1. Whenever we do our grocery shopping, we buy things that are almost in need of replacing, or may even be needed next week. Like this we spend a little more each week. Over the year, this adds up, and becomes a few hundred or even a thousand over spent.

Let’s think of shopping in this way, if you buy groceries every eight days instead of seven, you get one day free every week. You can do this by cooking things that are in the back of the cupboard, such as pasta or tinned rice pudding, powdered soups etc., or using up left overs from yesterday.

There are fifty-two weeks in the year, and this means you can get fifty-two days of free shopping, just by stretching the supplies a little bit! That is about seven weeks of groceries absolutely free every year!

2. In general, we do not want to put things off, however if it does not need replacing now, or spending on now, you will find, postponing the expenditure actually saves a lot each year. For example, taking the kids out every week, can be postponed to every ten days, some things purchased every month could be every 6 weeks or every other month. You will find yourself paying for less every month on month, than year on year.

Kids birthdays; Some people have all their kid’s birthdays on the same day, and this does actually save, because you will have only one party per year, not more than one.

Some people also roll their Christmas and birthdays for whole family into one day, think of the hundreds you could save with this idea!

Buying Christmas gifts after the event for next year, is another little trick. In January, unsold but quite good gifts are available in the shops for half price or thirty per cent off. You just have to bear in mind that gifts you purchase for giving next year, should not be out of date next year, or indeed out of fashion.

3. When spending cash, you will spend a lot less if you spend pennies and pence, cents and quarters before using notes. This weird little trick actually works, and saves time and effort gathering change to put in the change machine later.

Did you know, change machines charge you about ten to eleven percent just to count your money?

These small changes you make to your spending habits will definitely stretch your limited money that much further, so life in general becomes that much less difficult.

Source by Sangita M Jethwani