5 Worst Ways to Waste Money

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You work hard for your money and you want to make sure you aren’t wasting it. But over and over again, you are probably doing just that, in the form of unnecessary fees and purchases.

Brand Names

Generic brand cereal and milk are cheaper than name brands, usually by at least a dollar, but for some reason many of us can’t ignore the familiar, fancier logo of a recognizable brand. We fall for it repeatedly even though oftentimes the difference between a generic and brand name product is just the packaging. The ingredients may be similar.

 
 

How to Save Money: Take time to compare products by going over the ingredient list. Don’t tell your family members, and see if they notice the difference. And if they don’t, you’ll end up with more money in the family budget.

Premium Gas

You might think it’s better to put premium gasoline in your car because you think it contains more cleaning additive than regular unleaded gasoline. That sounds like a good theory, but it is not necessarily true. Go by your owner’s manual. If it suggests premium, use it. But if it doesn’t, don’t feel bad about keeping the extra money. Your car probably doesn’t need it.

How to Save Money: Look into ways you can save a few bucks by signing up for rewards cards that shave off your price-per-gallon, or gas credit cards that give you cash back for the gas purchase that you have to make anyway.

Extended Warranties

Consumer Reports surveyed thousands of car owners, and most of them found they paid a lot more for their extended warranties than they got back in savings when it came to repairs. Some people never needed the extended warranties at all. Others found that the repairs they needed weren’t even covered.

The same issue comes up with extended warranties on other big-ticket items around your home. While a warranty that covers your electronics or appliances sounds helpful, it won’t do you much good if you don’t use the items very much, if the gadget is obsolete by the time it breaks down, or if the warranty cost more than the service charge to repair it.

How to Save Money: You may automatically get an extended warranty when you purchase a big-ticket item, such as a computer or an appliance, with your credit card. Exclusions apply, of course, but many top credit cards do offer this perk. Check with your credit card company to see if your card offers it, and what the limitations are.

Memberships

Memberships like gyms are great but only if you go regularly. Gym owners know this – that’s why they tend to put members on a payment plan that automatically pulls monthly fees from their credit card or bank accounts. These charges can be as high as $50 to $100 per month.

How to Save Money: Regularly review your credit card statements to check for any recurring charges you may have forgotten. Don’t forget to consider cheaper alternatives. For instance, if you’re not passionate about the gym, then make your own workout space at home or take up outdoor activities, like running, which don’t cost more than the price of sneakers.

Impulse Buys

Whether you grab an extra bag of chips toward the end of your grocery store trip or pick up a soda on the way out of the gas station, it’s impulse buying. Retailers know they can tempt you by putting items in a bin close to the checkout counter when you have less time to second-guess your purchases.

How to Save Money: Practice the walk-away test. Stick to your shopping list and walk away – for at least 10 minutes – when you suddenly feel compelled to buy something that’s not on your list. You may forget all about it after the time has passed.

By: Lori for CreditDonkey.com
Source: www.care2.com

2014-02-12T11:45:12+00:00

Related Questions

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    Q: I've been taking classes on how to be more responsible for myself naturally because, my Naturopath became a burden to my pocket. I have no insurance, and I don't make a great deal of money as a massage therapist. Visits were at least every six weeks. He did more talking (irrelavant to my case) than evaluating. The supplements I could find (same brand) for at least 1/2 the price elsewhere, but was left to trusting him for my first supply. I wasn't even sure why I was taking some of them. I've been reading as many of your articles as I can, in order to get a clue about what's best for me. YOUR GREAT! But there are times when I feel I need expert advice on how my body feels. Though I felt taken advantage of by my Naturopath. Can you give me an idea on how to ID a good one on this side of the world? What would be a typical intake? Price?

    A:

    Hmmm! Intake, Price? That's going to vary! The best way to determine anything is based upon your intuition (energy). A good ND listens to you! Their price is pretty economical, or they will work with you to help you out financially. They don't push their products on you, they just inform you on what you need. They let you know you have free will and choice! A good ND will allow you to ask questions and give you answers that suffice your questions.

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    Q: I am beginning a career as an artist but I am a single mother. I have worked in many corporate offices as a temp. I have attempted attending schools for things I thought would make me money. I really want to be a successful artist but I also have to take care of my son and work on art and work on my freelance contracts. I do not make the money I want or live where I want to live yet. I help my mother with her bills, I buy groceries and cook for everyone, I work at my uncles center for children and out of an art gallery at the homeless shelter as well as attend courses regarding the art business. I am doing it all without acquiring debt but I would like to know if it sounds like I am doing enough. I live a very lonely life, no real friends, no boyfriend. The only "kicks" I get are smoking a little weed and drinking a little wine here and there. I take my son to school and pick him up daily. I made sure I got him into one of the top schools in my city I also try to teach him and read to him as much as possible and keep him out of trouble. It gets hard. How do I stay motivated? I think the thing that bothers me most is uncertainty and the lack of money I have right now. How do I get to the next level financially without acquiring debt or having to fight traffic and deal with crazy attitudes every day?

    A:

    I apologize for the very delayed response, we have been experiencing technical difficulties.  I first would like to commend you on your ability to prioritize in such an effective manner.  Your life sounds like one lived in great service to  and love of others.  However, it is also VERY important that you receive energy from others so that you do not become too imbalanced.  Balance in life is crucial in all things (spiritual, physical, cognitive, relational etc).

    Your loneliness is your heart's/spirit's way of asking for relational balance.  It will continue asking louder and cause difficulties in other areas of your life/being until you create this balance.  Your substance use (and thank you for your honesty) only temporarily masks the loneliness, but drugs can only make it worse.  You see, drugs block us from becoming skilled at creating healthy relationships because they numbs us by turning down the volume on our brain's natural pleasure-centers.

    Additionally; keep in mind:  Your first fruits are always to be consumed by YOU!  You must always place yourself first, even before your son.  In example:  Airlines direct you that in the event of trouble you are to place your own oxygen mask on first.  You can be of no use to your son if you are unconscious due to lack of oxygen.  Similarly, if you give all of your fruits to others, you will have no "seed" or energy to produce more fruit.  

    You must give to you first!  Then you have the energy to give to others.  It teaches others how to give to you, how to love you, how to respect you and your needs while giving them the opportunity to reciprocate by giving to you.  This is how we balance giving.  Don't worry if it feels selfish at first, it definitely will seem that way, to you and possibly others.  Its just the change of tides making everyone feel a bit uncomfortable - but this will balance out in time as you become  more skilled at receiving and feel more worthy of others' care .

    I realize you have asked several other questions, however I have addressed the one I feel will help unblock your energy and allow you to see that the answers to the other questions have always been right before you.  We are born with everything we need to accomplish our goals, we only need to focus on the proper utilization of these gifts and resources.  If you couple this skill with fearlessness and belief in oneself, you will win.

    This communication does not constitute a client/coach relationship.  This is for information purposes only.

    Life is simply beautiful! 

    Enjoy your Self!

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    Q: I am returning this product to you for my refund. I liked what you said in the article about fibroids. I wanted more information such as success stories or testimonials. You said I should just go with the flow and order the product. That it didn't matter what other women had experienced. After getting the product on Wed, I checked the ingredients on the internet. It seems that one herbal website strongly advises women with fibroids not to take Dong Quai. Also Julia Chang on her website - www.sensiblehealth.com says that it is one of the herbs I should not take. That Chinese doctors do not understand female hormones, etc. I have bought a lot of stuff on the internet with my credit card, this is the first time I am returning something. Oh well, back to the basics. I will read over your Full Body Cleanse. Thanks!

    A:

    As long as the bottle is unopened you are entitled to a refund.

    However, none of the herbs we use will have you experiencing any negative side effects. Dong Quai and other herbs only provide beneficial results.

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    Q: I re-read your Money, Abundance Manual the other night and had a couple of points I needed clarification on. 1.The Feng Shui of the home. You gave a description of a room as it relates to different things (i.e. right center = children and creativity), What does that mean? Are you referring to pictures, memorabilia of children and creativity? 2. On one page you stated for aquariums and fountains to be placed in the front center of a room, and then on another page you said it should be placed in the left rear corner?

    A:

    1. You gave a description of a room as it relates to different things (i.e. right center = children and creativity)But what does that mean?

    ANSWER:
    It only means the energy is conducive (supportive) to these things according to the feng shui custom. That's all!
    2. On one page you stated for aquariums and fountains to be placed in the front center of a room and then on another page you said it should be placed in the left rear corner?

    ANSWER:
    It varies according to the goal, Beloved. Sometimes it's more beneficial to have it in the front and other times in the back, depending on the goal.

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    Q: I've been plagued by uterine fibroids. I've had 6 surgeries and they keep coming back I tried your detox and female detox plan, eating healthy. I thought I was doing well but they've come back. I want to try to have another child with my husband of 15 years. My doctor wants to do IVF. He says it's our only hope. I'm 39 he says time is running out. I believe there is another way. My doctor is insisting I'm wasting time & money trying to use alternative & herbal remedies. He says if there was a magical herb there would be no plants or trees left. I am ready to accept whatever fate is bestowed upon me but don't want to become homeless in the process. Your honest and professionalism is greatly needed. Sincerely.

    A:

    The choice is your and yours alone to make! Naturally, to heal will take some time, just as much time as it took to develop the fibroids via what you ate, thought, did, etc. You have to stay committed to any natural protocol, Beloved! Naturally healing takes time!

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    Q: I'm 17 years of age and go to a boarding high school in Florida. I just moved here from L.A. Over the summer. I've always been passionate about picking up valuable information that is not taught in schools. Even though I've always gotten good grades in all classes, I have always had a dislike for school. I feel like it is trapping me, because I have very little time to study topics that are truly beneficial such as law, herbs, history and many other topics. I just wanted to give you a brief background image of me; bottom line is this... I want to be part of what you are doing. I know you probably have so many positions filled. And I've never been materialistic and never liked school, but I also understand that if I want to get out in the world on my own right now I need to have a situation where I can make a sufficient amount of money to support myself. So I'm just letting you know I'm very passionate about helping people heal themselves and I would be very committed to what you are trying to accomplish in terms of healing people mentally and physically. I feel so thankful because most people don't get the opportunity to come across TRUE herbalism, TRU history, TRUE law, etc, until they are deep into adulthood, if ever. And I feel like I must fulfill my opportunity starting NOW. Because if I don't, I would be failing the mission I was incarnated here to do. Peace

    A:

    Greetings, Beloved! You have recognized at a very young age that school is a waste of time as measured against the subjects of your heart. Make the time to study the topics of your interest. It's well worth it, Beloved! I did it for many years of my life and when I was out of school and got into knowledge, I spent almost whole days studying the interests of my desires which has led me to the life I am now living. I'm glad I followed my heart. In regards to Dherbs, unfortunately Beloved, I am an Inter-net company only and thus have no positions available. What is your zodiac sign? Maybe we can help you to find work that is suitable to your interests. Your 10th House explains the area's best for you work-wise. Hey, thanks for reaching out, Beloved! One day I would like to employ thousands of people. If you ever want to talk or need advice, give me a call!

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    Q: I am interested in purchasing a few items in regards with helping me to detox, the complete package purchase is not do-able at the moment due to the overall cost (I think it is like $172.00 with shipping), is there another way of getting started with detoxing with a cheaper price

    A:

    YES, LOOK INTO PERFORMING THE DHERBS 10-DAY SUPREME COLON CLEANSE. DRINK THE DETOX TEA (2 CUPS DAILY) WHILE PERFORMING THIS 10-DAY CLEANSES.

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    Q: You mentioned in the Money manual Vol.1. That Verbal Advantage played a major role in your mastery of the english language. Are there any other resources that you can recommend?

    A:

    Yes, there were, such as Verbal Command, Princeton Review, and Word Master. I suggest you purchase and listen to anything that helps improve your command of the English language.

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    Q: You are absolutely right. I just read this e-mail but went to the market earlier and really had to look at myself. I have more money on my feet than I wanted to spend on what I put into myself. I am happy that I made that distinction and choose organic. Money is no option when it comes to my health anymore. Thanks for keeping it real. That?s exactly what I need! Today is my first day and I am extremely excited about living a different life. Ok, I'm ready to cleanse...again. I've decided to focus on cultivating my feminine self so I've purchased your Female Cleanse as a start. I have one question though. I was wondering if adding 15 minute sunbathing to the cleanse would be helpful? The sun appears to be quite healing so I thought it may complement the cleanse. Also, would it be unwise to start the cleanse if one is on their cycle?

    A:

    Sunbathing won't hurt your cleanse. Not at all! And no, being on your menses also won't hurt or impair your cleanse.

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    Q: I saw your website and I'm very interested in buying the pills from your website, but I'd like to know if it's similar to the Martha's Vineyard diet. I tried to do it, but I felt very weak and hungry. I didn't do it for more than 1 day. I would like to know if in your diet, I would be allowed to eat anything or if is just liquid also. If you could, please send me a basic manual for a regular day besides the pills. I'm really interested in buying it, but I don't want to spend this money and not be able to finish the diet. I need lots of energy for my regular days. I'm a very active person. I can't feel sick, weak or dizzy during the day! Please help me!!! I hope to hear from you guys soon.

    A:

    No, our Full Body Detox is not similar to the Martha's Vineyard diet as you can eat RAW FOODS during our detox. Our kit and regimen comes with everything you need including the diet plan and regimen. It's very complete! Very unique! THE BEST!

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    Q: What do you think about tarot card readings? Do you think I am to make my life or is it already planned? Can astrology help me know of future, or finances?

    A:

    Tarot cards are a from of divination, and can be very helpful in helping one to discover their life's purpose and path. Your life is partially planned (right hand tells this), and then planned by yourself on the mundane level (left hand). Astrology can help you to learn about future finances only based upon patterns that have been established. If these patterns change, then your finances will change, but you are the cause of this change.

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    Q: I was wondering, is there a "less expensive" alternative to your ANTI-VIRAL CLEANSE AND REGIMEN? Honestly, I don't have the money to order the entire kit right now. I previously did your FULL BODY DETOX and was very satisfied. I suffered from HSV2 for 15 years and since doing your kit 4 months ago, I have quit the pharmaceutical medicine and have not had any reoccurrence. I really would like to do the antiviral kit but at the present time cannot afford the entire kit. Is there a breakdown regime of the kit that could still be worth while but a little bit more of the cost conservative side? I will wait to get the kit if you recommend doing it that way instead but I’m wondering if you had any other options, more around $100. I have really enjoyed reading your monthly newsletter since becoming a member and have started on your articles. Great work, makes you re-think old ways that aren't beneficial for higher purposes. Any feedback that you can give, I'd appreciate it.

    A:

    I would recommend a daily regimen of ANTI-VIRAL FORMULA, RAINFOREST TONIC, and BLOOD AND LYMPHATIC FORMULA until you can afford the actual ANTI-VIRAL CLEANSE AND REGIMEN. Make sure you join Club Dherbs in the future to get those automatic savings on our products and services. Glad you got great benefits with the FULL BODY DETOX! Also, glad you enjoy the monthly newsletters and articles.

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    Q: I have bought most of your ebooks and recording and just want to tell you how enlightening all the material has been. While reading, the mental science book you talked about a poverty conscious mindset and how many leaders of spiritual movements such as Christianity and Nation of Islam used manipulation to keep their followers in bondage. One of the specific things you mentioned was that leaders would tell their followers they have to give their money to the institution even if it was money they had to use to pay the rent mortgage. My question is: how does that differ from a tithe and what do you think about authors, other metaphysical teachings of the principle of giving as a secret to prosperity. I know in Catherine Ponder's books she mentioned that 10 is the number of increase based on ancient teachings and that we should give systematically to demonstrate our faith in an abundance universe. I have also read many authors who say that same things. What is your take on it?

    A:

    I believe in giving but it must be from the heart. Many people don't give from the heart but from FEAR! Or, they feel compelled to give and this is not giving freely. It's quid pro quo giving meaning "I'm giving because I want something in return" i.e. recognition, to be or get in good graces with God, etc. I'm covering tithing in my new manual "The Money Manual." Tithing is just 10% of something, not necessarily money. Tithing can be 10% of your food, time, services, etc. Giving is okay but folks should not give to others without first giving to self for charity starts at home. Poor people should not be giving charity in the form of money for if God needs a dollar God is in worse shape than his poor followers. It is the organization asking for the money and doing so in the name of God. They collect money in the name of God and thus exploit people in the name of God.

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    Q: I was online searching for some natural treatments for hair growth in Black Men when I came across your article. I must say that I believe it was so on point that I decided not to look any further. I'm 44 years of age and started noticing my hair thinning when about 12 years ago. I was one of those that you wrote about in your article chasing a lifestyle that is no longer an interest to me. I did fall into some bad habits that were not good for my health off and on over the past 15 years or so more off than on. My body type I would describe as athletic. I'm tone, and strong when I exercise regularly. I'm about 150lbs @ 5'11". My diet is mostly vegetables but from time to time I feel I have to eat fish or chicken. Not necessarily prepared in the healthiest way I'm sure. I just got out of one of my "on" spells so to speak. Meaning the drinking of beer and cigarettes. I've been smoking and drinking beer now since September 2006 after not having done anything but live healthy for six years before that. As soon as my wife and I came back to the states and started working and runnign again these old destructive habits appeared again in my life. I only blame myself though. Right now my hair and skin suffer from the chemical poisoning from the habits that I just mentioned. I am prepared to take your advice about righteous living to heart and start fresh again. Is there a mild remedy that can work with me to stimulate the re-growth of my hair in the spots where it is balding in that classic balding pattern? I am generally very healthy when I doing right and even now rarely get sick. But my sickness manifest in stress and bad habits to num the pain of having to live this way when don't really want to. I quit the job that I've been working for the past 4 years for that reason and have been blessed to have some time not to grind everyday chasing after money. Now is a crucial time of healing for me, and I must take full advantage of the time. Moderation is in order for whatever you can suggest for me in the way of herbal remedies. I am sure that you can prescribe a simple overall regiment for my overall health based on what I have shared with you with an emphasis on the hair and skin. Again, thank you for writing the article. Call or write. The sooner the better.......Thank You!!

    A:

    I would say first detox with the FULL BODY DETOX and get your diet right CONSISTENTLY! Constantly clean your temple! This is key! Next, perform the TOTAL MALE CLEANSE. After this, do a daily regimen of HAIR SKIN NAILS FORMULA, ELECTRIC GREENS CELL FOOD, KHEMETIAN GOLD, and MSM SULFUR. Forgive yourself of past self-inflicted harm! Stop worrying about your hair loss. Start visualizing your hair growing back. If you can see it, you will achieve it! The mind is all and problems and remedies begin in the mind! BTW: we offer phone consultations if you're interested.

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    Q: Please reply to this (I will not buy from you unless you reply to my email; I want to check some things with you before I buy): 1- Please tell me if the following products in your website can be taken by pregnant women: folic acid, iron phosphate, bioflavonoid formula, iodine phosphate, multi vitamins and minerals, vitamin c formula, b-vitamin complex, iron phosphate tea? 2- I want to buy all the nutrients (vitamins, minerals, etc.) that I need for my baby (I'm 3 months pregnant). If I buy the multi vitamins and minerals, do I need to supplement any additional products that I mentioned above (esp. folic acid, vitamin c, iron, b-vitamin complex)? 3- I also want to buy Eklampein formula, prenatal laxative, prenatal formula, healthy pregnancy, and prenatal tea. Since I can't buy all the products that I mentioned in this email; I need your help to buy less. Because the ones that I will buy; I will buy enough to last me about 5/6 months (so I will still be buying so many from you even if I buy 3 or 4 different products). I don't have enough money; please work with me and tell me which ones I need for complete prenatal care and since I will be buying too many; please give me discount (so I can afford it and take good care of myself and my baby in the same time).

    A:

    Folic acid, iron phosphate, bioflavonoid formula, iodine phosphate, multi vitamins and minerals, vitamin c formula, b-vitamin complex, iron phosphate tea can all be taken by a pregnant woman. You could delete bioflavonoid and B-vitamin complex though and still get necessary nutrition for your pregnancy. And yes, Dherbs.Com will give you a nice discount on a large order. Now here's what I would personally suggest for a great pre-natal regimen: PRE-NATAL FORMULA ELECTRIC GREENS CELL FOOD VITAMIN C FORMULA IODINE PHOSPHATE FOLIC ACID IRON PHOSPHATE FORMULA PRE-NATAL TEA PRENATAL LAXATIVE (optional)

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    Q: What is the difference between your "Dynamic of Prosperity and Abundance" and the "Metaphysics of Money"? They sound pretty much the same. Are these downloads your version to the SECRET phenomenon that everyone's talking about?

    A:

    Both shows tap on money and how to attract it. These shows are my version of "The Secret's" Law of Attraction which is a bit more down to earth for the little man and woman. The Secret purposely left out one element that spoils the end result and also made people more susceptible to buying books surrounding that "one missing link" The Secret didn't expound on which was The Law of Action. Both shows are excellent and are different from one another.

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    Q: Hello I would like to have information about weight loss. I would like to know if there is a pill that makes an individual loss weight like only 10-15 pounds.... will the weight release (loss) work or should I purchase another type. I have a little bit of fat above and below my abdominal area. I am 41 years old. I will purchase the green tea too...what can you recommend I do not want to spend a lot of money.

    A:

    We would recommend you purchase the Weight Release Formula, Bowel Motion, which are under $50 total. To achieve the best results, we suggest you improve your diet while on the formulas.

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    Q: I wanted to get more information from concerning sovereignty - I already have my MOORISH ID Card. I also have questions about Capitis Diminutio Maxima. The IRS are playing cat and mouse games with me - acting as if they don't know their own documentation that allows me to receive certain deductions. And since they're playing dumb, they automatically assume that I'm dumb! Since I 'm sick and tired of the run around, I was to exercise my Capitus Diminutio Maxima card. I've given them several occasions to do right by me in the appeals process, but like I said, they want to play games. Please help!

    A:

    Please schedule a legal consultation (only $50) so that we may go more into details. We don't allocate much time here @ Ask the Herbalist which is really just for health questions. However, there is help for you, Beloved.

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    Q: Hello, I'm on day 3 of the FBC and I'm having a really hard time with sweets. It's even more trying because I work in a bakery which I cannot avoid because it is a family owned business and I, myself do a lot of the baking. What do you recommend to help seize my sweet craving besides fruit? Because it seems that I can eat fruit for substitution but after a while I still want to eat cake lol. Also, what brand alkaline water do you recommend? Is it best to drink the bottled water or make it? Thanking you in advance. D.Bolden

    A: After a few days, your cravings will subside. If you feel like you need additional help with sugar cravings you can also try the Sugar Control. There are raw food desserts available in health stores like Whole Foods, raw food restaurants or raw desserts you can make. It would be best to purchase the alkaline water. Essentia, Nestle, Voss and Neo Water are some of the popular brands of alkaline water. Sugar Control - http://www.dherbs.com/store/sugar-Formula-p-63.html

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    Q: Does the Prosperity-Abundance Inspirant really work? Will me prosperity in love and money?

    A:

    The spray only enhances what you emit (feel) about prosperity. It is not the cause of prosperity in your life. Your mind and vibration are the cause! Not a product!