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Harris-Courage & Grady, PLLC Oct. 15, 2015

We’ve all heard the saying “a penny saved is a penny earned.” Saving your pennies (and more) can be easy.

Check out these tips to save money and stay out of debt:

  1. Buy used Whether you’re shopping for furniture, electronics, or clothes, you can save enormous amounts of money buying used items instead of new ones. It’s common to find things that people used very lightly or not at all and then decided they no longer wanted. Craigslist, garage sales, and thrift shops are all great places to find deals.There are also a lot of do-it-yourself ideas you can use to improve the appearance of your purchases. It’s a lot less expensive to buy a used table and some paint than to buy a brand new table. As a bonus, you can customize it exactly how you want it.

  2. Group your errands togetherPlan ahead and you can save a lot of time and gas money. There’s no need to drive back and forth across town. A few minutes spent planning your errands will allow you to get them done in the most efficient way.

  3. Shop the outer shelvesGrocery stores place the least expensive (and healthiest) foods at the back and along the outer walls of the grocery store. If you stick to whole fruits and vegetables, meats, and dairy, you’ll spend less and be healthier too. Highly processed convenience foods that you find at the front of the grocery store are the most expensive to buy.

  4. Use couponsTake the time to go through the coupons you get in the mail or in the newspaper, and save the ones for items you already buy. If you can combine coupons with store sales, you’ll save even more money.

  5. Shop with a purpose Go to the store with a list and stick to it. This will help you avoid impulse purchases.This tip helps with every kind of shopping trip.

  6. Stop paying for TV Cable and satellite television are very expensive. Could you stream your favorite shows free or for a minimal online subscription instead? There are many ways to watch television online that are free or cost less than cable. You can also access free DVDs through your local library.

  7. Pack your lunchDid you know the average person spends more than $2000 on restaurants every year? $2000! Restaurant food is extremely expensive and usually not very healthy. If you plan ahead and bring your own lunch to work, you’ll see the savings right away.

Following these tips will help you save money without making major adjustments. These few easy lifestyle changes could result in thousands of dollars in savings for your family.

Choose one to try this week, and see how much you could save.

If you’re already in the weeds and need credit counseling from a NY city bankruptcy attorney, we can help. Call Harris-Courage & Grady Solutions today for your free consultation.