Outstanding money saving tips

Contents:
Introduction 8
1. HOLIDAY GIFT GIVING.................................................................................................................. 10
2. CLEARANCE ................................................................................................................................... 11
3. THRIFT / SURPLUS STORES ......................................................................................................... 12
4. WRAPPING PAPER AND BOWS...................................................................................................... 13
5. REUSE............................................................................................................................................ 14
6. LANDSCAPING............................................................................................................................... 15
7. BUDGET......................................................................................................................................... 16
8. PLAN .............................................................................................................................................. 17
9. BUY IN BULK................................................................................................................................. 18
10. ALLOWANCE .............................................................................................................................. 19
11. WHAT MATTERS TO YOU.......................................................................................................... 20
12. SETTING GOALS ....................................................................................................................... 21
13. BE REALISTIC........................................................................................................................... 21
14. FLEXIBILITY.............................................................................................................................. 21
15. INSURANCE............................................................................................................................... 22
16. COUPONS.................................................................................................................................. 22
17. CREDIT CARDS ......................................................................................................................... 23
18. MORTGAGE PAYMENT ............................................................................................................... 23
19. CREDIT CARD INTEREST .......................................................................................................... 23
20. PATIENCE.................................................................................................................................. 24
21. FINANCIAL CONSULTING.......................................................................................................... 24
22. BREAK OLD HABITS.................................................................................................................. 24
23. AVOID TEMPTATIONS ............................................................................................................... 25
24. THE RIGHT TIME TO SHOP ...................................................................................................... 25
25. MAKE YOUR OWN GIFTS.......................................................................................................... 25
26. BARTER SYSTEM ....................................................................................................................... 26
27. MATINEE................................................................................................................................... 26
28. COMPARISON SHOP.................................................................................................................. 26
29. STOP COMPETING WITH THE JONES ...................................................................................... 27
30. SALES CLERK COMPLIMENTS................................................................................................... 27
31. INCENTIVES REWARD PLAN ................................................................................................. 28
32. DOLLAR STORES....................................................................................................................... 28
33. DONT GIVE UP THE GOOD STUFF .......................................................................................... 28
34. UTILITIES ................................................................................................................................. 29
35. CHECK THE GARBAGE............................................................................................................... 29
36. WRITTEN PLAN.......................................................................................................................... 29
37. ATTITUDE ................................................................................................................................. 30
38. UNSECURED CREDITORS.......................................................................................................... 30
39. OFF-SEASON............................................................................................................................ 30
40. BUY VERSUS RENT OR LEASE .................................................................................................. 31
41. BUFFET MEALS.......................................................................................................................... 31
42. CABLE NETWORKING................................................................................................................ 31
43. PROPER MAINTENANCE ............................................................................................................ 31
44. COMPANY STOCK / 401K ....................................................................................................... 32
45. FAMILY HAIRCUTS .................................................................................................................... 32
46. WANTS VERSUS NEEDS............................................................................................................ 32
47. REFINANCE ............................................................................................................................... 32
48. GO GENERIC ............................................................................................................................. 33
49. STOCK UP................................................................................................................................. 33
7
50. SHOPPING FOR CLOTHES ......................................................................................................... 33
51. CARPOOL .................................................................................................................................. 34
52. TRENDY FASHION ..................................................................................................................... 34
53. FREE ENTERTAINMENT.............................................................................................................. 34
54. TELEPHONE / MOBILE PHONE ................................................................................................. 35
55. HOME REMEDIES ...................................................................................................................... 35
56. PAY ON TIME............................................................................................................................ 35
57. INSULATION .............................................................................................................................. 36
58. CANCEL SUBSCRIPTIONS ......................................................................................................... 36
59. CONSOLIDATE YOUR ERRANDS................................................................................................ 36
60. SELL YOUR STUFF ..................................................................................................................... 36
61. TURN YOUR HOBBY INTO MONEY ............................................................................................ 37
62. RECYCLE ................................................................................................................................... 37
63. HEATING AND COOLING........................................................................................................... 37
64. SHOP ONLINE ........................................................................................................................... 38
65. CONSIGNMENT SHOPS ............................................................................................................. 38
66. SELLING YOUR HOME ............................................................................................................... 38
67. STAY OUT OF THE MALLS ......................................................................................................... 39
68. CAR SHOPPING ......................................................................................................................... 39
69. CHECK RECEIPTS AND STATEMENTS....................................................................................... 39
70. CHALLENGE THE DOCTOR/HOSPITAL...................................................................................... 40
71. OVERDRAFT PROTECTION ........................................................................................................ 41
72. BANK ACCOUNTS...................................................................................................................... 41
73. ORGANIZATION........................................................................................................................ 41
74. GOOD HEALTH .......................................................................................................................... 42
75. AUTOMOBILE CARE................................................................................................................... 42
76. VACATIONS ............................................................................................................................... 42
77. ANNUAL MAINTENANCE............................................................................................................ 43
78. BORROWING MONEY ................................................................................................................ 43
79. REPAIR VERSUS REPLACE......................................................................................................... 44
80. DINING OUT............................................................................................................................. 45
81. PLAN MENUS............................................................................................................................ 45
82. COORDINATE EFFORTS............................................................................................................. 46
83. COMPUTER SOFTWARE ............................................................................................................. 46
84. LIFE SATISFACTION.................................................................................................................. 46
85. LIVE WITHIN YOUR MEANS...................................................................................................... 47
86. APPROPRIATE DEDUCTIONS..................................................................................................... 47
87. CHRISTMAS FUND..................................................................................................................... 47
88. PREVIOUSLY VIEWED................................................................................................................ 48
89. DINNER GUESTS....................................................................................................................... 48
90. INSTANT MESSAGING / MICROPHONE.................................................................................... 48
91. LONG DISTANCE CALLING ....................................................................................................... 49
92. FREEZE FOODS ......................................................................................................................... 49
93. BALL GAMES ............................................................................................................................. 50
94. DISCOUNT BOOKS.................................................................................................................... 50
95. BABY FOOD ............................................................................................................................... 50
96. SQUELCH THE SMOKING .......................................................................................................... 50
97. REBATE PROGRAMS .................................................................................................................. 51
98. SEASONAL BUYS....................................................................................................................... 51
99. POCKET CHANGE....................................................................................................................... 51
100. FREEBIES.................................................................................................................................. 51
101. SEE YOUR SUCCESSES ............................................................................................................. 52