Did you know that the average American family, according to Statistics Brain, has $3,800 in savings? Yet, the average amount need for retirement is $35,000! Not only that, but only an estimated 38% of Americans, according to Statistic Brain, have an emergency fund to fall back on! No doubt, these economic times are tough. Saving money is harder than ever, as evidenced, and so too is getting a loan. In fact, an estimated 32% of home loan applicants in the U.S. were rejected last year for credit related reasons.
The fact of the matter is that everyone could use some easy money saving tips. The first step towards a more financially secure future is to plan finances one week at a time, so as to see exactly how much you’re spending compared to what you’re earning, creating simple family budgets. O
Americans are being pushed to their financial limits everyday. Did you know that 76% of the United States is living from paycheck to paycheck, according to CNN Money? As Gallup shows, the median amount spent by Americans on groceries each week in 2012 was $125 dollars. That equals $6,500 a year spent on groceries alone.
Those are not our only expenses. We have to worry about gas for the car, paying the electric bill, and providing our children with the school supplies they need to succeed. With all of these costs piling up, more and more Americans wonder how they can save a buck to survive. Here are four money saving tips to help you and your family do more than just get by.
- Learn How to Create a Family Budget
If you want to learn how to save money
Nowadays, especially with the uncertainty of the economy in many areas, families are trying to find household money saving tips that allow them to cut costs and keep more money in the bank. The typical family budget will have to include things like groceries, car payments, utility bills, and a little bit of room for fun. But, unfortunately, not every family is able to do that easily, and it can be difficult at times to find the right balance. In order to make sure they are able to stick to their budget, and maybe give themselves a little wiggle room to do something fun at the end of the month, families should try to take advantage of some of the top money saving tips.
1. Buy in Bulk
By shopping at warehouse stores, families can find items like toilet paper, shampoo, and canned foods that they can buy a
Entertainment is no longer a guaranteed investment. Of course you might buy a movie ticket for a flop, or swipe your card for a round of golf mere seconds before the thunderstorm starts, but those have always been risks inherent in purchasing anything. People nowadays (specifically online gamers) are shelling out hard earned money to purchase things which will certainly increase the likelihood of having a good time, but which still ultimately depend on the skill of the purchaser.
The free MMORPG “Hero Online” is a prime example. As with any MMORPG, you design your character and choose your skill sets and weapons. And as with any MMORPG, you can increase the potency of those skills and weapons through interaction with other players and the environment, whether through cooperation, combat, or the simple act of not