$mart Suzy: WINNER of night at Blue Licks,
listen to mom, special coupons — for mom

1. A good deal is not a good deal if you didn’t need the item in the first place.
2. Skip store credit cards– you don’t need them!
3. Never pay an annual fee on a credit card; you can find plenty of good ones for free.
4. Turn down the heat and put on socks. The extra money can go towards a new purse!
5. Use only cash for groceries to avoid impulsive buys.
6. Menu plan for the week.
7. Never use wrapping paper.
8. Rich people will bend over and pick up a penny and poor people with walk on by.
9. Shop clearance racks; never pay full price
10. If it is not at least 50 percent off it is not worth buying …….Everything goes on sale.
11. Make sure you know what you already have before you leave the house to go shopping.
12. Always head for the clearance rack first.
13. Never pinch money when it comes to health.
14. Never take on a payment that is more than one paycheck.
15. Don’t be afraid to spend money on quality! One great pair of jeans is better than 10 so-so pairs.
16. Cook once for two or three days Shop by volume price and sales. ALWAYS shop with coupons and a list.
17. Always head for the clearance rack first.
18. The best money saving tip I learned from my mom is how to substitute nearly EVERYTHING in recipes!
19. My mom taught me to stack coupons with sales items & to stock up when things were on sale.
20. Look up and down not just at eye level at the grocery store.
21. Money saved using coupons that you would have spent without them, put in savings account.
22. Use zero balance budgeting! Pay yourself first.
23. My biggest saving tip, is to cut your dryer sheets in half. They still work the same, but you can double the box life.
24. My #1 money saving tip. Don’t buy what you don’t NEED. Realize that NEEDS and WANTS are different
25. Use 20 percent of your budget to stockpile & 80 percent to get you through the week. Soon, you’ll have enough stockpiled; just replenish each week!
26. Never go grocery shopping hungry
27. Always save for a rainy day. Don’t spend all that you earn right away!
28. My mom taught me to check the price per ounce on items to see which size is a better deal
29. Just don’t buy anything dad put on the list. his latest was bacon, Quik, and ice cream,
30. My mom taught me to use the library before going to a bookstore.
31. Never pay full price! Research, plan and prioritize.
32. Act your WAGE!!
33. Love what you have, then you’ll have what you want.
34. A good pair of shoes is very important. You don’t need a lot of shoes; just a few good pairs.
35. For every penny you spend, make sure you put two away for a rainy day!
36. Wait until after the holiday to stock up on clearance items for next year.
37. Use it up, wear it out, make it do, do without.
38. Spend more on less, not less on more.
39. Never buy something simply because someone you know has it. That’s a reason not to buy it! Borrow it.
40. If you’re not sure you need it, sleep on it.
41. When you’re updating your wardrobe, choose expensive pieces in black, inexpensive items in trendier colors.
42. Don’t be afraid to be the only one not spending.
43. Rainy days come more often than you think.
44. Don’t assume you’ll always be able to earn what you earn now.
45. When you get a raise, send it straight to savings.
46. Never buy the most house you can afford.
47. Just because you can buy it, doesn’t mean you should.
48. Understand the difference between an expense and an investment; expenses just costs money, an investment costs money and makes money.
49. Take care of the pennies and the pounds will take care of themselves.
50. Don’t be embarrassed to use coupons. Be embarrassed when you pay too much!