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For my birthday and Christmas, my mom always wants "ideas" of things I would like to have. I started keeping a list throughout the year. When I find something I would like but won't buy it for myself, I write it on the list. When the holidays come around and I still want the item, I have ideas.
Whenever I clean out my purse, wallet, or cup holder that holds change in my vehicle I drop the extra change in a cookie jar my grandma bought me. Eventually, I take time to cash it all in and it usually buys a few gallons of gas or in my case, pair of shoes, LOL!
Shop sales, use coupons, loyalty card discounts, etc., when grocery shopping. The total you save is usually printed at the bottom of the receipt. Transfer that amount from your checking into your savings account; you'll be surprised how it really adds up over a period of time!!
How often do you get to the checkout and wonder how in the heck your grocery bill got so high? I keep an ongoing list on my refrigerator and add to it whenever we run out of something. Don't buy stuff just because it is on sale! STICK TO YOUR LIST! Your wallet & savings account will thank you!
1. clip coupons, print them from freeflys,other free coupon sites, also use Sunday paper to catch deals ( average savings for me 90.00)