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Your money will work for you.readtoawake. it is not important how much you earn but the important thing is how much you save. one family earns $35000 per year and spends all the money. Success means different to different people.INTRODUCTION We all want to become successful in our life. According to you. If you want to become financially security in your life then you must not only earn more money but also learn creative ways to save more money. The society in which we are living encourages us to go for shopping and to buy new products that are changing with a fast speed. which family will become financially secure? You are right. a beautiful car. Your computer. Another family earns $35000 per year and saves $10000. 2 . For many people success means having a big bank balance. This consumerism system wants us to spend all the money that we earn every month. vacations and financial security. The second family that saves $10000 per year will become rich. cell phones and other electronic products become old and sluggish just 2 years after buying them. For many people earning more money is easier than saving more money because we are living in the consumerism era. So let me repeat once again. But if you want to become financially free then It is your prime duty to save some money every month (ideally 10% per month) so that in future you can live happily even if you don’t work. Let’s us look at this example. a big home. Provided by: www. It is not important how much you earn but the important thing is how much you save.com Pag.
entertainment and household expenses. If you earn $2000 per month and you decide to spend $500 on your household expenses then don’t spend more than $500 on household expenses. 3 . car. In this book. If you follow this single rule. Whenever you buy something.If you are reading this little book it means that you are really serious about your financial life and you want to achieve financial Freedom. Write down every expense that you make everyday for a couple of months. education. Then after a couple months check this notebook to find out where your money is going. So let’s start… 1. they end up buying two or three more things than they actually need. Before going for shopping. Provided by: www. make a list of the things that you want to buy and stick with that list. Track your expenses. you will be amazed with the reduction in your expenses. I am going to reveal 50 effective ways that will unquestionably help you to save more money. 2.com Pag. Because in the supermarket there are so many products that attracts you and you feel pressured to spend your hard earned money on buying the stuff that you actually don’t need. A part of all you earn is your to keep and if you cannot save money. write it down on a small notebook. The first rule is make a Budget. You should write down how much you spent and what you bought with the proper date.. 3. This technique is very effective to reduce unnecessary expenses. Clement Stone. Usually when people go to the supermarket. the seeds of greatness are not in you – W. You should know exactly how much you want to spend each month for rent.readtoawake.
6. My advice is that you should read some of the best financial books in that time to improve your financial life. It will reduce your electricity bill. When you get your pay check. If you spend all your money before the month ends.readtoawake. By watching less TV. Open an saving account in the bank that pays you 1% more interest on the current money in your account. It will also save your time of going and returning from the gym. 7. Provided by: www. Note: you should also check bank fees and other expenses. 8. Let’s say you have $5000 in your account and your bank pays you 1% interest that equals to $50. you will watch less advertisements and you will not get influenced by those advertisements and you will buy less things when you will go to shopping. Always pay with the cash. Cancel the membership of gym if you don’t go there regularly. Never pay with credit cards or debit cards. 5. If you shift your account to another bank that pays you 2% interest you will receive $100 on your savings amount of $5000. Next month you would surely prefer to spend less money instead of going to bank second time. It will save you money and time. Withdraw the money from your bank that you need for the expenses of that month. don’t pay with debit card instead go to the bank to withdraw more money. 4 . Instead you can go for jogging in the morning and do some health exercises at home. You can do some creative work in that time.4. Drink more water instead of wasting your money buying cold drinks that spoil your health. Turn off the television.com Pag. You will feel fresher and more active after drinking water rather than cold drinks.
I am not saying that you should not buy these expensive items. DVDs. Technology is changing very rapidly. At first. Cds. Don’t spend your hard earned money on the things that ruin your health. electronic items and furniture that you don’t use anymore. 11. Organize a party at home on anniversaries instead of going in the expensive restaurants with friends. Buy if they are necessary but before making a purchase wait at least 15 days and compare the price with other similar products and in the other shops.com Pag. Give up expensive habits like cigarettes and alcohols. you can sell them and get some money. 12. you can also create a business on EBay of buying and selling other people’s stuff.9. Sell the stuff you don’t need anymore online on the www. new computers and other electronic products every year. You should try. try to sell small items on EBay and slowly as you learn. 5 . We feel compelled to buy new mobile phones. Provided by: www. If your health is not good you will not be able to earn money so take care of your health and stay away from cigarettes. New products are coming out everyday. Prepare some good meals for your friends and you can enjoy more openly in your home rather than going out. 10. 13.ebay. There are many people who are doing it successfully. Borrow a cooking book from library and prepare a good dinner on the weekends instead of going in restaurants and paying huge bills. alcohols and drugs.readtoawake.com For example books.
Whenever you want to give gifts to your friends or relatives. Just read your car’s manual to see what is the recommended air pressure for tires . It is easy. 19. your family will get money from insurance company. You can use this technique with other holyday gifts as well. I know that life Insurance is very important in case something happens to you.14.com Pag. Then try this method. Your friend and relative will appreciate these gifts more. Provided by: www. When you will make these gifts by your hands. If you eat your lunch out in the working days. It will reduce your medical bills. Keep your hands clean before cooking and eating the food. 6 . 17. Life insurance is not an investment. you should invest in some good index based mutual funds. it will increase their value. then go to the gas station and air them up. too. you can improve your gas mileage at least 5%. Buy the Gifts of Christmas in the January when they are on sale and sellers desperately want to sell those products instead of placing them in the store for the next Christmas. By just airing up your tires every month. try to create gifts at your home in your spare time instead of buying them from market. The difference of costs. as the virus will not enter into your body and you will not get sick. 16. Air up your tires.readtoawake. bring your lunch from home at least for two days per week. 18. 15. So cancel your traditional life insurance policy. But I recommend that you should buy the term-insurance plan. It costs you much less than traditional life insurance policy and your family will receive the same amount.
These are more expensive than normal bulbs but consume less electricity. In the long term you will save money with these Led Bulbs. If you buy generic brand products. 24. 22. wait for another 1000 kms and change the oil after 5000 kms.com Pag. You will be more tired when you will return home after a long trip. you will spend most of your time and money just in travel. When going on vacations don’t go to places that are too far from your hometown. The most important thing about using public transport is that you don’t have to worry about car parking. 7 .readtoawake. Buy the generic store brand items when going for shopping instead of buying the expensive branded items that you watch on the television. Mostly the only difference in both products is the marketing. You should find a good place near your home town where you can spend some good quality time with your family and you can return relaxed. you will find your grocery bill smaller. 23. Install the LED bulbs in your home. Provided by: www. If your car dealer tells you that you need to change the oil of your car after 4000 kms. Don’t use your car when going to the places where you can go with the public transport. Thus you will help reducing the pollution of your city and you will also reduce your gas expenses. 21. Thus you can save some money. But if you go too far from your home town.20.
27. You will be amazed with the results. Put the temperature 2° below your desired temperature. If you buy a lot of clothes and spend a lot of money buying new clothes every month then try this method. saving you money on your energy bill. 8 . Install a programmable thermostat. press them carefully and wear them for at least two more time. A programmable thermostat can easily cut your energy bill by 10 to 20% and it is surprisingly easy to install. Pay your electricity bills and internet bills online. when you go to pay for car insurance or car repairs. For examples. If you are interested.25. Whenever you pay for something always ask for discount. it allows the heating or cooling to turn off for several hours. Library is like a gym for the mind. when you are not at home. 29. 28. You may get discount by paying bills online as you are not wasting stamps. wash all your old clothes.readtoawake.com Pag. These devices regulate the temperature of your home automatically according to the schedule. If you were used to wear blue jeans with white shirt then this time wear the same jeans but with a different shirt. You can also borrow cds and DVDs. Whenever you have time and you want to gain some wisdom go to Library. You will also save time by paying bills online instead of going there to pay them. 26. Thus. papers and the time of the employees who usually do this job. Try to mix and remix your clothes this time. you can also read newspaper and magazines for free. you set. ask for discount! Provided by: www. You can borrow some really good books for free.
mms offers or web access offers. You should plant some beautiful flowers and vegetables in your garden. It will help you to reduce your household expenses and improve your health as you will eat fresh vegetables. If something is broken or doesn’t function properly. At first it seems an expensive tip but let me make it clear that you can save big money by buying food products and meat when they are on sale and by preserving them in the bigger freezer. you get some products for free. Call your cell card company and ask them to deactivate the services that you don’t use for example. you will end up with a bigger grocery bill for sure. try to do yoga or meditation. When you go for shopping to buy the grocery. 33. Don’t go to shopping for entertainment otherwise you will surely spend money on the stuff you really don’t need. So just avoid the collection of points. Instead when you feel stress. 34. Shift into a Smaller apartment that has garden but where you will have to pay less rent. 9 . when you make a purchase of $5 you get 1 point and after 100 or 150 point. If you start collecting those points. 32. Provided by: www.30.readtoawake. 31. There may be some services that you are paying for but you don’t use them. don’t collect the points that they offer you.com Pag. 35. Check carefully your cell phone bill. Try to fix it yourself instead of calling technician or replacing them with a new one. For example. It is a trap. You can also go for a walk with your family. sms. Buy a bigger freezer. Gardening is a great hobby that help you to attach with the nature.
shampoo and toothpastes. Do you have a lot of unread magazines in your home? If the answer is yes then call the magazines subscription department and cancel the subscriptions immediately. you may buy the same products at a lower price. For example the products like coffee. 10 . In this case.36. Then buy your grocery from that same market regularly. detergents. Cancel the subscription of magazines. Most probably. find the right one that offer you good products at lower prices. you should buy branded product that costs you $ 20 per year. 38. 37. Provided by: www. For example if you have choice to buy a branded mixer grinder that costs $100 and has guarantee of 5 years and one similar product of a generic brand that costs $60 but has guarantee of only 2 years. Sometime you should pay more and buy the branded products. You buy the products from that market without even knowing that in a different supermarket. After visiting different supermarkets. Buy the items in bulk at least for next 3 months that you use regularly and when they are on 20% discount. you go in the same supermarket every week. Try to find a cheaper supermarket to buy grocery. My advice is that you should search for a cheaper market near your home.com Pag.readtoawake. 39.
A clean air filter can improve gas mileage of your car at least 5%. Pack some foods before you go on vacations. if the price is same. Slowly it will become your habit. 44. You should try to preserve that food in freezer. Don’t spend money each month buying expensive toys.40.. Give them your time. When buying a car. you will save at least $200 per year. play with them and help them in finishing their home work. saving you more than $100 per year. you can eat that food.com Pag. if you choose a car with 25km/l over a car with 20 km/l. wake up a little early at least for two days and prepare your breakfast at home. The thing that they need most is your time not expensive toys. You will start enjoying having breakfast at home rather than spending 3-4 dollars in the bar every morning. Let’s say you want to drive the car for 15000 km per year. 11 . It is an easy job to do in few minutes. Many people throw the foods that is left after eating. choose the car that consumes less fuel. 42. Provided by: www. Buy some good educational and less expensive toys on special occasions. 43. Clean the air filter of your car regularly. If you have your breakfast in bar while going to your work then here is a nice advice. 45. Prepare some good healthy food and take that with you when going for vacations so that you can have that food at least for lunch instead of eating expensive and junky food on auto grill.readtoawake. Next time when you return from work and feel hungry. There is nothing wrong with that. 41.
readtoawake. Buy the used car.com Pag. You must pay first pay your credit card loan and then your car loan. At first many of these methods may seem hard to perform but let me assure you one thing that most self made rich people have become rich by using these simple rules. Provided by: www. Keep it on. instead of buying a brand new car. Do not read this e-Book just once but keep reading it at least once per month until these methods become your habits. For example one loan for car at the rate of 10% and other for computer that you paid with your credit card at the rate of 15 %. If you follow some of the above written methods. If you have a credit card debt and pay 18% in interest.46. Think for the Long-Term benefits of these money saving methods. you should pay your credit card debt. 12 . Because the new model will sooner become old as every year a new car model comes out. If you have taken two loans. It will spoil the health of your family and increase your medical expenses. 49. 48. You should understand that car is a liability that depreciate in value every year. You should ask for a bank loan from various banks at lower interest rate (6%). Try to cook something different each week for you and for your family. Don’t buy fast food. Slowly these things will become your habits and you will have no need to make an effort to save money. If you buy a car that is 2 or 3 years old. you can save a lot of money in your life. Good luck for Your financial independence. 47. 50. you can save money and invest the difference. With this bank loan.