Who doesn't care about saving money? People who don't have any. For the rest of us, it pays to do a bit of spring cleaning on our spending habits every once in a while. One of the most pernicious myths about saving money is the idea that cutting small expenditures won't make much of a difference. These little outflows add up quickly and make a substantial impact on our finances over time. Here's a list of 10 ways you can save money without breaking a sweat.- Stop buying designer coffee. It's fine for special occasions, but stopping at Starbucks every day on your way to the office can take a big bite out of your wallet. Either make yourself a nice travel mug of coffee at home, or get it free at work.
- Stop using the ATM at the 7-Eleven. Many people don't give a moment's thought to using that oh-so-convenient ATM and paying a couple of bucks for the privilege. Think about it...you take out $20 and pay $2 in ATM charges. That's 10% of your money you're giving away! Plan ahead and use your own bank's ATM. You'll save a bundle.
- Get regular instead of premium gasoline. The fancy-sounding names for that high-octane fuel really don't make your car any happier.
- Don't waste money on lottery tickets. Another name for them is a tax on the poor. Sadly, the people who can least afford them are the ones who buy them. If you saved that money and put it into an interest-bearing account you'll for sure win.
- Cut back on your cable package. Do you ever watch all those extra channels?
- Cut back on your cell phone minutes. Call up your mobile provider and ask for an analysis of your minute usage. You may find that you can easily get by with a cheaper package.
- Do not go over your minutes on your cell phone! You'll actually save money by paying for more minutes. (Better yet, cut back on the talking altogether.)
- Get rid of your landline. If you and your family members all use cell phones, consider ditching your landline.
- Take lunch to work rather than buying it. You'll not only save money, you'll save on your health too.
- Stay away from free trial offers. They're all designed in hopes that you'll forget to cancel in time and end up paying for the service.
*This article has been featured in the Carnival of Improvement!
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