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16
Feb
Buying Tips

The 8 Best Ways to Save Money in 2020

Robert J. Ott
February 16, 2020

Are you looking to save more money for a down payment on a home without getting a second job? If you have trouble saving money, read this article and try the 8 best ways to save money in 2020 that you might not have thought about.

# 1 – Master the 30-day rule

One of the most important rules of personal finance is to avoid instant gratification. Waiting 30 days to decide on a purchase is an excellent way to implement that rule. Quite often, as the days go by, you find the urge to buy has passed or it a least gives you a better perspective on whether it’s truly worth the money. Either way it’s a win-win and it saves you money.

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# 2 – Cancel unused memberships

Are you paying dues or fees that you never use? Like, for instance, a gym membership or app that has never really been used. If you’re on the fence about any of your subscriptions or find that you’re not using them very often, cancel them. Remember you can always renew the membership at a later date if it turns out you actually do miss them. Check your bank account and see what items you can eliminate.

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# 3 – Don’t spend big money entertaining your children

Most children, especially the young ones, can be entertained very cheaply. Take them to the park, go for a walk around the block or play ball in the yard. When you come to realize that children want our time more then our stuff, you will find money in your pocket and happy entertained children.

# 4 – Avoid eating out or eating fast food

Instead of stopping at those convenient and unhealthy fast food places, try making some simple healthy replacements to take with you. Most people would be surprised how much they eat fast food in a given week and the high costs their paying. If a fast-food meal for one, cost seven dollars, how much money would you save if you replaced that with a nice simple meal made from home. After only a short time you will see the savings add up fast.

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#5 – Write a list before you go shopping – and stick to it

Creating a list before you go to the grocery store and sticking to it is especially important. Without a list you typically end up making impulse buys and unplanned purchases which cost you more. Not only can having a list help you buy items that fit with your meal plan, but it can also help you avoid buying foods you might waste. Always create a list and, more importantly, stick to it.

# 6 – Try to fix things yourself

It was far more difficult to find ways to fix everyday items before YouTube hit the scene. But today, you can find online tutorials and videos that show you how to fix almost anything for free. If you haven’t done it before, try it, you will be surprised on how many videos area available, free of cost, showing you exactly what it takes to fix the issue.

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#7 – When buying a car, look only at used models

From an investment stand point, new cars make terrible investments. Not only do they drop in value the second you drive off the lot, they continue to drop with every year that goes by. The good thing is that there is an abundant of used cards that are in relatively good condition. Stop making payments on a car and start living within your means. Live like no one else today, so you can live like no one else tomorrow.

#8 – Always ask for fees to be waived

Next time your signing up for a service of any kind, ask them if the start up fees can be waived. What do you have to lose? Not always, but sometimes, managers and owners are willing waive start up costs or minor fees to make their customers happy. Try it, be open to save more money today.

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