Is the dollar here and a dollar there really worth it? Of
course! Think about thisÖ.setting the thermostat at 78 degrees
in the summer and 64 degrees in the winter can reduce energy
costs by 20 percent. If you spend $100, that is $20 a month
saved. It may not be a lot by itself, but just a few degrees
on the thermostat just saved you $240 this year.
If you take out one meal a day during the week, you could
be saving $25 or more dollars a week by just packing a lunch.
Thatís $1200 a year! Or how about taking money from other
bankís ATMs? Just once a week can add up to $100 per year.
These three simple examples total over $1540 per year. And
that is just the beginning.
Managing your money and sticking to your budget can easily
save you 20 percent in expenses this year. Imagine a 20 percent
raise at work! It is the same principle. Money management
is easy when you think about it. And thatís the thing, you
have to be willing to make money saving strategies a part
of your life. Remember when your parents told you to turn
out the light when you leave a room? That simple act is money
And now you donít have to do it alone. Personal computers
are a wealth of resources and information to help you get
and stay organized. Computer programs exists that help you
do everything from balance your checkbook to paying taxes
to doing business directly with Wall Street. The Internet
makes it possible for you to comparison shop for purchases
from CDs to homes. Just knowing the amount of purchase options
out there makes you a more informed consumer, better able
to manage your accounts.
Taking simple steps to incorporate money management into every
aspect of your life and to learn as much as possible about
money will make it simpler and easier to live the debt free
life you want.