You know, you have to save money, but we never quite seem to have at the end of the month or, worse yet, were still in debt. Live below the credit is more a matter of self-discipline. A few changes here and there, which lasts until all the necessary means for saving and investment. Some funds for less than $ 200 with a minimum contribution of about $ 50. Here is a list of opportunities to save money and less. * Open bank accounts, which have little or no cost. Do you have a cushion to avoid any reference checks. You can eat in life. Make sure your balance, at least avoid the provision of services. * Groped to prevent the banks for a transaction using their credit cards. If you have no other choice, planning, how much money you need a period, so it is to avoid excessive transaction costs. * See the credit cards. Make sure that those who have little or no annual fee. It is not too difficult to find, no annual fee. * Avoid store cards, because they are often the interest rate of six or seven points higher than the current credit card. * Do not choose a card exclusively on wage incentives or programs. These include the automatic bonus points and miles for air travel. This card can result in more money over time, as you can afford. * The most important thing is that interest is not necessary to pay the entire balance monthly. You can avoid hundreds of dollars in interest charges on an annual basis. * If you buy a car, buy from one to three years. A year-old car will be around 20% to 30% less than a new car. A machine for three years is a good buy because it is about half the price of a new car. A car, most in the first three years. After depreciation, the levels and lose less value. * Another good save buying a used car is that you can pay less for insurance. * When on vacation, should be in your host country, rather than television or even international travel. C'is often more convenient for their travel within the borders, as the costs of visas and passports at the border problems of exchange rates, photos, tropical medicine, and health insurance. Often people thousands of miles of travel, to view almost as spectacular as that which exists's next door. * You must be out of season holiday. Traveling at a time when everyone else at work or school and the staff actually happy to see you. You can also save 50% or more of whom are travel expenses. * Avoid the big cities and tourist traps, you'll save a ton for the prevention of these places, where more than eat, drink, sleep, and travel. If you decide to visit a big city, the view in a small town nearby. * If you have several debts with high credit card in order to consolidate their debts at a lower rate. * As the impulse purchase. The exercise of discipline. * The mortgage refinancing or debt with a lower rate. * Your vehicle refinancing loans at a lower rate. * Shop for auto insurance prices lower. You can make a big difference. * Reduce your phone bill, self-control of long-distance call. * Use a phone card for long distance or international calls. * Use your own good, if you shop. * Don't buy things just because they are for sale. * Wait until things to sell before buying. Keep a log, if the situation is to buy. Some articles are available seasonally. Questions shops, while some things for sale. * Buy generic or branded. Most of the time the quality is good. * Make sure a smoke alarm. This practice is extremely costly. * The maximum contribution for each year an IRA or your 401K. * Please note that payment of debt is also a way to save money. If you do not have any additional payment for the mortgage or a loan of 15 years instead of a mortgage of 30 years. The savings are huge. * Reduce the number of you eat. Often eat in a restaurant with the payment of a sum of money and more about the size of meals. For healthy meal and save money, eat at home. * Watch the video or DVD at home, instead of going to the cinema. Pop Popcorn own instead of paying much more for the theater Popcorn. * Test your entertainment and leisure. Many of them are very expensive to attend a. There are many others such as the fun and entertainment, covering the cost. * Don't try it with your friends and neighbors. Sometimes an apparent lifestyle of the rich, an illusion. These illusions have a quantity of debt. And 'much better peace of mind. Guard. There are always ways to save money. Early with the money that you know. The key is that the money for you, rather than spend.
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