Tip #201: Take advance of employer pension and investment matching programs.
Many employers will match your 401(k) or other investment contributions. Take advantage of these programs by putting a larger portion of your income directly into your investment account.
Tip #202: Increase your insurance deductible.
Increasing your auto insurance deductible will significantly reduce the premium you pay on a monthly basis.
Tip #203: Don’t always submit insurance claims.
Before you submit an insurance claim, decide whether or not it is worth it. For instance, will the $500 you avoid paying out of pocket be less than the amount you will pay in higher premiums?
Tip #204: Apply for 0% interest credit cards.
Whenever possible, get a 0% APR credit card and transfer your high-interest credit card debt to that card.
Tip #205: Eliminate expensive sources of debt.
Not all sources of debt are created equal. Eliminate the ones that incur massive financing charges by paying them off first or by taking out a consolidation loan to eliminate them.
Tip #206: Go to a health fair to get reduced-cost services.
Health fairs often offer steeply discounted rates on physical check-ups, blood-pressure checks, and other routine medical procedures. Take advantage of these to save some money.
Tip #207: Don’t go to the ER or use other high-cost medical services.
Instead of going to the Emergency Room, schedule an appointment with a doctor. This could save you hundreds of dollars.
Tip #208: Use do-it-yourself medical testing for routine procedures.
In many cases, using a do-it-yourself healthcare kit can be an inexpensive alternative to visiting a doctor. See what tests are available for your situation; and decide whether or not it is worth it.
Tip #209: Look for free healthcare services.
Next time you see a free health clinic or some other free health care service, take advantage of it.
Tip #210: Argue insurance claims against you.
Next time you are involved in a car accident, work hard to state your case. Do not simply allow the insurance companies to hear the other person’s version of the story.
Tip #211: Be sure to state your case clearly and in a detailed manner to insurance companies.
Call your insurance company and work with the person involved in your claim. Make sure that you do not get stuck with fraudulent claims that are unrelated to your accident.
Tip #212: Purchase new eye glasses whenever deals become available.
From time to time, companies will offer steep discounts on eye-glasses. Whenever these become available, take advantage of them to secure a new pair of glasses.
Tip #213: Do teeth-whitening at home with store-bought products, rather than paying for professional services.
Rather than paying for professional teeth-whitening services, purchase a store at a convenience store and use it at home. This can save you hundreds of dollars and produce comparable results.
Tip #214: Make use of dollar stores.
While much of the inventories of dollar stores are frivolous items, some things are truly useful. Look for these items and save.
Tip #215: For home-cooked meals, avoid pre-cut foods and chop the foods at home instead.
Purchasing foods before they are cut will save you a large chunk of money. Get in the habit of doing this.
Tip #216: Pay attention to receipts.
When you’re at the register, pay attention to each item’s price as it is rung in. Also, check the receipt after you’re finished to make sure you were charged correctly for each item.
Tip #217: Complain if the scanned item’s price doesn’t match price on the shelf.
In some cases, the prices will not have been updated in the store’s system; and, as a result, the scanner won’t pick-up a discount. Make sure that you ask for the discount in these cases.
Tip #218: Make money by bargain buying and reselling on eBay.
Look at the bargain bin in clothing stores and other retail outlets. Get bargain items and then resell them on eBay.
Tip #219: Setup an eBay store.
One way to gain a reputation on eBay and to speed along your sales is to create a store. Do this to sell your bargain bin merchandise.
Tip #220: Buy products at government auctions and resell them on eBay.
If you want to make money without putting down a large investment, consider buying products at a steep discount at government auctions; and then reselling them on eBay.
Tip #221: Use inexpensive methods to promote your business, such as online advertising.
Instead of using expensive promotional methods, try to use targeted advertising for your brick-and-mortar business, such as online, contextual ads.
Tip #222: Advertise your business or services through flyers with rip-off numbers.
Advertise your brick-and-mortar business or your services through flyers with rip-off numbers.
Tip #223: Locate scrap metal and sell it at a scrap yard.
Scrap yards are often willing to pay hundreds of dollars for large pieces of aluminum or other metals. Consider using sites like Craigslist to locate pieces of scrap metal, so that you can pick them up and resell them.
Tip #224: Offer to drive co-workers and friends to mutual locations if they are willing to cover part of the gas.
Whenever possible, try to setup a carpool with your friends and co-workers. This will allow you all to share the cost of gas and of wear-and-tear on the car.
Tip #225: Create and sell content online.
If you’re good at writing, consider writing articles, ebooks, or reports—and then selling them online.
Tip #226: Work through Elance.com as a consultant.
If you want to make money online, consider working as a consultant in your area of expertise on Elance.com.
Tip #227: Find freelance writing projects online.
Find freelance projects on Elance.com and other sites to make money in your spare time.
Tip #228: Pick up freelance programming projects online.
Use sites like rentacoder.com to pick up extra programming jobs to make more money in your free time.
Tip #229: Offer to sell your friends’ and neighbors’ stuff on eBay for a small commission.
Know someone who has some extra junk lying around in her home? Offer to sell it online on eBay for a small commission.
Tip #230: Create a CafePress store and sell t-shirts or other merchandise.
CafePress allows you to create your own products, such a mugs, t-shirts, and bumper-stickers. If you’re a creative person, create your own store and then use it to sell your personalized merchandise.
Tip #231: Sell affiliate products using Commission Junction.
Sell both electronic and tangible products as an affiliate using sites like Commission Junction.
Tip #232: Use Linkshare.com to sell tangible products as an affiliate.
Some of the largest and most respected corporations sell their products through independent affiliates on linkshare.com. Consider creating an account and selling their products through your existing website (or creating a new website to do so).
Tip #233: Sell individual stock photos.
Take photographs of everyday things, such as sunsets, sunrises, buildings, animals, and nature scenes. Sell these individual photos on a stock photo site.
Tip #234: Sell stock photo lightboxes.
If you’re a good photographer, create a lighbox of photos for a particular theme and then sell it on a stock photo site.
Tip #235: Work as a blogger for pay.
Using Elance.com or another site, find a site administrator who needs a full time blogger. If you’re a good writer who can come up with clever blog entries, this is a good way to make money.
Tip #236: Sell support services for Open Source software.
Since anyone can legally do it, consider providing paid support for Open Source software, such as OpenOffice or WordPress. Use forums to market your services.
Tip #237: Sell WordPress templates.
If you’re a reasonably good programmer and have an eye for design, consider creating and selling WordPress templates. Good templates can fetch as much as $25 a piece.
Tip #238: Offer remote software help services.
If you’re tech-savvy market your services via Elance.com as a remote software installer or trouble-shooter. Services such as these can fetch as much as $50/hr.
Tip #239: Buy and sell websites.
Using sitepoint.com and other online site marketplaces, buy, develop, and resell sites. If you’re good at it, this can be an excellent way to make money.
Tip #240: Invest in “virtual real estate.”
Instead of investing all of your savings in stocks and bonds, put some of it into domains, fully developed sites, or other forms of virtual real estate.
Tip #241: Sell banner advertising on your website.
If you have a site that generates traffic, consider selling banner advertising space on it to generate revenue.
Tip #242: Sell cost per click (CPC) ads on your site through Google AdSense.
Instead of selling banner ads, consider selling CPC advertising through Google AdSense on your site.
Tip #243: Sell CPC ads on your site using YPN.
Consider using YPN, rather than AdWords, to generate revenue for your site.
Tip #244: Use PayPerPost and review products on your blog for money.
If you have a popular blog, consider using PayPerPost, which will pay you to review products on your blog.
Tip #245: Develop and sell sites.
Instead of purchasing, developing, and selling sites, start with the development phase. Pick a niche, develop a viable site, promote it, and then sell it.
Tip #246: Create a site network to make money.
Instead of creating just one site and reselling it, create a network of sites that complement each other. For instance, you might create a niche social networking site to generate traffic; and you might then funnel that traffic into a retail site.
Tip #247: Create your own forum.
Pick a niche, create a forum, and then create that forum. Once you have built up a large number of members, resell it on sitepoint.com or another site marketplace.
Tip #248: Purchase and grow a forum.
Instead of developing your own forum, purchase someone else’s forum, improve it, send traffic to it, and then resell it.
Tip #249: Sell your services on Sitepoint.com.
In addition to selling your services on Elance.com and Guru.com, sell your services in other places, such as sitepoint.com.
Tip #250: Find a talented member of warriorforum.com to work as an apprentice for.
If you’re looking to develop entrepreneurial abilities in the long run, consider working as an apprentice (for free) for an entrepreneur from warriorforum.com or another popular marketing or business forum.
Tip #251: Create an ebook and sell it.
If you’re an expert on a topic and a good writer, create an ebook and sell it online for a relatively cheap price.
Tip #252: Create a report and give it away for free.
If you have an existing site, create a short PDF report and give it away for free. Inside of the report, include links that point to your site, so that everyone who reads the report is exposed to your site.
Tip #253: Sell a hardcover book.
If you already have a ebook that is selling well, consider converting it into a hardcover book via a self-publishing site; and then resell it.
Tip #254: Create and give away video content to promote your site.
In addition to giving away free reports, also consider giving away video content. You can make it using Camtasia or Camstudio.
Tip #255: Create and give away audio content to promote your site.
Use free software to create audio content. Use this audio content to promote your existing website, so that you make more sales.
Tip #256: Create an email list.
Whether or not you own a website, consider creating an email list; and then marketing products and services to that list.
Tip #257: Pitch to your email list.
If you have an email list, sell affiliate products to your list for a commission or create new products to sell to it.
Tip #258: Sell ads on your email list.
In addition to pitching affiliate products and your own products to email lists, consider allowing other business owners to pay to advertise on your email list. If you have a large list, this can be quite profitable.
Tip #259: Do arbitrage on eBay and other auction sites.
Use eBay to find unusually cheap products. Resell those same products on eBay or other auction sites at a higher price.
Tip #260: Work as a copywriter for an Internet marketer.
Find an Internet marketer in need of a copywriter either on warriorforum.com. Offer to do the copywriting work at a steep discount.
Tip #261: Sell your copywriting skills on Elance.com.
In addition to selling your skills to marketers on the Warrior Forum, consider selling your copywriting services on Elance.com, too.
Tip #262: Work as a freelance pet-sitter for families in your area.
Find families in your area who need a pet-sitter. Offer to take the job.
Tip #263: Sell professional dog-walking services.
Consider selling dog-walking services to families in your area. This can be very profitable—especially if you are able to walk several dogs at the same time.
Tip #264: Do freelance landscaping work, such as lawn mowing.
Pick up odd jobs as a landscaper. Offer to mow lawns, trim the grass, and kill weeds.
Tip #265: Shovel or plow driveways.
In the winter, offer to shovel or plow driveways. This will work especially well if you have a plow and a truck, as you can pick up an easy $20 by plowing a short driveway.
Tip #266: Get a part time job at a department store and take advantage of the discount.
Department stores often offer large discounts to employees. Get a job at one of them and take advantage of the discount to purchase everything cheaper.
Tip #267: Work as a caddy at a golf course.
While working as a caddy may seems like a menial job, it can often generate good connections in the process. Consider doing it at your local golf course.
Tip #268: Seek out joint venture partners.
If you have a business or a product, seek out joint venture partners to promote your business, to franchise it, or to expand it along some profitable dimension.
Tip #269: Save 10% of your income.
If you want to save money, commit to putting at least 10% of your income away initially. Over time, consider increasing this amount.
Tip #270: Put your saved money into long-term investments, so that you can’t withdraw it.
If you have a hard time preventing yourself from spending money, use investment accounts that incur fee if you withdraw money early. This will give you an incentive not to cheat.
Tip #271: Setup money to be automatically withdrawn from your bank account and placed in a mutual fund or investment account.
In order to facilitate saving, setup your bank account so that money is automatically sent to an investment account after your paycheck is deposited.
Tip #272: Don’t carry cash.
Having cash available will make you more likely to spend it. Instead, try to carry very little cash.
Tip #273: Set goals and follow through.
When it comes to saving, setting goals is vital. Decide where you want to go, commit to it, and then follow through.
Tip #274: Buy books and clothes from thrift stores and resell them online.
Go to thrift stores where second hand furniture and articles of clothing are sold. Buy them at a steep discount and then resell them on sites like eBay and Amazon.
Tip #275: Provide proofreading services for students.
If you’re a good writer, consider offering proofreading services for college students for a nominal fee. You can do this at a local university or by seeking out students on sites like Elance.com.
Tip #276: Work as a paid forum poster.
If you already like posting on forums, consider taking a job as a forum poster. Usually, you will be assigned to a niche and to a set of forums; and you will then need to meet a certain quota for forum posts each day.
Tip #277: Become a paid site administrator.
If you have good programming and site management skills, consider becoming a site administrator for a number of different small Internet-based companies. You can find these jobs through freelance sites and on forums.
Tip #278: Program a useful script and sell it.
If you have programming skills, create a useful script and sell it in a hungry marketplace, such as a related forum.
Tip #279: Hire a programmer to develop a script and resell it.
If you don’t have programming skills, hire a developer to create the script for you. And then market it and sell it yourself.
Tip #280: Develop a Facebook application.
If you have an interest in developing applications, consider developing one for a massive platform, such as Facebook.
Tip #281: Sell script installation services.
If you don’t have development skills, but are able to install scripts for sites, offer that service for a low fee on business forums and on Elance.com.
Tip #282: Do paid directory submissions.
Offer to submit sites to link directories for a fixed price. Do this on webmaster forums and on freelancing sites.
Tip #283: Work as an SEO consultant.
If you have experience in site promotion, consider working as a freelance SEO consultant. While this might not be a full time job, it might not be a bad way to pick up some extra income.
Tip #284: Work in freelance data entry.
Data entry is a simple job that usually does not require any high-level skills. Consider picking up data entry jobs on Elance.com to do when you have spare time.
Tip #285: Rent a server and allow people to purchase storage space.
To make some extra money, consider renting a server and then using that server to sell storage space to people who own and run Internet-based businesses.
Tip #286: Work as a domain name speculator.
Buying, holding, and reselling domains can be highly profitable if you do it correctly. Consider working as a domain name speculator to make some extra cash.
Tip #287: Create a subscription site in a niche that interests you.
If you have a strong interest in a particular niche, consider creating an online subscription site that provides information, software, and books related to that topic.
Tip #288: Design and sell site logos.
If you have knack for website design, consider designing and selling logos for webmasters on sites like sitepoint.com.
Tip #289: Sell clip art.
Similar to tip 288, but with clip art.
Tip #290: Sell customized avatars for forums.
Similar to tip 288, but with forum avatars.
Tip #291: Broker link exchanges between sites for a fee.
In order to generate traffic, sites need to get inbound links from high-PR, high-traffic sites. Consider working to broker exchanges and sales between sites that want to acquire links from high PR sites.
Tip #292: Eliminate credit card debt before investing.
When it comes to investing, try to eliminate all of your credit card debt before putting money into investment. Since the interest rate on your credit cards is higher than your return, the best investment you can make is to eliminate it.
Tip #293: Eliminate debt in order of the size of the interest rate.
When you eliminate credit card debt, do it in order of the size of the interest rate. Highest interest rates should go first.
Tip #294: Take on a moderate amount of risk when investing.
Whenever you invest, take on at least a little bit of risk. Otherwise, you are unlikely to earn anything more than a 0% return.
Tip #295: Don’t put all of your money into bonds.
As with tip 294, don’t approach investing too conservatively—especially if you are investing for a far-away retirement.
Tip #296: Stop scaling your consumption up when your income rises.
When your income rises, add more to your income, rather than to your consumption.
Tip #297: Practice frugality in all your choices.
In all choices in your life, practice frugality. Try to look for a cheap, but good-enough option, rather than the most expensive option.
Tip #298: Don’t try to “keep up” with your friends.
Stop trying to “keep up” with your friends by spending more. Instead, accept that the newest, largest TV and a new car simply may be out of your financial reach.
Tip #299: Live simply.
Practice living simply and finding enjoyment in simple, inexpensive activities. Do not rely on money to bring happiness.
Tip #300: Create a budget and follow it carefully.
Instead of allowing ad-hoc spending to rule your life, create a monthly budget and follow it carefully. Unless you have a very good reason, do not deviate.
Tip #301: Budget with your spouse.
If you’re married, budget jointly with your spouse. Instead of shifting money between you, figure out how much you have together and determine your financial decisions jointly.
Tip #302: Update your budget at least once monthly.
At least once a month, re-consider the budget you have created and decide whether you have allocated the right amounts to the right categories. If it is unrealistic or puts too much into a particular category, re-adjust your budget.
Tip #303: Use the lowest octane fuel permitted for your car by your owner’s manual.
If your car does not require high-octane fuel, then don’t use it. It does nothing to help your car and is more expensive.
Tip #304: Shop around for cheaper homeowner’s or renter’s insurance.
Don’t simply take the first option you get for renter’s or homeowner’s insurance. Instead, try to find a company that offers the right type of coverage and at a price you can afford.
Tip #305: Avoid taking out home equity loans.
Home equity loans are a good way to ensure that you never pay off your mortgage and never own your home. Unless you need to take one out to cover medical bills or something similarly important, do not get one.
Tip #306: Periodically shop around for a re-finance.
From time-to-time, look around to re-finance your mortgage. You could save a tremendous amount in monthly payments through a tiny interest rate reduction.
Tip #307: Adjust your tax withholding to give yourself a raise.
In many cases, your tax withholding will be too high. Take the time to adjust it, so that you can have the money now—rather than when you pay taxes.
Tip #308: Switch to paperless notifications for your bills.
Many companies will take $5-10 off of your bill when you use paperless notifications exclusively. Do this with all of your bills.
Tip #309: Use the library, rather than purchasing new books.
Instead of buying new books, use the local library or the university library to check out the book.
Tip #310: Look for DVDs at the library, rather than renting them.
Use the local library to borrow DVDs, rather than paying $5-10 to rent them for a few days.
Tip #311: Sell your car and use an e-carpooling connection service to get to work.
Use an e-carpooling service to find rides to work. Usually, you can do this without having a car, as long as you are willing to pay for gas.
Tip #312: Check to see whether or not your checking account is insured by the Federal government.
If the Federal government insures your account, then you will not be at risk of losing money if anything happens to the bank, which you are using to save.
Tip #313: Shop around for the savings account that offers the highest yield at little to no risk.
Most savings accounts bear little to no risk. Take advantage of this by finding the savings account that offers the highest return.
Tip #314: As you get older, shift more of your money from stocks to bonds.
As you get closer to retirement, move your money away from risky equities and into government and AAA-rated bonds. Your average return will be smaller, but you will hedge against losing a large portion of your net worth with few working years left to recover it.
Tip #315: Set aside money for savings before you allocate money to any other budget category.
Consider saving first and spending later. Intuitively, this might seem backwards, but in reality, it is an excellent habit to develop.
Tip #316: Develop good saving habits.
Get in the habit of putting extra money into your savings whenever you have it, rather than finding ways to blow it.
Tip #317: Start saving early.
Instead of waiting until you are in your 30s or 40s to start saving for retirement, start doing it while you’re young. Compound interest will make this investment deciding pay off.
Tip #318: Get a free savings account.
Instead of getting a savings account that requires various fees and payments, look for a free account. In most situations, if you are keeping at least $100 in the account, you can do it for free.
Tip #319: Try to negotiate a lower rate in exchange for using direct deposit.
Some banks will give you incentives to use direct deposit and electronic transfers, rather than check-cashing. See if you can use this as a bargaining chip to negotiate lower fees.
Tip #320: Credit cards that offer rebates or rewards might not always be the best option.
Even if a card offers 3% cash back, it might not be the best card for you. Consider other dimensions of the card, such as its APR and its annual fee.
Tip #321: Set saving goals.
Decide how much you want to save before you hit 30, 40, and 50. Make specific goals and try to keep them.
Tip #322: Execute your saving goals.
When it comes to your saving plan, execution is key. It is one thing to say “I want to have at least $60,000/yr to live off of after I retire” and it is another thing to make it happen. Don’t let yourself drift too far when trying to execute your savings plan.
Tip #323: Set goals for your business.
If you own a business, set goals for its growth and development. Instead of letting things drift, force them to move in a favorable direction.
Tip #324: Set personal finance goals.
When it comes to personal finance, keep yourself on track by creating goals. For instance, set a goal to create and stick to a monthly budget. Or set a goal to not miss a single bill (or pay late) for an entire year.
Tip #325: Periodically assess how well you have kept your goals.
On a regular basis, decide whether you have lived up to your business and financial goals. If you’re doing poorly, ask why. And also think about how you can improve.
Tip #326: Stay consistent with your saving habits.
From time to time, we convince ourselves that we don’t need to save when our lives become financially difficult. However, in reality, we are setting ourselves up to cycle between good and bad saving behavior.
Tip #327: Find a better job.
One important way to increase your income is simply to find a better job. If you’ve been working at the same place for 10 years and have received few raises, consider leveraging your experience and switching to a job that is willing to pay you more.
Tip #328: Don’t buy things you cannot afford.
In general, a good way to save money is to avoid buying things you cannot afford. If you can’t afford a big screen TV without paying for it with credit, then don’t buy it.
Tip #329: If you’re a student, buy paperback versions of textbooks.
As a student, textbooks can be incredibly expensive. For this reason, you should try to hunt down paperback and pre-owned versions on half.com, Amazon.com, and other book resellers.
Tip #330: Buy electronic versions of tangible products.
If a product comes in both a tangible and electronic form, opt for the electronic form. It will often be considerably cheaper.
Tip #331: Check retailmenot.com for coupons prior to checking out.
When purchasing items on online retail stores, check retailmenot.com to determine whether or not there are any coupons available for that store.
Tip #332: Recycle your old clothing into things you need.
If you have old clothing that you do not wear, consider recycling it into something you need, such as a wall decoration, a wallet, or a bracelet.
Tip #333: Use old decorations in new ways.
A vase that holds flowers can become a vase that holds decorative sand or beads. Be creative in using old decorations to make new ones.
Tip #334: Use book trade-in websites to get new books.
Use a book trade-in site to exchange your old books that you’ve already read for new ones. This is an excellent alternative to constantly purchasing new books.
Tip #335: Use trade-in websites to get new DVDs.
Similar to 334, but with DVDs.
Tip #336: Use trade-in websites to get new CDs.
Similar to 334, but with CDs.
Tip #337: Unplug electronics when not in use.
When not in use, many electronics still consume energy if they are plugged in. So, from now on, unplug energy-sucking appliances when they are not in use.
Tip #338: Use a powerstrip with your electronics in your entertainment center.
Use a powerstrip with all of the electronic devices in your entertainment center. When not in use, click off the power strip.
Tip #339: Shut the water off while you brush your teeth.
Saving water can reduce your utilities bills. So next time you brush your teeth, remember to shut off the water, rather than letting it run.
Tip #340: Spend less time in the shower.
As with tip 339, try to conserve water by spending less time in the shower.
Tip #341: Bottle your own water.
Instead of purchasing expensive bottled water, fill a water bottle up using the tap in your house.
Tip #342: Use rechargeable batteries.
Instead of constantly buying new batteries, purchase rechargeable batteries, which will last for many cycles.
Tip #343: If you have a young child, use cloth diapers.
If you have a young child, consider using cloth diapers, rather than plastic diapers to save on costs.
Tip #344: Use the Internet at the library.
Instead of paying for an Internet connection at home, use the Internet at the library.
Tip #345: Use public goods and services.
Make use of public goods and services, such as public wifi stations.
Tip #346: Take advantage of free promotional offers from local businesses.
When businesses offer free food and drinks or free promotional productions, take advantage of these offers.
Tip #347: Water your lawn less frequently.
To save on your utilities bills, try to water your lawn less frequently.
Tip #348: Use powdered juice mixes, rather than soda.
Instead of purchasing bottles of soda, drink tap water mixed with powdered juice. This will be considerably less expensive.
Tip #349: When traveling, stay at a friend’s house, rather than a hotel.
If you’re planning to go on vacation or to visit friends or family, plan to stay at someone’s house, rather than in a hotel. You could save hundreds on a week-long trip.
Tip #350: Use couchsurfing.com to find places to stay while traveling.
If you don’t have anyone to stay with on your next trip, use couchsurfing.com to locate people who are willing to host visitors in their homes.
Tip #351: Keep an eye on social media sites, such as Twitter, for limited time offers.
Many businesses, including retail stores, airlines, and others, offer limited time offers on Twitter. By taking advantage of these brief offers, you can save hundreds of dollars.
Tip #352: Fill surveys to get free stuff.
Today, many companies offer free products and cash in exchange for filling out surveys. Do this wherever possible.
Tip #353: If dissatisfied with a product or service, contact the company.
If you are unhappy with a product or service, you could consider contacting the company who produced it. In many cases, they will be willing to offer a refund or free products.
Tip #354: Try samples of new products before purchasing.
Before you make a large purchase, try out a free sample. For instance, drive a car before you buy it. Or taste-test an expensive wine or food before you purchase large quantities of it.
Tip #355: Print photos at a local store, rather than using an expensive photo printer.
Instead of purchasing an expensive photo printer, print your photos at a local print shop. Typically, this is cheaper than paying for photo printer ink.
Tip #356: Use an over-the-air TV, rather than cable.
If you are short on cash, get rid of cable and use over-the-air TV instead. This can save you hundreds over the course of a year.
Tip #357: Contact your TV and Internet provider for the most recent bundles and deals.
If you feel like you might be paying too much for your TV and Internet, contact your cable company to find out about the most recent deals. You may find that similar packages are now available at a much lower price.
Tip #358: Don’t let your batteries for electronic products drain down to 0%.
Do not allow batteries for your electronics to drain down completely on a regular basis. This will decrease the long term total life of the battery.
Tip #359: Search Craigslist or eBay for used goods.
If you need a new shelf or a new tire for your car, look first on Craigslist and eBay before you go anywhere else. You will not only be able to comparison shop more easily, but you will also save a lot of money.
Tip #360: When grocery shopping, look for “day old” food that is now on sale.
Day old food, such as bread, is often sold at a sharp discount in the grocery store. Look for this section to get big discounts.
Tip #361: Take your pets to a non-profit vet.
Non-profit vets often offer considerably lower rates. Seek one out before you go to for-profit vets.
Tip #362: Eat in. Don’t order out.
Instead of ordering food, eat at home. This will save you money; and may even save you the time you’d spend waiting around for a delivery.
Tip #363: In the winter, seal windows with plastic wrap to save money on heating.
Insulating your home better can drastically reduce your energy costs. One way you can do this is by covering windows with plastic.
Tip #364: Only heat or air-condition the part of the house you are using.
If you’re not using a room, then don’t pay to heat or air-condition it. Instead, shut off the heater or air conditioner.
Tip #365: Check online for free, local forms of entertainment.
Before you drop hundreds of dollars on entertainment, first see if you can find local entertainment through online announcement services. In many cases, you will be able to find free events in your area that will provide just as much fun as you could get from an expensive night out.
Conclusion
You’ve now read 365 tips for living frugally, saving your money, making more money, and investing your money wisely. Only you know which of these tips can transform your life, and which are best ignored.
So keep this document close, choose your tips selectively and wisely; and then actually stick to advice in the tip once you have decided to follow it.
When it comes to making good personal finance decisions, a plan is important. But the plan alone will not get you to your destination without clean execution, hard work, and tough decisions.
And with that, I leave you to grow your wealth, to achieve financial security, and to become happy with your life and your decisions.
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