How to save 101 yuan to 500
How to save 101,500 dollars or more per month
Remove all the fat is not your budget is very pleased
布赖恩达利
Special Report will give you 101 daily to save money.
Shopping
A 1 store once a week - is a well known fact that the establishment of grocery store specializing in allows you to spend more than you expected. Can increase the impulse to buy up to 35% of the food bill. Avoid this by buying only a week and end in your food bills average 143 U.S. dollars recorded.
Online Store # 2 - Even better, do not let their demands with the purchase of household Internet access. Due to reduced overhead costs, online retailers usually offer a more mortar store the same product. Add the fact that you often can eliminate the sales tax and shipping industry to find a free service, you can kiss goodbye to a good buy Alto. Get free shipping and coupons http://www.freeshipping.org.
# 3 bottled water at home - the Americans fell in love with the water, spent X dollars more than 10,000 U.S. dollars of bottled water a year. Savings of 42 yuan, or a monthly increase of investment in a water filtration system and your own bottling. Not only do you keep making more money than you, but as an environment conducive environment, reducing the number of bottles that end in landfills.
# 4 of the season to buy products - we all know that eating five-day portions of fruit and vegetables is good for you, every one. However, you buy the product is outdated, does not help your wallet. Save 20-50%, but with the natural flow, the kind of season. Access http://www.fruitsandveggiesmorematters.org/ find a list of seasonal fruits and vegetables.
# 5 Buy organic selective - your health more than conventional fruits and vegetables, organic products can cost as much as 2.00 U.S. dollars higher than the traditional methods of production crop farms. Reduce pesticide intake to maintain good health in the budget, will include more learning http://www.foodnews.org production of pesticides and can not buy, so.
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# 6 buy private label - a brand that is most of the shops are as good if not better version of the same brand of products. You can save about 15 years or more by switching to store brand canned goods, batteries, pain, beauty, nail polish, as the staple food.
# 7 provides search - in addition to the use of paper certificates, virtual tours and look for coupons, discounts and online services. Like the site, CouponMom.com FreeShipping.org and excellent to offer free shipping coupon, or even earn a few dollars.
# 8 to find a virtual assistant business - if you like shopping, but no time or will to surf the Internet and online sales of discount certificates, signs ShopItToMe.com to. This site allows you to subscribe to be notified when your favorite designers at popular stores such as Nordstrom.
Use # 9 loyalty and integration - enjoy the loyalty programs and reward points. These programs allow you to get points you can use it to buy goods or travel. Most programs also send coupons and special offers to inform Members.
# Wipes 10 - second-hand stores to buy goods can freely use some brand candy net 50-75% of the normal retail price. The goal of the approach is ideal as time and experience to make Honda the old bed still warm.
Store # 11 eye - though best to avoid temptation, first, if you go to shopping malls or stores, in order to prevent tampering with the goods, do not intend to. By two marketing professors, teachers Qiaoanpeike (University of Wisconsin-Madison) and Susan Shu (University of California, Los Angeles) to increase our product reach to their meaning, making it more difficult to leave the store.
Please # 12 - you are more willing to spend more, if it is easy to store. If you only need a few factors, the use of hand rather than baskets. Need one or two things, completely ditch cars.
Work
# 13 with a fast food - fast food, the average cost of 6.00 U.S. dollars. Not only eat hamburger chain can improve their waist tower, but you can empty your wallet. When cooking, then further work is still with you for lunch.
# 14 transportation reimbursement - Ask your company's transportation plans, transportation costs for a pair of pre-paid account to your pre-tax money, such as parking fees and transportation costs. You can save for later to 230 dollars per month, making about 80 U.S. dollars a month savings.
Carpool # 15 - not only is a great way to carpool to the office to catch up on gossip, you can significantly reduce the cost of a partner in travel and share travel office. Ask people who live around you who might be interested, or visit Erideshare.com to help fellow travelers find the office in your area.
# 16 in bike - bike to work, not only save money alternative to driving, but also more environmentally friendly and a great way to get your daily dose of exercise. Buy some good quality bikes and go to work 500 days, when the weather is nice you get up a net savings of 250 yuan per month.
# 17 to start their own home business - start a home business is perfect mind and wallet. If you want to work at home, all the gas costs money, clothes and restaurants back to your bank account. Important, including whether to start this company. See also tax benefits, this site
Vehicle
Downgrade # 18 - Do you really need more cars? Despite the two cars can be very useful, you pay double the cost of fuel, insurance and home maintenance and car. Increase access to capital through the sale of cash. If you can not do without a second car, upgrade to a more economical choice, as an escort or a Camry.
No speed limit speed of 19 - in accordance with hell to pay more for fuel costs. The sooner you take the less miles per gallon, you can benefit from their gas tank. The purpose of speed limits can save up to 23% per month.
# 20, so that your tires - a good tire inflation reduces drag, increases fuel consumption. Check your tire pressure gauge weekly to ensure that their mileage by a 3% increase in the pressure recommended by the manufacturer still exists.
Route No. 21 for garbage - driving your car in the trunk 1 100 kg of unwanted things can increase the% of consumption by not less than two. Dump the extra load to improve fuel efficiency.
# 22 driver insurance - aggressive driving is not only illegal in most parts, but the United States may take you a long time. Accelerating and decelerating are cause serious damage to the fuel consumption. In addition, the active participation of more accidents caused by drivers a higher premium. To your portfolio for a break, safe driving.
Family
# 23, share a nanny - Ventura less expensive nanny share with friends. As more children will be able to pay higher than their nanny rate, but less than you would otherwise pay. For example, combining $ 20 respectively, $ 15 per hour for one hour.
# 24 of the trade of custody - or better, so that trade and the rights of children nanny to take care of couples with children. Children have more fun with your friends to play, you have more money overnight.
# 25 Pet renewals exchange of obligations - in the same favor, rather than taking in a cage, the Philippines and more cities, they left the children returned to the exchange of pet owners. Your pet more comfortable, you have your travel souvenirs enough money.
# 26 to put less pressure on your child - there are many tax benefits, you qualify as a parent. For example, the child tax credit to give you a child, for every 1,000 dollars in additional credit of 17. An expert can help you ensure you get the deduction of all.
# 27 unwelcome Flex account - even though 85% of employers offer Flex spending, only 6% of workers are eligible to participate in the advantages of the scheme. The money you left on the table. Reimbursement and flexible, you can put a cover on their children (up to 5,000 account pre-tax dollars), including day camps and health care ($ 3,000 - $ 5,000 depending on the employer's costs.
# 28 Say No - It is estimated that in a time period of 5 years, parents 59,000 worth of financial assistance to adult children. Ensure that children charges, reducing or eliminating their money to their own way.
School
# 29, bypassing the university library - Barnes & Noble and other retailers in the market the book in college, you will often find similar books. In addition, students can save their own deal to sell textbooks headache in the end of term lease or CampusBookRentals.com Chegg.com.
# 30 get a real meal plan - the chance is very slim, your child will use the full meal plan. Really, who ate cafeteria food, a Friday night? Fortunately, not in a fork full meal plan meal plan downgrade 7 to 14. His students always get more food than nutritious candy and soda, save a few dollars.
# 31 Student Advantage discount - especially students eligible for all travel discounts. Investment in student discount card, network edge 10-15% discount on plane, train and bus fair. Map will be amortized in the first.
# 32, net of costs - health care and family you can subtract the medical expenses for the spouse, if they exceed 7.5% of your gross income. This includes tuition for the students of special schools and the possible need to address obstacles to development or learning disabilities. A qualified tax adviser will be able to provide more information about the code.
Personal Services
# 33, and not replace maintenance - money stretch shoes, a shoe repair shop to take the kick. Tread wear and skills maintenance and replacement of the heel cheaper than the distribution of hundreds of dollars on new shoes.
# 34 Hand wash - hand most of the clothes that dry cleaning or washing machine only wash. On the dry cleaning hand washing silk sweaters and cold water budget cuts. Lino can be placed in the machine. However, like red and blue are still being sent to the cleaners in bright colors.
# 35 post - Make the final hair color, use the kit to add color to the source. You can add two weeks to work-life color.
# 36 go to beauty school service - based, like a manicure or off base, ditch fair face, the beauty school. You will receive in the skills development of their students to exchange services on the profound beauty discount. Do not worry, the students are from the professional and technical personnel to ensure that labor laws.
To # 37 pet grooming schools - including animals, families may also be reduced to a modification of preparatory schools, and not expensive aircraft fair. All the animals received the limbs to the same treatment at lower cost. # 38, less work - change your expensive gym membership YMCA. You get the same training costs by more than half. If you are online a special motivation to find a free training routine that you can at home.
# 39 switch pharmacies - save or configure your money by switching to lower prices of generic drugs pharmacy, including Wal-Mart.
# 40 GB of sales e-mail - if you need to brand drugs, and then check your e-mail health care service plan. You can not buy often get the message, rather than the same drugs to pharmacies.
Leak # 41 money plug - be careful where you go to the registration of all the money to buy 1 or 2 months. You may be surprised to find like items or things in the unnecessary expenditure of cash screen, you can get much smaller, if you go to the original version of the leak. For example, in your coffee machine to buy coffee in a local restaurant between 5 yuan in the lath, to your own home.
# 42 looking for his resignation - you can save 40 dollars or more simply require that the phone companies waive the activation fee, if you are a new customer. If they refuse, let them know that this is the start of a transaction fee, and threatened to pull out circuit breakers. 90 times, the phone company's market share exemption cells to stay.
# 43 lectures for young people unlimited - in order to meet their young very active social life to spend almost all their time talking and sending text messages on mobile phones. Investment unlimited calling plans and text, to avoid potential scandal cell phone bill.
Merger # 44 - If your elderly relative pay phone, rather than buying a separate, simply add to your existing family planning. Most suppliers only cost 10 dollars per month additional lines compared to $ 30 per month for a package of basic phone.
# 45 remove the fixed telephone lines - to mobile phones, wireless Internet and there is no particular reason for the provision of a fixed. Even big cities have begun to reduce its fixed phone number in the city. Maybe you should consider cutting the line.
Home
# 46 Dry and cold air - 90% of washing machines to water and heat energy use and use warm water. Significantly reduce energy leakage wash clothes in cold water. Give up the machine and drying clothes.
# 47 Install solar panels - solar energy is free, abundant. 20 power system installed solar panels generate enough power for up to 30% of the energy needs of the average family size. With the tax rebate provided by the Government until 2016, now is the best time to go green.
# 48 installation of solar water heater - if your water heater is due for replacement, consider installing solar water heaters. A 56-square-meter system can save up to 230 U.S. dollars, the annual energy costs. In addition to saving money, solar energy products installed in your home to increase its value in the market concerned about the environment today.
# 49 of isolation walls and crawl space - an estimated one third of the energy waste of the family house is the result of poor insulation. If your house is not mentioned energy efficient, can benefit from insulating the walls and crawl spaces. Reduce your home energy costs, also reduces noise.
# 50 installation of an energy conservation - using energy storage does not require installation of any energy conversion into heat of the night when everyone is asleep. You can set the start was 30 minutes before heating the house in the morning for an hour.
# 51 get a check energy - Download list EnergyStar.gov and leak checks of energy at home. Or, if your power company to provide audit services, and tell you what they can do to make your home more energy efficient.
# 52 layer - if it is cold, rather than raising thermostat, wear sweaters. You save on your bill for each degree you lower the heating temperature of 1%.
# 53 to compact fluorescent light bulb - energy saving lamps, although their prices began a long, in the end, they are the cheapest option. Energy-saving light bulbs use 75% of the regular and more than 10 times in the past.
Buy Season # 54 - Check device star this season. For example, you can create a new air-conditioning up to 40% of the cost, if you buy, not Shengxia Long one of the winter season.
# 55 How to ink - printer ink is ridiculous expensive. Lower your costs by recycling ink cartridges instead of buying new. If you can not find your area of online registration, provides mail order services to people.
# 56 of mowing the lawn - cut its full-service lawn care and selection of more work. For example, a gardener you for your lawn care, and your duty to take cut songs and shrubs. Even better, get rid of the whole luxury, as their landscape.
57 refinancing market - despite the tragic collapse of houses, but there is one thing positive out of this mess. Interest rates are at historic lows. If your interest rate is 1% or more, at least to consider refinancing rate or more. For a 30-million house, can reduce their monthly 250 yuan deposit.
# 58 for the decision-making - if you are an empty nest or not, you do not need as much space as it once did, that the move to a smaller house. You can save the rental cost and energy are often low at home.
# 59 DIY - Maintenance House lot to do, the patience and time to any person. The Internet is a learning as caulking or repair leaky bathtub faucet repair a small good resource.
# 60 Tool Rental - although it's a very good tool for a variety of hands can be when you need it is really a waste of money to be used to purchase specialized tools, can every few years. Save money from the rental place like Home Depot's tool.
To # 61 tools - better, some places you can get free tools. No, not your neighbor's garage. Lending tool library available in most major cities. Wikipedia search "tool lending library" of a city to provide a complete list of such services.
Entertainment
Get Promotion # 62 - Looking to promote your cable company to provide a new customer. If this is a deal better than you do now to require cable companies practices. If they refuse, threaten to raise a competitor often see things your way.
# 63 cut off the umbilical cord - and even better, if not cut off the cable just to watch TV. In contrast, sites like the Internet, watch your favorite shows gourd.
# 64 rent reduction - the fans must subscribe to services such as Netflix movies sent to your e-mail or directly from the website. The service cheaper than going to a rental store, you do not worry about late payments. Another option is to rent from Redbox daily 1.00 contains the latest news.
# 65, especially when the theater - for the film, in the still, to 1, instead of a night market. You save money because there are fewer people, you can enjoy peace and tranquility of the show.
No # 66 - Trade your restaurant for lunch reservations. The same supply of delicious food is in the afternoon, but the dollar price can be lower than 20% of lunch.
# 67 has a light dinner - the food I remove the bar menu dinner menu. On the menu some of the side effects enough to overwhelm the food.
# 68 you are - at home eating dinner, the restaurant provides a relaxing.
# 69 buy books, entertainment - entertainment is a book publishing, including discount coupons and a map, so you discounts at restaurants and hotels. The book costs about 35 dollars, but the number used in payment.
Financial
# 70 Bank News - overdraft fees, then the average rate of all transactions in the future, as high as 35 dollars each. In your cell phone or e-mail account, you know how much your bills in your account and be sure to configure the alert.
# 71, in order to avoid ATM fees - it sounds crazy, but you can pay up to $ 2.50 per ATM transaction exclusive access to your money in non. Avoid the use of cost only in an online bank will be returned to your ATM or your bank to open accounts.
# 72 Free check check - this time in a free, no good reason to continue to use your account the monthly cost of keeping your money. Jump to a no-show fee or free checking account, savings of $ 120 or more per year.
# 73 to open an account on average - on, check-cashing services, local siphon 3-4% of salary for each use. Avoid these costs to control the open and free to use or savings account.
Check Cashing # 74 - If for some reason you can not open a bank account, cash a check for each check in 3.00 place, such as Wal-Mart, the basic charge.
# 75 pre-paid debit cards - another bank account no choice good for those who prepay by credit card loans. Most cards can be direct deposit and free of monthly fees, monthly account if you deposit the minimum amount.
# 76 Negotiate credit card interest rates - interest rates increase the housing crisis, efforts to recover some lost their money. If you have a good reputation and have been a good customer, then call the credit card company to renegotiate the rate. If you do not change your mind, threatening to another company. If you do not give, and then transferred to your credit card balance, providing a better rate.
# 77 in cash recovered - a better deal is to buy a card for cash. Both American Express and found that card is that you pay to use. It's like having an additional percentage of their purchase.
# 78 debt - is a better plan to pay with credit card debt. Save thousands of dollars in interest rates and the mind is free of debt, and from peace.
Cash # 79 - you are more willing to spend money, if you use a debit card. Reduce the temptation to pay only in cash. You really will feel from the money they really need to consider what tools you buy the pain of separation.
Travel
# 80 your on speed - Use Priceline.com negotiating lower prices for hotel rooms and car rental, air tickets and. This is a good way to reduce travel costs, especially if you are flexible on your travel dates. Access BidOnTravel.com good suggestions in the price you want success.
Travel Off # 81 - Most of the destinations is slightly theme park vacation destinations and the summer tourist peak season, usually winter in the tropics. In the off-season travel can provide an important discount.
# 82 to avoid the tourist trap - destination, rather than go to a famous tourist, to a unique, little known. You are always very happy holiday properties, but pay little.
Timeshare # 83 - Ask some time in your social network for those who can. On the contrary, only to lose many cheap rent to you or to you free of charge.
# 84 free food - the hotel offers free breakfast. You $ 20 - $ 30 a family of four (), eat, rather than a hotel restaurant.
# 85 for your meal - which is understandable when the vacation away from home to be maintenance. However, to obtain at least a microwave and refrigerator as well as preparation of meals and snacks to buy space. Lunch, a fabulous hotel and save your money for dinner.
Exchange House # 86 - To change the family rather than stay in the hotel when you go on vacation. Looking for people who live in the city you want to visit and exchange of apartment for a week. Need help to find people? Access HomeExchange.com offers.
# 87 take-off and the Peak - A red-eye flight defects, such as lower interest rates. Plans are often few people travel during this period should be more comfortable.
# 88 suitcase Knicks - try to book airline tickets to the first bags of luggage without charge. The AirTran, JetBlue, Southwest Airlines and Alaska Airlines offer the first free bags. A burden to others. Needless to say, your next bag, a small fee for your luggage.
# 89 Lunch - If you visit the theme park, not the fridge to eat the food in the restaurant and snack, but go. Save your money travel and memories.
Insurance
# 90 Home Security - alarm system installed may be reduced by 20% of the premiums for themselves.
# 91 No pet insurance game - unless your pet has chronic health problems or high vulnerability to disease, it is not possible savings will not exceed the premium paid.
# 92 Young People - there is no doubt it. A teen to your auto insurance policy, can add up to 96% of the premium. Ah, you can reduce your child to participate in driving rate (of course reduced by 15%), keep your grades up (25% of the good student discount), no surrender 100% of the payment you get better security for their children. Concessions to help the car payment, if the young people agreed to their welfare insurance.
# 93 discount compression - typically, attached to the American Association of Retired Persons, such as AAA or give you a discount on your premiums. Sure to tell all of you may be eligible for the agency.
# 94 Increase your deductible - increase your insurance deductions can reduce your insurance premiums nearly 1,000 @ 14% (net). It is better to save your license savings account interest.
Drop impact # 95 you - unless a car collector, you may be able to drop collision coverage to escape it. If the car's replacement value is much higher than the amount paid to an insured value in smaller collision, then the insurance.
# 96 pay as you drive - business insurance, such as progress, has begun to provide basic plan your driving record the amount of your premiums instead of using the car. If you are a casual driver, then install the wireless device, your driving record, you can save up to 30% premium discount.
97 # price comparison - is a good idea, each time to update your policy should ensure that the necessary time to compare rates with other insurers. If not, but do not rush to change. Sometimes called his remarks now has enough to reduce your speed.
Personal development
Write # 98 - will be easier to make your financial goals, if what you write, and regular checks. Will help you live a frugal life, especially if you do not use if you have a clear idea of why not.
# 99 Take it easy - life is a more frugal lifestyle. As lifestyles change everything, it takes time, the real thing into the slot. To reduce some slack, especially if you work more than a goal. For example, if you stop smoking, get more attention at the same time eliminating smoking will save you tons of money, and in raw material costs and medical costs.
Drop # 100 luxurious guest rooms - although we are on this issue legs expensive habit, life would turn the inventory and cost you a arm and bad habits. Literally. Bad habits, such as a large number of sugar consumption and avoid sports that may lead to a more expensive way.
Reward yourself # 101 - You know they say all work and play. It is more likely to adhere to a savings plan, if you are their target return. Set aside some crazy money can be used to send what you want. In this way, you can not break the overspending your budget.
About the author
布赖恩达利, self-introduction
Some of my own business. I grew up in U.S. companies, but has been the enterprising spirit. I have an accounting degree from Rutgers, and in the financial industry since 1985. FAU graduate student on my taxes. I have served as senior tax accountant and the auditor's "six" international accounting firms and Wall Street.
http://bestchanceretirement.com/
Senator John Barrasso (the R - wy) provide energy weekly Republican Address
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