Financial debt can certainly consume you in more ways that one. It can rob you of sleep, it can cause major anxiety, it can interfere in your marriage, and it can cause you a severe bout of depression. While some of these go hand in hand, there are a growing number of financial debt affects that can result in an unhealthy lifestyle.With the worldwide failing economy, there has to be certain things we can do to alleviate some of that burden. Well, there are quite a few practical money saving tips that can economically benefit you and your family. Let’s take a look at some of those things.1) Drink Water: The beverage you drink on a daily basis should be water. Not only will this save you money, but consuming at least 8 full glasses of water each day is extremely healthy for you.2) Eat Out Less: Stay at home and cook more often verses going out to eat. You can still have that scheduled Friday or Saturday night evening out, but otherwise stick to cooking at home more throughout the week and you will be surprised at how much you save in a year’s time.3) Ditch That Daily Morning Latte: You know that daily morning latte that you think you have to have on the way back home from taking the kids to school? Ditch that, you don’t need it. Make your own at home and you’ll save a bundle in just a month’s time.4) Dryer Vent Seal: Make for sure your clothes dryer has a dryer vent seal. This is an air leakage control device. We have one on ours and it’s definitely a money saver.5) Grocery Shopping Online: Try doing your grocery shopping online. Sometimes you are able to save a considerable amount of your hard-earned dollars by doing this. An added plus, you will save on gas and time as well.6) Downsize To One Car Family: Downsize from a two car family to a one car family. Look at some car pooling options as well as re evaluating your family’s transportation needs.7) Homemade Gifts: When giving gifts, look into your creative side and make your gifts verses buying them. Maybe you love scrapbooking, or perhaps you like to crochet. Most people appreciate the homemade gifts better than the expensive store bought.8) Your Children and Finances: Teach your children early on that money doesn’t grow on trees, as the old saying goes. An allowance is a good thing for them to learn the process of earning money. Furthermore, instill in them the importance of saving.9) Phone Bill, Internet, and Cable: If you haven’t done so already, look into combining all 3 of these into one bill. You can save a bundle by dong this. I know Charter and AT &T has some good deals.10) Combining Insurances Into One Bill: A lot of people have their medical, life, and home insurance all through one company. A lot of insurance companies offer this. It’s worth checking into, as it can save you money.11) Online Coupons: There is a wealth of information on the Internet, including coupons. Just type in the type of “printable coupons” you are looking for into Google.com and you will come up with a lot of sites to check out.12) Timeshare Vacation Deals: We all get those calls don’t we? Would you like a “free vacation?” Well, of course there is always a catch for these deals. You often have to sit in on an hour or hour and a half long sales presentation. A lot of people take advantage of this. This can save you a ton of money. Type “timeshare vacations” into Google.com and you’ll find lots of options.13) Saving Leftover Foods: After meals if you have quite a bit of leftovers, don’t throw it out! Freeze it and make something different with it for another meal time. Also for small leftovers, save it for lunch for the next day.14) Yard and Rummage Sales: If you have time for these, go to them! Often times, you can find some really good bargains. And there are some people that have clothing items for sale that have never been worn (with the tags still attached) at extremely low prices. These items may be just your size and what you’ve been looking for.15) Walk Instead Of Drive: Whenever possible and when in walking distance, leave the car in the garage and walk to your destination. Not only will you save on fuel and wear and tear on your car, you will also get some needed exercise.16) Saving Coins: Coins can add up quickly. At the end of each week, gather any extra coins that have accumulated in your car and your purse, and keep them in a piggy bank or a good size container. Every so often take those coins to the bank and either put the money in your checking account, savings account, or just get the cash for it. This is great for saving up for vacations or home improvement projects.17) Enjoy Time At Home Instead Of Going Out: Have friends over or have a family night instead of going out. If your family enjoys these planned special nights, make it a weekly routine. You’d be surprised at how much you will save in a year’s time doing this.18) Store Credit Cards At Home: Instead of keeping your credit cards in your wallet or purse, store them at home in a safe place. This way, you will resist the urge to buy on impulse. Use them only for emergencies.19) Set Your Bills On Automatic Bank Draft: Instead of writing out checks each month, save on both time and stamps and schedule your bills for automatic bank draft.20) Save On Electric: When you’re away from home or during the night, adjust your thermostat. Do this for both heating and cooling.21) Online Freebies: There are tons of freebie websites. You may have to take a quick survey to get those items for free. It only takes a few minutes, take advantage of these sites and do the surveys. It is well worth it to save a few bucks.
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