Resolutions for saving money

[centsgirl]

In these bad economic times we all need to make a resolution to save money, here are some tips on doing just that:

1.Slash the incidentals.

2.Pay yourself first.

3.Decide where to put that ‘payment.’

4.Pay ahead on your mortgage.

5.Shed credit-card debt.

6.Say goodbye to late fees.

7.Take your last puff.

8.Max out your retirement savings.

9.Review your estate plan.

10.Analyze your workday expenses.

By doing these you could save yourself thousands of dollars a year, just think of what you could do with the extra money.

[moneysense]

Those are all great ways to save. In fact, if 2 people in your home smoke and are finally able to quit, the savings per year at a carton of cigarettes a week per person is right around $2500.

Credit cards arent even a necessity when you can right down to it. You can even rent cars on your banks debit card in most places. So those fees and payments could definitely be done away with.

Paying extra on your mortgage can slash a couple of years off the final payment. We try to send in extra money on our mortgage payments several times a year.

[centsgirl]

I try to follow all this advice I read about, but it is not easy, I do smoke, and have no plans on stopping, but keep others things slashed down to make up for it.