There are always areas that we can save money. If you are one of those who are trying to come up with ways to save money in this unstable economy, it is best to start with developing a simple lifestyle. When you are able to do this, the rest will follow. But, if you are not sure where to start, here are some eight simple ways to save money.

1. If you're not using it, turn it off and unplug it. Most people don’t realize that leaving an electric appliance plugged to the electricity outlet means that the appliance is still consuming almost 20 percent of the electricity it uses while it is turned on.  A good rule of thumb in order to save money as well as energy through electricity makes it a habit to unplug cables from their outlets when not in use.   Saving energy is one of the easiest ways that anyone can save money

2. Start clipping coupons. These days, coupons are not only applicable to just groceries only. In fact, major establishments such as restaurants, cinemas and even boutiques accept and give out coupons to its customers to offer a discount. If you keep these coupons, you can get a little discount on establishments that you usually go to.

3. Shop less. To save money, the key is to limit expenses on the items that you really need and keep whatever cash you have at hand. Try not to buy something that just tickles your fancy and if possible, limit your trips to the supermarket or boutiques to veer away from the temptation of buying something. If you are able to do this, you will save at least $20 every time.

 Although buying groceries is a necessity, this doesn’t mean that there's no opportunity for you to save. The best thing that you can do before going to a supermarket is to conduct an inventory on your supplies. This will help you determine how much more you have and can help you estimate the period of time that these supplies will last. After knowing what are the things that you need, make a list to prioritize the items that are of utmost importance. The same thing can be applied when shopping for clothes and other accessories.

4. Audit your bills. Most people are used to just paying whatever amount the bill states. But since there can be  discrepancies in these, it is best if you audit your charges once in a while. This is best for telephone bills since some companies tend to double charge you, thus, making you pay for calls you didn’t actually make. Auditing can also be applied for your credit card bills since many companies add hidden charges.

5. Take advantage of public transportation or even carpool to save money.  With the high gas prices, you can save lots of money!  Aside from saving some money on gas, you also won't have to pay for the car's maintenance and parking anymore.

6. Adjust your withholding so you keep more of your home pay. By getting a tax refunds every year, you are only giving a free loan to the government.


Michelle Hoffmann is the owner, editor and publisher of The 24KaratMarketer Ezine –, an online publication that is dedicated to helping marketers, new and experienced, succeed in their online businesses.   She is also a mother, writer, photographer, and wife.  Yes, she does it all!

Chocolate Burrito Supreme

1/2 cups Pillsbury Thick n’ Fudgy Deluxe Walnut Brownie mix
1/4 cup oil
3 tablespoons water
1 egg
9 ounces Pillsbury Chocolate Chunk Cookie Dough
1 (9-inch) Pillsbury Pie Crust
3 ounces shelled walnuts
1 (15.6 ounce) Pillsbury Creamy ...
Chocolate anyone?

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