If you want to save money on your electricity bills as well as be environmentally friendly, there are a lot of creative ways to do just that. Some good tips include buying energy efficient appliances, avoiding rinsing dishes before putting them into the dishwasher, and turning off fans, TVs, and computers when you are not using them.
Browsing Tag
Money Saving Tips
While I was sitting in a waiting room the other day waiting for an appointment, I browsed through the April 2010 copy of Chatelaine magazine. I found an article about how women’s products are generally more expensive than men’s products. The article was specifically talking about hygiene products such as deodorant, body wash, shaving cream, etc.
The author of the article stated that for the most part, women are willing to spend more on hygiene products so stores jack up the prices accordingly. The author’s suggestion to women is to check out the men’s products before making their purchases. If they can find an unscented men’s product that is the equivalent to the higher priced women’s product, then they should go ahead and buy the men’s version.
My husband I recently purchased a D-Link gadget used for network storage. It was priced at $195.00 at the Future Shop located within a short driving distance from our home, but it was only $165.00 at CBIT, which is located across the city from us.
Before making purchases for such items, my husband does research online. He compares prices and quality of various brands to make sure he gets the ‘biggest bang for his buck’. Although we knew that it would cost more at Future Shop, we decided to print out the CBIT advertisement and see if Future Shop would price match, sparing us from having to drive across the city.
We can all come up with excuses for not doing things we find distasteful. For some people, saving money is like a dreaded chore and they make up all kinds of excuses in order to avoid saving. Here are the top ten excuses for not saving money:
1. I can’t afford to save money. Actually, instead of thinking this way, you need to understand the importance of paying yourself first. Before the bills get paid and you buy that new gadget that is being advertised on television, tuck away a small amount each month or each paycheck towards both your retirement savings and your rainy day savings.
2. I want to enjoy the here and now and not worry about tomorrow. There’s nothing wrong with enjoying the present, but you don’t want to do so at the expense of your future. You need to make sure that you are properly saving for your future and not getting yourself so deep in debt that you won’t be able to dig yourself out.
3. I’m not good with money so I just can’t seem to save it. This is a money script that is harmful. You need to change the way you think about money. After all, money is just a thing. You can be in control of your own money, it should never have control over you.
If you think your bank is costing you too much money, then now is the time to look at ways your bank can help you save money rather than spend it. Although there will always be bank charges and fees, there are ways to save money using banks and make the most of their services. Here are some tips about how to cut down on bank costs and save yourself money.
Savings
One way to save yourself money through your bank is to open a savings account. If you have a fair amount of money in your current account, then transferring it to a savings account with a high interest rate is a good idea. Having a savings account does more than just save you money; it earns you money. The interest generated from a savings account means that you are making money from the money that you store. However, you should remember that many banks charge a fee if you go below a minimum amount in the account, so keep track of this in order to save yourself money.
ATM charges
Another way that you can save money when banking is to use free ATM machines. Some ATM’s charge you a fee to take money out, either for the convenience of because the ATM does not belong to your bank. If at all possible you should stick to ATM’s that don’t charge you money. If you do this regularly then you could save yourself ?100 a year or more.