1. Switch your bank accounts to a bank that respects you and your needs. Avoid spending your hard earned money on ridiculous maintenance fees. You also should consider a bank that offers the highest interest on your checking and savings accounts.
2. Turn off the television. Watching less television is one of the greatest ways to save money. The financial benefits to this include: less exposure to guilt-inducing ads, more time to focus on priorities, less electrical use, and so on. It’s great to unwind in the evening, but seek another hobby to do that.
3. Turn a critical eye to your “collections.” Most people collect something – what do you collect? Is your collection something that consistently brings you joy, or is it something that you just do out of habit? Consider the value of the collection. Does it have monetary value? Could you perhaps cut down on your spending on that hobby if it’s something that makes you neglect your priorities? Focus on cutting down on the things you don’t feel strongly about – if you dig into things that bother you, you’re going to eventually relapse.
4. Sign up for every free customer rewards program you can. Even if you rarely shop at that place, having a rewards card for that place will eventually net you some coupons and discounts. Basically, the master game plan for maximizing these programs is to create an email address just for subscription emails, collect every card you can (that doesn’t negatively impact your credit score), and then check that account for extra coupons whenever you’re ready to shop.
5. Make your own gifts instead of purchasing them from the store. You can make food mixes, candles, bread, cookies, soap, and all kinds of other things at home quite easily and inexpensively. These make spectacular gifts for others because they involve your homemade touch, plus quite often they’re consumable, meaning they don’t wind up filling someone’s closet with junk. To make your gift even better, include a personal handwritten note. This will make it even more special than anything you could possibly buy down at the mall, plus it saves you money.