It’s one thing to resolve to save more of your hard-earned money, and another to actually do so. Good Housekeeping Magazine offers five reader-submitted tips that can work wonders to help you stash away cash:
Add a dollar to your savings each week – Take the 52 Week Money Challenge and put away a dollar the first week, two dollars the second, three dollars the third, etc. Granted, it gets a little tougher each week, but by the end of the year, you will have $1,378 saved!
Downsize to one car – It may sound impossible, but if one car sits unused in a parking lot most of the day, you may be able to do this. When you calculate what that second car is costing you – including gas, maintenance, insurance, etc. – you may decide the sacrifice is worth taking a bus or train to work. You may even drop a few pounds by doing more walking – and you will be saving hundreds of dollars each month.
Stash away a few singles – Whenever you think about it, take a few singles out of your wallet and stash them away in an envelope. Chances are, you won’t even miss them. It will give you some available cash on hand in case of an unexpected expense. More than that, it will still build up, and you could pile up a couple hundred bucks each year. (More if, every once in a while, you stash away a fiver!)
Name your savings – Online-only banks will let you name multiple accounts (think Mama’s Spa Weekend or Hawaii, Here We Come.) When you see the names pop up on your statements, it makes savings seem like fun – and if you decline the ATM card, it takes days to get the money so you may avoid impulse spending.
Sort through your grocery cart – Before you head to the check stand, sort through your cart and eliminate items you don’t really need. If you can do without that candy or the bag of chips, put them back. It may seem like more trouble than it’s worth, but it’s good exercise and if you stash the cash you would have spent on those items, the savings will soon mount up.
Reprinted with permission from RISMedia. ©2014. All rights reserved.
Debbie Woolard Group
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www.DebbieWoolard.com
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Our focus is helping people find and exchange dream homes. We are seeking buyers and sellers that desire concierge level service including great communication, extraordinary representation and a continuing relationship for years to come.
You and your referrals will be provided with a great team of professionals to help with each step of the process. We are committed and passionate about negotiating the best possible terms and serving our clients at the highest level. Our goal is to create memorable real estate experiences where our clients become raving fans.
Our clients benefit by having a Certified Negotiation Expert on their side. This provides them with better results, a smoother process and greater satisfaction.
Whether a person is looking to buy or sell a starter home or a multi-million dollar estate, Debbie Woolard produces great results for her clients. She gives clients what they expect and deserve, an experienced realtor skilled in marketing and negotiations.
With Debbie Woolard, you will receive personal service as well as exceptional professionalism. She is well qualified for her work with her strong background of sales and marketing. Having been born here and continuously living in the area, she is familiar with the entire Hampton Roads region.
She has earned the professional designations of Certified Negotiation Expert, Certified Residential Specialist, and e-Pro. In addition she is also a Short Sale and Foreclosure Resource with extensive training in short sales and foreclosures. This uniquely positions her to help those in danger of losing their home to foreclosure. It has also proven to be beneficial to the buyers that are seeking to purchase a short sale or foreclosure.
She is well qualified to help professionals, business owners, military personnel and other clients with their real estate needs. She has been selected to work with both the Military Team and Relocation Team. She is consistently producing outstanding results in real estate.
Her first year in real estate she was awarded Listing Rookie of the Year as well as Sales Rookie of the Year. Her sales and loyal following of satisfied clients have grown each year she has been in business. She is in the top 1% of the agents in the area based on sales volume. Her practice continues to flourish thanks to clients recommending her to friends, family members and business associates.
Her clients state that her actions and attitude are best described with the word “integrity”.
Realtors with the Debbie Woolard Group service Virginia Beach, Chesapeake, Norfolk, Suffolk, Hampton, Newport News & Portsmouth with specialist in seller representation, buyer representation, military relocation, first time home buyers, short sales and real estate investment.