Laura Bandito - How to Save Money & Live Frugally: Simple Tips to Budget, Spend Less, & Live Better

By Laura Bandito

Copyright 2019

Third Edition, License Notes

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This book is intended for personal reference material only. This book is not to be re-sold or redistributed to individuals without the consent of the copyright owner. If you did not pay for this book or have obtained it through illicit means then please purchase an authorized copy online. Thank you for respecting the hard work of this author.

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This author and or rights owner(s) make no claims, promises, or guarantees in regards to the accuracy, completeness, or adequacy of the contents of this book, and expressly disclaims liability for errors and omissions in the contents within. This product is for reference use only. Please consult a professional before taking action on any of the contents found within.

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Contents

Many people find it hard to save money mostly because doing so needs a lot of personal discipline on ones part. We have to say kudo to those who are doing their best to repay their debts and put up savings. Yes, saving money should be easy!

It is the very reason why weve prepared a list of highly simple, simple-to-implement ways you can use to begin to saving money right away. Never worry because theyre easy and simple doesnt mean they are hurdle free specifically over a period of time.

Find and Download money saving apps from your favorite app store. Most of apps used in saving money are free to download and use. Locating the apps from different app stores depend on the phone platform you are using. Target, for example provides a rotating menu of products on sale via their Cartwheel savings program and it contains coupons for apps.

Post purchase price comparing app like Walmart Savings Catcher can be used to scan your Walmart purchase receipt every time you visit Walmart store. The app will automatically compare the price of the products you purchased with prices from other outlets online. If the comparison finds a lower cost elsewhere, you will be reimbursed the difference and within no time your money will add up. Over time you are allowed to redeem at will.

Give other money saving apps found online a chance for example Ebates, Coupon Sherpa and Ibotta.

Make savings by purchasing used goods for those things that you want but dont necessarily need them new. Online stores such as ShopGoodWill, Craigslist, eBay or Amazon has thousands of pre-owned items with great prices and in very good shape.

Additional apps that you can use to save money by purchasing used products at discounted prices include Facebook marketplace, OfferUp and Poshmark. You can browse, sample and purchase used products that you need from the comfort of your phone.

You can also save money by going for gift cards since they are always discounted. A number of websites such as Raise and Cardpool.com provide various gift cards from retail store, air travel gift cards or restaurant cards for much lower prices compared to the actual market price.

Its called free money, friends. You wont be saving money by just pilling up gift cards you will not use. You will on the other hand be identified as the smartest shopper by buying discounted gift cards to take care of the dressing needs of your teenager as well as flight cost for an event or vacation you wouldnt want to miss out.

You can also make considerable savings by simply identifying cheaper cable Tv choices and re-negotiating your monthly charges with your Tv service provider. Alternatively still why not be among the many millions of Americans who are enjoying online streaming options such as Amazon Prime, Netflix and others. Always remember you are looking for simple ways to save money and any way is an option you can try.

You do not have you go to the gym to keep your cardio in shape. When that time comes in life that you cant just find yourself going to the gym to keep fit due to personal responsibilities, consider your favorite YouTuber might be anything from Yoga with Adriene, an array of keep fit videos and whats more they are free to use.

How to Ways to Save Money while Window Shopping

We call it retail therapy. We enjoy it but we need to be careful otherwise our banks will run dry. For real, shopping is enjoyable, therefore we are not suggesting you stop shopping completely. Instead, be a smart shopper.

We are after saving money right! Instead of going for brand name why not go for generic? We are just saying consider the alternative unless if its very necessary and you cant do without it. Therefore, always think of the cheaper alternative first. Take for example unless advised by your medic, generic medications work too. Other items you can consider generics include: baking ingredients, paper towels, trash bags and beauty products.

Never get carried by your feelings particularly when you stumble on that gorgeous item. Overcome that feeling of I must buy it now! maybe because you didnt plan for it. Have the power to move away from the scene and rethink your decision, it could just be what you needed to save that buck.

In cases where you had stumbled on something that would meet spending a lot of money at one go. We recommend you taking much longer time off to think say a day, two days or even a week. It will give you ample time to think things over and be more accountable and also time to compare prices elsewhere.

Dont carry your Credit Cards. A report by Carnegie Mellon indicated that having your credit card causes you numb to impulse buying. It therefore refers that having your credit card and making a habit of paying off your balance every month end, you will still be spending more even when you use credit.

A times debit card gives more freedom away from reality, attempt having cash upon visiting your preferred restaurants and stores. This way you will be confining yourself to spending as per your pocket ability in essence becoming cognizant of your bills. It disciplines you in advance of the days and times you keep your debit card with you.

Register to have a Library card. It may take you much effort to acquire a library card but the effort is worth it. Think of the amount of money you will save say per day of free movies, free downloads, free audiobooks and free books. Sure saving money made even simpler.

Only remember to turn back your stuff in before overdue date late fees charges can surely total up.

Clothing can really cost you especially when you seriously need to upgrade your wardrobe. Be creative while shopping for clothes, check from a variety of outlets such as your home consignment outlet, Facebook community group pages that trade in clothes or thrift stores.