Smart Savings: Saving Money on Everyday Purchases sample

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Table of Contents


1. Basic Principles of Saving Money

2. How to Save on Food

3. How to Save on Clothing and Household Items

4. How to Save on Pet Care

5. How to Save on Health Care Expenses

6. How to Save on Vacations

7. How to Save on Entertainment

8. How to Save on Home and Garden Expenses

9. How to Save on Fuel



Most of the world is struggling financially. Banks, small businesses, and families are going bankrupt. Food prices are way up. High fuel prices are causing the economy to struggle. People are unemployed, and foreclosure rates are alarmingly high.

In times like these, people are anxious to get and keep money. There is lots of financial advice out there. But often times, the advice to save more money is drastic in nature. People are actually doing crazy things in the name of saving money, like dumpster diving for free food, or traveling to a third-world country to have major surgery to avoid the high cost of US medical care. Solutions like these are not practical or easy for the average person, and may just drive someone crazy. What people need are some simple ways to save money. It is my hope that through this book, you learn just that.

Not every tip in this book will be practical for you and your situation. That is OK. Do not beat yourself up over doing every little thing suggested. If you have heart palpitations thinking of implementing one of these tips or are inconvenienced or stressed by trying one of these ideas, just skip it. Remember, these are supposed to be easy ways to save money.

I hope you enjoy learning how to save money the easy way!

                                                                 Chapter 1

                                         The Basic Principles of Saving Money

      It is impossible to save money without first knowing how to manage it. Sadly, many people do not know the first thing about how to manage money. They just charge things and get more and more into debt, or live paycheck to paycheck.

      The good news is there is hope for your financial future. By using a few basic principles, you can save money and provide better for yourself and your family. You will not get rich by following these guidelines. But you will have more in your pocket each month to pay down debt, pay expenses you cannot control, or save for the future. Here are some very basic rules to follow to save money and increase income.

Do not buy things you cannot pay for.

We live in a society that values things. Everyone wants the newest Ipad, a huge home, a deluxe vacation. And there is nothing wrong with any of that, if you can afford it. But if you do not have the money for an item and it is not absolutely necessary, it should wait. The small amount of enjoyment you would get from a purchase made is nothing compared to the amount of stress you will have repaying loans or credit card debt for months or years.

The Bible says that the borrower becomes the lender's slave (Proverbs 22:7). Debt was seen as so negative in Biblical times that it was absolutely prohibited in ancient Israel (Deuteronomy 28:12). Don't become a slave. Stay away from debt. If you are already in debt, work as quickly as you can to pay it off by saving money and/or making extra income. Otherwise, you could find yourself in major financial trouble.