10 Small Changes Can Make You a Multi-Millionaire

Saving for your retirement, your children's education or just improving your standard of living can be impossible unless you know what to do. Small changes in your spending can achieve $1-2,000,000 over your lifetime.

10 Small Changes in your Spending Habits: 

1. Save your change - this can be as much as $50 a month.
2. Stop buying soda, coffee, and junk food when out - $50-100 per month.
3. Take your lunch to work - $250-350 per month.
4. Cancel your cable TV - $50-150 per month.
5. Use coupons at the supermarket - $50 or more per month.
6. Shop at discount stores for clothes - $50-100 per month
7. Use the Internet to shop significant purchases - savings up to 40-50%.
8. Increase insurance deductibles - $200 per year.
9. Lower thermostat in winter and raise it in summer - $25-100 per month.
10. Pay bills online/automatic bill pay - $15-20 per month postage.

You may look at these suggestions and say, no way can I change or live without it! Your next step is to find something else that yields the same or more savings. For example, I cannot give up cable, so it is part of my entertainment. I use group discount movie tickets to achieve similar savings and more selective how often we go to the movies. Remember the goal is saving $750.00 or more a month, the specifics are up to you.

By conservatively investing the approximately $750 savings monthly in 30 years it could grow to $2,000,000.