15 Tips for More Cash
If you’re anything like me, it never hurts to have some extra money. Maybe it’s to do something special, to wipe away old debt, or just to make ends meet.
Following are a few tips that just might come in handy for you… I know they have for us!
*1. Get a second job* – If you can afford the extra time of a second, part-time job, this may work for you. Just make sure that it makes sense in the long-run, too. For example, you may get pushed into a higher tax-bracket or lose some credits or exemptions come tax time. If you can justify it, a second job can be a great way to bring home more money.
*2. Cut back on spending* – Usually, when we’re hurting for money, it’s because we are wasting it somewhere. Whether it’s on “treating” ourselves, or routine spending, we need to seek out those things that are draining our savings and cut back. Already have, you say? Look harder… I’m sure there’s more places you could cut back in unnecessary spending.
*3. Cancel subscriptions* – If you have a weekly newspaper subscription, cut back to just weekends. This way, you’ll still get the weekly highlights, and those money-saving coupons! Also, find out what magazines you’re getting that don’t get read, and cancel those wasted subscriptions, too.
*4. Stop buying new books* – Think you need to go to the store every time a new book appears by your favorite author? Nonsense! Go to the library, and get it there… not only do they carry all the latest books, but they’re FREE! And if they don’t have them stocked, they’ll order it for you.
*5. Use those coupons!* – OK, this may sound miserly, but you can really save a lot here. Don’t throw away your coupons! Cut out all the ones that you will use, then find those items on sale. This way, you’re saving *twice* as much. And if your favorite store doesn’t offer double-coupon days, find one that does. It’s almost ridiculous how much you can save!
*6. Trash the loyalty to name brands* – Nowadays, generic foods taste as good or better than the Name Brand foods… and they cost *much* less. “But (insert your favorite brand here) is my _favorite_!” you say? Kind of fickle, isn’t it? You’re trying to save money here.
*7. Combine errands into one trip* – With the ridiculous cost of gas at the pumps, you would do well to plan out all the places you need to go in a week, and try to squeeze them all in 1 or 2 days. Map it out, and hit each location in order. your mileage will drop, and so will your gas costs.
*8. Stop buying expensive gifts* – While it’s nice to bless people with expensive things, it’s really unnecessary. Rather, try being creative with your presents. Either buy things ahead of time on clearance, or consider hand-making something meaningful.
*9. Cancel memberships to health clubs* – Really, now. As much as you spend on a health spa, you’d think it has gotten you into a routine by now. Try moving your workout to the outdoors, or the guest-room. By the way, you _are_ using your membership, right?
*10. Sell your used books, videos and CDs online* – eBay can be a little time consuming, but there are always people looking for exactly what you don’t need anymore. You can help someone out while at the same time, putting needed cash back in your bank account.
*11. Have a garage sale or work with consignment stores* – Again, people are looking for what you are trying to get rid of. eBay is simply an online form of the old-school, tried and true rummage sale.
*12. Sell your handcrafted products for a profit* – The list of items you can make to sell is endless ? dog houses, book cases, bird houses, painted mailboxes, plants, quilts, crocheted baby blankets, cloth diapers, pillows, baked goods, homemade bread, jelly, Christmas ornaments, toys, picture frames? you name it! If it?s something people want or need to buy, you can make it and earn a nice profit!
*13. Start a home business* – If you have the ability or qualifications you can offer several services from your own home – such as childcare, senior care, tutoring, music lessons, sewing, typing, lawn care, housecleaning, pet sitting and even personal shopping. Have some inexpensive business cards printed announcing your services and hand them out to everyone you know.
“Vista Print”:http://www.qksrv.net/click-772077-4992835 is the popular online company that offers free business cards. All you have to pay is a small shipping fee. Later, when your business begins to grow, you can have more professional, custom cards made.
*14. Refinance a car or home loan* – Chances are, you have an outstanding loan with a higher interest rate than you could get now. Look into refinancing it for a lower interest rate, making your monthly payments easier to handle.
*15. Give with a pure heart* – When giving, don’t give to make money or earn favor? ?Give, and it will be given to you. A good measure, pressed down, shaken together and running over, will be poured into your lap. For with the measure you use, it will be measured to you.? Luke 6:38 (NIV)
Hope these help!