Public transportation will alleviate the expenses of buying gas, maintenance, and parking. It may be more cost effective not to rely on a car at all. To save even more money, buy a used bike. This may also help you stay in shape and it will be less costly than the upkeep, maintenance and gasoline for a car.
If your climate, schedule, and location are suitable, bike to school/work.
BUDGET PLANNING IDEAS FOR FREE
If you and your friends need the same books or several titles, try buying your purchases together to save on shipping or even qualify for free shipping.īike to school/work. There are numerous websites where you can buy, sell, or even swap books. Some financial institutions have ATM agreements that allow you to use specific machines without a charge – learn what’s available to you to save money.īuy used books. If you can, bank locally and use your financial institution’s ATM for cash withdrawals so that you won’t be charged a fee. If you do miss a payment, call the creditor and ask to have the late fee waived.Īvoid ATM fees. Late fees add up and they may have a negative effect on your credit rating. Additionally, use credit cards that don’t charge an annual fee.Īvoid late fees. Avoid carrying a balance on your cards this will save you money, as you won’t be charged interest. Design menus based on weekly sales and take advantage of manufacturer’s coupons. Join your market’s “shopper’s club” to take advantage of weekly specials. If you go to the store, bring a list to minimize impulse buying and browsing time. Buying groceries online may save you time. Not only will you save time and money, but you may also eat better. Being short on time and having irregular hours will be less stressful if you have easy, healthy, homemade food with you. Not only are all those bottles terrible for the environment, but they’re also expensive.īag your lunch.
Your wallet and your waistline will thank you. If you really must pay for coffee, consider opting for a smaller size or limiting yourself to plain drip-coffee instead of fancier drinks. You’ve probably heard this before endless cups of coffee from a coffee shop can really increase expenses. Make your own coffee or tea and buy a thermos. You may even get a few new recipes or meal ideas. A cooking co-op is not only a more social way to spend your meal, but it saves time cooking. Join a cooking co-op or cook several portions at once to freeze for a later date.
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