397 Ways to Save Money: Spend Smarter & Live Well on Less by Kerry K. Taylor

By Kerry K. Taylor

Want to save lots of hundreds of thousands with no feeling like you’re slicing corners? locate the hidden money on your day-by-day exercises? stay fortunately on a smaller budget?

With information, tips and ideas that variety from long term discount rates to immediate profit your pocket, 397 how one can store Money makes residing inside the cheap easy—and even enjoyable. Written through a normal Canadian whose frugal methods have stored her millions, this obtainable advisor bargains saving savvy that you just don’t must be a monetary planner to appreciate. through taking a look in each nook of each room at your residence, from the kitchen to the closet, and by means of contemplating the desires of each member of your loved ones, out of your baby on your puppy, 397 how one can keep Money might help you discover millions of greenbacks in rate reductions with no altering your lifestyle.

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I’ve even seen new grads buy a condo. But after I graduated I bought only what I needed for work, which was clothing. Essentially, I lived on only one-third of my new salary as a technical writer, and devoted the other two-thirds to killing debt. Instead of keeping up with the Joneses, I kept up with my loan interest and paid down lots of loan principal sooner. Paying down principal quickly prevented my loan from increasing in size with interest charges, saving me thousands over the longer term.

Ca to post your classified ads for free. Before accepting a roommate, check to make sure your lifestyles are compatible and that you both can deal with the other’s schedule. Setting up a written agreement with roommates is also a good idea. If you live close to a college or university, consider renting a room to a student or a young professional. Students tend to spend lots of time in class, making them an ideal absentee roomie. Sharing space saves on utility costs too, since bills can be split.

Finally, you can take advantage of dollar cost averaging—an investment strategy that argues market risk can be mitigated by making frequent set investments rather than trying to time lump sum contributions. Essentially, with dollar cost averaging you get exposure to the market both when it is low (which means you get more shares) and when it is high (which means you get fewer shares), and therefore can end up lowering your average price. This can leave you better off than being forced to buy at a particular rate at the end of February.

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