Ways to Save Money on a Mortgage – 4 Secret Ways to Save Money on a Mortgage

If you learn a few ways to save money on your mortgage, you can literally save hundreds of thousands of dollars over the next couple of decades. A lot of times we don’t realize how much a mortgage really costs us in the long run, we just think of it in terms of how much we’re paying out each month.

To get a better big-picture perspective, let’s look at a few numbers.

Using the Yahoo! Real estate page, you can use their calculator to figure out how much your monthly payments will be (not including taxes or PMI) and how much interest you will pay over the course of a mortgage.

If you use a $150,000 beginning balance on your mortgage and get a 5% interest rate for 30 years, you end up paying about $140,000 just in interest! So essentially your house almost doubles in price.

Do you see the benefits of knowing ways to save money on this mortgage? Think about how much you can save if you’re buying a much more expensive home!

So let’s get started with a few things you can do.

The first and most important thing you can do is RESEARCH. When you start looking to buy a house, looking at 2-3 houses isn’t enough. In fact, looking at 10-15 houses isn’t even enough! To really get a feel for the local market, try to look at 100 houses or more. A lot of this can be done online, so you don’t have to worry about touring around houses for the rest of your life!

Investors often say that money is made when you buy, NOT when you sell. In other words, its much better to get a great deal at the beginning than to buy and hope later the house increases in value. This goes for either an investment or buying your home. The more research and better deal you get upfront, the better your chances of having it be a success.

Another thing is to make sure you don’t buy a house that’s outside of your price range. Experts used to recommend that you never buy a home worth more than 3 times your yearly income, but now some are even saying 2 years. So if you make $75,000 a year, don’t buy a home that costs more than $150,000.

This is primarily to protect yourself from having to foreclose if you lose your job. Hopefully with a lower monthly payment, you have more money to save in case of emergencies.

So let’s say you’re already in your home and are looking for ways to save money. You basically have two main options (and you can combine them).

One option is to remortgage your house. Usually people do this to get a much lower interest rate, so they’re paying less each month. The only way this really works is to use the new mortgage to pay off the old mortgage. Some people will take out the new mortgage and only pay off part of the old one. This is a very bad idea, because you’re now paying two mortgages each month!

Using numbers to illustrate how this saves you money, let’s say you got a $150K mortgage at 5% interest for 30 years. That means you’re paying about $805.23 per month. If you were able to remortgage the house for 4%, now you’re only paying $716.12 per month. That extra $90 may not seem like much, but it adds up over the year.

The other main way to save money on your mortgage is to pay if off early. You can either send in a payment every 2 weeks (instead of one per month), or you can add on 10% to each month’s payment and make sure the bank puts it towards principal. Just doing this little trick can help you pay off the loan in about 23 years instead of 30, saving you tens of thousands of dollars (or more).

Right now this might seem like a stretch, but chances are if you try it you may not even notice a big difference. Then when your house is paid off much more quickly, you’ll be glad you did this!

Good luck, I hope this taught you some ways to save money that you can put into practice.

Best Ways to Make Money – 3 Sure Fire Methods

If you’re looking for extra income, welcome to the club. In today’s economy, tens of millions of people are frantic to find ways to pay for not only the nicer things in life, but also the bare essentials that keep going up in price, such as gas, heating oil, food, clothing, and housing.

Fortunately, your trusty computer can help save the day, making it unnecessary for many to find a second job. Here are some of the best ways to make money from your computer.

Blogging

When someone tells me that they’d like to make some extra income online, but don’t have the technical skills to set up their own web site, I usually advise them to set up a blog. Blogging is one of the best ways to get started. There are sites such as blogger.com and wordpress.com that require absolutely no investment, and can get you published on the Internet today!

All you need to start blogging is a favorite subject and the willingness to post your thoughts on a regular basis, I recommend at least once every day for the first couple weeks, and 3 to 5 times a week after that, as a bare minimum, if you’re serious about earning income.

There are many bloggers that earn full time incomes. Even if you’re new to the Internet, you’ve probably heard of super bloggers that talk about any subject under the sun, from celebrity gossip, to politics, to electronic gadgets, to shoes. Your blog topic can be whatever you’re already knowledgeable about, or are willing to spend the time to research. Actually the narrower the topic the better, as you can become the go-to expert in your field.

There’s also nothing to stop you from having multiple blogs going at once. Just make sure you can keep up the pace with each one, as there’s nothing sadder than finding an interesting blog that hasn’t been updated in weeks. Your loyal readers will often reward your interesting thoughts by making purchasing decisions based on your recommendations, and you can earn affiliate commissions by linking them to your favorite products or merchants.

Article Marketing

Many online marketers find that writing informative articles is not only fun but profitable. Posting brief posts on your blog may convince you that you want to have a bigger impact. By writing informative articles anywhere from 300 to 800 words on average, and submitting these articles to some of the many top article directories on the Internet (like this one), your writing will reach a much larger audience. In your article, you can link back to your own blog or web site so that interested readers can read more if they like your style.

Writing For Dollars

OK, so let’s say you like writing, but don’t want to bother with what little effort it takes to post it online at all, what to do then? Well, many thousands of people write for others. There is a huge demand for “ghost writers”, those that sell their writing ability in exchange for immediate income. If you have a talent for researching topics (simply using the available search engines in many cases), you can keep busy writing for others that either don’t have the time to do so, or are challenged in the English language.

Or take the opposite view. Suppose you want to make money, but don’t have the best writing skills. You can still succeed by hooking up with a writer that’s willing to follow your instructions to write your blog posts or articles. All you need is a topic, and for often just a few dollars, you can find an excellent writer to do that job for you. Much like changing the oil in your car, if you don’t have the ability or equipment to do t he job yourself, it’s easy to find someone who does at a very affordable price.

4 Creative Ways to Save Money

Want to know four creative ways to save money? As you all are aware that the world is in the state of recession. Almost every country has fallen victim of this global economical crisis. This crisis has been the major cause of the downfall of the economy in many countries. The rate of unemployment is rising day by day. The only option which is available to the people is to save money as much as they can because no one knows what’s coming in the future. In my article I will discuss 4 ways to save money.

1. Update Your Self: If you want to make or save your money you should be updated and you must be aware about the current market situation. It is important because while you are saving you must also be aware of the opportunities which market is offering in this hard time.

2. Budgeting: if you don’t have a habit to measure your budget, then now it’s your duty to maintain your budget on daily, weekly and on monthly basis .This will help you in getting rid of your unnecessary expenses. When deciding your monthly budget consider your debts. It is important to get rid of your debts a quickly as possible and try to remain debt free as much as you can.

3. Eat less: from the last few years it has been noticed that people are spending lot of money on their eating habits. I am not saying you must not eat, but you have to cut down your excessive expenses in order to save money. Home made food must be considered by you and dining out must be avoided.

4. Sources of Income: If you want to save and want to earn extra income then you have to work additionally. Doing additional work will enhance your income. The more you earn the more you will save. You can increase your income by doing over time, part time, online work and many others.

Above mentioned were 4 ways to save money. I must suggest you to save your money as much as you can and if you have not yet started to save then start from today because it will secure your tomorrow.

4 Easy Ways to Earn Money Quickly

When times are tough or you have an unexpected bill that comes in, you may need ways to earn money quick. Maybe you have some expenses that are coming up that you forgot about or don’t have time to save for and you need cash right now. There are many different ways to earn money quick. In this article I will outline 4 easy ways to earn money quick.

Whatever your reason is for needing money quickly, these tips will help you out. Of course it depends on how quickly you need the money as to which tips you will work best within your timeframe. Some ways can take a month for the money to come in while others are immediate.

– eBay

If you have items that are in great condition or brand new, eBay is one of the ways to earn money quick. You can sell them on eBay. eBay charges a small fee to insert the item and then a percentage once you sell the item. You can list your item from 1 day to 30 days. When you list your item, you will have between 3 and 33 days to get your money. It depends on how long you list your item for. Payment will be accepted via PayPal and that takes an additional 4-5 days to have the money deposited to your account. So you are looking at 7 to 37 days to get your money.

– Part time job

You can get a part time job if you need ways to earn money quick. Good options are jobs at a restaurant, clothing store, or deliver newspapers. This type of job can take 1-3 weeks to get payment depending on where you fall in the pay period when you start. The only time this would be different is if you are a waiter or waitress and you make tips right away.

– Garage Sale

One of the best ways to earn money quick is to have a garage sale. Gather all of your items you want to sell and put prices on them. Put flyers out where you can and tell everyone you know about your garage sale. If you can afford it, you might check the price of placing an ad in the local newspaper. This is a good way to make money in a few days.

– Online business

If you have an online business and have control of the money coming in, you may consider having a special. When you do this, you can bring in money quicker or right away. Do network marketing and place ads on message boards regarding your special. Remember this is your business and you have control of the ways to earn money quick.

These four ways to earn money quick will help you in your time of need. Whatever your need is these are good options to work with.

Ways to Save Money on Auto Insurance – 7 Tips to Save Thousands!

We all could use some tips and tricks for ways to save money on auto insurance. Because millions of Americans have to have it, it makes sense to do a little homework to find out how to save a lot of money.

Here’s a few tips I’ve come across that can literally save you thousands of dollars. Everything depends on your specific situation, but I can pretty much guarantee these methods will help you save some big bucks.

You probably already know this, but the first and most important thing you can do is to shop around. There are dozens of auto insurance companies out there, not just the ones that you see on TV! In fact, a lot of the lowest rates will be found with companies that aren’t all over the TV or sending you mail every week. Because these companies spend a lot less on advertising, they have lower overhead and can offer you lower rates.

The best two ways to shop around are to ask friends and look online. By asking friends, you can have a trusted opinion about the ethics and prices of different auto insurance companies. You may even get some kind of discount for yourself or your friend if you mention that they referred you. If you decide to look online, check out sites such as your state insurance department, A.M. Best, or Standard & Poor’s. The more places you look, the better your chances to save tons of money.

Another great way to save money on auto insurance begins with the car buying process. Once you’ve selected the company you want to work with, get auto insurance quotes for each type of car you’re thinking of getting. You’ll generally find that the more expensive cars have much higher premiums. Also, cars that are certain colors (such as red) or go very fast like sports cars will have much higher premiums. If you really need to save money, stick with a less exciting color vehicle that is reliable but not super fast!

One way to save money on car insurance that you probably already know about is to use a higher deductible. This means that if you have an accident, you are responsible for paying a larger portion of the damages. While this may not sound like a good idea, in the long run it usually makes sense for good drivers. As long as you don’t have an accident for a long time, the savings you have on your monthly premium will more than make up for the higher deductible you have to pay if you do have a fender bender.

Reduce the amount of insurance coverage on older cars that you’re driving. Cars lose their value very fast, and it just doesn’t make sense for you to have expensive insurance on a car worth less than $2,000! In cases like this it just isn’t worth it, and if you do have an accident it might be more worthwhile to use the insurance money to get a new (for you) vehicle.

How is your credit record? Believe it or not, this can give you a significant discount on your auto insurance every year. Simply by paying all of your bills and credit cards on time, you’ll build a great credit record and could lower auto insurance premiums.

One good way to save money on auto insurance is to use the same company for both auto and home insurance. Because so many Americans are homeowners, they will usually have both types of insurance anyways. By using the same company for both, you can save hundreds or even thousands per year just with this one little trick.

Finally, be sure to ask for as many discounts as you can. For example, if you don’t drive the car many miles each year, you might get a discount. If you’re a student with good grades or have taken a driver’s education class you can get a discount. Some insurance companies offer a military discount. It never hurts to ask, and that’s what your insurance agent is there for!

Good luck, now go save money with these ways to save money on car insurance!

The Best, Easiest and Quickest Way to Save Money on Food Ever!

Are you sick and tired of overspending on groceries every week? The price of everything has risen steadily this last year, but the price of groceries is right down outrageous! I don’t know about you, buy I simply got tired of spending more than I needed to when money has not been quite so easy to come by of late.

In my search for answers I came across the easiest, quickest and best way to save money on my food bills ever. I have become a huge fan on electronic grocery coupons.

What are electronic grocery coupons? They are a slick new invention that makes grocery shopping and saving money go hand in hand. Basically they work the same as traditional grocery coupons, only your discounts are downloaded to your grocery store savings card. You shop as usual and get your savings at the checkout automatically.

Why are e-grocery coupons the best? You can not forget them. You can not lose them, and they are dummy proof to use.

In the past, I found that a lot of the time required for coupon shopping and rebating was taken up by needing to clip, sort and file my cents-off offers. Now with e-coupons, all I need to do is a quick search online for offers and download my savings to my store card. I spend more time looking for offers that save me cash, and less time with the logistics of coupon use. The best part of saving with e-coupons is that my hands are free in the grocery store while I shop. The whole process is easier and faster while I still get all the savings of traditional grocery coupon offers.

Saving money on food is really not so difficult the more organzied you are. There are a lot of new technologies to make saving a whole lot easier than it used to be. While this article is about e-clipping for savings, printables from you computer and store discount cards offer instant savings without the fuss as well.

Ways To Save Money From Your Household Bills

If you’ve seen the news lately, people are worried about an oncoming recession. The interest rate is going up and number of foreclosures on homes is too. With all this worry about our nation’s economy, people are getting worried about what’s next and what they can do to offset the recession so the inevitable doesn’t happen to them. Well, it all comes down to how you save your money.

There are many little things you can do to shave and save a few dollars here and there. This is a case where all the little things you do add up in the end. These tips on saving money can also go for those who aren’t struggling, because, eventually, we’ll pull out of the recession but it’d be nice to have a little more money saved up for retirement in case Social Security isn’t there for you when you become of age.

To start off, look at things around the house. Most of the money you tend to spend comes in through household bills.

One way to save here is selecting a lower service package from your cable provider. Sure all those channels look great when you need entertainment but if you can get by with just the basic services for the news, you can always find other forms of entertainment that are cheaper.

Turning down the temperature on the water heater about 5 degrees can add a little extra due to less electrical usage to heat the water up and you probably wont even notice the difference. Give a call to your utility companies, most will give you other ideas to save around the house such as turning down the heat a degree or two and winterizing your home to avoid loss of heat and the heater turning on more.

As for groceries, get the Sunday paper. Here, as everyone knows, are weekly coupons but you can also find places online that offer coupons that you can print and save money with. You can also opt for generic brands which are usually the same as name brands, just in a different box; some may even be from the same company that makes the name brands.

Try to avoid eating out or the quick impulse to grab a bite at a fast food restaurant. For the price of food there, you can usually buy enough food at the grocery store to last the whole day. Packing a lunch can save you money, too, in much the same way versus eating out.

You can even save money by the phone you use. Depending on where you live, some cell phone service packages are cheaper than normal phone providers. Even the cable companies are getting into the act offering unlimited local and long distance service.

Most important, the best advice to save money is to save money. Out of every paycheck, put 5 or 10 dollars into a savings account. Every time you get a raise bump up the amount you deposit. Overtime this will add up for a rainy day or retirement.

Perfect Ways to Save Money

We all know we need to be saving money. We hear it all over the place you must get better at saving money, there will be nothing left for you when you get older. I’m not going to tell you saving money is the easiest thing to do, we live in a consumer economy everything is about spending and work toward what you want. We all need to concentrate more on what we have to offer to society more than what material items we think we want this week, but that’s a story for another time.

I’ve laid out a simple plan to follow to make saving money so easy you don’t even have to think about, After you set it up. But hey the set it is right here so you don’t have to do anything, but go do whatever you do to keep your income coming in and forget about the rest.

Step 1: estimate what you spend for each bill you have per month. Electric, cell phone, rent, or mortgage, water, credit cards, and any other ones you may have.

Step 2: we’re assuming your working or have some form of steady income coming in. Most jobs either offer automatic deposit or prefer you use it, so go ahead and set it up for automatic deposit.

Step 3: break each one of your bills down to ½ of what the monthly estimate would be to pay the bill in entirety.

Step 4: set them all up to be paid out of your bank account automatically through your bank on the day after you get paid. I repeat use your banks online bill payment to do this not the bill or expenses automatic payment. Please note the difference. The way you set it up is you take the paper bill they send you and go through your banks online payment section and pay ½ each pay.

This works out great because you will actually be paying more towards your bill because every two weeks payments are more frequent than monthly. This method also works great if you have a bill you fell behind on, simply add 15 more on that bill until it gets caught back up

Step 5: Because this method allows you to control how much and when all you bill collectors get paid it allows you to finally prioritize everything and pay the most important person first and that is you. It doesn’t matter if you only have ten dollars every two weeks to save for yourself. Start now, get into the habit of letting this system work for you. Put all this technology we have access to, to work for you. By all means I suggest you still take a look at your balances every once in awhile to make sure everything is running smooth.

Example of how it may look:
½ of electric bill $35
½ of rent $225
½ of visa $45
½ of car note $170
½ of car insurance $35
½ of cell phone bill $55
you first $50
Total $615

Your check every 2 weeks for the last 3 months has averaged out to be $1100, so this leaves you with $485 for all the rest of your expenses that are not monthly, I suggest at this point handling necessities first and leaving the rest in your checking account to avoid overpublishs or anything else.

Step 6: In order to pay “you first” and actually start to save and forget about it I suggest using an online savings account. Find a well known safe and secure one to use. And just like a regular bill your paying you can set it up to automatically have your money your saving for yourself go to your “you first” savings the day after you get paid also. I suggest using well known ones like Sharebuilder or PayPal.

These accounts are also good because if for some reason you decide I want to spend some of that money I’ve been saving (hopefully for something that will or can bring you more money in), these online accounts have you request the money be transferring it back into your checking account so this forces you to think for 24 hours is this purchase I’m planning to do really worth me spending my savings on.
W. Clement Stone once said, “If you cannot save money, then the seeds of greatness are not in you.”

There are many free sites to help you manage what’s left in your account after paying everybody including you and I suggest you use it. One I know of that is good is Mint.

Ways to Save Money Buying a Freezer – Six Tips

As the country’s economy falters and everybody’s financial situation becomes tighter, many try to think of effective ways to save money. One increasingly popular way to save money is to buy a freezer. Many households have made their grocery dollar go farther by buying food and meats in bulk or on sale for use later.

Growing up in Upstate New York, I can remember every family I knew always had a separate freezer. Often the families were farmers as well as hunters. They saved money by doing their own butchering, and the only way they could store anything perishable for any length of time was in the family freezer. The farmers I knew were always a very frugal bunch. Nothing was ever wasted. They bought food in bulk when the prices were low or grew it themselves and lived off the freezer and their canning efforts in the lean months.

Most people nowadays can’t butcher their own meat and poultry, but they can still save money by buying a freezer. Here are a few tips on how to buy and make your freezer purchase pay off in savings throughout the year.

What freezer size is right for you? How many people are in your household? Two? Four? More? The more people in your household the more dramatic the savings you should see with a freezer. Consider that if there are only two people in your household, a larger freezer over 10 or 12 cubic feet may well be far too large for you to use efficiently.

Most frozen foods are good for approximately 6 weeks in a freezer. Meats and poultry, if frozen correctly, can last months. Just remember that the longer you store frozen food, the more likely the degradation of the quality and taste from freezer burn and dehydration. The last thing you want is to waste time and money by buying food and then have it look like jerky and taste like old sneakers.

Try to figure how many groceries your household would use in two months that could be frozen and stored. Many of the most popular freezer sizes these days run between 10 to 19.5 cubic feet of storage space, though I’ve found personal freezer models with storage size that run as little as 2.1 cubic feet. There may even be smaller sizes than that, but I don’t recommend any of the really small freezers less than 10 cubic feet unless you just don’t have the room for something larger. As long as you have a regular ol’ refrigerator equipped with a freezer, you may not want to bother with the extra expense and energy usage of something that small. If you still think you will need and use more freezer storage than that, opt for the smaller size freezer of around 12 to 15 cubic feet. That way, if for some reason you need to get rid of the appliance, since that size range is so popular, you’ll have people lined up to buy it second hand.

Consider energy usage when computing savings. Generally speaking, the larger a freezer is, the higher the energy usage. Most freezers are also most efficient when they are about 2/3 full. No matter what size your household is, when you use up the frozen food or you begin to see that you aren’t using all the available storage in the freezer, find something else to fill the unused space. I once heard a recommendation (I wish I could claim it as my own idea, but can’t) to take up the space with tightly-capped gallon-size plastic jugs such as detergent or bleach bottles filled half way with water. Just keep the jugs nearby as you take stuff out of your freezer. It’s a great idea, and I tip my hat to whoever originally came up with it.

Chest or Upright Freezer? Ah, a question that just about everyone asks themselves when looking at freezers. Here are some things to think about. Chest freezers have a larger footprint (take more floor space) than uprights, sometimes twice as much space. If you live in an apartment, this will certainly be a major consideration in your final decision.

Another thing, while it is true that you can stack stuff on top of a chest freezer, it’s really not convenient. You’ll rethink that idea after a few times of off-loading this week’s laundry and those extra paint cans and your recyclables off the top of your chest freezer because you needed to get that frozen pizza out for dinner.

On the plus side, a chest freezer generally costs less initially, usually is more energy efficient, and usually provides more actual freezer space for your dollar than uprights. But they can be a pain to search through when fully loaded. A super-frustrating, muttering-inducing search through a packed chest freezer is not fun. I’ve done it more than once, even after I thought I had clearly marked everything. More than once I’ve had my feet in the air while my numb fingers shuffled through frozen peas and beef roasts. It is a cold, brutal experience. In freezer space no one can hear you scream. Except for my wife who stands there behind me, hands on hips, laughing with delight.

And uprights still have some major advantages over chest freezers. As previously stated, they are easier to fill and subsequently find items that have been stored. You normally don’t need to rummage too much when trying to find that pork roast you bought in November. Plus, many uprights are available with auto defrost. Most chest freezers are manual defrost, and even though you only usually need to do it about once a year, defrosting one can be a tedious, hours-long task.

New or used? Sometimes you can save a bundle if you find a freezer second-hand. But consider this: How energy efficient is that older freezer? According to the government’s Energy Star website, Energy Star qualified freezers use 10% less energy than is required by federal standards. How much electricity will you spend on that gigantic freezer made 20 years ago that is the approximate size of that monolith from 2001: A Space Odyssey? You won’t know until you use it for a few months.

I have found that sometimes older freezers may be a good buy, but always remember that the life expectancy of one of these things is about 20 years. My suggestion is that if you want, go ahead and check for used, but realize that it may be nearly impossible to find, especially in these troubled economic times when everybody is trying to save money in whatever way they can. People usually don’t sell something that is saving them money right now.

Once you’ve checked and maybe exhausted the used freezer avenue, check out the new freezers. When buying new, here are the six things to remember:

1. Be sure to carefully measure the space where you want the freezer to go.

2. Check to make sure your electrical socket is close so that there is less likelihood of your freezer becoming inadvertently unplugged. My parents had an upright that the dog unplugged by accident (at least that’s what the dog said) when she lay down for a nap next to it and a few days later they ended up with about two hundred dollars worth of spoiled food.

3. Decide on your preference for chest or upright, and pick the size that is right for your household for maximum energy conservation. Try to find a freezer that is Energy Star qualified to get top energy efficiency for the size you need. Even if you decide on a freezer that doesn’t have the Energy Star qualified rating, check the yellow energy usage tag to see how much your estimated energy bill for a year will be so there are no surprises. If you decide to get a chest freezer, toss an old blanket over it to help insulate it even more. Easy to take off and replace, and may make a few dollars difference down the road in energy costs.

4. Remember that freezers come in both manual defrost and automatic defrost. Manual defrost is labor-intensive, and to maintain energy-efficiency, needs to be periodically addressed.

5. Keep a list of what you put in there to make it easier to keep track of. When packaging food for frozen storage, try to make sure you take out as much air as possible. The items will last longer with no freezer burn if you can take the air out of the packaging, so that may mean extra effort to repackage me
ats and poultry. Just don’t forget to use a permanent ink pen to mark what the item is and the date you put it in there.

6. Finally, one of the cheapest ways to buy a new freezer is online. If you decide to order a freezer online, remember that, unless the dealer offers free shipping, you may need to figure shipping charges in the price. Most dealer’s free shipping is usually to the curb at your address. Freezers can weigh well over two hundred pounds. Choose your shipping option well, and do it before you order. You can’t change your mind about the shipping after you order. I always strongly suggest that if you don’t have a couple strong backs in the household that you opt for White Glove Service. The shipper brings it into your household, and places it where you need it put. It costs more, but if you don’t get White Glove Service, don’t bother calling me. I’ve got a bad back, honest.

Follow these tips and you’ll save money-not only through these difficult economic times, but for years to come.

Best Way to Save Money on Groceries – One Woman's Secret

Let’s face it, with the way things are today with gas and grocery prices going up (and just about everything else) most of us are doing what we can to save money on groceries. I know you’ve heard it all; coupons, shop the sales, using rebates…but I have a simple technique that I have found is the best way to save money on groceries for my family. So no matter how much money you make, or how much you spend, anyone can save money!

First of all, all those tried and true grocery saving ideas really can work. But honestly, I don’t have the time. I do cut out the occasional coupon, and wish I had the time to work all the couponing angles, but I don’t. My secret to saving money happened accidentally as I was trying to become more organized to be able to run my online business from home more efficiently.

I make a weekly menu. That’s it, that’s the secret. I know, like I said, seems more like organization. But the fact is, when you make a menu each week, then develop your grocery list from that menu, you can save up to 30% on your grocery bill every week. If your grocery bill averages $100 a week, that’s $33 bucks, folks. That adds up to more than $1700 dollars a year. That’s a lot of money to be throwing away. And the savings are higher if your grocery bill tends to be higher than $100 a week, like mine.

The reason this works is that it eliminates impulse and unnecessary buying. The menu and list keeps you on track so you know everything you need. How many times have you bought a couple heads of lettuce and some tomatoes, thinking it would be great to have a salad “sometime this week” only to find them later in the frig, $9 worth of trash? We’ve all done it, sometimes so many times its embarrassing to admit!

Better still; use the weekly sales flyers to create your menu from discounted items. For instance, if round steak in on sale this week, make sure a couple of meals on your menu use round steak. Apples on special? Buy a bag and make apple pie for this weeks dessert. Getting it?

It really does work to save you money on groceries, and the side benefit is that you avoid those last minute (and unhealthy) trips through the drive through. Every morning you know what’s for dinner, so you can thaw your meat, or start your slow cooker without the guilt and expense unplanned meals can cause.

So try it. Get out a paper and make a menu for this week. (Or you can visit Women on the Net for free menu printables.) Create a shopping list from your menu. Feel free to interchange a meal here and there if you come across a good sale, but be sure to change it on your menu list. Now compare your grocery bill to the last few you’ve had. Pretty cool, eh? From a mom who has raised 5 kids and three stepkids, this is my secret for the best way to save money on groceries, and keep you on track at the same time!