#Money Motivator, Not A Get Rich Scheme....

#Tip #32: Use the air conditioner and/or heater less frequently.
Air conditioners and heaters can use a great deal of electricity. So if you don’t need to keep a room hot or cool, don’t use them.

#Tip #33: Hold a yard sale or setup a booth at a flea market.
Holding a yard sale or setting up a booth at a flea market will help you to a) get rid of the junk accumulating in your closets; and b) pick up some extra cash.

#Tip #34: Invest more time into comparison-shopping for expensive products.
When it comes to high-ticket items, spend extra time doing comparisonshopping. Consider using eBay, Google Shopping, and other online platforms to compare prices, so that you get the best deal.

#Tip #35: Base grocery shopping and meal plans around the availability of coupons.
Instead of using a fixed menu to buy groceries, create your menu to fit the availability of coupons for a particular week. This will ensure that you save as much as is possible each time you grocery shop.

#Tip #36: Don’t become addicted to spending.
Some of us gain pleasure simply by spending money. If you are one of those people, practice disciplining yourself by not blowing cash simply when you feel depressed or down.

#Tip #37: Meet with a financial planner.
A financial planner can help you to visualize your future; and how it will be shaped by savings decisions today. Do this as soon as possible, and get yourself in a plan.

#Tip #38: Shop for clothes at second hand stores.
Second hand stores often offer high-quality clothing for a mere fraction of the store price. Instead of spending all of your money on expensive brands at retail stores, consider getting the same items second hand.

#Tip #39: Shop at bulk stores. Bulk stores allow you to get massive amounts of products at a steep discount. If you want to save money in the long run, buying from these stores (and then storing the remaining quantities of the item) is the way to go.

#Tip #40: Cook in bulk.
Cooking in bulk is another good way to save money and time. You can do this by producing a week’s worth of food (or more) in a single session of cooking. You can then freeze the remaining food and re-heat it later in the week.

#Tip #41: Go on fewer vacations.
Vacations can be tremendously costly, so try to cut back on how frequently you take them.

#Tip #42: Limit spending on vacations.
When you do go on vacation, try to spend less. Instead of purchasing expensive hotel rooms, expensive dinners, and expensive drinks, try to reign things in and focus on being happy, rather than achieving happiness through luxury.

#Tip #43: Go on cheaper vacations.
Go camping or take a “stay-cation.” These can often be just as fun as a vacation to a far away place, but much cheaper.

#Tip #44: Re-finance your house.
Since one of your largest monthly expenses is probably your mortgage, it is always a good idea to consider whether or not you could benefit from a refinance. Do this periodically to make sure that you are getting the best rate.

#Tip #45: Replace steak with chicken and pork.
Steak is much more expensive than chicken and pork. Consider substituting between the meats to reduce the amount you spent on groceries.

#Tip #46: Eat less meat.
Relative to the nutritional value it provides, meat is one of the more expensive components of your grocery spending. Consider cutting down on the amount you consume.

#Tip #47: Ask your credit card company to lower your interest rates.
Getting a lower interest rate on your credit card is often as simple as placing a call to the company. Get in the habit of doing this on a regular basis.

#Tip #48: Pay off high interest rate debt.
Instead of paying down low-interest rate debt, pay down high-interest rate debt. This will reduce the overall amount you pay for debt servicing.

#Tip #49: Ask to get fees waived.
Stores, credit card companies, and membership programs are often willing to waive fees if you claim that you will not use the service otherwise.

#Tip #50: Ask your cable television provider to offer you a cheaper package.
Instead of purchasing the most expensive cable package, consider downgrading to one that only contains the channels you need, but at a lower price.