At any time in history, no matter what the current state of the economy, no matter what the current trends, no matter what the unemployment rate is or where interest rates lurk, some money-saving ideas stay true.

Some of you may have heard of these ideas before, others may be entirely new to you. But whether you are familiar with these super secrets or not, it will be well worth your while to put them into effect in your own life. The magic they will work on your financial life is guaranteed. I urge you to put them to work - any one of these could change your life! Big changes come from small steps. One plus one does equal two, so if you add one from eleven different places, you will see big results.

This is a four part series giving you advice on saving your hard-earned money in a variety of down-to-earth ways. Nothing here is anything that anyone can't do on a daily basis.

Amazing Money Tip #4

Ben Franklin said it long ago: "A penny saved is a penny earned." Yes, it's still true, and still one of the most powerful money-making tips in all history.

Implied within Franklin's famous statement is the difficulty of saving. It's tough to save and easy to spend! You know that! That's why every penny saved truly is earned - because it takes so much effort to hold on to that cash! But if you can do it, it will work magic in your life. Having a savings account will de-stress your life. Imagine being ahead of your bills, rather than behind. When you are ahead of your bills, you entire life comes under your control. You sleep better at night. Your mind is freer to come up with new ways to make more money and save more. Saving is contagious - once you let it get started!

Here are some tips to help you save:

1. Don't settle for interest checking. Have a separate savings account that can't be as easily accessed as a checking account.

2. Keep your savings in another bank - one that's off your regular route, or perhaps even in another town. That way you won't be tempted to dip into it every time you visit the bank to make a checking deposit.

3. Buy short-term savings bonds, which have 6-month to one- year maturity dates. That way you will get a higher rate, while at the same time keeping your money close in case of real emergencies.

4. If you can, open the account under two names and require that both signatures be required to make a withdrawal. Two people can debate each withdrawal and keep each other in line.

5. When you get your paycheck, immediately put a minimum of 5% in your savings account. After just a year, you'll be surprised by how much you have actually saved and feel great about it.

Amazing Money Tip #5

Visualize wealth and abundance everyday. Am I actually suggesting that you practice some sort of airy-fairy mysticism that will make you into a "money magnet"? Maybe yes, maybe no. Call it what you will - a mind game, mysticism, New Age ga-ga -- but the solid fact is that behind every wealthy man and woman is a positive attitude toward money. Here's a quick demonstration:

(1) Person One with a negative money attitude has daily thoughts which go this way: "Jeez! $20 bucks is hard to come by! I seem to work so hard and get so little for it. Money just slips through my fingers. It's amazing how much money you have to earn to just get by these days. I'm never going to be able to afford that new car on my limited salary, but this job is still the best thing going for me right now. It's easy for some people to make a lot of money, but I'm not one of those people ..." and on and on.

(2) Person Two with a positive money attitude has daily thoughts which go this way: "You know, I bet if I work my butt off I can get a raise next month, and then I'll take half of the extra money I make and toss it in a savings account. There must be a 100 other ways I can bring in some extra cash. Money is not all that hard to earn if you work hard, watch your spending and save a little at a time. There's enough wealth for everybody in this country, and I can easily get my share, and more ..." and on and on.

Okay. Which person do you think will have a better chance of success? You don't need to be a Rhodes Scholar to see how Person One is dragging himself down with his thoughts, and how Person Two is giving himself a fighting chance.

Look at it this way: It costs nothing one way or the other to have either negative or positive thoughts. So why not have positive thoughts?

There have been many studies done on the thought patterns and the frames of mind of some of the richest, most successful people in the world. The one thing they all had in common was a positive attitude toward money and their ability to earn it.

The next of the 11 best money saving ideas of all time will be discussed in part 3. Until then, take note of what you have learned so far and put this information to good use. Read and reread this article; I bet you will notice a difference sooner than you think.

Copyright by Palyn Peterson