6 Tips To Save Money and Avoid a Financial Crisis

6 Tips To Save Money and Avoid a Financial Crisis

Wouldn’t it be a great feeling to know that you’re moving ahead financially? Even an additional $100 a month in savings would help most families. To discover extra money for savings would help you when a financial crisis hits as the money would be there to cover the unexpected costs. A financial crisis could be anything from a loved ones death from afar causing travel expenses to a broken dishwasher in a hectic two income family, where this appliance is a definite need. In this article we want to help you by giving you tips to save money particularly when you don’t think you have the money to save. If your committed and have the will-power to save you can always find a few bucks to put away for a rainy day.

Consider these suggestions for finding $50 a week to bank. After all, if you do, you’ll end up with an extra $200 per month, which in just 6 months would give you $1,200. This makes it worth while to change a few things around – better in your bank account than someone elses and all it takes is a little work:

1. Think about the money that you spend each week on beverages. Buying extra sodas at the convenience store or the fuel station, are eating up part of your $50 for the week. Do you buy coffee every day on your way to work? Even 3 coffees a week can add up to over $10.

Tip: Consider bringing your beverages from home and save the money towards the $50 for your bank account at the end of the week.

2. Eating lunch out costs more money than bringing your own lunch from home. Even though you allow for lunches out in your budget, would you consider taking your lunch every other day, or at least 3 days out of the 5-day work week? You’d stand to save at least $5 (and maybe close to $10) for each lunch you don’t eat from a restaurant.

Tip: Alternatively, eat only at restaurants and fast food businesses for which you have coupons. You can find restaurant coupons in your Sunday paper practically every week. Vow to use coupons for your lunches in an effort to save money.

3. Set a goal to trim $5 to $10 from your weekly grocery bill:

  • What products are you buying that are expensive, unhealthy, or just plain unnecessary?
  • Maybe you’re paying $4 or more for a processed snack food.
  • Substitute something else at half the cost for those pricey items.
  • If you usually buy a high-fat item, consider omitting it from your list.
  • Focus on your store’s sales and buy-one-get-one-free offers.
  • Be cautious about buying something just because it’s on sale.
  • Try some of the store’s generic products for more savings.

4. Save money on gas. Make a vow to walk more in between stops and if you are one to take off from a stop light like a jack rabbit, start paying attention to this and start off at a slower, steadier pace – this will save you gas consumption which saves you money:

  • If you work from home, you can avoid driving 3 or more days a week. Besides, once you go out in the car, you’re going to spend money on other things besides fuel.
  • Can you carpool to work? Do you live close enough to walk? What about public transportation?
  • Consider running errands and shopping on your way home from work so it won’t take any extra gas to complete those tasks.

5. Deposit part of your cash into the bank. Then, do what you can to avoid withdrawing money once you place it in your account.

You might be able to save at least another $10 through this method: keeping back only $1.43 of your change each day adds up to $10 per week. You’ll hardly notice the dent in your cash, but your bank account will steadily grow.

Avoid carrying large amounts of cash because if you have it with you, you might spend it.

6. Think about excess services you pay for that you can delay. For example, if you get a manicure each week, switch to every other week to save a bundle of cash.

As you can see it is not as hard to save money if you put your thinking cap on and are aware of your finances and where your money is going. Every cent counts and you will be amazed at how fast savings add up each week. Review these tips to save money periodically, as you think of new ideas add them to this list. Make it a goal to find $50 each week to deposit into your bank account. You’ll feel like a finance wizard as you watch your money grow. Apply these suggestions to discover $50 every week to add to your financial wealth – one more idea is why not make this a game, or put out a challenge to your family or friends to see who can save the most in a determined period of time.

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