10 Ways to Save $50 Per Month: The Art of Pinching a Penny Until It Screams

1. Save up to 50% per month on convenience cleaner cloths by cutting them into half, i.e. dryer softener cloths, face cleanser cloths, etc.

Savings: $5 per month

2. Find more thoughtful gifts and buy when the item is on sale, shop for birthdays and holidays throughout the year not at the time of the events.

Savings: $10 per month

3. Bring your lunch to work once a week instead of eating out.

Savings: $7 x 4 weeks = $28 per month

4. Don't go to the coffee shop on the weekends.

Savings: 2 visits @ $2 = $4 per week x 4 weeks = $16 per month

5. If you carry a balance on your credit card, and you're only able to afford paying the minimum monthly amount, pay weekly installments instead of one monthly payment. For example, if you owe $100 per month, pay $25 per week. Because credit card companies accrue interest daily on your balance, paying only once a month is a huge detriment to your fiscal health.

Savings: $10 - $100 per month (or more!)

6. Instead of a family night out, consider having an old fashion picnic together or a bike ride. Curbing entertainment costs doesn't mean curbing the fun.

Savings: $25+ per month

7. Spend a day cooking meals that can be frozen for later use for your family. Once a Month Cooking, a book by Mary Beth Lagerborg and Mimi Wilson, features grocery lists and recipes to prepare and freeze a month's worth of food for you and your family. Not only are you able to purchase the food in bulk, this method prevents having to throw away any spoiled food.

Savings: $50+ per month

8. If you are a regular monthly book buyer, stop the habit and visit your library instead! If you insist on buying books, buy it used at your local store or online at merchants such as www.half.com or www.amazon.com. Even a better idea, how about selling the books you have that you don't need!

Savings: $5 - 15 per month

9. Use less expensive gasoline. If you live in North America and have Internet access, you are able to search for the cheapest gas price in your neighborhood with Gas Buddy, www.gasbuddy.com.

Savings: $5 - 15 per month

10. Use two-for-one coupons when dining out; search for these in local newspapers, flyers, and in your "junk mail." If you are a group of four or more people, consider buying dining certificates at Restaurant.com, www.restaurant.com. After choosing your city and state on the Website, you will be presented with a listing of restaurants vying for your dining dollar!

Savings: $5- $50 per month

About The Author

Kimberly A. Griffiths

This is an excerpt from ONE PAYCHECK AT A TIME, OnePaycheckataTime.com, by Kimberly A. Griffiths, ISBN: 1591133327. ONE PAYCHECK AT A TIME, a 200 page workbook, contains budget management exercises for an entire year of paychecks. The author, Kimberly A. Griffiths, has been through the vicious cycle of debt herself, and provides a no-nonsense system to managing your money paycheck to paycheck. You customize the journal based on your pay schedule and learn the necessary tools for making ends meet. kimberlygriffiths@onepaycheckatatime.com

---

Top 7 Ways To Get Rich

Want to be one of the lucky ones on the... Read More

Personal Budget Programs

Do you have financial problems? Then a budget is the... Read More

Anthony Robbins 12 Reasons Why People Dont Get Wealthy

According to Wallace Wattles, in his popular wealth treatise called... Read More

Building Wealth: Its An Inside Job ? Part 1

Whenever we read about building wealth or even attend a... Read More

Asset Diversification Is NOT Boring?And Will Make You Money

OK, this article will start with the cheapest piece of... Read More

What Do You Mean By Diversity?

The word 'diversity' is a unique one. It can represent... Read More

My Ambitious Niche - A Completely NEW Way To Find Ambitious Wealth

Turn to the year 1999, a couple of friends sitting... Read More

Top 10 Secrets of Getting Rich!

As many people have observed, "Success leaves clues." If you... Read More

Create Tax Savings And Transfer Wealth To Your Child With A Roth IRA

Parents must give serious thought to protecting their family through... Read More

7 Wonders of the Offshore World

Many people assume that the offshore world is accessible only... Read More

The Truth About Setting Up A Wealth-Pump Business: The Passive Income Myth Exposed

In theory the idea of generating additional (and passive) business... Read More

It Adds Up

Loose change that is, if you want a easy way... Read More

Online Retirement Opportunity: Freelance Copywriting

For most of us, the idea of retiring simply on... Read More

3 Simple Ways to Generate Cash Flow

This article focuses on generating cash as a full time... Read More

Why You Need To Buy and Sell Gold Coins (Part 4)

Top Investment PerformanceThroughout history, many coin collections have produced substantial... Read More

Re-discovering the Fundamentals of Financial Planning

To lose weight in the 80's, we went on low-calorie... Read More

Financial Planning For Singles

Financial planning often gets a bad rap. Part of the... Read More

Pay Yourself First - If the Only Thing You Did Was This, Youd be Rich

Bottom line. No exaggeration. No hype. If you want to... Read More

Building Blocks of a Financial Foundation

You can't build a house from the roof down, and... Read More

Why Get Rich When You Can Be Wealthy?

"Any fool can rich, the wise get wealthy." Chris WidenerGetting... Read More

Money Mastery

Money can be your servant or it can be your... Read More

Net Worth Nympho

There are plenty of people who are in love with... Read More

You?re Eating Your Retirement Money

Ever think about how eating all those fast food meals... Read More

Get Rich Slowly

Is it hard to get rich? If you're young, not... Read More

10 Wisdom-Based Wealth-Building Strategies

"It's the business of your life?and you're the CEO!" Gala... Read More

The Three Step Plan To Prosperity

You have $100 in your bank account, your rent is... Read More

Rich or Poor - Get the Knowledge

Most people work hard all their lives only to "retire"... Read More

Increasing Your Wealth by Increasing Your Financial Literacy

Perhaps the primary message of Rich Dad, Poor Dad is... Read More

The Wealthy Mindset

What is the difference between wealthy people and poor (even... Read More

Your Wealth Cycle Foundation

The four main steps in building a wealth cycle foundation... Read More

A New Paradigm Shift In Earthly Wealth

Hello,If you dont understand this yet, or have not heard... Read More

Get Rich Doing What Others Dont

"The quickest way to wealthThat I've found to be true;Is... Read More

Personal Finance Rules to Building Wealth

Key 1 Pay your self firstkey 2 Saving is not... Read More