Sometimes it seems impossible to start a savings
account, or to grow one if you already have it. You
work hard for your money, which goes towards
utility bills, insurance, and paying off your credit
cards or major purchases. How can you ever get
ahead, unless you push yourself to take another job instead of sleeping? These simple tips will
help you put aside extra money every month.


1. Pay yourself first. You’ve probably heard this phrase a lot as a
working young adult, but do you understand
what it means? Basically, whenever you get paid,
transfer money to your savings account first. Even
if it’s only ten dollars a paycheck, transfer it!
That’s money you’re guaranteed to save. Use the rest to pay bills, and if you’re not quite making
ends meet, then cut out some of the non-
necessities you might pay for each month, like
seeing a movie in a theater or going out for
drinks. The more you look at these expenses and
cut down on them in the coming months, the more you’ll be able to up how much you “pay”
yourself! 2. Find new ways to have fun. Once you look at how you spend your money,
you’ll be able to find new ways to have fun. Rent
movies instead of going to the theater. Have
friends over for drinks instead of going to a bar.
Experiment with brewing different types of coffee
instead of spending $5 on a single cup. 3. Take advantage of what’s free. Cities often have fun, free events to take
advantage of. Some cities have free summer
concerts so you can hear a band for free instead
of paying a cover charge to hear the same band at
a club! The zoo and certain museums also have
free days or special free after-work events. And don’t forget — the library is always free! Why buy
an expensive hardback and only read it once,
when you can get it from the library for free? Also,
libraries usually have extensive DVD collections so
you can rent movies for free! 4. Buy used. If you do want to own a book or movie, instead of
using the library consider purchasing media more
affordably at used bookstores, half.com, or use
Paperback Swap, where you can send your old
books to someone who wants to read them, and
get books you want to read sent to you! 5. Have a yard sale. There might be things you can’t sell on half.com
or eBay because shipping costs don’t make it
worthwhile. In that case — a yard sale! This is the
perfect time of year for it; summer yard sales are a
great way to make a couple hundred bucks a pop!
It’s an easy way to get rid of stuff you don’t need anymore, while you make some money! 6. Conserve. Summer is also a great time to conserve utilities.
Those extra hours of daylight mean you don’t
have to use lamps and overhead lights as much.
You can also keep windows open to get fresh air
and a great cross breeze — at least until it gets
burning hot. It’s great for the environment and means your utility bill will be a lot lower! 7. Keep a grocery list. It’s too easy to go into the grocery store without a
list and come out with a ton of junk food, and
maybe half the ingredients you need for three
dinners. Keep a running list of what staples you
need to replenish and plan meals for the week
before you go to the store. This way you’ll buy exactly what you need and nothing more. Earn a
personal bonus if you use coupons, or you plan
meals around sale items in the paper! Make
enough to have leftovers for lunch, and you’re
saving money on two meals every day! 8. Change your services. It always seems like the best deal to bundle your
services, but sometimes you’re stuck with
something you don’t use — would you like a
landline along with your cable? Paying for
something you don’t need is throwing money
away every month. Instead, reassess each monthly bill you have. If you have Wi-Fi at home,
check and see if you can downgrade your
cellphone plan to include less data, since you can
use your own internet in the house. That one
change can save you a hundred dollars a month! 9. Ask for discounts. This one can be tough, but it works! Whenever
you’re in the checkout line, especially if it’s for a
service, like at a car dealership or with a
repairman, ask if the clerk can give you a
discount. You can get ten or twenty percent off of
many things just by asking — if you’re a regular customer! It might seem uncomfortable at first,
but it’s probably just as uncomfortable for the
clerks, because instead of saying no, they’ll give
you something off! 10. Cancel club memberships. Go through your wallet and see how many
membership cards you have. Do you use them?
Cancel them if you don’t! Do you have a
membership to a big-box store? Add up your
receipts and see if the discounts you save when
buying products in bulk justify the annual membership fee. Also think about how often you
use these products, and if you’ve seen coupons
for them at other places. You might be able to
save more money when you buy them at smaller
stores, in smaller quantities throughout the year!
Do you go to the gym enough to justify the cost? If you don’t go too often, consider quitting the
gym and working out outside. Go for walks or
runs in the neighborhood; run up and down
stairs, and save the monthly fee! 11. Know your employee benefits. Go to Human Resources and ask to see what’s in
your benefits package. You might know about
health, dental, and vision benefits, but there
might be perks you don’t know about until you
ask! Some people have found that their employee
package includes tickets to the company’s box at sporting events, special prescription discounts,
and more! 12. Buy generic. Speaking of prescriptions — always ask for
generic. The drugs are basically the same except
for one major difference — the price! Generic
drugs are often less than ten dollars, whereas the
brand-name version can cost five times more!
This goes for food, also. The store brand of most products is just as good as big-name brands, and
way cheaper! The store also discount these
products often and offer more coupons for them. 13. Practice preventative health. Regardless of how good your health coverage
may be, it never hurts to practice preventive
health! Eat right, work out, get enough sleep, and
cut down on vices like smoking and drinking.
You’ll stay healthier without frequent doctor’s
visits where co-pays will cut into your cash. Brush and floss your teeth so you won’t have any
surprises at the dentist. Not only are dentist visits
not the most fun thing, but dental work can be
very expensive, and sometimes only a portion will
be covered by insurance. Take measures to be as
healthy as possible to avoid these unexpected fees that could wipe out your savings account. 14. Repair instead of re-buy. If the sole of your shoe is coming off, try to glue it
back together before dropping another seventy
bucks on shoes. Use duct tape to patch up things
around the house. Stitch up rips in shirts and
other garments to keep wearing them rather than
replacing them. Even if you’re not a star seamstress, simple tears can be sewn without
making your garment look like Frankenstein! And
if you’re really averse to sewing, look up
seamstresses at local dry cleaners — may be
cheaper than buying a new garment. 15. Match what you buy. If you are going to buy something, match what
you spend and deposit it in your savings account.
This is similar to paying yourself first, but with an
added win-win benefit! If you want to spend $5
on a cup of coffee, go right ahead — but put $5
in savings, too! That way you get the coffee you crave, but also put money into savings. Do this
with anything you buy; if you can’t afford to buy a
$600 TV and put $600 in savings, then you don’t
need the TV. 16. Have specialized accounts. Most people have a checking account and a
savings account, but what about other accounts
for certain expenses? This is especially helpful if
you have trouble paying your rent and car
insurance every month. For example, when you
get paid, put a certain amount in an account for rent, a certain amount in an account for car
insurance, and know you’re taking your phone bill
out of your checking account. 17. Make sure your bank doesn’t charge fees. If you have all these specialized accounts, make
sure your bank doesn’t charge fees! Overdraft fees
are common, but you shouldn’t have to pay if
your account balance goes below a certain
amount, or pay for a certain amount of
withdrawals or checks written. If your bank charges fees like these, ask around until you find
one that doesn’t. Even if the interest rates aren’t
as high, you’ll still save money by not having to
pay unnecessary fees. 18. Have a waiting period. Instead of buying something spontaneously, give
yourself a waiting period and make sure you still
want or need it. You can wait at least 48 hours,
but a week works really well. If you’ve forgotten
about the item, you don’t need it! With some
major purchases, you can even wait a month. That gives you time to earn more money in the
meantime. Usually if you can do without
something for a month, you don’t really need it. 19. Put your change in a jar. Everyone says this, right? It doesn’t seem like it
adds up to much, but it’s something you just start
doing and forget about. Before you know it, you
have a huge jug of change! Instead of taking it to
a change counting machine in a grocery store, try
taking it to your bank. The machines at the store often take a cut of your change, which is an
unnecessary expense! Some banks have their own
change machines now which don’t charge you if
you’re an account holder. Even if your bank
doesn’t have a counting machine, you can still
deposit your change and make sure all of your money stays yours!

bros, u jus waste our writing space o!
c long post abeg..

Which kain jagajaga writeup be dis?

Nice write-up did u come up with this? If yes send an email to samueltom19@gmail.com for a writing job