Great Money Saving Tips for 2013: An Infographic on Managing Money

GREAT MONEY SAVING TIPS FOR 2013 MARGIN LETTER RESPONSI BANK MONEY FX ACCOUNT BANKING SYST LEDGER INFLATE CREDITWOR BALA JUNH 1 21 PAY YOURSELF FIRST. YOU HAVE WORKED HARD FOR YOUR MONEY, SO PAY YOURSELF, BY PUTTING MONEY INTO A SAVINGS ACCOUNT BEFORE SPENDING IT. SET FINANCIAL GOALS. SET SHORT AND LONG TERM GOALS TO HELP YOU STICK TO YOUR BUDGET. SAVE YOUR SPARE CHANGE. LIKE THEY SAY, PENNIES ADD UP. 4. LEAVE THE CREDIT CARD AT HOME. DECIDE HO W MUCH SPENDING MONEY YOU WILL ALLOW YOURSELF PER PAYCHECK, AND TAKE IT OUT IN CASH ON PAYDAY. WHEN YOU'RE OUT – YOU'RE OUT. TURN OFF THE LIGHTS WHEN YOU LEAVE THE HOUSE. DON'T BE DIM! YOU WON'T BECOME AN OVERNIGHT MILLIONAIRE, BUT CONSERVING ENERGY CAN HELP YOU SAVE A LITTLE AT A TIME. DOUBLE YOUR RECIPE SO YOU'LL HAVE LEFTOERS. YOU LIKELY WON'T NEED TO BUY MORE INGREDIENTS; YOU'LL JUST USE MORE OF THE INGREDIENTS YOU ALREADY HAVE. THAT WAY, YOUR MEALS WILL GO TWICE AS FAR AND YOU'LL SPEND HALF AS MUCH. PACK YOUR LUNCH. BELIEVE IT OR NOT, "BROWN-BAGGING" IT CAN SAVE YOU MORE THAN $1,000 A YEAR. 8. SKIP THE BOTTLED WATER. 81 9. 10 11 122 13 HOW SMART IS IT TO SPEND MONEY ON BOTTLED WATER? NOT VERY. THE AVERAGE PERSON CONSUMES 167 BOTTLES PER YEAR. THAT'S A PRETTY QUICK WAY TO DEHYDRATE YOUR BANK ACCOUNT. CANCEL YOUR CABLE PACKAGE. THIS IS OBVIOUS - AND HORRIFYING TO SOME. CABLE CAN COST AROUND $150 EACH MONTH, WHICH ADDS UP TO $1800 A YEAR. IT ALL COMES DOWN TO THIS: WOULD YOU RATHER WATCH HONEY BOOBOO REGULARLY, OR TAKE A NICE VACATION? EXACTLY. DITCH THE DELIVERY. YOU CAN SAVE TIME AND DOUGH BY COOKING UPA FROZEN ONE INSTEAD. SAVE $15 EVERY TIME YOU PRE-HEAT THE OVEN INSTEAD OF CALLING PAPA. CLIP COUPONS. WHAT'S WRONG WITH ENJOYING A (HOME-BREWED) LATTE AND SPENDING A LITTLE TIME WITH THE SUNDAY PAPER AND A PAIR OF SCISSORS? NOTHING! YOU CAN SAVE ANYWHERE FROM 40% - 60% OFF YOUR GROCERY BILL BY USING COUPONS. EVALUATE YOUR CELL PHONE PLAN. SEE IF YOU REALLY NEED EVERYTHING YOU PAY FOR. BY WHACKING UNNECESSARY AMENITIES, YOU COULD KNOCK $20 OFF YOUR BILL – A COOL $240 EVERY YEAR. CARPOOL TO WORK. YOU'LL SAVE ON GAS AND SPLURGE ON SOCIAL INTERACTIONS. NOT ONLY THAT, BUT YOU'LL PUT HALF YOUR GAS EXPENDITURES BACK IN YOUR POCKET – AN AVERAGE OF $2,500 A YEAR. SOURCES: HTTP://ww.ADVANTAGECCS.ORG/BLOG/MONEY-SAVING-TIPS-AND-SUGGESTIONS-FOR-2013/ HTTP://LIVING.MSN.COM/LIFE-INSPIRED/100-WAYS-TO-SAVE-MONEY-IN-2013 O ADVANTAGECCS.ORG Advantage TWITTER.COM/ADVANTAGECCS f FACEBOOK.COM/ADVANTAGECCS 2 [email protected] CREDIT COUNSELING SERVICE (866) 699-2227 FALSELY SECURITY GHOSTWRITER TERLING Coupon