Seb koj nyob nraum strapped rau nyiaj ntsuab los yog xav xis, peb yuav tag nrho sawv mus ua ib tug ob peb tweaks rau peb tus kheej pob nyiaj siv. Txuag ntau, txuag sai thiab txuag smarter nrog cov nyiaj txuag cov tswv yim:
1. Them koj tus kheej ua ntej. Txuag tau nyiaj tsis xav txog nws. Teem ncaj deposit rau hauv ib lub savings account thiab saib koj zes qe loj hlob. Link: http://www.getrichslowly.org/blog/2008/06/16/personal-finance-made-easy-pay-yourself-first/
2. Brew nws nyob hauv tsev. Yog hais tias koj lob txawm cov uas pheej yig ntawm kas fes lub nyob rau hauv lub mus, hais ib tug $ 2 khob txhua txhua lub lim tiam hnub twg, koj nyob nraum shelling tawm $ 520 ib xyoos. Sim loj tubs ntawm kas fes es tsis txhob. Lawv mam li kav thiab koj yuav txuag.
3. Unplug. Ntau ntawm cov gadgets, hluav taws xob thiab khoom siv kos hwj chim txawm tias koj nyob nraum tsis siv lawv. Rub lub plug nyob rau hauv cov khoom uas hais tias koj tsuas siv puav thiab rau ntxiv cov ntsiab lus, Unplug koj Chargers (cell, PDA thiab cov zoo li) thaum tsis siv.
4. Nyob twj ywm nyob rau hauv nrog cov phooj ywg. No ib tug yog ib qho yooj yim. Mus nrog pals yuav luag ib txwm nqi ntau tshaj li nyob rau hauv. Tsis txhob mloog kev txhib kom splurge thiab caw cov phooj ywg tshaj rau cocktails, ib tug potluck, lub Rooj Tswjhwm Saib kev ua si los yog ib tug yeeb yam.
5. Muas nyob rau hauv loj. Sam txoj kev Club thiab Costco yog nej cov phooj ywg.
6. Xim av hnab nws. Yog hais tias koj xav tau cov ntsiab thiab mus, koj yuav tau yooj yim siv $ 1300 ib xyoo xwb rau lub caij noj mov ($ 5 / noj su / lim tiam hnub). Ntim koj su es tsis txhob - koj mam li tseg ib txhia dineros thiab cov zaub mov yuav yuav yuav ntau dua noj rau nkawv noj. Link: http://www.fiscalfizzle.com/2009/05/brown-bag-lunch/
7. Team li. Ib txoj kev zoo mus koom nrog rau cov me nyuam nyob rau hauv lub txuag cov txheej txheem yog mus de ib lub kev lom zem tsev neeg yam khoom uas koj tag nrho xav - tej zaum ib tug tshiab TV, ib tug Xbox los yog ib qho chaw twg mus rau lub kev lom zem ua si - thiab pom zoo ua pov koj spare hloov nyob rau hauv ib lub raj mis nyob rau hauv lub chav ua noj . Nws yog ib tug zoo zaj lus qhia nyob rau hauv txuag rau dab tsi koj xav tau thiab teaming li yuav coj tus tsev neeg ua ke.
8. txiav cov cable (tsawg kawg yog ib tug me ntsis). Muaj feem ntau ntau ntau chav tsev nyob rau hauv lub cable daim nqi mus txiav cov nqi. Ncua tseg lub raws koj tsis saib, nug rau qhov tseeb kev txhawb thiab txiav tawm khoom kim heev nta (ie DVR, Them-Ib-View).
9. ditch lub qhuav huv lub. Muaj khoom dav muaj tam sim no tias cia koj mus ua koj lub qhuav tu hauv tsev thiab nrog yooj yim.
10. Tsim ib pob nyiaj siv. Nrhiav tau tawm ntau npaum li cas yog tuaj nyob rau hauv thiab tej zaum xav paub ntau tshaj tseem ceeb, ntau npaum li cas yog mus tawm txhua lub hli, nrog dawb hauv internet nyiaj software. Ces, saib txhua daim nqi cib fim los mus ua kom txiav thiab ua rau lawv. https://www.quizzle.com/what-is-quizzle/personal-budgeting
11. Tau koj cov xov xwm hauv internet. Es tsis txhob them nqi kim subscriptions, Log in Log on thiab nyeem hauv internet.
12. Tua lub raj. Nias lub "tawm" khawm ntawm koj lub TV xwb thiab tsis yog yuav koj txuag lub zog, koj yuav kuj tiv koj tus kheej los ntawm tawm uas tej zaum ntxias koj coj tawm koj lub hnab nyiaj. Link: http://frugaldad.com/2008/05/02/twelve-reasons-to-turn-off-the-television/
13. Txiav ib tug vice. Peb txhua tus muaj 'em thiab lawv nyob rau hauv lub phem tshaj txhaum nyob rau hauv lub wasteful kev siv nyiaj department. Xav txog tej lub rov qab los yog txiav suav daws. Neeg haus luam yeeb, xav txog qhov no: Yog hais tias koj haus luam yeeb ib tug ntim ib hnub twg, koj yuav txuag $ 2.555 ib xyoo (nyob rau ntawm $ 7 ib tug pop) los ntawm txiav.
14. Download coupons. Ua tsaug rau qhov chaw zoo li Shortcuts [http://shortcuts.com/] thiab P & G eSaver, [http://pgesaver.com/] koj muaj peev xwm muab lub txiab deb thiab nias koj txoj kev mus saum ntuj ceeb tsheej daim coupon. Cia li xaiv lub coupons koj xav download tau rau lawv mus rau koj tej khoom noj nyiaj card thiab txuag tau nyiaj ntawm txheeb npe tawm.
15. qiv es tsis txhob muas. Nco ntsoov hais tias qhov chaw koj tau mus rau raws li ib tug me nyuam yaus? Koj puas paub ib tug nrog tag nrho cov phau ntawv? Ntawm koj lub zos lub tsev qiv ntawv, koj yuav tau qiv cov phau ntawv, CDs thiab DVDs thiab nws yuav yeej ib txwm yeej Amazon tus zoo tshaj plaws deal.
16. Tsim ib tug "slush cov nyiaj." Deposit tej random tshev koj tau txais - zoo li rebate, ntshaw los yog tau mov noj dawb tshev - mus rau hauv no cov nyiaj. Koj muaj peev xwm siv nws rau tej lub hom phiaj, tab sis yog hais tias koj nyob rau hauv ib txoj hauj lwm yuav txaus siab rau ib txhia ntawm koj tus savings tam sim no, ua rau lub hom phiaj ib yam dab tsi zoo li ib tug kev lom zem so.
17. Opt rau H2O. Pauv tawm lub dej qab zib, wine los yog dej cawv rau cov dej, tshwj xeeb tshaj yog thaum tawm ntawm ib tug lub tsev noj mov. Nws yog dawb thiab zoo dua rau koj.
18. Tsis nco qab nqaij. Sim Veggies nyob rau hauv qhov chaw ntawm ib tug nqaij zaub mov ib zaug ib lub lim tiam thiab cov nyiaj yuav ntxiv li.
19. Muas khw hom. Ditch lub hom npe thiab koj yuav txuag $ 1,200 tauj ib xyoos. Link: http://www.freemoneyfinance.com/2009/09/save-almost-1200-a-year-using-store-brands.html
20. Tswj koj cov credit. Ib tug zoo credit qhab nia yuav qhib qhov rooj rau li qhov zoo tshaj plaws kev txaus siab nqi thiab cov nqe lus nyob rau hauv credit cards thiab me nyuam kawm ntawv, tus kheej, nws pib thiab lub tsev nyiaj txais.
21. Kos daim coupon codes ua ntej xyuas tawm. Ua ntej koj yuav dab tsi online, ua kom nws ib tug cwj pwm yuav tshawb xyuas rau daim coupon leb los ntawm qhov chaw zoo li RetailMeNot ua ntej. [Http://www.retailmenot.com/].
22. Tsheb tuam nws. Yog hais tias koj lo lus uas peb yog nyob ze, dhia rau koj tsheb kauj vab tau muaj es tsis txhob nkim kim roj. (Ib tug zoo workout heev!)
23. Pib-them koj cov me nyuam kawm ntawv txais nyiaj. Ntau tus menyuam kawm ntawv nyiaj txais servicers muaj ib tug txo nqi nqi yog tias koj ho xaiv mus muaj koj txhua hli them cia li rho los ntawm koj lub tsev txhab nyiaj tus account. Nres txhawj txog ploj lawm ib tug them nqi thiab txuag ib ob peb bucks.
24. Carpool. Phua lub tsav tsheb txoj hauj lwm thiab cov pa roj nqi.
25. Loj hlob koj tus kheej Veggies. Khoom yog kim! Tseg ib txhia ntsuab los ntawm koj tus indulging ntsuab ntiv tes xoo.
26. Muab koj lub qhov rais ib co TLC - Mob khaub thuas tsab. Thaum nws yog txias tawm, npog koj lub qhov rais nrog yas thiab ntsws-qhwv lawv los ntawm kev siv ib tug hairdryer kom sov lub hnab yas rau nws sawv. Winterizing laus dua los yog pheej yig dua qhov rais yuav cawm tau koj cov nyiaj ntsuab rau ntawm koj cov cua kub daim nqi. Link: http://www.bejane.com/BJARTICLE1009200623442
27. Muab koj lub qhov rais ib co TLC - Kub tsab. Thaum nws yog kub tawm, hla rau saum huab cua txias. Es tsis txhob, qhib koj lub qhov rais thiab siv ib lub thawv kiv cua kom nqus cua sov tawm.
28. nres koj txee dai khaub ncaws. Muab tso rau ib cag tag nrho cov khaubncaws uas koj tsis hnav thiab muab lawv mus rau kev siab hlub. Kom nco ntsoov teev txhua yam thiab sab laj no muab rau hauv internet teb nqi phau ntawv qhia [http://www.goodwill.org/page/guest/about/howweoperate/donations/claimingtaxdeductions] kom koj thiaj li thov ib tug siab zoo xav tau nyob rau hauv koj cov nyiaj ua se rov qab xyoo tom ntej. [Http://www.charityguide.org/volunteer/fifteen/clothesshoes.htm]
29. Tau cov Lom ze phau ntawv. Cov phau ntawv no yog chock tag nrho ntawm cov coupons thiab yuav them rau lawv tus kheej tom qab xwb ib ob peb ntawm kev siv. [Http://www.entertainment.com/discount/home.shtml]
30. Refinance koj lub tsev nyiaj txais. Tej zaum koj yuav shelling tawm ntxiv nyiaj rau koj txhua hli tsev nyiaj txais them nqi thaum koj tsis muaj mus. Muab koj cov ntseeg nqi tsev tus tswv cia nyiaj [https://www.quickenloans.com/about/why-quicken-loans/7-simple-steps] ib tug hu mus nrhiav tau tawm yog tias koj yuav txo koj tus nqi tsev tus nqi thiab kev them nyiaj los ntawm refinancing.
31. Ua raws li mus txog rau ntawm rebates. Lawv yuav ua tau ib tug mob, tab sis rov qab rau koj dag zog yog nqi nws. Sau cov ntaub ntawv thiab qwj xa lawv nyob rau hauv.
32. Opt tawm ntawm escrow. Tej zaum nws yuav tsum muaj ib tug ntse xaiv xaiv tawm ntawm muaj ib tug escrow account nyob rau hauv koj lub tsev nyiaj txais vim hais tias nws yog cov uas tsis yog-kev txaus siab-kev coj tus kheej. Es tsis txhob, ua tib them nqi ntawm chaw them nyiaj raug txiav tawm mus rau hauv ib lub nyiaj ua lag luam los yog high-tawm los savings account. Nyob rau hauv no ua lag luam, koj cov nyiaj tej zaum yuav tsis khwv tau npaum li cas, tab sis txawm 1% yog zoo dua 0%.
33. Txo koj tus nqi. Nws yeej tsis mob nug. Hu mus rau koj tus credit card lub tuam txhab thiab nug rau ib tug paj laum tsawg nyob rau hauv koj daim npav. Yog hais tias koj nqa balances, ib tug paj laum yuav txo tau thiaj yuav cawm tau koj loj lub sij hawm. [http://www.wisebread.com/lower-your-credit-card-interest-rate-and-reduce-your-phone-bill-immediately-and-easily]
34. Muas cov zaub mov rau ntau noj mov. Tej zaum lub Veggies koj nyob nraum ntxiv rau koj pasta ntses kuj yuav tau txais kev pab nyob rau hauv ib Veggie Pita. Yuav saj zawg zog ntawv qhia zaub mov cov khoom uas yuav kom koj tau txais ntau tshaj plaws Bang rau Buck los ntawm koj tau txais ntau yam kev siv tawm ntawm koj cov khoom noj khoom haus.
35. Tsis txhob mus kiab khw tshaib plab. Growling plab = Stop kos npe.
36. Coj kom zoo dua ntawm cov ntsiab lus. Ua ib co kev tshawb fawb thiab nrhiav tau tawm yog hais tias koj yuav khwv tau cov ntsiab lus nrog rau koj tus debit card los yog credit card. Ces, siv cov ntsiab lus mus yuav tej yam uas koj yuav tau mus yuav rau nkawv noj, zoo li txiaj ntsim rau cov xib fwb, tshiab electronics los yog lub tsev kawm ntawv khw. [http://www.consumerreports.org/cro/money/credit-loan/rewards-cards/maximizing-your-rewards-points/rewards-cards-maximizing-your-rewards-points.htm]
37. Hlub koj seem me ntsis. Khoom noj khoom haus nyob rau hauv ib tug aub dua twg lawm lub hnab yog zoo li ib tug dawb noj mov daim pib. Nqus nws li thiab coj kom zoo dua.
38. Pass nyob rau PLY. Yog hais tias koj lub pob tw yuav leg nws, mus rau ib PLY ntaub hoob nab. Peb nyob nraum tham xees no nyob rau hauv cov nqe lus ntawm nyiaj, tab sis yog tias koj yeej yuav tsum ceev rau hauv lub pob nyiaj siv, koj yuav tsum xav txog txhua yam.
39. Sau online. Tej yam zoo li ua lag ua luam phaib yog ib feem ntawm tus nqi hauv internet piv rau lub zos tshuab luam ntawv.
40. Yuav npaj rau ib tug rainy hnub. Teem koj sights rau txuag 4 mus rau 6 lub hlis 'nqi ntawm cov nqi nyob rau hauv cov ntaub ntawv ntawm thaum muaj xwm ceev. Yog hais tias ib tug me ntsis los nag ntog nyob rau hauv koj lub neej, zoo li poob koj txoj hauj lwm, muaj ib tug nyiaj cushion yuav pab kom koj nyob tawm ntawm cov nuj nqis thiab tsis txhob siab kev txaus siab nqi. Khaws tabs rau koj kev kawm nrog dawb hauv internet savings cov cuab yeej.
41. Ua khoom plig nrog rau koj tus kheej ob txhais tes. Qhob khoom plig yog cov feem ntau txawj xav khoom plig ib tug yuav muab. Siv muaj kev xav txog tej yam uas zoo li cov duab thiab souvenirs rau muab tso ua ke ib tug nco tam sim no rau ib tug phooj ywg los yog tsev neeg. [Http://familycrafts.about.com/cs/giftgiving/a/120400a.htm]
42. Mus kiab khw, tsis kaum khw. Yog hais tias koj nyob nraum muas me me zoo li mis nyuj thiab ntaub hoob nab nyob rau ntawm lub chaw muag tshuaj, ces kaum khw los yog gas chaw nres tsheb, koj nyob nraum tej zaum kev them nqi ntau rau txhua yam khoom koj yuav tshaj li nyob rau tej khoom noj tom khw los yog supercenter.
43. phua lub babysitting hauj lwm. Nug koj tus neeg nyob ze thiab cov phooj ywg yog hais tias lawv yuav tsum zoo siab los babysit koj cov me nyuam tej tsam thiab nyob rau hauv rov qab, koj yuav saib tom qab lawv lwm lub sij hawm.
44. phua lub babysitting nqi. Saib xyuas txoj hmo tawm nrog neeg nyob ze koj thiab nyob ze cov phooj ywg thiab mus halfsies nyob rau hauv lub zov me daim nqi.
45. Bar dhia paj paws nrog ib tug lub hlwb. Yog hais tias koj nquag lub bar twb, xaiv rau kev zoo siab teev los yog noj ua ntej koj mus.
46. Nix lub tsheb daim ntawv xauj tsev. Yuav siv los yog "tshiab siv" [http://biz.yahoo.com/pfg/e16buylease/] thiab tsav lub tsheb raws li ntev raws li koj ua tau. Yog hais tias koj twb tuaj tos ntse ntsuav, koj yuav txuag loj tshaj lub sij hawm ntev.
47. Tos lub deal. Tshwj xeeb yog nyob rau hauv loj daim pib khoom, saib qhov chaw zoo li Slick Deals, Deal Xov xwm thiab Rog hnab nyiaj, rau qhov zoo tshaj plaws deals. Ces coj kom zoo dua. [Http://slickdeals.net/ - http://dealnews.com/ - http://www.fatwallet.com/].
48. Ua rau koj tus kheej tej yam yooj yim lub tsev kho vaj tse. Nrog rau tag nrho cov tsev txhim kho qhia tawm muaj, qhov "Kuv tsis paub ua li cas" kev zam txim tsis ua hauj lwm. Wordpress nws, saib nws li rau DIY [http://www.diynetwork.com/] los yog HGTV, [http://www.hgtv.com/] los sis hais kom cov pej xeem nyob rau ntawm lub hardware los yog lub tsev txhim kho lub khw, thiab tau txais mus rau ua hauj lwm.
49. Pab koj tus kheej mus rau lub siab tshaj plaws tawm los savings. Txav koj cov nyiaj los ntawm koj xyuas tus account mus rau ib tug high-tawm los savings account. Txawm tias ib tug feem pua taw tes nyob rau hauv txawv paj laum yuav ua rau koj nyiaj loj hlob sai. [Http://www.bargaineering.com/articles/high-yield-savings-accounts-rates.html/].
50. Sib Piv khw [DOT] com. Websites zoo li Shopzilla [http://www.shopzilla.com/] ua hauj lwm rau koj. Cia li ntaus nyob rau hauv dab tsi koj nyob nraum nrhiav, nias lub khawm thiab voila! Ib daim ntawv teev cov nqi thiab khw muag khoom uas koj nqa koj yam khoom ntawd kom koj thiaj li tau yooj yim nrhiav tau qhov zoo tshaj plaws deal nyob hauv lub zos.
51. Host ib tug khaub ncaws pauv. Koj puas paub lawv hais tias, ib tug tib neeg txoj kev khib nyiab yog lwm tus txiv neej txoj kev muaj nqis. Tau txais ib pawg ntawm cov phooj ywg ua ke, muaj txhua leej txhua tus coj khaub ncaws uas tsis haum los yog lawv tsis txaus siab rau, thiab mus rau hauv lub zos!
52. Lus nyob rau hauv ib tug roommate. Splitting nqi vaj tse yuav cawm tau koj coob leej ntau, txawm txhiab nyiaj ib lub hlis. Nws yog ib tug txawv txoj kev ua neej, tab sis yog tias koj xav tau kev ua kom loj kev hloov nyob rau hauv koj lub pob nyiaj siv (ahem, siv tsawg), qhov no yuav tau txais nyiaj koj muaj cuam sai tshaj feem ntau.
53. Muas siv. Seb nws yog cov khaub ncaws, cov phau ntawv los yog iPods, yuav siv thiab refurbished khoom uas thiaj yuav cawm tau koj ib tug zoo nkauj penny tawm daim xiv-tiv nqi. [Http://www.half.ebay.com/]
54. Npaj ua ntej koj yuav kav. Taug nyob ib ncig ntawm ib tug khoom noj khw feem ntau ua rau overspending. Hom phiaj npaj nej noj mov (s) ua ntej koj yuav kav thiab lo nrog koj daim ntawv teev.
55. Nrua mus rau lub 10% txoj cai. Ua raws li cov hnub nyoog-laus txoj cai uas yuav txuag tau 10% ntawm txhua yam koj ua los yog peem xwm. Thiab pib lawv cov ntxhais! Yog hais tias koj muaj cov me nyuam, qhib li ib tug savings account rau txhua tus ntawm lawv thiab kom lawv ua raws li txoj cai no zoo li. - Noog
1. Them koj tus kheej ua ntej. Txuag tau nyiaj tsis xav txog nws. Teem ncaj deposit rau hauv ib lub savings account thiab saib koj zes qe loj hlob. Link: http://www.getrichslowly.org/blog/2008/06/16/personal-finance-made-easy-pay-yourself-first/
2. Brew nws nyob hauv tsev. Yog hais tias koj lob txawm cov uas pheej yig ntawm kas fes lub nyob rau hauv lub mus, hais ib tug $ 2 khob txhua txhua lub lim tiam hnub twg, koj nyob nraum shelling tawm $ 520 ib xyoos. Sim loj tubs ntawm kas fes es tsis txhob. Lawv mam li kav thiab koj yuav txuag.
3. Unplug. Ntau ntawm cov gadgets, hluav taws xob thiab khoom siv kos hwj chim txawm tias koj nyob nraum tsis siv lawv. Rub lub plug nyob rau hauv cov khoom uas hais tias koj tsuas siv puav thiab rau ntxiv cov ntsiab lus, Unplug koj Chargers (cell, PDA thiab cov zoo li) thaum tsis siv.
4. Nyob twj ywm nyob rau hauv nrog cov phooj ywg. No ib tug yog ib qho yooj yim. Mus nrog pals yuav luag ib txwm nqi ntau tshaj li nyob rau hauv. Tsis txhob mloog kev txhib kom splurge thiab caw cov phooj ywg tshaj rau cocktails, ib tug potluck, lub Rooj Tswjhwm Saib kev ua si los yog ib tug yeeb yam.
5. Muas nyob rau hauv loj. Sam txoj kev Club thiab Costco yog nej cov phooj ywg.
6. Xim av hnab nws. Yog hais tias koj xav tau cov ntsiab thiab mus, koj yuav tau yooj yim siv $ 1300 ib xyoo xwb rau lub caij noj mov ($ 5 / noj su / lim tiam hnub). Ntim koj su es tsis txhob - koj mam li tseg ib txhia dineros thiab cov zaub mov yuav yuav yuav ntau dua noj rau nkawv noj. Link: http://www.fiscalfizzle.com/2009/05/brown-bag-lunch/
7. Team li. Ib txoj kev zoo mus koom nrog rau cov me nyuam nyob rau hauv lub txuag cov txheej txheem yog mus de ib lub kev lom zem tsev neeg yam khoom uas koj tag nrho xav - tej zaum ib tug tshiab TV, ib tug Xbox los yog ib qho chaw twg mus rau lub kev lom zem ua si - thiab pom zoo ua pov koj spare hloov nyob rau hauv ib lub raj mis nyob rau hauv lub chav ua noj . Nws yog ib tug zoo zaj lus qhia nyob rau hauv txuag rau dab tsi koj xav tau thiab teaming li yuav coj tus tsev neeg ua ke.
8. txiav cov cable (tsawg kawg yog ib tug me ntsis). Muaj feem ntau ntau ntau chav tsev nyob rau hauv lub cable daim nqi mus txiav cov nqi. Ncua tseg lub raws koj tsis saib, nug rau qhov tseeb kev txhawb thiab txiav tawm khoom kim heev nta (ie DVR, Them-Ib-View).
9. ditch lub qhuav huv lub. Muaj khoom dav muaj tam sim no tias cia koj mus ua koj lub qhuav tu hauv tsev thiab nrog yooj yim.
10. Tsim ib pob nyiaj siv. Nrhiav tau tawm ntau npaum li cas yog tuaj nyob rau hauv thiab tej zaum xav paub ntau tshaj tseem ceeb, ntau npaum li cas yog mus tawm txhua lub hli, nrog dawb hauv internet nyiaj software. Ces, saib txhua daim nqi cib fim los mus ua kom txiav thiab ua rau lawv. https://www.quizzle.com/what-is-quizzle/personal-budgeting
11. Tau koj cov xov xwm hauv internet. Es tsis txhob them nqi kim subscriptions, Log in Log on thiab nyeem hauv internet.
12. Tua lub raj. Nias lub "tawm" khawm ntawm koj lub TV xwb thiab tsis yog yuav koj txuag lub zog, koj yuav kuj tiv koj tus kheej los ntawm tawm uas tej zaum ntxias koj coj tawm koj lub hnab nyiaj. Link: http://frugaldad.com/2008/05/02/twelve-reasons-to-turn-off-the-television/
13. Txiav ib tug vice. Peb txhua tus muaj 'em thiab lawv nyob rau hauv lub phem tshaj txhaum nyob rau hauv lub wasteful kev siv nyiaj department. Xav txog tej lub rov qab los yog txiav suav daws. Neeg haus luam yeeb, xav txog qhov no: Yog hais tias koj haus luam yeeb ib tug ntim ib hnub twg, koj yuav txuag $ 2.555 ib xyoo (nyob rau ntawm $ 7 ib tug pop) los ntawm txiav.
14. Download coupons. Ua tsaug rau qhov chaw zoo li Shortcuts [http://shortcuts.com/] thiab P & G eSaver, [http://pgesaver.com/] koj muaj peev xwm muab lub txiab deb thiab nias koj txoj kev mus saum ntuj ceeb tsheej daim coupon. Cia li xaiv lub coupons koj xav download tau rau lawv mus rau koj tej khoom noj nyiaj card thiab txuag tau nyiaj ntawm txheeb npe tawm.
15. qiv es tsis txhob muas. Nco ntsoov hais tias qhov chaw koj tau mus rau raws li ib tug me nyuam yaus? Koj puas paub ib tug nrog tag nrho cov phau ntawv? Ntawm koj lub zos lub tsev qiv ntawv, koj yuav tau qiv cov phau ntawv, CDs thiab DVDs thiab nws yuav yeej ib txwm yeej Amazon tus zoo tshaj plaws deal.
16. Tsim ib tug "slush cov nyiaj." Deposit tej random tshev koj tau txais - zoo li rebate, ntshaw los yog tau mov noj dawb tshev - mus rau hauv no cov nyiaj. Koj muaj peev xwm siv nws rau tej lub hom phiaj, tab sis yog hais tias koj nyob rau hauv ib txoj hauj lwm yuav txaus siab rau ib txhia ntawm koj tus savings tam sim no, ua rau lub hom phiaj ib yam dab tsi zoo li ib tug kev lom zem so.
17. Opt rau H2O. Pauv tawm lub dej qab zib, wine los yog dej cawv rau cov dej, tshwj xeeb tshaj yog thaum tawm ntawm ib tug lub tsev noj mov. Nws yog dawb thiab zoo dua rau koj.
18. Tsis nco qab nqaij. Sim Veggies nyob rau hauv qhov chaw ntawm ib tug nqaij zaub mov ib zaug ib lub lim tiam thiab cov nyiaj yuav ntxiv li.
19. Muas khw hom. Ditch lub hom npe thiab koj yuav txuag $ 1,200 tauj ib xyoos. Link: http://www.freemoneyfinance.com/2009/09/save-almost-1200-a-year-using-store-brands.html
20. Tswj koj cov credit. Ib tug zoo credit qhab nia yuav qhib qhov rooj rau li qhov zoo tshaj plaws kev txaus siab nqi thiab cov nqe lus nyob rau hauv credit cards thiab me nyuam kawm ntawv, tus kheej, nws pib thiab lub tsev nyiaj txais.
21. Kos daim coupon codes ua ntej xyuas tawm. Ua ntej koj yuav dab tsi online, ua kom nws ib tug cwj pwm yuav tshawb xyuas rau daim coupon leb los ntawm qhov chaw zoo li RetailMeNot ua ntej. [Http://www.retailmenot.com/].
22. Tsheb tuam nws. Yog hais tias koj lo lus uas peb yog nyob ze, dhia rau koj tsheb kauj vab tau muaj es tsis txhob nkim kim roj. (Ib tug zoo workout heev!)
23. Pib-them koj cov me nyuam kawm ntawv txais nyiaj. Ntau tus menyuam kawm ntawv nyiaj txais servicers muaj ib tug txo nqi nqi yog tias koj ho xaiv mus muaj koj txhua hli them cia li rho los ntawm koj lub tsev txhab nyiaj tus account. Nres txhawj txog ploj lawm ib tug them nqi thiab txuag ib ob peb bucks.
24. Carpool. Phua lub tsav tsheb txoj hauj lwm thiab cov pa roj nqi.
25. Loj hlob koj tus kheej Veggies. Khoom yog kim! Tseg ib txhia ntsuab los ntawm koj tus indulging ntsuab ntiv tes xoo.
26. Muab koj lub qhov rais ib co TLC - Mob khaub thuas tsab. Thaum nws yog txias tawm, npog koj lub qhov rais nrog yas thiab ntsws-qhwv lawv los ntawm kev siv ib tug hairdryer kom sov lub hnab yas rau nws sawv. Winterizing laus dua los yog pheej yig dua qhov rais yuav cawm tau koj cov nyiaj ntsuab rau ntawm koj cov cua kub daim nqi. Link: http://www.bejane.com/BJARTICLE1009200623442
27. Muab koj lub qhov rais ib co TLC - Kub tsab. Thaum nws yog kub tawm, hla rau saum huab cua txias. Es tsis txhob, qhib koj lub qhov rais thiab siv ib lub thawv kiv cua kom nqus cua sov tawm.
28. nres koj txee dai khaub ncaws. Muab tso rau ib cag tag nrho cov khaubncaws uas koj tsis hnav thiab muab lawv mus rau kev siab hlub. Kom nco ntsoov teev txhua yam thiab sab laj no muab rau hauv internet teb nqi phau ntawv qhia [http://www.goodwill.org/page/guest/about/howweoperate/donations/claimingtaxdeductions] kom koj thiaj li thov ib tug siab zoo xav tau nyob rau hauv koj cov nyiaj ua se rov qab xyoo tom ntej. [Http://www.charityguide.org/volunteer/fifteen/clothesshoes.htm]
29. Tau cov Lom ze phau ntawv. Cov phau ntawv no yog chock tag nrho ntawm cov coupons thiab yuav them rau lawv tus kheej tom qab xwb ib ob peb ntawm kev siv. [Http://www.entertainment.com/discount/home.shtml]
30. Refinance koj lub tsev nyiaj txais. Tej zaum koj yuav shelling tawm ntxiv nyiaj rau koj txhua hli tsev nyiaj txais them nqi thaum koj tsis muaj mus. Muab koj cov ntseeg nqi tsev tus tswv cia nyiaj [https://www.quickenloans.com/about/why-quicken-loans/7-simple-steps] ib tug hu mus nrhiav tau tawm yog tias koj yuav txo koj tus nqi tsev tus nqi thiab kev them nyiaj los ntawm refinancing.
31. Ua raws li mus txog rau ntawm rebates. Lawv yuav ua tau ib tug mob, tab sis rov qab rau koj dag zog yog nqi nws. Sau cov ntaub ntawv thiab qwj xa lawv nyob rau hauv.
32. Opt tawm ntawm escrow. Tej zaum nws yuav tsum muaj ib tug ntse xaiv xaiv tawm ntawm muaj ib tug escrow account nyob rau hauv koj lub tsev nyiaj txais vim hais tias nws yog cov uas tsis yog-kev txaus siab-kev coj tus kheej. Es tsis txhob, ua tib them nqi ntawm chaw them nyiaj raug txiav tawm mus rau hauv ib lub nyiaj ua lag luam los yog high-tawm los savings account. Nyob rau hauv no ua lag luam, koj cov nyiaj tej zaum yuav tsis khwv tau npaum li cas, tab sis txawm 1% yog zoo dua 0%.
33. Txo koj tus nqi. Nws yeej tsis mob nug. Hu mus rau koj tus credit card lub tuam txhab thiab nug rau ib tug paj laum tsawg nyob rau hauv koj daim npav. Yog hais tias koj nqa balances, ib tug paj laum yuav txo tau thiaj yuav cawm tau koj loj lub sij hawm. [http://www.wisebread.com/lower-your-credit-card-interest-rate-and-reduce-your-phone-bill-immediately-and-easily]
34. Muas cov zaub mov rau ntau noj mov. Tej zaum lub Veggies koj nyob nraum ntxiv rau koj pasta ntses kuj yuav tau txais kev pab nyob rau hauv ib Veggie Pita. Yuav saj zawg zog ntawv qhia zaub mov cov khoom uas yuav kom koj tau txais ntau tshaj plaws Bang rau Buck los ntawm koj tau txais ntau yam kev siv tawm ntawm koj cov khoom noj khoom haus.
35. Tsis txhob mus kiab khw tshaib plab. Growling plab = Stop kos npe.
36. Coj kom zoo dua ntawm cov ntsiab lus. Ua ib co kev tshawb fawb thiab nrhiav tau tawm yog hais tias koj yuav khwv tau cov ntsiab lus nrog rau koj tus debit card los yog credit card. Ces, siv cov ntsiab lus mus yuav tej yam uas koj yuav tau mus yuav rau nkawv noj, zoo li txiaj ntsim rau cov xib fwb, tshiab electronics los yog lub tsev kawm ntawv khw. [http://www.consumerreports.org/cro/money/credit-loan/rewards-cards/maximizing-your-rewards-points/rewards-cards-maximizing-your-rewards-points.htm]
37. Hlub koj seem me ntsis. Khoom noj khoom haus nyob rau hauv ib tug aub dua twg lawm lub hnab yog zoo li ib tug dawb noj mov daim pib. Nqus nws li thiab coj kom zoo dua.
38. Pass nyob rau PLY. Yog hais tias koj lub pob tw yuav leg nws, mus rau ib PLY ntaub hoob nab. Peb nyob nraum tham xees no nyob rau hauv cov nqe lus ntawm nyiaj, tab sis yog tias koj yeej yuav tsum ceev rau hauv lub pob nyiaj siv, koj yuav tsum xav txog txhua yam.
39. Sau online. Tej yam zoo li ua lag ua luam phaib yog ib feem ntawm tus nqi hauv internet piv rau lub zos tshuab luam ntawv.
40. Yuav npaj rau ib tug rainy hnub. Teem koj sights rau txuag 4 mus rau 6 lub hlis 'nqi ntawm cov nqi nyob rau hauv cov ntaub ntawv ntawm thaum muaj xwm ceev. Yog hais tias ib tug me ntsis los nag ntog nyob rau hauv koj lub neej, zoo li poob koj txoj hauj lwm, muaj ib tug nyiaj cushion yuav pab kom koj nyob tawm ntawm cov nuj nqis thiab tsis txhob siab kev txaus siab nqi. Khaws tabs rau koj kev kawm nrog dawb hauv internet savings cov cuab yeej.
41. Ua khoom plig nrog rau koj tus kheej ob txhais tes. Qhob khoom plig yog cov feem ntau txawj xav khoom plig ib tug yuav muab. Siv muaj kev xav txog tej yam uas zoo li cov duab thiab souvenirs rau muab tso ua ke ib tug nco tam sim no rau ib tug phooj ywg los yog tsev neeg. [Http://familycrafts.about.com/cs/giftgiving/a/120400a.htm]
42. Mus kiab khw, tsis kaum khw. Yog hais tias koj nyob nraum muas me me zoo li mis nyuj thiab ntaub hoob nab nyob rau ntawm lub chaw muag tshuaj, ces kaum khw los yog gas chaw nres tsheb, koj nyob nraum tej zaum kev them nqi ntau rau txhua yam khoom koj yuav tshaj li nyob rau tej khoom noj tom khw los yog supercenter.
43. phua lub babysitting hauj lwm. Nug koj tus neeg nyob ze thiab cov phooj ywg yog hais tias lawv yuav tsum zoo siab los babysit koj cov me nyuam tej tsam thiab nyob rau hauv rov qab, koj yuav saib tom qab lawv lwm lub sij hawm.
44. phua lub babysitting nqi. Saib xyuas txoj hmo tawm nrog neeg nyob ze koj thiab nyob ze cov phooj ywg thiab mus halfsies nyob rau hauv lub zov me daim nqi.
45. Bar dhia paj paws nrog ib tug lub hlwb. Yog hais tias koj nquag lub bar twb, xaiv rau kev zoo siab teev los yog noj ua ntej koj mus.
46. Nix lub tsheb daim ntawv xauj tsev. Yuav siv los yog "tshiab siv" [http://biz.yahoo.com/pfg/e16buylease/] thiab tsav lub tsheb raws li ntev raws li koj ua tau. Yog hais tias koj twb tuaj tos ntse ntsuav, koj yuav txuag loj tshaj lub sij hawm ntev.
47. Tos lub deal. Tshwj xeeb yog nyob rau hauv loj daim pib khoom, saib qhov chaw zoo li Slick Deals, Deal Xov xwm thiab Rog hnab nyiaj, rau qhov zoo tshaj plaws deals. Ces coj kom zoo dua. [Http://slickdeals.net/ - http://dealnews.com/ - http://www.fatwallet.com/].
48. Ua rau koj tus kheej tej yam yooj yim lub tsev kho vaj tse. Nrog rau tag nrho cov tsev txhim kho qhia tawm muaj, qhov "Kuv tsis paub ua li cas" kev zam txim tsis ua hauj lwm. Wordpress nws, saib nws li rau DIY [http://www.diynetwork.com/] los yog HGTV, [http://www.hgtv.com/] los sis hais kom cov pej xeem nyob rau ntawm lub hardware los yog lub tsev txhim kho lub khw, thiab tau txais mus rau ua hauj lwm.
49. Pab koj tus kheej mus rau lub siab tshaj plaws tawm los savings. Txav koj cov nyiaj los ntawm koj xyuas tus account mus rau ib tug high-tawm los savings account. Txawm tias ib tug feem pua taw tes nyob rau hauv txawv paj laum yuav ua rau koj nyiaj loj hlob sai. [Http://www.bargaineering.com/articles/high-yield-savings-accounts-rates.html/].
50. Sib Piv khw [DOT] com. Websites zoo li Shopzilla [http://www.shopzilla.com/] ua hauj lwm rau koj. Cia li ntaus nyob rau hauv dab tsi koj nyob nraum nrhiav, nias lub khawm thiab voila! Ib daim ntawv teev cov nqi thiab khw muag khoom uas koj nqa koj yam khoom ntawd kom koj thiaj li tau yooj yim nrhiav tau qhov zoo tshaj plaws deal nyob hauv lub zos.
51. Host ib tug khaub ncaws pauv. Koj puas paub lawv hais tias, ib tug tib neeg txoj kev khib nyiab yog lwm tus txiv neej txoj kev muaj nqis. Tau txais ib pawg ntawm cov phooj ywg ua ke, muaj txhua leej txhua tus coj khaub ncaws uas tsis haum los yog lawv tsis txaus siab rau, thiab mus rau hauv lub zos!
52. Lus nyob rau hauv ib tug roommate. Splitting nqi vaj tse yuav cawm tau koj coob leej ntau, txawm txhiab nyiaj ib lub hlis. Nws yog ib tug txawv txoj kev ua neej, tab sis yog tias koj xav tau kev ua kom loj kev hloov nyob rau hauv koj lub pob nyiaj siv (ahem, siv tsawg), qhov no yuav tau txais nyiaj koj muaj cuam sai tshaj feem ntau.
53. Muas siv. Seb nws yog cov khaub ncaws, cov phau ntawv los yog iPods, yuav siv thiab refurbished khoom uas thiaj yuav cawm tau koj ib tug zoo nkauj penny tawm daim xiv-tiv nqi. [Http://www.half.ebay.com/]
54. Npaj ua ntej koj yuav kav. Taug nyob ib ncig ntawm ib tug khoom noj khw feem ntau ua rau overspending. Hom phiaj npaj nej noj mov (s) ua ntej koj yuav kav thiab lo nrog koj daim ntawv teev.
55. Nrua mus rau lub 10% txoj cai. Ua raws li cov hnub nyoog-laus txoj cai uas yuav txuag tau 10% ntawm txhua yam koj ua los yog peem xwm. Thiab pib lawv cov ntxhais! Yog hais tias koj muaj cov me nyuam, qhib li ib tug savings account rau txhua tus ntawm lawv thiab kom lawv ua raws li txoj cai no zoo li. - Noog
