1- Avoid impulse purchases by shopping with checklists, and sticking to the lists.
2- See something you want that isn't on your list? Don't buy it. Write it down and add it to your list for next time. Chances are good that after you have had a day or two to think about it, the impulse to buy it will go away.
3- Avoid impulse purchases by paying with cash, not credit or debit cards. This way you will immediately see & feel the pain of the purchase.
4- Avoid shopping for fun or entertainment. Don't go to the mall or shopping center just to have something to do.
5- Avoid social shopping with friends. People tend to talk each other into things, not out of them.
6- Do not watch infomercials or home shopping channels.
7- Do not catalog shop unless you are looking for something specific.
8- Shop for quality not quantity. Something that costs more because it is of better quality and will last longer, will be cheaper in the long run than something that initially costs less, but will wear out or break much quicker.
9- Stick with classic styles and colors, rather than styles that are "in" at the moment. Avoid fads.
10- Consider renting something instead of buying it if you will only use it once or very occasionally.
11- Cancel newspapers and magazines that you don't read thoroughly or need professionally. Most will even refund the unused portion of your subscription.
12- Make use of your local library for newspapers, magazines, books, DVDs and CDs. Only buy those that you cannot get for free at the library or that you will use repeatedly.
13- Use coupons whenever possible, but only for items you would buy anyway.
14- Use sales fliers and the Internet to comparison shop. Prices can vary widely from store to store on the same item.
15- Warehouse stores (Sam's Club, Costco, etc.) are not always the cheapest option. Often times a generic or store brand elsewhere will be just as good and less expensive than a name brand at the warehouse store.
16- Avoid the use of credit cards, charge accounts, rent-to-own, and other forms of debt. You will not only save on interest and other fees, you will most likely buy less in the first place.
17- If you have credit card debt, be extra diligent to make payments on time. The late fees and higher interest rates due to missed or late payments add up fast.
18- Hang out your clothes to dry. Dryers are among the most expensive appliances to run in terms of energy cost.
Struggling with personal finances and debt? Dave Ramsey's Complete Guide to Money covers how to budget, save, eliminate debt, and invest, all from a Christian perspective without being "preachy."
Written in an easy-to-understand style, the book is full of details and gives you a roadmap to financial success, including complete coverage of Dave Ramsey's now famous "Baby Steps" for getting out of debt and building wealth.
Please click here to buy Dave Ramsey's Complete Guide to Money on Amazon.