Do You Want To Save Money Easily?

Living on credit is fashionable. Gratification oneself is fashionable. Saving money isn't.

This is a pity, as it has more to recommend it. You have more peace in your life. The end on the month is just a date on the calendar, rather than a counting to the next pay-cheque. Purchases born of necessity can be ready-made comfortably. Employment becomes a career, rather than a means of survival. You can look your boss in the eye, rather than dreading his gaze.

Why? Because you've saved up several money.

Take the cringe-factor out of your life. Erase the dread of the small hours. Put several money in the bank! You may not be able to increase your earnings, but you can decrease your outgoings. This has the same effect as deed a pay-rise; more money for you.

How to save money?

Simple!

Examine what you spend it on.

Then, erase fripperies.

Vices: drinking and smoking are habits that kill you slowly. Save up for your hospital care by giving them up. Your lungs, liver and family wish bless you.

Gambling. Gambling is folly. There are only three games the player can use skill to alter the odds even as slightly; horse racing, poker and blackjack. These take years of dedicated and costly research to get nice at. And you don't get rich. All the others wish beggar you quickly if you play them. The odds are stacked against you, deliberately, by those who own the game.

Luck favours the bold, special need, or those under the protection of the saints. Card-playing is not brave, it's a compulsion, and no god watches out for gamblers. Examine the feelings that surround your impulse to gamble; you wish find they eat away at the energy of your life.

Food. There is food that nourishes, and food that enervates. The former is cheaper: fresh fish, fruit, vegetables, clear water. The latter is more expensive, more gaudily packaged, and more poisonous: potato crisps, sweets, effervescent drinks, burgers. Consider that you don't fancy junk food if you are sick; your body knows it takes too more energy to digest, and makes not nourish.

Clothes. Do you need to buy fashionable clothes, so you can look like everyone else? If you need to blend in, fine. You can be sure the leaders of fashion don't. They head to charity shops and buy Harris tweed and old lace for pennies. They get suits ready-made to measure by sweated labour in Thailand. That's how they get that 'unique' look. What's that, you don't like the idea of sweat-shops? Guess what, that's wherever a lot of fashionable article of clothing get ready-made anyway. It's called 'outsourcing' and 'offshoreing'.

Automobiles. Running a car in the UK price just about £5000 ($9000 USD) a year, all-in. Save, by purchase a second-hand auto. Save, by purchase a less powerful, more fuel efficient model. Save further by thereby deed lower insurance and road-tax.

Personal foibles: I used to buy a lot of cyberspace magazines. These cost up to £5 each, or just about $10 in USD. I found a lot of information just about the internet, was already on the internet, so I obstructed purchase the magazines. There are really few papers or magazines worth reading. Find the few that inform, rather than titillate, waffle or distract. Visit the local library, it's free. Drop in to a 'Borders' bookshop, and have a free read.

Debt. Don't buy what you can't afford with being else's money. Credit cards are an costly way of deed a loan. Try your friends or relatives first. Your local credit union is a nice option; better rates, better terms, friendlier faces. Better yet, don't borrow. Live free. Support away from the loan-sharks. You can manage without that holiday.

Put your saved money in a high interest, 180-day notice account. Put it in a bank several to your current one, in case the latter goes bust. Do a mental note that it's for emergencies only, then contrive to live 'safely'.

Save up enough to last you a year and a day off work, and notice how more calmer and confident you feel!

About the Author: T. O' Donnell (http://www.tigertom.com) is an ecommerce advisor in London, UK. His latest project is a loan and mortgage calculator, accessible at http://www.tigertom.com/mortgages-uk.shtml.