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make great memories spending more time with them, making stuff and discovering new things. You will definitely find these alternatives cheaper and more rewarding.

 

Contact your credit card company then ask for a rate reduction.

 

Choose any of your cards that are carrying a balance and call up the company number at the back part. Negotiate for an interest reduction or you will contemplate on taking your business elsewhere. If the person you talk to will not be able to accommodate your request, then ask for the supervisor. When you think about it, if you have $5, 000 worth of balance with a 3% reduction rate, you can potentially save $150 every year.

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58 Clean out your closet.

 

Go through your wardrobe and focus on getting rid of some of the stuff. You can organize a yard sale or donate it to get a tax reduction. All the old stuff that are just sitting there can actually put more money into your pocket. Of course, it could also mean freeing up more closet space.

 

59 Choose term life insurance.

 

A lot of people believe that insurance is an investment. It is notSwitch. to a term insurance instead then you can use the difference of the cost to settle some of your debts or start your savings. Whole and universal policies are significantly more expensive. You are definitely better off getting yourself out of debt instead of spending extra on sub-­‐par investments.

 

60 When buying a car, go for fuel efficiency and reliability.

 

Instead of going for what’s popular or flashier, choosing a more fuel efficient and reliable car will save you thousands of dollars in the long run. For example, when driving a vehicle for 80, 000 miles, choosing a 25-­‐mile per gallon car over a 15-­‐mile per gallon will translate to 2, 133 gallons of gas. So if a gallon costs $3, that’s an astonishing $ 6, 400 savings right there. In addition, reliability can also pay great dividends, so do your research. Your efforts will pay off for you, big time.

 

Avoid going to shopping centers and stores just for entertainment.

 

Indulging to the need to window shop will only encourage you to spend more money on stuff that you don’t really need. Instead, seek other places to

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entertain you, such as the museum, the park or a friend’s house. Don’t substitute shopping as a form of entertainment and you will be better off.

 

Plan to invest on a small business and use business model that has a lot of potential of making you rich.

 

If you have not figured it out, entrepreneurs go into business since they have long realized working on a 9 to 5 job will not make them rich. However, going into business requires careful planning so make sure to cover all the bases. Start with a solid business model. If you can’t see yourself raking in thousands or millions of dollars with your business idea, you may want to explore more possibilities.

 

Carefully identify and isolate your core strengths then decide to build on them.

 

Find something you truly enjoy, this is a strength that you can potentially build and invest on. If you go into a business, it is best to venture into something that will allow you to express your strengths then you can develop it more through repetition. A lot of people have successfully reaped great financial rewards following this route. Check out if you can cash in on yours.

 

Choose to operate in an industry with high demand and significant profit margin.

 

You make profit based on the difference on how much sales you make and the amount of money you keep from every sale after deducting the cost of delivering the goods or service. If you enjoy greater margin, then you will need

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a fewer amount of sales to earn a million. Before getting into any business, calculate first the possible margin of the products or service you choose to sell.

 

65 Opt to use cash.

 

Instead of constantly charging your purchases to your credit or debit cards, choose to pay in cash instead for all those non-­‐bill spending such as gas, eating out and the groceries. Why? Paying in cash makes the experience of spending more real. There is also the fact that in choosing to spend cash, you have better control of your expenses instead of ending up spending more than you earn.

 

66 Make some minimal weekly savings transfers.

 

Try to deduct a few dollars off your disposable cash every week. You can start by transferring $20 or $40 per week and transfer it to your savings. It’s a relatively small amount that you maybe barely notice but end up saving a large sum of money over a period of time.

 

67 Choose to stay home instead of going out.

 

Going out will encourage you to spend unnecessarily since you will be tempted to eat at restaurants, stop at the gas station, go to the mall, etc. It is difficult, almost impossible to avoid spending when you are on the road so stay at home instead and seek other free entertainment. You can also use this free time to spend with your family.

 

Avoid getting catalogs or any other emailed announcements.

 

All these emails and newsletters are all designed by companies to sell you stuff. When you frequently receive announcements of cool new products or

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upcoming sales, it can be very tempting to make a purchase on luxury items or service. Choose to stop all those catalog and newsletter subscriptions so you don’t have to deal with trying to resist temptation.

 

69 Choose to cook at home instead of eating out.

 

This may be difficult to do especially if you are too tired to cook after a grueling day at work. Instead of expensive dinners or ordering deliveries and takeout fast food that are not exactly healthy, throw in a quick stir fry using fresh or frozen veggies. You can also research ahead of time some no-­‐fuss and 10-­‐ minute recipes, so cooking homemade and healthier dishes doesn’t have to be a real burden.

 

70 Use the envelope system when segregating your money.

 

This is following the same concept of paying cash. Use envelopes in order to split your disposable cash into the different categories. If you empty one envelope, then that means you have completely spent your allotment.

 

71 Learn the spreadsheet tracker hack.

 

There are a lot of expensive programs out there like Quicken, MS Money, etc. that can help you better manage your finances. However, you don’t exactly need to invest in any of those fancy software, especially if you don’t have a real need for all the bells and whistles that only cost you more. Instead, you can use Google Docs and Spreadsheets, which you can use to keep track of your bank account. You can indicate dates for every transaction, including titles and amounts, along with a little field for notes or memos and your running balance.

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72 Choose to pay debt and savings first.

 

Every time you sit down to go through all your bills, choose to pay or allocate

 

money first for your savings then make your debt payments. If you constantly

 

choose to allocate money for your savings for whatever is left, you w

 

frequently end up shortchanging it. So choose to pay for your savings first. This

 

will help you effectively cut back on your expenses.

 

73 Get rid of cable TV.

 

A lot of people spend too much time in front of the television, a pastime that is not exactly productive. Instead of spending on cable subscription, you can choose to download or rent DVDs online and only watch the movies worth watching and not spend time scanning useless shows you find on TV most of the time.

 

Choose to use online savings instead of traditional bank savings accounts.

 

There are a number of online banks that offer twice as much interest than the normal banks. However, you will not get an ATM account or be provided with a convenient way to withdraw funds. This of course can work to your advantage since you can effectively curb the inclination to purchase things on impulse.

 

75 Choose to find happiness in life and not in spending.

 

A lot of people choose to buy stuff thinking subconsciously that it will help them find lasting happiness. These are the consumers who always feel the need to have the latest gadget, the fanciest car or the most popular pair of shoes. Truth is, when you buy stuff, you will be happy with your purchase for

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about a day or two at most. After that, you will again feel the need to buy some more, which becomes a never-­‐ending vicious cycle. Instead, choose to love and enjoy life. You can choose to find joy in nature and the people around you or perhaps in doing things that you really love. There are so many things in life that can provide you more happiness, all without the need to spend.

 

76 Turn your hobby into a profitable venture.

 

The thought of doing something you are extremely passionate about and making profit out of it is too good of an idea to pass up. If you love dabbling with web design, hone your craft and consider monetizing your creativity by taking on logo projects and web design projects on the side. If you love cycling, you can earn extra income by repairing and maintaining bikes. People who love to bake are making a small fortune selling their creations or some high-­‐end cookware sets.

 

77 Learn to use your credit cards strategically.

 

Choose the right credit card to complement your spending habits so you can make the most of using credit cards. Choose cards that give reward points for purchasing things that you normally spend on. So before merely using a card because it’s available, make an effort to study what card to best use to purchase what.

 

78 Consider engaging in paid testing.

 

Become a paid tester. There are a lot of medical companies as well as cosmetic developers that pay testers to personally try their treatments and products. In order to become eligible, you will need to meet a certain set of requirements.

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79 Make blood plasma donation.

 

Unknown to many, blood plasma is a relatively high in demand commodity. The great thing about making blood plasma donation is the fact that you can actually go in and donate twice in 7 days, just as long as you have at least 2 days in between. You can generally get about $20 to $35 for every pint.

 

80 Discover earning money through recycling.

 

Try to check out if there are any recycling facilities near your locality. There are many towns that have several scrap metal recycling facilities, which can pay you for every pound of metal you bring in. In addition, if you live in a state where you are required to pay a deposit for every glass bottle, choose to return them to get the deposit, instead of throwing them out. However, keep in mind that it is illegal to do this across the state lines.

 

81 Take on some odd jobs.

 

If have the knowledge and expertise to do repairs, cleanups or yard work, you can make sure quick cash offering your services for such jobs. In fact, if you own a truck, you can offer your services to haul away debris and earn serious money when done on a regular basis.

 

82 Get a promotion.

 

If you are not really comfortable of the idea of asking for a salary raise, the next

 

best thing you can do is earning that raise by getting a job promotion. It’s a widely accepted fact that if you do more, you are expected to be paid more. So how about working towards advancing your career and earning that promotion? Of course, that would mean you need to perform well and take the necessary steps to highlight your achievements in a subtle way. However, you

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need to check if there is really room for growth in