How to Save More Money in 2011

Money-saving goals are resolutions for many people in 2011. Here are some ways you can do to achieve it:

Coupon System

Too often, my newspaper pile becomes a graveyard for coupons. Potential savings die an early death because of clutter. For instance, I have squandered store coupons sporting savings of $1 to $10 due to missed deadlines or misplaced coupons. For 2011, I've begun to store coupons in a side pocket of my purse, which is always with me. Wallets and glove-compartments in cars are also a great place to store coupons.

Unplug Chargers

Even when not used, cell phone chargers, coffee makers, micro-wave ovens and other appliances drain energy when plugged into wall sockets. Conserving cash and energy is my January goal, and I've been teaching my kids to unplug idle appliances. But this step requires organization and constant awareness. When we are running late, we leave the house in a whirlwind of anxiety and fail to take energy-saving steps. An earlier wake-up call will preserve energy and create less stress.

Time-Sensitive

Late fees and other financial penalties are the byproduct of disorganization. To avoid missed deadlines, I plan to raise my financial IQ with my smartphone and laptop. Both devices provide digital calendars that can be programmed with bill reminders and deadline alerts. There are also a variety of online services that offer e-mail notices about approaching deadlines. Online bill-paying programs also add organization and efficiency.

Chores

With better organization some household chores and personal tasks can become money-saving, do-it-yourself projects. For example, if you have the talent and the right tools, you can save money with haircuts, manicures, pedicures and other personal grooming chores. Car-washing, lawn mowing and house-painting duties can also represent frugal home projects. But calculate the cost of your time, and honestly evaluate your skills.