Be Penny Wise

In this day and age it really is harder and harder to save money.  I just heard about a lady who puts her credit cards in the freezer - so - she has to thaw them out to use them.  Wow - the miracles of the refrigerator.

I think a better idea is just make sure you pay off the darn credit card bill every month - so - you don't have interest charges.  That is a huge savings for some people.

How to make fun and cheap party snacks:

I just love frugal treat ideas.

So remember - pennies do add up - be penny smart - and be penny wise.

And,  remember - always - always - pay yourself first.

No Spend Pledge Days

If you really want to save money - sometimes - you have to say to yourself - ok - today is a no spend pledge day.  Do not eat out - do not rent movies - no shopping!

Ok, so this is pretty hard to do.  But only do this when you know - you can do it!  It takes a lot of self control.

Everyone has many projects around the house - that takes time - not money - so lets get a move on.

I just found out that being frugal does not mean being cheap.

Cheap is a person who won't part with a dollar - a miser - a penny pincher.

Not too much fun being around this person.

A frugal person will give up something in order to be able to do something else!

Well, for example if your an avid movie goer but also love those expensive coffee's.

Then one weekend - forget the movie - now that savings - just paid for your coffee's.

Do you get it now?

This week - no paperview for this gal - I'd rather save this money to pay down my bills.

Are you a Coupon Queen?  Well- it will pay off - for example: a $1.00 off of swifters - is a great savings.

Inpulse shopping: go back a week later - if you really need it.  This way - you cut down on the inpulse shopping.

Getting rid of stuff - this kind of housekeeping is great - this is where - you will find things you forgot you had.

This is just another great way to stop being a shop-a-holic.

Go for a walk outside - get some fresh air - it's free - and you will feel better for it.

When you pick up a penny it really is a penny from heaven.

Give it to another person - that - will give you good karma.

Remember - always pay yourself first.  Be penny wise.

Get That Piggy Bank Mentality

Hey you out there.  Yes you.  Got money problems - too many bills - not enough income.  Well, you have to get that piggy bank mentality - back!  You know when you were a kid and all your money went into your precious piggy bank.  Well, bring it on - the piggy bank is back - and - here to stay.

Mentally - you must say to yourself - what can I do today to save money? Just one thing - even if it's only pennies.  Because you can try and go cold turkey for not spending - but - your setting yourself up to fail -  baby steps - that is what will be more effective.  A little here - a little there.

Frugality is a mentality.  You don't have to be super cheap to be frugal.  Just try and be careful on what your spending your money on.  At Shopper's Drugmart stock up on 20 X the points day.  And, only redeem on redemption days when your at your highest points level.

Nobody said it would be easy.  Today - I am reading the free newspaper - hey I just saved .50 cents. Wow!

And remember - always - pay yourself first.

Remember Pennies Do Add Up

Hey, I heard somewhere that they want to get rid of the penny.  No way - I like pennies - they do add up - it just takes some effort - rolling them - well that can be a pain in the butt.

Just when it get's harder and harder to save here are some very special money saving tips:

If your a luncher outer - always make breakfast and dinner.
If you want a treat - have a pizza night.
Always go to the movies on cheap night - Tuesdays.
Renting a paper-view once in awhile is cheaper than going out to the show.
Renting a movie from a video store is even cheaper because you can watch the movie over and over.
If you do go to a restaurant - pick a cheaper one - one that is within your budget.
Always, always - pay off your visa - in full - every month.
Try to freeze your spending from your credit line if you have one.
Eat whatever you have in the fridge before you go shopping.
Never go grocery shopping on an empty stomach.
Shop at the charity shops once in awhile - you will be amazed what you can get dirt cheap.

Remember, take baby steps - no one said digging yourself out of a whole would be easy.
Points cards - yes, yes, yes!
But, always pay the bills off - or - your losing money in interest payments.

Let's listen in on how this lady saves money - you go girl!

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