15 Ways to save Money so You're Never Broke ...

Why wouldn't you want to know as many ways to save money as possible? No one likes to watch their paycheck disappear. Having some extra spending money is a far better alternative to being broke. These simple ways to save money will help out your financial situation.

1. Loyalty Cards

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If you’re always going to the same grocery store or movie theater, make sure you get one of their loyalty cards. It’ll help you get discounts and reward you for being a regular customer. One of the easier ways to save money is to take advantage of any deals a store offers. Just remember to keep your card in your wallet or attached to your key chain so that you never forget it. You never know what kind of bargain you’ll receive.

2. Open Email

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Along the same lines, add your email to the mailing list of any establishment you often visit. Even if there’s a store you don’t frequent because of the prices or location, it could benefit you to add them as well. They could give you great coupons or inform you of a sale that you don’t want to miss out on. If you’re worried about junk mail or your inbox being cluttered, create a separate account purely for the stores. Your personal email account will be advertisement free, but you’ll still be able to check your other one for bargains.

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Don’t be afraid to ask about discounts. Some establishments give senior, military, and student discounts. If you fall into one of those categories, make sure you ask the cashier if you can get a reduced price. Even one dollar off of your total is beneficial and will add up in the long run. So make sure to ask before you pay.

4. Separate

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When you go out to dinner with friends, make sure to get separate checks. If you order something small while the rest of your pals order expensive steak dinners, you’ll be stuck paying more than you should. If your crew is planning on splitting the bill, politely tell them that you’d rather get your own check. If you’re too embarrassed to explain that you’re trying to save money, just tell them you find it easier to pay separately than to try to calculate everyone’s price at the end of the meal. Of course, the truth works just as well. No one will shame you for trying to save a few bucks.

5. Library

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If you’re in the mood for a good movie, you don’t have to subscribe to Netflix or waste money at a theater. The library has tons of free movies that you can borrow, along with music and games. New isn’t always better. There are just as many good films to watch that were made years ago as there are now. So grab your library card and start searching.

6. Bring Lunch

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Spending money on a loaf of bread and some condiments that you can use for lunch every day is a whole lot cheaper than buying fast food five times a week. If you eat out during every lunch break, the cash is going to add up. Most places overcharge their customers and will give you less than your money’s worth. You’ll also waste gas by traveling out for food, which can be quite costly as well. So take a trip to the grocery store and buy the food that you enjoy in bulk.

7. Generic

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Sometimes name brands are so fantastic that nothing else will cut it. But at other times, the generic version will work just as well. It costs less, so buy generic food and medicine whenever you can. Just because a product has a higher price doesn’t mean that it’s the best choice. When you catch yourself spending extra money on name brand items, see if you can find a substitute.

8. Save the Loose Change

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I am one of those people who detests paying with coins, I find it to be lengthy and bothersome. It's so much easier to pay with bills instead of carrying coins as they giggle in your wallet. However instead of leaving it on the floor or giving it out, store it at home in a special box! Overtime the value will add up and you'll be able to exchange those coins for dollar bills at your bank. It's easy and convenient!

9. Avoid Impulse Shopping

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There is nothing worse than impulse shopping! Yes, it's exhilarating and exciting but in the end of the day, it's your wallet that's suffering. Trust me I know how it feels, I once bought a plain $30 tee-shirt after a concert just because of all of the adrenaline and thrill. I definitely regretted it later, but now I vow to never impulse shop again!

10. Remain Healthy

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We all know that at the top of the most expensive things list are medicine bills. Once you end up in a hospital or need to get some medication and don't have health coverage, things get a little tight financially. In order to avoid medical debt, we must remain healthy and take care of ourselves. That means following a right diet, drinking more water and exercising. Staying healthy will help you in more ways than just financially!

11. Shop on Sales

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There is nothing better than finding amazing deals on quality clothes. You save your money and add great pieces to your wardrobe. The best way to keep up with great deals and big sales is by signing up for newsletters at your favorite stores. Many popular clothing shops have huge semi-annual sales that you can't afford to miss out!

12. Shop with a List

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Whenever you go off grocery shopping, bring a list of things you need and stick to it. Purchase nothing more and nothing less! Whenever we shop without a list or on an empty stomach, we tend to throw whatever looks good into our cart even if we have no need for it. It's very extraneous and damaging to your bank account. So why not avoid it if you can?

13. Turn off Television

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If you are not a big TV junkie and don't spend much time in front of your TV, it might be a good idea to cut off cable all together! What's the point of paying for something you don't need. And don't worry about feeling left out because lot's of people lead a cable-free life! It's not like you won't have access to television programs, there is always internet!

14. Give up Smoking, Drinking, and Drugs

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You know it's bad for your health and you know you spend way too much money on it, so try to quiet now! It's going to be hard and arduous, but nothing worth having is ever easy! You won't even realize how much healthier, happier and richer you'll become since most of the bad habits are expensive and life-shorting. Stay above the influence and don't throw you money away!

15. Buy Quality Items

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If you do decide to invest into a new car, computer, bag or phone, choose your item based on quality instead of solely basing it on appearance. There is nothing worse than buying a new item and watching it break weeks after. Therefore buy items that you know will be able to withstand the test of time. Quality items will save you money in the long-run, they won't break and remain reliable while you would have to keep repurchasing bad quality items over and over again!

Use these tips in order to save some cash. How do you keep from going broke? Do you have any additional advice?

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