| Saving more than a couple of thousand dollars is not | | | | gold scraps, sell it. But do not mail it across. It is |
| as difficult as it sounds. I am not going to harangue | | | | better to sell it at the neighboring jewelry shop. You |
| you on "you can do it", or "importance of saving", or | | | | can earn some amount here. |
| "why not saving can kill you before the world ends in | | | | 6. Chopped and shredded vegetables, cheese, and |
| 2012." No. Nothing like this. Here are few suggestions | | | | fruits cost much more than the un-chopped, fresh |
| on how you can actually save few dollars, if not | | | | ones. Instead of spending more, you can get the |
| couple of thousands, next year. | | | | fresh ones and slice it at home. Doing this for a year |
| 1. Calculate the amount of money you spend buying | | | | can help you to save $250. Isn't it worth a try? |
| kitchen paper. It may not be quite substantial, but | | | | 7. Stop going to the gym and find a way to exercise |
| why waste money on these papers when you can | | | | free of cost. If the only reason you go to gym is |
| replace them with cloth napkins. Spending even a | | | | losing weight, there are numerous ways to do it |
| dollar on disposable papers seems to be a waste. Buy | | | | without a gym. By doing this you can save as much |
| a cloth that can be washed and reused. You can | | | | as $420 in a year. Till now, this is the biggest |
| save approximately $85 a year. | | | | contributor to your saving. |
| 2. If your family comprises of you and your spouse, | | | | 8. Get rid of your printer. Okay, may be that's not |
| both working, why spend so much on cable. Unplug it | | | | possible, you can at least promise yourself not to |
| and save anywhere round $600 per year. | | | | print unless necessary. Ink cartridges, color or black |
| 3. Digital camera is perhaps the only device where we | | | | & white, can burn a hole in your pocket. I have |
| use batteries. If you use it a lot, switch to | | | | to replace the cartridge once a year. However, it still |
| rechargeable batteries. Doing this will save not much, | | | | costs me around $80 to $100. |
| maybe $24. But every penny saved in this kind of | | | | Remember these points while preparing a budget for |
| economy is 3 pennies earned. | | | | 2010. These are just 8 examples of saving money. |
| 4. Why do we need a landline when all the family | | | | We, together, can come up with probably hundreds |
| members own a mobile phone? I have disconnected | | | | of them, and imagine the amount we could save. If |
| it and I sometimes use Skype instead of landline, and | | | | you have any such suggestion, please comment and |
| mobile most of the times. | | | | suggest, for me, for all the readers. Let's derive the |
| 5. If you are still left with any gold after, after the | | | | most comprehensive and precise personal finance |
| "sell gold" advertisements, sell it off. Even if it is small | | | | money management guide for 2010. |