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Tuesday, September 15, 2009

Keep More in Your Pockets By Using Alternatives

By Robert Jackson

Using alternatives is an area that everyone who wants to save money should really look into. They may find that many of their expenses can be cut in half if they just look carefully.

Many people pay for gym memberships but are they really necessary? Some dumb bells, a morning jog is really all we need most of the time right? This way, you aren't paying for zilch and you will still be fit.

TV is one of the more expensive expenses on everyone's budget. By using something like Netflix, we can cut out monthly cost by $80 a month without sacrificing advertising. Sounds great doesn't it?

Those who have phone service probably can cut it up. Some people have gone with cell phones only and their lives were exactly the same. Those land lines are really just ancient technology now.

If you eat out all the time, you know that cooking at home is much cheaper but who wants to do all the work? A better way is to do a combination. You buy a dish, bring it home and add your own ingredients to make the dish bigger.

Do you pay for unlimited cell phone minutes? Even if you aren't, you are probably paying for more minutes than you need. Consider downgrading and keeping more money in your pocket.

Many people redeem points for merchandise but redeeming for cash or travel certificates are usually the best deal. Think about all the options that they give you and run the numbers!

This one is against the grain but paying for a year's worth of the magazine you love is probably better than buying them at a stand. This is because you will probably buy more than two a year (if it's one that you love) and the per year subscription cost is usually twice the cost of one magazine.

Renting, even a house, can be advantageous at times because it gives you the flexibility to change your mind. Since most purchases are on impulse, the ease of stopping your payment can help you save big.

Using generic brands is much cheaper than the original expensive brand. Whether it's food or medicine, you can pretty much always find a suitable alternative. If you are willing to do a bit of experiment, you might even improve your consumption. - 23212

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