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Some tips on Saving Money

Coupons save money, but they also promote sales. In the United States, over 90 billion were issued in 1980 alone. Many persons buy the products just because they have the coupons. So remember: Coupons will be a savings only if you redeem them for products you need and regularly use. No item - regardless of cost - is a bargain if you really do not need it.

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Newsweek magazine observed: "Family food bills . . . can be pared by 20 per cent if children are not allowed to go grocery shopping - and aren't able to wheedle extra purchases from their parents." Too, a shopping list of genuine needs (not just wants) is important to avoid 'impulse buying' in stores. And when shopping, look for unbranded products that have the same nutritional value as advertised brands, but that cost less.

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Buy only what you can afford. Whenever possible, pay cash to avoid paying interest charges. If you want an item that you do not need now, begin saving for it. Put the money in the bank and collect interest. Then when you have the money you need, buy it with cash.

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Whatever bills you incur, pay them promptly. At times companies give discounts for prompt payments, saving you money. If you must use credit, make sure it is only for something you cannot do without. Use credit very sparingly, and read the fine print in contracts to know exactly how much you are paying above the cash price.

Another practical suggestion: Since it has been proved that persons with credit cards usually buy more than when they pay cash, a good idea when shopping is to leave your credit cards at home!

 

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