If you’re like most people, you find it hard to save money. Maybe you’re trying to put aside a nest egg so you can make a down payment on a chunk of Grand Junction Real Estate, but you find there’s just, to use the time-worn expression, too much month left at the end of the money.
If you’d like to save a hundred dollars or more each month, there are three areas to work on.
This is the biggest area where you can save money, and there are ways to trim your grocery bill that are so easy you won’t even notice you’re doing it. And no, you don’t have to clip coupons. Forget the tired old idea that you’ll save by planning menus ahead. It’s better to shop the sales, and build your menus day by day according to what you’ve been able to buy cheaply. When you can, stock up – and don’t be a weenie about it. All stores offer what they call “loss leaders,” which are items they actually lose money on in order to entice you into the store. If there’s a staple, like rice or pasta, on for half price, don’t just buy a few bags – buy a few cases. And don’t miss daily markdowns – items that are getting a little old but still perfectly good to eat.
It goes without saying that you should pay down your highest-interest cards first. If you can, you might also consider getting a loan to consolidate your credit card debt at a lower rate. If you do this, though, get rid of the cards – it’s too easy to charge them up again.
The word on change is, don’t spend it. When you get change back, put the coins in a jar and count them up at the end of the month. You won’t even have missed not using them, and you’ll be amazed at how much you’ve saved.
These three suggestions are bound to save you money – at least $100 a month and maybe more. Start saving today!