7 painless ways to save money

The idea of starting a savings regime can be daunting, but there are easy ways to trim spending from your budget.

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VIDEO ON MSN MONEY

74Comments
Jan 18, 2014 10:01AM
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Really want to save money Amerika? Stop buying things you don't need with the money you don't have to impress people you don't even like.
Jan 17, 2014 9:45AM
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The biggest savings we could have is....Stop buying the BS coming out of Washington.
Jan 17, 2014 9:41AM
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How about just not spending money and saving it...yeah right...Some of this stuff on MSN is not plausible. I don't buy stuff I don't use. Period.
Jan 17, 2014 6:13PM
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Want to save 18% on your money. Pay off your credit cards and live below your means.
Jan 17, 2014 11:36AM
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I am sorry MSN but telling people who take your advise about money, should not open credit cards with money back programs.  They will just end up maxing the credit card out and getting stuck in debt.  The easy way to save money is to have a budget, stick to it and don't blow money on stupid stuff.  There is no such thing in life as "Easy money" unless you are a welfare junkie.
Jan 18, 2014 6:29AM
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What if we've already done all these?  It's nothing new here once again.
Jan 18, 2014 11:13AM
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A very simple and easy way to save a little extra money without even hardly noticing it.....When I run a transaction on my debit card, I round up the deduction.  If I make a purchase for $19.52....I deduct $20 from my checkbook.  I did for a few months.  At the end of the few months, I balanced my checking account to the penny and I ended up with an extra $300 in it.  I took the extra money and deposited it into my savings account.  Another way to increase your savings without the pain of it......if you pay something with cash, take the leftover change and put it in a jar.  After a few months, I will count it out and take it to the bank.  Last time I counted out my change.....I, again, had an extra $300.  So, there are little painless ways to save money.  It just takes a little imagination and discipline. 
Jan 18, 2014 12:24PM
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You left one out: eat less food These days, the cost of shopping at the grocery store is starting to look a lot like a house payment.
Jan 17, 2014 1:21PM
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By and large I agree with the one about insurance.  When I was younger I would go about 18 months before my insurance company would raise my rates - even if I hadn't had a ticket or accident.  They'd say it was an "across the board" rate increase for everyone.

I'd get on the phone and within about 3 or 4 calls I'd find a place that had better rates.  They might have been slightly higher than what I was paying, but not as much as what my existing insurance company wanted to charge me.  At least once I actually got rates lower than what I'd been paying.

Then, about 18 months later, the company I was with would tell me they were doing an "across the board" rate increase for everyone, and I'd start calling around again.
Jan 18, 2014 6:09AM
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If you learned anything from this article... you are an idiot! This article is aimed at people with low IQ's, who cannot figure this obvious crap out for themselves, I presume.
Jan 18, 2014 10:02AM
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the American ppl are brainwashed from when we're little babies on

to buy craps they don't need they never use. yet they still buy craps

just because they  are constantly told they must have. it or else. total brainwash.

just look at every freakin show. every minutes on tv or online your told get it get it NOW.

Jan 18, 2014 11:42AM
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Shhhhh, don't say too much people, they might catch on.  I like going to a resale shop once in awhile and buying new or almost new, pull over shirts that they pay $50 for and I'm getting them for $4.00.  Their 4 and 500.00 dollar lamps, furniture, etc., etc., for pennies on the dollar.  Such as my recent purchase a  thick antique brass bed stead for $20.00, and another  200 year old wrought iron bed stead, for 35.00 (it took three men to lift and load in my pick-up).  Several Oil paintings, lithographs, and the list goes on  and on, and just for a few bucks.
Jan 18, 2014 7:12PM
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Saving money it’s not always good thing!  Here is an example… I know a woman who own a salon a hard working woman works 7 days a week, don’t have any family or a friends in the US, she loves to save money, she had a money to do anything, go to best vacations  but she chose not to. I am just a customer for 14 years but we talk like brother and sister, anyway... last month I went to get a haircut, she didn't look too good her eyes were yellow I was worry about her, well I went two weeks letter to get my hair cut but I saw different woman using her chair, I said where is Lisa she said she died I start to cry and they told me she died last week at the hospital, her liver shut down! Sad, she was very healthy never drink or smoke or has a family or kids. The lady she work for her was helping her at the hospital and when the doctor told her you have 48 hours to live she called a lawyer and gives her everything she worked hard for, the house cars and salon and all the saving money, she became catholic at the hospital and died with peace.

Bottom line… let me tell you my friend... life is short, enjoy your days, and what you eat and go on vacations and save money to go places that you never will forget and love your enemies, save money to get your dream car, every day you woke up from bed thanks god for it, you work hard for your money and enjoy it because your not going to take it with you when the time comes.  

 

God bless you all and sorry about my accent!

Jan 18, 2014 11:34AM
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Tell me where the free thing are to received I always had to pay for everything..


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There is only one way to save money, hide it from the IRS.. If you are rich and famous like me no worries. Remember Mark Rich? I don't often get caught, but when I do, I contact my fiends in D.C.. Stay thirsty my friends
Jan 18, 2014 12:41PM
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If you don't spend it what is the money use for?
Jan 18, 2014 2:26PM
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Just stop buying into all these name brand or designer type stuff and presto your ahead of the game that's all. This way you get to enjoy most of your money rather  that some celebrity or sports star does. Think about it do you really need to contribute to some drug using 3rd baseman or some ugly over hyped bimbo's bank account ?
Jan 18, 2014 1:19PM
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If the money comes home it gets spent.  Very, very few of us have the self discipline to not spend money we have.  If you can do auto-savings of some sort at work, do it.  If the employer matches your 401k  and you are not taking advantage of it you ARE throwing part of your salary away.    Something like 95% say if we just had 20% more inc ome we'd be able to save.  So somewhere out there, there is someone saying, "If they just had you income, they'd be fine."   Most baks now require a fairly large amount of money to open a savings account and they do not pay real interest.  So despite what the income tax "know it alls" say, one way to save is to simply lower your deductions at work.  That way at tax time you get a nice little check in the mail.  Enough to open a Roth IRA or some other investment vehicle.    In my view Roth IRA's are the best thing since sliced bred.  Much better than the traditional IRA's.
Jan 18, 2014 1:21PM
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All the above suggestions are very good.  There's only one problem.  What can you do about your taxes Long Island???  "Ay, there's the rub."   There's only one solution for that - MOVE.  In other words, if you're a Long Islander you might as well scrap all the above ideas.  Any little bits of money you'd have saved (including mortgage refinance) is all going to go into your tax bill - especially SCHOOL TAXES ( as well as property general tax, & Village tax.)  You know it!
Jan 18, 2014 3:29PM
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Am I the only one who doesn't understand the... Change to Netflix then lower your internet speed.?
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