Save Money Without Changing Your Lifestyle

Save Money Without Changing Your LifestyleWe all want to save money but none of of really want to change our lifestyle. When people decide to start saving money the first thing they do is cut back on all the fun stuff, they stop going to the movies, stop shopping, stop going out to eat with friends. What if I told you that you can save money without changing your lifestyle? All you have to do is find creative ways to spend less when going out.

Here are a few tips that I used to leave money in my pocket when I go out:


Save Money When Going To a Restaurant:

  • Always use coupons! I can’t stress that enough. There are many ways to find them. The Sunday paper usually has coupons for a few restaurants. Many restaurants send out coupons in the mail hoping to get you to visit them. The Entertainment Book has coupons for many restaurants. The restaurant’s own website might have a coupon that you can print out and bring in. Sometimes you will find coupons in their take-out menu. You will be able to save a few dollars just for taking a few seconds to look for a coupon.


  • Share a meal. If you’re going out to dinner, many times you can get away with ordering one main course and an appetizer or salad and sharing them with your partner since the portions are so large. By splitting them, you will save a lot more then if you had each gotten your own meal, plus you will get more of a selection since you’ll get to taste both an appetizer and an entrée.


Save Money When Wanting To See a Movie:

  • If you want to go to the movies, consider going during the day, or in the early evening. These are all considered matinee showings, and you will usually pay about half of the price you would pay at night! It doesn’t sound like that big of a savings, but if you go to the movies just once a month, you can save $54 a year per person. You’ll save even more if you go more often!


  • If you want to save even more money, you can rent the movie once it goes to DVD. Many websites will allow you to buy packs of 10 DVD rentals, and you will end up saving anywhere from $0.50-$1.50 per rental! This can really add up. If you rent one movie per week, you can save up to $78 a year! Also keep an eye out for coupons that allow you to rent one and get the second free.


There are a lot of other simple things you can do so save money when you go out. For more a full guide on saving money and getting out of debt >>>Click Here


Become a Millionaire With These Money Saving Tips

Become a Millionaire With These Money Saving Tips – Let’s face it, when you’re young, thinking about growing old is a scary thought.

Will I have enough money to retire at an early age?

Will I even have enough money to retire at all? Most Americans would love to retire at the standard age of 59 ½ or 65.

But with the rising cost of everyday living, these targets are becoming harder and harder to hit. Increased Healthcare Costs, Rising Insurance Premiums, Housing Market Fluctuations, Energy Price Increases and Growing Medical Expenses are digging into savings that were once thought of as your nest egg.

In order to retire comfortably, you must start saving at an early age. If you follow a few golden rules, you can possibly retire early and even be a millionaire.


For starters, it’s imperative that you open an Individual Retirement Account (IRA) at an early age. How early?

How about right out of High School! There are two types of IRA’s that you should familiarize yourself with; the Standard IRA and Roth IRA.

Both investments have their benefits and drawbacks that your accountant can go over with you. If you do not have an accountant ask your the financial manager of your local bank to guide you in the right direction.

You can also do a quick Google search of these IRA’s. The search results will give you an in depth look at how they work.


Once you have setup your IRA, a 401K Retirement Plan is a great way to invest your weekly earnings.

Most large corporations offer a multitude of 401K plans to suit your needs. Some of these corporations even match your investment up to a certain dollar value.

The maximum amount of money you can contribute to a 401K is 10% of your earnings. You might think this is too much but believe me, its not. After a while, you won’t even realize its missing from your paycheck. In a few years, that 10% will compound itself into a nice nest egg.

>>> Check out our Get Out Of Debt Fast Guide

Now that you have an IRA and a 401K, Debt Reduction is the next key element in striving for that early retirement. Reducing credit card debit should be your number one priority.

Let’s face it. Most Americans live in debt. My advice to you is, don’t be one of them! Credit Card debit can consume a large chunk of the money you set aside each month for savings.

With credit card interest rates as high as 21%, carrying a $1,000 balance can cost you hundreds of dollars each year if you just pay the minimum amount due.

If you are holding credit card balances on multiple cards that amount to over $5,000, you should consider a Debit Consolidation Loan.

Your local bank can offer advice on these types of loans or you can contact one of the Debt Consolidation Companies on the web to assist you.

Just remember, when dealing with a Debt Consolidation company, they’re in business to make money.

Unfortunately, there are many unscrupulous companies that are not looking out for your best interest, so learn as much as you can about them before signing any papers.

You can check the Better Business Bureau to see if they have any claims against them. If so, steer clear and look elsewhere.


Buy a House; Do Not Rent! I can’t stress this enough. Renting an apartment is just throwing money away. When renting, you’re making someone else a millionaire!

Here is a little story for you. When my sister got married six years ago, she asked me for some advice on married life. Well, my advice to her wasn’t about marriage at all.

I told her to purchase a house instead of renting an apartment. She looked at me funny and said, “Well, we plan on renting for a little while to save up enough money to buy a house.”

I told her that if she chooses that route, I’ll be visiting her in that same apartment five years from now. Sure enough, she chose to rent and is now stuck in that same apartment because she was throwing away $1200+ per month in rent for the past six years.

She could have been making monthly mortgage payments that were building equity. I know it’s not easy to purchase a home these days but do what ever you can to save up enough for that down payment. There are plenty of programs for first time home buyers that can assist you. You can consult your local bank about these programs.

Follow these tips and you will be well on your way to an early retirement. Start early enough and you might even be a millionaire! Good Luck!

>>> Are you in debt? Trying to save money? Check out our Get Out of Debt Fast Guide!


5 Steps to Get Out Of Debt.

Have you succumbed to the lure of credit cards and found yourself in a bit of a pickle because of it? Getting out of credit card debt is something a lot of us dream about.


Pull up a chair and have a seat – Welcome to the ever growing club of consumer debt. Your biggest challenge now is to dig yourself out of this situation and avoid having to pay anyone to help you do it.


The options at this stage are usually as follow (depending on the level of credit card debt):


  • Consolidate into a loan.
  • Debt Management.
  • Bankruptcy.
  • Do Nothing.
  • Just pay off the cards over as long as it takes.
  • Make the minimum payments and keep spending.
  • Make an effective DIY plan.

The more popular solutions – such as consolidation loans and debt management -we see being touted everywhere are the ones that put your money in other people’s pocket.

I don’t know about you but for me becoming free from debt should not involve spending more money, or *borrowing your way out of debt*.

So how does a DIY system work?

To break it down into 5 steps it looks something like this:


  1. Evaluate your spending habits. Find why you are in debt.

To ever win with money and have a comfortable financial future you have to control your money – not the other way round.

Take complete control and set yourself some realistic yet desirable goals for the future.


  1. Know what options are available to you.

Along the way you will be tempted by quick fix ‘make it all better’ solutions   like consolidation loans and debt management.

As mentioned already there is a multi billion dollar industry making a very healthy profit from consumer debt.

Your DIY plan does not involve *paying to get out of debt*.

>>> Click here to get full access to our Complete Get out Of Debt Guide.

  1. Know your credit score.

Any debt relief system requires a bit of budgeting. As long you’ve followed the rest of the plan so far, have desirable goals and no intention of taking an easy -and expensive – way out you won’t have trouble budgeting.

The other thing to know is your credit score. There are a staggering amount of mistakes found on credit scores that result in people paying more interest than they should. If you are eligible for lower rates and 0% APR cards to move expensive balances on to – you need to know about it.


  1. Minimize outgoings, Maximize income and leverage your cash flow.

If you could be paying less for utilities and day to day expenses you should. There is a very fine art of money saving that you will become very good at if you’re going to be successful at this.

Home economics, consumer education and bargain hunting can save you incredible amounts of cash that can go toward paying off your debt quicker.

If you’re really serious you can take it a step further and create a secondary source of income. Be it a second job, or using a natural skill/strength you have that can earn you money in your spare time.

With the opportunities available on line it’s never been easier to find those who are seeking out some knowledge, experience and skills that you have and that they would pay you money for.


  1. Form your system and put it into action.

Having followed the first 4 steps and laid some sturdy foundations you are now in a position to develop a quite powerful ‘snowball’ plan. That is a system that gains momentum as you execute it.

This step is completely dependent on the first 4 steps and generating an extra figure that you can assign to snowballing your credit card debt. As the debts get paid off the figure grows and subsequently clears the rest of the debts a lot quicker – saving you a tidy amount of interest in the process.

It is very possible use a DIY plan and enjoy great success from it, yes it takes a bit of hard work and discipline on your part but the alternatives just cost you more and keep you in debt for longer.

It’s your money, it’s your life – if you want to truly own them both then you have to take control – not give it over to someone else. Control or be controlled, the choice is yours.

Those are some DIY solutions to getting out of debt, however to make getting out of debt easier I created a simple guide to get out of debt fast.

>>> Click here to get my simple Get Out of Debt Fast Guide