Saving Money

Family finance tips

At Gerber Life we know the value of a hard-earned dollar. And when you're raising a family, it becomes even more important to stretch that dollar as far as it can go to help you save money. Our family finance tips can help you make smart decisions for spending your money as well as help you make use of opportunities to save it. Whether it's clipping coupons before grocery shopping or throwing a do-it-yourself (DIY) children's birthday party, our family finance tips can help you think outside the box so that you can save money.

  1. Everyday Saving Translates to “Paying Yourself First”

    Everyday Saving TipsEveryday saving on energy use means you are paying yourself first. In fact, decreased energy use is like having a savings plan for yourself. Along with helping our environment, every dollar you save goes into your pocket.

    Going Green is a Valuable Habit

    Committed environmentalists sometimes over-state their case about green living. However, if you’re living on a budget (who isn’t?), you’ll learn that making energy saving tips a habit will return dollars to you along with benefiting our environment.

    Conserving energy using simple steps will save you money in a variety of ways. The low cost of many everyday saving habits returns dollars to you over time. Here are some easy steps you can take daily.

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  2. Save Energy and Money this Spring with these Energy Saving Tips

    Energy Saving TipsTo save money in the household budget, it seems that our grandparents were right in many ways when they said, “Open the windows, turn on a fan, wear a light jacket if you’re chilly, and let your clothes air dry.” Their advice was good for the planet and their wallets, and it is practical advice for families today for the same reasons.

    Here are a few energy saving tips to help keep more hard-earned money in your wallet this spring instead of having it go out the window:

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  3. Everyday Conservation can Lower Monthly Payments

    Lower Monthly PaymentsYou may be happily surprised at the effects of your everyday conservation efforts, not to mention the great cost savings you can expect. And all this can be achieved without drastically changing your lifestyle.

    Little Things Mean a Lot

    You need not deprive yourself of important things to be environmentally friendly and save money, too. It’s the little things that count. Saving little bits of energy and resources will make a positive impact on your budget, however tight it may be.

    For example, in summer, raise your air conditioning thermostat to just 78 degrees to save energy—and money. It’s not necessary that you freeze yourself to feel cooler. Air conditioning systems, whether central or window units, first reduce humidity, which automatically makes you feel cooler. A couple of degrees warmer will become just as comfortable as the temperature you’ve been using.

  4. Make Saving Money Fun, Not a Hardship

    Money Saving TipsToo many people view saving money as a necessary hardship. However, saving money can be fun if you have the right attitude. Enthusiasm can help you overcome a multitude of financial difficulties. Adopt these two frames of mind to improve your money saving efforts.

    Who’s More Important Than—YOU?

    It’s alright to be a bit selfish. After every pay period, the first “bill” you pay should be a deposit to your savings account. Even if you can only afford $10 or $20 per pay period, pay yourself first before taking care of your other monthly obligations.

    This simple, habit-forming plan will generate a very healthy savings account over time. If you’re not familiar with the amazing effects of “compounding” (earning interest on interest), perform a little internet surfing. You’ll quickly understand how compounding can create large dollars that continue to increase forever.

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  5. Ever Had a Bad Valentine’s Day? Three Inexpensive Ways to Make Sure it Doesn’t Happen Again

    Inexpensive Ideas for Valentine’s Day

    A young woman woke up one Valentine’s Day and told her husband about a dream she’d just had. “I dreamed that you gave me a necklace for Valentine’s Day.” she said. “ What do you think it means?” “You’ll know tonight,” he said. That evening, the husband came home with a small package and gave it to his wife. Delighted, the woman opened it. Inside was a book entitled “The Meaning of Dreams.”

    If you’ve ever had a disappointing Valentine’s Day, try making sure it doesn’t happen again by taking to heart these three creative and inexpensive ideas:

    • Rent a movie

    Not just any movie, rent the first – or one of the first – movies you ever saw as a couple. Another romantic idea is to download a few episodes of a TV show you used to watch together when you were falling in love. Dim the lights, hold hands, and think about what life was like before the only movies you watched had a G rating and a talking animal.

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