A government study has estimated the average American waste 25% to 35% of their net income each year. The waste is on products and services people could have purchased for less money and of better quality.

 Most people buy on impulse, without the benefit of research or This Source.

This chapter will give you simple suggestions on saving money in a many ways.

Knowledge, awareness and attitude foster the secrets to saving money everyday.

Would you like that? Of course you would. The ideas on the following pages will

give you not only the knowledge but the all-important attitude of saving money.

The chapter won't turn you into a penny-pinching, tightwad. That's no fun. Such an attitude suggest hard-ship, scarcity and desperation.

A desperate minded people pay the highest prices for products and services. It's all in the attitude, not just how much money you physically have in your bank account.

You'll discover learning these simple but wise shopping skills and habits fun, exciting as wells as healthy for your wallet. In addition, you'll feel an added jolt of security knowing you're saving money instead of wasting it.

You'll experience a toe-tingling feeling from knowing you've gotten the most use from your hard earned money.

Being a "get your money-worth consumer" demands intelligent buying habits and an always questioning mind.

The first question you should ask yourself now is "Do I really like money?" . At first glance, this may sound like a silly question, but I find many people don't like money.

Most people like what money can buy, but they don't really like or feel comfortable with money. For example, they don't save it, they don't invest it so it grows, they don't even practice wise shopping habits (like the ones found in this book).

Here's a money truth. If you don't like money you'll find it easy to waste it, squander it away, allow others to cheat you out of it or spend it on items of little or no value.

Sound familiar. If this is someone you know I invite you to share this book with that person, they'll love you for it. If this is you don't despair, by reading this book and following the suggestions - this won't describe you much longer.

Now let's review 25 secrets that will save money everyday.

1. Instead of buying a product or service with cash, consider trading an item or a special skill you have of equal value. Consider using a

http://www.thebarterclub.com online or in your local area.

2. Remember: It's always cheaper to do-it-yourself provided you have the proper knowledge, skill and equipment to do it.

3. When possible avoid buying disposable items, such as razors, flashlights, diapers, etc. In the long run the cost of disposable items is two to three times the cost of non-disposable items. This really gets expensive if you use these items everyday.

4. If you use credit cards pay them off monthly to avoid interest charges. Let your attitude be "If I can't pay for this in 30 days or less" I can't afford it.

You'll find it surprising how many temptations to overspend you'll avoid with this simple attitude.

5. If you can wait and buy clothes out of season (summer clothes in the fall, winter clothes in the spring) you can save 40% - 75%.

6. Want to know a simple trick for saving gas? Put gas in your car early in the morning, you'll get more fuel per dollar. Why? Because as the day warms up, gas in your tank expands causing you to get less per gallon of gas.

7. No person can buy more than 24 hours in a day - no matter how rich, powerful or famous. That's how valuable time is. Time is money.

So, anything you can do to save time and use it more efficiently is like money in your pocket. Taking the time to read one of the many good books on time management is a good investment if you need ideas.

8. Carpool to work when possible and reduce the cost of gas, parking and other transportation expenses. Many companies offer special benefits and perks to employees who carpool to work. Contact your manager for more information.

9. If you're a homeowner, get a good book on do-it-yourself home repairs and preventative maintenance. Not only will this save you money (up to $100 an hour). But you may discover you may actually enjoy doing them.

10. Want to know 8 simple words that will save you hundreds of dollars this year? Here it is.

Before you buy that expensive product, ask yourself "Can I make do with what I have a little longer"? You'll surprise yourself how many times you'll say yes - and the amount of money you'll save. If nothing else, asking yourself this question makes you stop and think longer.

11. Never sign anything until you read and understand everything. A good idea is to read the fine print first. Because the fine print is where the restrictions, penalty clauses and limitations hide.(The "Gotcha" clauses).

12. Before you buy a book, CD or DVD check your local or county library first to see if they have it or if you can get them to order it.

13. If possible, do your house or apartment hunting in the winter months because fewer people are looking then. This could save you 10%-15%.

14. Practicing preventative maintenance on your possessions (car, appliances, clothes) will save you hundreds of dollars a year. Because it cost less to maintain an item than it does to repair or replace it. The longer you neglect it, the more it will usually cost to repair it.

15. Save on the cost of furniture. Buy"unfinished" furniture. Stain and varnish it yourself and save 40% to 75%. It's also a relaxing hobby.

16. Plan your "http://nicheman.furniture.hop.clickbank.net/" purchases at the first of the year (January and February) and in the middle of the year (June and August). This is when most sales occur.

17. Five words that will save you thousands of dollars this year if asked before you buy. "Do I Really Need It?"

18. Taking your lunch to work will save you almost twice as much as buying it from a restaurant or snack bar.

19. By law all aspirin is the same chemically, so buy the cheapest and save money. Otherwise you're paying extra for the packaging, marketing and distribution cost. They won't help your headache or pain.

20. Save money on medical cost by practicing healthy habits. Eat a balanced diet, exercise, get plenty of sleep and get regular check-ups.

21. Because time is money, consider traveling, running errands and shopping while most people are at work, in school or still in bed.

22. Familiarize yourself with the latest in

Comparison Shopping Engines and auctions (see last two chapters). The internet is a major source of bargains. Doing business online saves retailers money who pass those savings on to their customers.

23. Learn to enjoy the simple pleasures of life. Get in touch with your spiritual side and you'll be less prone to overspend to compensate for ignoring your spiritual side.

24. Learn to take advantage of the low and no cost entertainment your city and county government offers. For example concerts in the park, parades, museums, art exhibits and more.

25. Contrary to popular belief, it's not just your income or expenses that can keep you from saving. According to government research, it's developing the habit of saving. Try to save a portion of your income each payday, even if it's only a $1 to begin with.