Ways I Use To Save Money

BA's with High Pay

2012-01-05T09:36:00.004-06:00

Bachelor's degrees can be high paying if you are willing to be in engineering or science for 8 out of 12 careers. Women are making inroads to engineering and
science as professions for career choices because of the financial security it offers. Let's start in reverse order and you will see what I mean.

Bachelor's Degree / Avg. Starting Salary

English $39,600

Psychology $40,100

History $40,100

Accounting $49,700

Systems Engineering $59,000

Materials Engineering $60,000

Computer Science $63,000

Mining & Material
Engineering $64,000

Chemical Engineering $66,000

Computer Engineering $75,000

Petroleum Engineering $81,000

Electrical/Electronic
&Communication Eng. $93,000

Universities that have professional and placement relationships with the companies or industries associated with your course of study should be sought out in high school.
Nothing substitutes for planning early regarding your career.

Combine Rewards Programs

2011-07-05T08:31:00.003-05:00

One way to create synergy maximizing cash back and rewards points is to plan
what card or program to use when purchasing something you need and doing that
with a cash back program. After years of seeing different sales compensations
plans you become keenly aware of how to combine programs, discounts and rewards
to your best possible benefit. Most cash back programs yield 2% to 6% direct
cash back to you. Now by using a reward credit card to receive points for your purchase you have increased your discount on what you bought raising the yield
to about that 2% to 6%. This is getting two for one, but it is spread across two programs. Do it often enough and you become great at getting other things at a greater discount. Best times to shop are when you make a volume purchase for
example Christmas time, back to school and other holidays or special times.

$200 Worth Free Gas Every Year

2011-04-29T07:37:00.005-05:00

This is simple and easy to do. Sign up for Wheel of Fortune Wheel Watchers Club on line and answer the Bonus Puzzle, Jeopardy clue and answer and Sony Picture Television questions worth 10 points. Get a Sony Card and double your points so you can earn 80 points a day. When you earn 3500 points you can order a gas gift card for $25.00 dollars, that is about 8 times a year. I am sure there are other rewards programs that provide gas gift cards, seek them out and find one you can easily accumulate points to spend on gift cards and other useful items.

Saving On Car Rental

2011-04-18T08:09:00.005-05:00

Low cost car rental on vacation is a must when you fly. A complete package of air, hotel and car rental is usually the best way to go. Other than working for a major
car rental company you will get you best rate from the last minute deals through
the car rental web page or travel site web page.

To illustrate on my last vacation the rental rate was over $400 for the week in Orlando through the airline site. I knew from experience that I could get a better rate for the week if I would work on the computer to find it. My first thought
was to get a free certificate from my hotel points program, which I did but since it was Spring Break season the car rental company would not honor that free certificate. No worry, I could use it later since I have a full year. Next I logged on to search for the best last minute deals at the major car rental companies and found one for $227 complete with taxes. Mission accomplished total spent with gas and fees $280 verse $450.

Buy The Sales Using Coupons

2011-01-28T17:21:00.003-06:00

This is the best way to get the best price from a retail store. Buy the items that are on sale and use a coupon with that sale item. Can you say stock up time! Clipping coupons and keeping track of is painful and work. Get an envelope making dividers out of cut index cards or a good coupon organizer from the dollar or discount store. Organize by category works best, but using expiration dates will help you with trashing old or out of date coupons.

Make More $ Save More $

2010-10-25T08:50:00.004-05:00

It is good to see if you prepare well you will do well. There are some suggestions for 15 high paying careers to make at least $50 per hour.
Computer and Information Scientist
Marketing Manager
Pharmacist
Construction Foreman/Superintendent
Funeral Director and Embalmer
Financial Aid Officer
Securities Trader
Behavioral Psychologist
Adult Day Care Director
Seismologist
Judge
Human Resources Manager
Physicist
General and Operations Manager
Co-Pilot

Saving With Reward Points

2010-09-07T15:39:00.004-05:00

By using reward points I have received a HDTV, gas cards, food from Omaha Steaks
and other items. Christmas shopping can be done with reward points and the best
part of this shopping is the items your order are delivered to your door or can
be delivered to the door of the person you are giving the gift.

Not Enough Money To Save?

2010-09-02T13:49:00.005-05:00

That is a problem for a number of people but there is a solution. Get a part time job, start a business or turn your hobby or talent into cash by selling some of your work.

A part time job will give you the extra money to save if you are disciplined enough to put the money away and not spend it. The trade off for a part time job is the time away from your family, friends or fun things you like to do. You may even
like it enough to consider a change in vocation. Many retailers have seasonal openings as well as during the year.

Starting a business may take more time to provide you with funds to save. Unlike
a part time job a salary is not an immediate benefit. Be creative and think
about things you like to do and if others would pay you for your services and or products. Things that come to mind are painting, lawn care, show shoveling, window washing, car washing, photography/video taping, moving, DJ for parties/events, dog walking, and a host of many more. Also consider some of the successful network marketing companies as a possibility. A business will require start up money or an investment.

Turning a hobby or talent into cash is a little more tricky. Some people make jewelry, paint pictures, make ceramic items, or do other creative one of a kind
type thing. Tutoring can fall into this category as a service or a business or
part time job. Getting this off the ground may require an investment or start up cost. I hope I have given you some food for thought.

Why An Emergency Fund?

2010-08-25T13:19:00.004-05:00

Because you will have a need for money and no one has you in there monthly budget.
We all have had friends and relatives claim to need a short term loan, but are
never quite able to pay you back in a timely fashion if ever. Thus you need your
own emergency funds that you never lend from because it is for your rent/mortgage
or bills.

You should have 3, 6 or even 8 months of expenses in a savings vehicle that is liquid you can use without paying penalty fees should you need the money. Now that you
have budgeted and know where to cut and sacrifice you should earmark part or all of
those funds to build your emergency fund. The fund will be used if you find yourself unemployed to last until you can find employment. Try not to disturb your 401K or IRA for emergencies and the fund will help you not sabotage your future.

Saving Prior Step

2010-08-22T08:03:00.003-05:00

The very first step is to know what you are spending. Make a list of what you
spend bills, entertainment, health care, gas, newspaper, coffee, lunch, candy-gum,
tithes, offerings, charity and gifts for three to four weeks. You will see how
much you are spending and where you may be able to cut back (not tithes/offerings)
so you can save. Do this by pen and paper so it will easy to carry or spread sheet so it will accessible.

Identify any impulse spending you do and think about the why you are buying something not planned or needed. This may be the first items you need to cut in order to save. Make no mistake saving is a sacrifice, for example Saturday my wife wanted lunch immediately. We were only 15 minutes from home, not a great distance in miles or time. This was pure impulse since I had grocery shopped earlier that day. We had fresh new food waiting for us at home. Yes, we had lunch out, sometimes it is better
not to be logical and argue. My sacrifice that day of pocket spending money was worth the impulse and happiness.

Went to Hawaii 3 Times and Saved

2010-08-19T09:01:00.002-05:00

Imagine this the first time I paid to go to Honolulu, air fare, hotel car and entertainment in 1984. It was great the air, the warmth, the pineapple and the wonderful aquarium all very expensive. So I needed to get smarter and to save money.

The next time I went to Hawaii 2003, the big island of Hawaii (simple too long to stay away)I flew, lodged and rented a car for FREE using points from a rewards program. Being in sales most of my life I maxed out the program so I could go and just had money for food and entertainment. What a great vacation and time.

The third time I went to the big island 2008 the rewards program eliminated the air fare but keep lodging and rental car, still a good deal. This is a hotel rewards program linked to a credit card I began in the days when I frequently travel for my sales position. I concentrated on one that was the most flexible for my needs.

Go To The Movies For Free

2010-04-27T16:27:00.000-05:00

Yes, it is possible. First you must belong to a rewards program. I use Wheel of Fortune and my bank rewards program. Second, build up the points to receive your movie passes, then order them. Next get in a movie reward program like AMC or Regal. You can receive free tickets, free popcorn and soft drinks for frequency of visits. AMC has free popcorn on Wednesdays, small bag is fine due to fewer calories. All of this is managed online, remember maximize the rewards plan by accumulating the most points quickly.