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CONSUMER CULTURE ARTICLES - FROM SAVVY-DISCOUNTS.com

1.0 EARN $50 AN HOUR - WORK AT HOME

Suppose you came across this advertisement:

"Earn $50 an hour tax-free in you spare time! Work at home. Everyone qualifies. Pay increases annually."

You'd probably think it was a bogus envelope stuffing scheme or a work-at-home rip-off.

But the truth is that you can earn $50 a hour tax free if you work one or two hours a week learning new ways to save money.

Many people think that saving money is too much work. Yet, it should take no more time once you've learned the necessary skills. However, learning these new skills does take time. I recommend devoting one hour a week, two hours at most, to learning new techniques. It may take two or three years to put into practice all the ways you can cut expenses. It's like starting an exercise program or a diet. The best plan is to be realistic and find a program that you can stick with.

Learning to save takes a tiny bit of effort because you must discard your old shopping habits and establish new habits. Changing habits is work and most people are very attached to their old ways. They are quite reluctant to try something different even if it means saving a substantial amount.

Getting people to change their habits it perhaps the most difficult obstacle that a newsletter like this faces. People would love to save money but have trouble making the effort.

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I recommend you reassess all your expenses: groceries, utilities, health care, clothing, vacations, transportation, insurance, gift giving, entertainment, restaurants, taxes, housing, etc. Be thorough but at the same time concentrate on major savings. Savings should be calculated on an annual basis. Concentrate on one category at a time until you have mastered all the ways to save money in that category before you move on to the next area.

Here is one simple example. If you raise the deductible on your home owner's insurance and set up a savings account into which you deposit the money you've saved (as we have recommended), it may take a couple of hours to accomplish this. Yet once set up it will take no more time and you will be saving money for years.

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