Top 18 Ways to Throw Away Your Money

1. Top 18 Ways to Throw Away Your Money And What You Can Do Instead

2. How Are You Throwing Away Money? Even though you do what you can to manage your money effectively, you might be wasting funds without realizing it. In this presentation, you’ll learn the top 18 ways most folks waste money, plus methods to more successfully manage your cash so you can keep what’s yours. Let’s get started!

3. 1. Pricey, Unhealthy Habits What to do instead: • Make your own coffee and take it with you. • Gradually cut down the number of cigarettes you smoke in a day. • Limit yourself to 1-2 beers at the bar or buy a 6-pack or bottle & drink at home. Are You Doing This? Buying coffee drinks 4-5 times weekly at $3.00 to $6.00 each Smoking cigarettes at $6.00+ per pack Drinking alcohol at your local bar after work at $3.00 to $7.00 per drink

4. 2. Bank Fees or Credit Card Charges Use these tips instead: If you’re doing this: Paying monthly fees for checking Paying high monthly balance fees Paying high interest rates on loans Paying fees for things you don’t understand

6. 3. Premium Cell Phone Plans

7. 4. Not Asking Enough Questions Whether you’re shopping at a department store or talking with bank staff, if you’re not asking questions, you’re spending more money than necessary. Instead:

8. Ask Questions Like These:

9. 5. Ignoring Coupons When your Sunday newspaper arrives, do you avoid looking through the coupon offers? Do you throw out the leaflets of coupons that come to your mailbox? What should you do instead?

10. Save Money With Those Coupons

11. 6. Being Uninformed About Your Money Spending money first and then wondering why you’re short on funds at the end of the month means you lack information. Here is what you can do instead: When you get paid, first pay yourself 10%. Then budget the rest. Space your expenditures to avoid over-spending. Keep orderly financial records to easily access info. Knowledge brings you power over your financial life!

12. “Money talks,but all it ever says isgood-bye.”- American Proverb

13. 7. Missed Deadlines and Payments If you are: Paying bills late Skipping monthly payments Paying extra fees to creditors without question What to do instead: Consistently pay on time. Use the envelope method to ensure bill payment. Or use a bank account just for bills. Mark due dates for all bills on a calendar.

14. 8. Not Paying Attention

15. Keep Your Focus:

16. 9. Faulty Vacation Planning When you don’t take the timing and locale of your vacation into consideration, you’ll spend more than necessary on the trip. Instead: Flight costs are also reduced.

17. 10. Eating Out Too Often Instead, save time and money: During the weekend, plan simple meals and shop for the week. When you cook, make extra and freeze leftovers for economical, nutritious “fast food.” Use slow cooker once weekly. Enlist the whole family to help with meal planning and prep.

18. 11. Staying with the Same Company for Too Long Getting comfortable with your cable and cell phone companies is expensive. You tend to stop asking questions about fee increases and just accept whatever happens. Try these things instead

19. Get A Better Deal:

20. 12. Energy Vampires Coffee pots, toasters, electronics and chargers: they all use power 24/7 when they’re plugged in. What can you do about it?

21. 13. Overspending on Your Cars When you gas up without checking local prices, you can lose big money over the year. Pumping premium when it’s unnecessary can also deplete your cash. Are you getting your oil checked whenever your mechanic tells you rather than when your vehicle manual states? These vehicle-related issues cause slow seepage of funds from your paycheck.

23. 14. Purchasing Books, CDS, and DVDs at Full Price New books can cost $25.00 each or more. And if you’re a music lover, buying CDs can be expensive. Movie buffs and TV watchers will also put down a healthy chunk of change to indulge their viewing habits. How can you do the things you love without wasting money?

25. 15. Impulsive Buying Habits Frivolous spending habits are like throwing your money in a big hole in the back yard. Do this instead: Educate yourself first about what you want. Find reviews of products you want online to ensure you want or need the item. Compare pricing to get your best deal.

26. 16. Avoiding Generic Brands Focusing on name brands could be costing you double what you’d normally spend on food and clothes! Instead: Buy generic or off-brand groceries and save big. Save 50+% on less expensive, good quality clothing. Open your mind to the idea that your identity is not tied up in name brands.

27. 17. Using Credit Cards With No Rewards Programs These days, you have a lot of options for credit cards. Maybe you haven’t paid attention to your perks or are paying monthly fees to carry a card with no perks! Instead:

28. Enjoy Your Rewards!

29. 18. Going to a Hospital ER Using the hospital emergency room as your medical doctor for non-emergency illnesses or injuries will build up huge bills fast. Luckily, you do have alternatives that can save you lots of money and hours of time – even if you get sick or injured after business hours.

30. Save on After-Hours Medical Care

31. Once you acknowledge you could be throwing away money, you can determine how you’re doing it and decide what you’ll do instead. Re-discover the joy of living by protecting your dollars for you and your precious family!

32. “The waste of moneycures itself,for soon there is no moreto waste.”- M.W. Harrison

33. We hope you enjoyed your Special Report! Curtis Roese is an experienced professional with extensive experience in personal finance and small business matters. Curtis writes and publishes articles, courses, guides and special reports on his personal finance blog. Common Cents Wisdom is a website with hundreds of informative articles, special reports, resources to assist you with all of your financial concerns and a free monthly newsletter. Sign up to receive your free eBook "Common Cents" and get started today on the road to financial freedom!

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