1.1. Attention getter: There is no person that has not wondered why some people are good at saving money, while others are not. Have you ever imagined that the process of saving money needs no less commitment and hard work than the process of earning it?
1.2. Purpose statement: Saving money is within an individual’s control over spending less without reducing quality of life.
1.3. Preview of main points: The philosophy of spending less includes, first, establishing a personal budget, second, shopping wisely, and, third, carrying no excessive debt.
I Main Point: The fastest way to save money is to establish a personal budget, calculating incomings and outgoings on a regular basis. When you know how much money comes in, you can decide on how much money you can afford to go out without damaging your quality life expectations. Wise keepers of their own money would prefer renting a music CD to buying it. They would use the public library, curbing their temptations to buy books that are not likely to be opened in the near future. There are many ways of establishing a personal budget: first, you should become a long term money saver; second, you should avoid spending money on impulse; third, you should establish priorities. Wise buying should become a major philosophy in your pursuit to saving money.
II Development of Main Point II: Shopping wisely begins with an accurate grocery list. It is to your disadvantage to rush to any store to do your grocery shopping. Instead, it would be wise to determine which of the items you need are currently on sale. You could sort through coupons from the newspaper and take advantage of online coupons. You should then categorize your available coupons as household items, beverages, canned goods, and the like. After doing your shopping, look at your receipt and take note of the items that helped save you money (How to shop wisely using coupons, 2010). There are some strategies for shopping wisely. First, it would be...