Personal Money Saving Tips: (I’m thinking off the top of my head, so I may remember more tips later)
-Write a list of every single bill you have to pay every month, add it up, then work from there
-Coupons, coupons, coupons, you don’t have to get the paper anymore, you can print them off your computer
-Create a shopping list, so you don’t buy unnecessary items.
-(some) off brand items are just as good.
-Call your credit card companies, ask for a reduced interest rate.
-Careful when applying for a credit card, read all the fine print, some rates can be variable from 8 % to 30 %.
-Keep your eyes peeled for store sales, you can check the store’s website, when they’re having sales.
-if you pay utilities bills, be conscious of how you use your lights, how much water is used, etc.
p.s. if you don’t have this already, for shabbos you can get a timer for your lights to go on and off when needed.
A couple things to think about,
-You don’t have to buy brand name items of what so called “everyone” else has in town.
-Keep in mind that whenever you put something on a credit card, you are spending money you don’t have (I’m not talking about necessities)
-you don’t have to buy new clothing every season.
-when you do buy clothes, go when the sales are hot! Sears & Jcpenny has amazing deals sometimes, keep an eye out for them. I bought baby clothes when they were having sales (they have sales very often) I did not spend more than $3 on any single item.
-you can have some luxuries, but if you are tight with money, use them wisely, and again look online for discounts. I got a coupon online for free bowling with free soda for up to six people.
-get regular checkups and dental visits, you may have to pay some money then, but it’s better in the long run, to prevent a $1000 bill for a root canal or hospital visit that could have been prevented.
-speaking of medical bills, apply for financial aid if C”V you ever use the hospital facilities, &/or make a payment plan with them.
Also apply for college financial aid from the college and a state grant.
-if you can qualify, apply for medical assistance, food stamps, &/0r wic. Don’t cheat your way into getting this help, what goes around comes around and it’s not fair to those who are worse off than you.
(I’m thinking off the top of my head, so I may think of more tips/ideas later)