August 4th, 2010 | 
Author:
The difference between wants and need while spending money in a recessive economy. This economic recession is a great reason to cut down on frivolous spending.
The best thing about jade massage stones is if you don’t need them, why waste money on them. I know the title is catchy but it still highlights the difference in between wanting something and needing it. Especially when your budget is super tight.
Avoid Impulse Buying
If you don’t need it to clothe, shelter or feed you is it absolutely necessary. Think about whether you can live underneath that television if your house was unavailable, could you eat it or can you wear it? Avoid impulse buying at all costs. Impulse buying happens when you have money and you just buy things because you want them and you have the money.
Research
Get help. Read up on ways to stretch your buck. Find cheaper alternatives to things that you need. Search the net for tips on how to save and spend money practically.
Clip coupons
You can save lots and lots of money using coupons. Those few cents off makes a major difference when accumulated together. Cents spend too, why not save them.
Write a list
It was well known that if you write a list and stick to it, you would save more money. People tend to overspend when they go into the store with no plan or ideas.
Go grocery shopping without the kids
Kids tend to ask for things that are unnecessary like candy bars, those colorful juices made to get their attention and all other things. We just want to give our kids what they ask for even if we can’t afford it. Do yourself a favor and avoid the grocery trap set especially for your children and leave them with family so you can shop in peace and economically.
Inquire about Budget Billing
Most budget billing programs will evaluate your usage and set a bill amount for 12 months. So if your electric usage equals $60 per month, they can set your to be $70 per month that is your monthly rate. Inquire with your utility companies about budget billing.
Enroll in Award Programs
Commerce bank used to have a program when every time you broke a dollar they would put the change into your savings account. For example, I bought some jade massage stones for $157.23 and used my check card to make the purchase. The bank would put the $.77 left over into my savings account
It is so easy to spend money but not so easy get money to replenish what was lost. If you do need to spend money, do it responsibly. While the economy is tiptoeing back to a sound level, it is important to be prepared for an emergency such as job loss, cut wages or unexpected expenses.
Use these tips to help you cut down on your out of control spending habits. Remember, we are in recessive economic times and the money you used to spend may not be available now.
Posted in Uncategorized | 
Tags: Billing Programs, Budget Billing, Clip Coupons, Jade, Massage Stones, Spending Money, Television, Waste Money