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  • Money Saving Tips -- New Year, New YOU!

     

     

     

     

     

     

     

     

     

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    What resolutions did you make for the New Year. Many people make goals to lose weight and shed those unwanted pounds. However, if you are one of those people who have decided to go on a financial diet and shed your unwanted debt we have some great money saving tips on the CharmingChick blog today. Depending on your financial situation, things may seem very bleak. It is easy to feel very overwhelmed by debt or your other financial worries -- but stressing about it doesn't help you solve the problem. Simple measured steps can help you get where you want to be. It won't happen over night. It will take hard work, determination and commitment BUT the end result will be worth all of your hard work!!!

     

     

     

     

     

     

     

     

     

     

     

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    Money Saving Tips

     

    1. Set a Budget

     

    It is very important to set a budget so you know where every dollar you have coming in, is going out to. The first month or so will be a little difficult if you don't really know how much you spend each month on things like groceries, eating out, gas, clothing etc. The easiest way to set your budget and track your spending is with a budget tracker. Mint.com offers a free version that can help get you started AND get you organized. You can also use Quickbooks or just create your own for FREE using Microsoft Excel or Google Docs. Setting up a budget and tracking your spending will help you know exactly where you can make cuts and possible help save yourself hundreds of dollars each month.

     

     

    2. Save for an Emergency (they do happen)

     

    Debit expert and financial guru Dave Ramsey has developed what he calls Seven Baby Steps. These steps are designed to help you eliminate debit and create a stable financial future. One build on YOUR money, not on top of debit which can create issues down the road. The first baby step is to save up for an emergency. If you put away $1000 as quickly as you can by selling something, working overtime, skipping eating out for a month, whatever it is you can do to save that money do it. This creates a safety net for when emergencies arise. This way you can pay cash instead of creating even more debt. ONLY use it for an emergency!

     

     

    3. Use Coupons

     

    Using coupons and coupon codes can save you lots of money on the things you buys everyday. At CharmingChick we post many of our coupon codes that can help you save money. There are so many great coupon code websites out there but two of the most popular that we use are RetailMeNot.com and CouponChief.com. If you need to purchase something, always check to see if there is a way you can save money on it first. You can also find discounts on the items you purchase every day like groceries, toiletries, eating out and MUCH more.

     

     

    These three money saving tips are just the beginning. Do you have a great money saving tips you'd like to share We'd LOVE to hear it.

     

     

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