Money Saving Tips

These days saving money is key in just about every household in America, Thanks to many ideas from many different people there are a few tips that we can all do to help us be a bit more frugal. I came across many websites are my research for FREE stuff and yes they are out there. Below is a list of websites where you can sign up from free stuff:
http://www.signup.womanfreebies.com/
http://www.freebies-for-baby.com/
http://www.freakyfreddies.com/
http://www.freeflys.com/
http://www.babiesonline.com/
Coupon Sites
http://www.hercoupon.com/
http://www.couponmom.com/

Those are a few that I have found so far and I will hopefully find alot more soon! Another good tool is coupons! In recent studies of US consumers, using coupons espically when buying groceries can cut your bill in almost have when at the checkout stand, this always has even more saving when you shop at stores with customer rewards and perks that give you discounts on selected items. Some of these stores include Safeway, King Soopers, Fred Myers, Columbine Market, and Albertsons. Becoming members of Cost Co or Sams Club will also help you save money if you buy in bulk and have the room.
 On my search for digging up coupons and free product giveaway sites I came across some smart moves people can do in 2011 to help with saving money. The first thing a you need to do is revisit your budget, if you don't have one, you need one. Having a budget from you and your family can cut your spending anywhere from 1/3 to 1/2 , and this spending is usually the comlusive buying and items that aren't truely needed. Next committ to reducing your debt or building your nest egg, Cutting down your debt is so important and is a such weight lifted off someone. I know that my husband and I felt that way after we paid off his welding truck and our 5th wheel a couple months ago, nothing feels better. If you already have debt paid off start building your nest egg. A nest egg is money that is set aside for times when possible unemployment might arise.The goal is 6 months worth of bill and spending, You can get this information from your new budget, Now granted with us pipeliners you may have to have 2 different budgets; one for living on unemployment that needs to be recalculated often and one for when you are working, Thirdly, rack up them savings! Start putting money away in your retirement funds, Roth IRA's, general savings accounts, and college savings for children or yourself if you plan on going back! The next thing open a savings account that is strictly for medical, this can be called a Health Savings Account, That way no matter what insurance or not you have money set aside for all and anything medical and wont have to skip the Doc 'cause you have no money, And lastly remortgage your house for a lower interest rate. If yours' is low enough then leave it. However if you need to or would like to check out your local Credit Union, they usually have the lowest rates of any bank; some do home mortgages and some do not. As an example our credit union gives us an interest rate of only 2%! That really comes in handy and it never changes, remortgaging your home could also help lower your monthly payments, which we could all use!

Your Budget Should Look Like This:
Household
Rent/Mortgage: Amount
Home Equity Loan: Amount
Heat: Amount
Electricity: Amount
Insurance: Amount
Phone: Amount
Internet: Amount
Cable: Amount
Lawn/Garden: Amount
Repairs: Amount
Other Services: Amount
Household should represent 35% of your income
Transportation
Car Payment 1: Amount
Car Payment 2: Amount
Fuel: Amount
Insurance: Amount
Repairs/Upkeep: Amount
Commuting: Amout
Parking: Amount
Other: Amount
Transportation should represent 15% of your income
Credit Cards & Loans
Credit Card 1: Amount
Credit Card 2: Amount
Credit Card 3: Amount
Loan 1: Amount
Loan 2: Amount
Loan 3: Amount
Loans should represent 15% of your Income
Child Care:
Babysitting: Amount
Tuition: Amount
Clothing: Amount
Lessons: Amount
Toys: Amount
Gifts: Amount
Other: Amount
Food
Groceries: Amount
Eating Out: Amount
Personal
Clothing: Amount
Beauty/ Barber Shop: Amount
Dry Cleaning: Amount
Personal Items: Amount (toiltires, makeup, shampoo, soap, etc.)
Health Club: Amount
Cell Phone: Amount
Gifts: Amount
Other: Amount
Medical
Insurance: Amount
Co-Pays: Amount
Prescriptions: Amount
Entertainment
Tickets (movies/theater/concert/sports): Amount
CD's/DVD's: Amount
Books/Magazines: Amount
Other:
Travel
Vacation: Amount
Other: Amount
Pets
Food: Amount
Medical Care: Amount
Grooming: Amount
Other: Amount
*Childcare, Food, Personal, Medical, Entertainment, Travel, & Pets should represent 25% of your income
Savings/Investments
401(k): Amount
Other retirement: Amount
Monthly Savings: Amount
Goal here is 10%, however if you have more money to put into savings do so!!
You can alter the budget to your needs and specifications, however this is just a basic guideline!
Hope this helped! Please comment about your saving tips and if these helped you!!