Make Money instead of spending Money

  1. Put those talents, skills and hobbies to good use. Make them pay for themselves! Go on or even to find people looking for your skills. Everybody wants to learn something on If you are just sitting on your duff, not making money, watching tv, reading trashy novels or even just sitting bored at a friend’s house. Find a way to substitute that to making money. Ask yourself, “What can I do right now, instead of watching tv or stuffing my face, that would make money?” It’s better to do things for free than to go out and spend money unless, of course, it is an investment that is going to a money making cause.
  2. Keep dreaming and setting goals. Keep working on dreams and goals every day. Make time for them like you would your to do list. Dream on or parish!
  3. If all else fails than I guess get a job. Better to be working than out spending money you don’t have. Just remember you could be working on your dreams, goals and aspirations or get a job and work on somebody else’s dreams, goals and aspirations.

How my library and yours could save a lot of money if you would just use them

  1. There are all kinds of libraries out there such as university libraries, science libraries and genealogy libraries, find them and use them. Of course, don’t overlook your local library. At our local library we have a 2 hour computer limit to access the internet. This eliminates the need for a computer and subscription to the internet which saves a good thousand dollars or so. It really adds up. For 20 cents a copy I can even print stuff out eliminating the need for a printer and buying ink cartridges. Photocopying and Faxing can be done at my local library also. Maybe yours does to? Check it out. The local library I am at will even sell earphones to be able to watch youtube videos in peace. Even the services they have there are cheaper than having to own all that equipment.
  2. How can I forget all the books available to explore and read? They have skills you can learn such as Math, Science and even a foreign language.   Some libraries teach computer skills, money management and even how to invest. Right now at the Paw Paw District Library they are having a seminar called Tech Talk on August 23rd   2017 at 5:30 pm.   They will talk about email, security and passwords.
  3. At our library they even have cheap bus trips. You can go to a Tigers game or even to a shopping trip in Chicago, IL.  The bigger town or city the library is in the more they have to offer.  See what yours have to offer today!

How to avoid eating out to save money

  1. Menu plan breakfast, lunch and dinner for at least a week if not a month. Find ways to make $1 to $2 meals.  Youtube has lots of good ways to make inexpensive meals. Plan around what’s on sale and what is in season. Fast if you need to and/or have some meatless days such as Friday, Wednesday and even Monday. Have fun making vegetarian meals and know that meat costs more than beans, plants and other vegetarian ingredients. Along with growing a garden, fishing and hunting can lower the costs of your food intake. Tap water can be cheaper than milk and used as a substitute such as milk in cereal, eggs and French toasts.
  2. Know your triggers. Try to avoid triggers. Recognize triggers when you see them.  Ask yourself, “What makes you eat out?” Day off?  Don’t feel like cooking? Special places and circumstances? Plan ahead and find ways to outsmart those triggers.  Don’t feel peer pressured into eating out. Not everyone eats out.  Sometimes and with a little practice cooking at home, a meal could tastes better than eating out.  You even might get a better bang for your buck. Drinking and smoking are definitely money wasters and don’t add any nutritional value.  Neither do drugs.  Find better ways to go out that could be just as satisfying as a meal out such as hiking, the library or even free community events.

Why have a budget to save money?

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  1. Having a budget is like a safety net to be able to pay for bills and balance between wants and needs of where the money is going. It’s a fence of a playground so you don’t wander out in the streets and get hit by a financial car, foreclosure or even bankruptcy. Budgets help people get in control of their money and should be seen as friends.
  2. A budget is a plan or roadmap to better prepare for what money have and don’t have. If you fail to plan, you are planning to fail.
  3. Budgets list what bills have and helps plan what you will need to spend your money on in the future. Budgets lists what is coming in and what is going out. If the money coming in to spend is less than the money going out must figure out where you went wrong. Cut back somewhere. The two biggest expenses are roof over head and transportation. Eating out is another big expense to look for when cutting back. If finally have more money coming in than going out then would have money to save, spend or invest. Emergency funds are nice to have and should strive for that if you can. Retirement should also be accounted. Budgets let you know if you should find ways to spend less money and spend within or even below your means.

Keep track of what you have to save money

  1. Clean, organize to stay home and not spend money. Will also know what you have so will not have to buy double or triple of everything.  Lets you plan ahead so can get the item on sale or even at a garage sale or goodwill.  My mom had at least 5 of everything when she left us with her estate.  She did not keep track of what she had.  She just went out and bought whatever it is that she could not find at the time.
  2. Not knowing what you have is worse than collecting things.  It’s as if you collect what it is that you don’t know what you had. My mom had a big collection of at least 20 toe nail clippers when we cleaned out her drawer in her bathroom.  If she had her bathroom drawer cleaned and organized she could have saved money by not having to buy all those toe nail clippers.
  3. Knowing what you have lets you use the item to its full potential.  It will not be sitting around collecting dust.  The cost life of what you have will not be so expensive.  You will get the most bang for its buck when you know you actually have the item. If you decide not to keep the item you can sell it, donate it for tax deductions or give it away to a good home for someone else to use. It could even be someone’s Christmas or Birthday gift.  That would be less money you would have to pay for presents.

Keep track of what you spend to save money

  1. This would include budget, money diary, and menu planning.  It could even include a food diary to keep track of what worked, what didn’t work and even what was on sale.  This could even help to not eat so much.  As you look at your tracker and wonder where did all the money go? You will know as it will be all written down.
  2. Keeping track of where your money goes makes a budget more realistic.  You are not just pulling numbers out of thin air to make a budget work but you are realistically know how much to put into each category.   This helps with needing to know what to cut back on and what might need more money.
  3. Knowing that you might run out of money until next payday, budget to spread out the money to know what to spend on, and what not to spend.  If writing down a plan of what will spend money on be prepared for triggers of mindless spending habits that throw money away right before your eyes.  Thinking about spending ahead of time helps in preparation not to spend unconsciously but consciously.  Money goes quick when not thinking about where the money is going or at least not allocating where your money goes.