Ways to Save Money

Here it is! My big list of tips for saving money (or avoiding spending money):

• Ways to Save Money #1: Save Your Coins
• Ways to Save Money #2: Scour the Web for Free Stuff
• Ways to Save Money #3: Buy Used
• Ways to Save Money #4: Pay with Cash
• Ways to Save Money #5: Pay Yourself First
• Ways to Save Money #6: Avoid the ATM
• Ways to Save Money #7: Don’t Buy Crap
• Ways to Save Money #8: Drop the Gym
• Ways to Save Money #9: Only Shop When Needed
• Ways to Save Money #10: Don’t Carry a Credit Card Balance
• Ways to Save Money #11: Learn to Say NO!
• Ways to Save Money #12: Fill Up the Freezer
• Ways to Save Money #13: Use a Hanky
• Ways to Save Money #14: Block-Off Unused Rooms
• Ways to Save Money #15: Wear Socks or Slippers at Home
• Ways to Save Money #16: Bundle Up – at Home
• Saving Money versus Avoiding Spending
• 7 Ways to Save Money on College Transportation
• 50 Ways to Save Money by Not Wasting
• 5 QUICK Ways to Save Money IN the Bathroom

To help you target your saving, here are calculators from HSBC