Total consumer debt in the USA, including home mortgages (over $6.5 trillion), exceeds the cumulative U.S. national debt ($5.7) trillion! Everyone loves to spend, but what happens when we don’t save money? We end up with “a dramatic decline in the U.S. personal savings rate (from nearly 8.5% in the early 1980s to less than zero today)”. My expression for this is, happy now, sad later. We don’t want to save money, we want to be happy now, sad when the bill comes.

Great Ways to Save Money and Spend Less:

1. Change light bulbs to CFL bulbs to save money
2. Use Heat and Air Conditioning sparingly
3. Use the light of Day instead of lights in the house
4. Pay bills online or in person, instead of using stamps
5. Keep razorblades dry and clean so that they last longer
6. Write checks for over the amount instead of using an ATM with fees(or just use cash)
7. Use plastic containers to store left over food for eating later
8. Turn off all lights when not in a room
9. Leave the car at home at least one day out of the week
10. Borrow books from the library instead of buying them
11. Use coupons and check grocery circulars to get the best deals
12. Cook meals at home, cutting back on eating out (Know how to cook?)
13. Take lunch to work
14. Watch movies at home instead of in the theater (yeah its not the same I know).
15. Wash clothes every 7-10 days (I hope you have a lot of clothes).
Trust me, if you save a few cents on everything you do, you will have saved money, spent less, basically more more will be left over for doing something people hardly do, “save it”.

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