Monday, June 18, 2007

Saving money tips

Gasoline - Get the lowest octane grade if it is allowed by your owner's manual
I'm using shell, sbb iklan ckp alien spaceship pun pakai minyak ni. MORE KILOMETRES lah katakan....

Inflate your car tires - Inflating your tires to the recommended tire pressure specified in your owners manual reduces friction when you drive & therefore saves on gas!
My sisters Savy mcm berat jer..walaupun dah isi angin tayar. camana eh?

Refinance your home - This can save you tens of thousands over the life of your home mortgage. Rates are still at historical lows.
My housing loan baru cecah 7 bulan, bleh refinancing ker?

Electricity - Turn off the lights when you leave the room. Purchase energy efficient appliances.
I'm trying to switch off every switches when not in use. The problem is that, other ppl turn it on balik & leaving all electrical apps on standby mood.

Heating - Turn the temperature down at night. Throw an extra blanket on the bed & save money!
I dont use heater or aircond. kipas kotak jer...

Water heater - If you have an electric heater, explore the option of adding a heat jacket, available at most hardware stores.
Kattle air panas jer..wat milo suam.

Seal your house - It has been said that all the cracks in your house add up to having an open window letting cold air in during the winter and hot air in during the summer!
Planning to seal the cracks that my last (perasan lawa) tanent made at at my sliding door. Gilo apo tarik sliding door sampai retak dinding. Bodo punya org!!

Groceries - Stay away from brand names. In most cases, the off-brands are just about the same and cost much less. Don't shop at convenience stores because their prices are higher.
Dah lamo dah tak beli branded names. Pakai bundle plak.

Use coupons - Also, shop on days when the grocery store doubles them!
Dont have coupons :-(

Use a discount card - At grocery stores, pharmacy's and more. Just make sure they don't have a yearly fee!
Tend not to use cards on unnecessary items. unless emergency.

Pharmacy - Ask for generic drugs instead of the brand names with your doctor's approval.
Claims medical bills from the company arrr..

Don't eat out as much - This can be a major area of savings in your family budget!
Yep, home cooked food is much better Make dinner at home - Save a ton here and enjoy the family time!
Again... home cooked food !!

Brown bag it - Pack your lunch. Think about it, ordering out for lunch every day ($6/day x 5 days a week, = $30/week. $30/week x 52 weeks = $1,560 a year!)
Spent time every morning to brunch at home before leaving for office.

Keep your car - If your car is older and you are not making car payments...keep it running!
Not planning to sell my 5yr old kenari. Abes byr next year. After that, no more monthly installment, less yearly roadtax & insurance payment.

Try to save every month - Set aside a fixed amount every month and save or invest it. This will add up over time!
RM100/month for ASB. Trying to save for MutualFund investment plak.

Don't drink soda - Drink water, it's practically free!
Plain water please...

Don't buy bottled water - Talk about expensive! Get a water filter if the taste of your tap water makes you shudder.
Takkan nak bawak botol air kot? Ishk...simpan dahaga minum kat umah ajer lar...

Examine your monthly expenses - Magazine subscriptions, cable tv, DSL, Netflix movie rentals...all of these combined may be a significant part of your budget that can be cut.
Astro ajer.... tenet, tepon, magz rental takder.

Shop at discount stores - Wal-Mart, Family Dollar, etc.
GIANT kelana jaya sentiasa di hati

Laundry - Air dry on the line, it's free!
Air dry

Make purchases online - Ebay is a great source for just about any item you can think of. Many of the products offered are new anyway, but MUCH cheaper!
Tried e-bay. unfortunately some guy from nigeria tried to use my e-bay account for fraud. terus tutup akaun!

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