Whether you want to eat leftovers, bring a typical cold cut sandwich, or prepare a quick microwave meal at work, skipping the daily lunch out will save you money faster than you think! If you’ve maxed out the amount of time you can work at your current job and you still need more money, you could try getting a second job. If you don’t want to have a more permanent job, try checking out your local temp agency.
Getting a roommate is a more permanent way to save money quickly, but it pays off in many ways!
Chances are your cable bill is at least $50 a month and can be well over $100 a month depending on what package you have.
You can replace much of your entertainment needs with a cheap or free alternative such as over the channels with an HD antenna, if necessary, or Netflix streaming. Insurance can easily be one of your largest bills, whether you pay monthly, every six months, or once a year.
We saved a few hundred a year switching our car insurance, which shocked us because we thought our previous company would always offer us the lowest rates.
If you need money quickly and you’re in debt, one of the quickest ways to free up money is to get your interest rates lowered.
The first thing I’d do is try calling your credit card company and asking them to lower your rate. 0% balance transfer credit cards are a great way to lower your interest while you’re paying off debt, but they are very dangerous because they increase your credit limits and allow you to go into more debt. Going into even more debt will get you in an even stickier situation and you have to stop incurring more debt right now!
Don’t forget, if you can refinance your car or mortgage and save money with lower rates, definitely consider it.
Take a look on your bank statement and credit card statements and look for recurring payments you make every month, quarter or year. I’ve worked with personal finance experts and many other personal finance bloggers to put together the ultimate list of money saving tips to help you save money. About Lance CothernLance Cothern, a Certified Public Accountant (CPA) licensed in the Commonwealth of Virginia, is the founder of Money Manifesto. Most people spend on stupid stuff like lattes, cable TV, shoes you don’t need and overpaying on everything. After reading personal finance blogs for many years I finally decided to start my own blog to help people become financially successful. It is imperative that you take the extra cash you earn or save by reducing your spending and put it in a safe place or a bank account.
If you need to sell something quickly, craigslist.org or a yard sale is probably your best bet. This means you can no longer eat out at restaurants or buy convenience foods at gas stations and convenience stores. If you really need to save money fast, then you shouldn’t be spending any money on food or drinks outside of what you can prepare at your home. That’s OK, because spending gas money to drive home would actually cost you more than staying at work and eating there. If this option is available to you, you’ll be able to get some extra money as early as your next paycheck! Working two full time jobs or even a full time and a part time job can be stressful, but it will greatly increase your earning power for the short amount of time you need some extra money. They can normally set you up with a quick job to make some extra cash and it won’t be a permanent solution. In addition to paying you for your rent or mortgage, you can also split your utility bills like electricity, water, trash, cable and internet with your roommate.
Do yourself a favor and make sure you’re getting the best rate you can get while staying with a reputable company. While it is probably near impossible to get your home mortgage or car loan interest rate lowered without refinancing, you can get your credit card interest rate lowered fairly easily in some cases.
Never make a purchase on your new 0% balance transfer credit cards and don’t you dare spend a dime on the card you transferred your balance from.
If you’re ready and think you can handle the requirements, check out my list of the best 0% balance transfer credit cards available today.
You can read more about him here or connect with him on Facebook, Twitter, Google+ or Pinterest. Information presented on Money Manifesto is intended for informational purposes only and is not meant to be taken as financial advice. If it is a big ticket item, you’ll probably get more money if you list it individually on craigslist than you would if you were to sell it at a yard sale. Rather than eating out for lunch or ordering take out for lunch every day, you’ll need to start bringing your lunch to work.
Try out some of my tricks to save $100s on your cable bill over a year that I shared in this article. Call around and get quotes for your car insurance, home insurance, renters insurance and any other insurance you may have. If they won’t lower your rate no matter what, then you might want to consider 0% balance transfer credit cards if and ONLY if you have sworn off incurring more debt. Whether you’re paying monthly for a Netflix, Hulu Plus, a gym membership, a magazie subscription or some other membership or subscription, if you don’t use it, quit paying for it!
Go check out the post now and you’ll be sure to find a few ways to save more money today. Figure out why you got into debt and how you can get out of debt even if you don’t know where to start.
While all attempts are made to present accurate information, it may not be appropriate for your specific circumstances and information may become outdated over time.
I am not a personal finance professional and you should seek out a professional before making any financial decisions.
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