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 with practical ideas on how to make important changes in your life, both big and small, so you can get your life on track and start living up to your true potential. Sat, 05 Jul 2008 09:41:32 +0000 http://wordpress.org/?v=2.0.5 by: yellodeere http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-77864 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-74652 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-68813 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-63807 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.

]]> by: Richard Brickley http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-50727 Wed, 19 Mar 2008 18:25:51 +0000 http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-50727 Coupons are mostly a waste of money and time. First they are for the expensive brand name products so if one buy a generic brand it is usually cheaper even without the coupon. Second is that a lot of the coupons are above $.50 for a quantity of 2 or more of their products. This is done because some stores will double or triple the value of the coupon if they are $.50 or below. A $.25 coupon on one if doubled will be $.50 off which is better than $.75 off two since they will not double the $.75 coupon. The best way to save is to watch for sales and buy in quantity when they have them. Coupons are mostly a waste of money and time. First they are for the expensive brand name products so if one buy a generic brand it is usually cheaper even without the coupon. Second is that a lot of the coupons are above $.50 for a quantity of 2 or more of their products. This is done because some stores will double or triple the value of the coupon if they are $.50 or below. A $.25 coupon on one if doubled will be $.50 off which is better than $.75 off two since they will not double the $.75 coupon. The best way to save is to watch for sales and buy in quantity when they have them.

]]> by: Top 10 Loans on The Finance World For News and Information Around The World On Finance » Top 10 Everyday Ways to Save Money http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-46507 Sun, 02 Mar 2008 17:09:31 +0000 http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-46507 [...] Top 10 Everyday Ways to Save Money Nobody in their right mind would pay 18 percent interest on a car loan, but people seem to have no problem paying comparable rates on their credit card purchases. I’m not advocating that you trash your card — keeping a consistent … [...] […] Top 10 Everyday Ways to Save Money Nobody in their right mind would pay 18 percent interest on a car loan, but people seem to have no problem paying comparable rates on their credit card purchases. I’m not advocating that you trash your card — keeping a consistent … […]

]]> by: Matt http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-45402 Tue, 26 Feb 2008 21:41:06 +0000 http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-45402 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. It really is surpirsing what some people call a need. I turn on the TV every few days or so just so I dont have to turn the main lights on to put my boots on. Its all garbage anyways. I don't go to the library, but I would say the number one saver for me is books. My books tend to get dirty sometimes. I buy em used for .50 to 2 dollars. If you live a simplistic life, you will see how much of this other stuff is usless hype. 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.

It really is surpirsing what some people call a need. I turn on the TV every few days or so just so I dont have to turn the main lights on to put my boots on. Its all garbage anyways. I don’t go to the library, but I would say the number one saver for me is books. My books tend to get dirty sometimes. I buy em used for .50 to 2 dollars. If you live a simplistic life, you will see how much of this other stuff is usless hype.

]]> by: C'est gratuit http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-43992 Sat, 16 Feb 2008 10:20:16 +0000 http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-43992 <strong>Top 10 Everyday Ways to Save Money...</strong> Do you feel nervous waiting for the ATM to print out your account balance? Do you find yourself often gazing into an empty wallet, confused? It’s getting harder to blame savings shortfalls on your miserable pay stub. In fact, how much you save has li... Top 10 Everyday Ways to Save Money…

Do you feel nervous waiting for the ATM to print out your account balance? Do you find yourself often gazing into an empty wallet, confused? It’s getting harder to blame savings shortfalls on your miserable pay stub. In fact, how much you save has li…

]]> by: Doodee http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-41616 Sat, 02 Feb 2008 16:24:13 +0000 http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-41616 Thanks for sharing Thanks for sharing

]]> by: Kenneth - Guy From Personal Development Blog http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-38491 Wed, 09 Jan 2008 05:29:29 +0000 http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-38491 I do throw away all the coupons I get it for free and never did use one of them before. It was my mistake didn't realize their true value. I could easily save up to hundred of dollars. Well... I'll start using them. Brilliant post.. Digged and Stumbled I do throw away all the coupons I get it for free and never did use one of them before. It was my mistake didn’t realize their true value. I could easily save up to hundred of dollars. Well… I’ll start using them. Brilliant post.. Digged and Stumbled

]]> by: Gina http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-36254 Wed, 19 Dec 2007 15:24:51 +0000 http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-36254 Here is a way to save $$ and have more time. Cancel cable! We canceled our cable television subscription 5 years ago and haven't missed it one bit. We made the change initially to save money (about $50.00/month) but found an added benefit -- we spent more time reading, walking and choosing to watch free online video content. We ended up a bit more fit, a bit smarter and with a bit more $ saved :) Here is a way to save $$ and have more time. Cancel cable! We canceled our cable television subscription 5 years ago and haven’t missed it one bit. We made the change initially to save money (about $50.00/month) but found an added benefit — we spent more time reading, walking and choosing to watch free online video content. We ended up a bit more fit, a bit smarter and with a bit more $ saved :)

]]> by: ChangePerPost http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-35738 Sat, 15 Dec 2007 08:30:12 +0000 http://ririanproject.com/2007/12/02/top-10-everyday-ways-to-save-money/#comment-35738 Excellent post - you've been CPP'd! Excellent post - you’ve been CPP’d!

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