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101 ways to save $ 500 per month

101 Ways to Save $ 500 or more each month

Remove all fats not the pleasure of your budget

Bryan Daly

This special report will give you 101 ways to save money on everyday items.

Shopping

# 1 a week per store - It is a known fact that grocery stores are set up specifically to make you spend more than you intention. Impulse purchases can increase your grocery bill by as much as 35%. To avoid this, once a week shopping and a slash average $ 143 off your food bill.

Shop Online # 2 - Better yet, avoid the store all together by buying household necessities on the Internet. Due to reduced overheads, online retailers are generally able to offer the same products found store in a brick and mortar for a lot less. Add to the fact that you can often eliminate the sales tax and find deals for free shipping you can kiss high shopping bills goodbye. Get free shipping and coupons http://www.freeshipping.org.

Bottle # 3 water at home - Americans are obsessed with water, spending more than X billion a year on bottled water. Save $ 42 or more per month by investing in a water filtration system, bottling and clean water at home. Not only will you keep more money you win, but you do a favor for the environment by reducing the amount of bottles that end up in landfills.

# 4 Buy in seasonal products - We all know that eating five servings of fruits and vegetables every day is good for you. But buying product that is out of season is bad for your wallet. You'll save between 20-50% simply by going with the flow of nature and eat what is in season. Visit http://www.fruitsandveggiesmorematters.org/ find a list of fruits and vegetables in season.

# 5 Buy organic selective - While healthier for you than conventional fruits and vegetables, organic products can cost up to $ 2.00 higher than those from farms using conventional production methods for crops. Reduce the amount of pesticides you ingest any maintaining a healthy budget going to http://www.foodnews.org and learning that produce contains the most pesticides and those who are not and purchase accordingly.

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Buy Private Label # 6 - The private label products in most stores are just as good if not better than, versions of the same brand products. You can save an estimated $ 15 or more by switching to store brand canned food, batteries, analgesics, beauty products and commodities such as nail polish remover.

# 7 Search Jobs Online - In addition to using coupons paper, go and look for virtual coupons, discounts and deals online. Sites like, CouponMom.com FreeShipping.org and are excellent places to go to find coupons, free shipping offers and even earn a few dollars.

# 8 Get a Virtual Shopping Assistant - If you like shopping, but lack the time or inclination to browse the Internet or sales documents offline for good deals, sign up to ShopItToMe.com. This site will you can register to be notified whenever your favorite designers on sale at popular retailers such as Nordstrom.

# 9 Loyalty Reward Points and use - Taking advantage of loyalty programs and points. These programs allow you to accumulate points that you can use to buy merchandise or travel. Most programs also send coupons and notices of deals to members.

# 10 Second Hand Shop - Buy used goods smoothly the second hand shops can earn you a certain brand name goodies to 50-75% off the normal retail price. Objective of this avenue is ideal for DIYers with time and expertise to make a nightstand old still hot.

# Shop With Eyes Only 11 - Although it is preferable to avoid the temptation in the first place, if you go to the mall or a store to avoid handling of goods you do not intend to buy. According to two marketing professors, teachers Joann Peck (University of Wisconsin-Madison) and Suzanne Shu (UCLA) touch products increases our sense of them, which makes it more difficult to leave the store.

# Disadvantages Yourself 12 - You're much more likely to spend more if it is easy for you to shop. If you only need a few items, Use a basket in hand rather than a trolley. Only need one or two things, ditch the cart completely.

Work

# 13 Pack a lunch - The average cost of a fast food meal is $ 6.00. Not only does eating in strings of hamburgers and tacos increase your waistline, but they can empty your wallet. When cooking dinner, doing more and then take remains to work with you for lunch.

# 14 Reimbursement of transportation - Have your company on a network transportation program that allows you to put money before tax in a prepaid account for transportation costs such as parking fees and transportation costs in common. You can set aside up to $ 230 per month will net you a savings of about $ 80 per month.

# 15 Carpool - Carpooling not only a great way to catch up on gossip in the office, you can reduce your travel costs so dramatically by sharing a ride with a buddy of office. Just ask around the office for people who live near you who might be interested or visit Erideshare.com to help find fellow commuters in your area.

# 16 Ride a Bike - Cycling to work is not only a money saving alternative to driving, it is also greener and a great way to get your daily dose of exercise. Buying a good quality bicycle around $ 500 and riding to work on days when the weather is nice you can achieve net savings of $ 250 per month.

# 17 Start Your Own Home Based Business - Starting a home business is good for the soul and portfolio. Since you work at home, all the money you spent on gas, clothing and restaurants will go back to your bank account. It is important, however, to start the right kind of business. see also tax benefits, this site

Vehicle

Demotion # 18 - Do you really need more cars? While owning two cars can be very handy, you pay for two times the cost of fuel, insurance and maintenance of a household with one car. Get a boost of cash by selling it. If you can not live without a second car, upgrade to a more economical option, as an escort or Camry.

No. 19 The limit Speed - Speed demons pay more in fuel costs. The faster you drive fewer miles per gallon you will be able to sneak out of your gas tank. Going the speed limit can save you up to 23% a month.

# 20 keep your tires - tires properly inflated reduces drag and improves fuel consumption. Check your tires weekly with a pressure gauge to ensure they remain the tire pressure recommended by the manufacturer for an increase of 3% of your mileage.

# 21 Get the Junk Out of the Trunk - Conduct a hundred pounds of unnecessary items in the trunk of your car can reduce your consumption of nearly 2%. Dump the extra load to increase fuel efficiency.

# 22 being a safe driver - Aggressive driving is not only illegal in most states, but can cost you. Constant acceleration and deceleration havoc on your fuel consumption. In addition, drivers aggressive are involved in more accidents resulting in higher premiums. Give your wallet a break and drive safe.

Family

# 23 Share a babysitter - Pull out on the town a little less expensive by sharing a babysitter with friends. Since there will be more children than you can pay the babysitter a higher rate but is less than what you would pay separately. For example, $ 20 an hour against Combined $ 15 an hour separately.

# 24 Swap guard duties - or better yet make child care and custody of trading with other couples with children. Children have more fun playing with their friends and you'll have more money to spend your evening.

# 25 Swap duties Pet Sitting - In the same vein, instead of taking Fido to a kennel when you go out of town leave him with a fellow pet owner in exchange for the return the same favor. Your pet will have a more comfortable place to stay and you have enough money to bring him a souvenir of your trip.

# 26 Make your children less stressful - There are several tax advantages that you may be eligible as a parent. For example, the Child Tax Credit gives you an additional $ 1000 per child in seventeen in tax credits. A qualified accountant can help ensure you enjoy all the deductions you qualify.

# 27 Enjoy spending Flex - Even if 85% of employers offer flex spending accounts, only 6% of eligible workers take advantage of the program. It's leaving money on the table. Flex spending account allows you to put pretax dollars into an account that can be used to pay for child care (up to $ 5000) including day camps and health care costs ($ 3000 - 5000 $ Depending on the employer.

# 28 Just Say No - It is estimated that over a five year time, parents provide about $ 59,000 of financial assistance to their adult children. Make children pay their way by reducing or eliminating the money you give.

College

# 29 Bypass College Library - Retailers such as Barnes & Noble, are in the school books on the market and you can often find books less. In addition, students can save themselves the headache of trying to sell their textbooks at the end of the semester by renting them from Chegg.com or CampusBookRentals.com.

# 30 Get a realistic plan for meals - The chances are pretty slim that your child will actually use the full meal plan. Really, who eats cafeteria food, a Friday night? Instead of forking over a fortune for a full meal plan downgrade to a plan for 7 or 14 meals. Your student will still have access to food more nutritious than soda, candy and food and you save a few dollars.

# 31 Take advantage of discounts for students - Students are eligible for all sorts of discounts particularly on travel. Invest in a Student Advantage card which marked the 10-15% discount off air, train and bus fair. The card will pay for itself on the first trip.

# 32 Deductions for medical expenses - you may be able to deduct medical expenses for spouses and dependents if they exceed 7.5% of your gross income. This includes tuition and related fees for special schools for pupils may need to attend to developmental disorders or learning disabilities. A qualified tax advisor can give you more information about the code.

Services for Individuals

# 33 Repair instead of replace - Stretch your dollar shoes while spent kicking a repair shoes. Replacing worn soles and repair tips on the heels is a lot cheaper distribute hundreds of dollars on a new pair of shoes.

# 34 Hand wash - Most of the clothes say cleaning Dry only can be machine washed or hand washed. Cut the budget dry cleaning by hand washing silks and sweaters in cold water. Linens can be put into the machine. However, bright colors like red and navy must still be sent to the cleaners.

# 35 Stretch It Out - Make hair color last by using a touch-up kit to the roots of color. You can add two weeks of life your dye job.

# 36 Go to a beauty school - For basic services, like a manicure or a glass base, a ditch the expensive salon and go to a beauty school. You will receive a discount off the deep beauty in exchange for letting the students improve their skills. Do not worry, students are monitored by experienced staff who ensure that they do not work right.

# 37 Take Pet Grooming Schools - even grooming pets can also be relegated to a school grooming rather than going to an expensive salon company. The animals received the same treatment fours at lower cost.

# 38 Work Out cheaper - Trade your expensive gym membership for the YMCA. You get the same workout as much as half cost. If you're especially motivated to search online for free training routines you can do in your home.

# 39 Pharmacies Switch - Save money on your medications from cheap generic drugs in pharmacies such as Walmart or Target.

# 40 GB of mail - If you need the brand name drug, then consult your plan medical service mail. You can often get the same medicine for less than buying it by mail rather than go into a pharmacy.

# 41 Silver Plug Leaks - Be careful where your money goes by logging all purchases for one to two months. You may be surprised to find you leak like a sieve cash by spending it on unnecessary items or things that you can get for much less if you opt to the original version. For example, a slat gap of $ 5 to your local coffee bistro in buying an espresso machine and make your own at home.

# 42 Get waived - You can save $ 40 or more simply by asking the cell phone company to waive fees activation if you are a new customer. If they refuse, let them know the activation fee is a stumbling block and threaten to withdraw. Nine times out of ten, the cell phone company waives the fee for you to keep.

# 43 Unlimited Talk for Teens - To cope with their busy social life teens spend, roughly, all of their time talking and texting on cell phones. Invest in an unlimited number of calls and a text plan to avoid potentially outrageous cell phone bills.

# 44 Shots harvesters - If you pay for a cell phone for an elderly parent, instead of buying a separate service, simply add them to your existing family plan. Most suppliers only costs $ 10 per month for additional lines compared to $ 30 per month for a package cellular phone base.

# 45 Drop the fixed - With cell phones, cable and wireless Internet, no particular reason to have a landline more. Even large cities have begun to reduce the number of fixed telephones in their cities. Maybe you should consider cutting the line too.

Household

# 46 Clean Air cold and dry - 90% of the energy of the washing machines use goes toward heating up water for use in a warm and hot. Significantly reduce this energy loss by washing clothes in cold water. Waive the dryer and hang clothes to dry.

# 47 Install solar panels - The sun's energy is free and plentiful. Installation a system of twenty solar panel produces enough power to service up to 30% of energy needs of a medium sized house. With tax rebates offered by the government until 2016, now is the perfect time to go green.

# 48 Install solar water heater - If your water heater is due for replacement, consider installing a water heater solar energy. A 56 system square feet will save up to $ 230 per year in energy costs. In addition to saving money, installation of solar products on your home increases its value in today's market environment conscious.

# 49 Insulate walls and crawl spaces - An estimated one third of home energy is wasted because of a poorly insulated house. If your house is not already designated as energy efficient, so you can enjoy one of the walls and crawl spaces insulated. Reduce your energy bills for households and noise will be reduced as well.

# 50 Install an energy saving - Conserving energy for use when it is most needed by the installation of an energy saver that turns the heat during the night when everyone is asleep. You can configure it to start warming the house 30 minutes to an hour before getting up for the day.

# 51 Get an energy audit - Download the checklist and check EnergyStar.gov energy leaks at home. Or if your power company offers a service of auditing have them out and tell you what you can do to make your home more energy efficient.

Layer Up # 52 - If you are chilly, instead of turning up the thermostat, put on a sweater. You save 1% on your heating bill for every degree you lower the temperature.

# 53 Skip to compact fluorescent bulbs - Although CFLs cost more initially, in the long term, they are the cheapest choice. They consume 75% less than regular bulbs and last 10 times longer.

# 54 Buy Out of Season - Buy Tickets major appliances off season. For example, you can create up to 40% on the cost of a new air conditioner if you buy one in the dead of winter rather than in midsummer.

# 55 Getting inked - Printer ink is ridiculously expensive. Reduce your costs by a refilled cartridge do rather than buying new ones. If you can not find someone in your area, check online for mail order companies that perform this service.

# 56 Cut the lawn - Downgrade your service lawn full and select the additional work. For example, ask your landscaper to take care of the lawn while you take on the responsibility of singing and trimming shrubs. Better yet, get rid of all this luxury and become your own landscape.

# 57 Refinancing - Although the housing market collapse was tragic, there is a positive thing out of this mess. Rates interest are at a historically low level. If your interest rate is at least 1% or more above the current rate refinancing account. On a $ 300,000 house, you could reduce your monthly mortgage payments of $ 250.

# 58 Make a Smart Move - If your nest is empty or else you do not need as much space as you used to, consider switching to a smaller home. You'll save the costs of rent and energy tend to be lower on houses.

# 59 Do It Yourself - Repairs Many in the house can be done by anyone with time and patience. The Internet is a wonderful resource for learning to repair minor such as caulking a bathtub or fixing a leaky faucet.

# 60 Rental Tools - Although it is nice to have an assortment of tools at your fingertips when you need it, it really is a waste of money to buy specialized tools you only need maybe once every few years. Save money by renting tools from places like Home Depot.

# 61 Take Tools - Better yet, there are places where you can get free tools. No, not your neighbor's garage. lending libraries tools are available in most major cities. Search Wikipedia for "Tool Lending Library" for a complete list of cities that offer this service.

Entertainment

Get the Promo # 62 - Look in promoting your business cable offering new customers. If there is a better deal than what you currently receive, ask the cable company to switch you. If refused, threatening to move to a competitor usually them saw things your way.

# 63 Cut the cord - Better again, cut the cable if you do not watch enough television. Instead, go online to places like Hulu and watch your programs preferred.

# 64 of rent reduction - moviegoers should subscribe to a service like Netflix will send movies by mail or download them directly from the site. The service is much cheaper than going to a store rental and you will not worry about late fees. Another option is to rent from Redbox that contains the latest news about $ 1.00 per day.

# 65 Afternoon Special - for films that are still showing, go to a matinee instead of an evening show. You save money and because there will be fewer people, you will be able to enjoy the show in peace and tranquility.

# 66 Do Lunch - Exchange your dinner reservations for lunch. The same tasty food will be served at noon, but at prices that can be 20% less than the dollar an hour dinner.

# 67 have a light dinner - Ignore the dinner menu and order entrees or menu bar. Some of the food found on this side of the menu are enough to fill you up.

# 68 Treat yourself - Have a relaxing dinner at home while serving in the restaurant.

Get the Book # 69 Entertainment - The Entertainment Book is a publication which includes coupons and a card that makes you significant discounts at restaurants and hotels. The cost of the book is about $ 35, but is paid within a few uses.

Financial Services

# 70 Banking Alerts - overdraft fees are at a moment all that the average fee for stand at a whopping $ 35 per transaction. Set up alerts on your phone or e-mail accounts that you know how much you have in your account and when bills are due to pay.

# 71 Avoid ATM fees - It sounds crazy, but you can pay up to $ 2.50 per transaction to access your money from a non-proprietary ATM. Avoid costs by using only ATMs in your or open a bank account with an online bank that will reimburse you for you.

# 72 Free Checking - In this era of check free, there is no good reason to continue using an account that charges you each month to keep your money. Moving to a toll or free checking account and save $ 120 or more each year.

# 73 Open an account - The average check cashing places siphon 3-4% of your check every time you use the service. Avoid these fees by opening and using a free inspection or savings account.

# 74 Check Cashing - If for any reason you are unable to open bank accounts, cash checks at places like Wal-Mart does charge a basic fee of $ 3.00 per check cashed.

# 75 Prepaid Debit Card - Another good option for those without bank accounts is to use a prepaid credit card. Most cards allow filing Direct and waives the monthly fee if you deposit a minimum amount in the account each month.

# 76 Negotiate Credit Card Rates - Banks are raising interest rates in an effort to salvage some of the money they lost in the housing crisis. If you have good credit and have been a good customer, then call the credit card company and renegotiate your rates. If they will not budge, threaten to switch to another company. If they still will not sell then transfer your balance to a credit card company that offers a better rate.

# 77 Cash Back - A better deal is to go on a card that gives cash back on purchases. Both Amex and Discover cards as you pay to use them. It's like getting a additional percentage on purchases.

# 78 Repayment of debt - A better plan is to repay credit card debt all together. You'll save thousands of dollars in interest rates and peace of mind that comes with being debt free.

# 79 Cash Pay - You are much more likely to spend money if you use your debit card. Reduce temptation paying only in cash. You'll really feel the pain of his parting with your money that will force you to think about whether or not you really need what you buy.

Leisure and Travel

# 80 negotiate your rate - Use Priceline.com to negotiate lower prices of hotel rooms, flights and rental cars. This is a great way to reduce your travel costs in particular if you're flexible in your travel dates. Visit BidOnTravel.com for good advice on successfully getting the price you want.

# 81 Off Peak Travel - Most vacation destinations have peak tourism time, usually during the summer for amusement parks and winter for tropical destinations. Traveling during low season can offer significant discounts.

# 82 Avoid the tourist traps - Instead of going to a popular tourist destination, go somewhere unique and lesser known. You'll always enjoy a holiday nature, but pay less for it.

Timeshare # 83 - Ask around your social network for anyone who owns a part-time they can not use. Rather than let it go to waste, many people will hire you for cheap or let you stay for free.

# 84 Free Food - Stay at the hotel offers a complimentary breakfast. You $ 20 - $ 30 (for a family of 4) per day than eat at the hotel Rather than going to a restaurant.

# 85 Make your meal - it is understandable that you go on holiday for a break in maintaining the household. However, getting a room with at least one microwave and a refrigerator and purchase ready to eat meals and snacks. Lunch at the hotel and save your money for a fabulous dinner.

Exchange Houses # 86 - Make an exchange of home instead of staying at the hotel when you go on vacation. Find someone who lives in the city you wish to visit and exchange offer homes for a week. Need help finding people? Visit HomeExchange.com offers.

# 87 Fly Off Peak - Take Flight obnoxious, like red eye, for lower rates. Planes tend to be less crowded during this period to travel should be more comfortable.

# 88 Nix baggage fees - Try to book flights on airlines that do not charge baggage fees for the first baggage. AirTran, JetBlue, Southwest and Alaska Air give you the first bag for free. Other costs. Needless to say, the bags under you, the less you'll need to pay for your luggage.

# 89 lunch - If you visit the theme parks, instead of eating at restaurants instead, take food and snacks in the cooler. Save your money for the rides and souvenirs.

Insurance

# 90 Home Security - Installing an alarm system can reduce your insurance premiums owns 20%.

# 91 Say no to pet insurance - Unless your pet has chronic health problems or is sensitive to race costly diseases, it is unlikely that savings will never be more than what you pay in premiums.

# 92 Make Pay Teens - It no doubt about it. Adding a teen to your auto insurance policy can increase your premiums by as much as 96%. Well, you can reduce the rate with your teen to take a driving course (15% reduction) and keep their grades up (25% discount good student), you can not beat the 100% discount you get by paying your child for their own insurance. Offer to help pay for a car if the young person agrees to be responsible their own insurance benefits.

Press the # 93 Discount - Often, an affiliation, such as AAA or AARP net you a discount on your insurance premium. Be sure to tell your broker of any that you may be entitled.

# 94 Increase your deductible - Increasing your insurance deductible can lower your insurance premiums by nearly 14% (@ $ 1,000 deductible). It is best for your candor and this money aside in an interest bearing account.

Drop Collision # 95 - Unless it is a car collector, you can probably get away with dropping the collision coverage on it. If the replacement value of the car is significantly less than the amount you'd pay for a year value of collision coverage, then drop the additional insurance.

# 96 Pay As You Drive - Insurance companies, as progressive, starting to offer plans that base premiums on the amount you use your car rather than your driving record. If you are a driver occasionally, then install the wireless device that tracks your driving, you could save up to 30% discount on your premiums.

# 97 Compare Prices - This is a good idea that whenever your policy at renewal time to time to compare rates with other insurers. However, do not be so quick to pass. Sometimes, to call your current company Your comment is sufficient to induce them to reduce your rates.

Personal Development

# 98 Write it down - making it much easier to stick to your financial goals if you write what they are and often consider them. It will help take the edge to live a frugal life, especially if you are not used if you have a clear idea of why you are doing.

# 99 Take it Easy - Life is really a more frugal lifestyle. And like all the changes in lifestyle, it takes time to really get into the groove of things. Cut yourself some slack, especially if you work on more than one goal. For example, if you stop smoking at the same time, focusing more to get rid of the habit of smoking will eventually save you tons of money in production costs and costs of health care.

# 100 Drop expensive habits - While we're on the subject of expensive habits, an inventory of life could turn bad habits that cost you an arm and a leg. Literally. unhealthy habits such as drinking large amounts of sugar and avoiding exercise, could cause the onset of disease much more on the road.

Reward yourself # 101 - You know what they say all work and play. You are much more likely to stick to a savings plan if you reward yourself for achieving your goals. Set aside some money crazy that you can use to pass on what you want. This way you can splurge without breaking your budget.

About the Author

Bryan Daly- About Me

I own several businesses. I grew up in Corporate America but have always had an entrepreneurial spirit. I have a bachelors degree in accounting from Rutgers and have been in the financial industry since 1985. I did graduate study in taxation at FAU.  I have worked both as a Senior Tax Accountant and Auditor for a "Big Six" International Accounting Firm and on Wall Street.

http://bestchanceretirement.com/

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