HOW TOCUT DOWN ON MONTHLY

SPENDINGb y D o u g l a s M e l z e rd o u g l a s m e l z e r . n e t

WRITE EVERYTHINGDOWN

Keep a notebook orspreadsheet detailing dailyexpenses. Review it each

month and decide where tocut costs.

BRING LUNCH TO WORK

People spend on average atleast $100 a month onstore-bought lunches.

Bring your own lunch towork and put that $100

into savings.

COOK AND FREEZEMEALS

Buy products to cook mealswith in bulk. Make a lot ofevery meal you make and

put leftovers in the freezer.This will save money andreduce the urge to eat out.

DITCH THE CARDCredit and debit cards

allow us to spend moneywithout realizing

repercussions. Limit yourspending by only using

cash that you take out atthe beginning of the week.

ORGANIZE POTLUCKS

Catching up with friends isgreat, but not if it racks up

a huge restaurant bill.Organize more potlucks

instead to socialize withoutlosing money.

SLEEP ON BIGPURCHASES

If you want to make apurchase that is a largeramount than you usually

spend, wait 48 hoursbefore buying. This will

ensure you are making theright decision.

NO MORE IMPULSEBUYS

Sure, one cup of coffee orone bar of chocolate maynot seem like much at thetime, but those things tend

to add up. Stop impulsepurchasing to save money.

COMPARE GAS ANDELECTRICITY

Many people are payingfor gas and electricity, but

do not know if they aregetting the best price.Make sure to compare

prices!

BE AWARE OF DEALS

Those who save the mostmoney are constantly

scouting for deals on thingsthey want or need to buy. Ifyou need to buy something,always look for a discount.