Personal Savings Give home-made gifts come from the heart, not from the wallet. I used to have the beauty parlor wash and style my hair. Since I have given it up I have saved $15 per week. My son and I often exchange coats and sweater, because we can wear the same size and buy less clothing. If you know someone who has a baby around the same time as you, trade clothes or accept hand me downs. Babies grow fast and may only wear an outfit once. It has saved me a bundle. Get organized and avoid missed credit card payments . I've missed a payment or two because the bill got buried beneath a stack of papers. Get organized and avoid those late payment penalties. If you do miss a payment, call your creditor and ask to have the penalty removed. They'll usually accommodate the request, at least the first time. I brush my teeth with baking soda. Find alternative ways to Improve your self-esteem & suddenly you'll find that you can do without acrylic nails. Get healthy. Your health will directly impact the cost of life insurance and, in some cases, reduce the cost of your health insurance. I have a friend who is the same size as myself and we often exchange clothing to save money, then we exchange it back. When you have a baby (we have two):Breast feed - Breast milk is always the right temperature (when given directly from the source). It doesn't have to be boiled or mixed, no bottles to wash, you're taking it with you anyway. If breastfeeding isn't an option use Kirkland Signature (Costco brand) formula. It's many times cheaper than name brands with basically the same ingredients. Pay as many bills online as possible. It saves postage. Mend and repair; take good care (of all that God has given you). Being on fixed incomes, we collect soda cans. They're recyclable and better for the environment, plus I do online surveys. Budget your spending wisely and pay your bills first. Read magazines at the library or online. Too many magazines can cost a fortune. And how many times have you bought a magazine based on the cover and been disappointed by the lack of substance. At the library you can read magazines for free. And many magazines now offer their content for free online. Give to others that are in need. "Old fashioned" mending and removing stains helps clothes last a lot longer. Spend what you need to spend, then put the rest in a savings account. It's always good to have a savings account! Add a 12th of your mortgage payment to pay as principal. In a years time it will be same as 13 payments. Never pay checking account fees. I hate bank fees. With so many free checking account plans available, there's no reason to pay a fee. And if the bank happens to charge you one, ask them to reverse the fee or take your business to another bank. I'll buy my kid a bed cause she doesn't have one. For the past 6 months, I have saved $25 per month by coloring my own hair and it looks great. Agree to limit gift giving. At Christmas our extended family and we go overboard when it comes to gift giving. Agree in advance to limit the gifts, and save everybody some money. STOP TEXT-MESSAGING. IT COULD SAVE YOU A BUNDLE. I DO BECAUSE I DO NOT DO IT. Raise the deductable on your car and home owners insurance. It saves a bundle! Go through your closet now that the season has changed. If you have something that doesn't match anything consider giving it away to a Clothes Distribution Center instead of buying something to go with it. Never buy anything new to go with something old unless you really have to have it.
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