Comments on: Top 10 Everyday Ways to Save Money http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/ A personal development blog! Fri, 10 Feb 2012 18:21:03 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: John the coupon save helper http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/comment-page-1/#comment-203846 John the coupon save helper Wed, 06 Apr 2011 11:29:50 +0000 http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-203846 Thanks for letting us know! As a Customer I find always nice to get a discount on shopping. I have one more online store to add to the list which provides Online coupons (e-coupons), they are a great way to save even more on the items you purchase. And chances are high that the very websites you shop on offer them if you only take the time to look. Thanks for letting us know! As a Customer I find always nice to get a discount on shopping. I have one more online store to add to the list which provides Online coupons (e-coupons), they are a great way to save even more on the items you purchase. And chances are high that the very websites you shop on offer them if you only take the time to look.

]]> By: Emmie http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/comment-page-1/#comment-203818 Emmie Mon, 28 Mar 2011 16:22:43 +0000 http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-203818 I think smoking and drinking habits are responsible for many peoples dry pockets at the moment. That's not to say that people should quit, but when out drinking setting limits is good, and smoking only what you need to smoke. I think smoking and drinking habits are responsible for many peoples dry pockets at the moment. That’s not to say that people should quit, but when out drinking setting limits is good, and smoking only what you need to smoke.

]]> By: Opiayo http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/comment-page-1/#comment-203545 Opiayo Thu, 23 Dec 2010 09:13:38 +0000 http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-203545 A good,insightful article! It clearly pinpoints money wasting habits. A good,insightful article! It clearly pinpoints money wasting habits.

]]> By: Kimberly http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/comment-page-1/#comment-202737 Kimberly Sun, 16 May 2010 14:52:00 +0000 http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-202737 Great list and I’ll add prepaid cell phone carriers to that list. While I was preparing to graduate last year, I realized I was putting out more than $110 a month on my cell phone bill and my budget couldn’t handle it. So I decided to switch to Net10 prepaid and the savings have been huge – more than $70 a month back in my pocket. Over the next two years, I should be saving more than $1,600 with Net10 and I don’t have to worry about contracts or hidden fees. Net10 is totally about savings and flexiblity in terms of plans and phones – phones range as low as $29 and top out at $79 and you can buy minutes as you go or pay month to month. Not to mention while I’m shopping at Target or Walmart, I can actually buy my phone and minutes or re-charge mintues directly from the phone itself. If you’ve ever been skeptical about prepaid, Net10 will make you a believer. Great list and I’ll add prepaid cell phone carriers to that list. While I was preparing to graduate last year, I realized I was putting out more than $110 a month on my cell phone bill and my budget couldn’t handle it. So I decided to switch to Net10 prepaid and the savings have been huge – more than $70 a month back in my pocket. Over the next two years, I should be saving more than $1,600 with Net10 and I don’t have to worry about contracts or hidden fees. Net10 is totally about savings and flexiblity in terms of plans and phones – phones range as low as $29 and top out at $79 and you can buy minutes as you go or pay month to month. Not to mention while I’m shopping at Target or Walmart, I can actually buy my phone and minutes or re-charge mintues directly from the phone itself. If you’ve ever been skeptical about prepaid, Net10 will make you a believer.

]]> By: Ellen S. http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/comment-page-1/#comment-202717 Ellen S. Sun, 09 May 2010 12:57:57 +0000 http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-202717 The concept of "saving money" is easier said than done for most people. I understand that it is 'easy and logical' for some people, but I also understand it can be a difficult habit to break for others. If you're looking to save money or change your lifestyle, my advice is to take it in "baby-steps" because it won't happen overnight. Here are some tips that helped me out. 1. Always pay more than the minimum on any credit card payments – if you don't believe me you can calculate it for yourself (http://www.csgnetwork.com/creditcardmincalc.html) 2. Use coupons when grocery shopping 3. Try online shopping – it’s saves on gas & they have bigger markdowns 4. Read a book – it’s cheaper than going to a movie 5. Know your budget! (https://www.dl.ed.gov/borrower/BudgetCalculator.do) Good luck and happy savings! The concept of “saving money” is easier said than done for most people. I understand that it is ‘easy and logical’ for some people, but I also understand it can be a difficult habit to break for others.

If you’re looking to save money or change your lifestyle, my advice is to take it in “baby-steps” because it won’t happen overnight. Here are some tips that helped me out.

1. Always pay more than the minimum on any credit card payments – if you don’t believe me you can calculate it for yourself (http://www.csgnetwork.com/creditcardmincalc.html)
2. Use coupons when grocery shopping
3. Try online shopping – it’s saves on gas & they have bigger markdowns
4. Read a book – it’s cheaper than going to a movie
5. Know your budget! (https://www.dl.ed.gov/borrower/BudgetCalculator.do)

Good luck and happy savings!

]]> By: My Get Things Done List » Blog Archive » Geld sparen! [ToolBlog] http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/comment-page-1/#comment-201891 My Get Things Done List » Blog Archive » Geld sparen! [ToolBlog] Sun, 09 Aug 2009 04:48:12 +0000 http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-201891 [...] widmet sich dem gleichen Thema: Top 10 Everyday Ways to Save Money.  Was Ivan an Kaffee spart, spart ririanproject an Alkoholika ("Don’t Spend When [...] [...] widmet sich dem gleichen Thema: Top 10 Everyday Ways to Save Money.  Was Ivan an Kaffee spart, spart ririanproject an Alkoholika ("Don’t Spend When [...]

]]> By: Wealth Management Mind Map | IQ Matrix Blog http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/comment-page-1/#comment-201859 Wealth Management Mind Map | IQ Matrix Blog Thu, 30 Jul 2009 09:34:41 +0000 http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-201859 [...] Top 10 Everyday Ways to Save Money @ Ririan Project [...] [...] Top 10 Everyday Ways to Save Money @ Ririan Project [...]

]]> By: Bart http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/comment-page-1/#comment-201797 Bart Sat, 04 Jul 2009 20:27:05 +0000 http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-201797 Ha, man that is wise. I have taken note of your comment. lol Ha, man that is wise. I have taken note of your comment. lol

]]> By: Adderall xr heart. http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/comment-page-1/#comment-189430 Adderall xr heart. Sun, 01 Feb 2009 10:45:36 +0000 http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-189430 <strong>Buy adderall....</strong> Adderall.... Buy adderall….

Adderall….

]]> By: Robert Labossiere http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/comment-page-1/#comment-156262 Robert Labossiere Mon, 24 Nov 2008 16:32:11 +0000 http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-156262 great list, and great comments too... love the one about the frugal spouse :) might add one, don't carry more than a little cash around with you; it totally burns a hole in my pocket anyway, this is more important now than ever, i've posted your list on my website. Thanks! great list, and great comments too… love the one about the frugal spouse :)
might add one, don’t carry more than a little cash around with you; it totally burns a hole in my pocket

anyway, this is more important now than ever, i’ve posted your list on my website. Thanks!

]]> By: Cheapest phentermine. http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/comment-page-1/#comment-103037 Cheapest phentermine. Thu, 21 Aug 2008 12:18:09 +0000 http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-103037 <strong>Order phentermine uk....</strong> Phentermine. Phentermine pill. Buy phentermine online.... Order phentermine uk….

Phentermine. Phentermine pill. Buy phentermine online….

]]> By: Odd Lot http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/comment-page-1/#comment-93963 Odd Lot Fri, 01 Aug 2008 04:00:54 +0000 http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-93963 Great post! Here's a big one that I didn't see on the list that have saved me a ton of cash. If Your Company Offers Free Money, Take It Would you like to get an instant 125% return on your savings plus a bigger tax return? Many company have 401k Matching programs of up to $5,000. This means that they'll match you dollar for dollar on every penny that you contribute. That's a 100% free return for any money that they agree to match. In addition to this free match, all of your 401k contributions reduce your taxable income so you will get a bigger tax return next year. If you're in a 25% tax bracket, you avoid that 25% tax on every dollar you contribute. If you're not contributing, I can promise with 100% confidence that you can contribute at least 2 or 3% of your income without even noticing the difference. For example, if you bring home $2,500 per month and decide to contribute 3% to your 401k to take advantage of this free money, you will still bring home $2,425. What do you get in return? 125% instant gain on your money plus a bigger tax return. The average return on the S&P 500 since 1975 has been 10.75% so a 125% return is a pretty good deal. (keep in mind that this article is about "painless" ways to save, I would normally recommend contributing a much higher percentage. You should contribute at least as much as your company matches, it's free money!) Great post, thank you for all the great tips, I'm always looking for more ways to save. (-: Cheers! Odd Lot http://www.blog.Money-and-Investing.com Great post! Here’s a big one that I didn’t see on the list that have saved me a ton of cash.

If Your Company Offers Free Money, Take It
Would you like to get an instant 125% return on your savings plus a bigger tax return? Many company have 401k Matching programs of up to $5,000. This means that they’ll match you dollar for dollar on every penny that you contribute. That’s a 100% free return for any money that they agree to match.

In addition to this free match, all of your 401k contributions reduce your taxable income so you will get a bigger tax return next year. If you’re in a 25% tax bracket, you avoid that 25% tax on every dollar you contribute. If you’re not contributing, I can promise with 100% confidence that you can contribute at least 2 or 3% of your income without even noticing the difference.

For example, if you bring home $2,500 per month and decide to contribute 3% to your 401k to take advantage of this free money, you will still bring home $2,425. What do you get in return? 125% instant gain on your money plus a bigger tax return. The average return on the S&P 500 since 1975 has been 10.75% so a 125% return is a pretty good deal. (keep in mind that this article is about “painless” ways to save, I would normally recommend contributing a much higher percentage. You should contribute at least as much as your company matches, it’s free money!)

Great post, thank you for all the great tips, I’m always looking for more ways to save. (-:
Cheers!
Odd Lot
http://www.blog.Money-and-Investing.com

]]>