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! Wed, 17 Mar 2010 14:34:17 +0000 http://wordpress.org/?v=2.9.2 hourly 1 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 [...]

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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!

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]]> 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

]]> By: Odd Lot http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/comment-page-1/#comment-93962 Odd Lot Fri, 01 Aug 2008 03:59:34 +0000 http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-93962 Great post! Here are a couple that I didn't see on the list that have saved me a ton of cash. Go Semi-Pro I'll admit that, during the playoffs and majors, I'd prefer to watch my favorite NFL, MLB or PGA stars over any semi-pro event, but during the regular season I'll take semi-pro any day! No traffic, cheaper beer, cheaper snacks, and the kids you're watching are playing purely for love of the game since they don't have multi-million dollar contracts. This is a much less expensive outing for a family or group of friends than a professional sporting event. Semi-Pro sports are also becoming a popular form of entertainment again, they've had a real revival in the past few years, especially football, baseball, golf and soccer. I've been to great coliseum football games, semi-pro soccer, Nationwide tour events and minor league baseball games. The competition actually felt more intense than regular season professional events. The fans we're really having a blast, you can just sit back and soak up the energy. Some of the players were locals and it's always fun to watch and pull for hometown athletes. 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 are a couple that I didn’t see on the list that have saved me a ton of cash.

Go Semi-Pro
I’ll admit that, during the playoffs and majors, I’d prefer to watch my favorite NFL, MLB or PGA stars over any semi-pro event, but during the regular season I’ll take semi-pro any day! No traffic, cheaper beer, cheaper snacks, and the kids you’re watching are playing purely for love of the game since they don’t have multi-million dollar contracts. This is a much less expensive outing for a family or group of friends than a professional sporting event.

Semi-Pro sports are also becoming a popular form of entertainment again, they’ve had a real revival in the past few years, especially football, baseball, golf and soccer. I’ve been to great coliseum football games, semi-pro soccer, Nationwide tour events and minor league baseball games. The competition actually felt more intense than regular season professional events. The fans we’re really having a blast, you can just sit back and soak up the energy. Some of the players were locals and it’s always fun to watch and pull for hometown athletes.

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

]]> By: yellodeere http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/comment-page-1/#comment-77864 yellodeere Fri, 13 Jun 2008 14:13:53 +0000 http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-77864 Use Direct deposit! Deposit 90% of you take home pay into a savings account. I call mine "the delayed spending account". Then when you NEED money transfer it into your checking account. It's unreal how your attitude changes about taking any more than necessary, from savings even just to pay bills! Use Direct deposit!
Deposit 90% of you take home pay into a savings account. I call mine “the delayed spending account”. Then when you NEED money transfer it into your checking account.
It’s unreal how your attitude changes about taking any more than necessary, from savings even just to pay bills!

]]> By: TopWaysToSave http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/comment-page-1/#comment-74652 TopWaysToSave Tue, 03 Jun 2008 04:19:01 +0000 http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-74652 I love your top ten list. The only one thing I think a little differently on is the going easy on the plastic. I think people difinitely need to be cautious with using credit cards of course. I find a lot of people who carry cash are just as likely to burn through it. I firmly believe you should charge only what you can afford to pay in full every month. With charging you can rack up some rewards or airlines miles. If you're going make a purchase you might as well get something back. Also it gives you a nice breakdown where you can see exactly where your money goes every month. Using credit cards gives you the ability to dispute charges and in many cases can offer built in things like rental insurance, travel insurance or extended warrantee coverage. Always pay the card as soon as possible so you are less likely to forget. One missed payment can increase the Annual percentage incredibly and also tack on a $15-40 fee. I love your top ten list. The only one thing I think a little differently on is the going easy on the plastic. I think people difinitely need to be cautious with using credit cards of course. I find a lot of people who carry cash are just as likely to burn through it. I firmly believe you should charge only what you can afford to pay in full every month. With charging you can rack up some rewards or airlines miles. If you’re going make a purchase you might as well get something back. Also it gives you a nice breakdown where you can see exactly where your money goes every month.
Using credit cards gives you the ability to dispute charges and in many cases can offer built in things like rental insurance, travel insurance or extended warrantee coverage. Always pay the card as soon as possible so you are less likely to forget. One missed payment can increase the Annual percentage incredibly and also tack on a $15-40 fee.

]]> By: Elizabeth http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/comment-page-1/#comment-68813 Elizabeth Wed, 14 May 2008 01:41:23 +0000 http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-68813 I have to comment on what Matt said, "All you gotta do is join the Army for a few years. After spending months sleeping in the dirt and rucking in the rain, just a hot shower and a warm bed is all you need to keep you happy. Everything else is just a plus." That is so true, we never know how much we have and how lucky we are until we don't have it anymore. It's amazing what people think they can't live without. We are so fortunate that we have so much. But if you take a chance and try to do without something, sometimes it broadens your horizons and you find other things to fill the gap. You might find something new and save money at the same time! I have to comment on what Matt said, “All you gotta do is join the Army for a few years. After spending months sleeping in the dirt and rucking in the rain, just a hot shower and a warm bed is all you need to keep you happy. Everything else is just a plus.”

That is so true, we never know how much we have and how lucky we are until we don’t have it anymore. It’s amazing what people think they can’t live without. We are so fortunate that we have so much. But if you take a chance and try to do without something, sometimes it broadens your horizons and you find other things to fill the gap. You might find something new and save money at the same time!

]]> By: krissi http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/comment-page-1/#comment-63807 krissi Sun, 27 Apr 2008 22:31:15 +0000 http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-63807 I use coupons all the time. I don't waste my time cutting out the little ones that are for .50 or less or like a $1.00 off if you purchase 4 items. I do find a lot of buy one get one free coupons. I stock up on everyday items like toothpaste, laundry detergent, shampoo and dish soap. You would be surprised. It's not a waste of time if they are the items you are buying anyway. I buy a Sunday paper and if the coupons are great i buy multiple Sunday papers the following day for a quarter. There are restaurant coupons as well. My husband and I go on a date night once a week and haven't paid for two meals yet...we get awesome coupons through signing onto company websites. They don't send a whole lot of emails and they give a free appetizer for joining and a free dessert for birthdays each year. I save $600 a year just on coupons. That means one month of rent or six months of car insurance. :) Entertainment.com coupon books are the best and they support local businesses...every purchase usually supports a charity as well. :) Ebates.com is a great place to save too. Nothing wrong with coupons...they're made for a reason. I use coupons all the time. I don’t waste my time cutting out the little ones that are for .50 or less or like a $1.00 off if you purchase 4 items. I do find a lot of buy one get one free coupons. I stock up on everyday items like toothpaste, laundry detergent, shampoo and dish soap. You would be surprised. It’s not a waste of time if they are the items you are buying anyway. I buy a Sunday paper and if the coupons are great i buy multiple Sunday papers the following day for a quarter.
There are restaurant coupons as well. My husband and I go on a date night once a week and haven’t paid for two meals yet…we get awesome coupons through signing onto company websites. They don’t send a whole lot of emails and they give a free appetizer for joining and a free dessert for birthdays each year.
I save $600 a year just on coupons. That means one month of rent or six months of car insurance. :) Entertainment.com coupon books are the best and they support local businesses…every purchase usually supports a charity as well. :)
Ebates.com is a great place to save too. Nothing wrong with coupons…they’re made for a reason.

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