So, if you'd like to save yourself! credit card

Do Your Homework

There are lots of ways to save money, no matter how much of it you have - or don't have. All you need to know is where to look to find the savings.

The first thing you need to do is eliminate ALL of your unnecessary expenses such as eating out on the weekends, buying lunch at work every day subscribing to magazines and newspapers and cable television.

It's OK to reward yourself once in a while, but if you are really looking to live frugally, you owe it to yourself to save every single penny you can!

To find other ways to reduce your expenses, take a close look at your checkbook and credit card statements. You should also call your credit card companies to see if they will lower your interest rates.

You'll be amazed at how many ways you can save money, especially once you start looking carefully at how you spend your money every month.

For those expenses you can't eliminate, it's time to start shopping around for the best prices. Things like car insurance, groceries, clothing and gifts can be found at very reasonable prices if you take the time to seek out the bargains.

The same is true of many of your monthly expenses - like long distance telephone service, internet service, all types of insurance, mortgages, and in some places even your utility bills.

So, if you'd like to save yourself lots of money every month - and who doesn't - start shopping around and looking for ways to lower your monthly bills right away. Add this to cutting out unnecessary expenses and you could find yourself being able to save thousands of dollars each year. The initial investment of time to seek out the best values will be well worth it in the long run.

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