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	<title>Online Finance Articles &#187; Budgeting</title>
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		<title>Budgeting Tips &#8211; How to Shop to Save Money</title>
		<link>http://www.onlinefinancearticles.com/budgeting-tips-how-to-shop-to-save-money/</link>
		<comments>http://www.onlinefinancearticles.com/budgeting-tips-how-to-shop-to-save-money/#comments</comments>
		<pubDate>Sat, 25 Sep 2010 05:58:43 +0000</pubDate>
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				<category><![CDATA[Budgeting]]></category>

		<guid isPermaLink="false">http://www.onlinefinancearticles.com/?p=176</guid>
		<description><![CDATA[Don&#8217;t sacrifice the family budget to a shopping spree. Learning how to shop to save money will help keep your budget on track. Visiting the sales, conserving energy and clipping coupons are all positive steps in the right direction, but with some careful planning and organized thought, you can make your dollar stretch even further. [...]]]></description>
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<p>Don&#8217;t sacrifice the family budget to a shopping spree. Learning how to shop to save money will help keep your budget on track. Visiting the sales, conserving energy and clipping coupons are all positive steps in the right direction, but with some careful planning and organized thought, you can make your dollar stretch even further. Here are a few budgeting tips to get you started.</p>
<p>Set a realistic budget and stick to it. A budget will help you to know where your money is going. And this will make it easier to find where you can cut corners and make adjustments to your spending. With some commitment and a few lifestyle changes, it can be simple to live within the constraints of a well-planned budget.</p>
<p>There are basic needs that are worth spending on because they are important for your health and security. They are the things that you cannot live without and should be set in your budget. These are food, transportation, shelter, and clothing.</p>
<p>Record your spending so that you have a visible track of where your money is going each month. You are likely to remember the bigger bills like the mortgage, but it&#8217;s easy to lose track of the incidental spending you do. After recording your sundry spending you&#8217;ll probably be surprised at how much you spend on movies, eating out, video rentals and other small items. Being aware will help you to find ways of saving a few dollars here and there. This can add up to a significant saving each month.</p>
<p>Rather than hiring videos borrow them from your local library at little or no cost. Look for fun, inexpensive ways to entertain family.</p>
<p>Always remember to make a list when you go shopping. If you only bring the amount of money you need to buy your items this will prevent you from buying things that are not important.</p>
<p>Compare prices and do not limit your options to one store only. Rather than buying on impulse try window-shopping first.</p>
<p>You can save money by conserving electricity. Be sure to turn off appliances that are not in use. And compare your monthly electricity bills on a regular basis. Shop around with other providers to see if you can get a better deal. Pay your bill on time and many power companies will give you and early payment discount.</p>
<p>Shop for clothing at the end of the season as prices of many items will be on special at his time of the year. Your budget should have a sum included for clothing so make sure you stick to your budget amount.</p>
<p>Decide on the things that are important to you. Recognize the items that you need and the items that you want to have. Remember that you should only buy things that are important and needed. These are just some of the way you can shop to save and keep your budget on track.</p></div>
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		<title>How to Save Money and Live Regally &#8211; 5 Tips</title>
		<link>http://www.onlinefinancearticles.com/how-to-save-money-and-live-regally-5-tips/</link>
		<comments>http://www.onlinefinancearticles.com/how-to-save-money-and-live-regally-5-tips/#comments</comments>
		<pubDate>Fri, 31 Jul 2009 04:36:42 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Budgeting]]></category>

		<guid isPermaLink="false">http://www.onlinefinancearticles.com/?p=25</guid>
		<description><![CDATA[Lots of us need to or should cut back on spending, but it can be hard. We all want to live well after all, but spending and living well do not necessarily go together. My friend Sue pours though money, yet lives no better than I do. She always seems to pay full price, buy [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;">Lots of us need to or should cut back on spending, but it can be hard. We all want to live well after all, but spending and living well do not necessarily go together. My friend Sue pours though money, yet lives no better than I do. She always seems to pay full price, buy things she never uses or throws away, and basically has no money sense. I have just a bit of money sense, and live frugally yet regally. You cut down on expenses and live like a King or Queen! Here are 5 tips to get you started.</p>
<p style="text-align: justify;">1) Expensive coffees, teas, and other drinks. Make your own! I do, and save money, especially in the office. And my coffee is cheaper and better than at most coffee shops! Yes, I still occasionally go to my favorite coffee shop. It&#8217;s a great deal, when I want more than coffee. For two dollars I get a cup of good Java and a place to sit for an hour or two and work on my laptop or do paper work.</p>
<p style="text-align: justify;">2) Pack your lunch. I bring my lunch to work most days. It&#8217;s convenient, certainly healthy, and saves me time too overall.</p>
<p style="text-align: justify;">3) Learn to cook. There are plenty of great inexpensive meals you can learn to cook. Even if you can cook, do you really know how to or do you blindly follow directions and make boring food. Cooking should be fun and save money.</p>
<p style="text-align: justify;">4) Combine car trips. This is a no-brainer but tough to do. The big tip here is to make lists. No more running out for a last minute errand when I already know what I need to do and get in the next few days and can logically combine trips. It&#8217;s great for the environment too.</p>
<p style="text-align: justify;">5) Don&#8217;t shop for fun! Buy what you want and need, but not just things that catch your eye and that you may never use. If you are a shopoholic, face it, you have mental disorder! Fortunately it&#8217;s not very serious, but get some support or help.</p>
<p style="text-align: justify;">You can spend less money and live better, without being a cheapskate too. It&#8217;s not hard if you try, and who doesn&#8217;t want to live better?</p>
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