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5 Money Saving Tips

Now that you’re out in the real world, you’re probably discovering that saving isn’t as easy as it used to be. Putting a dollar or two in your piggy bank each month just isn’t cutting it any more, is it? Here are five easy-to-implement saving tips to help you build up your savings.

  1. Save it.

     You’ve probably already heard how you need to pay yourself first each paycheck. It’s no joke. Start by having money automatically deposited into a savings account each payday or stashing some away yourself each month. If you do this before you start paying bills or going out to eat, you won’t even notice it missing and the money will start adding up quickly. 
     
  2. Play hard to get.

    Talk to your cable, cell phone, utility or insurance companies and tell them you’re thinking of going with the competition. You’ll be surprised how quickly they’ll find ways to reduce your monthly bills!
      
  3. Avoid credit.

    While it may be tempting to whip out your credit cards every time you buy something, don’t do it. Don’t buy anything on your credit card that you can’t pay off by the end of each month. Those interest rates are killer and will eat away at your savings. 
      
  4. Take control.

    Read your credit union or credit card statements each month to see exactly what you’re spending and if there are any fees you didn’t know about. The more you know, the more control you’ll have over your money. 
      
  5. Ignore the neighbors.

    Not in a mean way, of course! But stop comparing yourself to them. There will always be someone that has a nicer car or better flat screen TV than you do. The sooner you learn this lesson in life, the better off you’ll be in the long run.