Change Quotes

Overdraft fees. Sign up for low-balance alerts via e-mail, and link your checking account to your savings account to move money as necessary to avoid $35 fees for insufficient funds.

ATM fees. Know where your own bank’s ATMs are located, even in other states, so you can save $2 or $3 every time you get cash out of the wall. Or consider switching to a bank that offers free ATM usage regardless of which bank’s ATM you tap.

Use the internet to comparison shop. There is no reason to spend lots of money and time driving from one store to the next looking for the lowest price. You may end up having to drive back to your first stop. Save time and money by using the internet

Buy in bulk: If you tend to buy a lot of a certain item, buy it in bulk whenever there is a savings.

“If you want to feel rich, just count the things you have that money can’t buy”

Look within

“Infinite riches are all around you if you will open your mental eyes and behold the treasure house of infinity within you. There is a gold mine within you from which you can extract everything you need to live life gloriously, joyously, and abundantly.”
—Joseph Murphy

Wear expensive shoes, belts, and ties, but buy them on sale.

Never buy something you don’t need just because it’s on sale.

Start early to avoid financial pitfalls. Adrian Cartwood, 49, author of the blog How to Make 7 Million in 7 Years, made his fortune by living frugally while he built his technology-related business. People often get into trouble, he says, by racking up personal debt early on, which acts as a big drag on their earnings. “Learn how to live within your means and how to delay gratification; these are the habits that you need to maintain on the way up, so you can keep your millions when you get there,” he says.

Less Spending = More Savings

Start carrying a pocket-sized notebook and pen or pencil to record purchases throughout the day.