Some New Year’s Saving Resolutions for 2013

With every New Year come new resolutions.  This year, do yourself and your finances a favor and skip the usual diet and exercise resolutions and resolve to do something about saving more money.  Below are some Tips to help you do just that.

Using Rebate Sites when you shop online is a great way to earn a little cash back and even some gift cards.  Yes, it’s only about 1 to 2% but hey, it’s free money.  The best site on the web right now for rebates is Ebates and if you sign up with them and spend $20.00 on any single transaction you’ll get a $10.00 gift card.

Speaking of rebate sites you should continue in 2013 to use any money saving site online that you can and also continue to use coupons as much as possible.  Even a $15.00 a week savings from these 2 will add up to almost $800.00 in savings over the course of the year, and that’s not chump change.

Remember that, even though something is on sale, if you don’t need it and you buy it anyway you haven’t ‘saved’ money you’ve actually spent money and on something you really don’t need.  This is what we humans call ‘wasting money’. If you need it and it’s on sale then by all means go for it but if you don’t actually need it, don’t buy it.

Use a set cash limit for your daily needs like groceries, toiletries and eating out and don’t spend anything else.  Yes, this flies in the face of using plastic and earning ‘rewards’ but it’s the best way to keep track of your spending and stay on a budget.  If you set aside $100.00 a week and you know you can’t spend more than that you will watch what you buy, guaranteed.

Download an app on your phone that you can use to price match items when you shop, whether online or in the real world. (There are lots of them on iTunes and Google Market.) Many stores do ‘price matching’ these days and, if you can get the price matched and be able to buy everything at 1 store, you’ll not only save money on the products but also in gas and time because you won’t have to drive all over town for the best prices.

That’s 5 excellent Resolutions right there.  Use them, save money, and thank us later.

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