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1. Save up to 50% per month on
convenience cleaner cloths by cutting them into
half, i.e. dryer softener cloths, face cleanser
cloths, etc. Savings: $5 per month
2. Find more thoughtful gifts and
buy when the item is on sale, shop for birthdays
and holidays throughout the year not at the time
of the events. Savings: $10 per month
3. Bring your lunch to work once a
week instead of eating out. Savings: $7 x 4 weeks
= $28 per month
4. Don’t go to the coffee shop on
the weekends. Savings: 2 visits @ $2 = $4 per week
x 4 weeks = $16 per month
5. If you carry a balance on your
credit card, and you’re only able to afford paying
the minimum monthly amount, pay weekly
installments instead of one monthly payment. For
example, if you owe $100 per month, pay $25 per
week. Because credit card companies accrue
interest daily on your balance, paying only once a
month is a huge detriment to your fiscal health.
Savings: $10 - $100 per month (or more!)
6. Instead of a family night out,
consider having an old fashion picnic together or
a bike ride. Curbing entertainment costs doesn’t
mean curbing the fun. Savings: $25+ per month
7. Spend a day cooking meals that
can be frozen for later use for your family. Once
a Month Cooking, a book by Mary Beth Lagerborg and
Mimi Wilson, features grocery lists and recipes to
prepare and freeze a month’s worth of food for you
and your family. Not only are you able to purchase
the food in bulk, this method prevents having to
throw away any spoiled food. Savings: $50+ per
month
8. If you are a regular monthly book
buyer, stop the habit and visit your library
instead! If you insist on buying books, buy it
used at your local store or online at merchants
such as www.half.com or www.amazon.com. Even a
better idea, how about selling the books you have
that you don’t need! Savings: $5 - 15 per month
9. Use less expensive gasoline. If
you live in North America and have Internet
access, you are able to search for the cheapest
gas price in your neighborhood with Gas Buddy,
www.gasbuddy.com. Savings: $5 - 15 per month
10. Use two-for-one coupons when
dining out; search for these in local newspapers,
flyers, and in your “junk mail.” If you are a
group of four or more people, consider buying
dining certificates at Restaurant.com,
www.restaurant.com. After choosing your city and
state on the Website, you will be presented with a
listing of restaurants vying for your dining
dollar! Savings: $5- $50 per month
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This is an excerpt from ONE PAYCHECK
AT A TIME, www.onepaycheckatatime.com, by Kimberly A. Griffiths, ISBN:
1591133327. ONE PAYCHECK AT A TIME, a 200 page
workbook, contains budget management exercises for
an entire year of paychecks. The author, Kimberly
A. Griffiths, has been through the vicious cycle
of debt herself, and provides a no-nonsense system
to managing your money paycheck to paycheck. You
customize the journal based on your pay schedule
and learn the necessary tools for making ends
meet.
International Size Acceptance
Association's(ISAA)
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