Proper understanding about the use of fillable PDF forms

Comprehensive studies have shown that a lot of people that make use of fillable PDF forms primary do so due to the fact that they would want to gather customer data. Moreover, the fillable PDF forms have also been used by various companies in order to make a good data entry on all the customer data that they can gather and make use of at a later stage. Fillable PDF forms have been around for quite a while, but they have not been able to gain the kind of popularity that you would associate with quality software.

It is primarily due to the fact that most of the people still make use of some sort of comprehensive, customized solution in order to gather customer data. So, in order to take care of that issue, one has to realize and understand the benefits of going for the fillable PDF forms. It is pretty easy to use, and due to the high rate of usability, there are no absolute issues with any kind of compatibility in terms of hardware. So, you will definitely enjoy working with such a platform, and bring about a lot of change to how you end up gathering proper customer data.

Alternative Approaches To Defend Yourself from Assailants

It is fearful for a person to live in this world because of situations that take place unexpectedly. The quick responses of most individuals who encounter such dangers is to think of counterattacking. You need to stay away from any kind of thoughts of being unbeatable when you practice self-defense. You need to be smart and skilled in these situations.

You have to be aware to every possible move that may reach you apart from thinking how you can avoid an attack, which will take some time. You need to fight back as a form of self-defense. If you know how to make a fist, you can defend yourself then. You properly flex your knuckles to form a fist and aim a strike to the vulnerable body parts of the opponent, like the nose and chin. You will be able to escape from your attacker after giving him a major strike.

If it is really hard for you to use your fist, the strength of your legs can do so. Strive for the most sensitive area of the enemy by giving it a solid kick. Make it solid and powerful to shock your enemy with tremendous discomfort and escape. Never lose focus to your enemy and be mindful of what is all around you.

For opponents to dominate, they will provide you with bear hugs for them to hold you tightly. What you must do to get away from a tight grip is to go down, squat immediately and move your hips sideward. This way, the most delicate body part of your enemy will be hit hard. You need to escape away from him after giving him a solid hit.

Manage your time smartly so you are able to pace yourself. With correct timing, you can defend yourself properly. You will understand what self-defense is all about in the future. If you were pleased with this article, or prefer to provide us with any remarks, then head to www.tacticalgearexpert.com and contact us there.

Kiefer Sutherland : Waited a long time to hold my grandpas hand again

As I promised you to come up with all kinds of updates about your beloved 24 series, today I’ll let you know how Kiefer Sutherland went emotional while unveiling his grandpa’s statue.

You know guys, Sutherland travelled all across to Weyburn town of Canada to unveil socialist icon Tommy Douglas’ statute. You probably know that Douglas is the grandfather of the 24 star. While holding the hand of the renowned socialist, Sutherland said, “I have waited a long time to hold my grandpa’s hand again.”

I guess most of the people has seen him such emotional after a long time. By the way, if you wish to catch him in all kinds of moods then watch 24 online on this super website.

Sutherland must have been in deep love with his grandpa. And that’s why he just took no time to reach Weyburn, last week. He also appreciated the work of sculpture for carving out such a ‘gorgeous’ piece.

While remembering his grandfather, the actor said that he lost Douglas during his teen age and he greatly misses him. Addressing the gathering, he said that it was his grandpa, from whom he came to know the greatness of Weyburn town.

Lots of people also gathered to see the man who portrayed the role of CTU agent Jack Bauer. In case you are missing Bauer, then watch 24 online Season 5 here.

I must say that over the period of eight years, the actor has created his own niche in TV action genre, which is hard to attain by any contemporary star. If you want to go through all his performances, then download 24 from this site, with maximum ease.

According to me, the statue unveiling event had been a good reason for Sutherland to visit the ancestral town of his grandfather. Well, he also received hometown welcome from the people! And the people who gathered to pay tribute to Tommy Douglas also deserve much of applause as they took no care of heavy shower.

Even though Douglas was known to the world as great socialist politician, he was adorable to Sutherland only as a grandfather. So let’s watch 24 online free to celebrate the actor who cares for his love ones, long after they had gone.

Wedding Cake – The Sweetest Marriage Ceremony

Wedding being the most prestigious ceremony of our life needs to be witnessed with all the top class arrangements of the world. Everyone wants their marriage to be the best day of their life. This is the day, which fills extraordinary memories in the lives of both the bride and groom. Marriage is the day, which every girl and boy wait from the day, he sees the marriage of any of his friend or relative. It is one of its kind event, which lasts for a lifetime. 

With the modernisation of the wedding ceremonies, a new ceremony, which has been added to mark the celebratory moment of the wedding, is the cake cutting ceremony. It is a ritual, which has to begin a few days back and has its roots from the western culture. The cake cutting ceremony for the marriage is seen at the reception grounds of the bride and the groom.You can explore various wedding cakes at www.onlinebirthdaycake.in/.

Cake cutting is an essential part of the reception. These days, it's not just a mere cake cutting ceremony; the ceremony is celebrated with great splendor and happiness. A lot of focus is given to the fact, that the cake bought to celebrate the wedding ceremony, matches the scale and the importance of the function. No more are the days, in which white cake was prevalent and was the only option to celebrate the occasion. 

Pay Yourself First – A Small Step in the Right Direction

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You’ve undoubtedly heard the phrase “pay yourself first” somewhere along the way in your travels. You might vaguely recall hearing this valuable nugget of financial wisdom from someone you know or maybe you read it somewhere in a book or online – but what does it really mean?

As the term implies, to pay yourself first literally means just that, putting yourself at the very top of the list of things to pay. The first thing to come out of your pay should be a payment to yourself. A pre-determined percentage of your income should go straight into an RRSP, tax free savings account or any other savings or investment vehicle you have set up.

How much you put away doesn’t matterwhat does matter is that you put away something and start as soon as possible. Thanks to the wondrous power of compound interest even the smallest contributions over a long period of time can grow into a very substantial nest egg by the time you reach retirement age.

Pay yourself first is one of the golden rules for builidng personal wealth. It’s a proven strategy that has helped make alot of people rich. Incredibly, most of us are not doing it, myself included until a few years ago. Thanks to David Bach’s book Start Late, Finish Rich I now know that there’s still hope…even for late starters like me.

If ‘pay yourself first’ really works then why isn’t everyone doing it?

Good question! One reason could be because most of us have learned that bills come first. Things like your mortgage, car payments, groceries and the phone bill take priority and always get paid before anything else. Whatever’s left over is used to pay for everything else. Inevitably all the money gets spent on other stuff and usually leaves you with no money left over for savings. Therein lies the problem.

The other problem with living this way is that your just keeping your head above water. As long as your lifestyle remains the same you’lll be treading water and keeping afloat financially. Unfortunately, this also means you have virtually no chance of ever getting ahead financially… unless of course you win the lottery. Furthermore, any sudden lifestyle changes such as a large purchase or loss of income will make your already precarious situation even worse and you will be forced into debt.

Ready for the good news? Even if you always find yourself running out of money before the month’s end it is still possible to pay yourself first. The key is to make it automatic and as painless as possible (another David Bach concept).

Why it’s important to pay yourself first – starting today!

Right now when you get paid, who gets paid first? Give yourself a pat on the back if you guessed the tax man. Why is that? Because, prior to 1943 taxes were not automatically deducted from workers pay checks like they are today. People got their cash and paid their taxes later. This was a problem, people weren’t saving enough money to pay their taxes and wound up owing the government.

That’s when the government got smart and started automatically deducting taxes from our pay checks. Now our taxes get paid and we don’t miss the money because it was never ours to begin with.

Hmm, Maybe they were onto something there!

Like the Government, you can make sure you are paid first by automatically deducting from your pay check or bank account. Take it off the top and the money you intended to save gets saved. Bottom line – no over-spending, no unexpected expenses and no more cheating yourself out of savings. As an added bonus you can save yourself even more money by contributing to a tax deductible retirement account such as a RRSP or 401(k).

Here’s a scenario to further illustrate my point about why its important to pay yourself first now instead of later:

*Assuming a growth rate of 10% til age 65.

  • Janie is 20 years old and contributes $200 a month to her RRSP
  • George is 40 years old and contributes $800 a month to his RRSP

– By age 65 Janie will have contributed a total of $108,000, the total value of her investment will be worth a whopping $2,096,500.34.

– By age 65 George will have contributed a total of $240,000, the total value of his investment will be worth $1,061,466.72.

How to pay yourself first

Automating the process of paying yourself first is simple, the only real challenge is actually finding the money to save. You can’t commit too much money to savings afterall you still have bills to pay. A little creativity may be in order. Remember, the amount you save is not important – just save whatever you can no matter how small the amount – you can work on increasing it later when your circumstances change.

Now for the easy part – making it automatic. Here are two examples of how you can pay yourself first via direct deposit:

  • Setup a direct deposit into a high interest or tax free savings account – This is ideal for short term savings goals like saving up for a major purchase like a vacation getaway or paying for home renovations.
  • Enroll in your company’s group retirement plan – Take advantage of any matching contributions your employer offers and watch the magic of compound interest at work as you build your retirement nest egg.

You could also set up a payment plan that is a combination of both of these examples, two or more separate deposits for short term goals and long term goals.

Still struggling to find any money to commit regularly to your savings plan? Consider focusing on just depositing work bonuses, pay raises any other extra money that comes your way until your circumstances change.

When money is tight, putting away money for a rainy day is hard – blaming the rain for not putting away money is easy. Pay yourself first today and your efforts will be handsomely rewarded tomorrow.

How to Save Money: Make it automatic and watch your savings skyrocket!

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Like everyone else you probably think you already know everything you need to know about how to save money. It’s a pretty simple concept after all, not exactly rocket science right?

Ask yourself these two questions:

1) Am I doing everything I can to maximize my savings?
2) Am I paying myself first?

If you answered ‘yes‘ to both questions congratulations! You do know how to save money and are probably right on track to reach your savings goal(s). If you answered ‘no‘ to either question, don’t worry! I can show you how to save money automatically and get the most you possibly can out of your savings – it’s really simple!

Nobody can dispute the importance of saving money, we all start out with the intention to put away money. Somehow life always seems to get in the way, it has a funny way of gobbling up all the money you had stashed away for savings. It’s that same old story played over and over. You promise yourself that next month will be different and that you will put some money into savings no matter what. But another month goes by, stuff happens and once again you end up saving $0.

Learn to pay yourself first

Are your taxes always paid on time?

Of course they are!

Why?

Because they get taken out automatically. Since the money is automatically deducted from your pay or bank account, you never come into contact with it and therefore you can’t spend it on anything else. Clever isn’t it! The government never misses a payment and you don’t end up with a tax debt come tax season.

There’s a lesson to be learned here. Taking a page from the government’s play book, you too can pay yourself first by making your savings plan automatic. I don’t mean merely reminding yourself to put money in the bank as soon as you get paid. That’s just doing what you’ve always done – we both know that just doesn’t work. Set up an automatic deduction like the government does and you will never miss a deposit to your savings account.

Talk to whoever does the payroll for your employer only after you:

  • Determine how much you can commit to your savings each pay period
  • Establish your savings goal(s), long term and short term
  • Setup or choose the right kind of account for your deposits to go into

Let’s get started!

Step 1: Figure out how much money you can save

As a rule of thumb you should strive to save atleast 10% of your net income. If you can’t save 10% don’t sweat it. The important thing is to save something, anything, no matter how small the amount. Why? Because you will already have set the ground work for saving more money in the future when your circumstances improve. Also, you will already know how to save money and you will be accustomed to paying yourself first.

TIP: Making your savings automatic means increasing the amount of money you deposit will require little or no effort on your part as the system will already be in place.

Consider getting on a budget to get a clearer picture of your finances and to determine how much you can afford to put into savings. A good budget can also help you free up even more money to save by reducing your variable expenses and stop you from overspending.

Step 2: Set a realistic savings goal

Having a savings goal is important. Set your goal by asking yourself what you want to save money for? Maybe you want to save enough money to buy a new car or save for a down payment on a home. Perhaps you are saving money for college or you started thinking of saving money for retirement.

Whatever goal you set for yourself, it has to be something important or matters to you a great deal. Your goal should also be as specific as possible with exact dollar amounts and dates. Visualizing your goal will help you stay focused on the task of saving money. Also, you won’t mind making short term sacrifices to save money because the payoff in the long term will easily outweigh everything else.

TIP: Don’t set yourself up for disappointment by setting unrealistic goals for yourself. Take special care in setting a goal that is attainable within a reasonable time frame.

Step 3: Set up accounts for your deposits

In this step you will need to iron out details such as how much money goes where. For example if your savings goal is to build up your emergency fund you should put it into a high interest savings account (short term) because it would have to be liquid or accessible in case of an emergency. On the other hand, if your goal is to fund your child’s college education you should put it into an RESP account (long term). Your savings goal will dictate the types of accounts you choose to deposit your money into.

TIP: Consult with your bank or investment advisor about the most suitable account or investment for your savings goal.

Step 4: Make it automatic

By now you should:

  1. Know exactly how much money you have to work with
  2. Have one or more savings goals in mind
  3. Have the right accounts set up and in place for your deposits

With that in mind it’s time to make it happen. Time to automate your savings! Making it automatic is a 3 step process:

  • First you will need to prioritize your goals.
  • Then you will need to figure out how much money to put towards each goal.
  • Finally you will need to work with your company’s payroll and your banker to set up the automatic deductions from your payroll or bank account into whatever savings account or investment vehicle you have in place be it through your work place or on your own.

TIP: For long term savings goals such as saving for retirement take advantage of whatever contribution matching programs your company offers. It’s FREE money!

Now for the best part -sit back and watch your savings skyrocket!

There you have it that’s how to save money automatically and without fail.

80 Money Saving Tips

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1Pay yourself first – the most important tip on my list of money saving tips simply because it’s the only way to actually build savings. Pay yourself first because as you know, waiting to save what’s left just doesn’t work. Why? Because there’s never anything left to put into savings.

Set aside a portion of your pay for savings and talk to your employer about depositing that amount directly into a separate savings account. Life has a way of gobbling up money you intended to save but never got around to.

2Resolve to start saving today – Commit yourself to start saving money today. No matter how small the amount, the important thing is to save something.

3Live on cash – Set up a cash budget. Use cash to cover your variable expenses such as food, transportation, entertainment, clothes/gifts etc. A very effective way to get spending under control.

Living on cash is tops on my personal list of money saving tips because it has helped our family get out of debt and build toward true financial fitness.

4Quit smoking – First and foremost, quitting this nasty habit is just plain healthier for you and to a lesser extent those around you. Second, thinking about the money you’ve spent and how much you’ll save could make it a little easier to quit. F

5Emergency fund – There are things you can plan ahead for and there are things you never saw coming, for the latter it’s good to have an emergency fund in place. You’ll be really glad you did should something unexpected happen.

6Online banking – There is absolutely no good reason for paying bank fees. If you’re still paying your bank for the privilege of banking with them your just throwing away money. Open a no-fee bank account online with ING Direct or PC Financial for example.

7Take advantage of low introductory rates – If you’re carrying alot of high interest debt it makes sense to transfer these balances to low introductory rate credit cards. This will save you loads of money in interest. However, Be careful to read the fine print on these offers. They are usually short lived, after 3-12 months the standard rate kicks in. So if you do transfer balances make sure you can pay it off before the introductory rate expires.

8Negotiate better rates – Banks are desperate for your business, especially if you have good credit and long history with them. You hold the cards, so don’t be afraid to ask for better rates. Tell them what other institutions are prepared to offer as leverage.

9RRSP or 401k contribution matching – If your fortunate enough to have company matching contributions in your RRSP or 401k plan and your not participating – give your head a shake. Your not only missing out on free money your boss is willing to give to you, you’re also missing out on an important tax deduction as well as a terrific opportunity to build your retirement nest egg.

10buy a term life policy instead of whole life – Buy a term life policy, you get the coverage you need but the premiums are much less than whole life policies which is both an investment and an insurance policy. Unfortunately, the investment portion of the whole life policy is a very poor one.

11Claim benefits you are entitled to – Be sure to check government websites to see whether or not you are entitled to any benefits. You could qualify for benefits like a child tax credit or a pension credit for example.

12Increase deductible on home insurance – You can instantly reduce your premiums just by increasing your deductible. No, you won’t be saving an earthshaking amount of money but you will atleast get instant gratification from lowering your monthly expenses a little bit.

14Do it yourself – Hiring a professional for repairs or renos can be expensive but the wise thing to do if you’re not handy. However, you might be able to tackle smaller, simpler projects on your own and save yourself some money. Take-in a free DIY seminar at your local hardware store or buy a book to teach yourself what you need to know.

15Home hair cuts – This is great way to save money on expensive salon hair cuts if you or anyone else at home is an aspiring hair stylists.

16Do your own taxes – If you have an easy, straight-forward tax situation you could file your own taxes and save on the cost of hiring someone else to do it for you.

17Cancel newspaper subscription – Unless you read the paper every single day or you’re stock piling unread newspapers you can safely cancel your newspaper subscription. You’ll save yourself a few bucks if you just buy the paper when you want to read it.

18Switch to bi-weekly mortgage payments – Shave years off your mortgage just by increasing the frequency of your mortgage payments from monthly to bi-weekly. This will save you thousands of dollars in interest.

19Pay extra on the mortgage – As with #19 on my money saving tips list, shave years off your mortgage and save thousands in interest. With your mortgage paid off you can kick your wealth building into high gear.

20Collect\recycle bottles and cans – This is an easy $20 – $40 a month for our family. No need to go around collecting bottles and cans, just save your beer & pop bottles or cans, load up in your car and drop them off at the recycle depot for quick cash.

21Save loose change – Another easy $15 – $40 a month for us. You’d be surprised how quickly your lose change can add up. Wait til you have about $40 or $50 and put it into your savings account or just do something fun with it like we do.

22Bundle up services – If you provider has bundle deals you can pay significantly less per month by combining services like telephone, long distance, high speed internet and cable or satellite on one bill than you would paying for each service separately.

23Lose the cell phone – Want to cut out unnecessary expenses from your life? The cell phone is a no brainer. Fifteen years ago nobody had a cell phone and we all managed just fine.

24Make your own household cleaner – You can find lots of recipes for homemade household cleaners online you can make for free.

25Ban paper towels from your home – Switch to cloth towels and save yourself the $8 you would usually spend on paper towels.

26Invest in a freezer – How many times have you passed up on incredible bargains on pricy food items like meat just because you didn’t have enough room in your refrigerator freezer? Invest in a freezer and start stocking up on those hard to pass up food bargains.

27Recycle food containers – Instead of buying Tupperware or other plastic containers try using food containers like peanut butter jars, margarine tubs and ice cream containers.

28Drink more water – Drink more water, not bottled, just plain (filtered) tap water. It’s a whole lot cheaper and in most cases, healthier than what most people keep in their fridges.

29Cut back on phone service – You probably have a one or two or more features on your phone service that you never use. Find out what they are and cut them out of your phone bill. For example, your much better off buying a cheap answering machine for about $20 than you are paying $5 a month to the phone company for the same service.

30Pack a lunch – If you spend $10 on lunch and you do that 5 days a week that’s $200 that you could be putting into savings or toward paying down some of your debt.

31Skip the coffee shop – Buy a thermos or travel mug and brew your own coffee. Potential savings per month, around $25.

32Carpool to work – Driving your own car to work costs you one tank of gas per week on average but if you car pool with one or more co-workers you pay less than half that.

33Take public transit – If car pooling is not an option, consider using public transit to get to and from work. A monthly transit pass is likely to cost you slightly more than what it costs you to drive your car to work for a 1 week.

34Bike to work – Save money and get in shape at the same time.

35Avoid vending machines – A dollar or two here and there in the run of a month can add up to quite a bit of change. Bring your own snacks to work.

36Know where to buy gas – It pays to know where to find the cheapest gas in town. Use GasBuddy.com to find the cheapest place to buy gas in your town. See more fuel economy money saving tips in gas mileage tips.

37Drive sensibly – How you drive your car affects how much gas it burns. If you drive sensibly, obey the speed limit with no abrupt starts and stops you will burn less fuel. Drive aggressively and you’ll burn more fuel.

38Keep tires properly inflated – Just keeping your tires inflated at the right pressure is an easy way to make your car a little more fuel efficient.

39Lessen the load – Weighing your car down needlessly will make it less fuel efficient so unload any excess weight if at all possible.

40Don’t idle too long – Save fuel, turn your car off instead of idling your car.

41Limit A/C usage – Try using air conditioner as little as possible it makes your that much harder on gas.

42Buy used a car – It makes no sense to buy a car brand new, you lose about 70% of the cars value in the first 2-3 years. On the flip side, buying a car that is 2-3 years old means you are getting the car at a much better price and you will not lose much money in depreciation. Read more about buying a used car vs new car.

43Group errands together – If you have a number of errands or stops to make, plan it out so that you get them all done in one trip.

44Increase deductible on car insurance – Instantly reduce your premiums just by increasing your deductible. You won’t be saving buckets of money but worth mentioning nonetheless.

45Get your home energy audited – Get an assessment of your home’s energy efficiency. Find out how your home consumes energy and which areas of your home you should focus on improving for better efficiency.

46Turn down thermostats – Want to knock 10% of your heating bill? Just turn your thermostats down by 1 degree. For more on this as well as home heating related money saving tips see saving money on heating.

47Unplug electronics – Another easy way to save money on your electricity bill is to unplug electronics when they are not in use. Many electronics continue to use power in when they appear to be off but are actually in standby mode. For more details on this and more energy related money saving tips see saving money on electricity.

48Switch to CFB’s – Compact fluorescent bulbs last approximately 8 times longer than standard light bulbs.

49Wash clothes in cold water – Washing your clothes in cold water is really easy way to conserve energy and you won’t notice any difference.

50Quick showers, no baths – Short, quick showers are far more cost effective than baths. Baths use more hot water which means more energy is used to heat the water.

51Insulate hot water heater – If your hot water heater is in an unfinished area of your home such as your basement, putting an insulator jacket on it means it will preserve its heat better and require less energy to heat your water.

52Insulate basement/attic – Uninsulated attics and basements are a major source of heat loss and will cause your heating bill to soar. The money you spend on insulating your attic and basement will pay easily for itself during the winter months.

53Maintain furnace or heating system – Just like your car, when it is well maintained your heating system runs more efficiently.

54Dry clothes on clothes line or rack – Anytime your not running your clothes dryer your saving energy. Use a clothesline to try your clothes, you’ll save money and your clothes will have that outdoor fresh smell.

55Let the sun in – Open your blinds and curtains to let the sun heat areas of your home with large windows.

56Buy energy efficient appliances – It’s worth investing in energy efficient appliances, the amount you’ll save on your power bill outweighs the short term expense of purchasing them.

57Run appliances only after 9pm – Some hydro or electric companies have lower rates after 9pm. Running your dishwasher, doing laundry after 9pm to get the lower rate would save you a lot on your next hydro bill.

58Use paper plates – Whether you have a dishwasher or not this is a great way to reduce energy consumption because you don’t have to wash all those plates anymore.

59Fewer restaurant meals – When you think of saving money, cutting out restaurants is one of the first things that come to mind but you don’t have to cut restaurants out altogether just cut back a little, maybe one or two restaurant meals less a month.

60Cancel unused gym/club memberships – If you haven’t used it by now, cancel it. You haven’t fully committed yourself to getting your money’s worth so you might as well stop the bleeding and start thinking about getting in shape next year.

61Join Netflix – Renting movies from Blockbuster costs about $6 per movie per night. By joining Netflix you can save yourself a bundle. Memberships start at about $11.50 per month and you get to keep the movies as long as you want.

62Get a library card – The library is a great money saving resource, especially when it comes to books and dvds. Instead of buying books you can check them out of the library for free. Same goes for movies and documentaries although some libraries might charge you a minimal fee.

63Cancel cable or satellite – Another frequent cutback casualty is cable or satellite. Just a few years ago this meant no TV but now you can still watch most of your favorite tv shows online. Two of the most popular online TV sites are Joost & Hulu.

64Family night in/game night – Having a couple family nights-in or game nights are a great way to reconnect with your family and save money too.

65Got money to burn? Play the lottery – The only sure thing about the lottery is that you will not win the jackpot. You might break even if you’re lucky but the majority of the time you end up losing money. Not playing is doing yourself a big favor, saving you money and grief.

66Be patient, it’ll go on sale – Don’t be in such a rush to buy, before long it will go on sale. In the meantime try to save up enough money to pay for it in cash.

67Need vs Want – This is one of my personal top 10 money saving tips. Before you buy, ask yourself, do I really need it or do I just want it? Give yourself 24 hours to think it over, I guarantee you will be glad you waited because most of the time you’ll find you really didn’t need it afterall.

68Save & pay cash – Anytime you make a purchase it’s always better to save your money and pay for it in cash. When you buy something on credit you almost always ending paying much more than the actual purchase price.

69Shopping list – A sure-fire way to prevent overspending is to bring a shopping list when you shop for groceries or anything else. For more money saving tips for groceries see saving money on groceries.

70Check online classifieds – The first place to check before shopping around for something is an online classifieds site like Kijiji or Craigslist. They’re a great source for bargains on pretty much anything.

71Shop at thrift stores – Shopping for clothes at a thrift store may not be for everyone but it can save you from spending big bucks on brand name clothes items.

72Check out yard sales and garage sales – It pays to go hunting for yard sales or garage sales. You can get really good stuff dirt cheap.

73Clip coupons – Who could ever take this list of money saving tips seriously without a tip for clipping coupons. Always a great way to save if that’s your thing.

74Shop for groceries on a full stomach – One of the key money saving tips to remember when shopping for groceries is “Never shop on an empty stomach“. If you shop for food on an empty stomach you will buy more impulsively and will end up spending much more money than you intended.

75Keep a running total – Want to stay on or under budget while shopping? Keep a running total, this works particularly well for grocery shopping.

76Plan and pre-cook meals – Planning and pre-cooking meals is time and money saver. It also helps cut back on take out dinners for those nights you’re just too tired to cook.

77Buy generic or no-name brand goods – While there are certain brands we simply can’t do without for everything else go generic or n-name and save about 20% on your next grocery bill.

78Don’t buy pre-packaged – Pre-packaged foods cost more money and are less healthy.

79Shop just before store closing hours – Waiting to do your shopping about an hour before closing time is great way to get more bang for your buck. Lots of last minute deals that wouldn’t otherwise be available.

80Don’t buy something you don’t need just because it’s on sale – You’re not saving money – you simply spent money on something you didn’t really need in the first place. I dedicate this final tip on my money saving tips list to my wife. Love you, Honey!