100 s m al l ways

to save

BIG
Have more for the things you want

courtesy of
Save for your future:
Small steps go a long way

Every day you make many decisions about how to spend your
money. Whether you’re grocery shopping, driving to work, paying
bills or just watching TV, there are small things you can do to
spend less. This booklet has 100 ways to help you start saving
money today!

When you save money on everyday expenses, you’ll be able to buy

things that really matter to you. Tips with or symbols
can help you save Big – think of all the better uses for that money!

Think carefully about each tip and decide if it’s something you can
commit to doing. Check the corresponding box and remember
that for every “Will do” box you check, you can save real dollars –
but you have to stick with it!

If you save $5 every day, you’ll have over $1800 in

a year. Think of what you could do with that money.
Utilities: Plug into savings

Review your phone bill. Cancel home phone or added services you don’t
need or use (Caller ID, three-way calling, call waiting).

If you have a landline phone disconnect it or cancel the long distance and
use your cell phone.

Replace your light bulbs with compact florescent (CFL) bulbs.

Install a programmable thermostat for heat and air –

lower your home’s temperature when you are away or
sleeping to save big money.

Use exhaust and/or ceiling fans for comfort rather than air
conditioning.

Review all cell phone, home phone, and cable services/contracts and
inquire about better deals. They do exist!

Replace your showerhead with a low-flow model and save 30% on your
hot water bill.

Keep blinds and shades closed in the summer to avoid high cooling costs
and open in the winter to keep heating costs low.

Unplug phone chargers and computers when you aren’t using them.

Let your hair air dry after showering rather than using a hair dryer.

Install a hot water heater blanket and reduce its temperature by 20%.

Keep lamps and televisions away from thermostats as this will give
an inaccurate reading, forcing your air conditioner to run more than
necessary.

Using glass cookware will allow you to reduce your oven temperature by
25 degrees, saving you on energy costs.

Avoid over-packing your refrigerator and freezer. This causes your fridge
to work harder to keep everything cold, using more energy.

Avoid using your oven in the summer. This heats up your home and
causes your air conditioner to use more energy to cool it back down.
Instead, use a crock pot, outdoor grill, or electric skillet.

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Home Management:
Savings start at home

Avoid buying dry-clean-only clothes.

Buy a steamer. Wash and steam dress shirts instead of dry cleaning.

Hang dry clothes when possible.

Look for used clothes at thrift stores or on eBay, especially for kids.

Wash clothes in cold water. 85% of the energy used by your washing
machine is from warming the water.

Wash your own car.

Always compare prices online for large purchases. You may save
money and sales tax.

Change your furnace filter regularly. Keep a log to help you remember.

Buy clothing off-season at clearance prices.

Buy classic clothing that will not feel outdated next year. Buy one trendy,
inexpensive accessory to feel current if you must.

Call your mortgage company and find out how to cancel private
mortgage insurance.

Be sure you have filed for your homeowner’s exemption or senior

citizen exception for real estate taxes.

Check with your lender to see if you can make half of your mortgage
payment every two weeks – it saves on interest. BUT, do not pay a service
to do this for you. You can do this for free!

Make an effort to do work yourself that you would usually hire out (i.e. lawn
work, home repairs, painting, cleaning, etc).

Close off unused rooms in your home to save on heating and cooling
costs.

Check all the faucets in your home for drips. These little leaks can add
surprising amounts to your water bill.

Only use your dishwasher when it is full. Setting your dishes to “air dry”
will also save on energy costs.

You probably have many items around your house you would
return if you could. Selling these items on eBay can be a great
way to earn some extra money while ridding your home of clutter.

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Entertainment: FREE time

Get books and DVD’s from the library instead of purchasing or renting.

Stop newspaper subscriptions. Most newspapers can be read online for

free. Do buy the Sunday newspaper for coupons for things you normally
buy.

Stop magazine subscriptions. Read magazines at libraries.

Search for online coupons. They can be found for everything from
amusement parks to restaurants and grocery stores.

Only go to a discount movie or matinee.

Eat before you go to the movies or a sporting event to avoid buying

expensive snacks at concession stands.

Search the internet for free events in your area. Many museums, plays
and other cultural events will have a free or discounted day.

Cancel cable/satellite TV or drop to basic only.

Slow down your internet usage or use the internet at the library for free.

If you enjoy going out to the movies, buy pre-paid tickets in bulk for a
discount.

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What will you do with your savings?

Transportation:
Deals on wheels

Use public transportation or car pool.

Drive the speed limit and save on both speeding fines and gasoline.

Do basic car repairs yourself (wipers, light bulbs, car washes).

Properly inflate your car tires to save on gas mileage.

Review auto insurance and drop collision/comprehensive coverage on

older vehicles.

Remove unneeded services from auto insurance (roadside assistance, car

rental coverage, towing coverage).

Review all insurance policies and get competitive rates.

Avoid driving during rush hour.

Park in the shade. This will reduce your need for A/C when you drive.

If your car is going to idle for more than 10 or 15 seconds, turn it off. It will
conserve gas and is actually better for your engine.

Ride a bicycle or use public transportation whenever possible.

+ =

If you put $1800 in a savings

account every year, you’ll have
almost $10,000 in five years.
Money Management:
Take it to the bank

If you ever pay ATM fees, switch to a bank with more local ATMs to avoid
foreign ATM fees.

Move your savings account to a higher interest online account.

Raise the deductible on your homeowner and auto insurance.

Use online banking to pay bills and avoid postage, cost of checks,
envelopes, and possible late fees.

If your bank charges fees, get a free checking account with a bank where
no fees are charged.

Watch credit card statements closely for added fees and increasing
interest rates. Prioritize your debt repayment, paying the highest interest
first.

Never make a purchase over $50 without shopping around.

Never make an impulse purchase of more than $10. Give yourself a

cooling-off period to think about it.

Call creditors to request reduced interest rates on credit cards.

Cancel credit card insurance or credit protection plans.

Pay with cash (research shows we spend more when we use plastic). If
you must use a card, use one with rewards. (Only if you can pay it in full
each month)

Enroll in your company 401(k). If they have a matching program,

you’re throwing away free money by not using it.

Review your credit report. You may find inaccurate information

that is causing you to pay higher interest rates or insurance premiums.
This is also an important measure to guard against identity theft.

Track your monthly spending. Pay close attention to areas that you are
being nickeled and dimed and work to reduce or eliminate those items.
Awareness is the first step towards financial control!

Pay bills on time and avoid costly late fees.

Call 1-800-FREE-411 for free directory assistance. You may have to listen
to a recorded advertisement before receiving service.

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Food & Health: Food for thought

Stop the daily coffee or latte fix and save up to $1800 per year. If you
must buy coffee on the go, cut your consumption in half.

Only go to the grocery store on a full stomach.

Go to the grocery store with a list and stick to it.

Buy meat on sale and freeze it.

Do grocery stock up once a month at a lower priced food store.

Buy toiletries from a supercenter instead of the grocery store, where

they are usually more expensive.

Many prescription medications have generic versions that are

much less expensive. By law, these prescriptions must be the exact same
formula as it’s brand name counterpart, saving you lots of money.

Call around to different pharmacies including mail order for the best price.

Mail order pharmacies can send you three month’s worth of prescriptions
at once. This will save you on co-payments.

Bring your lunch to work, OR only order out once a week.

Do all of your shopping and errands in one trip each week. Plan
ahead of time to minimize the number of miles you drive and be prepared
with a shopping list. This will help you limit the number of impulse
purchases.

Stop smoking. $5 per pack per day is $1800 per year.

Some grocery stores double the value of your coupons on certain days
each week. Be sure to shop on those days and try to match the items with
a sale for maximum savings.

+ =

A balance of $5000 on a credit card

with 21% APR will cost you
$1050 every year.
Food & Health
Cook homemade meals. It’s cheaper and healthier!

Grow your own garden for some basics.

Plan ahead – cook meals on the weekends to avoid last minute dining out
and make enough to bring for lunches.

Go to places where/when kids eat free.

Beverages can add large amounts to your bill when dining out. Water is
free and the healthiest choice as well.

Always check unit pricing at the grocery store.

Cancel your health club membership. (You probably don’t use it and if
you do, walk, bike or jog for free instead.)

When dining out with a friend, order one entrée to share. Many
restaurant portions are very large.

Drink less alcohol. It’s expensive and adds calories.

Avoid frozen dinners or prepared entrées. These cost way more and are
usually much less nutritious.

Shop the perimeter of the grocery store. It’s fresh, cheaper and healthier.

Make an effort to only buy toiletries, cleaning supplies, and non-perishable

food items when they are on sale.

Many stores offer free discount cards that give you substantial savings
every time you shop. Get these for stores you frequently shop at for
necessities.

Avoid frequent trips to the grocery store. Getting everything you need in
one stop decreases the likelihood of multiple impulse purchases.

Look high and low for savings! The most expensive brands are usually
eye level.

If going out to eat is important to you, try to go out for lunch instead of
dinner. Many restaurants feature lunch menus with reduced prices.

Get a good night’s sleep! Lack of sleep has been proven to increase
healthcare costs and the number of days you must take off work because
you are sick.

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How did you do?
Add up the number of “Will do” and “Did it” boxes you
checked at the bottom of each page. Then add those
totals together for your Grand Total of ______.

Here’s what your number means:

80-100: Great job! You really understand the importance

of saving. If you stick to it, you’ll have tons of money to
spend on things that really matter to you.

60-79: Good job – you should be proud of yourself.

Focus on the tips you’ve committed to and watch how
much you save. Enjoy your extra money and remember,
there’s more if you’ll follow the other tips.

40-59: You’ll save a nice amount, but you should try

harder if you’re serious about saving. Didn’t your parents
tell you that money doesn’t grow on trees?

0-39: Oh, come on, you can do better than that! You
worked hard to earn your money – don’t throw it away!

Make a commitment to yourself!

I will set up an online savings account and deposit
$ _______ every month.
You can do it!
But if you need motivation...

Place a picture here

of what you will do
with your savings.
(You know - the things you want - like a vacation,
new shoes, a guitar, freedom from debt,
a down payment on a house or car,
college for your kids, etc.)

Keep and review this

booklet frequently.
 Successful money management
is having your money do for you
what you want it to do.”
- Michael J. McAuliffe, President of Family Credit Management

For more great ways to save, visit:

www.stopthinksave.org
www.familycredit.org

For the following free educational materials,

please visit our website or call 800-994-3328:

My Spending Plan
My Spending Plan for Christians
Understanding Your Credit Score
Identity Theft
Cease and Desist
Financing Your College Education
Debt Management Program
Soldiers’ and Sailors’ Civil Relief Act
Biblical Principles of Tithing
Stop. Think. Save! kit

The goal of this publication is to provide financial education and ideas for consumers to consider. The
contents may address legal issues, but it should not be treated as legal advice. Such advice can only be
properly given by qualified professionals who are fully aware of the reader’s individual circumstances. All
information is deemed accurate and reliable at time of printing. We are not responsible for inaccurate
information. We are not a loan company. We are a licensed debt management service provider. 07/17/08