35 minutes to riches

It's Money Magazine's 35th anniversary. In its honor, here are 47 smart ways to get on track to a rich life.

By Asa Fitch, Amanda Gengler, Josh Hyatt and Ismat Sarah Mangla

Factbox: Coupons
�Coupon clippers� represent 76 percent of the overall U.S. population, saving them nearly $3 billion annually on grocery, healthcare and household items.

Source: Promotion Marking Association Coupon Council

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Spend consciously

Time it takes: 35 minutes

At the grocery store, you're up against tempting displays and smells in every aisle. To avoid being ambushed, you need to follow a strict plan. Take 35 minutes to make a shopping list that follows the layout of the store (no straying) and calls for stocking up on sales items. To see the specials at stores nearby, enter your zip code atmygrocerydeals.com.

Credit score Raise your credit score Triple the return on savings Stop junk mail Freeze your credit Cut your credit rate Upgrade to a better card Add to your 401(k) Asset Allocation Buy a forever portfolio Find promising funds Track returns Check salary Retirement plan Life insurance Tax bracket Escape late fees Write bounce-proof checks Auto insurance Double-check your taxes Keep more of your paycheck Tax break for day care Pay less for your cell Cut drug costs No more waiting rooms Burn calories Be like Buffett Save for college Automate your savings Get credit, even in a crunch Read your mortgage Save on your mortgage Create an insurance record Curb impulse buys Spend consciously Slash recurring charges Boost your mileage Find it cheaper online Demand a lower cable bill Save on drinking water 35-second solutions

35th Anniversary

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