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Create Financial Health With A Few Simple Money Saving Tips

By Helen Chappell

The worldwide economic slow-down has forced many people to reevaluate their personal financial habits. This has come to be because too many people had to wither the economic crisis with little to no savings. Big spending and big credit was a recipe for disaster for many families. If you are ready to take steps to increase your savings, without drastically having to change your lifestyle, read on for more information on just how you can do it.

Before you begin you should be prepared by knowing that in order to be successful you have to make a mental commitment to your financial health. Start by writing down all of your monthly expenses. You may be tempted to leave out some of your guilty pleasures, but make sure that you are accurate in this list.

Once you’ve created your expense list, go through it. Compare your wants to your needs. What do you absolutely have to take care of? What are you spending frivolously? Cross out your unnecessary expenses and tally up how much you could be spending if you simply avoided them.

If you think that you’re not yet ready to give up certain expenses, you may be better off weaning yourself off. Cutting back can help you in this process. Although you won’t abandon this particular want altogether, you will slowly cut back with the ultimate aim of giving it up completely.

Save on food by planning. Plan ahead for the week in order to know what ingredients you’ll need. Write out your list before you head to the grocery store. This will help prevent repeat trips to the grocery that will cost in time, gas and money on things you’ll pick up but don’t really need. Try to cut out the number of times you eat out as well.

You may actually be able to enjoy great entertainment for less. Public libraries are a go-to spot for free rentals. Granted you may not have the option of the latest releases, but you may actually be surprised at what you’ll find. Don’t worry, you’ll find more than just classic DVDs at most libraries!

Buy both your car and home insurance policies from the same company. Most insurance companies will offer a discount if you buy more than one policy from them. You can implement this tactic on other services as well. For instance, your internet, cable and TV services can come from an individual company as well. This will reduce the hassle of dealing with multiple companies, as well as secure a discount rate.

If you have credit card debt, but are always making payments on time, every several months call your lender and negotiate your interest rates. This will help more of your monthly payment go toward your principle balance and less toward interest charges. All of simple financial changes may not seem like much, but when you cut costs and place more into a savings account, you will watch as this account grows. Make sure to place your money in a competitive savings account with high interest rates.

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Article Citation
MLA Style Citation:
Chappell, Helen "Create Financial Health With A Few Simple Money Saving Tips." Create Financial Health With A Few Simple Money Saving Tips. 5 Jul. 2010. 8 Feb 2016 <>.

APA Style Citation:
Chappell, H (2010, July 5). Create Financial Health With A Few Simple Money Saving Tips. Retrieved February 8, 2016, from

Chicago Style Citation:
Chappell, Helen "Create Financial Health With A Few Simple Money Saving Tips"

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