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Article from THE-RESUME
How to have more money at the end of the month
June, 16 2003
Even
if you have have plans for every possible freelancing question that
arises, surprises may come up, especially financial emergencies.
This can be scary, as you may not have a reserve cash fund, or indeed
any help at all. So how can you follow your dream, and have some
extra cash at the end of the month? Use the following tips, and
you just may find that being frugal is more fun than you thought.
Grocery
shopping
· Forget name brands. You pay for packaging and advertising,
and if you compare name brands, like Kraft, with the store brand,
you'll find that the ingredients are very similar, but the store
brand can be as much as $.20 cheaper.
· Buy in bulk. Obviously, this idea will only work for non-perishable
items, or in a case of a big family, items you know will be used
right away. You can buy in bulk at discount stores, like Costco,
or just buy the biggest package at a regular grocery store. Costco
memberships are about $40 per year, but you can get great deals,
like 30 pounds of cat litter for under $6. (At a regular grocery
store, seven pounds of cat litter go for about $3.)
· Forget coupons. Yes, I know this goes against everything
you've ever
heard, but in my experience, here's how it goes down. You go to
all the
trouble to sort through the ads, and clip coupons, adding 15 minutes
to your day. Then you have to remember to take the coupons to the
store, or at least a list of the great deals you are looking for,
if coupons aren't required. Then, after all that work, what do you
save? A couple bucks, at best. And don't forget, the store may not
even have the advertised item in stock, or you may not be able to
find coupons for the items you use.
· Look for the lowest price. Shop around initally to find
the grocery store that will give you the lowest price overall on
the items you buy, and then stay with that grocery store. Rushing
all around town to save a few bucks is probably not going to make
you feel very good, and the gas you use will make the savings a
wash. You can also do what my family does - we do most of our grocery
shopping at our regular grocery store, and then do our bulk shopping
(toliet paper and cat litter) at Costco.
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