Little Things Matter

One small thing I’ve done recently is stop putting sugar in my coffee. Since I drink 3 or 4 cups per day with 2+ teaspoons of sugar in each, I’ve cut my daily calorie intake by 200+ calories per day. The difference is that I’ve lost 10 pounds just since Jan 1st, with no other significant lifestyle changes whatsoever. One simple change CAN make a big difference.

What else can you and I change?

I’m talking small changes, nothing earth shattering.

Could you spend 10 minutes making a grocery list and clipping a few Internet coupons? Study after study shows that those shopping with a list spend less. Could you give it a shot? What if you saved only $3 per week? Would another $150 make a difference to you this year?

How about gathering up all the unused stuff that’s in your basement/garage/attic and selling it on Ebay? After all, you aren’t using it and someone might pay you for it. Come to think of it, I have an old laptop I need to sell.

What if you took the time to wash your hands 2 more times per day? You would significantly reduce your chances of getting a cold or the flu and would cut down on the risk of spreading it to your family. How much does a visit to the pediatrician wind up costing you?

Why not take a few minutes and tell your spouse that you love him or her? Throw in a gentle massage or neck rub (expect nothing in return). They say that love is grand and divorce is 50 grand, so this simple act every couple of days could wind up saving you a lot in the long run.

What if you set your alarm clock to go off just 30 minutes earlier? Assuming you actually got up, you would pick up three and a half hours per week, that’s seven and a half 24 hour days per year. Could you use an extra week to get things done? What could you accomplish with another week in the year?

Could you check to see if your insurance company has raised rates faster that their competitor? Just because you’ve been with one company for ages doesn’t mean that you have to stay there until the end of time. Check your car insurance rates, your homeowners insurance rates, your spouse’s medical insurance rates (compared to your company’s rates). If you can get comparable coverage at a better price, why not?

If you carry a balance on your credit card, ask for a rate reduction. If you cannot get a significantly better rate, move to another company. Check out some of your options at

Making significant improvements doesn’t have to be a huge task. Many times, more often than not, you can make significant changes to your life and your financial picture by doing the “little things.”If you have a little thing that can make a big difference, leave a comment. I would love to hear it.

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