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(903) 455-1041     3101 Joe Ramsey Blvd. Suite 107, Greenville, TX 75401

Financial Lifestyle Management Greenville Texas – Vicki Ward

Financial Lifestyle Management Greenville Texas - Vicki Ward

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How much could I save over time?

Greenville, Texas Financial Advisor

Tips on Saving Money

Every one of us wants to live a pleasant life while also saving money. Unfortunately, this is easier said than done because we have a tendency to overspend, which leads to shrinking savings and maybe debt.

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Budgeting is the best way to save money.

  • Many people recommend retail therapy to help them relax after a long week at work, but if you make it a habit, shopping will get you into trouble. Try not to buy things on the spur of the moment, and never buy something just because a friend has it. It’s fine to spend money on clothes and accessories once in a while, but it must be done on a priority basis.
  • When it comes to food, most of us tend to overestimate how much we truly need and end up buying a lot more than we need. Make a list of everything you’ll need and stick to it when you go shopping. Don’t buy anything additional just because there’s a discount.
  • Saving money using coupons and vouchers may not seem like much at first, but it may add up over time. A lot of supermarkets, restaurants, movie theaters, and other businesses have coupon programs where you can obtain big discounts if you have a coupon. Vouchers can be used for a variety of things, including home or car maintenance, haircuts, and pet care.
  • Examining your invoices and bank statements may reveal some unexpected findings. For example, you may be paying for a gym membership that you no longer use but were previously unaware of. Look for any hidden costs and remove them. Bills and direct debit / standing order payments must be accurate to the last cent.
  • If you’re not careful, wasting energy can eat into your savings. Do you have a habit of leaving electrical appliances on when they’re not in use? Make sure such equipment are not left on needlessly, turn off lights in unoccupied sections of your home, and replace incandescent bulbs with energy-saving bulbs.
  • Another place where you can save money is through conserving fuel. Every chance you get, get out of the car. Try to take a bus or the subway while going to work or carpool if possible. Use a bicycle or walk to go to neighborhood retailers and department stores.

If you can decrease unnecessary spending, you can save a lot of money over time. It may take some time to accumulate a significant amount, but it is well worth the effort.

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  • How long will it take to pay off my credit card?
  • How much should I save each month?
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A trusted independent fee-only advisor, and fiduciary, can be your greatest asset. Free from conflicts that come with selling financial products, fee-only advisors have a legal and ethical responsibility to put your interests first.

Call: (903) 455-1041

Vicki Ward CFP®
Financial Lifestyle Management

3101 Joe Ramsey Blvd. Suite #107
Greenville, TX 75401

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