Steps To Save Money Everyday & Sooner Experience Financial Freedom In USA.

Dear Friend,

Saving money doesn't have to be a numbers game; anyone

can accomplish it with proper planning and discipline.

Instead of putting off the practice until you reach

certain milestones like that next raise, make saving a

priority every day to secure your financial future and

financial freedom you dream of . Follow these money-

management tips and secrets in your daily life to watch

the savings add up.

Build a Money-Management System

It's easy to blow through your paycheck if there's no

rhyme or reason to your spending. Creating a systematic

approach to everyday spending and saving through these

tips can stretch your dollars further.

Evaluate your spending before building a budget. Document

what you buy, where, and in which spending category for

30 days to gauge your spending habits. This approach will

ensure that your budget is rooted in reality.

Set a monthly budget.

Use budget spreadsheets, software, or old-fashioned pen

and paper to plan incoming deposits and outgoing

expenses. Once you have established a budget, exercise

the discipline needed to stick to it.

Track your spending on an ongoing basis. Schedule a time

and day each week to compare your actual spending against

your budget to avoid overspending and realize

opportunities to save any extra incoming deposits.

Pay for day-to-day expenses with cash. Evaluate your

budget and determine spending categories you can switch

to cash-only payments (for example, entertainment or

dining). Whereas credit card payments can tempt you to

make impulse buys, cash helps you stick to your budget

because you can't spend any money you don't have.

Pay Down Your Debts

Whether it's a sky-high credit card balance or a bank

loan, debt can eat into your cash reserves and make it

more difficult to keep up with day-to-day expenses and

save. These debt-management tips encourage you to pay off

what you owe so that you can keep more of what you earn

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Set debt-payoff deadlines.Mapping your debt-payoff goals

with amounts and a timeline can help you track your

progress, remain accountable for actually paying off the

debt, and visualize how good it will feel to make that

final debt payment.

Considering refinancing your home loan. If you own a

home, try to lower your monthly payments by refinancing

your mortgage at a lower interest rate.

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HOME SAVINGS TIPS

1. Comparison shop for homeowners insurance. Before

renewing your existing homeowners insurance policy each

year, check out the rates of competing companies.

2. Refinance your mortgage. Explore if you have the

option to refinance your mortgage to a lower interest

rate. On a 15-year $100,000 fixed-rate mortgage, lowering

the rate from 7 percent to 6.5 percent can save you more

than $5,000 in interest charges over the life of the

loan. And, you will accumulate home equity more rapidly,

thus increasing your ability to cover those pesky

unexpected home repairs.

 3. Audit your home energy use. Ask your local electric

or gas utility for a free or low-cost home energy audit.

The audit may reveal inexpensive ways to reduce home

heating and cooling costs by hundreds of dollars a year.

Keep in mind that a payback period of less than three

years, or even five years, usually will save you lots of

money in the long-term. For more home energy savings

tips, check out this blog post.

 4. Weatherproof your home. Caulk holes and cracks that

let warm air escape in the winter and cold air escape in

the summer. Your local hardware store has materials, and

quite possibly useful advice, about inexpensively

stopping unwanted heat or cooling loss.

5. Keep the sun out. Keep your blinds or curtains closed

during hot summer days. Blocking the sunlight really does

help to keep your house cooler.

6. Use less water. Install low-flow shower-heads and

faucet aerators to reduce your water usage and water

costs.

7. Cut laundry detergent use in half. Many laundry

detergents on the market sold today are highly

concentrated. Be sure to use the smallest suggested

amount. Making laundry detergent is said to be relatively

cheap and easy, especially if you prefer to use greener,

natural products.

8. Go natural. Speaking of making your laundry detergent,

using everyday items you already have around your home to

clean works for many. You’d be surprised what you can do

with vinegar and lemon!

9. Lower the temperature on your water heater to 120

degrees. For every 10 degree reduction in temperature,

you can save up to 5 percent on water heating costs.

10. Ditch the paper: Cutting out paper towels and using

cloths and napkins that you can simply wash and reuse is

a simple way to save.

11. Become a Coupon King or Queen. We all know that

couponing can save you lots of dough! Even simply

couponing for those essential household staples like

toilet paper and cleaning supplies can add up quickly

(and so will your stockpile!)

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Your Financial Friend,

Johnson