By making small changes in your current spending habits, it’s possible to save money to use for things like vacations, retirement, or for a large personal purchase. There are also plenty of great apps and websites to help you with your financial planning needs.Track your spending for at least two weeks. By seeing where your money is going, you will be able to eliminate the small expenditures that eat away at your wallet. Free sites like Mint.com make it easy to input banking information and track your expenses in real-time. Shop around and use coupons. Check different websites looking for better deals. There are great apps available for iPhone and Android that will let you search for coupons while you’re at the store. A popular smartphone app called The Coupons App is available for both systems, and will scan barcodes, search for coupons, and even search the nearby area for the best gas prices. Sites like Groupon and LivingSocial also have great daily deals. Turn off home electronics, lights, and fans when they’re not in use. Avoid using air conditioning or heating whenever possible. Unplug chargers when they’re not in use, since they use electricity all the time. One of the best solutions is to plug large electronic items (computers, televisions, gaming systems, etc.) into a power strip, and turn off the power strip when not in use. Get rid of the cable. As cable costs continue to climb, there are great internet-based alternatives. Netflix has many movies and television series for $7.99 per month. Hulu Plus has current television series for $7.99 per month, as well. Both sites are available to stream on gaming systems, and on some select smartphones. Learn how to cook. Use sites like Allrecipes.com to learn some new meals that you can make at home from scratch. Eating at home is much less expensive than eating out. Also, buy in bulk from retail warehouse stores when you can. Keeping a fully stocked pantry can be really helpful for when food prices rise, or if there is a sudden drop in income.
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