that you must go out to dinner and a movie one week, spend the money; be satifisfied with the decision, and commit to staying home, eating at home and not making any other purchases the following week.\n\n9. Look ahead\nWhether it's a road trip with friends or an auto insurance bill, if you know a big expense is coming, start putting some money aside to pay for it.\n\n"It's a lot easier to set aside $50 every month than to come up with $300 when the bill is due," Oleson says. \n\n10. Get in touch with your roomie\nContact your roommate before the semester starts and divvy up expenses. Chat about who will bring a refrigerator and who will bring a microwave. \n\nThis way you avoid duplicating purchases and excess spending, but will still have all the conveniences to make college life easier.\n\n11. Spread it out\n"Most of the big expenses are at the beginning of the school year," Tytel says. "Buy books as you need t
1002519
The best thing I did to save money is own my own home.  It's paid off as well as any debts a person would normally have.  This has allowed me to have my paycheck for my own use.  I've built on to the house using money earned one week at a time.  To get like this I cook my own meals, bring my lunch, drink homemade tea instead of soda.  I shop carefully and buy used when I can.  I live well at 7.15 an hour part time.
1088604
you can open an online savings account with an interest rate of 4.75 with citibank, or 4.65 with hsbc or emigrantdirect, it's a little lower than one year cds but you can get your money right away without penalty\n\nhave enough money in this account (about 3 months worth of expenses in case you lost your job) and the rest in cds
1144267
start saving from today
1116708
set up a budget and stick to it, save a certain amount of money a month and just do your best to stick to that budget and someday you will be free, winning the lottery can help too
707091
First, whatever you save, don't take out for whim purchases (try to keep it to true, true emergencies).  Keep putting in as much as you can afford and when you get your tax refunds back in April/May (based on your salary, I'd say you'd be due for a refund from the IRS and perhaps your state too), don't spend that money, save it (as you never has access to the money in the first place).\n\nGMAC Bank (primarily online, FDIC insured) offers 5.16% interest on their Money Market Accounts (MMA) with roughly a 5.25% Annual Yield (this varies as they change up their interest rate when the Feds do).  They won't slash your interest after six months (or after a certain period of time) although you need to keep a Daily Average of $500+ with them.  It's also a great vehicle to prevent spending since you get charged $10 for every withdrawal over the limit of three (3) you make in a month although you're free to deposit as much as you like whenever you like.  You can set-up automatic bank-transfers and direct deposit very easily.
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.
147887
I think saving 10% is a good idea.  Of course, this would be a minimum; there's no need for a maximum.
259445
umm get a job and save ?
193873
Start by making a budget and stick to it you can not save money by accident you must do it on purpose. I think the best way to start is in a book written by Dave Ramsey called Financial Peace. He has written several books but that is the first and very good "More than enough" is his second book and very good also if you like the first. His books are available in any book store and many library's. Good luck to you.
655841
You should write out a budget. Budget for everything. Bills, car payments, entertainment etc. And try to save a little every paycheck.
332588
shop around, cut coupons, check for sales, only but what you need (that means no trendy crap) make food to take to work for lunch.  dont buy a new car, a good $3-5k car works just as good, look for a cheaper place to live, dont buy anything new, turn down the heat if you pay for it and dont run the AC in the summer.  \n\njust to name a few