Saturday, December 20, 2008

5 simple ways to save yourself hundreds of dollar a month

1. Cash back at the pump

In the past five months gasoline prices have dropped 56%, from an average price of RM2.++ to RM1.80 per litre. Somehow, households found the money to pay the higher price and survive so now people should take that excess money they are saving and bank it.

Jean Chatzky, author and personal finance expert suggests using the money you were spending on gasoline to build up that rainy day fund or to pay some your holiday expenses instead of racking up more debt.

sape x pakai keta moto lagi la duet dah saving

2. Supper savings

Another great way Americans can cut costs each month is to eat at home, says Jonathan and David Murray, twin brothers who are financial advisers.

According to a recent Zagat survey, Americans will spend an average of $34 this year every time they go out to eat dinner, that's for one dinner, drink and gratuity; $76.00 if they live in one of the 20 most expensive cities. If a couple does that four times in a month the expense is close to $300 in low-cost areas and $600 in higher-cost regions, and if you have more than one drink or are treating family or friends, costs can add up quickly.

Plan a dinner or party at home and ask guests to bring a dish. If you're big on getting together with friends, family and work associates, this could save you hundreds of dollars a month.

3. Renegotiate bills

You may not be able to negotiate with the gas company or the electric company, but you can with credit cards, cable and phone services, among others. Do the homework and find out what competing cable companies, for example, are offering and ask your provider to renegotiate your bill. You may have to get through to a manager but Chatzky said she recently did this and got her monthly bill reduced by $50.

4. Smart shopping

Retailers are poised to have one of the worst holiday shopping seasons in decades and are offering deep discounts to move merchandise. But smart shoppers can save even more money by hunting down coupons. Before ordering online or going to a store, go to sites like and or Google the name of a store and often you'll get a coupon code to enter at checkout. You can save 10% to 20% or more on the total order or maybe get free shipping.

There are also coupons to print out and take to the store for deeper discounts. And don't be afraid to pit one retailer against another by asking for a price match on sale items.

beli brg yg perlu je.. yg x perlu xyah beli

5. Keep the receipt

It is important to hang on to all your store receipts and keep track of sales. Savvy shoppers can possibly save even more on purchases by checking back to see if the retailers lower prices even further. If that happens within two weeks of your purchase, most stores will credit you the difference.

i found dis article when i open Yahoo.

i will try to follow it.. nk saving...!!! nak SLR

p/s: kepada asnida hani, sila jangan boros.. igt! nanti tahun baru blnja aku.. jangan lupa

edited by: me


asnida hani said...

errrr....mende ni bleh apply kat sini ke??
cam x sesuai jek..

nape aku plak??

HaZyQ said...

dmana ada kemahuan distu ada jalan

asnida hani said...
This comment has been removed by the author.
asnida hani said...


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