How to Save Money: Our Cheat Sheet - LifetimeWords

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Top 5 Personal Budgeting Tips:

#1 Use a cash-back credit card for all regular monthly bills and pay off the balance each month. It is a bonus in your pocket and helps with cash flow.

#2 Use cash-back shopping sites, BeFrugal, Ebates, TopCashBack, for additional bonuses. They are free and easy to use.

#3 Use deep discount merchants and deals (see our Cheat Sheet to cut up to 90% off of retail prices).

#4 Designate a savings amount each month. It can be small at first, some savings is better than none.

#5 Keep simple, accurate records of your finances. We feature our own free budget spreadsheet forms.

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