| Times are tough. However, you are tougher. That is | | | | advertising their low prices and half off sales. |
| why, with a few small and simple Saving Tips you can | | | | However, even if something is one sale, you are still |
| make changes to your lifestyle and spending habits, | | | | paying for it. It is still an expense.Think twice before |
| you can not only survive this credit crunch, but you can | | | | you spend and ask yourself the question: Do I need it |
| get back on top of your finances. | | | | or I just want it? Avoid the temptation and save. |
| Limit your weekly spending | | | | Re-Shape your Special Indulgences |
| Think about all those little extras that you purchase | | | | There are certain indulgences that you should never |
| every week. Maybe this is a coffee every day on | | | | have to give up. Life is made up of those simple |
| your way to work. Maybe this is a quick sandwich and | | | | pleasures. |
| salad from the cafeteria at lunch. Perhaps it is a gossip | | | | For those who love to spend their days off enjoying a |
| magazine every time you visit a store. Or maybe it's a | | | | cup of coffee and reading a good book, you can still |
| daily mid afternoon energy drink or a pack of | | | | do those things. However, instead of purchasing the |
| cigarettes. Whatever you are spending in a day, these | | | | latest $30 hard cover book and ordering a $7 |
| little things can really add up. | | | | double-shot-slim-mocha-chino-frap-a-licious-dollap of |
| Think about this: if you are buying a $5 coffee a day, | | | | cream-on-the-top-coffee, you can buy on line at |
| then you are spending an extra $100 a month. If you | | | | reduce price or visit a second hand book store and |
| are purchasing a $10 lunch every day, then you are | | | | make the coffee at home. Browsing through a second |
| spending an extra $200 a month. Cigarettes, | | | | hand book store is like exploring a whole world of |
| magazines, energy drinks, after-work cocktails- all of | | | | forgotten treasures. And, finding a good book for |
| these things can add up without you even realising it. | | | | under $5 is an indulgence in its own right and the |
| Suddenly, you are at nearly $500 extra dollars a | | | | savings are yours. |
| month, just with coffees, lunches and other daily treats. | | | | Or, for those who love to indulge in a spa treatment |
| You've probably heard people say "I don't know | | | | after a stressful week, why not create your own |
| where the money goes." | | | | spa-like atmosphere at home? Light candles, put on |
| Now you do. It is the little things that make the | | | | soothing music and purchase some cheap massage oil |
| expense difference. | | | | from the drug store. Then, sweetly ask your hubby or |
| Your Savings start with a single Dollar. | | | | beau, for a nice, long, lingering massage. Of course, you |
| Resist that sale! | | | | may have to exchange the favour but that is all part |
| When something is on sale, it's a lot harder to simply | | | | of the fun. |
| walk past it. Retailers know and understand this; that is | | | | With a few minor adjustments to your daily lifestyle |
| why they have sales. With the credit crunch and the | | | | and weekly indulgences, you can save a couple |
| slow spending, retailers and shops are constantly | | | | hundred bucks and put those money woes behind you. |
