Ways to save more out of your paycheck

1. Before making a purchase, ask yourself, " Is this neccessary?"

Frivolous spending on non-essentials increase debt an deplete your disposable income. Shop smart and place your extra cash into a savings account.

2. Get rid of call waiting, call forwarding or automatic voicemail.

Cancel services such as call waiting and voice mail.

3. Replace the cellular phone with a pre-paid mobile phone.

If you are unable to control your cell phone minutes, swith to a pre-paid phone plan.

4.Cancel your land line phones and use your cell phone.

5.Use curtains or drapes to lower your heating and cooling expenses.

6. Turn off lights, televisions and other electronics.

7.Save money of transportation.

8. Trade in the gas guzzler.

9.Combine your errands.Complete all errands in one trip.

10. Brown bag your lunch somedays.

11. Skip coffee breaks.

12. Eat left overs sometimes.

13. Browse circulars for coupons. Use them.

14. Give up all bad habits. Drinking. Smoking. Gambling.

15. Buy generic medications.

16. Don't buy dry clean only clothes.

17. Shop discount stores for home decore.

18. Exercise at home.

19. Cut up the credit cards. Use cash.

20. Have a garage sale.

21. Stop keeping up with your neighbor.

22. Downscale your life.

23. Earn extra cash with your hobby.

24. Recycle.

25. Eat less meat.

26. Pay your bills online.

27. Go to the library.

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