397 Ways to Save Money: Spend Smarter & Live Well on Less by Kerry K. Taylor

By Kerry K. Taylor

Want to save lots of hundreds of thousands with out feeling like you’re slicing corners? locate the hidden money on your day-by-day exercises? stay fortunately on a smaller budget?

With advice, methods and concepts that variety from long term discounts to rapid profit your pocket, 397 how you can store Money makes residing inside the cheap easy—and even enjoyable. Written by means of a typical Canadian whose frugal methods have stored her hundreds of thousands, this available advisor deals saving savvy that you simply don’t have to be a monetary planner to appreciate. via taking a look in each nook of each room in your home, from the kitchen to the closet, and through contemplating the wishes of each member of your loved ones, out of your infant for your puppy, 397 how you can store Money may also help you discover hundreds of thousands of greenbacks in discount rates with no altering your lifestyle.

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I was excited to be saving for my retirement early on and looked forward to the income tax breaks for contributing a fair chunk of my salary. Back then I happily handed my money over to a financial adviser who invested my retirement contributions in mutual funds. But after watching my portfolio consistently (and significantly) lag the financial indexes, I took a closer look at my investments. I quickly discovered the impact that fees called management expense ratios (MERs) and loads could have on my retirement savings.

As I built a budget, paid off debts and cut variable spending, it became easier to save $100 to $250 a month. My thought is it’s better to save a little than to save nothing at all. A simple system to boost savings is to automatically move your money to an accessible (but not too accessible) high-interest savings account earmarked for emergencies. You will earn a little interest as your fund grows. How much stashed cash do you need? This is a hard question to answer. A financial adviser once suggested I keep $3,000, while a savvy financial friend believed three to six months’ worth of living expenses would keep me safe.

Having a good rental record with excellent references can also bolster your bid for a break on monthly rent. But keep your eye on yearly rent increases as well and negotiate to keep your rent in line at the end of the lease if you want to stay. Being a clean, quiet and prompt-paying tenant may help convince a landlord to freeze rent rather than risk an empty unit or an unknown new tenant. BOTTOM LINE: Don’t let increasing rents deter you from asking for a discount—even $15 a month adds up to an extra $180 in your pocket at the end of the year (enough to cover more than a week’s worth of groceries).

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