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Top 10 Money Saving resolutions for the New Year 2009

With the overall economy into a severe recession year next new provides an excellent reason to put your personal finances around.

Try these ten simple tips and start a new Financial:

1. Deal with your debt, especially credit cards. You can easily save $ 700 by transferring a card with an interest rate of 18% and balance of $ 2,000 for a new card with a lower rate of 8.25%. Better yet, request a new card with a balance transfer offer of 0%, and still more savings.

2. Stick to a budget for one week only. It is the serious desire to stick to a budget, but you can probably manage for a week, right? If you follow your expenses for just this week, you have an overview where your money is gone. You can also find an obvious reduction. For example, you may decide that your daily mocha latte is not worth the $ 20 you spend each week.

3. Pay a little extra on your mortgage and save tens of thousands later. Paying a few hundred dollars more a month on a mortgage $ 200,000 will save more than $ 60,000, over the life of 30 years of the loan, and you repay the loan five years sooner!

4. Use the flexibility of your company's spending plan for health care. Just put a fixed amount in the plan each month you can pay for items similar assessments, chiropractors, prescriptions, common prescription drugs, air purifiers, and more. And these payments are made with your salary before tax, which saves you 10-30% or more.

5. Clip those coupons! Takes a little work on your part … but not a lot of time as well as you think. In addition, you will save hundreds. fanatics coupon to save more 50% and sometimes 80% on their grocery bill. With much less effort, you can easily save at least 20%. Since the average cost per week food for a family of four is $ 225 (source: USDA), net, you can return more than $ 20 per week.

6. Do these small projects that save energy around your home. You replace the weatherstripping on your doors and windows, putting more insulation in the attic, brush the fins on the unit outside your air conditioner, or simply spend your CFL bulbs. Compact fluorescent bulbs save about $ 9 each per year, and last 7 years. It saved $ 63 with one minute of effort!

7. Do not eat much. Of course, it is convenient, but it is very expensive. Eat only once a week and use a portion of savings to prepare something special at home. You can have a great steak every week and still save money.

8. Save money on your 2008 tax bill. Take a little professional help This year … is worth. If you can not afford to help, at least try one of the main software. They all have a module that you will find the credits and deductions you are due. And … not expected in April … Now if you do, you'll get your refund faster.

9. Pay attention to your insurance policies. The new year is the perfect time to look at your auto, home and life insurance, and consider some changes to save money. Perhaps you have cover too much, or who could benefit from a higher deductible high. Or, you could try to combine your home and auto insurance under a business for the extra discount.

10. Stop smoking. At 4-5 per pack, a pack a day smoker would save around $ 1,500 per year. This is not even given discounts life insurance, and your health and well-being. If you're not ready for this big of a step, consider switching to a generic brand and save $ 350 in 2009. Or … while reduced to half a pack and save $ 750.

About the Author

Norm Deplume is a contributing editor for billeater.com, a site dedicated to providing
money saving tips
that help lower your bills. His most recent article is entitled
Ways to save money…10 fresh ideas
.