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Money Saving Tips

Money Saving Tips

Bring Your Own Lunch To Work!

If you work outside of the home a great way to save a lot of money is to simply bring your own lunch to work.  To illustrate, if you buy lunch every day and it costs $5.00 – $7.00  on average for each meal, you are spending about $150.00 a month!   In fact, you’re probably spending more than that if you consider all the tax you pay.

 I know it can be somewhat tiresome and annoying preparing lunch in advance, but if your workplace has a microwave, an easy solution is to cook enough dinner each evening so that you have leftovers to bring as your lunch.  Another idea is to cook a large bowl of your favorite pasta, soup, or chili, and then freeze lunch-sized portions.  That way when you don’t have any leftovers you won’t have an excuse to buy food from the cafeteria.  There is also the option of buying ready-made dinners like Michelina’s, although you need to be careful as they often contain a lot of salt and can be extremely fattening!  Even if there is no microwave available at your workplace, you can still prepare a variety of sandwiches, vegetable salads, pasta salads, and wraps.

 There are health benefits to bringing your own lunch, too.  While observing the habits of my colleagues who generally eat from the cafeteria, I have noticed that most order the special – a single dish of fried perogies, a burger, chicken wings, or something else equally unhealthy.  By contrast, when I observe those who bring their lunches, they often have a healthy main dish accompanied by yogurt and at least one piece of fruit.  

 If making your own lunch is a foreign concept for you, I recommend trying it for one week to see how it goes.  After one week, if you decide to continue to eat at the cafeteria, try to at least bring some of your own healthy snacks to accompany your meals and when you order, be sure to choose healthy options.

Money Saving Tips

Don’t Do Your Own Taxes!

It's just not worth the headache.It’s that time of year again and although it is tempting to save a few pennies by doing your own taxes, it’s not always the best idea, unless you are a professional accountant.  I know there is software available online that can help you, but if you miss something important then you could lose a lot of money!  Accountants can make sure that you are maximizing your tax savings by taking into account every expense that is tax deductible.  Tax laws change over time so even if you knew what the rules were in the past you may not be as familiar with them now.  You may not want to pay for professional services, but it will be worth it in the long run.  If you do still insist on doing your own taxes, be sure to research the latest tax saving strategies and laws so that you can minimize the amount of tax that you pay.

Money Saving Tips

Cut Your Husband’s Hair!

He looks a little uneasy!Although I must admit I don’t really enjoy cutting my husband’s hair, it has saved us about $100.00 to $120.00 every year.   We purchased a haircutting kit for about $30.00 and have used it for almost 4 years.  The kits come with a razor, scissors, combs, and extensions of various lengths and can be purchased almost anywhere.  If your husband is satisfied with a buzz cut it makes it super easy.  If not, there are some really great demonstrations on how to cut men’s hair on Youtube using common haircutting kits.  Why not try it at least once?  I always console myself with the thought that my husband’s hair grows really fast so if I make a mistake it doesn’t take long for it to be covered up!

Money Saving Tips

Hello, My First Blog, and Me!

My name is Pam and my husband and I are both dedicated to being financially smart. We both work full time and it is our hope that someday we will be able to work fewer hours so that when we have kids we will be able to spend more time with them. We have discovered some simple ideas that have helped us to save our pennies for a rainy day, and we wanted to share them with you. We also encourage you to offer your own suggestions on how you save your money. We always appreciate learning new ideas. We hope that our site is helpful and encouraging, and maybe even a little entertaining!