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The decision to save money doesn’t have to be life-changing, or even costly.
It’s amazing how much cash you can save just by paying attention to how your money is spent. People routinely buy things they don’t really need or probably don’t want. It’s all about being conscious of where your money is going.
Here are some easy ways to save money this year.
1. Stop paying for recorded music
Thanks to the Internet, it’s now easy to listen to your favorite artists’ music whenever you want, without spending any money.
music streaming service Pandora and Spotify We offer free subscriptions in addition to paid subscriptions.if you are a member of amazon primeyou already have Free access to millions of songs.
2. Read books on your mobile device
Instead of buying traditional books or investing in an e-reader, you can buy e-books and read them on your existing mobile device or computer. How to do this is detailed in “This trick lets you read e-books without an e-reader”.
E-books are generally cheaper than print editions, and you don’t need to cull your hard copy collection as often.
Another great option for e-books is public libraries.
3. Raise your auto insurance deductible
Auto insurance pricing is all about risk. A higher deductible means you take on more risk up front, so you may pay less premium.
If you have an accident after increasing your deductible, you will have to pay a larger portion of the car repair cost. But an accident-free year is pure savings.
In fact, Stacy Johnson, founder of Money Talks News, in “How to Get the Best Possible Deal on Auto Insurance,” describes raising the deductible as “the easiest and fastest way to save on auto insurance.” called method.
4. Use a point card
As long as you pay off your monthly credit card balance on time, you should be fine using your credit card for your daily purchases. Some cards offer cashback rewards of 3% or more on merchandise such as groceries and gas. This allows for real savings over time.
One way to find the best credit card for your lifestyle and needs is to stop by the Money Talks News Solutions Center and use our credit card finder tool.
5. Ask about senior discounts
If you’re in old age, you can often save money on your purchase by simply asking about senior discounts offered by many businesses.
For example, see 13 senior discounts for those over 55.
6. Limit impulse purchases
I make a lot of impulse purchases. When you see something you want in a store, you get the urge to buy it, especially if it’s on sale. The problem is that after the urge wears off, you may find that you didn’t really need the item.
For help combating impulse purchases, see 11 Tips and Tricks to Avoid Overspending.
7. Improve your credit score
Your credit score is a reflection of how well you manage your money. A better credit score can help you pay less interest on loans and credit cards. Auto insurance premiums may also go down.
If you need outside help to overcome debt or restore your credit, check out the Money Talks News Solutions Center. Helps match you with a trusted credit counselor.
8. Reach for your sweater instead of the thermostat
Instead of turning on the heater every time you feel cold, try wearing a sweater. Even if you have to turn on the heat, wearing a jacket or sweater on cold days will use less energy and save money on fuel.
For more energy-saving ideas, check out 22 Mistakes That Make Your Utility Bills Soar.
9. Close the self storage unit
Self-storage can help if you’re temporarily short of space for all your belongings. Make sure you are not storing items you no longer need.
If you’re paying hundreds of dollars a month for storage and can’t remember what you put there, you’re in trouble. Consider closing the unit and pocketing cash. Or at least check out “Too much stuff?” 10 ways to reduce your self-storage costs. ”
10. Use coupons to shop
Coupon clippers have a huge advantage over shoppers who go to the store without their cost-saving arsenal.
As detailed in 7 Places to Find Free Maker Coupons Online, you can sort through coupons mailed to your home or find them online.
11. Get rid of landlines
You can save money if you let go of your landline and use only your cell phone. If you have a mobile phone, chances are you rarely use your landline. If that’s the case, why keep paying for a landline?
See Money Talks News for help finding the right cellular or wireless plan. wireless search tool.
12. Set up an automatic savings plan
Arranging for the money to be automatically deducted from your paycheck or transferred from your checking account to your investment account will make saving easier. And once you get used to having money deducted from your paycheck or checking account, you may not even notice the difference.
Be sure to choose a savings amount that ensures that you never run out of cash to cover your expenses.
13. Get a roommate
Whether you own or rent, having a roommate can significantly reduce your monthly living expenses. We often think of having roommates as something people do when they’re in college or when they’re starting to become adults. It is fulfilled.
14. Don’t buy a new car
Owning a shiny new car is great, but being the first car owner is an expensive proposition. This is because cars tend to depreciate quickly in value.
Instead, consider buying a slightly used car after someone else has absorbed the depreciation.
15. When grocery shopping, pay attention to the price per piece
It’s easy to get excited when your favorite food goes on sale, but the real way to identify bargains is usually by looking at the unit prices displayed on the shelves. It can be more expensive than the product. So don’t be fooled by the hype.