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    Money, Money Everywhere, But Not a Dime to Spend

    By Sara Richmond Walls     

    Feel like you work all the time with nothing to show for it? Many Americans are in the same boat, finding it hard to pay the house payment and feed their mouths, much less enjoy the extraneous pleasures money can buy. Is this because the Middle American is in the cliché state of being overworked and underpaid? Possibly. But there are ways to stop spending as much money on a daily basis, and thus build up a rainy day fund or put away for vacation.

    Keep the Change

    How often do you walk down the street and find a penny lying in the curb? It seems small and insignificant, but being observant and watchful of your change could have a dramatic impact on your finances. Start a change jar in your home, and at the end of the day empty your pockets in to it. Then, when the jar is full, roll your change and take it to the bank! Depending on the size of the jar and the frequency of cash use (so many people use debit cards these days), you can save around $30.00-$50.00. In regards to the debit card use, there are now banks that offer to round up to a whole dollar and put the difference in a savings account. Another great idea.

    Plan your Meals Weekly

    A big money eater for individuals and families in the workforce is food. Often, this is a result of poor planning. If you work during the week, give yourself a budget of how much you want to spend on lunches. Get this amount out of your account in cash. Doling out the green stuff is different on the psyche than swiping the card. You will be more frugal during these lunches because of that. Packing is another alternative.

    This planning also needs to be incorporated into your grocery store routine. If you go to the grocery store or stores such as Wal-Mart without a list, you run the risk of purchasing things you don’t need. Figure out what you need on a weekly basis and keep the “shopping” trips to a monthly basis. Buy only what you will use. For example, you may get a better “deal” if you purchase a gallon of milk, but if at the end of two weeks you throw away a half a gallon, you were better off just purchasing a half-gallon.

    In addition to this, remember to shop around. Different items are priced differently at various places. You may find that a gallon of milk may be cheaper at your local convenience store while your drug store may have cheaper deodorant. Of course you can’t run all over town looking for the best deals, but two or three well-planned stops may help you save.

    Written by Sara Richmond WallsRate this article:

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