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How do I save money?
The question you should be asking yourself is “how do I begin saving money?”

Separating wants from needs is a matter of self-control. The ability to distinguish between wants and needs is essential for having life’s “extras”. Dream-shattering debt will result from the inability to distinguish the point at which need deceitfully starts to take over want. Now is the time to convert your hidden wants into cash.

To start saving, take an inventory of your current needs identifying areas of excess spending. Start with the biggest items first (these items have the most potential for savings), and move down the scale to the less expensive items. Even a moderate savings on one of the larger items (houses and cars, for example) can bring a big reward. You can then start to maximize your saving effectiveness by starting to save on some of the smaller expenses.

Fitting in nicely with saving money on items that you need is making smart purchases. Nearly every person in the world wants to be a wise purchaser, but few are able to achieve that goal. Have you ever looked around your home and taken inventory of items that you paid too much for, items you purchased that you didn’t really need, and maybe even broken or non-functioning items which are costing you money in repairs or upkeep?

Use the following 5 techniques to saving on purchases!

  • Differentiate between Wants and Needs.
    (Needs are those items that are necessary to sustain you and your loved ones lives.)
  • Ignore the Jones’.
    (You don’t have to have the biggest and the best, irregardless of cost.)
  • Capitalized on power of group purchasing.
    (Credit Unions and Warehouse Clubs often have group discount purchasing agreements.)
  • Extravagant purchases will lose their glitter.
    (After the complements of family and friends have faded away, there still remains the big payment, maintenance, and repairs.)
  • Try before you buy.
    (Before you buy anything, especially items with big price tags, borrow one, rent one, or try one out before you fork over the cash.)

Remember that this all might look good on paper, but unless you can truly visualize yourself reaping the rewards of your savings in future years you will never have the discipline to ignore the wants that tempt you in the present!