Worried of the economic degradation United States is experiencing! In this scenario of depression in investors as well as common person, there is a reason to wake up your smile. There are many ways to save some money in the year 2013. Here are 13 ways to save money:
Ways to Save Money in 2013:
1.Avoid excess appending in groceries and try cooking something that does not ask you to go to the grocer or the supermarket. Cook with what you have in your kitchen store.
2.Discontinue a service. You can cancel your TV cable and some bucks per month. Wait for you favorite shows to come into your DVD library.
3.Restrict yourself until January the next year before paying donations. Donations can be a big deduction from your savings. If there is a tax hike, wait until the next year and pay the donations in January rather than paying it on December 31.
4.Reduce your ATM fees by using your debit card at the supermarket and they may offer you a $50 cash back or so. If you need something for your home, better buy it directly through credit card than taking out cash through an ATM. When out of town and you use an ATM to withdraw cash, your bank might charge you $1.57 on average as well as the ATM provider would also charge you a fees of $2.50.
5.Stay on your New Year resolution and charge yourself a dollar whenever you break a resolution. All the family members should learn to put away the laundry and put all these money aside for a goal.
6.Teach your kids as how to save money. Kids understand if the parents are going through hard time. If your child is old enough to understand your financial condition, you should be straight and upfront while discussing about your present financial status. Support from your family members and children can work a big deal.
7.Bulk buying is another option to save some money. Buy things when they are at sale or at low prices. This would a good idea but stop over stuffing your refrigerator.
8.Do not clip coupons. This tip however might not seem a good suggestion to many of you. People join facebook groups of brands and sign up for e-mail stories. They get bombarded with offers to save money but realize that buying stuff does not allow you to save money but you actually lose money. Therefore, stay away from such offers. When using your coupons have a look at your budget and necessity. Do not get pulled away by the deals if you do not actually need something.
9.After changes in the funds in 2011, you might require to have a prescription from a doctor to get reimbursed as a part of flexible spending account for buying the over-the-counter medicines. Nevertheless, you have about 32,000 services and items that would be reimbursed by the FSA FUNDS.
10Make yourself believe that you will retire one day and you need to save enough amounts before that to live make your future safe and secure.
11Choose a day in a month when you spend no money. This will help you get into the habit of restricting yourself. It will save you some bucks that can be utilized later in your life.
12Check for the initial of the serial number of each of your $1 bill. Try to save bills that start with a special alphabet like the initial of your name. This will give a support in saving some money.
13.Have a bank account that is far from your home. Probably you will not go so far to withdraw money. This will save you from any extra expenses. However, having a debit card for the same bank would ruin this tactic. Try not having a debit card for that account or if you have one keep it in the locker of your safe and not in your wallet.