The year 2011 has not been very kind to a lot of individuals and families. Did you spend within your limits? Here are some tips to save some money come 2012:
The rising costs of fuel translates to more spending when it comes to using our cars on a regular basis and a bigger chunk of our budget goes to motoring expenses. The cost for commuting thru public transport has also risen. It will be more practical to join a car-sharing program and also opt for a bike if your destination is just a few blocks away.
The prices of food went up by as much as 5% this year. Before hitting the supermarket, plan what you need to buy so you will not be easily distracted with special offers. You can also ask the shopkeepers when they will be having price cuts or if you can get discounts for the regular items you are buying.
If you are hurting because of the exchange rates, make most your money by looking for destinations where you can spend less for more. You will be able to find interesting cities, fascinating cultures, great weather for better prices.
You might be tied to a contract for your mobile phone and internet but if you are not, you can make use of comparison websites and see which deals will give you what you need for a monthly fee which will not hurt your pocket.