The end of the year always brings about a multitude of top ten lists, and I thought I would get a jump on 2009 with my top ten eleven tricks for saving money:
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Don’t go to stores unless there’s something you actually need. This one is big, as it’s really easy to find cool stuff to buy in just about any store. So just stay out. Period.
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Pull out all your utilities and really look them over. Is there a lower rate plan to go with? A quick call to a customer service rep can help you locate potential savings.
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Go through your closet and pull out any clothing or accessories that don’t get worn or no longer fit. Invite your friends over for a clothing swap and feed that craving for new outfits without spending a penny.
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Get to know your local library. Not only can you get books, but DVD’s, CD’s and audio books. Library websites make it easy to put materials on hold, and even have instant downloadable digital media available. And the best part of library websites is the ability to renew online. Gotta remember to renew.
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Bring your own lunches to work. This is a great way to get those leftovers eaten, plus you’ll save a bundle. And, when you don’t have to physically leave to buy food, your lunch break will actually last long enough for a little relaxation.
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Throw on a cardigan and turn that thermostat down. Start with a 2° decrease every week until you find your lowest comfort level.
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Be willing to give less expensive gifts or even give from what you already own. A book from your bookshelf or an admired household object is just as welcome as a packaged brand new gee-gaw.
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Be willing to not have all your belongings be the-best-of-the-best. There are no winners in the game of keeping up with the Joneses, and the ability to find happiness with where you are in life will serve you well.
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Become your own staff. Do you pay for others to mow your lawn, clean your house and prepare your meals? Don’t let yourself fall into the trap of thinking that these conveniences are a need. If your life is so overwhelming that you don’t have time to carry out your own tasks, then ask yourself these questions. Are you unwilling to be less than perfect? Are you so busy doing for others that you don’t have the energy or time to care for yourself?
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Cook from scratch and save restaurant meals for special occasions. Even a fancy meal cooked at home will most likely be cheaper than a low end restaurant meal.
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Join The buy-nothing-new Compact for the new year. Not sure if you can make a full year commitment to buy nothing new? Give it a one month trial and surprise yourself with what you’re capable of.
Do you agree with my top ten eleven list? Did I leave out your favorite money saver? Please share your ideas in the comments section below.
Please feel free to use the “share this” link below to share this list with others!
Katy Wolk-Stanley
“Use it up, wear it out, make it do or do without.”
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