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How To Save Money - Saving Maximum Amount

Updated on August 29, 2012

There are some easy practical ways to save money big time with accompanying behavioral change. I have written extensive articles about personal finance but the things I will discuss here needed some elaboration. I have listed here some of the things we need to consider to save money for personal savings. We often don’t realize that small spending can save us big time at the end of the year, but it is time we have to think about these practical tips on saving money big time because if you count the money you save at the end of the year you will be surprised how big it would be.


Don't succumb to impulse buying

Most of the times, our budget becomes off because when we go to the mall, if we want something, we are tempted to buy it without thinking of the price, and then when you go home that's the time you usually realize the implication of what you did. Most of the times, the things we buy on impulse are not necessary ones. They are just luxuries and we can live without them because we still have lots of these items like pair of shoes, clothing. apparel etc. We should be contented with minimum supplies of personal care items like lipstick, shampoos, body wash etc. Sometimes also, when we go to mall, we just buy things because we are usually experimenting on them, like lotion etc. And when we go home and don't like the smell for example of what we bought, we will not use it again.

Minimize eating out and buying foods take out style. It is expensive and not nutritious too.

Sometimes when we are hungry, even if we know that we still have some foods left at the refrigerator we go on eating spree, buy a Starbucks for coffee, chips and then eat out only to realize we have spent so much on eating out. Our eating habit at times becomes abnormal and we always succumb to eating at fast food and restaurant.

Try to save on utilities

Put off all appliances when they are not in use, don't open them at the same time specially if nobody is using it, like the computer, TV, music etc.

As much as possible try not to use credit card anymore (unless you are well disciplined), only on major purchases and you are sure you keep the interest rate into consideration

Just hold a cash and then from that cash work your budget on it. Refrain from using the plastic because you might be tempted to buy unnecessary things. Sometimes when you are looking at the credit card, you cant seem to simply equate it with money, unlike when you're holding money you know that you lost it when it is no longer in your hands.

Try to use coupons on newspapers etc.

Try and do not be shamed to use coupons. When you're not doing anything, you might want to cut coupons so that you can save on grocery items. My friend has been using coupons for so long and I can see that she is saving a lot from it.

Refrain from spending too much money on nights out. Spend your time with your family or just stay at home with your friends so you can save on drinks and foods.

Going out too often is not a good idea on your wallet and health also. Schedule or plan once a week night out, if you have too, otherwise staying at home is preferred so that we can save money.  


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