Tip #7,271 • 1 person found helpful • 1 List Making a monthly list of needs vs. wants will help you see what’s absolutely necessary to purchase, and which items are not needed. Keep the list in an easy-to-access place, like on your smartphone. Money personal finance + goals + finance + Helpful... Share Share Tweet Send
Tip #5,401 • 1 person found helpful If money is tight, instead of giving children money for completing their chores, give time to do their favorite activities such as playing a game, visiting a friend, or watching television. Parenting kids + chores + finance + Helpful... Share Share Tweet Send
Tip #7,231 • 1 person found helpful • 1 List Set short-term goals when budgeting. This helps you stay on track with your budget and provides a feeling of accomplishment. It’s easy to get discouraged if you never reach a milestone. Reaching a goal reassures you that your budget plan is working. Money goals + budget + finance + Helpful... Share Share Tweet Send
Tip #7,174 • 2 people found helpful • 1 List At a minimum contribute enough to your 401k to receive the employer match. Don’t pass up that free money! Money work + money + career + retirement + finance + Helpful... Share Share Tweet Send
Tip #7,175 • 2 people found helpful • 1 List When you get a pay increase use it to increase your retirement contributions or emergency savings. So if you get an extra $50 per paycheck, then start putting $50 more into savings. Money money + savings + retirement + finance + Helpful... Share Share Tweet Send
Tip #7,176 • 1 person found helpful • 1 List Talk to your payroll department to set up automatic transfers from your paycheck to a savings account. Eventually you won’t even notice the money is missing while your savings grow. Money money + savings + career + finance + Helpful... Share Share Tweet Send
Tip #7,180 • 1 person found helpful • 1 List Save money by canceling subscriptions you don’t use. Some ideas are magazines, Netflix, gym membership and so on. You can always sign up again if you feel like you absolutely need it later on. Money money + savings + finance + Helpful... Share Share Tweet Send
Tip #7,181 • 1 person found helpful • 1 List Make sure you really like a hobby before buying a bunch of stuff for it. We often buy all the gear thinking it will make us like skiing, crafting, cooking or whatnot, but then we don’t use it. Rent or borrow things until you’re sure it’s a hobby you’ll stick with. Money money + hobbies + savings + finance + Helpful... Share Share Tweet Send
Tip #7,183 • 1 person found helpful • 1 List Reduce your water bill and help the environment by installing low-flow showerheads and aerators on your faucets. These are affordable so it won’t take long before you see a return on your investment. Money money + bills + savings + eco-friendly + finance + Helpful... Share Share Tweet Send
Tip #7,177 • 2 people found helpful • 1 List A large tax refund is just an interest-free loan to the government. Adjust your tax withholdings so that you get more in your paycheck instead of a refund. The goal is to get a small refund, yet not owe any money back. Money money + taxes + savings + career + finance + Helpful... Share Share Tweet Send
Tip #7,178 • 1 person found helpful • 1 List If you get a large tax refund, put it towards your debt or building a savings fund. Use it to better your financial situation. Money money + taxes + savings + debt + finance + Helpful... Share Share Tweet Send
Tip #7,179 • 1 person found helpful • 1 List Pay less interest and pay off your debt faster by rounding up your monthly debt payments. If your car payment is $375, pay $400 instead, or more if you can! You can apply the same method to student loans, credit card bills, and your mortgage. Money money + bills + credit cards + debt + finance + Helpful... Share Share Tweet Send
Tip #6,065 Avoid borrowing money from family. If it isn't repaid or something goes wrong it can easily strain the relationship. Money debt + finance + family + Helpful... Share Share Tweet Send
Tip #6,113 • 1 person found helpful Shop around for the best type of bank account to hold your emergency savings. There are options that allow you to earn interest while still having immediate access to your money. Money savings + investing + finance + Helpful... Share Share Tweet Send
Tip #6,124 Be wary of accepting free gifts from a company. They are generally used to make you feel obliged to make a purchase, which people often do after accepting something for free. Money shopping + deals + finance + Helpful... Share Share Tweet Send
Tip #6,148 If you plan to regularly put money toward investing, it may be wise to seek financial advice so you can set up a plan that will best meet your needs. Money savings + investing + finance + Helpful... Share Share Tweet Send
Tip #6,183 Be willing to negotiate. Many people are embarrassed to talk about money, but not doing so can become very expensive for you. Money negotiation + finance + Helpful... Share Share Tweet Send
Tip #6,184 When investing, it is best not to become emotionally attached to your investments. If you do, it can lead to bad decisions. Money investing + finance + Helpful... Share Share Tweet Send
Tip #6,185 Before signing a contract, be sure you understand it completely and discuss any areas that you are uncertain regarding. Don't just sign to close the deal. Money contractor + finance + Helpful... Share Share Tweet Send
Tip #6,429 Treat a debit card like you would a checkbook. With most debit cards, transactions are immediate and are allowed even with insufficient funds. Always track how much money is in your account. Money budget + finance + Helpful... Share Share Tweet Send