Affirmation – Move Forward Financially In The New Year

I am financially strong as I move into a new year.

The coming of a new year provides me with great opportunities. I make my New Year better by improving my finances. I am capable of improving my financial life!

I am strong and can take on anything that comes my way. I see financial challenges as opportunities to work smarter and harder in order to better myself.

Finances are important to me because it provides me with security for the future. My future is a valuable thing. I care about making both my present and future the best they can be. When I focus on my finances, I see ways in which I can improve in the New Year. Because I work to improve, my finances continue to get better and better.

How I make and spend my money is important. I am strong in a financial sense because I know that money is a valuable commodity. In the New Year, I see how I am able to do even better when it comes to my finances. I enjoy working with my finances to see what I can do with them. It’s fun to work with figures and new ideas.

My financial strength comes from dedication to my work and from making good choices. If I make a mistake, I correct it and avoid making it again. Through learning and growing, my financial picture is bright. The future looks good because I remain financially healthy and strong.

Today, I am strong and capable financially as the New Year arrives.

Self-Reflection Questions

1. What can I do to move forward financially in the New Year?
2. How can I avoid getting into old financial patterns from previous years?
3. What should I do to ensure I’m staying on the right financial path?

3 Uncommon Ways to Save Money On Your Monthly Expenses

There’s no shame in wanting to save money on your monthly expenses. And, because of the current state of the economy, flashing your frugality is actually considered to be cool! Plus, the more money you save on necessities, the more money you can spend on what you really want!

Surely, you’re aware of the obvious money-saving ideas, such as clipping coupons, or riding your bike instead of driving, but you could save much more by taking an unconventional approach on your expenses.

Grow Your Own

Groceries are getting very expensive. And, while clipping coupons may save you money, items such as vegetables rarely go on sale. Therefore, if you make the effort to grow these items yourself, you stand to save thousands of dollars each year on groceries without coupons.

If you haven’t already, start a vegetable and herb garden in your backyard. Alternatively, you could grow them just as well in decorative pots on your patio. There are also miniature varieties of fruit trees, which can provide you mounds of fresh fruit in a small space.

Even if you choose to grow just one vegetable, such as tomatoes or onions, it’s one less $3 purchase at the grocery store each week. In fact, if you save $3 per week on just on vegetable, you can save $156 per year. Growing a variety can save you at least $10 per week, or $520 per year, on fresh produce.

Save even more by learning how to preserve your own fruits and vegetables. A food dehydrator makes delicious snacks and trail mixes of dried fruit, saving money on snacks. You could even use your homemade preserves as gifts, saving you even more money during the holidays.

Tip: If you purchase flowers on a regular basis, consider growing flowers at home so you can create your own bouquets for free. And, if you plant them in your front yard, you also boost your curb appeal!

Make Your Own

In a modern household, bread and soda can take up a considerable part of the grocery budget. If you have hungry teens or preteens in the house, you’ll find that sandwiches (with a side of soda) are one of the most requested meals.

Therefore, if you make your own bread and soda you can save well over $10 per week. Making your own bread isn’t very difficult. While a bread maker helps the process go far quicker, making your bread from scratch isn’t difficult at all!

You can make any variety of bread that suits your family’s fancy. And, the best part is that the bread will be made for just pennies on the dollar. And, if you use coupons to purchase your ingredients, you’ll save even more money!

Added Bonus: Because you get to choose your ingredients, your bread will be a far healthier treat.

Making soda at home can take less than 60 seconds if you purchase a soda machine. A soda machine is compact (no bigger than an automatic can opener), and costs approximately $80 including the soda flavoring, the carbonation can, and carrying bottles. If you currently spend $5 per week on soda, you can save $260 per year.

Make the Most of Freebies

Companies give samples for a reason – because it helps them build customer loyalty and spread the word about their new product. Use this to your advantage by signing up for free offers from well-known brands of foods and household products, such as laundry detergent and cleaning products.

Well-known retailers commonly release these types of freebies:

1. Air fresheners
2. Laundry detergent
3. Cleaning supplies
4. Snacks
5. Link Sausages (select brands only)
6. Pens, pencils, markers, highlighters
7. Feminine products
8. Shampoo/conditioner
9. Magazines
10. Photo printing
11. Toothpaste
12. Recipe books
13. Breakfast cereals
14. Dog foods/treats
15. Coffee/tea samples

You can save considerably by simply signing up for free offers and receiving the items you would normally pay out-of-pocket to use. You won’t get a full sized product in a free sample, as the size of the sample will be small, generally less than three ounces in most cases.

However, a sample size of shampoo can easily provide you with almost a week of free shampoo. And, by receiving a free sample of coffee that makes two servings, you can save $6 if you usually purchase your morning coffee at Starbucks, McDonald’s, or Dunkin Donuts.

In some instances, by combining samples, you can create a meal for a small family. Or feed your dog for a day. Or clean a week’s worth of laundry by simply using the samples.

By devoting just 10 minutes each day to signing up for free sample offers, you can drastically minimize your expenses and have free samples delivered to your mailbox a few times each week. In addition, you’ll often receive high value coupons with your freebie, which you can later use to get a free full sized item when combined with a store sale.

There are a million ways to save money on your monthly expenses; you just have to be willing to think out-of-the-box.

Start small with your saving efforts. And, once you see how much money you can save each month by incorporating these simple ideas into your life, you’ll be addicted to cutting your expenses!

Money Saving Tips – Easy to Implement

Your savings account is a tool that can give you financial freedom and peace of mind. It provides a buffer in case of emergencies and relieves you of needless worry. When the car breaks down or your child needs to see a doctor, you have the money in the bank when you save on a regular basis.

Even a little savings can add up to a sizable nest egg, especially if you’re saving on a consistent basis!

Follow these money-saving tips to grow your bank account and peace of mind:

1. Brew your own coffee. By brewing your own coffee each morning rather than making a daily run to your favorite premium coffee and latte store, you’ll save a considerable amount of money over the course of one year. As an added bonus, you’ll likely lose weight by opting for a cup of simple, homebrewed Joe rather than a frothy frappe with all the bells and whistles.

* Assuming that your daily premium coffee order is priced between $3.75 and $4.35, you can save between $975 and $1,131 each year!

2. Use coupons strategically. You can maximize your savings by shopping at a grocery store that automatically doubles your coupons. If you truly want to ramp up your savings, deposit the amount you save into your savings account.

* Media outlets, such as NBC and CBS have featured stories where power coupon queens purchase up to $250 worth of groceries for as little as $20 by doubling coupons and shopping strategically. Search their online database of videos to view these clips.

* Some grocery stores, such as Price Chopper, Harris Tetters, Super Value and Kroger’s double coupons up to $1. However, in select locations, some stores only double coupons up to $0.75.

3. Tip jar. When you eat out, you tip your waitress 20% of your bill. Apply the same logic to eating at home. When you cook an especially complex meal, treat yourself to a tip. Keep a tip jar at the counter, and estimate the amount you would have paid for a similar meal at a restaurant and bank 20% of that amount in your “chef’s tip jar.”

* Let’s say, for a meal of pasta for four, you pay $45. Save money by cooking the meal at home, and tip yourself $9 rather than the waitress.

* If you don’t have cash on you, write yourself a check and actually cash it. Alternatively, you can simply transfer the amount of your “tip” to your savings account.

4. Coin operated laundry. Keep a jar in your laundry room and pay yourself $3 every time you do laundry. One dollar to wash, one dollar to dry and one dollar to fold. And, if you’re feeling generous, leave yourself a tip!

* Assuming that you do laundry three times per week, you can save $156 per year!

Saving money can be fun if you’re creative. By implementing these simple, quirky tips, you can put a smile on your face and add a remarkable amount to your savings account throughout the course of just one year!