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I recently had a friend share some great information with me about spending less money and I thought I'd pass it along to you. How often do you resolve to spend less? How often do you actually manage to spend less? 

We're constantly faced with opportunities to buy something - as we walk down the street, as we drive past stores, even at work with the vending machine nearby. And with online shopping, we can buy at any time of the day or night, with just a few mouse-clicks. 

If you're spending more than you want to, here are a few simple ways to cut your spending - without having to do any complicated budgeting, and without having to rely on willpower.
  • Leave Your Credit Card at Home - If you often find yourself spending more than you should when you're out shopping, then leave your credit card at home. Take cash, or a debit card: that way, you can only spend what you actually have.

  • Record What You Spend - Keeping a spending diary can help you save. If you have to write down that bottle of cola and candy bar, you're more likely to resist buying them. A spending diary will also highlight patterns: any areas where you're spending more than you realize, and where you might be able to cut down.

  • Try the Store Brands - If you normally buy only brand name products, try the store's brand instead. You might be pleasantly surprised - most of the time there's little or no difference in quality.
Take these few tips to mind and even try coming up with some of your own to help you save on daily basis!
Posted 2:56 PM  View Comments

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