Money Saving Tips

1. Pay yourself first.
2. Use a budget.
3. Track all of your spending, even the small items.
4. Use coupons and rebates.
5. Open checking and saving accounts that do not have bank fees.
6. Pay your bills online, when possible.
7. Bring your lunch to work instead of eating out.
8. Make a list before you go shopping to avoid impulse buying.
9. Don’t go shopping unless you need something.
10. Don’t buy something just because it’s on sale.
11. Grow your own vegetables in a garden.
12. Use the library for movies, books, magazines, and CDs.
13. Find cheap entertainment, such as visiting a park.
14. Make your own gifts instead of buying them.
15. Consider making coffee at home rather than buying it at a coffee shop.
16. Consider exercising at home instead of joining a gym.
17. Don’t spend money to de-stress.
18. Minimize how often you eat out.
19. Consider canceling newspaper or magazine subscriptions.
20. Run all errands at one time to save on gas.
21. Consider carpooling, taking a bus, riding a bike or walking instead of driving.
22. Shop in bulk, when possible.
23. Consider canceling club memberships.
24. Minimize purchases at convenience stores.
25. Don’t charge more on credit cards than you can afford to pay.
26. Give up expensive habits, such as cigarettes and alcohol.
27. Take advantage of your company’s 401(k) match plan, if they offer one.
28. Pay bills on time to avoid late fees.
29. Shop around for the best deal when purchasing big ticket items.
30. Buy generic brands, when possible.

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Raymond James & Associates, Inc. and Raymond James Financial Services, Inc. are affiliated with Raymond James Bank, N.A. Unless otherwise specified, products purchased from or held at Raymond James & Associates or Raymond James Financial Services are not insured by the FDIC, are not deposits or other obligations of Raymond James Bank, are not guaranteed by Raymond James Bank and are subject to investment risks, including possible loss of the principal invested.