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Basic Money Saving	Ok, so you know what you should be doing to save money but it never seems to happen. Come the month end you have no money left or are deeper in debt. Well, here it is, basic money saving tips you've probably heard before, but did you pay attention? Print the list off, stick it to your fridge. Let it be a visual nagging reminder of what you need to do to get or stay debt free. Money saving tips to stick by:
hlmmenu Job Health hazards Natural Remedies Happy Feet Diet Mistakes How to dress thinner Hair coloring tips Kids lunchbox battles Travel tip - Auckland Choose a financial advisor Basic money saving tips Save money on groceries Save money on gifts Birth Order Save money on gas	1.Retirement: What financial plans have you made for your retirement? Set a date today for you and your partner to go over your retirement aspirations, make a plan, set another date to implement the plan or review the current one, write this on your calendar and stick to it. 2. Credit Cards: How much do you owe? How often do you pay the minimum amount and get clobbered with hefty monthly interest. If you have credit card debt, work out how much you can afford to pay each month, set up a monthly debit and pay money into your credit card account before you can spend it on anything else. You won't be able to save money until you get rid of this debt. 3.The Mortgage If your mortgage payments aren't crippling you financially then you can afford to pay a little extra on your mortgage. Even a small amount saves you thousands (and even tens of thousands) long term. If you are struggling to pay your mortgage - can you get a better deal elsewhere and pay back at least part of the money you save - at least then the money eats away at the capital	4.Save, save, save Save for a holiday, save for an emergency fund, save for a rainy day. Put money aside into a savings account as soon as you get paid. Don't wait until the end of the month to see what you have left, chances are there won't be anything. 5.Reduce money waste Takeaways, lottery tickets and everything else you buy at the supermarket when you only need milk. Take a good hard look at your bank statement - highlight all the money waste items, add them up then pin the bank statement up somewhere you will see it every day. Its a good reminder not to waste your money on these items again.	6.Lighten up If all this talk of money saving is getting you down or just seems too hard, remember it is only money. Start looking at all the free things you can do in your area that don't involve money. Remember money does not lead to happiness. 7.Plan and Organise So being disorganised and not thinking things through is probably the main reason for your money woes? You pay bills late, don't think before you spend, can't find anything nice to eat in the fride and order take out? There's no excuse not to get organised. Set up automatic payments for bills. Create a money calendar and pin this up somewhere you will see it. (yes I know you now have no space on your kitchen walls with all thus stuff getting pinned up - I use the inside of my kitchen cupboard doors) Know what bills need to be paid when. If you make all your due dates and bad spending habits visible, you will have no excuse for forgetting. Its an easy way to get into the habit of saving. Good luck saving money! Further Information: Living within your means, the easy way

HealthLifeMoney

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Basic Money Saving

Ok, so you know what you should be doing to save money but it never seems to happen. Come the month end you have no money left or are deeper in debt. Well, here it is, basic money saving tips you've probably heard before, but did you pay attention? Print the list off, stick it to your fridge. Let it be a visual nagging reminder of what you need to do to get or stay debt free. Money saving tips to stick by:

1.Retirement:
What financial plans have you made for your retirement? Set a date today for you and your partner to go over your retirement aspirations, make a plan, set another date to implement the plan or review the current one, write this on your calendar and stick to it.

2. Credit Cards:
How much do you owe? How often do you pay the minimum amount and get clobbered with hefty monthly interest. If you have credit card debt, work out how much you can afford to pay each month, set up a monthly debit and pay money into your credit card account before you can spend it on anything else. You won't be able to save money until you get rid of this debt.

3.The Mortgage
If your mortgage payments aren't crippling you financially then you can afford to pay a little extra on your mortgage. Even a small amount saves you thousands (and even tens of thousands) long term. If you are struggling to pay your mortgage - can you get a better deal elsewhere and pay back at least part of the money you save - at least then the money eats away at the capital

4.Save, save, save
Save for a holiday, save for an emergency fund, save for a rainy day. Put money aside into a savings account as soon as you get paid. Don't wait until the end of the month to see what you have left, chances are there won't be anything.

what stops you from saving money, basic money saving tips, get your finances in order

5.Reduce money waste

Takeaways, lottery tickets and everything else you buy at the supermarket when you only need milk. Take a good hard look at your bank statement - highlight all the money waste items, add them up then pin the bank statement up somewhere you will see it every day. Its a good reminder not to waste your money on these items again.

6.Lighten up
If all this talk of money saving is getting you down or just seems too hard, remember it is only money.
Start looking at all the free things you can do in your area that don't involve money. Remember money does not lead to happiness.

7.Plan and Organise
So being disorganised and not thinking things through is probably the main reason for your money woes? You pay bills late, don't think before you spend, can't find anything nice to eat in the fride and order take out? There's no excuse not to get organised. Set up automatic payments for bills. Create a money calendar and pin this up somewhere you will see it. (yes I know you now have no space on your kitchen walls with all thus stuff getting pinned up - I use the inside of my kitchen cupboard doors) Know what bills need to be paid when. If you make all your due dates and bad spending habits visible, you will have no excuse for forgetting. Its an easy way to get into the habit of saving.

Good luck saving money!

Further Information:

Living within your means, the easy way