Ways to Save Money

Reader-Submitted Saving Money Advice

This article on ways to save money was submitted by site visitor George T. of Little Rock, Arkansas. If you would like to share your insights and saving money tips, we welcome your submission. Click here to share your ideas with readers: Submit Saving-Money Advice.

We all could use more ideas for saving some extra cash – and even more so during these troubled economic times.

Below are my suggestions on what to use and what to avoid to help build and protect your "nest egg."

While I recognize that not all these money saving tips will work for everyone, they should at least help get those creative juices flowing. Hopefully, these ideas will help you come up with your own creative ways to save money.

Ways to Save Money: What You Should AVOID...

  • Checking or savings accounts that have fees.
  • ATM fees. Use only your bank's ATM when possible.
  • Buying checks from your bank. Use other trusted third-party sellers.
  • Finance charges. Always save in advance for any item you want to buy.
  • Using credit to finance things that you can't afford in the first place.
  • Paying interest rates. Always pay your balances in ful, each month.
    Credit cards that have annual fees.
  • Paying for your credit report. Get it free at annualcreditreport.com, or request one by writing to the credit bureaus if you have ever been denied credit.
  • Subscribing to magazines or newspapers. Read them online. The Sunday paper may be an exception because it is typically packed with coupons that provide more ways to save money.
  • Replacing things that aren't broken. If it works, keep using it.
  • Buying greeting cards. Design and print them at home.
  • Gym memberships. Do your workout at home or go for a run or walk outside and enjoy the fresh air.
  • Buying coffee at the corner coffee shop. Brew your java at home or use the machine at work for your daily kick.
  • Leaving lights on when you leave a room and your electronics plugged into the wall.
  • Stocking up extra perishable items just because there is a sale. You may never end up using them before expiration date. You can stock up non-perishable items that you regularly use, of course.
  • Buying bottled drinking water. You already pay for the drinking water from your tap, as part of your utility bills... right?
  • Vending machines. Don't pay a premium price for stuff that's bad for your health. It's a a double whammy.
  • Replacing your car every few years. Get the most out of your vehicle by maintaining it well. Today's cars can last 200,000 miles or more.

Ways to Save Money: What You Should USE...

Credit cards that offer those valuable cash-back bonuses or reward points. But remember to always pay your balance in full each month. If you are unable to do that, ignore this tip.

  • Buy 1 get 1 free coupons for restaurants. Or, "kids eat free" coupons.
  • Higher deductibles on insurances.
  • Surge protectors for your electronic equipment. This is especially important if you live in an area where thunderstorms frequent.
  • Public libraries for your reading and entertainment needs. Check out books and DVDs to your heart's content.
  • A change jar. Make a habit of putting all your change into it at the end of the day. Once a month, exchange the coins for bills.
  • eBay or Craig's List to buy quality used stuff.
  • The internet to pay your bills so you can save on postage.
  • The internet to buy contact lenses.They are usually cheaper than buying them from your optometrist.
  • The internet to buy flee and tick, heartworm and other medication for your pets. Veterinary offices charge up to triple the price.
  • Factory outlets and thrift stores for your clothing or other household needs.

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