Customer
Blogs

07.30.2010 / Saving Tips for the Unsavvy Saver

In this economy, it makes sense to save when and where you can. However, finding spare dollars to put into savings does not come naturally to many of us. To help you get started, we have pulled together some of our favorite no nonsense tips to help you save within your budget.

"Before you know it, the small changes you make will be part of your normal routine."

Chances are that some of you already know the basics – but if you don’t, here they are:

Brown bag your lunch; skip that morning latte; rent movies instead of hitting the theater; make repairs instead of buying a new car; review your monthly money outflow and cancel any unused memberships (like the gym you “want” to go to, but never do), subscriptions (the magazines you don’t have time to read), cable channels, cell phone features and other extraneous expenses.

While the steps above can free up dollars in your budget, there are other, more creative ways to save money as well:


Get it for FREE.

  • Visit the library for free books, magazines, newspapers, CDs, DVDs and Internet access.
  • Volunteer to work part-time at a sports venue or performing arts center, and enjoy the games or the show!
  • Check your community calendar, local park and recreation centers for free activities and events. (These come in especially handy when your kids are off for the summer!)

Go ONLINE.

  • www.restaurant.com and www.retailmenot.com/coupons/food have special deals on dining out.
  • www.paperbackswap.com, www.swapacd.com and www.swapadvd.com to trade books, CDs and DVDs.
  • www.eBay.com and www.buysellcommunity.com to sell what you don’t want and buy what you need for less.

WORK the system.

  • Check with your employer and membership groups (such as AAA, alumni and professional associations) for discount tickets, lower-priced insurance and other deals.
  • Join free customer rewards programs at retail shops, restaurants and movie theaters to earn discounts and freebies.
    Clip coupons and examine your grocery store’s weekly flyer; watch for the biggest sales and plan your week’s meals around those items rather than buying the same thing each week.

Start Today!
Today is the best day to start some – or even all – of these savings tactics. Making just one change or two can help you save up some cash.  For example, by skipping the morning latte, you can save $15-$20 a week – or between $700-$1,000 a year.


Before you know it, the small changes you make will be part of your normal routine – and you’ll have more cash to stash away.  And if you’re looking for ideas on the best way to make your savings work for you, contact a First National Bank representative or visit www.firstnational.com.


Got a creative way to save? Let us know! We’re always looking for ways to help our customers save their money.


Sources: Adapted from “7 Radical Ways to Save Money,” by Jennifer Mulrean, www.moneycenteral.msn.com, accessed Jan. 15, 2009; “Save Money on Practically Everything,” www.kiplinger.com, accessed Jan. 15, 2009.

Posted at 08:51 AM | Permalink

Comments

I have trouble balancing my check book so I now round up to the next dollar and I have never been overdrawn since thus saving all those bucks. And at the end of the year I have some extra money for Christmas shopping. For me it is a painless way to save money and I never worry about being overdrawn.
Posted by Alice Fisher at 04:44 PM, Jul 29, 2010
Post A Comment
 

The views expressed on this site may not reflect the views held by First National Bank of Omaha or any of its affiliates. The information provided through this website is not a substitute for any personal advice from a licensed professional. Use of any information or advice shall be solely at the user's own risk.

We welcome your comments. All comment submissions will be reviewed prior to being posted. If the comments are posted, they may be removed at any time. Comments will not be approved if they contain, include or involve any of the following: Obscenity; Crude, vulgar or offensive language and/or symbols; Gang signs or symbols; Derogatory characterizations of any ethnic, racial, sexual or religious groups, personal attacks of any kind towards others; Trespass or the violation of other people's rights or property; Illegal (e.g., discriminatory, harassing) or inappropriate activity, behavior or conduct (e.g., inflicting emotional distress); Any other content that is or could be considered inappropriate, unsuitable or offensive, or clearly "off-topic" as determined by First National Bank of Omaha. To protect your own privacy and the privacy of others, please do not include personally identifiable information such as Social Security Number, phone number or email address in the body of your comment.

For account related questions, please log in to First National Online at www.firstnational.com and use the secure email located in Contact Us.