To begin, list all of your daily expenses on a sheet of paper. Don’t leave anything out, even if it seems trivial. 35 cents for a toll? Write it down. A few bucks for a coffee on the way to work? Write it down. No expense is too small to record. Once you have a complete list, add everything up and check the total. Now, choose one thing to cut out and make up your mind not to spend that dollar or two. Take the exact amount of the item and deposit it into a jar or piggy bank. Do this every single day and see how much you save!

Gather up all of the loose change in your house and put it in a dedicated “change jar”. Place the jar in a prominent place in your house so that everyone can participate in the family savings plan. Whenever anyone has a spare nickel, dime, quarter – or even a penny – make a rule that they have to put it in the change jar. Every few weeks go to the bank or to a coin changer and redeem all of your change for cash. Put the spare cash into a regular savings account. Again, you’ll be amazed. A jar full of small change can add up to hundreds of dollars a month in pure savings.

Get a debit card that automatically deposits a small amount of money into a linked savings account every time you use it. Check with your bank to see if they offer this kind of service. Most of these cards work by rounding up purchases and depositing a few pennies at a time into a savings account. If you buy something for $9.95 for example, your card will round the transaction up to 10 dollars and deposit 5 cents into savings. It’s a quick and painless way to build a big balance.

Try these simple tips to start on the road to big savings!

It is not an easy task to sell a boat; the boat seller needs to deal with haggling, advertising costs, shipping costs, and any storage and registration fees accrued during the interim. Many boat sellers end up selling their boats at an extremely undervalued price simply to expedite the process. In addition, during a poor economy the market for used boats shrinks substantially, and it can take a very long time to find an interested buyer.

If you donate your boat, the charity and organization takes care of much of the processing, as it’s in their interest to make the process as fast and painless as possible. Not only do you get the satisfaction of knowing that your money is going to a good cause, you may come out financially on top as well. While selling a used boat often means you have to accept a low offer, a boat donation is tax deductible. While tax deductions can vary depending on the individual, in general up to 100% of the value of the boat can be deducted. Many charities and organizations will help in figuring out the market value of the boat.

Selling a used boat also comes with additional hassles, such as having to arrange shipping to another state, not to mention the continued maintenance on the boat while you try to sell it. A charity or organization will arrange these things for you promptly, so you are not left with additional, hidden costs.

Donating a boat rather than selling is ideal for the boat owner who values their time and wants to make a difference. It can be more financially beneficial than outright selling for a boat owner with high tax liability, and it is a fast, stress free way to get rid of an old boat that you no longer desire while helping others in need.