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Tuesday, September 8, 2009

Keep More Money For Yourself By Alternatives

By Robert Jackson

One of the simple ways to keep more money in your pocket is to run through your list of expenses and think of alternatives. If you get creative, you will find that not many things are really irreplaceable.

Jogging every day and eating healthy probably beats having a gym membership any day. The activities are naturally possible 24 hours a day and you also get fresh air.

TV is one of the more expensive expenses on everyone's budget. By using something like Netflix, we can cut out monthly cost by $80 a month without sacrificing advertising. Sounds great doesn't it?

More and more people are switching to cell phones as their primary communication devices. Being able to cut the land line is great because that's another $30 out of your monthly budget.

Restaurants usually give you so much sauce that you can just add more meat to the dish and have it still taste the same. This works especially well for Chinese food, so even if you don't know how to cook, you can eat at home for less now.

Do you pay for unlimited cell phone minutes? Even if you aren't, you are probably paying for more minutes than you need. Consider downgrading and keeping more money in your pocket.

Many people redeem points for merchandise but redeeming for cash or travel certificates are usually the best deal. Think about all the options that they give you and run the numbers!

If you like magazines, it's probably easier if you just bite the bullet and pay for a year's worth. This one is a little backwards but when it cost $5 at the stand and $10 for a year's worth, getting the year is probably worth the cost assuming you actually like the content.

Renting, even a house, can be advantageous at times because it gives you the flexibility to change your mind. Since most purchases are on impulse, the ease of stopping your payment can help you save big.

Sometimes, generic brands are as good, if not better than name brands. The best part is that since they don't do any marketing, the product is usually much cheaper and that translates directly to savings for us. - 23223

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