Each day, from telemarketers to mail order catalogs and commercials we get read and hear these wonderful words such as clearance sales, zero interest payments and discount coupons. All geared to stop us from saving and makes us to spend on items that we really don’t need.

How can you spend wisely and have more savings. You should teach yourself to be a disciplined and intelligent buyer whereby you can accumulate savings instead of credit card debts.

1. You should ask yourself that 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 I need to work to pay for this?
4. Do I just want this or really need this?

These are some simple every day strategies that can help you in saving. When you buy on sale you save more so ask the store when the item will be on sale. Schedule your purchase of items during the time when the store has annual sales. This will generate you a saving of as much as 60% off the regular prices.

You should cut out discount coupons and use them which will give you as much as 20% savings. When there is a sale on staples that are consumed easily such as pasta, stockpile on such items. You will have more savings if you take the advantage of rebates and use the rebates given. You can use a frequency shopper card as this entitles you to rebates, freebies and discounts. Always prepare a shopping list before you buy or make duplicate purchases.

Remember the phrase “A penny saved is a penny earned” and follow this that will give you added savings.