When buying beef at the grocery, look for the "Manager's Specials". The stuff that's a tad browner than the bright red cuts? It has more flavor and is way more tender. Smart beef-eaters know that the just-turning-brown meat is AGED. If they called it "aged" instead of "Manager's Special", they charge you way more for it. Don't take my word for it, ask the butcher. He probably has a handful of "in the know" customers already who buy up the "Special" beef. Just use it right away or freeze it for later.
Have a written budget EACH and EVERY month, and stick to it. I use a customized spreadsheet that I made (with a wink and a nod to Dave Ramsey). It automatically tracks remaining funds while I am allocating my take-home pay to the various items listed. FReepmail me if you want a copy, I'm happy to share.
Neil Boortz related a way to force yourself to save in Somebody's Gotta Say It!: Never pay for anything with $1 bills. And then stash the $1's you get in change in a savings account, or even a piggy bank, but stash them! You'll save a lot of money in a little time.
I have one more car payment and then I am debt-free! Woo-hoo!
“I have one more car payment and then I am debt-free! Woo-hoo!”
Are you going to call in to Dave Ramsey and give the scream?
Another money and time saving tip: download podcasts of financial shows on i-tunes for free. Dave Ramsey and Clark Howard put some of their programs on there for free. And no commercials.