10 Easy Ways to Create More Money in Your Life

1. Stop buying $4.00 coffees when $1.20 coffees are rated as better. Why wouldn't you buy a large coffee from McDonald's for almost three dollars cheaper than Star bucks. The coffee from McDonald's is internationally rated better than Start bucks and there is no need to spend that much extra on a cup of coffee. It is wasteful and expensive on your life.

2. Car Pool to work. Normally we all have two or three other people that live near us that we could car pool with. It saves gas, it creates less traffic on the roads and ends up saving time. With the rising cost of gas these days it is a very simple way to keep more of the money you earn. It will also help you connect further with co-workers.

3. Bicycle anywhere you can. If riding a bike around town is a possibility for you it will save gas, create less traffic, and provide you with much needed exercise. This is much less damage to our environment than driving a car and is almost as convenient. Most people that start a cycling commitment end up very happy with their decision. Many communities are starting cycling paths to ease on the traffic flow and damage to the environment.

4. Stop Smoking Cigarettes. If you are a smoker this always sounds like do-gooder talk. I used to heavily smoke and quitting changed my life dramatically. The first thing it did was save me a bunch of money as buying packs of cigarettes every single day added up to a small fortune every year. The second thing it did was allow me to breathe and smell, and taste better. Their is more to it than that. Since quitting I did not feel as sick as I felt before and it has reduced my doctors visits to none.

5. Get proper rest. When we are tired we tend to be lazy and make mistakes. It is said that One in ten traffic accidents is sleep-related, and up to 20% of drivers fall asleep at the wheel. Your productivity at work will definitely be affected by a lack of sleep which in turn affects your ability to increase you own value and make more money. Long-term sleeplessness also causes hazards to your physical body and can heighten stressful situations.

6. Network with your friends, family, clubs, or church to let them know what you need. There is nothing more wasteful than spending money on something you could get for free by donation or barter. Our poverty is directly linked to our inability to have second-hand/used items and keeping up with the Joneses next store. If we want to keep more money in our life we have to understand how to creatively acquire our needs by spending the least possible amount of money.

7. Make up menus ahead of time and shop for volume discounts. The more detailed your plan the more likely you will be able to achieve your plan. If you go to the store with no plan for what to buy you will end up buying a lot more than what you were not planning to buy. Make up specific menus for every day/every meal and then determine what to buy to ensure the least possible amount of money spent. We buy too much stuff because we have no real plan. Write a plan and stick to your plan.

8. Don't ever shop at convenience food stores such as the local corner store or gas mini-mart. The three-shaver pack you could buy at the dollar store for one dollar will cost you $4.59 at a local mini-mart. The price of convenience is poverty. Our American convenience is the source of our poverty. We have to get beyond strictly convenient things if we ever want to grow our wealth. Your financial future will depend on what type of action you take to stop the bleeding in your checking account.

9. Have potlucks rather than dinner parties. This is one easy way to quickly curb your spending and continue your social life with interest. Force your friends to prepare their own unique dishes to bring to your get togethers. This will force each to value your time and money more and to be creative in preparing for the get togethers. I always find themes helpful in guiding our friends towards specific kinds of dishes. Pasta dishes and appetizers normally are the cheapest.

10. Pick hobbies that don't cost a lot of money. If you get into golfing do you run right out and buy a four hundred dollar set of clubs? Pick hobbies that are cheap and easy to do with what is available to you. If you must get into a hobby that requires equipment get creative. Borrow or rent equipment or barter for trade. My wife and I have always been into boating. For years we have debated buying a boat trying to convince ourselves why spend money to rent one when we could spend the same kind of money to buy one. If we buy one on credit it would cost $100-400 per month for years depending on the kind of boat. Normally when people make large purchases they use the items for the first few months extensively and then start to slow down their use or stop using it altogether. If we can rent a boat for the day for three hundred dollars and we don't do it that often it makes far more sense to rent without the cost of storage and maintenance tacked on over the years than to buy. Anytime we are interested in boating we just rent a boat. This way we are not still paying on a large item that we never use anymore and there is no time invested in maintaining this expensive hobby.