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Easy Ways to Manage Money21 Simple Money Saving Tips!Everyone seems to be searching for ways to manage money. It seems that everyone would love having more of the "green stuff." Maybe you can agree? 
In fact, learning how to manage and save money will allow you to earn more later on. If you can't handle your current income, an increase wouldn't do you any good.No matter how much you are able to earn, if you spend it all, you will never get ahead! So learning how to save money will be a habit that will benefit you for life. Whether you are saving to get out of debt, buy a new home, send your kids to college or you’re aiming for an early retirement, finding ways to manage money and save more is a GREAT IDEA! The following is a list of 21+ money saving ideas that are simple and convenient. 21) Consolidate Your Bills Combining your phone, internet and cable bills through one company usually saves a good amount of money. It is also easier to pay one bill than three, so convenience is an added benefit. Also consider consolidating a few of your credit cards. Getting a low interest loan to pay of 2 or more cards can save you a fortune. 20) Eat Another Meal at Home We all love eating out at our favorite restaurants. However, eating out can be eating away at your bank account. Don’t stop all together, but try eating one more meal at home and add the difference to your saving account. It adds up. 19) Stop Your Bad Habits It's a fact that drinking and smoking have negative effects on your health, but they have equally bad effects on your bank account. Some ways to manage money helps in managing your health too. It's a win-win. 18) Buy Generic Products The quality of most generic products are the same as the brand names, and a whole lot cheaper. Try using store brand household products and bathroom necessities. You won't even notice a difference. 17) Buy Online Buying online is a great way to save money. With proper planning, you can pre-purchase many things so you are not forced to go to the store at the last minute. You can find the items cheaper, as well as save on gas and time. 16) Organize Your Bills Missing a payment is a great way to lose money. Late fees are a waste, and can easily be avoided with proper planning. You want ways to manage money and save, so get organized. A late fee is a perfect waste. 15) Buy a Water Filter Bottled water costs more than gas. It's crazy! By a water filter and refill your favorite bottle. This can amount to huge savings, as well as do something positive for the environment...A WIN-WIN! 14) Keep Air in Your Tires Surprisingly you can save hundreds of dollars a year on gas by keeping your tires properly inflated. Did you know that? Also, try and find the best gas prices. If you drive regularly, this can be a great place to "trim some fat." By planning ahead, you can save anywhere from 10 cents or more per gallon. 13) Use Energy Efficient Appliances Look for the ENERGY STAR logo next time you need a new appliance. Most of these appliances use 50% less energy than the competition. The upfront cost may be a little higher, but they usually pay for themselves quickly, and then you're saving. 12) Make a Shopping List Never go to the grocery store without a detailed list of what you need. Impulse buys are usually unnecessary. Make a list and stick to it. Once again, a little planning pays off. 11) Recycle your bottles and cans This is another win-win. You can save (or earn) money and be helping out the environment at the same time. Depending in the amount of bottles and cans you use, it could amount to $30-$50 a month. 10) Cancel Unused Subscriptions or Memberships If you have magazine subscriptions or gym memberships that are going unused, cancel them immediately. This is a very common money waster. 9) Pay Extra on Your Mortgage By paying ahead as little as $100 a month on your mortgage, you can save up to $50,000 in interest on a 30-year loan. Paying more than needed is one of the best ways to save money in the long run. 8) Change Your Bulbs CFL's (compact fluorescent light bulbs) last a lot longer than regular bulbs, and they use considerably less energy. Sounds small, but it adds up. Each time you need to replace a bulb, put in a CFL. 7) Boycott Starbucks! Yes everyone loves a cup great cup of coffee, but at $4-5 a cup, Starbucks is killing your bank account. Buy a coffee mug and start brewing your own. You will save thousands a year if you drink coffee daily. 6) Buy in Bulk This goes for food as well as household products. Buying in bulk is a huge money saver, and will save you unneeded trips to the store. Proper storage allows bulked food to last until it is used. Not only is this a money saver, but a time saver as well. 5) Keep Your House Insulated Have your house checked to make sure the insulation is up to date. A well insulated house will save you money year round on heating and cooling. Once again, the savings of this can be drastic. 4) Wash Your Car at Home Instead of spending $20 to have your car washed, or even $7-10 to wash it at a car wash, wash it at home. You can buy a bottle of soap for a few bucks, and we'll assume that you already have a vacuum. 3) Book Trips Well in Advance By properly planning your next vacation, you can save a small fortune on airfare and hotels. Also, try and plan trips during the "off" season, it’s cheaper and less crowded. 2) Replace Expensive Hobbies with Cheaper Ones Some of the funnest things to do are also the cheapest. Take a hike, go to the beach, or have friends over for game night. Going to the movies for two (including snacks) can cost $30-$40 bucks! 1) Keep Track of Your Change Saving your change seems so simple, yet so many people fail to do it. Make it easy by having a "piggy bank" or designated change jar. It adds up quick. And never pass a penny on the street without picking it up. Money is money. The average person can save in upwards of $500 a year in change alone. Got your favorite money saving tips? We would love to hear them and share them with the world. "Plant a garden. With produce prices soaring at an alarming rate, this is a wonderful (and healthy) way to save money."-Kim Wesson Well there you have it, 21 easy ways to manage money and save a lot more of it. Saving money is one of the best ways to manage money. It doesn't matter how much you earn, if you spend it all, you won't get anywhere. Saving money is the first step to financial freedom! For more ways to manage money check out ......
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