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101 Money Saving Tips

Filed Under (Money) by User ImageBrian Hawkins (Check me out!) on 20-07-2008

101tips.jpg101tips_cd_cover.gifBack in April I wrote an article for another site that I no longer operate. I also converted it to an ebook (.PDF format). I hate to let all that effort go to waste so I’m republishing it here. I’m also offering the ebook free of charge - Includes Give-A-Way Rights. Right click and save as to download your copy.

101 Money Saving Tips

Looking for cost cutting tips or need to start pinching pennies on household expenses to save money? From frugal shopping tips to common sense spending habits, it’s all right here. I have scoured the net and racked my brain to come up with the best money saving and cost cutting tips I could come up with.

These are very simple tips for the frugal and money conscious. They’re not what I would call ‘Extreme Money-Saving Tips’ like ‘Eat out of the pan’ but I might make that list too.

1. Shorten the time you take in the shower.

2. Drop the home phone line and use the cell phone.

3. Switch to basic cable and get rig of the premium channels.

4. Get your DVDs from the library rather than renting them.

5. Teach the family to ‘turn it off’ when not in use.

6. Walk or ride a bike when you can.

7. Cut and fertilize your own lawn.

8. Buy a water filter instead of bottled water.

9. Avoid car repairs at the dealer unless it’s under warranty.

10. Sell unwanted items on eBay instead of throwing it away.

11. Trade baby sitting services with family and friends.

12. Use coupons wisely by only buying what you need.

13. Pack your lunch.

14. Eat breakfast before you leave home.

15. Eat before you go grocery shopping.

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Winning The Money Game

Filed Under (Money) by User ImageBrian Hawkins (Check me out!) on 15-06-2008

Financial Peace UniversityYears ago I was an over the road truck driver. Mile after quiet and sometimes boring mile there was little to do behind the wheel. You had a CB and a stereo. This was before the laptop, MP3 player, even the cheap cell phone. One thing that carried me through thousands of trips was talk radio. I loved to listen to talk radio as I crossed the country, everything from politics to business and finance.

I had an atlas of the United States and Canada where I marked favorite sites and stops. The pages were also loaded with my favorite local radio stations complete with names and times. I used this atlas to route my trip and plan my times. I would try to pass through a particular city during the peak times of my favorite shows.

One of those shows was “The Money Game” out of Nashville, TN. Nashville was a common city for me and I remember sitting in truck stops eating behind the steering wheel or in the sleeper listing to the Money Game.

That life of spending weeks on end away from my family running freight across the county is a thing of the past and I couldn’t be happier. Just last week I was glad to revive a small part of that life when I noticed a road side billboard here in Michigan. It was an ad for the “The Dave Ramsey Show”. I knew that name, Dave Ramsey, but I couldn’t remember from where. I made a mental note to tune into the radio station at 7PM when the Dave Ramsey Show started, according to the ad. It took only minutes to realize I was listening to the guy from my old Nashville radio show.

Now I’ve been making it a point to listen frequently and just today I decided to go through his Financial Peace University. I purchased the Financial Peace University Member Kit and the Starter Special with Budgeting Tools from the DaveRamsey.com website. I can’t wait to get the package and start putting the lessons to work. I have a feeling this will be one of the better investments that I’ve made in some time. It has to be better than that memory foam pillow top  mattress set I bought last week that is making me want to stay in bed all day :)

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