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February 23, 2012 | Comments: 0 | Views: 133

Savings gives us a sense of security and we preach the joys of savings to children and eager to start them young. But why is putting away some cash and not spending it difficult for many adults? Perhaps it is time to practice what we preach. We can start by these simple, creative tips on savings.

First of all, always have a list when you go shopping and stick to your list. You should never walk into a store without an idea of what to buy, a quick browse in a boutique may cost you a dress that you don't need. Always write down all the things that you need, only these items are allowed in the cart and to check out. Resisting temptation will save you plenty of money.

Too many friends and too many birthday parties and dinner invitations? Many people spend a considerable sum of money when buying gifts for friends and family. How about making some of these gifts? It is fun, cheaper and definitely very thoughtful. Bake a cake, make cookies, jam, candles and consult craft websites for easy packaging ideas. A handwritten note gives it that personal touch and your friends will definitely appreciate it.

Invite friends over instead of hitting the pubs and fancy restaurants. Almost every activity outside your home cost you money. And you will be surprised at how many people actually dread the crowd, queues, dress codes and all that just for a night out. Have friends over, have a potluck dinner and throw in a good DVD. Cozy and wallet friendly!

Cut back on expensive habits such as the latte on the way to work. Instead, try brewing your own coffee. Limit fast food lunches and pack a sandwich. Not only are you making healthier choices but meals prepared at home are also so much cheaper. If possible, eliminate or reduce other expensive habits such as cigarettes and alcohol.

Love your books, CDs, DVDs? Clean out your collection and start swapping them with your friends. Sort out the ones you don't need anymore and sell them over the Internet or second-hand stores. Swapping with friends is easy, fun and gives you a great variety.

I know this is difficult for most parents but stop splurging on young children. Stop buying expensive toys that they only play once and outfits that they will only wear for a month. Instead, come up with activities and projects for them. Get them to draw on pavements with chalk, origami with newspaper and even a doll house with card boxes. Bring them to the parks instead of the shopping mall. Not only does this encourage their creativity, it will also save you a lot from unnecessary spending.

Behind on bills and swimming in debt? I have received countless questions over the years from people wanting to know how to get out of debt. I created a list of easy ways to make money which people use a foundation to pay down debt. To find out more, please visit: =>

Source: EzineArticles
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