Best answer:

Answer by lookin 4 love in the wrong place
Pay yourself first. It’s easiest if you have direct deposit, but you can do it at the bank when you cash your check too. Each time you get paid, instantly transfer or deposit some of your pay into a savings account that’s linked to your checking account. You’re going for the principle known as “out of sight, out of mind.” If you put it “away” before you ever get a chance to spend it, you’re much more likely to leave it in the account. Start small so you don’t “feel” it, then once you realize it works, increase the amount a little more, and then a little more, til you can put away as much as you can afford.

Another way is what I call “the rule of thirds.” Every time I get a lump sum of money for any reason, or some unexpected money, I divide it into thirds. I spend one third now, so I get to enjoy it. I use one third to pay down any older debt or to boost my mortgage payment, and I put one third in that savings account. In this way I get to satisfy all three of my money “needs” at least partially.

Add your own answer in the comments!

Q&A: What are your tips for saving money? is a post from: Free Thrift

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Best answer:

Answer by Randall Parker, MBA
It is very hard to give specific advice without having access to the full story, and all of your mother’s financial information, as well as knowing her personal goals, dreams, and responsibilities.

At this point, she needs to save every dime possible, if she wants any chance of retiring at a fairly young age. The first step in this process is to drive her expenses to the absolute minimum. I don’t mean that she has to eat Top Ramen for the rest of her life, but she should do her best to minimize her fixed expenses, in order to be able to save the maximum amount of money possible. You will need to be careful on your method and manner of saving/investing this money, since she has a short time horizon, but a need for fast growth. This can be a challenge, because she is not really in a position to take huge risks, but she needs an above-average return.

You should speak to a financial planner in your area. If you want more specific advice, please provide more information.

I wish you and her the best of luck!

Add your own answer in the comments!

Q&A: My mother is 52, with little savings. What advice can I give her to invest for retirement? is a post from: Free Thrift

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When saving money to buy a car, it’s important to keep within a budget and to save extra money beyond the initial goal. Save for a down payment to get a new car quicker with help from a registered financial consultant in this free video on saving money to buy a car. Expert: Patrick Munro Contact: www.northstarnavigator.com Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace. Filmmaker: Reel Media LLC
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Scotty Kilmer, mechanic for the last 42 years, shows how you can save big money buying used car parts at a salvage yard. Visit Scottykilmer.com for free answers to ALL your car questions.

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lush USA: www.lushusa.com lush UK: www.lush.co.uk About Ordering on UK site: -Fast shipping -cheaper depending on the currency exchange rate -prices listed on the site include a tax called VAT, this will be removed for non-UK residents, so you actually pay even less -depending on your credit card company/bank you may be charged a currency conversion fee, i was charged .05 -scents/texture my differ between UK items and US items items shown: (prices in £ are after VAT is removed and $ is based on current exchange rates) Lush Reusable tote bag £3.04 = .46 After 8:30 massage bar x2 (retro, online only) £2.98 = .37 *free massage bar tin Buffy Body butter £4.21 = .18 You Snap the Whip body butter £4.21 = .18 *free body butter tin Rub Rub Rub shower scrub £2.51 = .68 Ocean salt face and body scrub £5.06 = .42 smitten hand lotion £5.06 = .42 Volcano Foot mask £5.91 = .67 Pineapple Grunt soap (retro, online only) £1.28 = .88 Chox Away soap (UK only) £2.51 = .68 Shipping: £7.95 = .66
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You know you made yourself a promise to to do better both physically and financially this year. Well, we’ve got some tips to beef up that bank account.
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How To Save Money And Conserve Gas! “The Cheap Person’s Way To Making The Most Out Of The Fuel In Your Tank”

Who are they trying to con?

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Save thousands of dollars while living well with The Best of Living Cheap News, a collection of the very best money-saving articles, tips, and advice from the Living Cheap News newsletter. Since its debut in 1992, the newsletter has provided its readers with hundreds of proven, practical ways to enjoy a comfortable lifestyle for a fraction of what one would think possible. Line art throughout.

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You have probably read articles on how to save money on groceries. They tell you to have a list and sticking to it, use coupons, go to discount membership stores (like Sam’s Club), shop sales and stock up when things are cheap. All of this works, but there are less common ways too. Here a few of them.

Store Loyalty Cards

The “loyalty cards” many grocery stores promote give members special prices on various items. That much you know, and it does save you money on your groceries. But it can cost you money and privacy at some stores. Some grocery chains have been selling your purchasing information. Health insurance companies have been some of the buyers.

What does this mean? You might not smoke, but suppose you buy cigarettes for your friend or neighbor. If they are bought using a card with your name on it, you might pay more for insurance as a result. No matter what information you put on the application, the card still works, so be John or Jane Doe. At least put your middle name as your first, or use a different spelling.

Once you have a membership card, keep it in your wallet or purse so you don’t forget it. Depending on what you buy, you can get 10% or more off your total bill, and sometimes they have particularly good deals for members, so you can stock up on something you use regularly. Some cards are also good for a discount off each gallon of gasoline at many stations.

Forget The Coupons

Coupons sometimes work, but they are almost always for the name-brand products. Name-brand saltine crackers cost .29 as I write this, while it was just .29 for the store brand we just bought. A 50-cent coupon still leaves the expensive ones twice as expensive. Often the same crackers are in different boxes, with a store label for one and a brand label for the other, so experiment to see if the quality is the equal (the .69 ones we tried were terrible, while the .29 ones taste great).

Coupons rarely save you enough money to make a product cheaper than other brands that are available. An exception is some pharmacies that carry groceries and have really good coupon deals. They’re willing to lose money on certain products to draw customers into the store. When they have half-priced olives, nuts or canned goods, stock up.

Watch For Mistakes

Mistakes ringing up your order are common and almost never in your favor. The most common reason is sale prices that were never entered into the computer system. Keep an eye on that register, and have any mistakes corrected on the spot. Otherwise, you might spend three dollars in gas to go get your two dollars back later that day.

Don’t Bring Children

Teaching your children to be smart shoppers is a great idea, but most of the time they should be left home. They grab things and beg. Perhaps you give in to their demands less than most parents, but why torture them and make shopping more stressful for you? It’s almost certain that you’ll save money on groceries if you don’t bring the children.

Pay Attention To Unit Prices

Check the price-per-unit tags to find the best deals on each item. Larger sizes were typically cheaper per-ounce in the past, but this is changing. Many grocery stores now have the larger items at a higher per-unit price – possibly an attempt to trick you. Do the math.

Eat Before You Shop

Perhaps the easiest way how to save money on groceries is to eat before you go to the grocery store. Not only will you buy less than if you are hungry, but you’ll probably buy healthier foods as well.

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What is money? How is it created? outsidethebluepillcave.blogspot.com Summary of 9/11 scepticism: outsidethebluepillcave.blogspot.com #1 For a full list of doubters: patriotsquestion911.com Military leaders questioning the OCT: georgewashington.blogspot.com CIA veterans doubting: www.opednews.com Engineers & architects doubting: www.ae911truth.org Physicists doubting: physics911.net Pilots doubting: www.pilotsfor911truth.org High-level officials doubting: 911proof.com In arecent Zogby International poll (September 06, 2007): 51% of Americans want Congress to probe Bush/Cheney regarding 9/11 attacks; over 30% seek immediate impeachment; 67% fault 9/11 Commission for not investigating anomalous collapse of World Trade Center 7 911truth.org Protest in Brussels for 911 Truth (09 Sep 2007): www.youtube.com #2 But surely this could not have happened, I mean, governments would not actually resort to terror attacks to advance their interests. Would they? Unfortunately, yes they would. Actually, they have a history of doing so. Operation Ajax: From the archives of the New York Times, the British and US involvement in overthrowing Mossadegh in Iran: www.nytimes.com Operation Northwoods: Operation Northwoods was a 1962 plan by the US Department of Defense to enact acts of terrorism and violence on US soil or against US interests, blamed on Cuba, in order to generate US public support for military action against the Cuban government of Fidel Castro. en.wikipedia.org Operation Gladio …
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Quick and easy way to purchase silver: silversnowball.com Paul Grignon’s 47-minute animated presentation of “Money as Debt” tells in very simple and effective graphic terms what money is and how it is being created. It is an entertaining way to get the message out. The Cowichan Citizens Coalition and its “Duncan Initiative” received high praise from those who previewed it. I recommend it as a painless but hard-hitting educational tool and encourage the widest distribution and use by all groups concerned with the present unsustainable monetary system in Canada and the United States.

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