Top Ten Ways To Save Money 2015

Saving a few dollars a day is not that hard.  A little effort can go a long ways to saving you big money down the line.  Try a few of these tips and see what your savings can be.

1. Make your own laundry detergent-  Really guys this one is so simple and the savings are immense.  Buy one box of Borax, one box of baking powder, one box of washing soda, and four bars of Fels-Naptha.  Break the bars down into slivers in a food processor or grater.  Mix all the ingredients and stir them together really well.  Use 1/4 cup in each load and rack up the savings.  In our grocery department all of these ingredients are in the same area.  This usually costs us around $13.00 and last twice as long as when we were buying laundry detergent. 
2. Get online coupons- Go to a name brand's website. Look for a newsletter or coupon offers.  Sign up for their newsletter or coupons to get manufacturer coupons.  Little hint here, if you want more than one coupon create multiple accounts using different email address.  I have an email address dedicated to coupons because you will become overwhelmed with deals and offers if you don't create a separate account.
   
3. You don't need cable-  Believe me you can still watch your shows and not have a cable contract eating your every dime month to month.  Some people pay more per month for television then they do for their vehicle payments. Every day more and more streaming services come online.  For $35 you can get a Google Chromecast and stream shows, movies, and events. Break your dependency and find alternatives.
4. Find a new bank-  Many banks now offer to reimburse you for ATM fees.  If yours does not look for one that does! One online bank I use is ALLY. They reimburse your ATM fees and their customer service has been superb.  Also look for credit unions in your area as they many times can offer you better loan rates.
5. Never buy disposable razors-  My experience with disposable razors has left me bleeding after only one or two uses.  Buy your razors at a warehouse store or try Dollar Shave Club. Ladies, just because the men's razors aren't pink doesn't mean they don't work just as well.  Buy the razor at the best price not because you like purple. This can save you a fortune a year because razors have skyrocketed in price.
6. Sign up for Rewards- Just about every store you go into now has a customer rewards program. These programs can save you a lot of money.  Our local grocery store is Kroger and we can load eCoupons onto the card.  Some grocery chains even allow you to stack the eCoupon on top of your paper coupon for supreme savings. 
7. Read e-books- Ebooks are becoming extremely popular and there is a reason.  Ebooks can save you up to 70% off the cover price. You also don't have to store a ton of books. My e-reader has over 200 books.  If you use an Ipad or some other table you can even get digital magazines which are much more affordable. Amazon has been a great resource for me as I buy gift cards from my local grocery store to get the gas points and buy the books for my kindle.
8. Check you insurance policy-  Call around and shop insurance rates. Just because your insurance was cheaper with XYZ company last year does not mean you are getting the best deal this year. Especially check this if you change vehicles as some companies can rate a vehicle differently than the other company. I do not suggest cutting your insurance down to liability coverage though as this can cost you big-time down the road. Be savvy but don't go crazy.
9. The B word- If you don't have a budget; you need one.  Everyone thinks it is impossible but it isn't .  Figure up your combined income monthly and put it at the top of your budget. Now pay all necessary items first. Power, mortgage, water, sewer... Now figure a reasonable budget for other expenses. If you are left with money over at the end you need to be saving this money or investing it. Do not be tempted to spend it just because you can. Tell your money what to do or it will disappear. 
10. Make your gifts- Birthdays, retirements, and Christmas can cost you a lot of money.  However, homemade gifts are making a huge surge and they are more popular now than ever. There are tons of ideas for doing this online.  Check pinterest.com for ideas of what you can make and give. I promise you there are simple and great looking gifts you can make for pennies on the dollar of what you were going to spend.

Check back often and bookmark our page as we will be bringing you more ways to save!