Tips to Save Money and Spend Less

If you find yourself short on cash, lost in debt, spending more than you make or just not saving anything at all, peruse my top tricks for spending less, saving money.

• Learn how to do home repairs yourself
• Get a roommate or move to a cheaper home
• Get a cheaper car, downsize to one car for the family or use a bike, walk, public transportation or carpool
• Stop eating out or only eat out with coupons or specials
• Conserve electricity
• Conserve water
• Mow the lawn and do gardening yourself
• Use cloth napkins and washcloths instead of napkins and paper towels
• Wash everything in cold water
• LOAD that dishwasher. Seriously. LOAD it to the max
• Buy all your clothes on SALE

• Pay attention to sale flyers from your favorite stores
• Use Sunday paper Coupons and Printable Coupons
• Stack store coupons with Manufacturer coupons (ex: Target.com coupons with Coupons.com coupons) for super deluxe savings!
• Grow fruits and veggies
• Trade fruits and veggies with others that grow them
• Join a Food Coop
• Freebie/bargain shop using deal websites
• Use your store rewards/club cards
• Use Amazon.com "Subscribe and Save" - for discounted staple items.
• Stockpile groceries when you get an incredible deal.
• Piggy back warehouse store membership by going with someone who has one or sharing a membership and going together.

Great sites for Deals:

Mommy On The Money

- My blog about the good life on a budget.

Mojosavings

- Consistantly delivers deals and freebies

• Pay off credit card debt
• Refinance your home

Here is my Strategy:

How to Eliminate Credit Card Debt

• Sell pictures online at Fotolia.com or Bigstockphoto.com
• Sell writing online, here at Hubpages.com or Squidoo.com or plenty of other writing sites that share ad revenue or do up-front payments to you for your writing.
• Have a garage sale
• Sell your crafts online at Etsy.com

• Use cash back/rewards credit cards

My FAVORITE Cash Back Cards:

Citibank Dividend Card

Amex Blue Cash Everyday Card

• Go through shopathome.com for all online purchases. It will reward you with a percentage of cash back.
• Shop Craigslist.com for furniture. I got a $5000 bedroom set for $1000, there!
• Make gifts instead of buying
• Stockpile gifts that are on sale