ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

How To Help Your Wallet and Avoid That Ellipctical Gym machine

Updated on September 22, 2012

How can we save money on an everyday basis? Here are some extra tips that won't hurt anyone. Hopefully you can cut costs without clipping your lifestyle and improve it. Here are some smart saving tips that will deliver greater health and thorough happiness along with your economy.


Make Most Meals at Home

Preparing your own meals can save you tons. 5 Big Macs meals could cost a family of five 35 dollars, just to get over with lunch, but what about Dinner? Just think of the wonders you can save around that waistline as well. Financial planner honchos from Derrick Kinney and associates estimates that a single person waste:

$2 for that coffee to wake you up completely

$5 to $10 for that lunch

$2 for the snacks at the vending machine

$10 to $20 for dinner

Add the free bonus of sodium, bad fats and sugar. So in the end your wallet and your health are at stake.

A family experience at the kitchen is extremely rewarding and the connection can last for years to come. "I remember when my mom used to..."



Yep! Drop that Gym Membership

Joining that Gym at the end of the year may seem like a great investment, but just think about it. The catchy add that got you involved, was made by financial consultants along with media specialists. The need is created (instilled) by these great athletes and Gym owners. Average monthly plans might range from $40 TO $70 and barely or rarely goes unused. Researchers from Stanford and U.C. Berkeley discovered that the average member start dropping the frequency and routines at the gym. Some look for silly excuses that make no sense at all. At the end, the 'average Joe' will show up 5 times in a month. So your $19,99 try-out membership went down the drain. We obviously left aside that personal trainer... unless you are 'Beyonce' or 'JLo'

Instead of shelling out that green cash to rush to that gym and fight over elliptical machines toss that great deal of a membership and use easier alternatives. A daily 30 minutes walk burns 55 to 200 calories, depending on your pace and commitment. Local libraries are full of resourceful DVD's Even online you can follow some well know trainers through YouTube or dedicated websites.



Consider Switching to Natural Cleaning Products

Believe it or not white vinegar and baking soda can make wonders when it comes to clean that bathroom. The fizzy combination helps to scrub that grime off bathroom and kitchen surfaces and even unclog drains. If grandma did it, why not us?

Household cleaners average cost can go from $ 5 to $7 at you local Depot. Not only that; breathing in harsh chemicals compounds like ammonia and chlorine can lead to nose and throat irritation ans severe headaches. Seems that doctors avoid these tips in order to keep their practice and their pockets at safe levels.

Vinegar by itself is an excellent glass cleaner, and baking soda can be a substitute for expensive fabric softeners. Going natural, or greener can make a difference in your family health, the environment and your pocket.




Limit Alcohol and Sweet Drinks

This is a budget buster. Some families are traditional drinkers and we don't blame them. Alcohol and sweet drinks put a great strain on our health and our economy. Our average citizen drinks 1,000 pints of beer each year according to the World Health Organization, which is already above health recommendations stated by our CDC (Center for Disease Control and Prevention) If a male goes over two drinks a day,(and a woman that single drink) He/she is unknowingly endangering his/her life: Breast cancer, colon cancer and high blood pressure skyrockets according to Dr. Ann Kulze.

Drinking socially adds up quickly. If you just buy two drinks on a weekend at your local bar, you are talking about adding 29,000 calories on yourself annually. The price tag can range from $800 to $1200 aside from gas, toll and maybe parking expenses. We know some folks are entitled to a rewarding drink with a nice date, and we are not pushing the matter on anyone. Drink and drive cannot go hand in hand, and we cannot stop emphasizing in the risks associated with heavy drinking. Why do you have to pay more for sweet beverages and toxic alcohols? Seems that the beverage and drinking industry want a share of your 401k and your IRA. Some companies (and Hospitals) are making money on overweight citizens and their health issues, and we don't have Captain America or Batman to save us from evil. Superman has just left the office.



Keep Your Car In Good Shape

Avoid getting stuck on a Highway and check your oil regularly. Save on gas by checking those tire pressures. 75 cents every two weeks, will save you those extra 10 bucks. Local car supplies can recharge your battery while you get that wrench for a house project. Batteries can last around five year, so just be on the safe side.

Do not get gas from twelve noon to 5 p.m. part of it will evaporate before use. Sooner or later that alternator will give up on you. So we recommend you to watch videos on how to change them yourself. Most mechanics will fix your car for the 3 months average. They studied hard at that 'L-Tech' and might need you to help them to pay their loan without asking you. Just watch for that screw driver that quickly will be inserted on a strategic corner on your radiator. We know them so well.



Convert to A Biweekly Mortgage Payment

Money expert Farnoosh Torabi claims that one of the simplest ways to save tens of thousands in the long run is to pay your mortgage every two weeks rather than just once a month. That insignificant change reduces the principal faster and consequently adds one extra payment each year. Loaners get their investment fast and reinvest it again. This puts you ahead as a financial role model. Finally, the savings can be reinvest into the health and happiness of your loved ones.


Submit a Comment

  • Lord De Cross profile image

    Joseph De Cross 5 years ago

    CaROLL7777, Wether people read this hub or not, is a personal choice. We try to cover different subjects in our hubs. You have a nice one and thanks from the bottom of our hearts for the follow!

    @SgBrown, I think intelligently you follow common sense in expending. Your emergency savings are a wonderful idea. Not so easy for some to follow, because they were raised to keep a status. Thanks again for leaving a thought provoking commenting.

  • sgbrown profile image

    Sheila Brown 5 years ago from Southern Oklahoma

    You have some great advice here! I guess I have been frugal all my life. I have always had a budget and try to leave $300 to $500 a month freed up. This has allowed me to have money for emergencies in a savings account and pay cash for many things that most people make monthly payments and interest on.

    I don't buy new vehicles, a year or two old saves a ton of money! I do my own nails and I do not use credit cards. When we had kids at home we would eat out only once a week, but now it is just the two of us so twice a week now.

    Great hub, with lots of good advice. Voted up and very useful!

  • carol7777 profile image

    carol stanley 5 years ago from Arizona

    We do most of that glad to say. I wish more people would read this hub and follow your great advice. Some of us have to be hit over the head a gazillion times. Thanks for a great hub. Voting up and sharing.

  • Lord De Cross profile image

    Joseph De Cross 5 years ago

    Lisa! Dear! Thanks for checking on this oldie. Certainly, trying to save money is always great news! I appreciate your feedback!

  • Rusticliving profile image

    Elizabeth Rayen 5 years ago from California

    Hi Lord! This is such a great hub. I think if more people paid attention to their expenditures, they would realize where their money goes and just how much they could actually save. Thank God we have reminders, tips and suggestions from people like yourself who can help us "see the light"

    Thumbs up and definitely shared! Fabulous!!! Lisa

  • Lord De Cross profile image

    Joseph De Cross 5 years ago

    Morning Cardisa,

    Yeah! saving money with extra tips cannot and won't harm anyone. Hope you are doing better. I know how it can be down there(Caribbe). Thanks for stopping by!

  • Cardisa profile image

    Carolee Samuda 5 years ago from Jamaica

    I haven't neglected you, just been under the weather so haven't been reading much hubs. Just realized you published a bunch of stuff during the past week.

    Another great way to save both in the wallet and health is to quit smoking. Cigarette kills not only the smoker but those inhaling second hand smoke.

  • Lord De Cross profile image

    Joseph De Cross 5 years ago

    Christy Writes, is just common sense. People that work all day might need help from those Chain restaurants, but in the long run is not really a good move. Thanks for leaving a thoughtful comment.

    @AudreyHowitt, is much better to check with a mortgage representative and avoid headaches. They rather have you on the monthly payment, this way they make more money.

    @AlicefSpencer, you know betterspending 20 bucks a day times 30 would make up for a car payment and extra cash. You are on the right track!

    @Melanie, we don't see it right away until we ponder and see it in others. Vinegar was even used before listerine, and it make wonders in the House.

    @Millionarie Tips, you are the guru of savings through your hub tips. Thank you for reading us!


    Thanks for the votes and we appreciate your thoughts and comments


  • whonunuwho profile image

    whonunuwho 5 years ago from United States

    Very good hub. Thanks.

  • Millionaire Tips profile image

    Shasta Matova 5 years ago from USA

    These are all great ideas, and I am happy to say that I have used most of them.

  • MelChi profile image

    Melanie Chisnall 5 years ago from Cape Town, South Africa

    This is fantastic and great information! Vinegar for cleaning works wonders, I've tried it and 100% agree. I never thought about the gym membership like that. I took mine out last year around this time, and barely go anymore. Not because I'm lazy, but due to us recently sharing a car, etc. I think I'm going to invest in a really good workout DVD and start working out at home. I've started jogging on the beach every Sunday - MUCH better than jogging in a packed gym with loud music. Thanks for sharing these tips! Voted up, awesome, interesting, useful and sharing :)

  • AliceFSpencer profile image

    AliceFSpencer 5 years ago from Texas

    Packing my lunch is my new goal because going out to eat can really add up !! great read and great tips

  • AudreyHowitt profile image

    Audrey Howitt 5 years ago from California

    Very useful tips! Especially paying your mortgage every 2 weeks instead of waiting month--it would seem, I would need to get a 2week head start in order to avoid the late fee though--

  • ChristyWrites profile image

    Christy Birmingham 5 years ago from British Columbia, Canada

    Making meals from scratch is a great tip and I agree it saves money. Add up those cents here and there!

  • Lord De Cross profile image

    Joseph De Cross 5 years ago

    A pleasure Mike! still amazed by the waterworld of a hub. We excercise ourselves and no string attachs with those gyms. Have a great evening, and thanks!


  • molometer profile image

    molometer 5 years ago from United Kingdom

    Such sound advice as always Lord.

    Always good to find new ways on how to help your wallet and our health.

    I like the no gym one best. In all the years I had a membership I rarely used it like most people.

    Votes up and sharing.

  • Lord De Cross profile image

    Joseph De Cross 5 years ago

    That was funny Mhatter99. Gladd to see you around!

    Your comments are always welcome.


  • Mhatter99 profile image

    Martin Kloess 5 years ago from San Francisco

    believe it; discovered this when reading a baby food label.

  • RealHousewife profile image

    Kelly Umphenour 5 years ago from St. Louis, MO

    Hi Lord!! Hey great ways to save money! I do a few of them - like preparing meals at home. I've not been as good lately but I really can cook just about anything as well as any chef. I cook a ton and enjoy it anyhow.

    I refuse to pay a gym membership. I mean you can work out anywhere! Some people like it for motivation so whatever works but for me - an expense to be avoided.

    As a girl - I also do my own nails. That is an expense I refuse to afford. Some girls pay like 4o bucks min a week for a mani/pedi! That's a retirement fund! Omg!

    Great hub! Voted and shared!