Painless Techniques To Save Money

When most people hear about the newest techniques to save money, right away they assume they are going to have to make a drastic change or give up their favorite necessities. The fact is that you can really save a substantial amount of money each year with some painless techniques that you can begin utilizing immediately. Here are a few money saving techniques you can use that can help you build a nice savings quickly.

Buying lunch everyday when you work a full time job can really add up quickly if you aren't careful about spending your money. By brown bagging your lunch twice a week, you can save quite a bit of money each month, and over the course of a year a savings of five hundred pounds can really make it worth a small sacrifice a couple times a week.

One of the best ways to cut down on your grocery bill and really save some serious money is by buying in bulk. Avoid buying items that are perishable, because you will feel like you must consume everything at break neck speeds to avoid everything going bad. You can purchase bottle water, condiments, laundry detergents, toothpaste, shampoo and cleaning products at huge discounts when you buy in bulk. These items will last for months and allow you to save hundreds of pounds in a very short period of time.  Bulk buying costs more intitially however a payday loan can free up the cash needed to make these extra purchases without eating into your normal budget.

Keeping with the food theme, another way you can save some money each week when shopping is consider buying the generic brands for certain items. You can stock your cabinets with generic salt, paper plates, paper towels, napkins, tissues and orange juice, and you will be hard pressed to tell the difference in most cases. Try a few different products and before you know it you will have cut your grocery bill twenty or more pounds each week. Over the course of a year that's over one thousand pounds!

A great way to trim another twenty pounds a month from your grocery bill is by avoiding purchasing the smaller sized garbage bags for bathrooms or your home office. You can simply use the plastic grocery bags that you receive when shopping to line those smaller cans. This small savings will not cause you an extra effort, and after a year you will have saved quite a bit.

This one savings tip has the potential to make a huge difference in your savings if you take the time and commit to doing it regularly. The bank ATM fees are getting higher and higher each year, and just one visit a week can drain your bank account of hundreds of pounds each year. More and more local supermarkets and home centers like Walmart now allow you to make a cash withdrawal at the register for free. The maximum withdrawal amount varies in stores, but you can easily make multiple withdrawals if needed. You are in need of cash, and you know you will need paper plates or towels soon, so hit Walmart and buy a pack of generic plates and at the register request to take cash out. Your withdrawal is free and you are only purchasing items you would have later in the week. You can really get good at this and never have to pay an ATM fee again. These stores also allow you to buy more than one item and pay separately, so you can make two withdrawals for free.