Every day, from telemarketers to mail order catalogs and television commercials we get read and hear these magical words: clearance sales, zero interest payments and discount coupons. All geared to stop us from saving, and get us spending on items we really don’t need, just want.

How can you spend wisely and have more savings? Teach yourself to be a disciplined and intelligent buyer, thereby accumulating savings instead of credit card debts. Start by asking yourself these pertinent questions, as you are shopping:

1. Is this item something I can’t do without?

2. Do I have something at home similar to this, which I can use instead?

3. How long will I have to work to pay for this?

4. Do I just want this? Or really need it?

Here are simple every day strategies to get you saving.

When you buy on sale, you are saving more. Ask the store when the item will be on sale. Schedule your purchase of bed linens and towels during the time when the store does their annual sale. This tip will generate you a savings of as much as 60% off the regular prices. You get even more discounts if you buy discontinued patterns.

Cut out discount coupons, and use these, for these coupons will give you as much as 20% savings. When there is a sale on staples that are easily consumed, such as pasta, stockpile on these items. Make it a habit to buy the store brand products, and constantly look out for better prices, from reliable manufacturers.

You’ll have more savings if you take advantage of rebates, use the rebates given. Use a frequency shopper’s card, as this card entitles you to rebates and discounts and freebies, adds up to more savings!

Prepare a shopping list before you leave home and stick to it. It will stop you from impulse buying or making duplicate purchases. This tip alone will give you added savings.

Remember, it is true now as it was then, when the phrase was first coined. “A penny saved is a penny earned.” Why spend unnecessarily on frills that do not add value to your life? Simplify the details of your life and accumulate savings.

Timothy Gorman is a successful Webmaster and publisher of Debt-Relief-Solutions.com. He provides more debt relief, consolidation and financial planning advice that you can research in your pajamas on his website.

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