Question:
How can we save money?
Credit Cards
Pay more than the minimum amount due each month. Paying
just $10 more a month than the minimum will greatly
reduce your payoff time and save drastically on interest
charges.
Stay Motivated
Stay motivated. List reasons you should save; read them when
you are tempted to stray from your plan.
Energy Bills
Use draft guards or door sweeps at the bottom of
doors to block cold air.
Cold Water Rinse
Rinse laundry in cold water. It saves money and rinsing in hot or warm water won't get your clothes any cleaner.
Energy Bills
Lower your water heater temperature to 120 degrees.
Water heater costs can account for up to 25 percent of
your household energy bill.
Educate Yourself
Become your own financial guru. Educate yourself and
you will become much more savvy about investments and
retirement plans.
Avoid Debt
Avoid debt. Pay cash for as many purchases as you can
and keep credit cards only for emergencies.
Automatic Payment Systems
Use automatic payment systems whenever possible to
pay bills. This way bills are not late and you don't
pay late fees.
Real Estate
Choose a lower cost area in which to live. A little
research can save a lot of money.
Track Expenses
Understand that small purchases add up. Track expenses
to find easy savings.
Credit Cards
Pay off credit cards with the highest interest rates
first, not the ones with the highest balances. The higher
interest rate costs you more money over time.
Commit To Saving
Make a committment to start saving money. Tell yourself
I'm going to start saving today and then do it.
Energy Bills
Install heavy duty shades or thick drapes on interior
windows to cut down on heat loss.
Simple Savings
Create a simple savings plan. Make cutbacks that bother
you least.
Automobiles
Leasing a car works best for people who drive less than
15,000 miles per year and who keep the car for four
years or less.
Real Estate
Buy a house that is just big enough for your family's
needs. A larger than needed house costs more to buy
and maintain.
Set A Savings Goal
Set a savings goal. It is motivating to measure progress.
Energy Bills
Turn your thermostat down to 62 degrees at night or if
you are out of the house for more than 4 hours.
Buy Ahead
When items your family uses frequently are marked down buy
enough to last to the next sale, usually about 3 months
worth.
Appliances
Buy appliances pre or post season to save up to 30
percent. Also check for discontinued models to save
even more.
Energy Bills
For every degree you turn down the thermostat, you can
save 3 percent on your total monthly heating bill.
Live Within Your Means
Do not try to live above your means. Keeping up with
the Joneses can leave you in debt.
Visualize Your Results
Visualize the result of your savings plan. See what you
are saving for.
Family Frequently Asked Questions
What are some home decorating tips?
How do I save time in the kitchen?
What are some holiday decorating tips?
What are some tips for Christmas?
How can I preserve family memories?
How can I make my family more safe?
How can I keep my family healthy?
How can we be more organized at home?
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What are some tips for Thanksgiving?
What are some tips on treating laundry stains?
What are some tips for New Yearīs resolutions?
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What are some good family related quotes?
How can I fight the winter blahs?
What are some good cooking tips?
What are some tips for shopping online?
What are some ideas for quick Christmas gifts?
How should the American Flag be displayed?
What are some tips for planning for the future?
What are some tips for Christmas shopping?
How can I make my own window cleaner?
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How can my family save valuable closet space?
How can we strengthen family relationships?
How can we save time on laundry?
How can my family stay more organized?
What things should families avoid on family night?
When should we have family night?
Whatīs the best way to wash my windows?
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How can we improve our marriage?
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Whatīs an easy way to dust my blinds?
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How can we protect our family?
How can my family save time in the morning rush?
How can we preserve family memories?
What are some tips on using household products for other things?
How can we strengthen family relationships?
How can my family keep from spending more than the budget allows?
Whatīs the best recipe for homemade play-do?
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What are some tips for Holiday entertaining?
Where can I take my family for the day?
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When should I begin planning for our family reunion?
How do I get help planning a family reunion?
What are some fun games we can play as a family?
What kind of hobbies can my family do together?
What are some good ways to have family activities?
How can we keep in touch with family who live far away?
What should we do on family night?
How can my family go to the grocery store less often?
How can we get our children involved in family night?
How can a family save money on video rentals?
How can I save money on buying baby clothes?
How can my family save money for college?
How can a family save money on buying videos?
How do I protect myself in parking lots?
How can my family organize the linen closet?
Where can I get information on adoption?
Whatīs a fun game for a large group of people?
What kind of hobbies can my family do together?
How can my family keep from being overloaded?
How can I reduce holiday stress?
How can I control my anger before it gets out of hand?
How can we organize household chores?
How can my family keep a record of the money spent?
How can my family make the most of the grocery money?
What is a parentīs role at a childīs sporting event?
Whatīs the perfect gift for my mother on Motherīs day?
What are some tips for adopting a "special needs" child?
How can I save time while cleaning?
How can we celebrate Memorial Day?
How can my family save money on batteries?
How can my family keep sports equipment organized?
How can my family make the most of their drawer space?
How can we organize our bathroom?
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How can we save valuable cabinet space in the kitchen?
What are some tips for shopping online?
What are some tips for Easter?
What should I know about cleaning bathrooms?
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How can I save time in the morning rush?
How can I keep things moving in the morning rush?
How can I plan ahead for a family funeral?
Are there any guidelines to follow while raising a child?
How can I clean my stainless steel kitchen utensils?
How can I clean my stainless steel kitchen utensils?
How can I clean my stainless steel kitchen utensils?
