By Allan Wilson

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Afterwards, you have borrowed money that you could have done without and now you are locked into a five-year repayment contract. If you want a new car or boat, it is better to save. If you do need a new car, avoid brand new cars, which lose massive amounts of depreciation the minute you drive off the lot. Instead, look for something a year or two old where you will still have a nice car but much more in line with an appropriate cost. 43 101 Ways To Stop The Money Leak 79. Repair versus Replace Instead of spending $1,000 on that beautiful new couch, you might consider one of two options.

63. Heating and Cooling Make sure vents in rooms not being used or the garage are closed. Many people tend to try to heat and cool the entire home. Instead, take the time to close off areas that you are not using. You will save substantial money on your utilities. 37 101 Ways To Stop The Money Leak 64. Shop Online Many online businesses offer great bargains and in some cases, free shipping. Since the Internet is such a competitive market, you can usually find fantastic deals. In addition, many of your favorite businesses where you shop in person have websites that offer even greater savings.

Off-Season The next time you plan a vacation, consider off-season. Generally, the prices for airfare, hotel, and cars are substantially lower than traveling during peak time. If you look at all your options, you will find that in many cases, you can come close to the date you would like to travel. As an example, flying to Hawaii through June 8 is considered off-season while June 9 is peak. One day makes a huge difference in price. 30 101 Ways To Stop The Money Leak 40. Buy versus Rent or Lease When looking at homes or automobiles check the rent and lease options.

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