Who couldn’t use some extra money?  I know I could.  Something else I know is that people who have money earn interest on theirs, instead of paying interest to someone else.  If you are ready for some different results and want to start earning interest on some of your money, try applying these tips so you can spend less and save more.

  1. Eliminate cable or at least reduce the number of channels to which you subscribe
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  2. Sell items you no longer use on Craigslist, EBay, or at a yard sale
  3. Only drink water at lunch and dinner and never order dessert
  4. If you have a cell phone, get rid of your home phone
  5. Pack your lunches and snacks instead of eating out or using the vending machine
  6. Turn the thermostat down in the winter and up in the summer
  7. Exchange your smart phone for a TracFone
  8. Bargain shop for clothes, food and household items
  9. Sell your plasma
  10. Make a list and make sure you eat before going grocery shopping
  11. Pay yourself before paying anyone else (if you bank online set it up as an automatic bill)
  12. Check out movies from the library instead of renting or ordering on-demand
  13. Sell your jewelry that you seldom or never wear
  14. Choose generic/store brand over brand name
  15. Spend time helping others instead of spending money on things that can’t love you back

Insanity is doing the same thing over and over again and expecting different results. There are many ways that you can spend less and save more but the most important lesson is that you have to start making different decisions when it comes to your money.  If you do that, you will start getting different results.


Repak 4-14-1 (1)Steve Repak, CFP®, is an Army veteran, transformational speaker and consultant. Steve was selected the 1995 Fort Bliss, Texas Non Commissioned Officer of the Year and graduated Summa Cum Laude with a Bachelor of Science in Management Communications from Amridge University. He now works for himself as a successful Certified Financial Planner™ in Charlotte, North Carolina, where he lives with his wife and three children. For more information, visit www.steverepak.com.


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