Four Simple Solutions for Saving Money

Coupons, Incentives, Alternatives and Attitude Can Play A Major Role

When it comes to saving money, we all can use a little help with our money handling and savings techniques.

A few simple solutions to try are noted below.

1. Use Coupons – Coupons are not just for food anymore! Check your local newspapers, online and in your post office and email addresses for money saving coupons to use in buying your next computer, software, bookstore, office supply store or any other purchase. Enjoy a renewed social life, too. Head to the fitness center, take your spouse out to a nice dinner and get your pet groomed – all with coupons that save you money. Plan ahead and keep them in a drawer or specially marked container. You will need to review them monthly or quarterly and get rid of the expired ones. Trade them with friends, neighbors, co-workers, church and organization members, colleges and family.

2. Take Advantage of Incentives– Incentive programs are offered by many credit cards, restaurants, movie theaters, stores and other places. One or more may fit into your purchasing plans, allowing you to earn things like free air travel miles, movies and pop corn, gasoline, meals, a percentage back in the form of a check, gift certificates and more back in exchange for your participating in their program. Keep up with the times, too. If your child is grown, no need to use your Toys-R-Us Visa and get back certificates for toys any longer. Call the bank and see which other programs they have, ask your friends which ones they use, surf the Internet for new offers - and switch.

3. Alternatives: Discounts and Generic Labels – Look for alternative solutions before you spend. Often there are generic packages of the products you want (items with no brand names), and there are home remedies and local pharmacists to ask for alternatives to expensive medications and treatments. Many places offer discounts for package deals, such as when everyone gets a haircut at the same place, instead of just one person.

4. Attitude – Don’t focus on what you “don’t have.” Instead, focus on what you “do have.” Make lemonade out of those lemons; recycle what you can, reuse what you can, donate what you can. No need to have “new” things all the time, or even part of the time. Be happy with what you have now and make it work for you! Go to the library to access the free help available in thousands in books that can show you step by step how to get exactly what you want.

And while you're at it. Download the free Science of Getting Rich ebook. It will get you off to a great start.

So look before you leap to grab your wallet. Take a time out, sip some herbal tea and plan ahead with coupons, incentive programs and alternative buying solutions. Make your money stretch just a little bit farther because each time you do, in effect, you give yourself a raise!

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