Save – or earn – a Holiday $ 1,000

It is not too early to get a head start holiday – holiday savings, that is. By moving now to cut costs or to earn extra money, you can save up to $ 1,000 or more within the next two months to pay for holiday gifts in cash instead of credit cards.

I usually skip several savings proposals (such as eating out less), and emphasizes the Some you may not consider cost-cutting initiatives. Actual savings and benefits of examples (especially depending on what you can achieve) the following will be different. But they said, is capable of producing more than two months extra $ 1,000. Be sure to share your money-saving tips on reader comments box below.

Way to save

• Adjust your withholding. The average tax refund this year is nearly $ 2,805. If you have a refund, stop paying Uncle Sam too much throughout the year, and keep the money for themselves (or as gifts for others). You simply change your withholding and employer’s human resources department by filing a new W-4. To find out how much you should be claiming an exemption, try our easy-to-use tax withholding calculator. These changes will go into affect your next paycheck. TWO Savings months = $ 467.50 (based on the average refund)

• Ditch premium cable package. When I canceled my expensive premium cable package, select a cheap, basic service, I began saving monthly $ 80– see more than $ 950 budget-friendly alternative to cable TV for free or low-cost programs and movies of the year source. (Note: I have been in basic cable television service, a discount score on my phone and Internet service.) TWO Savings months = $ 160

• Increase your auto insurance deductible. increased from $ 500 to your comprehensive and collision coverage deductibles of $ 1,000 or even $ 2,500, can be reduced by 12% to 18% premium. For example, mentionHigh from $ 500 to $ 1,000 deductible would mean $ 648 per year, saving an average family in northern California driver (competitive auto insurance market) two teens, according to InsWeb, a database of insurance website. TWO savings of months = $ 108

• Increase your home insurance deductible. I recently insurance company sent me a letter that I can improve my deductions from 1,000 $ 300 $ 2,000 $ shaved my annual premium. This is equivalent to $ 25 per month savings. TWO Savings months = $ 50 

• The elimination of bank charges. more and more of the cost of bank charges account holders – up to $ 30 per month – if they do not meet the deposit and the balance or usage requirements. Some charge $ 1 to $ 2 per month to send paper statements and up to $ 9 interact with the cashier. In order to avoid bank fees, consider USAA Federal Savings Bank, cafes Street, EverBank, Avery bank or tin An Kaili account. TWO savings months = $ 60    •

Falling gym memberships. gym membership fees, a monthly average of $ 30 to $ 70, according to PriceGrabber’s, a price comparison site. So, if you are not locked into a long-term contract, consider deleting this cost, and tried to free exercise of alternatives, such as running or walking outdoors, a couple of months. TWO saving months = $ 60 ($ 30 fee per month) •

Lay down your land line. If you pay a month home phone service (AT & T at the current rate unlimited long distance calls) $ 40, but mainly rely on your cell phone, to eliminate the monthly expense. savings two months = $ 80     •

Buy regular, noPremium gas

This will not achieve great savings, but, hey, every little bit counts. GA one gallon soline premium price of $ 3.85, the average (September 19 the week), while the conventional cost an average of $ 3.60 one gallons. If you twice a month to fill a 16-gallon automotive and general rather than a premium, you will save $ 8, two months of savings = $ 16 (twice a month to fill) of the total savings = $ 1,001.50

Way to earn •

Silver scrap sales.

My husband recently took some silver pieces, we never use the local dealer and get a $ 30 an ounce, we deduct more than $ 1,000.

EARNINGS = $ 240 8 Angsi piece

• Sell unwanted gold jewelry. As the price of about $ 1,700 per ounce of gold, sell unwanted gold jewelry also produces a shortcut to some of the cash. For example, if you have a $ 200 gold ring melt value (the actual value of the gold jewelry), expect about 70% of melt value of rewards – so $ 140. See how smart way to sell your gold tips to get a good deal.

Revenue = $ 140, for $ 200 and a melt value of jewelry.

• Sell unwanted gift cards. The average family has about $ 300 gift card unused gift cards, according to the plastic jungle, a site that allows you to buy, sell, exchange or donate in. With sites such as jungle and plastic gift cards Grandma, you can put these cards into cash. You will not get your full value of the card (preferably up to 92%).

earnings = $ 276 ($ 300 based card 92% return)

• Get paid your observations for a few hours of your time, you can get paid to participate in focus group face to face, for example, is run by Tibetan pit.

= earnings per focus group of up to 200 $

• Sell your stuff online. Kiplinger’s senior editor Jeffrey Kosnett and his wife $ 200 sales flatware, they no longer through the popular online auction site eBay to use. Kosnett wife, Deborah, said the key to selling your merchandise on the Web is similar studies have recently sold through the site and commodity price competitiveness.

earnings = $ 200

Total revenue = $ 1,056

For more ideas, see 11 kinds way to get extra cash and 11 more ways to get extra cash.