Saving is easier than you think!
When we hear the word save, half of us will look to change the subject and the other half will panic. With 10 easy ways to save and get the most of your money this year, 2011 will surely be a year of great new habits and a fantastic sense of accomplishment. Don’t worry, curbing your shopping will not be mentioned.
1. Make some money: I know, it’s near impossible to get a secure (well-paying job) in this economy. Don’t be afraid to create your own job. Whether you are an artist or would be a fabulous tutor, babysitter or personal shopper, get out there and become an entrepreneur. Market yourself and maybe even partner up with a friend. If that doesn’t work, get two smaller jobs. It may be more hours, but trust me in the long run it will be worth it.
2. Brew your own coffee/Pack a brown bag lunch: It is definitely not necessary (and usually not healthy) to go out to eat every day for every meal. And yes, many of us are not Martha Stewart, but there are so many websites and blogs with really simple recipes. Making yourself food can also serve as bonding with the significant other, friends and maybe even your favorite TV show.
3. Go to thrift and consignment shops: The Salvation Army, Goodwill and local thrift shops can be the best places to find some of the most unique pieces, from clothes to shoes and even to furniture. There will always be those not-so-clean group of sweaters, but just take the time and you will learn to create something I like to call affordable chic.
4. Create a simple budget: You don’t need a financial advisor. Figure out what you make, what you spend and what you spend your money on. Decide what you need and what things are luxuries. Painting your nails really isn’t that bad.
5. Set Savings Goals: My mantra. All of us have bills to pay and want that gorgeous pair of Louboutins…you can have both! Try SmartyPig.com, an online bank that helps you set and achieve goals over short and long periods of time (and it has some of the highest interest rates)
6. Get out Your Library Card: Spending $14.95 on a new book every two weeks is great, but definitely not necessary. Go find your high school wallet, find that card and get lost in the book stacks.
7. Swap Clothes with Friends: Find a friend that wears your size and begin the SWAP. It’ll give you a chance to change up you’re style and never get bored.
8. Go to Museums: Not everyone knows, but in places like NYC and Washington D.C., museums are free. Grab a friend or significant other and make a day of it. Trust me, you can spend 12 hours in the MET.
9. Keep the Change: Nickels are money too. Get a jar and throw your change in at the end of the day. Before you know it, you’ll have that new Louis on your arm.
10. Splurge….once in a while: The only way you’ll ever feel good about making these changes in your life is rewarding yourself. If that gorgeous faux fur jacket won’t leave you alone, go for it. But remember….you don’t need it in every color.