50 Ways to Save Money

CONTENTS
 Introduction
 Saving Money on Health and Fitness
 Saving Money on Food
 Saving Money on Technology
 Saving Money with the Kids
 Saving Money at the Holidays
 Saving Money on Entertainment
 Saving Money on Clothing
 Saving Money on Higher Education
 Saving Money on Vacation
 Saving Money on your Monthly Bills
 Conclusion
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INTRODUCTION
With full economic recovery still a very distant glimmer on the horizon, everyone from
corporate boardroom inhabitants to double-wide trailer denizens is looking for ways to trim
costs and keep more money in their pockets.
It seems that no one has been exempt from the belt-tightening. The latest talk in locker
rooms and on golf courses (for those who can still afford to golf!) is less about stock tips and
more about cash-conserving strategies. If nothing else, budgeting is working as a way for
people from all walks of life to come together and bond!
After studying personal finance and budgeting strategies, I noticed that a lot of the advice
out there relied on people being able to make long-term adjustments to their lifestyles, like
downgrading to a smaller house, or selling their car. While these are great ideas, they aren't
very helpful for people who need ways to change their financial footprint immediately.
So, I decided to pull together a report that will give you some concrete ways to start cutting
costs TODAY. In this short report, you will find 50 ways to save money in a variety of ways –
things you can do starting today.
While not every section will necessarily apply to you or your situation, there will be plenty of
suggestions that will make sense in your life.
Won't you spend some time with me and take a look at this report. See what strikes you as
something that is do-able for your lifestyle, and get started trimming your budget NOW.
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SAVING MONEY ON HEALTH AND FITNESS
Saving money in this category provides a pleasant bonus. As you get healthier using these
money saving fitness options, you may just save money on health care, as well! Here are five
ways to save money on health and fitness for you and your family:
1. Forget the Fancy Gym. Many people sign up for an upscale gym, thinking that the
more they pay, the more they're likely to actually use the facilities. Unfortunately, that's not
true. According to the International Health Club Association, 90% of those who join health
and fitness clubs will stop going regularly within the first 90 days – but the payments still keep
coming in! Good for the gym; bad for your health and your budget.
The way to avoid paying through the nose for services you're not using is to start by avoiding
the upscale gyms with on-call masseuses and on-site spa. Go bare-bones and get your
pampering elsewhere! Also, knowing that the odds are against you, choose the monthly
payment versus the one-pay, no-cancel alternative, even if it looks more expensive. There's a
90 percent chance that you're going to want to cancel, so keep that option open.
2. Pay in Cash. Health care providers are facing non-payment for services already
rendered, just like almost every business owner. This puts the cash payer in a good position.
You may be able to negotiate a lower upfront cost by paying in cash, immediately, rather
than waiting to be billed, or asking the office to submit through your insurance. If you don’t
have insurance, ask for a discount. The answer may be pleasantly surprising!
Be sure to call ahead and ask to speak to the billing specialist. If you wait until you're at the
office and you've already been treated, it's easier for the office person to say no. Also, the
person with the power to say "yes" may not be available.
3. Shop Around. Even if you've seen Doctor Z forever and feel a tad uneasy thinking
about changing, the cost savings you may realize by changing health care providers may
override your emotions. Newly minted doctors, chiropractors, and dentists looking to build
their practices may provide routine services for significantly lower prices. Many dentists offer
"new patient" specials for cleanings and X-rays, and chiropractors often provide similar
discounts with new patient screenings.
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4. Go to the Amateurs. While you wouldn't necessarily want to have brain surgery from
a first-year med student, getting your teeth cleaned by an experienced dental student or
hygienist who's overseen by a licensed professional is virtually risk-free – and a lot less
expensive! The same goes for choosing a personal trainer working towards certification.
Before you go to the high-paid professionals, check out local colleges and vocational
schools in the area to see what kinds of possibilities are available for you to volunteer as a
"guinea pig."
5. Find a Friend. I recently received a postcard from my dermatologist, saying that if I
brought a friend to an upcoming "beauty" night, we both could receive discounts on a
variety of products and services, from skin care to Botox! Gyms often run "friend" discounts.
And if you work out with a personal trainer, share the expense with a pal or two and get all
the results at half the cost.....