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Shop less, save more

  • Know your budget and stick to it Ė donít be tempted to spend more.

  • Look for sales and discounts. But donít buy something just because itís on sale. If you donít need it or wonít use it, itís a waste of money, no matter how cheap it is. Also, watch for prices that have been raised and then put on ďsale.Ē Youíre not really getting a deal.

  • Buy used or second-hand when possible. It's not just cheaper, it's also better for the environment. For instance, will a used car meet your needs just as well as an expensive new one?

  • Compare prices on the Internet instead of driving to different stores. Consider buying online, too Ė it sometimes cost less. Just remember you will pay shipping fees, which adds to the price you see.

  • Plan your spending Ė donít buy on impulse. Try the item before you buy it to be sure itís what you want. For example, rent a bike for an afternoon to see if you really like it. It's better to spend a few dollars to try it out than spend several hundred and find you hate it!

Saving on food

  • Never shop on an empty stomach. You'll buy more because you're hungry.

  • Make a list before you go to the store; it helps you remember what you need and youíll be less likely to buy things you already have. If you can avoid last-minute trips to the convenience store, youíll likely save money.

  • Donít shop by committee. When a group of people buy groceries, you always buy more than you need.

  • Check the newspapers and flyers for coupons and sale notices. Visit store web sites for printable coupons. Over a year, you would be surprised how much you can save!

  • Plan meals based on whatís on sale.

  • Buy extra when something is on sale Ė as long as you can store it and use it later.

  • Consider buying cheaper brands. For example, store brands can cost less and be just as good as national brands.

  • Shop where prices are lowest. Be loyal to saving, not to stores!

Saving on clothes

  • Buy in the ďoff season.Ē Clothes are always cheaper at the end of the season.

  • When you buy new clothes, make sure they match things you already own. Mixing and matching gives you more outfits for less money. And, youíll use less closet space.

  • Avoid fads Ė stick with the classics and youíll never be out of style. Or spend less on items youíll only wear a few times.

  • Donít spend a lot on kidsí clothes Ė they will quickly outgrow them. Shop at discount stores for these items.