| Saving money is one of the best things we can do to | | | | laptop. We always find these cash backs hard to |
| secure a financially free future. After all, why should | | | | find or follow up! Persevere and you will get your |
| you pay more than you have too? Listed below are | | | | money back. |
| 10 money saving tips to help your dollar go further. | | | | Tip 6: Items for free: Craigslist and newspapers |
| Tip 1: Don't buy extended warranty: Extended | | | | often have sections where people are giving things |
| warranties generally are never used (research shows | | | | away for free. It is always worth checking this out. |
| well under 5 percent of them are ever used). So | | | | You never know what you may find. |
| save yourself an extra $30-$40 and go without the | | | | Tip 7: Compare prices for medical procedures: It is |
| extended warranty. | | | | always worth getting three quotes if you are in need |
| Tip 2: Use cash as a negotiation tool: Cash is still | | | | of medical or dental treatments. There are also a |
| alive and well. Next time you are making a big | | | | few websites which compares prices. This way you |
| purchase see if they will reduce the price if you pay | | | | won't over pay for a treatment. Consider overseas for |
| cash. This also helps you save money on Interest as | | | | non urgent/ elective surgery. Globalisation is happening, |
| well. | | | | so use it. |
| Tip 3: Buy discount books: A discount book, with an | | | | Tip 8: Buy less but buy quality: Quality appliances or |
| initial expense of $50 maximum, is a great | | | | toys etc will save you money over the long term. If |
| investment. If you don't want to spend the money | | | | you buy cheap things you will have to keep replacing |
| yourself you can ask for one as a present. Most | | | | them. This is one case where less is more. |
| people easily save between 200-300 a year, but you | | | | Tip 9: Bring your own reusable shopping bag: Many |
| can save $1000s! Note: Keep the book in your car | | | | supermarkets are starting to charge for plastic bags |
| for easy access! | | | | (we support this as the environment does not need |
| Tip 4: Buy your gifts well in advance and when sales | | | | any more plastic bags!). So save yourself a few |
| are on: For example you can use the after | | | | cents each trip and bring your own bags. Try a body |
| Christmas sales to buy a lot of your presents for the | | | | bag and notice the admiring looks from your |
| next year. It takes a bit of organisation, but in terms | | | | co-shoppers! |
| of the dollars you will save it is well worth it. Always | | | | Tip 10: Buy based on unit price: If you can, work out |
| keep this in mind when you are shopping. | | | | the unit price for an item, you will be able to easily |
| Tip 5: Follow up cash backs: You often receive | | | | ascertain if you are getting a good deal or not. |
| cash back when you buy electronic items such as a | | | | |