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Simple Money Saving Tips that Still Work

Search for coupons. There is an overabundance of coupons available that can save you hundreds of dollars a month. Don’t just in Sunday’s paper but in the free publications that you get delivered in your mail. The advertisement flyers that are dropped at your doorstep offer dollars off for meals, vendor services and even home repair. The Laundromat or the local pizza shop may have a stack of old papers with valid coupons. Use your time wisely. When you are doing your laundry you can be skimming the paper for valuable savings.

Don’t buy it if you don’t need it. Despite the availability of coupons and discounts on goods and services, don’t buy it if you don’t need it or won’t use it. Purchasing things that have little or no value to you is not a way to save money in the long run. 
Use available discounts. Many of the stores that you regularly use offer discounts that may not be advertised to the general public. That AAA card can be a huge savings to many people if they remember to pull it out at the checkout counter. From coffee shops to shoe stores to insurance discounts, AAA has hundreds of money saving gems just waiting to be cashed in. Computer stores often times have discounts for returning members. The smaller local businesses may be agreeable to discounts for valued customers. These discounts are often times not advertised anywhere other than the checkout counter. Local drug stores such as CVS and Walgreens have member cards that offer points or discounts on your purchase if you present the card when your purchase is being rung up. Forgetting your card could cost you several dollars more on your purchase. So don’t forget your card. 
Negotiate with your service providers. It never hurts to ask if your current service providers for your cell phone, electric company, credit card, cable provider or insurance agencies have a number of unique service packages that can be specially tailored to your request. It doesn’t hurt to ask. Many companies may have non-advertised discounts or packages that could save you money and better fit your needs. Cold calling them to ask about discounts or available services may result in money savings. 
Weigh the benefit of shopping on-line. Shopping on-line can be a huge time saver but not always a money saver. For example if you find a gift for $15.00 the shipping and handling may be $10.00. The total of the $15.00 gift may end up costing you $25.00. The shipping costs sometimes almost equal the cost of the item itself. Typically the more you buy the lower the shipping charges.  You should always consider if shopping on line will save you money in the long run, especially when you are just picking up one or two things on-line. While on-line shopping can be convenient and quick, it may not always be beneficial to the wallet.   


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