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Friday, September 11, 2009

How to Save More Money with No Sacrifices

By Robert Jackson

One of the simple ways to keep more money in your pocket is to run through your list of expenses and think of alternatives. If you get creative, you will find that not many things are really irreplaceable.

Gym memberships are important for those diehard muscle builders but if you are just looking to get fit, you can probably safely cancel the monthly subscription. All you have to do is jog every morning and I bet that you will be just as healthy.

TV is one of the more expensive expenses on everyone's budget. By using something like Netflix, we can cut out monthly cost by $80 a month without sacrificing advertising. Sounds great doesn't it?

Those who have phone service probably can cut it up. Some people have gone with cell phones only and their lives were exactly the same. Those land lines are really just ancient technology now.

If you eat out all the time, you know that cooking at home is much cheaper but who wants to do all the work? A better way is to do a combination. You buy a dish, bring it home and add your own ingredients to make the dish bigger.

Do you pay for unlimited cell phone minutes? Even if you aren't, you are probably paying for more minutes than you need. Consider downgrading and keeping more money in your pocket.

Many people redeem points for merchandise but redeeming for cash or travel certificates are usually the best deal. Think about all the options that they give you and run the numbers!

If a magazine cost $5, why am I saying you should pay $10? This is because $10 gets you a whole year's worth, complete with sign on bonuses and shipping charges. It's delivered to your door and you won't be tempted to buy another one at the stand.

Renting probably makes no sense on paper but if you factor in that you probably don't the product that you felt you absolutely need at the heat of the moment, it's probably cheaper to rent it than to buy it.

Sometimes, generic brands are as good, if not better than name brands. The best part is that since they don't do any marketing, the product is usually much cheaper and that translates directly to savings for us. - 23200

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