A Penny Saved is a Penny Earned

     Some people rely on their banks to tell them when they have spent too much, or if they have a little extra as a result of rewards. For me, I am one of those people always trying to save money. My children notoriously ask me, “Mom, give me some money for this or that?” If I feel like it is something they “need,” then I find the way to make the purchase. It may not be that day, but it comes. As for the children, they ask for it. If I tell them it is rather expensive, and that item is not a necessity, then I tell them “no”. They then go through the begging and pleading stage. It then comes to the question, “Mom, do you not have it, or do you have it in your rat-hole money?” I am not a mean parent, but I try to buy things based on a rewards system.”  I watched people and asked others this week “how do you save money when you shop?” What I got was both ways to save money normally and not so normal ways to save money!

1. Use coupons and rebates from newspapers and magazines. Use rebates you get when you earn cash in your spare time, free! 

2. Save money on cell phone purchases!

Did you know that you can save $100 or more by not renewing and upgrading your cell phone service at the store? Instead you can buy cheap cell phones online from Amazon.com and do it all with them.

3. Save money with the library!

Pay for things that the library offers for free. If you can get past the frequently outdated décor, public libraries are home to a wealth of resources. 

4. Buying used stuff always saves money!

This is one of my favorite creative ways to save money. I first learned the power of this back in college, when I discovered that I could get my textbooks for free, by buying and selling them at Amazon.

5. Simplify your wardrobe.

Don’t buy clothes that will only work as one outfit. Look for clothes that you will be able to wear with many other things, creating multiple outfits 

6. Make money with your clutter

It is easier than you may think: eBay, Craigslist and Amazon.com.

7. Maintain stuff

Even if you buy the best stuff, if you don’t maintain it, you will not save you as much money as it could. To make it even easier schedule most of your maintenance all on one day with a Car Day. 

8. Save money on exercise

You can get much cheaper access to a gym and use it for gyms. Spend a wonderful afternoon or morning walking or riding at Lincoln Parish Park.

9. Regularly Shop Insurance Rates now there is something to be said for finding a top-rated 

10. Use Cash-Back Debit Cards

My 2% cash-back debit card is my new favorite financial product.

11. Live in smaller homes

For some reasons, Americans just love to assume that bigger is better with just about everything. Often just by throwing junk away and spending time organizing storage areas and closets, you may realize that you DO have a big enough living space; it just needed a little organizational love. A lot of money can be saved by living in a smaller place. 

12. Buy a used car

You can save a lot of money on car depreciation by purchasing a car 2 years old or older. Some cars can lose as much as 35% in value during the first year. It’s best to drive a car as long as you can especially if you do purchase them new.

13. Shop after the season

Shop for holiday cards, decorations, and gift wrap as the season ends, and keep them for next year. We do this and then we are set for next year. 

14. Shop when no one else wants to

If you are considering a new home, remember the best time to buy is in the dead of winter, when other buyers huddle inside. You can save 5 percent off the peak-season price.

15. Save money on your home entertainment

You can now watch many TV programs or if you rent a lot of movies one, of the best ways to save money is to use Netflix or online video rentals. 

16. Buy jewelry from a discounter

If you haven’t purchased jewelry in a while, you may be interested to know that the jewelry industry is going through some major changes. Many direct importers are selling rings themselves at much better prices than you could get from the traditional stores. 

17. Save money at the hospital

I didn’t realize hospitals would be honest most times, but check your bill when it comes. There was a time Scott came in for a “stomach or gastroesophageal” problem. When the bill came, we were billed for a cast, and a medical shoe.

18. Go out to dinner for half price

I love to try new restaurants, but since it is quite an expensive hobby – it is nice when you can save a few bucks. Enter the Entertainment Book. Also consider Groupon.com or Restaurant.com who sells $25 gift certificates (with restrictions) for $10 to thousands of restaurants across the country. 

I am certain you have your own ways of savings, as I have mine. Whatever the trick, stick to it, or share them with your fellow friends, neighbors, or in this case, readers with the economy the way it is these days, every penny saved, you know you have earned it.

        Published February 23, 2012, Ruston Daily Leader, The Park Bench.

Published by touring from the park bench

A blogger, columnist, educator, researcher, social media enthusiast, and writer with a zest for knowledge; Brenda is the founder of "Touring from the Park Bench"; formerly the column and now, the blog. Her diversified background has enabled her to research and write in Arts and Sciences, knowledgeably and creditably. Her writing themes include Behavioral Sciences, Christianity, Criminal Justice, Education, Fitness, Healthcare and Informatics, Lifestyle, Psychology, and Sociology. Brenda thrives on researching and learning, which has enabled her in work in Technical Writing and Communications for over five years. Though varied in her traits, she has considered the distinctions of others, as a contribution, an honor, and a privilege to behold. She acknowledges her acceptance through collaboration and communication with professionals in other disciplines, forming meaningful partnerships through the culmination of challenging projects. She feels It is through interaction that awareness, integration, and success in finding solutions to mutual problems are constructed. She sees adaptability as her best characteristic, and modesty as her worst. She currently lives in Florida with her youngest daughter and her chihuahua. She has professed in words life lessons such as learning the day is scarier than the night, for you will see the harm that befalls you, and betrayal is painful. She's learned unconditional love is never stronger as seen in the very young and in the very old. She's learned no matter what emotion a person is experiencing a cuddly puppy can make you re-evaluate so much. She's learned the only certainty in life is death- so, be ready. She's learned the most experienced emotions are forgiveness, grief and hope, and that patience is the most taught virtue. She often finds nature as deeply overwhelming and has come to realize how important grounding is for the body and soul. It’s the fleeting moments people don’t take advantage of like when caught in a rainstorm, when snowflakes begin to fall and melt as soon as they touch the warmth of your skin. AUTHOR'S WORDS~ "Have you ever watched over a cocoon, as it changes into a butterfly, or a rose bud as it blooms? It is almost like watching your children grow, all too quickly, they aren’t children anymore, and neither are you. Live life while you can for you do not get a second chance.”

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Google photo

You are commenting using your Google account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s

%d bloggers like this: