Simple Thoughts of Mine

21. Exercise at Home

Cancel your monthly gym membership fee and workout at home. A one-time investment in a treadmill or other workout equipment accomplishes the same goal for less.

22. Take advantage of child care reimbursement

Some corporations offer employees childcare assistance. If a large chunk of your salary goes toward paying childcare , ask your employer about reimbursement.

23. Surrender the credit cards

Uncontrolled credit card use contributes to excessive debts. To regain control of their spending , many people close their credit accounts. This doesn’t solve the problem. Entrust your credit cards to a family member.

24. Eliminate cable

Cable providers offer over 200 program channels. However , do you really need these many program options? Cancel expanded or digital services and reduce your cable bill.

25. Get a programmable thermostat

Save money on your energy bill with a programmable thermostat. Keep the heating and cooling system off during the day , and program the system to turn on an hour before you arrive home in the evenings

26. Become a DIY pro

Save money on home and automobile repairs by performing your own maintenance. Take free home improvement classes offered by retailers like Home Depot or Lowes.

27. Check restaurant bills for errors

Make sure the restaurant bill is accurate before paying. The waitress could have inadvertently double charged you for a drink or side item.

28. Attend matinee movies

Before 4 PM , movies theaters offer discount showings. On average , you could save $2.50/person. Better yet , wait until the movie is being played in a second-string or $1 movie cinema.

29. Have a garage sale

De- j unk your house and earn a little extra cash with a yard sale. Another alternative , sell your stuff on Ebay.

30. Stop “keeping up with the Joneses”

Just because your neighbor or best friend bought a new car doesn’t mean you should follow in their footsteps. Live within your means and stop trying to maintain a lifestyle that is equivalent to friends and family.

to be continued…