101 Ways To Stop The Money Leak

52 Pages·2004·0.38 MB·English

by  Allan Wilson

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110011 WWaayyss TToo SSttoopp TThhee MMoonneeyy LLeeaakk
Legal Notice:
The author, his publishers, agents, resellers or distributors assume no liability or
responsibility to any person or entity with respect to any damage or alleged to be caused
directly or indirectly by the use of and the advice given in this publication.
It is recommended that the users of this publication seek legal, accounting and other
independent professional business advice before starting a business or acting upon any
advice given. This book is not intended for use as a source of legal, business, accounting
or financial advice but is sold for information purposes only.
101 Ways To Stop The Money Leak is written by Allan Wilson
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Introduction 8
1. HOLIDAY GIFT GIVING..................................................................................................................10
2. CLEARANCE....................................................................................................................................11
3. THRIFT / SURPLUS STORES.........................................................................................................12
4. WRAPPING PAPER AND BOWS......................................................................................................13
5. REUSE.............................................................................................................................................14
6. LANDSCAPING................................................................................................................................15
7. BUDGET..........................................................................................................................................16
8. PLAN...............................................................................................................................................17
9. BUY IN BULK..................................................................................................................................18
10. ALLOWANCE..............................................................................................................................19
11. WHAT MATTERS TO YOU..........................................................................................................20
12. SETTING GOALS.......................................................................................................................21
13. BE REALISTIC............................................................................................................................21
14. FLEXIBILITY...............................................................................................................................21
15. INSURANCE................................................................................................................................22
16. COUPONS...................................................................................................................................22
17. CREDIT CARDS.........................................................................................................................23
18. MORTGAGE PAYMENT...............................................................................................................23
19. CREDIT CARD INTEREST..........................................................................................................23
20. PATIENCE...................................................................................................................................24
21. FINANCIAL CONSULTING..........................................................................................................24
22. BREAK OLD HABITS..................................................................................................................24
23. AVOID TEMPTATIONS...............................................................................................................25
24. THE RIGHT TIME TO SHOP......................................................................................................25
25. MAKE YOUR OWN GIFTS..........................................................................................................25
26. BARTER SYSTEM.......................................................................................................................26
27. MATINEE....................................................................................................................................26
28. COMPARISON SHOP..................................................................................................................26
29. STOP COMPETING WITH THE JONES’......................................................................................27
30. SALES CLERK COMPLIMENTS...................................................................................................27
31. INCENTIVES – REWARD PLAN.................................................................................................28
32. DOLLAR STORES.......................................................................................................................28
33. DON’T GIVE UP THE GOOD STUFF..........................................................................................28
34. UTILITIES..................................................................................................................................29
35. CHECK THE GARBAGE...............................................................................................................29
36. WRITTEN PLAN..........................................................................................................................29
37. ATTITUDE..................................................................................................................................30
38. UNSECURED CREDITORS..........................................................................................................30
39. OFF-SEASON.............................................................................................................................30
40. BUY VERSUS RENT OR LEASE..................................................................................................31
41. BUFFET MEALS..........................................................................................................................31
42. CABLE NETWORKING................................................................................................................31
43. PROPER MAINTENANCE............................................................................................................31
44. COMPANY STOCK / 401K.......................................................................................................32
45. FAMILY HAIRCUTS....................................................................................................................32
46. WANTS VERSUS NEEDS............................................................................................................32
47. REFINANCE................................................................................................................................32
48. GO GENERIC.............................................................................................................................33
49. STOCK UP..................................................................................................................................33
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50. SHOPPING FOR CLOTHES.........................................................................................................33
51. CARPOOL...................................................................................................................................34
52. TRENDY FASHION.....................................................................................................................34
53. FREE ENTERTAINMENT..............................................................................................................34
54. TELEPHONE / MOBILE PHONE.................................................................................................35
55. HOME REMEDIES......................................................................................................................35
56. PAY ON TIME.............................................................................................................................35
57. INSULATION..............................................................................................................................36
58. CANCEL SUBSCRIPTIONS.........................................................................................................36
59. CONSOLIDATE YOUR ERRANDS................................................................................................36
60. SELL YOUR STUFF.....................................................................................................................36
61. TURN YOUR HOBBY INTO MONEY............................................................................................37
62. RECYCLE....................................................................................................................................37
63. HEATING AND COOLING...........................................................................................................37
64. SHOP ONLINE...........................................................................................................................38
65. CONSIGNMENT SHOPS.............................................................................................................38
66. SELLING YOUR HOME...............................................................................................................38
67. STAY OUT OF THE MALLS.........................................................................................................39
68. CAR SHOPPING.........................................................................................................................39
69. CHECK RECEIPTS AND STATEMENTS.......................................................................................39
70. CHALLENGE THE DOCTOR/HOSPITAL......................................................................................40
71. OVERDRAFT PROTECTION........................................................................................................41
72. BANK ACCOUNTS......................................................................................................................41
73. ORGANIZATION.........................................................................................................................41
74. GOOD HEALTH..........................................................................................................................42
75. AUTOMOBILE CARE...................................................................................................................42
76. VACATIONS...............................................................................................................................42
77. ANNUAL MAINTENANCE............................................................................................................43
78. BORROWING MONEY................................................................................................................43
79. REPAIR VERSUS REPLACE.........................................................................................................44
80. DINING OUT..............................................................................................................................45
81. PLAN MENUS.............................................................................................................................45
82. COORDINATE EFFORTS.............................................................................................................46
83. COMPUTER SOFTWARE.............................................................................................................46
84. LIFE SATISFACTION..................................................................................................................46
85. LIVE WITHIN YOUR MEANS......................................................................................................47
86. APPROPRIATE DEDUCTIONS.....................................................................................................47
87. CHRISTMAS FUND.....................................................................................................................47
88. PREVIOUSLY VIEWED................................................................................................................48
89. DINNER GUESTS.......................................................................................................................48
90. INSTANT MESSAGING / MICROPHONE....................................................................................48
91. LONG DISTANCE CALLING.......................................................................................................49
92. FREEZE FOODS.........................................................................................................................49
93. BALL GAMES.............................................................................................................................50
94. DISCOUNT BOOKS....................................................................................................................50
95. BABY FOOD...............................................................................................................................50
96. SQUELCH THE SMOKING..........................................................................................................50
97. REBATE PROGRAMS..................................................................................................................51
98. SEASONAL BUYS.......................................................................................................................51
99. POCKET CHANGE.......................................................................................................................51
100. FREEBIES...................................................................................................................................51
101. SEE YOUR SUCCESSES.............................................................................................................52
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Introduction
People are always trying to save money, especially with today’s
economy. No matter what your reason for saving, through this e-
book, you will discover ways never considered.
The price of everything has gone up, requiring people to be more
conscientious about money. The problem is that by the time the
mortgage, car, utilities, and credit cards are paid, there is little money
to put aside. Saving money is not that hard, just a matter of learning
all the different options and being creative.
In addition to the obvious of putting money into a retirement fund or
savings account, there are hundreds of ways to save money. Although
some ways of saving may not seem like much, once you add them up
at the end of the year, you will see how substantial the savings really
are.
Keep in mind that saving is more than a single lump sum of money put
aside. Saving is something found in your everyday life by the way you
live and the choices you make.
Rome was not built in a day and neither will your bank account be.
Each penny saved is one more penny than before. If you have the
ability to save big, that is great. However, most people are not in that
position, which is why this e-book will show you how little savings can
add up quickly.
Be encouraged that it is never too late to start saving, regardless of
your age. Set your mind that now is the time to start building your
future.
Before we start I just want to remind you of the water pot analogy you
read on the sales page before purchasing this book…
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110011 WWaayyss TToo SSttoopp TThhee MMoonneeyy LLeeaakk
Imagine you have a huge water pot. Each morning you fill that water
pot to the brim with lovely refreshing clean water HOWEVER you don't
realize that the water pot has numerous leaks in it.
What happens?
Of course... During the day that water pot slowly runs empty because
of all of the leaks. You come home from work dying of thirst and you
go to your precious water pot and it's dry.
Sadly this is what we do with our money too... Unless we find ways to
save it our financial life resembles very much that of the water pot.
Unless we plug the leaks there will come a day when we need to buy
something but the money pot will be dry.
It all starts with plugging the biggest leaks first...
Plug just one big leak and that will keep the water and money pot
fuller for longer. Manage to plug a few other leaks and your money pot
will not be empty when you need it most.
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110011 WWaayyss TToo SSttoopp TThhee MMoonneeyy LLeeaakk
1. Holiday Gift Giving
This tip is especially helpful for large families. Although it is fun
buying for and receiving from everyone, it can be very expensive.
Make an agreement with your family that you will continue to buy
for the children but that the adults will go with a name exchange.
This way the children are not disappointed and you can spend a
little more on one or two people rather than spreading your
money thin. For the members that you did not pick to exchange
with, bake a loaf of their favorite homemade bread or cookies.
Here’s another way to give gifts to everyone for less then
$1.00 each…
Do you own a computer?
If so the chances are you will have all the equipment you need to
implement the following money saving gift strategy.
You will need to already own a computer, scanner or digital
camera and CD burner.
The idea is to take photos… either with your digital camera or scan
in photo’s from your existing album of your family.
Create a slide show and burn both the individual photos and slide
show onto the CD. This will cost you less then $1.00 for each CD
and your family members will love it.
By having the individual photos on the CD your family members
can print out there own images afterwards.
This is especially great if you have photos of major family events
throughout the year such as reunions, gatherings and birthdays.
You could also create calendars and even video shows with the
same content and burn them on the CD as well.
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