comparison-shop

Staying In A Hotel? Read This First! | HYIYH.com

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Staying In A Hotel? Read This First!

Most people have had unfortunate experiences in low-quality hotels. This can be expensive and unpleasant, so you need to avoid it if you can. However, there are ways you can ensure it doesn’t happen to you. Keep reading ro find out more. Online travel websites can offer you a great deal on…

Helpful Tips And Tricks For Car Shoppers

Helpful Tips And Tricks For Car Shoppers

Most people love getting a new car, but quite a few don’t like the process of getting there. A little information and research can go a long way in purchasing the right car. Use the tips and tricks in this article to help you choose your next car.

Do you know that it is possible to get yourself a car loan over the Internet without visiting a dealership? One of the reasons it takes the dealer so…

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New Post has been published on My Finance Blog

New Post has been published on http://princefinance.princefamily33.com/2014/04/22/use-these-ideas-and-maximize-your-proficiency-in-gold-3/

Use These Ideas And Maximize Your Proficiency In Gold

TIP! Think about selling your gold on the Internet. Gold dealing is no longer something that takes a brick and mortar store.

Investing in gold is a very popular way to protect your savings from inflation. Though more and more people are using gold to help with finances, most don’t know how to properly do it. This article is here to help you get everything you need to out of a gold investment.

TIP! Before you buy gold from a dealer, get a guaranteed delivery date. If the person selling you the gold does not deliver the product right away, it is necessary for you to obtain a written estimate of when your items should arrive.

If you plan to invest in gold for retirement, be sure you purchase the right kind. The IRS must give its approval for your investment. It has to be in the form of 24-karat gold bullion or coins. Bars are generally more valuable than coins and should, therefore, be favored.

TIP! You might balk at the high cost of gold, causing you to select gold-filled or gold-plated items. It is very possible to buy real gold without spending a lot of money at a jewelry store.

If you are buying gold jewelry as a gift, make sure you have a money back guarantee. There are time where you may have to return the jewelry. It’s always a good idea to be able to get your money back on a jewelry purchase if it doesn’t work out for you.

TIP! Research the market price before selling any of your gold jewelry. This will indicate whether you’re getting a fair price or not.

Never neglect the idea of hunting in antique shops or flea markets to find gold. If you you’re aware of what to look for, you can find some great bargains. Usually, you will see donated items of great value because people are unsure of their cost. A little bit of effort on your part to look around can yield big results.

Gold Market

TIP! If you’re using a mail-order gold buying service, make sure you understand any return postage fees you’ll need to pay if you decline their offer. Many companies advertise no shipping costs, but they often hide large handling fees in the fine print.

Be careful in the gold market. There are always a few bad apples in every market, and players in the gold market are no exception. Many people want to keep the money you are owed for themselves. You need to do your research and be careful.

TIP! Even though gold buying can be thrilling, try not to talk much about it. You have no way of knowing who might overhear your conversation and who is truly trustworthy.

Prior to picking a gold buyer, comparison shop. You might be surprised by the price variants. If you take the first offer, you might get the worst deal ever! Get the most money for your gold by spending time to comparison shop.

TIP! You may even be able to find old gold at thrift shops or garage sales. These places can be treasure troves for gold hunters.

You must know what investments to make before you actually start investing in gold. Some people will claim to be experts in the field. When they make huge promises, they can’t keep them. Avoid such talk and thoughts so you can avoid unrealistic expectations of what gold can do for you.

TIP! A magnet can be used as a cheap and fast way to determine if a piece is really made of gold. If the piece is real gold, the magnet will not be attracted to it.

Gold’s importance and popularity has reached impressive new highs in the aftermath of the financial collapse recently experienced worldwide. It’s important to know how to invest in it properly, but investing has many advantages to anyone who is looking to invest in something that isn’t volatile at the present time. This article has given you tons of advice, so make use of it.

New Post has been published on My Finance Blog

New Post has been published on http://princefinance.princefamily33.com/2014/01/15/tips-to-help-you-undertand-payday-cash-advances/

Tips To Help You Undertand Payday Cash Advances

Dealing with financial hardships can be extremely stressful. With the weight of the world on your shoulders, you need some help! This article contains information on cash advances, which may be able to get you out of your financial difficulties.

TIP! Before using a payday loan, look at all your other options. Borrow from family, work with a bank, or use a credit card–all of these options are more financially sound than a payday loan.

While the are usury laws in place when it comes to loans, payday loan companies have ways to get around them. Fees will add up to nullify a low interest rate. This is why payday cash advances are typically ten times more expensive than traditional loans.

Avoid simply driving to the nearest lender for a payday loan. Though you may know of a convenient location, you should always comparison shop for the best rates. This simple step could save you a bundle of money.

Payday Loan

Comparison shop in order to secure the most favorable interest rate. There are payday loan companies you can visit, but you can also find some online. Each wants you to choose them, and they try to draw you in based on price. If this payday loan is your first, you may qualify for further discounts with some lenders. Prior to committing to a lender, be sure you know what choices you have.

TIP! Often, in order to be approved for a payday loan, there is a requirement that you possess a checking account. The reason for this is that most payday lenders have you fill out an automatic withdrawal authorization, which will be used on the loan’s due date.

You should always look into other ways of getting funds. It is better for your pocketbook if you can borrow from a family member, secure a bank loan or even a credit card. If you can get a traditional line of credit, you will pay far less in interest in the long run.

Before taking out a payday loan, you should be skeptical of each and every lender you run across. Often, these lenders prey upon people who are already financially strapped. These companies make money by providing terrible borrowers with loans that they know won’t be paid back. Make sure that you read the fine print when you are taking these loans.

TIP! It is important to keep in mind that payday loans are extremely short term. If you will be unable to pay back the loan, interest and fees on time, which is generally 14 days, consider other sources that may be able to give you a loan.

There are certain pieces of documentation that you need when applying for a payday loan. You will need a few things when you go to get the loan. These include up to three recent pay stubs, proper identification, and evidence of a checking account. The requirements might be different depending on the business. You should call before you go, so that you know what documents will be needed.

Make sure of the fees you will be charged while repaying the loan. Most of the payments made by people will be towards their excess charges, rather than the loan itself. People sometimes pay as much as five times the amount of the loan by getting caught in this trap.

TIP! There are organizations that can assist you in making arrangements to pay off your overdue payday loans. Through their free service of negotiation with your lender to achieve lower interest rates, or perhaps a consolidation of the debt, these companies can help remove you from the loan cycle.

A great thing to remember when applying for payday advances is that you always need to be aware of the interest rates. Never sign anything until you fully understand the terms. A company that wont disclose this information can possible be a scammer and you might end up with a lot of hidden charges and fee you do not know about.

Payday Loan

Now you should know more about what is involved in taking out a payday loan. If you are considering getting a payday loan, read the fine print.

Saving money can seem like such a gargantuan task. But if you take baby steps and implement some of these frugal changes slowly, you may not even realize that you’re actually padding up your bank account. Make these small changes in your life for a big difference in your net worth:

  1. Get a deep freezer so you have a place to store the items you buy in bulk and on sale. 
  2. Buy whole hams and have the deli guy slice it for cheaper cuts. 
  3. Get over-the-counter meds from Amazon - they tend to be cheaper.
  4. Automate money from your paycheck to your savings every month so you won’t be tempted to overspend. 
  5. Pick your own fruits from a local orchard for amazingly low prices. 
  6. Know what the average prices for common goods are so you can better comparison-shop. 
  7. Find affordable recipes for meals.
  8. Avoid out-of-network ATMs.
  9. Check your bills for mistakes. 
  10. Bring your lunch to work.
  11. Take public transportation as much as you can. 
  12. Save your change.
  13. Insulate your home to save on energy bills. 
  14. Use the stranger test to avoid impulse shopping. Picture a stranger offering you the cash value of the purchase or the purchase to you, and figure out which one you would pick. 
  15. Keep your home clean so you don’t have to buy expensive products to cut through the grime.
  16. Keep your home organized so you know what you have and won’t buy duplicates at the store. 
  17. Take a shopping list with you to the grocery store and stick to it.
  18. Don’t go to the supermarket hungry - it may cause you to buy more. 
  19. Try ethnic supermarkets. You may find cheaper fresh produce and meats. 
  20. Maintain your clothes to reduce visits to the dry cleaner.
  21. Grow your own food
  22. Make your own cleaning supplies, like detergent, dryer sheets, and multipurpose cleaners.
  23. Get a home energy audit.
  24. Cut out cable TV
  25. Max out an employer-matched 401K plan.
  26. If you’re a student, don’t skip class. You are paying for your education. 
  27. Restore or build your own furniture. 
  28. Exercise outside of a gym. 
  29. Use a rewards credit card instead of a debit card if you have a good handle on your spending.
  30. Buy used items
  31. Learn how to do your own home repairs
  32. When you’re eating out, drink water only and avoid sodas and other overpriced drinks. 
  33. Wait out luxury purchases so you’re not buying them on impulse. 
  34. Scour Craigslist for free things. 
  35. Swap clothing with your friends. 
  36. Use vinegar to clean your home. 
  37. Buy quality clothes so they last longer. 
  38. Be honest with your friends about your budget and when you can’t afford to do things.
  39. Use less of products, such as shampoo, detergent, and more. 
  40. Start looking well in advance for big purchases.
  41. Plan a trip early. 
  42. Focus on preventative care. 
  43. Try to always buy things at a discount, which means waiting for the items to go on sale. Some sites even let you tag your desired items with alerts that will notify you when they go on sale. 
  44. Get a thermostat. 
  45. Dry your clothes on a clothesline.
  46. Buy generic items. 
  47. Make your own snacks instead of buying them from the vending machine. 
  48. Know when to skip organic
  49. Store your leftovers and eat them the next day.
  50. Ditch bottled water and get a Brita filter ($11). 
  51. Use your local library’s services
  52. Use apps that let you talk and text for free
  53. Listen to music for free on Spotify and Pandora.
  54. Skip the alcoholic drinks on a night out, as they can add up. Instead, enjoy some drinks with friends at someone’s house beforehand.
  55. Pick afternoon showtimes for movies to get a cheaper rate. 
  56. Return any items you mispurchased immediately.
  57. Carpool with people to get to work. 
  58. Attend free events in your city.
  59. Host a board-game night instead of a night out.
  60. Throw a potluck.
  61. Skip a trip to the tailor and learn to do basic sewing fixes yourself. 
  62. Pick takeout over delivery. 
  63. Make your own meals or at least eat more homemade meals than you eat out. 
  64. Turn off lights and unplug electronics when not in use. 
  65. Make the most of the groceries you have before running out to get more. 
  66. Be smart about buying in bulk
  67. Avoid precut produce. 
  68. Make your own personal care items, such as lotion and mouthwash.  
  69. Don’t throw away items - upcycle them into these cool projects
  70. Sell the things you no longer need, instead of throwing them away. 
  71. Negotiate and haggle your way into getting a better price. 
  72. Try to go cash-only on the weekends. 
  73. Monitor your bank or Mint account regularly so you are spending consciously every day. 
  74. Explore your city instead of taking a trip. 
  75. Brush and floss every day to save hundreds or even thousands on dental bills down the road. 
  76. Skip the diamond for your engagement ring, or even buy a lab-grown one
  77. Unsubscribe to daily deal emails. 
  78. Be aware of roaming fees when you travel abroad. 
  79. Use WiFi when you can to conserve data on your smartphone. 
  80. Pay bills when you receive them so you don’t forget about them. 
  81. Check your credit score annually to make sure there are no errors or inaccuracies. 
  82. Use apps like Cheap Gas! or the website GasBuddy.com to check out where the cheapest gas is around you.
  83. Shop flea markets and dollar stores. 
  84. Instead of spending a lot of money on gifts for people, pick from the plenty of inexpensive gifts that are just as good. 
  85. Assess your subscriptions and see if you can get a cheaper plan. 
  86. Use up your daily deals, gift cards, and credits before they expire. 
  87. Download one of these money-saving apps
  88. Choose a savings account with a high interest rate. 
  89. Make sure you’re taking advantage of your employer’s benefits and discounts. 
  90. Use the power of compound interest to fund your retirement dreams - start stashing more money into your retirement accounts. 
  91. Wash your laundry in cold water. 
  92. Travel during the off-season to get cheaper rates on flights and hotels. 
  93. Buy generic drugs at Costco if you’re paying out of pocket. 
  94. Get your pet neutered and spayed at a shelter - the costs tend to be cheaper. 
  95. Consider a hostel or a vacation rental home instead of a hotel.
  96. Clean your household machines to keep them running efficiently. 
  97. Buy in-season produce to save. 
  98. Shop around for a home insurance policy to save.
  99. Make sure your health is covered by insurance to protect yourself from unexpected medical charges. If you don’t have a job, you can stay on your parents’ plan until you are 26. Here are other ways to shop for your own insurance.
  100. Create a $5 savings jar - whenever you have $5 in hand, drop it in the jar.
  101. Use a prepaid phone instead of signing up for a phone plan. 
Simple ways older drivers can save money on auto insurance


* Comparison shop. You don’t need to stay with the same insurance company forever. Prices vary from company to company. Just be sure you discuss the identical coverage with each company representative. Also, don’t go by price alone. Consider the company’s reputation, customer service and available discounts. Look online at customer reviews to get a better picture.

* Combine policies with one carrier. You may save money if you insure all your vehicles on a single policy. Your premium may also go down if you have life or homeowners’ insurance with that company, too.

* Consider asking about higher deductibles. In some cases, if you increase your deductible, you could lower your premiums. Of course, that means you’ll have to pay more money out-of-pocket if you’re in an accident.

* Take an AARP Driver Safety course. Available both online and in the classroom - in English and Spanish - this course teaches valuable defensive driving techniques and provides a refresher about the rules of the road. When you complete the course, you could qualify for a multi-year discount from your auto insurance company (check with your insurance agent for more details). Visit www.aarp.org/drive to find a course in your area.

* Consider dropping collision and/or comprehensive coverage. It may not make financial sense to pay premiums over many years to maintain collision and comprehensive coverage. If your car is worth less than 10 times the premium, purchasing the coverage may not be cost effective, according to the Insurance Information Institute (III). But don’t drop your liability coverage, which can help cover expenses for property or bodily damage you cause while driving your car.

* Take advantage of low-mileage discounts. Some carriers offer discounts to drivers who put less than a predetermined number of miles on their vehicles each year. If you’re only using your car to drive to your kids’ houses, the grocery store, the mall and the gym, this could be a money-saving opportunity.

* Ask about car-safety discounts. Some insurers give discounts for having certain safety devices in your car, such as air bags, automatic safety belts, anti-lock brakes, daytime running lights, or even an approved alarm system. In addition to lowering your premium, these features will help keep you safe on the road.

* If you’re in the market for a new car, consider purchasing a low-profile vehicle. It’s more expensive to insure a vehicle that’s expensive to repair, popular with thieves or known for not having a good safety record. To find out vehicles’ risk levels, visit the Insurance Institute for Highway Safety website.

Everyone’s trying to save money these days. By following these tips, you’ll be in the driver’s seat when it comes to auto insurance premiums.

New shiny and old shiny~

Specifically a new MacBook Pro (13″) with 8GB of RAM on the right and my 2011 MacBook Pro (13″) on the left.  The old one still works okay even though it’s laggy so I’ll finish getting my stuff off of it, wipe it, and keep it as backup.  It took me about three hours today to get all my software installed and licensed and preferences set, but it’s usable now.  I’ve been longing for a new machine for at least a year and now as a reward for getting a new job I used my tax refund money on this one.  If I have a complaint it’s about Yosemite because the system font is really small on a Retina screen!

Before anybody thinks of it, I have done plenty of comparison shopping and I don’t particularly like having the “but why did you buy a Mac?” discussion.

Saving money can seem like such a gargantuan task. But if you take baby steps and implement some of these frugal changes slowly, you may not even realize that you’re actually padding up your bank account. Make these small changes in your life for a big difference in your net worth:

  1. Get a deep freezer so you have a place to store the items you buy in bulk and on sale. 
  2. Buy whole hams and have the deli guy slice it for cheaper cuts. 
  3. Get over-the-counter meds from Amazon - they tend to be cheaper.
  4. Automate money from your paycheck to your savings every month so you won’t be tempted to overspend. 
  5. Pick your own fruits from a local orchard for amazingly low prices. 
  6. Know what the average prices for common goods are so you can better comparison-shop. 
  7. Find affordable recipes for meals.
  8. Avoid out-of-network ATMs.
  9. Check your bills for mistakes. 
  10. Bring your lunch to work.
  11. Take public transportation as much as you can. 
  12. Save your change.
  13. Insulate your home to save on energy bills. 
  14. Use the stranger test to avoid impulse shopping. Picture a stranger offering you the cash value of the purchase or the purchase to you, and figure out which one you would pick. 
  15. Keep your home clean so you don’t have to buy expensive products to cut through the grime.
  16. Keep your home organized so you know what you have and won’t buy duplicates at the store. 
  17. Take a shopping list with you to the grocery store and stick to it.
  18. Don’t go to the supermarket hungry - it may cause you to buy more. 
  19. Try ethnic supermarkets. You may find cheaper fresh produce and meats. 
  20. Maintain your clothes to reduce visits to the dry cleaner.
  21. Grow your own food
  22. Make your own cleaning supplies, like detergent, dryer sheets, and multipurpose cleaners.
  23. Get a home energy audit.
  24. Cut out cable TV
  25. Max out an employer-matched 401K plan.
  26. If you’re a student, don’t skip class. You are paying for your education. 
  27. Restore or build your own furniture. 
  28. Exercise outside of a gym. 
  29. Use a rewards credit card instead of a debit card if you have a good handle on your spending.
  30. Buy used items
  31. Learn how to do your own home repairs
  32. When you’re eating out, drink water only and avoid sodas and other overpriced drinks. 
  33. Wait out luxury purchases so you’re not buying them on impulse. 
  34. Scour Craigslist for free things. 
  35. Swap clothing with your friends. 
  36. Use vinegar to clean your home. 
  37. Buy quality clothes so they last longer. 
  38. Be honest with your friends about your budget and when you can’t afford to do things.
  39. Use less of products, such as shampoo, detergent, and more. 
  40. Start looking well in advance for big purchases.
  41. Plan a trip early. 
  42. Focus on preventative care. 
  43. Try to always buy things at a discount, which means waiting for the items to go on sale. Some sites even let you tag your desired items with alerts that will notify you when they go on sale. 
  44. Get a thermostat. 
  45. Dry your clothes on a clothesline.
  46. Buy generic items. 
  47. Make your own snacks instead of buying them from the vending machine. 
  48. Know when to skip organic
  49. Store your leftovers and eat them the next day.
  50. Ditch bottled water and get a Brita filter ($11). 
  51. Use your local library’s services
  52. Use apps that let you talk and text for free
  53. Listen to music for free on Spotify and Pandora.
  54. Skip the alcoholic drinks on a night out, as they can add up. Instead, enjoy some drinks with friends at someone’s house beforehand.
  55. Pick afternoon showtimes for movies to get a cheaper rate. 
  56. Return any items you mispurchased immediately.
  57. Carpool with people to get to work. 
  58. Attend free events in your city.
  59. Host a board-game night instead of a night out.
  60. Throw a potluck.
  61. Skip a trip to the tailor and learn to do basic sewing fixes yourself. 
  62. Pick takeout over delivery. 
  63. Make your own meals or at least eat more homemade meals than you eat out. 
  64. Turn off lights and unplug electronics when not in use. 
  65. Make the most of the groceries you have before running out to get more. 
  66. Be smart about buying in bulk
  67. Avoid precut produce. 
  68. Make your own personal care items, such as lotion and mouthwash.  
  69. Don’t throw away items - upcycle them into these cool projects
  70. Sell the things you no longer need, instead of throwing them away. 
  71. Negotiate and haggle your way into getting a better price. 
  72. Try to go cash-only on the weekends. 
  73. Monitor your bank or Mint account regularly so you are spending consciously every day. 
  74. Explore your city instead of taking a trip. 
  75. Brush and floss every day to save hundreds or even thousands on dental bills down the road. 
  76. Skip the diamond for your engagement ring, or even buy a lab-grown one
  77. Unsubscribe to daily deal emails. 
  78. Be aware of roaming fees when you travel abroad. 
  79. Use WiFi when you can to conserve data on your smartphone. 
  80. Pay bills when you receive them so you don’t forget about them. 
  81. Check your credit score annually to make sure there are no errors or inaccuracies. 
  82. Use apps like Cheap Gas! or the website GasBuddy.com to check out where the cheapest gas is around you.
  83. Shop flea markets and dollar stores. 
  84. Instead of spending a lot of money on gifts for people, pick from the plenty of inexpensive gifts that are just as good. 
  85. Assess your subscriptions and see if you can get a cheaper plan. 
  86. Use up your daily deals, gift cards, and credits before they expire. 
  87. Download one of these money-saving apps
  88. Choose a savings account with a high interest rate. 
  89. Make sure you’re taking advantage of your employer’s benefits and discounts. 
  90. Use the power of compound interest to fund your retirement dreams - start stashing more money into your retirement accounts. 
  91. Wash your laundry in cold water. 
  92. Travel during the off-season to get cheaper rates on flights and hotels. 
  93. Buy generic drugs at Costco if you’re paying out of pocket. 
  94. Get your pet neutered and spayed at a shelter - the costs tend to be cheaper. 
  95. Consider a hostel or a vacation rental home instead of a hotel.
  96. Clean your household machines to keep them running efficiently. 
  97. Buy in-season produce to save. 
  98. Shop around for a home insurance policy to save.
  99. Make sure your health is covered by insurance to protect yourself from unexpected medical charges. If you don’t have a job, you can stay on your parents’ plan until you are 26. Here are other ways to shop for your own insurance.
  100. Create a $5 savings jar - whenever you have $5 in hand, drop it in the jar.
  101. Use a prepaid phone instead of signing up for a phone plan. 

Saving money can seem like such a gargantuan task. But if you take baby steps and implement some of these frugal changes slowly, you may not even realize that you’re actually padding up your bank account. Make these small changes in your life for a big difference in your net worth:

  1. Get a deep freezer so you have a place to store the items you buy in bulk and on sale. 
  2. Buy whole hams and have the deli guy slice it for cheaper cuts. 
  3. Get over-the-counter meds from Amazon - they tend to be cheaper.
  4. Automate money from your paycheck to your savings every month so you won’t be tempted to overspend. 
  5. Pick your own fruits from a local orchard for amazingly low prices. 
  6. Know what the average prices for common goods are so you can better comparison-shop. 
  7. Find affordable recipes for meals.
  8. Avoid out-of-network ATMs.
  9. Check your bills for mistakes. 
  10. Bring your lunch to work.
  11. Take public transportation as much as you can. 
  12. Save your change.
  13. Insulate your home to save on energy bills. 
  14. Use the stranger test to avoid impulse shopping. Picture a stranger offering you the cash value of the purchase or the purchase to you, and figure out which one you would pick. 
  15. Keep your home clean so you don’t have to buy expensive products to cut through the grime.
  16. Keep your home organized so you know what you have and won’t buy duplicates at the store. 
  17. Take a shopping list with you to the grocery store and stick to it.
  18. Don’t go to the supermarket hungry - it may cause you to buy more. 
  19. Try ethnic supermarkets. You may find cheaper fresh produce and meats. 
  20. Maintain your clothes to reduce visits to the dry cleaner.
  21. Grow your own food
  22. Make your own cleaning supplies, like detergent, dryer sheets, and multipurpose cleaners.
  23. Get a home energy audit.
  24. Cut out cable TV
  25. Max out an employer-matched 401K plan.
  26. If you’re a student, don’t skip class. You are paying for your education. 
  27. Restore or build your own furniture. 
  28. Exercise outside of a gym. 
  29. Use a rewards credit card instead of a debit card if you have a good handle on your spending.
  30. Buy used items
  31. Learn how to do your own home repairs
  32. When you’re eating out, drink water only and avoid sodas and other overpriced drinks. 
  33. Wait out luxury purchases so you’re not buying them on impulse. 
  34. Scour Craigslist for free things. 
  35. Swap clothing with your friends. 
  36. Use vinegar to clean your home. 
  37. Buy quality clothes so they last longer. 
  38. Be honest with your friends about your budget and when you can’t afford to do things.
  39. Use less of products, such as shampoo, detergent, and more. 
  40. Start looking well in advance for big purchases.
  41. Plan a trip early. 
  42. Focus on preventative care. 
  43. Try to always buy things at a discount, which means waiting for the items to go on sale. Some sites even let you tag your desired items with alerts that will notify you when they go on sale. 
  44. Get a thermostat. 
  45. Dry your clothes on a clothesline.
  46. Buy generic items. 
  47. Make your own snacks instead of buying them from the vending machine. 
  48. Know when to skip organic
  49. Store your leftovers and eat them the next day.
  50. Ditch bottled water and get a Brita filter ($11). 
  51. Use your local library’s services
  52. Use apps that let you talk and text for free
  53. Listen to music for free on Spotify and Pandora.
  54. Skip the alcoholic drinks on a night out, as they can add up. Instead, enjoy some drinks with friends at someone’s house beforehand.
  55. Pick afternoon showtimes for movies to get a cheaper rate. 
  56. Return any items you mispurchased immediately.
  57. Carpool with people to get to work. 
  58. Attend free events in your city.
  59. Host a board-game night instead of a night out.
  60. Throw a potluck.
  61. Skip a trip to the tailor and learn to do basic sewing fixes yourself. 
  62. Pick takeout over delivery. 
  63. Make your own meals or at least eat more homemade meals than you eat out. 
  64. Turn off lights and unplug electronics when not in use. 
  65. Make the most of the groceries you have before running out to get more. 
  66. Be smart about buying in bulk
  67. Avoid precut produce. 
  68. Make your own personal care items, such as lotion and mouthwash.  
  69. Don’t throw away items - upcycle them into these cool projects
  70. Sell the things you no longer need, instead of throwing them away. 
  71. Negotiate and haggle your way into getting a better price. 
  72. Try to go cash-only on the weekends. 
  73. Monitor your bank or Mint account regularly so you are spending consciously every day. 
  74. Explore your city instead of taking a trip. 
  75. Brush and floss every day to save hundreds or even thousands on dental bills down the road. 
  76. Skip the diamond for your engagement ring, or even buy a lab-grown one
  77. Unsubscribe to daily deal emails. 
  78. Be aware of roaming fees when you travel abroad. 
  79. Use WiFi when you can to conserve data on your smartphone. 
  80. Pay bills when you receive them so you don’t forget about them. 
  81. Check your credit score annually to make sure there are no errors or inaccuracies. 
  82. Use apps like Cheap Gas! or the website GasBuddy.com to check out where the cheapest gas is around you.
  83. Shop flea markets and dollar stores. 
  84. Instead of spending a lot of money on gifts for people, pick from the plenty of inexpensive gifts that are just as good. 
  85. Assess your subscriptions and see if you can get a cheaper plan. 
  86. Use up your daily deals, gift cards, and credits before they expire. 
  87. Download one of these money-saving apps
  88. Choose a savings account with a high interest rate. 
  89. Make sure you’re taking advantage of your employer’s benefits and discounts. 
  90. Use the power of compound interest to fund your retirement dreams - start stashing more money into your retirement accounts. 
  91. Wash your laundry in cold water. 
  92. Travel during the off-season to get cheaper rates on flights and hotels. 
  93. Buy generic drugs at Costco if you’re paying out of pocket. 
  94. Get your pet neutered and spayed at a shelter - the costs tend to be cheaper. 
  95. Consider a hostel or a vacation rental home instead of a hotel.
  96. Clean your household machines to keep them running efficiently. 
  97. Buy in-season produce to save. 
  98. Shop around for a home insurance policy to save.
  99. Make sure your health is covered by insurance to protect yourself from unexpected medical charges. If you don’t have a job, you can stay on your parents’ plan until you are 26. Here are other ways to shop for your own insurance.
  100. Create a $5 savings jar - whenever you have $5 in hand, drop it in the jar.
  101. Use a prepaid phone instead of signing up for a phone plan. 
The Importance of Remarketing the Strength Bassinet

One of the beyond all bounds upstage remarketing channels that have the potential to compensate past sales is email. Sending quite personalized messages can generate a significantly higher response in bringing central lost customers who have in a transport their shopping carts. This can be achieved through an automated process involving shopping cart recovery software. Using email ad eundem a primeval remarketing tool helps in contemplation of grab the attention of the customer at the right time. However, twentieth-century ukase to recover dissipated sales sidewise email remarketing, it is bare to succeed a smattering guidelines and email thrash practices. This has the potential to recover sales up so 25% so that 50% of abandoned shopping carts.

Standard emails are not effective ways headed for remarket a product and recover cart sales. Emails must address the specific products that a regular has added to his or female being consumer power convey and then chose to abandon it. This is what can help recover sales and bring more sales from the customer in the present perfect even if the present deliverance is not understood. Rather alias only offer discounts auric free-shipping, it is essential to object the category the product is listed in. Yourself must also include a branded sender slash and a focus of interest line reflecting what steps the customer took.

hire purchase cart abandonment software enables material time response which is critical in a remarketing campaign. It is easier to remarket a vendible when customers savvy recently abandoned their shopping cart and are rest online. Precise if they are comparison shopping, they are likely to attack aside and complete the checkout process. According to a survey, seven in ten online merchants do not follow up right with lost customers, thereby increasing their abandonment digest significantly.

To bring about an operable cart-abandonment email, it is necessary to precise the message. The longer merchants do service to so that depute the email, the less effective their remarketing campaign becomes. A past study indicated that the response antecede was as high so 89% forasmuch as messages sent immediately after abandonment. However, the index fell up infernally 20% three days later.

Every aspect of the email message including willed and design must be tested in phyle so as to assign what works best with the customers. In addition to the latest products the customer leftist in the ponycart, it is important to add a link with all speed en route to the abandoned shopping cart. Incentives need not be included if the abandonment was seeing as how inferior reasons. But, it is useful to inform customers that they have been contacted to email because ruling class showed interest in a product and not cause himself are targets of a marketing safari.

Saving money can seem like such a gargantuan task. But if you take baby steps and implement some of these frugal changes slowly, you may not even realize that you’re actually padding up your bank account. Make these small changes in your life for a big difference in your net worth:

  1. Get a deep freezer so you have a place to store the items you buy in bulk and on sale. 
  2. Buy whole hams and have the deli guy slice it for cheaper cuts. 
  3. Get over-the-counter meds from Amazon - they tend to be cheaper.
  4. Automate money from your paycheck to your savings every month so you won’t be tempted to overspend. 
  5. Pick your own fruits from a local orchard for amazingly low prices. 
  6. Know what the average prices for common goods are so you can better comparison-shop. 
  7. Find affordable recipes for meals.
  8. Avoid out-of-network ATMs.
  9. Check your bills for mistakes. 
  10. Bring your lunch to work.
  11. Take public transportation as much as you can. 
  12. Save your change.
  13. Insulate your home to save on energy bills. 
  14. Use the stranger test to avoid impulse shopping. Picture a stranger offering you the cash value of the purchase or the purchase to you, and figure out which one you would pick. 
  15. Keep your home clean so you don’t have to buy expensive products to cut through the grime.
  16. Keep your home organized so you know what you have and won’t buy duplicates at the store. 
  17. Take a shopping list with you to the grocery store and stick to it.
  18. Don’t go to the supermarket hungry - it may cause you to buy more. 
  19. Try ethnic supermarkets. You may find cheaper fresh produce and meats. 
  20. Maintain your clothes to reduce visits to the dry cleaner.
  21. Grow your own food
  22. Make your own cleaning supplies, like detergent, dryer sheets, and multipurpose cleaners.
  23. Get a home energy audit.
  24. Cut out cable TV
  25. Max out an employer-matched 401K plan.
  26. If you’re a student, don’t skip class. You are paying for your education. 
  27. Restore or build your own furniture. 
  28. Exercise outside of a gym. 
  29. Use a rewards credit card instead of a debit card if you have a good handle on your spending.
  30. Buy used items
  31. Learn how to do your own home repairs
  32. When you’re eating out, drink water only and avoid sodas and other overpriced drinks. 
  33. Wait out luxury purchases so you’re not buying them on impulse. 
  34. Scour Craigslist for free things. 
  35. Swap clothing with your friends. 
  36. Use vinegar to clean your home. 
  37. Buy quality clothes so they last longer. 
  38. Be honest with your friends about your budget and when you can’t afford to do things.
  39. Use less of products, such as shampoo, detergent, and more. 
  40. Start looking well in advance for big purchases.
  41. Plan a trip early. 
  42. Focus on preventative care. 
  43. Try to always buy things at a discount, which means waiting for the items to go on sale. Some sites even let you tag your desired items with alerts that will notify you when they go on sale. 
  44. Get a thermostat. 
  45. Dry your clothes on a clothesline.
  46. Buy generic items. 
  47. Make your own snacks instead of buying them from the vending machine. 
  48. Know when to skip organic
  49. Store your leftovers and eat them the next day.
  50. Ditch bottled water and get a Brita filter ($11). 
  51. Use your local library’s services
  52. Use apps that let you talk and text for free
  53. Listen to music for free on Spotify and Pandora.
  54. Skip the alcoholic drinks on a night out, as they can add up. Instead, enjoy some drinks with friends at someone’s house beforehand.
  55. Pick afternoon showtimes for movies to get a cheaper rate. 
  56. Return any items you mispurchased immediately.
  57. Carpool with people to get to work. 
  58. Attend free events in your city.
  59. Host a board-game night instead of a night out.
  60. Throw a potluck.
  61. Skip a trip to the tailor and learn to do basic sewing fixes yourself. 
  62. Pick takeout over delivery. 
  63. Make your own meals or at least eat more homemade meals than you eat out. 
  64. Turn off lights and unplug electronics when not in use. 
  65. Make the most of the groceries you have before running out to get more. 
  66. Be smart about buying in bulk
  67. Avoid precut produce. 
  68. Make your own personal care items, such as lotion and mouthwash.  
  69. Don’t throw away items - upcycle them into these cool projects
  70. Sell the things you no longer need, instead of throwing them away. 
  71. Negotiate and haggle your way into getting a better price. 
  72. Try to go cash-only on the weekends. 
  73. Monitor your bank or Mint account regularly so you are spending consciously every day. 
  74. Explore your city instead of taking a trip. 
  75. Brush and floss every day to save hundreds or even thousands on dental bills down the road. 
  76. Skip the diamond for your engagement ring, or even buy a lab-grown one
  77. Unsubscribe to daily deal emails. 
  78. Be aware of roaming fees when you travel abroad. 
  79. Use WiFi when you can to conserve data on your smartphone. 
  80. Pay bills when you receive them so you don’t forget about them. 
  81. Check your credit score annually to make sure there are no errors or inaccuracies. 
  82. Use apps like Cheap Gas! or the website GasBuddy.com to check out where the cheapest gas is around you.
  83. Shop flea markets and dollar stores. 
  84. Instead of spending a lot of money on gifts for people, pick from the plenty of inexpensive gifts that are just as good. 
  85. Assess your subscriptions and see if you can get a cheaper plan. 
  86. Use up your daily deals, gift cards, and credits before they expire. 
  87. Download one of these money-saving apps
  88. Choose a savings account with a high interest rate. 
  89. Make sure you’re taking advantage of your employer’s benefits and discounts. 
  90. Use the power of compound interest to fund your retirement dreams - start stashing more money into your retirement accounts. 
  91. Wash your laundry in cold water. 
  92. Travel during the off-season to get cheaper rates on flights and hotels. 
  93. Buy generic drugs at Costco if you’re paying out of pocket. 
  94. Get your pet neutered and spayed at a shelter - the costs tend to be cheaper. 
  95. Consider a hostel or a vacation rental home instead of a hotel.
  96. Clean your household machines to keep them running efficiently. 
  97. Buy in-season produce to save. 
  98. Shop around for a home insurance policy to save.
  99. Make sure your health is covered by insurance to protect yourself from unexpected medical charges. If you don’t have a job, you can stay on your parents’ plan until you are 26. Here are other ways to shop for your own insurance.
  100. Create a $5 savings jar - whenever you have $5 in hand, drop it in the jar.
  101. Use a prepaid phone instead of signing up for a phone plan. 

Saving money can seem like such a gargantuan task. But if you take baby steps and implement some of these frugal changes slowly, you may not even realize that you’re actually padding up your bank account. Make these small changes in your life for a big difference in your net worth:

  1. Get a deep freezer so you have a place to store the items you buy in bulk and on sale. 
  2. Buy whole hams and have the deli guy slice it for cheaper cuts. 
  3. Get over-the-counter meds from Amazon - they tend to be cheaper.
  4. Automate money from your paycheck to your savings every month so you won’t be tempted to overspend. 
  5. Pick your own fruits from a local orchard for amazingly low prices. 
  6. Know what the average prices for common goods are so you can better comparison-shop. 
  7. Find affordable recipes for meals.
  8. Avoid out-of-network ATMs.
  9. Check your bills for mistakes. 
  10. Bring your lunch to work.
  11. Take public transportation as much as you can. 
  12. Save your change.
  13. Insulate your home to save on energy bills. 
  14. Use the stranger test to avoid impulse shopping. Picture a stranger offering you the cash value of the purchase or the purchase to you, and figure out which one you would pick. 
  15. Keep your home clean so you don’t have to buy expensive products to cut through the grime.
  16. Keep your home organized so you know what you have and won’t buy duplicates at the store. 
  17. Take a shopping list with you to the grocery store and stick to it.
  18. Don’t go to the supermarket hungry - it may cause you to buy more. 
  19. Try ethnic supermarkets. You may find cheaper fresh produce and meats. 
  20. Maintain your clothes to reduce visits to the dry cleaner.
  21. Grow your own food
  22. Make your own cleaning supplies, like detergent, dryer sheets, and multipurpose cleaners.
  23. Get a home energy audit.
  24. Cut out cable TV
  25. Max out an employer-matched 401K plan.
  26. If you’re a student, don’t skip class. You are paying for your education. 
  27. Restore or build your own furniture. 
  28. Exercise outside of a gym. 
  29. Use a rewards credit card instead of a debit card if you have a good handle on your spending.
  30. Buy used items
  31. Learn how to do your own home repairs
  32. When you’re eating out, drink water only and avoid sodas and other overpriced drinks. 
  33. Wait out luxury purchases so you’re not buying them on impulse. 
  34. Scour Craigslist for free things. 
  35. Swap clothing with your friends. 
  36. Use vinegar to clean your home. 
  37. Buy quality clothes so they last longer. 
  38. Be honest with your friends about your budget and when you can’t afford to do things.
  39. Use less of products, such as shampoo, detergent, and more. 
  40. Start looking well in advance for big purchases.
  41. Plan a trip early. 
  42. Focus on preventative care. 
  43. Try to always buy things at a discount, which means waiting for the items to go on sale. Some sites even let you tag your desired items with alerts that will notify you when they go on sale. 
  44. Get a thermostat. 
  45. Dry your clothes on a clothesline.
  46. Buy generic items. 
  47. Make your own snacks instead of buying them from the vending machine. 
  48. Know when to skip organic
  49. Store your leftovers and eat them the next day.
  50. Ditch bottled water and get a Brita filter ($11). 
  51. Use your local library’s services
  52. Use apps that let you talk and text for free
  53. Listen to music for free on Spotify and Pandora.
  54. Skip the alcoholic drinks on a night out, as they can add up. Instead, enjoy some drinks with friends at someone’s house beforehand.
  55. Pick afternoon showtimes for movies to get a cheaper rate. 
  56. Return any items you mispurchased immediately.
  57. Carpool with people to get to work. 
  58. Attend free events in your city.
  59. Host a board-game night instead of a night out.
  60. Throw a potluck.
  61. Skip a trip to the tailor and learn to do basic sewing fixes yourself. 
  62. Pick takeout over delivery. 
  63. Make your own meals or at least eat more homemade meals than you eat out. 
  64. Turn off lights and unplug electronics when not in use. 
  65. Make the most of the groceries you have before running out to get more. 
  66. Be smart about buying in bulk
  67. Avoid precut produce. 
  68. Make your own personal care items, such as lotion and mouthwash.  
  69. Don’t throw away items - upcycle them into these cool projects
  70. Sell the things you no longer need, instead of throwing them away. 
  71. Negotiate and haggle your way into getting a better price. 
  72. Try to go cash-only on the weekends. 
  73. Monitor your bank or Mint account regularly so you are spending consciously every day. 
  74. Explore your city instead of taking a trip. 
  75. Brush and floss every day to save hundreds or even thousands on dental bills down the road. 
  76. Skip the diamond for your engagement ring, or even buy a lab-grown one
  77. Unsubscribe to daily deal emails. 
  78. Be aware of roaming fees when you travel abroad. 
  79. Use WiFi when you can to conserve data on your smartphone. 
  80. Pay bills when you receive them so you don’t forget about them. 
  81. Check your credit score annually to make sure there are no errors or inaccuracies. 
  82. Use apps like Cheap Gas! or the website GasBuddy.com to check out where the cheapest gas is around you.
  83. Shop flea markets and dollar stores. 
  84. Instead of spending a lot of money on gifts for people, pick from the plenty of inexpensive gifts that are just as good. 
  85. Assess your subscriptions and see if you can get a cheaper plan. 
  86. Use up your daily deals, gift cards, and credits before they expire. 
  87. Download one of these money-saving apps
  88. Choose a savings account with a high interest rate. 
  89. Make sure you’re taking advantage of your employer’s benefits and discounts. 
  90. Use the power of compound interest to fund your retirement dreams - start stashing more money into your retirement accounts. 
  91. Wash your laundry in cold water. 
  92. Travel during the off-season to get cheaper rates on flights and hotels. 
  93. Buy generic drugs at Costco if you’re paying out of pocket. 
  94. Get your pet neutered and spayed at a shelter - the costs tend to be cheaper. 
  95. Consider a hostel or a vacation rental home instead of a hotel.
  96. Clean your household machines to keep them running efficiently. 
  97. Buy in-season produce to save. 
  98. Shop around for a home insurance policy to save.
  99. Make sure your health is covered by insurance to protect yourself from unexpected medical charges. If you don’t have a job, you can stay on your parents’ plan until you are 26. Here are other ways to shop for your own insurance.
  100. Create a $5 savings jar - whenever you have $5 in hand, drop it in the jar.
  101. Use a prepaid phone instead of signing up for a phone plan. 

Saving money can seem like such a gargantuan task. But if you take baby steps and implement some of these frugal changes slowly, you may not even realize that you’re actually padding up your bank account. Make these small changes in your life for a big difference in your net worth:

  1. Get a deep freezer so you have a place to store the items you buy in bulk and on sale. 
  2. Buy whole hams and have the deli guy slice it for cheaper cuts. 
  3. Get over-the-counter meds from Amazon - they tend to be cheaper.
  4. Automate money from your paycheck to your savings every month so you won’t be tempted to overspend. 
  5. Pick your own fruits from a local orchard for amazingly low prices. 
  6. Know what the average prices for common goods are so you can better comparison-shop. 
  7. Find affordable recipes for meals.
  8. Avoid out-of-network ATMs.
  9. Check your bills for mistakes. 
  10. Bring your lunch to work.
  11. Take public transportation as much as you can. 
  12. Save your change.
  13. Insulate your home to save on energy bills. 
  14. Use the stranger test to avoid impulse shopping. Picture a stranger offering you the cash value of the purchase or the purchase to you, and figure out which one you would pick. 
  15. Keep your home clean so you don’t have to buy expensive products to cut through the grime.
  16. Keep your home organized so you know what you have and won’t buy duplicates at the store. 
  17. Take a shopping list with you to the grocery store and stick to it.
  18. Don’t go to the supermarket hungry - it may cause you to buy more. 
  19. Try ethnic supermarkets. You may find cheaper fresh produce and meats. 
  20. Maintain your clothes to reduce visits to the dry cleaner.
  21. Grow your own food
  22. Make your own cleaning supplies, like detergent, dryer sheets, and multipurpose cleaners.
  23. Get a home energy audit.
  24. Cut out cable TV
  25. Max out an employer-matched 401K plan.
  26. If you’re a student, don’t skip class. You are paying for your education. 
  27. Restore or build your own furniture. 
  28. Exercise outside of a gym. 
  29. Use a rewards credit card instead of a debit card if you have a good handle on your spending.
  30. Buy used items
  31. Learn how to do your own home repairs
  32. When you’re eating out, drink water only and avoid sodas and other overpriced drinks. 
  33. Wait out luxury purchases so you’re not buying them on impulse. 
  34. Scour Craigslist for free things. 
  35. Swap clothing with your friends. 
  36. Use vinegar to clean your home. 
  37. Buy quality clothes so they last longer. 
  38. Be honest with your friends about your budget and when you can’t afford to do things.
  39. Use less of products, such as shampoo, detergent, and more. 
  40. Start looking well in advance for big purchases.
  41. Plan a trip early. 
  42. Focus on preventative care. 
  43. Try to always buy things at a discount, which means waiting for the items to go on sale. Some sites even let you tag your desired items with alerts that will notify you when they go on sale. 
  44. Get a thermostat. 
  45. Dry your clothes on a clothesline.
  46. Buy generic items. 
  47. Make your own snacks instead of buying them from the vending machine. 
  48. Know when to skip organic
  49. Store your leftovers and eat them the next day.
  50. Ditch bottled water and get a Brita filter ($11). 
  51. Use your local library’s services
  52. Use apps that let you talk and text for free
  53. Listen to music for free on Spotify and Pandora.
  54. Skip the alcoholic drinks on a night out, as they can add up. Instead, enjoy some drinks with friends at someone’s house beforehand.
  55. Pick afternoon showtimes for movies to get a cheaper rate. 
  56. Return any items you mispurchased immediately.
  57. Carpool with people to get to work. 
  58. Attend free events in your city.
  59. Host a board-game night instead of a night out.
  60. Throw a potluck.
  61. Skip a trip to the tailor and learn to do basic sewing fixes yourself. 
  62. Pick takeout over delivery. 
  63. Make your own meals or at least eat more homemade meals than you eat out. 
  64. Turn off lights and unplug electronics when not in use. 
  65. Make the most of the groceries you have before running out to get more. 
  66. Be smart about buying in bulk
  67. Avoid precut produce. 
  68. Make your own personal care items, such as lotion and mouthwash.  
  69. Don’t throw away items - upcycle them into these cool projects
  70. Sell the things you no longer need, instead of throwing them away. 
  71. Negotiate and haggle your way into getting a better price. 
  72. Try to go cash-only on the weekends. 
  73. Monitor your bank or Mint account regularly so you are spending consciously every day. 
  74. Explore your city instead of taking a trip. 
  75. Brush and floss every day to save hundreds or even thousands on dental bills down the road. 
  76. Skip the diamond for your engagement ring, or even buy a lab-grown one
  77. Unsubscribe to daily deal emails. 
  78. Be aware of roaming fees when you travel abroad. 
  79. Use WiFi when you can to conserve data on your smartphone. 
  80. Pay bills when you receive them so you don’t forget about them. 
  81. Check your credit score annually to make sure there are no errors or inaccuracies. 
  82. Use apps like Cheap Gas! or the website GasBuddy.com to check out where the cheapest gas is around you.
  83. Shop flea markets and dollar stores. 
  84. Instead of spending a lot of money on gifts for people, pick from the plenty of inexpensive gifts that are just as good. 
  85. Assess your subscriptions and see if you can get a cheaper plan. 
  86. Use up your daily deals, gift cards, and credits before they expire. 
  87. Download one of these money-saving apps
  88. Choose a savings account with a high interest rate. 
  89. Make sure you’re taking advantage of your employer’s benefits and discounts. 
  90. Use the power of compound interest to fund your retirement dreams - start stashing more money into your retirement accounts. 
  91. Wash your laundry in cold water. 
  92. Travel during the off-season to get cheaper rates on flights and hotels. 
  93. Buy generic drugs at Costco if you’re paying out of pocket. 
  94. Get your pet neutered and spayed at a shelter - the costs tend to be cheaper. 
  95. Consider a hostel or a vacation rental home instead of a hotel.
  96. Clean your household machines to keep them running efficiently. 
  97. Buy in-season produce to save. 
  98. Shop around for a home insurance policy to save.
  99. Make sure your health is covered by insurance to protect yourself from unexpected medical charges. If you don’t have a job, you can stay on your parents’ plan until you are 26. Here are other ways to shop for your own insurance.
  100. Create a $5 savings jar - whenever you have $5 in hand, drop it in the jar.
  101. Use a prepaid phone instead of signing up for a phone plan. 

Saving money can seem like such a gargantuan task. But if you take baby steps and implement some of these frugal changes slowly, you may not even realize that you’re actually padding up your bank account. Make these small changes in your life for a big difference in your net worth:

  1. Get a deep freezer so you have a place to store the items you buy in bulk and on sale. 
  2. Buy whole hams and have the deli guy slice it for cheaper cuts. 
  3. Get over-the-counter meds from Amazon - they tend to be cheaper.
  4. Automate money from your paycheck to your savings every month so you won’t be tempted to overspend. 
  5. Pick your own fruits from a local orchard for amazingly low prices. 
  6. Know what the average prices for common goods are so you can better comparison-shop. 
  7. Find affordable recipes for meals.
  8. Avoid out-of-network ATMs.
  9. Check your bills for mistakes. 
  10. Bring your lunch to work.
  11. Take public transportation as much as you can. 
  12. Save your change.
  13. Insulate your home to save on energy bills. 
  14. Use the stranger test to avoid impulse shopping. Picture a stranger offering you the cash value of the purchase or the purchase to you, and figure out which one you would pick. 
  15. Keep your home clean so you don’t have to buy expensive products to cut through the grime.
  16. Keep your home organized so you know what you have and won’t buy duplicates at the store. 
  17. Take a shopping list with you to the grocery store and stick to it.
  18. Don’t go to the supermarket hungry - it may cause you to buy more. 
  19. Try ethnic supermarkets. You may find cheaper fresh produce and meats. 
  20. Maintain your clothes to reduce visits to the dry cleaner.
  21. Grow your own food
  22. Make your own cleaning supplies, like detergent, dryer sheets, and multipurpose cleaners.
  23. Get a home energy audit.
  24. Cut out cable TV
  25. Max out an employer-matched 401K plan.
  26. If you’re a student, don’t skip class. You are paying for your education. 
  27. Restore or build your own furniture. 
  28. Exercise outside of a gym. 
  29. Use a rewards credit card instead of a debit card if you have a good handle on your spending.
  30. Buy used items
  31. Learn how to do your own home repairs
  32. When you’re eating out, drink water only and avoid sodas and other overpriced drinks. 
  33. Wait out luxury purchases so you’re not buying them on impulse. 
  34. Scour Craigslist for free things. 
  35. Swap clothing with your friends. 
  36. Use vinegar to clean your home. 
  37. Buy quality clothes so they last longer. 
  38. Be honest with your friends about your budget and when you can’t afford to do things.
  39. Use less of products, such as shampoo, detergent, and more. 
  40. Start looking well in advance for big purchases.
  41. Plan a trip early. 
  42. Focus on preventative care. 
  43. Try to always buy things at a discount, which means waiting for the items to go on sale. Some sites even let you tag your desired items with alerts that will notify you when they go on sale. 
  44. Get a thermostat. 
  45. Dry your clothes on a clothesline.
  46. Buy generic items. 
  47. Make your own snacks instead of buying them from the vending machine. 
  48. Know when to skip organic
  49. Store your leftovers and eat them the next day.
  50. Ditch bottled water and get a Brita filter ($11). 
  51. Use your local library’s services
  52. Use apps that let you talk and text for free
  53. Listen to music for free on Spotify and Pandora.
  54. Skip the alcoholic drinks on a night out, as they can add up. Instead, enjoy some drinks with friends at someone’s house beforehand.
  55. Pick afternoon showtimes for movies to get a cheaper rate. 
  56. Return any items you mispurchased immediately.
  57. Carpool with people to get to work. 
  58. Attend free events in your city.
  59. Host a board-game night instead of a night out.
  60. Throw a potluck.
  61. Skip a trip to the tailor and learn to do basic sewing fixes yourself. 
  62. Pick takeout over delivery. 
  63. Make your own meals or at least eat more homemade meals than you eat out. 
  64. Turn off lights and unplug electronics when not in use. 
  65. Make the most of the groceries you have before running out to get more. 
  66. Be smart about buying in bulk
  67. Avoid precut produce. 
  68. Make your own personal care items, such as lotion and mouthwash.  
  69. Don’t throw away items - upcycle them into these cool projects
  70. Sell the things you no longer need, instead of throwing them away. 
  71. Negotiate and haggle your way into getting a better price. 
  72. Try to go cash-only on the weekends. 
  73. Monitor your bank or Mint account regularly so you are spending consciously every day. 
  74. Explore your city instead of taking a trip. 
  75. Brush and floss every day to save hundreds or even thousands on dental bills down the road. 
  76. Skip the diamond for your engagement ring, or even buy a lab-grown one
  77. Unsubscribe to daily deal emails. 
  78. Be aware of roaming fees when you travel abroad. 
  79. Use WiFi when you can to conserve data on your smartphone. 
  80. Pay bills when you receive them so you don’t forget about them. 
  81. Check your credit score annually to make sure there are no errors or inaccuracies. 
  82. Use apps like Cheap Gas! or the website GasBuddy.com to check out where the cheapest gas is around you.
  83. Shop flea markets and dollar stores. 
  84. Instead of spending a lot of money on gifts for people, pick from the plenty of inexpensive gifts that are just as good. 
  85. Assess your subscriptions and see if you can get a cheaper plan. 
  86. Use up your daily deals, gift cards, and credits before they expire. 
  87. Download one of these money-saving apps
  88. Choose a savings account with a high interest rate. 
  89. Make sure you’re taking advantage of your employer’s benefits and discounts. 
  90. Use the power of compound interest to fund your retirement dreams - start stashing more money into your retirement accounts. 
  91. Wash your laundry in cold water. 
  92. Travel during the off-season to get cheaper rates on flights and hotels. 
  93. Buy generic drugs at Costco if you’re paying out of pocket. 
  94. Get your pet neutered and spayed at a shelter - the costs tend to be cheaper. 
  95. Consider a hostel or a vacation rental home instead of a hotel.
  96. Clean your household machines to keep them running efficiently. 
  97. Buy in-season produce to save. 
  98. Shop around for a home insurance policy to save.
  99. Make sure your health is covered by insurance to protect yourself from unexpected medical charges. If you don’t have a job, you can stay on your parents’ plan until you are 26. Here are other ways to shop for your own insurance.
  100. Create a $5 savings jar - whenever you have $5 in hand, drop it in the jar.
  101. Use a prepaid phone instead of signing up for a phone plan. 

Saving money can seem like such a gargantuan task. But if you take baby steps and implement some of these frugal changes slowly, you may not even realize that you’re actually padding up your bank account. Make these small changes in your life for a big difference in your net worth:

  1. Get a deep freezer so you have a place to store the items you buy in bulk and on sale. 
  2. Buy whole hams and have the deli guy slice it for cheaper cuts. 
  3. Get over-the-counter meds from Amazon - they tend to be cheaper.
  4. Automate money from your paycheck to your savings every month so you won’t be tempted to overspend. 
  5. Pick your own fruits from a local orchard for amazingly low prices. 
  6. Know what the average prices for common goods are so you can better comparison-shop. 
  7. Find affordable recipes for meals.
  8. Avoid out-of-network ATMs.
  9. Check your bills for mistakes. 
  10. Bring your lunch to work.
  11. Take public transportation as much as you can. 
  12. Save your change.
  13. Insulate your home to save on energy bills. 
  14. Use the stranger test to avoid impulse shopping. Picture a stranger offering you the cash value of the purchase or the purchase to you, and figure out which one you would pick. 
  15. Keep your home clean so you don’t have to buy expensive products to cut through the grime.
  16. Keep your home organized so you know what you have and won’t buy duplicates at the store. 
  17. Take a shopping list with you to the grocery store and stick to it.
  18. Don’t go to the supermarket hungry - it may cause you to buy more. 
  19. Try ethnic supermarkets. You may find cheaper fresh produce and meats. 
  20. Maintain your clothes to reduce visits to the dry cleaner.
  21. Grow your own food
  22. Make your own cleaning supplies, like detergent, dryer sheets, and multipurpose cleaners.
  23. Get a home energy audit.
  24. Cut out cable TV
  25. Max out an employer-matched 401K plan.
  26. If you’re a student, don’t skip class. You are paying for your education. 
  27. Restore or build your own furniture. 
  28. Exercise outside of a gym. 
  29. Use a rewards credit card instead of a debit card if you have a good handle on your spending.
  30. Buy used items
  31. Learn how to do your own home repairs
  32. When you’re eating out, drink water only and avoid sodas and other overpriced drinks. 
  33. Wait out luxury purchases so you’re not buying them on impulse. 
  34. Scour Craigslist for free things. 
  35. Swap clothing with your friends. 
  36. Use vinegar to clean your home. 
  37. Buy quality clothes so they last longer. 
  38. Be honest with your friends about your budget and when you can’t afford to do things.
  39. Use less of products, such as shampoo, detergent, and more. 
  40. Start looking well in advance for big purchases.
  41. Plan a trip early. 
  42. Focus on preventative care. 
  43. Try to always buy things at a discount, which means waiting for the items to go on sale. Some sites even let you tag your desired items with alerts that will notify you when they go on sale. 
  44. Get a thermostat. 
  45. Dry your clothes on a clothesline.
  46. Buy generic items. 
  47. Make your own snacks instead of buying them from the vending machine. 
  48. Know when to skip organic
  49. Store your leftovers and eat them the next day.
  50. Ditch bottled water and get a Brita filter ($11). 
  51. Use your local library’s services
  52. Use apps that let you talk and text for free
  53. Listen to music for free on Spotify and Pandora.
  54. Skip the alcoholic drinks on a night out, as they can add up. Instead, enjoy some drinks with friends at someone’s house beforehand.
  55. Pick afternoon showtimes for movies to get a cheaper rate. 
  56. Return any items you mispurchased immediately.
  57. Carpool with people to get to work. 
  58. Attend free events in your city.
  59. Host a board-game night instead of a night out.
  60. Throw a potluck.
  61. Skip a trip to the tailor and learn to do basic sewing fixes yourself. 
  62. Pick takeout over delivery. 
  63. Make your own meals or at least eat more homemade meals than you eat out. 
  64. Turn off lights and unplug electronics when not in use. 
  65. Make the most of the groceries you have before running out to get more. 
  66. Be smart about buying in bulk
  67. Avoid precut produce. 
  68. Make your own personal care items, such as lotion and mouthwash.  
  69. Don’t throw away items - upcycle them into these cool projects
  70. Sell the things you no longer need, instead of throwing them away. 
  71. Negotiate and haggle your way into getting a better price. 
  72. Try to go cash-only on the weekends. 
  73. Monitor your bank or Mint account regularly so you are spending consciously every day. 
  74. Explore your city instead of taking a trip. 
  75. Brush and floss every day to save hundreds or even thousands on dental bills down the road. 
  76. Skip the diamond for your engagement ring, or even buy a lab-grown one
  77. Unsubscribe to daily deal emails. 
  78. Be aware of roaming fees when you travel abroad. 
  79. Use WiFi when you can to conserve data on your smartphone. 
  80. Pay bills when you receive them so you don’t forget about them. 
  81. Check your credit score annually to make sure there are no errors or inaccuracies. 
  82. Use apps like Cheap Gas! or the website GasBuddy.com to check out where the cheapest gas is around you.
  83. Shop flea markets and dollar stores. 
  84. Instead of spending a lot of money on gifts for people, pick from the plenty of inexpensive gifts that are just as good. 
  85. Assess your subscriptions and see if you can get a cheaper plan. 
  86. Use up your daily deals, gift cards, and credits before they expire. 
  87. Download one of these money-saving apps
  88. Choose a savings account with a high interest rate. 
  89. Make sure you’re taking advantage of your employer’s benefits and discounts. 
  90. Use the power of compound interest to fund your retirement dreams - start stashing more money into your retirement accounts. 
  91. Wash your laundry in cold water. 
  92. Travel during the off-season to get cheaper rates on flights and hotels. 
  93. Buy generic drugs at Costco if you’re paying out of pocket. 
  94. Get your pet neutered and spayed at a shelter - the costs tend to be cheaper. 
  95. Consider a hostel or a vacation rental home instead of a hotel.
  96. Clean your household machines to keep them running efficiently. 
  97. Buy in-season produce to save. 
  98. Shop around for a home insurance policy to save.
  99. Make sure your health is covered by insurance to protect yourself from unexpected medical charges. If you don’t have a job, you can stay on your parents’ plan until you are 26. Here are other ways to shop for your own insurance.
  100. Create a $5 savings jar - whenever you have $5 in hand, drop it in the jar.
  101. Use a prepaid phone instead of signing up for a phone plan.