ArticlesBase.com - Free Articles Directory
Free Online Articles Directory
06.10.2008 Sign In Register Hello Guest
Email:
Password:
Remember Me 
forgot your password?


Putting Some Away - How to Spend Less and Keep More

Author: Martin Lukac Author Ranking Gold Featured Author | Posted: 26-05-2007 | Comments: 0 | Views: 9 | Rating:  (50) Article Popularity - Green (?) Got a Question? Ask.
Sign Up Now!

We are all victims of the paycheck blues. Every two weeks we check our pay stub, get our check in hand or check our bank account - then go shopping. By the end of the weekend, we are stocked up somewhat, but our bank is dry, and again - we hit the blues.

One way to avoid the blues is to reduce or spend better when buying our groceries. Did you know that a family's groceries can be the largest expense outside of rent or a mortgage? On average, if you earn $700 a pay period, you'll spend a 3rd of that, almost $250 on groceries alone.

So how to reduce and rein in your spending? By doing a few simple things regularly you can save yourself a few dollars here, a ten-spot there, and by the end of 3 months, you can have a nice little bundle to use for a treat or to pay off a nagging bill or two.

1 - Buy in bulk. Wherever possible, buy is bulk, buy lots, and store it. One thing that kills a lot of bank accounts is always running out to the store to buy one or two forgotten things. Because you always buy something on impulse at those times. Take Pasta for example - it's used is just about very American household at least 2 times a week, possibly more. If you go for pasta when it's cheap and on sale, and buy a bunch. Dry pasta can be stored for 6 months before spoiling, and that's a long supply to hold if you buy it wisely. Then you don't have to rush out when you have a dinner party and want spaghetti or lasagna - the pasta is there, and buying it in bulk, you can often save between $1 - $3 a box.

2 - Keep a price book with you. As you shop - write down the prices as you pick out your groceries. The next time, compare and smart shop to ensure that you keep at the same pricings that way you stay on your same budget and you can afford to get more for the same money. That always feels good. Also, note down if something you use often is on sale, that way you can keep track of it, and when it hits a sale price again, buy it in bulk and stock up until next time.

The most important thing to do is to commit yourself to maintain the habit. Normally it take about 6 weeks to break a habit or to form a new one. So be consistent, be firm, and keep at it. The longer you do, the more you will save and have to spend on other things. By using the price log book, you can keep track not only of the prices of things, but of your own spending, and stop the impulse buying that forces most of us to live paycheck to paycheck.

Rate this Article: Current: 0 / 5 stars - 0 vote(s).

Article Tags: Spend Less

Article Source: http://www.articlesbase.com/debt-consolidation-articles/putting-some-away-how-to-spend-less-and-keep-more-154036.html

Print this Article Print article   Email to a Friend Send to friend   Publish this Article on your Website Publish this Article   Send Author Feedback Author feedback  
About the Author:

Martin Lukac represents RateTake.com Home Equity and Refinance Loan mortgage marketplace. RateTake.com matches consumers with mutiple lenders offering low mortgage rate quotes. For more information please visit Putting Some Away - How To Spend Less And Keep More

Submitting articles has become one of the most popular means of generating quality backlinks and targeted traffic to your website. Join us today - It's Free!

Article Comments

Comment on this article Comment on this article
Your Name
Your Email:
Comment Body
Enter Validation Code: Captcha


Got a Question? Ask.

Ask the community a question about this article:

Q&A Powered by:
Powered by Yedda 

Latest Debt Consolidation Articles

The Way to File Bankruptcy/insolvency
By: Minkesh Sood | 06/10/2008
Applying for insolvency in the U K can be a scary experience but not an impossible task. For filing bankruptcy individual just need to do your homework properly.

6 Steps to Free yourself From Debt
By: Cornie Herring | 03/10/2008
Ignoring your debt is the worst strategy that will bury you in interest charges and paying only the minimum payments may take you as long as 30 years to pay off your original purchase. The best move is reining the debts and does something to get rid of it. Here are the 6 steps you can take to bring your debt in control.

Acting Now to Make Retirement Debt Free
By: James McAlonan | 03/10/2008
Retirement alone causes many people financial worries. Entering retirement with debt can be even more of an issue. there are many methods of varying quality. To find out more - read on.

Debt Management Program - How Does it Work?
By: John Thackeray | 02/10/2008
A debt management program can work to your advantage in a variety of ways; you just need to ensure you know what you are getting yourself into before signing on the dotted line.

Waiting for Debt Help and Free Debt Advice?
By: Neil Robertson | 01/10/2008
The UK seems to be being taken over by a debt epidemic and you may have a long wait to see your chosen debt advice provider. What should you do if you need free debt advice urgently

Debt Consolidation Can Help Your Debt Problems, But Make Sure the Payments are Affordable First
By: Neil Robertson | 01/10/2008
Debt consolidation is a commonly proposed solution to debt problems. It can make things better, but if you don't understand your situation and do your budgeting properly it can make your situation a lot worse.

Get Help and Clear Your Debt Now
By: Neil Robertson | 01/10/2008
Don't delay dealing with your debt problem. This will only make it worse. Follow this 4-step plan to start the path towards a debt-free life.

Debt Management Advice for Everybody
By: Huong Nguyen | 01/10/2008
Many people don't realize how much debt they have until they really stop to look at the numbers. Many people are suffering today because of the weakened economy and the high gas prices that are causing other things to skyrocket in price such as groceries. Most of us are shocked when we realize just how in debt we are and then we are often overwhelmed with the idea of having to pay off all of the debt and we wonder how we can do it on our budget.

More from Martin Lukac

What Does Insurable Interest Mean on a Life Insurance Policy?
By: Martin Lukac | 08/05/2008 | Insurance
People often have many questions about life insurance policies because of how intricate and complex these policies and contract can be. One of the most popular questions that many people have when it comes to life insurance is what insurable interest means or refers to within the terms and context of a life insurance policy.

Is a Broken Windshield Covered Under My Auto Policy Deductible?
By: Martin Lukac | 08/05/2008 | Insurance
Unfortunately, a broken or shattered windshield is not just a nuisance, it is also detrimental to the overall driving practices of the individual operating the vehicle since the glass through which the individual would otherwise be looking is damaged. This can make it more difficult for the person to drive, if not impossible.

What Kinds of Debt Can be Included in the Debt Consolidation Program?
By: Martin Lukac | 03/05/2008 | Debt Consolidation
Debt consolidation programs can help many people get back on track with their monetary assets while also helping to improve their financial futures during a time when many people may feel hopeless and lost. Many people who are interested in debt consolidation programs are not sure if their specific types of debt will be included in intriguing debt consolidation programs, helping them to eventually escape debt and the financial problems which are burdening them.

What are the Warning Signs That I Am in Too Much Debt?
By: Martin Lukac | 03/05/2008 | Debt Consolidation
While the baseline for having 'too much debt' can vary from person to person based on their income and expenses, there are a number of general guidelines that you can follow in order to determine whether or not you have too much debt. First, what does your income to debt ratio look like? This is one of the clearest indicators of whether or not a person has amassed an unsafe or dangerous amount of debt in their life.

Debt Consolidation for Saving Money
By: Martin Lukac | 09/10/2007 | Debt Consolidation
Riding on their strong economic condition the modern day youth often ignore the necessity to save money. The increase in the real income of young adults has therefore led to a dangerous trend, which often leads to an increase in debt burdens on youth. Therefore, it makes sense to adopt several money saving techniques to avoid such untoward situations.

Free Life Insurance Quotes
By: Martin Lukac | 16/07/2007 | Insurance
We often ask ourselves whether we really need life insurance. Well life insurance can be thought of as an investment for loved ones or can also be thought of in terms of protecting one's assets financially

Low Refinance Rates
By: Martin Lukac | 16/07/2007 | Mortgage
If the thought of paying your high housing loan interests makes you feel queasy, then opt for refinancing and get rid of all your worries and anxieties. Refinance your loan and lead a stress free life.

Refinance Loan Financial Solutions
By: Martin Lukac | 02/07/2007 | Mortgage
Before finalizing on any particular Refinance loan it is important to have a clear financial objective in mind. This means that you have to learn about everything from when you should refinance to how you can increase the value of your home.

Article Categories






Give Feedback

Sign up for our email newsletter

Receive updates, enter your email below