We all want to save money, but it’s getting harder and harder to do. There are so many temptations everywhere you turn these days. Every time you go into a store you’re offered a credit card and shopping online makes impulse buying way to easy. My six tips to save you money every day that you’ve never thought about.
Saving you Debit Card
Shopping has never been so easy. You no longer have to go to the store but you also no longer have to have your card in front of you to shop. Nowadays stores or your browser saves you card information, and you can check out in a drop of the hat. Don’t save your credit card information. Not only will it save you money by making it less convenient to buy that shirt that you didn’t need but it will also help protect you from identity theft.
Stores are designed to try to get you to spend more money. That’s why there’s snacks at the checkout and magazines. Hoping you will pick one up before checking out. Tame your impulse buying. A dollar here and a dollar there over time adds up. Before you grab something that isn’t on your list ask yourself, do I really need this? Or am I just buying it because it’s there? That 10 seconds could save you hundreds of dollars though out the year.
Stop being shy
No one is going to look our for your wallet except for you. Don’t be afraid to make a phone call and ask for a discount or to have fees waived. There are fees everywhere. You don’t always have to pay them, though. You can always ask for a discount or to have a fee waived.What the worst they can say? No?
ATM fees are a pet peeve of mine. I will never for the life of me understand why people pay to get their own money. I just don’t get it. Do not pay $3.50 to get money out of an ATM. Either wait until you can get to an ATM that doesn’t charge you, Get cash back from a store (make sure they aren’t charging you), or just use your debit card. It’s just plain silly to pay to use your own money. Just silly.
Don’t go grocery shopping while you’re hungry. You’re more likely just to buy from your list and not buy stuff just because you want it at the moment. Make a list and stick to it!
I know sometimes living frugal is hard sometimes. There are times your friends are going to want to go to an expensive dinner or the mall, and you have to say no, but you have to learn to say NO. You don’t have to miss out on all the fun suggest some frugal activities that you could do together.