Accounting Degree.com

By Raine Parker

With rough economic times, it seems that everyone is looking for a way to save money. The following list offers 100 extreme ways to save yourself some serious money without having to be an accounting major. Some of these suggestions aren’t too out there, but others may require that you have a strong constitution–or a very understanding significant other.

Personal Care

From washing your clothes in the shower to darning your socks, these frugal tips will save you some cash.

1. Don’t shower every day. Shower every two days to save money on water and soap usage.
2. Reduce shampooing. Many experts believe that shampooing more than two or three times a week is not good for your hair–plus it will really save you on shampoo.
3. No more toilet paper. Some frugal people stop spending money on toilet paper and use newspaper or cloth towels instead.
4. Ration toilet paper. If you really can’t give up the toilet paper habit, then ration it out so that you are using less.
5. Take a navy shower. With a navy shower, you only turn on water to get your body wet and again to rinse the soap off. You’ll save a ton of money on both water and the energy spent heating that water.
6. Sew your own clothes. Sewing your own clothes can reduce the amount you spend on clothing dramatically. If you really want to be frugal on material, purchase clothing from a thrift store that is several sizes too big for you and reuse the cloth for your own project.
7. Knit your own woolens. Knit your own sweaters, hats, scarves, and gloves that will last for years for the price of the yarn. If you live somewhere where you can have livestock or if you have access to wool, you can learn to spin your own yarn, then knit it.
8. Darn your socks. If you get a hole in your socks, don’t throw them away, darn them.
9. Wash your clothes in the shower. Take your clothes into the shower with you to wash them while you wash yourself.
10. Make your own soap. Never have to spend too much money on soap or shampoo again when you learn to make your own affordably.
11. Make your own hair conditioner. Using common items around your home, you can make your own hair conditioner without spending any additional money.
12. Stop wearing make-up. While this is probably just for the women, not wearing make-up will save plenty of money you would have spent on cosmetics and is probably better for your skin.
13. Make your own toothpaste. Salt, baking soda, and a few drops of peppermint oil is all you need to make your own toothpaste.
14. Stop shaving. Never have to buy another razor or waste expensive water when you eliminate shaving.
15. Cut your own hair. Especially if you are a guy and can get away with a simple buzz cut, cutting your own hair is an excellent way to save money.
16. Ladies, use a menstrual cup. Don’t spend money every month on feminine hygiene products when you can reuse a menstrual cup for years.
17. Mayonnaise moisturizer. The egg and oil in mayonnaise moisturize the skin and the vinegar balances the pH level, making it a fine and inexpensive skin moisturizer.

Recycling

These extreme recycling ideas range from the practical to the outrageous.

18. Recycle pet hair. If you have a pet that sheds, collect that fur, and knit scarves, blankets, and hats from it.
19. One man’s trash…. The old saying holds true that what one person throws away is treasure to someone else. On trash day or on regularly scheduled trash pick-ups for bulky items, you can find discarded furniture, appliances, and more that often just require a little TLC to be completely usable.
20. Lost and found. Lost and found items frequently go unclaimed. Instead of buying hats, coats, umbrellas, and other items often left behind, you can help yourself to those from the lost and found bin (after it’s been cleared as truly lost, that is).
21. Extreme recycling. Make it a goal to reuse everything again. For example, instead of throwing away cereal box liners, reuse them as trash receptacles in place of trash bags.
22. Shop at thrift stores. Buying clothes, furniture and appliances from thrift stores can save you a bundle of money compared to how much you would spend to purchase the same items brand new.
23. Craigslist. If you are looking for a specific item and can’t find it at a thrift store, check out Craigslist. People frequently sell their unwanted items there for awesome prices.
24. Have a swap meet. Get together with friends and bring a bunch of stuff you want to get rid of–then get your trade on.

House and Property

Learn how to save money on where you live with ideas such as using geothermal heating or taking in boarders.

25. Build your own house. Purchase inexpensive land and build your own house for a fraction of what it would cost to purchase a house.
26. Downsize your home. If you aren’t ready for building your own house, consider moving to a smaller house and eliminating some or all of your mortgage debt.
27. Live in portable housing. For a truly extreme way to save money, live in portable housing such as an RV or a sturdy tent that you can take with you anywhere and don’t require land ownership.
28. Fix it yourself. Learn how to repair a broken appliance or patch the roof yourself. Not only will you save money, you will also learn an important skill that can be bartered for something you may want or need.
29. Use alternate energy sources. Use solar power, geothermal heating, or other alternative energy sources to power your home.
30. Collect rainwater. Collecting rainwater to use for your yard, garden, and any other use around the house will reduce your water bill.
31. Sell luxury items. Some things are just a luxury to own and actually cost more money just by having them. A boat, two or more cars, jet skis, a motorcycle, and other luxury items cost gas, insurance, maintenance, and storage to own.
32. Take in boarders. People who have extra rooms can take in boarders to earn money from rent.
33. Volunteer at a kibbutz. If you want to eliminate costs for room and board altogether, you can volunteer your time at a kibbutz.
34. Live in your car. There have been several stories over the past few years of people who have chosen to live out of their cars while leading a fairly normal existence.

Around the House

Get tons of great daily living tips that will save you serious cash.

35. Water down your products. Shampoo, cleaning supplies, and more will last much longer if you water them down a bit.
36. Use natural cleaning products. Most things in your home can be thoroughly cleaned with baking soda, vinegar, and lemon juice. Compare the price of these items with what you are paying for each individual cleaning product.
37. Use selective flushing. Many people choose not to flush the toilet after each use, limiting flushes to every second or third pee and when solids are present.
38. Wash clothes in cold water. Clothes will still get clean, and you can save around $100 a year by not using the energy required to heat the water for warm and hot washes.
39. Line-dry clothes. There’s no reason to spend money on a clothes dryer or the energy it takes to run one when you you can dry your clothes outside for the price of a clothes line strung between two trees and a bag of clothes pins.
40. Cut paper napkins in half. If you use paper napkins or towels, cut them in half and use twice as many for the price of one package.
41. Get rid of big stuff. Sell your unused furniture, appliances you don’t use, or any of the other big stuff around your house that is just taking up space.
42. Learn to live without heat or air conditioning. Less than 100 years ago people lived just fine without central heat or air conditioning–and many in countries around the world still do. Imagine how much you would save if you eliminated these two expenses.
43. Turn down your hot water heater. Most people have the thermostat on their hot water heater set too high. Set it at 120 degrees to save.
44. Put a brick or jar in the toilet. Putting a brick or large jar or two in the back of the toilet reduces the amount of water used during each flush, saving both water and money.
45. Skip the silverware. Fast food restaurants frequently give out plasticware. Hang on to this and reuse it instead of purchasing silverware.
46. Make your own (safe) pesticide. Boric acid is relatively safe for humans, but deadly for ants and roaches. Make your own pesticide and save plenty on extermination services.
47. Put high-energy electronics on a timer. Plug TVs, DVD players, and other high-energy usage appliances in to a timer so that they are not using energy at night and are available again during the day.
48. Recycle your bath water. If you opt for a bath rather than a shower, or if you plug the drain on your shower to catch the used water, you can reuse that water for everything from watering plants to mopping the floors.
49. Use only one light bulb. If your house is small enough (and your fingers aren’t too tender), switch the light bulb from socket to socket as it’s needed in each room. If it’s a compact fluorescent bulb, it can last for years.

Food

From taking home leftovers from the office party to adopting a freegan lifestyle, learn how to save a bundle when it comes to food.

50. Live off the land. Grow your own vegetables and herbs and raise your own livestock for consumption to cut your grocery bill considerably.
51. Use a diaper in your plants. If you are growing vegetables in containers, put some of the absorbent material from a baby diaper at the bottom of the container–below the soil. When you water the plant, the excess water will be absorbed into the material, then when the soil dries out, the water will soak up into the soil, eliminating the need for frequent waterings.
52. Cook from scratch. Learning to cook your own food from scratch can save you a bundle.
53. Hunt for your meat. Rather than rely on purchasing meat, for the price of a hunting license and a gun, you can find your own meat.
54. Pricebook. Keep a record of the price of all the food you purchase to ensure you are always getting a good deal or not over-paying.
55. Take home leftovers. Volunteer to clean up after the office party or fundraising events at school. All that leftover food that usually gets thrown away can be yours for the taking.
56. Free groceries. Take advantage of your store’s buy-one-get-one-free deals or check out websites and blogs that are devoted to finding these types of saving opportunities.
57. Restaurant freebies. Sign up on many restaurants’ mailing list to get free food. Don’t forget to include your birthday to get free meals then, too.
58. Save restaurant packets. Put all that salt, pepper, hot sauce, and other condiments you keep getting when you purchase fast food in your pantry to use later.
59. Shop at farmers’ markets. Especially if you go at the end of the day, you can usually get bargains on the fresh food direct from the farm.
60. Cut out alcohol. Alcohol costs plenty of money. Stop drinking to really save, or learn to make your own.
61. Ignore expiration dates. While this is not recommended for safety reasons, there are plenty of people who ignore the expiration date on food so it will last longer.
62. Become a freegan. Freegans forage food tossed out by grocery stores and restaurants. If you can get beyond the concept of dumpster diving, this is an awesome way to get free food.
63. Extreme frugality meal plan. If you want to learn how to eat very cheaply, then take a look at this meal plan.

Health and Medicine

Everyone has concerns about the cost of health care, so here are some extreme ways to help you cut back.

64. Participate in clinical trials. If you have a medical condition for which you want treatment, see if there is a medical trial available. You can get free treatment in exchange for participating in experimental treatments.
65. Learn about alternative healing methods. Many herbs and items found around the house can be used for both promoting wellness and healing.
66. Use students in training. Whether you want a hair cut, need to see a dentist, or want a relaxing massage, all of these services and more can be obtained from students-in-training at a fraction of the price you would pay to see more established professionals.
67. Find practitioners who will barter. For emergencies or illnesses that require professional treatment, become acquainted with practitioners who are willing to barter for goods or services.
68. Become proactive. Eating naturally and organic, staying physically active, and knowing your body are all excellent ways to stay healthy and avoid costly medical bills.
69. Learn first aid. Treating minor illness and injuries yourself will reduce unnecessary medical care that can be done at home.

Entertainment

Entertainment can eat up a budget in no time, so take these suggestions to reduce your cash outflow without curbing your entertainment.

70. Entertain at home. Instead of going out to a bar or restaurant, have your friends come to your place for an inexpensive, yet fun night in.
71. Free TV and movies. With sites like Hulu.com and even the major networks themselves offering free downloads of their shows, there’s no reason to pay for cable or to see a movie.
72. Free music. When you sign up for a free account with places like Pandora or Last.fm, you will get free music customized to your taste.
73. Free concerts. Most cities offer free concerts. Check local listings and see what’s available near you.
74. Go for dates at lunch. Restaurants typically offer reduced prices for lunch specials, so take your next date out for lunch.
75. Surf the Internet outside your home. Don’t pay for Internet connection when you can surf at libraries and free Wi-Fi spots.
76. Share Internet. If you really must have Internet at home and live close by neighbors, share your Internet and reduce the cost.
77. Find museum days. Most museums offer days or partial days where admission is free. Do a little research and get your culture for free.
78. Free popcorn. If you do pay the outrageous price of admission to a movie theater, don’t spend anything for popcorn, just scavenge what is left over from the prior movie-goers who left theirs behind.
79. Exchange cards in the store. Instead of spending $5 or more on birthday or anniversary cards, take your sweetie to the store, choose a card for each other, share them, then replace them on the shelf and leave.

Transportation

From getting rid of your car to becoming a bike commuter, find out how to save money on your transportation expenses.

80. Conserve gas. There are some pretty extreme ways to conserve gas, such as not driving every day, using alternative fuels in your car, and even turning off your car when coasting down hill. (This last one isn’t very safe, by the way.)
81. Sell your car. This definitely feels extreme for some, but selling your car will save you a ton of money. With so many other forms of transportation available, why opt for the most expensive one?
82. Walk. Walk or ride your bike when your destination is only one or two miles away.
83. Become a bike commuter. Biking to work will save you a ton of money and has awesome health benefits too.
84. Public transportation. Take public transportation any time you can. A monthly pass for the bus or light rail is probably cheaper than gas, maintenance, and parking expenses.
85. Move to be closer to work or school. Make sure you live close enough to walk or bike to work or school so you don’t have to own a car.
86. Car share. Join a car share program for those times when you really need to drive a car, but without the expense of car ownership.
87. Drive a scooter. Scooters are relatively inexpensive and get awesome gas mileage, often around 100 mpg.

Other Extreme Ways to Save Money

These suggestions range from literally freezing your credit cards in ice to adjusting your bedtime to match the sun rise and set to some rather unusual pet tricks that can all save you plenty of money.

88. Voluntary simplicity. This movement has gained momentum recently with participants voluntarily simplifying their lives in a number of ways with benefits on the wallet as well as the Earth.
89. Stop buying. It is extreme, but see if you can stop making purchases all together for 30 days. Not only will you save money, but you will also begin to see ways to do things without spending money for the long term.
90. Freeze your credit cards. Learn from this blogger’s aunt how to literally freeze your credit cards so that you won’t have access to them just any old time.
91. Make gifts. When birthdays and holidays roll around, make gifts to give to friends and family.
92. Free samples. Sign up for free samples and get everything from cosmetics to household items. Set up an email address just for getting email samples so your regular email isn’t inundated.
93. Live like a farmer. Go to bed when the sun sets and rise when the sun rises so that you use less electricity.
94. Enter contests. Some people almost make a career out of entering contests. Your winnings can really add up if you stick with it.
95. Look for spare change. Every time you pass a vending machine, newspaper dispenser, or anything else that gives back change, check the change-return slot and on the ground around the machine for loose change.
96. Hide cash. Hide $5 or $10 bills around the house in odd places. You won’t be tempted to spend what you don’t see.
97. Negotiate everything. No matter what you are buying, try to negotiate for a lower price.
98. Sell pigeon droppings. A church in Hartford, Connecticut, sold pigeon droppings they collected from their church and made $30,000.
99. Have your dog earn his own money for food. Send Rover out to make money himself like this dog does.
100. Toilet train your cat. Quit spending money on cat litter when you train your pet to use the toilet.

Pledge to revamp your finances this year instead of wasting money on a gym membership you’ll never use or pretending to plan out a half-hearted project to clean out your attic. If you want to get out of debt, build wealth and set up proactive savings accounts, you’re going to need to spend some time on your financial education. A good place to start is the Internet, and we’ve compiled a list of 100 of the most inspiring and informative blog posts that can teach you all about budgeting, saving, investing, and managing your money.

Organization

These posts introduce you to different ways you can organize your money so that it’s easier to budget, invest and save.

1. Personal Financial Planning for the Next Year: 10 Best Money Moves: Mr. Credit Card shares 10 easy ways to cut costs at the first of the year.
2. My 4 Favorite Pieces of Financial Advice E-V-E-R: The Budgets are Sexy blogger challenges readers to pump up their 401(k)s, track spending for three months, create an emergency fund, and pay off all bad debt.
3. Reactive vs. Proactive Finances: This guest post on fivecentnickel.com outlines the difference between short-term financial reactions and long-term proactive decisions.
4. Where’s Your Financial Comfort Level?: Everyone’s financial comfort level — including how much they keep in their checking account — differs. Read this post for tips on evaluating yours.
5. Simple Quick for Taking Stock of Your Financial Health: This post points to a PF quiz that’s good to take as you plan out your financial goals and evaluate debt, income and your budgets for the new year.
6. New Year’s Financial Resolutions: Resolve to Take Baby Steps: This post will help you organize your PF New Year’s resolutions slowly but surely.
7. Watch Your Progress — But Make it Fun: Organizing your finances always seems like a good idea but can get overwhelming — or boring — pretty fast. This post should inspire you to stick with it.
8. The Best Way to Avoid the Worst Financial Problems: This post shares advice for preserving the cost structure of your lifestyle.
9. Five Things To Focus On In Your 20s: This guide isn’t just for people in their 20s: it’s a helpful post for anyone who’s new to investing and saving.
10. Questions to Ask Your Financial Planner: Before hiring a financial planner this year, ask him or her these 10 questions to make sure the deal is legitimate and mutually beneficial.

Smart Budgeting and Money Management

Below, you’ll find tips to organize and manage your budget for the new year, including exploring ways to trim your budget and enjoy life on less.

11. The Financial Snapshot: J. Money of Budgets are Sexy writes for fivecentnickel.com in this post, sharing a personal snapshot outlining debt, expenses and net worth.
12. Strategies to Curb Lifestyle Inflation: This post will help you budget for your next raise.
13. Plan Ahead Every Time You Spend: Before making any large purchases, plan ahead so that you can get the best deal and pay in cash if possible.
14. Is Your Budget Doing Its Job?: Craig Ford writes a guide to setting up a customized budget that accurately reflects your priorities and your PF habits.
15. Automating Your Finances is an Expensive Mistake: In this devil’s advocate post from Bargaineering, you’ll find out why automating your finances isn’t always a good strategy.
16. The Basic Law of Frugality: This post tries to outline the difference between frugal living and waste as it helps you figure out what to do with your money.
17. Take Care of Your Things: Pledge to take better care of your belongings and home this year to cut back on replacing or repairing them.
18. 42 Ways to Radically Simplify Your Financial Life: Tips offered here include consolidate accounts, use cash, budget using last month’s income, and stop thinking monthly.
19. Focus on Needs, Not Products: You should be budgeting for expenses to satisfy your needs, not your addiction to certain products.
20. Controlling the Urge to Splurge: You may think that you deserve it, but splurging will do damage your long-term financial goals.
21. Results of a Week Without Spending: This savings experiment allowed for groceries and budgeted expenses, but nothing else.
22. It’s Been 35 Days Since I Last Spent Any Money on Junk: Let this post inspire you to save your money for things you actually need.
23. 15 Surprising Places You Can Trim Your Budget: From bar tabs to electricity to pets to groceries, read explanations for how to trim your budget.

Economy

No one knows for sure what the next year will bring in terms of employment, the national debt, tax increases or new industry, but these posts try to help you prepare for whatever comes your way.

24. U.S. Unemployment Rates Map and the History of the Recession: These maps track the U.S. recession from September 2007-June 2009.
25. Newly Frugal Behavior is Permanent, Say Some Consumers: This post points to a Reuters article that reported U.S. consumers are spending less not just in the short-term, but in the long-term too.
26. Are You Part of the Gig Economy? If Not, You Might Want to Start Thinking About it Now: This post analyzes how freelancers are making up a powerful part of the economy.
27. Economic Growth is Up: Now What?: Use a chart graphing post World War II recessions to estimate what’s next for our current economy.

Credit Cards and Debt

Learn how to pick a credit card and keep yourself out of debt here.

28. Credit Card Basics: How to Choose a Credit Card: This post was written for an "essential credit card skills" series and will help you choose the best credit card for your spending and saving habits.
29. Get a Grip On Your Debt: How to Obtain a Clear, Concise Financial Snapshot: Learn how to chart your net worth, including assets and liabilities.
30. Debt Tsunami: The Ultimate Method to Pay Off Debt: Consider how your emotions affect paying off debt and how the debt tsunami approach is most effective.
31. Getting Out of Debt: Make That New Year’s Resolution Work: Consumerism Commentary encourages readers to replace bad habits and focus on financial freedom for the new year.
32. Looking Deeper Into the New Credit Card Legislation: This post from late December 2009 examines the new Credit Card Act legislation, which will go into effect February 2010.
33. Are Credit Cards Weapons of Mass Destruction: The Financial Samurai examines the explosive threats of the credit cards in his wallet.
34. How to Botch Up, Then Peddle Back to Good Credit: This quick fix solution will also help you in the long term.
35. 10 Tips to Help You Reduce Your Credit Card Debt: Tips here include figuring out which credit card you should pay off first.
36. How I paid off $15,000 in 9 months by selling my "stuff" on eBay: You may not be able to sell $15,000 worth of your belongings, but this post can inspire you to downsize.
37. Debt Consolidation Calculator: See How to Erase Debt Faster: If this is the year you pledge to get out of debt, read this post to find out how much you have to pay monthly.
38. Relying Too Much on "Future You": This post should make you realize that your future self can’t be responsible for all the money you’re trying to spend now.

General Savings

Get used to the idea of saving little by little by reading these posts.

39. How Fast Can You Adjust?: This post takes a look at emergency funds and challenges you to come up with a solution to sudden unemployment.
40. What Would You Do With 3 Financial Do-Overs?: All of this blogger’s dream do-overs center around savings.
41. 5 Easy Ways to Save in 2010: By saving paper, adjusting the thermostat and using coupons, you’ll be able to save all year.
42. How to Save Money Without Thinking: Learn how to automate savings in this post.
43. Smart Indulgences: How to Splurge Without Consequence: Smarty Pig teaches you how to splurge without paying extra interest or suffering from buyer’s remorse.
44. Reaching Credit Card Nirvana: Start in hell and then work your way up to credit card nirvana when you follow this infographic.
45. Can Saving Sink Us?: During the recession, U.S. consumers started spending less, but in order to keep the economy afloat, they should just alter the way they make bigger purchases.
46. Your top tips on long-term savings motivation: FruGal readers share their best tips for setting savings goals.
47. 25 Ways I Save Money: Million Dollar Journey’s FrugalTrader shares 25 easy ways to save money in the short- and long-term.
48. How to Save BIG: Learn how to negotiate recurring expenses in order to save big.

Specific Savings

When it comes to retirement, your children’s college education or a new car, here are posts that share tips for specific savings accounts and plans.

49. Bank Accounts: When More is More: This blogger has nearly 20 bank accounts used to store savings for medium-sized expenses like car repair and vacations, and he doesn’t waste money on fees.
50. 10 Reasons to Get Off Your Butt and Start a Roth IRA: You’ll pay less in taxes and prepare for retirement, just to start.
51. Retiring Early – Part 1 (The Expenses): Learn how to budget for your retirement by reading this blog.
52. Common Questions About 529 Plans: If you want to save for college with a 529 plan, read this post.
53. Retiring Early – Part 2 (The Income): This post should help you figure out to fund your retirement.
54. Traditional IRA and Roth IRA Contribution Limits for 2010: Here you’ll learn about the IRS-imposed contribution limits for 2010.
55. How I Retired Early: This guest post is written by someone who vowed to start saving seriously at a young age and was able to retire early.
56. Is Your Emergency Fund Big Enough?: This post poses several questions you should ask yourself when evaluating your emergency fund.

Investing and Stocks

From Roth IRAs to the stock market, learn how to invest your money smarter this year.

57. Best Online Stock Brokers for Cheap Stock Trades: The Digerati Life reviews the best online stock brokers that won’t drain your savings.
58. 401(k) vs. IRA: Which is Better for Your Extra Money?: If you’re not sure which savings and investing account you should focus on, read this post.
59. Don’t Over-Think Your Investments: This post will help you take a step back from the overwhelming investment options.
60. An Argument for 401(k) Minimizing: This post addresses a less popular strategy for making bank off your 401(k).
61. Where Dividend Stocks Fit in Your Portfolio: This post explains dividends and why some people invest in them.
62. Best Ways to Invest Small Amounts of Money: Don’t think you have to be wealthy to invest: this post shows you how to make a profit off small amounts of savings.
63. Keep Investing Simple: Taxable vs. Tax-Advantaged Investing: Know the difference between these two types of investing.
64. How to Buy and Sell Shares on the Stock Market: This simple guide introduces the basics of buying and selling on the stock market.
65. I Learned How to Invest by Learning How to Save: This blogger shares "the secret to buying stocks" here.
66. What to Do With All Your Extra Money: This post outlines the different ways to save and invest.

Taxes

Get valuable tax information for 2010 in these posts.

67. What is the Earned Income Tax Credit?: This post outlines the earned income tax credit for 2009, that you may be able to use when you file in 2010.
68. 8 Tax Strategies to Consider Before 2010: You can follow these tax tips all year, any year.
69. 2010 IRS Tax Brackets: Find out which estimated tax bracket you’re in based on income here.
70. The Most Tax Friendly Cities in the United States: Anchorage, Cheyenne, Jacksonville, Las Vegas, and Honolulu are in the top 5 of 10 cities outlined here.

Assets and Wealth

You’ll discover how to build wealth and manage your assets in these posts.

71. Buy Your Home the Right Way: Don’t buy a house because you think it’s the right thing to do: make sure you’re ready to settle down, meet with a trusted realtor, and buy one you can actually afford.
72. Not All Cheap Houses are True Bargain Homes: If you plan to buy a cheap house and flip it for a profit, read this post first.
73. 5 Rock Solid Tips for Building Wealth: Own your own home and pay off high interest debt are two tips offered here.
74. Top 10 Wealth Building Ways of Ordinary People: This post examines wealth building habits of real estate investors, stock market traders, Internet gurus, startup founders, and more.
75. The Road to Wealth is Paved with Goals: Read this story about goal setting and ambition, and their relation to wealth.
76. 12 Tips to Build Wealth for Early Retirement: In this article, you’ll learn steps to help you retire comfortably.
77. 7 Step Goal Setting System to Build Wealth: Here you’ll learn how to set goals to put you on the right track to building wealth.
78. Ten Percent Rule to Build Wealth: This post discusses the 10% rule and why it’s important to keep progressing even when you think you’re almost done.
79. Tips on asset management for individuals: Find out why it’s vital for you to keep such a close eye on all your assets.
80. Why Married People are Richer: This post examines why married people are able to accumulate more wealth.

Salary and Income

Manage your income, negotiate your salary and explore new forms of income after reading these posts.

81. Spend Less Than You Earn: This philosophy helps you eliminate debt and start saving.
82. 7 Ways to Find Hidden Cash: From unclaimed property to expired savings bonds to frequent flier miles, you’ll be surprised at all the places you can find hidden money.
83. Top payday money-saving tips: This post can help you make responsible decisions when it comes to taking savings from your paycheck.
84. Get More Money Without a Second Job: Get creative with mortgage payments, utilities, rent and insurance to pad your income.
85. Goal: Increase Income Per Hour of Work: Learn how to increase your hourly wage and decrease the time it takes you do complete your work.
86. Top 10 Tips to Boost Your Salary: A Recruiter’s Blog shares 10 tips — including modernize your skills and become an indispensable expert — for negotiating a raise.
87. Multiple Streams of Income – Truth Revealed: Learn all about planning for more than one stream of income here.
88. Passive vs. Active Income: Are You Working for the Wrong Income?: Learn the difference between passive and active income here.
89. 5 Stages of Financial Growth: This post tracks the 5 stages of financial growth, including streamlining your income and becoming your own boss.
90. 8 Tips to Negotiate a Higher Starting Salary: This post encourages you to do your own research and evaluate your professional value when negotiating a job offer.

Finance Education

Get finance book reviews and other tips from these posts.

91. I Saved $2.1 Million on Lunch: A Sit Down with Warren Buffett and Bill Gates: Get inspirational quotes from an interview with Warren Buffett and Bill Gates here.
92. Building a Personal Finance Library: 25 of the Best Books About Money: This list of books points to literature about frugal living, investing, and more.
93. Lessons Learned from Diet Books: How to Think Like a Rich Person: This clever post uses characteristics of people who are afraid to diet as an example of traits of people who don’t like to save.
94. The Book of Virtues: Recession Edition: FruGal examines financial and personal virtues for the new recession, like "what doesn’t kill us makes us stronger."
95. Five Foolproof Financial Strategies That Will Ensure You a Better 2010: Here you’ll get tips for holding onto your cash in 2010.
96. Book Reivew: Beyond Paycheck to Paycheck � A Conversation About Income, Wealth, and the Steps in Between: This book may help you become a better financial planner for yourself.
97. Money Advice from Benjamin Franklin’s Way to Wealth: Here are 39 principles that Benjamin Franklin recommended for building wealth over time.
98. Financial Planning: Where to Get Financial Advice: This post will direct you to authoritative resources for organizing your finances and getting top quality advice.
99. 26 Personal Finance Books – Ranked From Best to Worst: This post from 2007 ranks some of the best finance books for individuals.
100. Tips for Increasing Your Financial Literacy: Here you’ll read tips like "learn about one topic at a time" and "read financial news" that will turn you into a capable PF manager.