How do you save money!

[Okiebug61]

Saving money can be a challenge and I am always interested in how others put away for a rainy day. Here is what we are currently doing. What's your saving tips?

Red and I are always thinking of fun ways to save money. We are currently on the $5.00 savings plan which means every time we get a $5.00 bill in change we have to put it in our hiding place. We did this for 4 months before fall break in October and had an amazing $700.00 saved for our vacation.

Here is another one we decided to also start for our Christmas spending money for next year.

http://savingabuck.com/

[Rockinonahigh]

One way I save a few pennies is to keep my eye on the discount meat bin at super one store so by doing this I have gotten lots of great bargains on steaks roast and other cuts,today I found some thick cut pork chops and a whole pork shoulder.The chops were marked down to $5.99 and the shoulder from $35.00 for $12.75 I will get plenty of pork roast after I cut it up.I also get the store brand as I have found it's not much diffrent from the major brands.As I only eat whole wheat bread I found at the dollar store they sell the same bread for a dollar I would normaly pay $3.50 for,I get ten loaves then freeze it so when it thaws to us it is just as good as it was when I bought it.

[Leigh]

I'm someone who is bad at saving money so i will definitely be reading this thread for ideas and tips :)

[Jar]

I never spend change. I hate digging for it so I put it in a jar until it adds up and then I wrap the coins and put it in my savings. I also have an online savings account and every pay check I have an amount automatically transferred to it from my checking so I don't really see it. I do the same with my 401.

I also try to only buy food that's on sale. I make a list every Thursday and stick to it. Anything that's on sale I stock up on, divide up and freeze into individual portions.

I also have an excel spreadsheet with a 5 year budget but so I can see times that I might run short on cash :|

Ok now that's just crazy:rofl:

[Soft*Silver]

little things add up. I learned to make open faced PBJ sammiches. I turned off lites when I wasnt in a room. I reused plastic bags until I could afford to buy the plastic sammich keeper.

Some of it is to stop compulsive buying or buying into compulsive shopping gimmicks. such as

I dont supersize my meals. That helps with the diet too. In fact, when i can, I split a meal with someone. If we are still hungry, we can order dessert! Now thats nice!

I turn down offers of home demo parties. Or if they insist I go, I leave all my money, cards and check books at home and tell them I am going to do this. Thirty One bags are such a grossly overrated group of bags. I dont want to offend anyone but really? Fifty bucks for a bag that I can get in the dollar store for $5? Tupperware is another money eater. Nice product, hefty price. And then you see them at garage sales for a quarter in about 5 years..with no lids

I buy used everything. Clothes to furniture. I consign also, to other stores. It GIVES me money. Not alot but $5 is $5.

I make a list of all the things I wish i had, when I need them. If I end up not getting them before summer, I take that list with me and give it to some friends, for garage sale hunting.

I buy after holiday sales. LOTS of Christmaswares. Cards, paper, tags, stockings, trees, bulbs, etc. I can consign some of these too!

I go to cheap movies or not at all. If its a MUST SEE, I will go to a matinee.

There is just Chrissy and I...so buying bulk foods is a waste...but we have found some items we can buy in bulk and split w friends of ours. Like dog food. Cereal. Toilet paper.

I no longer buy most magazines. If I need to read one, I go to the library. Or I ask freecyclers to give me theirs when they are done with them. A few I have to buy because of my trade or because its important to me. But most I can live without

I use freecycle..its a group on yahoo and there is one for every area. The purpose is to recycle and reuse rather than throw it in a landfill. I have gotten furniture, clothes, books, magazines, purses, planting containers, urban rubble, tents, car parts, etc

There are also Buy Sale Trade groups on FB and Hand ME Down groups on FB. I watch carefully...I can get some pretty good buys on there. Most of my Christmas presents have come off of there

I mention consigning...if you do it all year and dont collect your money from the sales, you can pick it up for a lump sum. PLEASE tell the shop owner you want to do this, because you might catch her off guard and not have the funds at hand Its a nice way to plan ahead for a holiday, a graduation, a vacation, etc

[Okiebug61]

One way I save a few pennies is to keep my eye on the discount meat bin at super one store so by doing this I have gotten lots of great bargains on steaks roast and other cuts,today I found some thick cut pork chops and a whole pork shoulder.The chops were marked down to $5.99 and the shoulder from $35.00 for $12.75 I will get plenty of pork roast after I cut it up.I also get the store brand as I have found it's not much diffrent from the major brands.As I only eat whole wheat bread I found at the dollar store they sell the same bread for a dollar I would normaly pay $3.50 for,I get ten loaves then freeze it so when it thaws to us it is just as good as it was when I bought it.

We hit the reduced meat sales every week! It is a great way to save!

[VintageFemme]

LoLoLoL !!!

Saving money? Whaaaaaaaaaat? What is this madness???

[RockOn]

Staying away from Home Depot and Lowes helps a great deal.

[Rockinonahigh]

I use to have a bad habit of see it, buy it cause I just wanted it,I finealy stopped doing that by thinking do I really need it or do I just want it.So now I save for the things I would like to have then watch for it to come on sale somewhere or get a diffrent brand that is the same in doablity for a lot less.I also have a change jar because I really hate to haul change around so in the jar it goes till it's filled then I pour it all into a one gallon plastic jar till it's full I have several jars so it's an on going process.Also as I use to ride a lot I often pick up used saddles hear and there for a refit project so when it's finished I put an add in the livestock journal then sell it for way more than I paid for it.

[Mopsie]

Saving money can be a challenge and I am always interested in how others put away for a rainy day. Here is what we are currently doing. What's your saving tips?

Red and I are always thinking of fun ways to save money. We are currently on the $5.00 savings plan which means every time we get a $5.00 bill in change we have to put it in our hiding place. We did this for 4 months before fall break in October and had an amazing $700.00 saved for our vacation.

Here is another one we decided to also start for our Christmas spending money for next year.

http://savingabuck.com/

1. Great thread

2. I like this five dollar bill saving idea I'm going to try it!

3. For me saving is about budgeting ahead of time. For example, I do my best to never spend more than $2 per meal. So I take advantage of sales and only enjoy certain foods when they're on sale.

4. I also saved my change. :)

[Gemme]

I collect loose change and it goes into a giant glass pickle jar. When full, it goes to my bank and they ship it off to be counted and deposited into whatever account I want.

I have it set up with my bank so any debit from my account that is has change attached ($11.41 for example) would deposit the rounded up change into my savings (in that example, $.59 would go into my savings account).

I have a 401K.

I keep an eye on sales and try to get stuff that's a better deal.

We buy real food to make meals out of and try to limit the junk that's so easy to pick up on the road. That stuff adds up really quick!

Some of my furniture is a bit worse for wear and we're fixing it up instead of purchasing new.

[Okiebug61]

I never spend change. I hate digging for it so I put it in a jar until it adds up and then I wrap the coins and put it in my savings. I also have an online savings account and every pay check I have an amount automatically transferred to it from my checking so I don't really see it. I do the same with my 401.

I also try to only buy food that's on sale. I make a list every Thursday and stick to it. Anything that's on sale I stock up on, divide up and freeze into individual portions.

I also have an excel spreadsheet with a 5 year budget but so I can see times that I might run short on cash :|

Ok now that's just crazy:rofl:

Jar your 5 Yr budget planned out is awesome. It is much easier to plan when you know where you are.

Red and I are not brand specific when it comes to a lot of different foods, so we will use coupons on top of sale items to purchase items for less.

I recently downloaded Ibotta and just yesterday alone I collected an additional $6.50on items they had listed that we bought and the money was deposited into my pay pal account before I even got home.

The stores on Ibotta have the exact same offers so you do not have to drive across town to purchase an item. All of our stores on our list are pretty much with in a 3 -4 mile radius so we do take advantage of a sale item that is at our Homeland grocery store because they have double coupons up to $1.00. There have been many items for the holiday meals that we ended up paying pennies compared to the normal price and they are on my ibotta.

I have all of my store reward cards on an app called keyring making it so easy to use them all.

[Jar]

Jar your 5 Yr budget planned out is awesome. It is much easier to plan when you know where you are.

The stores on Ibotta have the exact same offers so you do not have to drive across town to purchase an item.

I have all of my store reward cards on an app called keyring making it so easy to use them all.

I've budgeted this way by hand even before excel. I wouldn't know how to manage money without this plan

I'll have to check out Ibotta and keyring. Haven't heard of those two.

[DapperButch]

:nothingtoadd: because I SUCK at daily budgeting.

I kick ass when it comes to retirement savings and larger vision savings (paying towards my mortgage every week instead of once a month to pay it off faster), but the daily stuff, I just don't...well, just don't do it.

I have some weird things, like I always get water with any meal out, will NEVER EVER under any conditions get "delivery", I buy generic/no name brand items in most cases, but the daily, "I always bring my lunch to work" type stuff I don't do.

I will eagerly read this thread for ideas from you all. I know the first step is more awareness as to what I spend/what I spend my money on, but I avoid this first step (so that I don't have to change my behavior). :blush:

This is another thread those here may enjoy: http://www.butchfemmeplanet.com/forum/showthread.php?t=5819

[Okiebug61]

LoLoLoL !!!

Saving money? Whaaaaaaaaaat? What is this madness???

It is a madness you are welcome to sit back and enjoy the ride!

[Okiebug61]

Staying away from Home Depot and Lowes helps a great deal.
We actually take advantage of Lowes deals. Bought our washer and dryer set and dishwasher this year at 0%. Paid them all off early!

[Okiebug61]

I collect loose change and it goes into a giant glass pickle jar. When full, it goes to my bank and they ship it off to be counted and deposited into whatever account I want.

I have it set up with my bank so any debit from my account that is has change attached ($11.41 for example) would deposit the rounded up change into my savings (in that example, $.59 would go into my savings account).

I have a 401K.

I keep an eye on sales and try to get stuff that's a better deal.

We buy real food to make meals out of and try to limit the junk that's so easy to pick up on the road. That stuff adds up really quick!

Some of my furniture is a bit worse for wear and we're fixing it up instead of purchasing new.

We needed to replace our theatre seating and spent an entire weekend sitting in every chair we thought we might like! As always the ones we liked we could not justify the cost! One Sunday we were shopping at Big Lots and found a love seat on sale with an additional rewards member discount and walked out with a new leather loves seat for $253.00 bucks! We love it, it fits our needs and saved us big bucks! Red and I have learned not to buy on emotion and that has saved us a lot of money!

[Bad_boi]

I punch people and take their lunch money and keep it in a jar.

[Bèsame*]

Oh, I have apps to all my fav stores, so I will always have a coupon.

Now, where do I go, what do I do, to save time?
https://encrypted-tbn1.gstatic.com/images?q=tbn:ANd9GcTVjZ5Gdyi3pRbhUIJqb34U4KohaaJkI ZGMkRcD2tI1AYoN9BYK

[Okiebug61]

Oh, I have apps to all my fav stores, so I will always have a coupon.

Now, where do I go, what do I do, to save time?
https://encrypted-tbn1.gstatic.com/images?q=tbn:ANd9GcTVjZ5Gdyi3pRbhUIJqb34U4KohaaJkI ZGMkRcD2tI1AYoN9BYK

We save time by having everything thing we need monthly set up on Amazon. I have not shopped for any paper products in over a year. I make sure to check my subscribe and save items the week before the cut off. If any prices have raised to much then I switch the brand. I have only had to do this a couple of times. Amazon has always been spot on with my items and if anything has arrived damaged they replace it without having to return the damaged item at no charge. Now if I could get the drone delivery they showed on 60minutes that would be awesome. We also stock up on non perishable items which saves us time having to shop.

[Smiling]

Okie,

Quick derail: I read about the drone delivery! Is that absolutely crazy or what? I don't find it so surprising that the technology is possible; but that we are so close to it being implemented scrambles my brain. I guess the FAA is skeptical that they will be able to put the necessary controls on it in that amount of time, though. It will be very interesting to see! They are only going to be able to stem the tide of air traffic for so long, in my opinion; with the flying cars, motorcycles, etc. in the works.

Okay, sorry everyone! Just wanted to say that and we aren't allowed enough characters in rep comments to satisfy my big mouth on this issue, lol. :)

Carry on....

[PinkieLee]

Saving money can be a challenge and I am always interested in how others put away for a rainy day. Here is what we are currently doing. What's your saving tips?

Red and I are always thinking of fun ways to save money. We are currently on the $5.00 savings plan which means every time we get a $5.00 bill in change we have to put it in our hiding place. We did this for 4 months before fall break in October and had an amazing $700.00 saved for our vacation.

Here is another one we decided to also start for our Christmas spending money for next year.

http://savingabuck.com/

I saw this just the other day on Pinterest! What a great idea!

[Rockinonahigh]

Yesterday I was cleaning out the freezer and found I had let a few things stay in there to long,it wasn't much but was a waist of $ to put them in the garbage.So with that being said I now have a chart of what's where and how much,when I use something up I can check the chart and restock..hopefully no more stuff in the garbage.I also get thing in bulk if possable that are non perishable then put then in a air tight container.Another thing I have done is I have a large camp stove that runs on butain or charcole even wood chips if thats all I have,it even has a 21/2X21/2 oven on the side to bake with.We use to camp out a lot so I just put this equipment to contenued use in case the stove has a problem,it's a gas stove but the pilot light works with electricty so if the juice is out it wont light anything..a safety measure built in.
With old man winter having the possablity of being bad this year(we are due one) my son is putting a generator to kick in if the power goes out so we won't lose whats in the fridge or either freezer,replaceing the contents would cost a bundle.

[Okiebug61]

Yesterday I was cleaning out the freezer and found I had let a few things stay in there to long,it wasn't much but was a waist of $ to put them in the garbage.So with that being said I now have a chart of what's where and how much,when I use something up I can check the chart and restock..hopefully no more stuff in the garbage.I also get thing in bulk if possable that are non perishable then put then in a air tight container.Another thing I have done is I have a large camp stove that runs on butain or charcole even wood chips if thats all I have,it even has a 21/2X21/2 oven on the side to bake with.We use to camp out a lot so I just put this equipment to contenued use in case the stove has a problem,it's a gas stove but the pilot light works with electricty so if the juice is out it wont light anything..a safety measure built in.
With old man winter having the possablity of being bad this year(we are due one) my son is putting a generator to kick in if the power goes out so we won't lose whats in the fridge or either freezer,replaceing the contents would cost a bundle.

We have started menu planning so we do not buy what we do not need or simply because it is on sale and forget about it. I like the list idea for the freezer. Think I'll put the dryer eraser board I am not using on the wall by the freezer and organize everything. That way I can quickly take note before shopping.

Thanks for the great tip.

[Rockinonahigh]

I have always had an herb guarden so I can use them fresh when I need them,I also have a dehydrator that I use to dry the herbs for future use during the winter.As for spices,if they are kept in a tightly sealed container they will last a good while just also keep them in a cool dry place to help it last longer.

[Okiebug61]

I have always had an herb guarden so I can use them fresh when I need them,I also have a dehydrator that I use to dry the herbs for future use during the winter.As for spices,if they are kept in a tightly sealed container they will last a good while just also keep them in a cool dry place to help it last longer.

We use our fresh herbs year around. I have a small indoor greenhouse I keep going year around. Note: If we lived where you are we would be eating out more than we should at the little restaurant that use to be a gas station. :-)

[Gráinne]

I find if I plan meals for a week, then load the e-coupons and clip the paper ones for things I know I'll use, I can save much $ at the store.

Since I'm trying to be (ahem) smaller, I've been buying my "in-between" clothes at the Goodwill. I can get away with very basic, neutral colors. I buy for my two sons there, also. Just today I picked up a wooden magazine rack for the living room-$5. Most of my art is thrift store, then reframed if necessary.

I mostly watch for sales, if the store is very close. Too far, and it's not worth the time or gas. I have a Target, Kroger, Walgreen's, and a Kohl's all within 10 minutes. I try my darndest not to shop at the nearby Walmart, though.

Something I've noticed-yes, it's important to save, but I've been trying to get value when I do spend. For instance, the other day I was out and about all darn day and starving. Instead of going to McD's and feeling physically but not emotionally full, I took myself to my favorite deli place where I get a huge sandwich, chips, pickle, a drink, and dessert for the same money. I love it there, the people are nice, and I feel like I spent well. So that's my challenge for 2014; to save, yes, but not cheap myself out.

[sofimichi]

*le suscribes to the thread*
:rubberducky:

[Rockinonahigh]

We use our fresh herbs year around. I have a small indoor greenhouse I keep going year around. Note: If we lived where you are we would be eating out more than we should at the little restaurant that use to be a gas station. :-)


Going out to eat is something I am careful about,there is a small place I like to go once in a while that has the best Italian food that I have found since eating in my grannies kitchen.The family has owned it for five generations,the atmosphere is as old world as they come,they have known every generations of my family since the great grand folks came from Italy If I ate there as much as I would like I would be as big as a barrel.

[Okiebug61]

Going out to eat is something I am careful about,there is a small place I like to go once in a while that has the best Italian food that I have found since eating in my grannies kitchen.The family has owned it for five generations,the atmosphere is as old world as they come,they have known every generations of my family since the great grand folks came from Italy If I ate there as much as I would like I would be as big as a barrel.

We will in your town in March! Maybe we can meet up!

[Rockinonahigh]

We will in your town in March! Maybe we can meet up!

Great,let me know when.

[Kelt]

I do a few things. For buying things like food I get all of my staples in bulk beans, quinoa, rice, spices, nuts. I buy fruit and veg that are in season and on sale at a huge ethnic produce stand, then fish/meat at a warehouse store. I do all of my cooking at home. Almost never go out, I like the food here better. :eating:

I also do a little game with my regular bills like utilities, insurance, etc. I have a Visa card that gets me Amazon points and I buy non-food items online. I pay all of my bills, most are auto-pay so no forgetting, with the Visa to earn the points and then just pay the card off each month. That way I get the extra consumer protection, maintain my Fico score (otherwise lack of activity drags it down) and net $20-30 per month in points.

All of my transactions are automatically recorded into an online finance tracker (mint.com). It is set with triggers to let me know if anything is off budget and it emails me a summary each week, you can set different intervals.

Mostly though, I just don't spend it if it isn't truly necessary.

[Jar]

All of my transactions are automatically recorded into an online finance tracker (mint.com). It is set with triggers to let me know if anything is off budget and it emails me a summary each week, you can set different intervals.

I use mint.com also. It does most everything Quicken is supposed to do (but doesn't) and it's free. It even keeps track of what my condo would sell for. Pretty cool

[DapperButch]

I do a few things. For buying things like food I get all of my staples in bulk beans, quinoa, rice, spices, nuts. I buy fruit and veg that are in season and on sale at a huge ethnic produce stand, then fish/meat at a warehouse store. I do all of my cooking at home. Almost never go out, I like the food here better. :eating:

I also do a little game with my regular bills like utilities, insurance, etc. I have a Visa card that gets me Amazon points and I buy non-food items online. I pay all of my bills, most are auto-pay so no forgetting, with the Visa to earn the points and then just pay the card off each month. That way I get the extra consumer protection, maintain my Fico score (otherwise lack of activity drags it down) and net $20-30 per month in points.

All of my transactions are automatically recorded into an online finance tracker (mint.com). It is set with triggers to let me know if anything is off budget and it emails me a summary each week, you can set different intervals.

Mostly though, I just don't spend it if it isn't truly necessary.

Yes, to the paying off the credit card each month, that goes without saying. May parents do what Kelt did and I should do as well, pay all bills with a card (instead of autopay out of my checking account) that reaps me benefits.

Buying in bulk goes without saying as well. I am also super stickler for getting those Select -a-size paper towels. I also only use as much as needed. I find that for most things I only need half of the smallest Select-a-size piece. I also focus on not letting food go to waste (leftovers), that drives me nuts.

Oh, and don't forget to get energy effcient appliances. I also have my temperature control on a timer. The heat goes down during the day (when I am at work)/overnight, automatically. Other small things like keeping lights off in rooms, energy efficient light bulbs, and keeping blinds drawn in the winter to conserve heat.

My spending waste is modifications/upgrades for my sports car. Really though, I only do one project per year and I wait until I get my tax return for that.

Oh, I also hold on to cars. My "daily driver", is a 14 year old car, in fine shape. I have wanted a Wrangler Jeep for years, but have stayed strong! My sports car is 12 years old.

Ok, so it looks as though I could be worse! I am sure I would do better if I used mint.com, as it would motivate me.

Great thread!

[Okiebug61]

I do a few things. For buying things like food I get all of my staples in bulk beans, quinoa, rice, spices, nuts. I buy fruit and veg that are in season and on sale at a huge ethnic produce stand, then fish/meat at a warehouse store. I do all of my cooking at home. Almost never go out, I like the food here better. :eating:

I also do a little game with my regular bills like utilities, insurance, etc. I have a Visa card that gets me Amazon points and I buy non-food items online. I pay all of my bills, most are auto-pay so no forgetting, with the Visa to earn the points and then just pay the card off each month. That way I get the extra consumer protection, maintain my Fico score (otherwise lack of activity drags it down) and net $20-30 per month in points.

All of my transactions are automatically recorded into an online finance tracker (mint.com). It is set with triggers to let me know if anything is off budget and it emails me a summary each week, you can set different intervals.

Mostly though, I just don't spend it if it isn't truly necessary.

I use mint.com myself. I love it. I also am a big fan of any kind of points I can earn.

[Rockinonahigh]

Eight years ago I bought a 91 caddi for $4,000.00( in cash) it still drives very well with few if any issues,mostly the sensors but It runs good just the same.Having a son who is a mechanic is a plus for the few things that needs doing.
My son is bit by bit going green with the house,this summer we found out we were in a hail storm zone an were eligable for a new roof that the inshrance covered.Then he had blown insalation put in the attic,replaced the old a.c. with a new energy effenct one as the old fart wen't out when it least needed to as for the heater it was put in new right before we bought the house.The next two thing he is doing is a generator,then he is wanting to put solar panels on the roof to have a clean sorce of electricty then sell the excess back to the juice co.new windows are on the list to,probly next year.All the refit's are tax deductable to a point. We have also thinking about a green house with hydrophonic plant system,I have done this before and it worked really good,fresh tomatoes is a plus in the winter.

[ruffryder]

I don't.


LOL :blink:


I have a 401 K which I need to start investing more in.

We TRY to eat our leftovers and not waste food at home.

I look for the cheapest place to get gasoline.

I base my food consumption and meals based on what is on sale besides necessities.

I have a bank account that distributes 1.00 to a savings account every time I use my debit card which can be anywhere from 3-15.00 a week. I always tend to take that money out though when I have something coming up to use it for. I guess I'll be saving money in there for a few months for spring break and then our trip to LR next year.

I will be watching this great thread for other tips.

[DapperButch]

I have a 401 K which I need to start investing more in.



Make sure you invest at least "up to the match". Meaning, if your company will match up to 3% of the percentage you put in, put in at least 3%. 6% of your income will be being saved then!

Simply don't let it be a choice to not do this. Don't throw away free money!

What I need to get better at (meaning, actually do!), is increase my 401K/403b contribution each year when I get my raise (a measley 1%). I should automatically put that 1% increase into my 403b (or actually, in my case I would put it into my Roth, but, that is besides the point...)

[Jet]

Custom Italian suits from Darya Trading, an importer in LA. I bought a lined, custom all weather black suit listed for 1500.00 for 99.00 with shipping. The fabric and craftsmanship are beautiful.

Italian sport jacket listed at 489.00 for 69.00. Lined and custom fit.

[Rockinonahigh]

We all can think of ways to be safe in our homes,with all the thing that we use an accidental fire or short can happen to anyone.In my kitchen I have two fire extinguishers (one was hear when I got the place) in case it's needed,I also have one in the laundry room,also I have fire & gas detectors in nearly every room.When I was in culinary school we had an issue with the large industrail mixer when it shorted out and the kitchen near went up in flames,there were several of us working there at the time so when it happened we called the fire department but also tried to put out the fire,one student ran to get a bucket of water to put it out,I stopped her then use the fire extengusher to put it out.After it was all over I made shure every student we had a safety class so everyone was up on kitchen safety.This is something we all should think about,first aid is another thing we all should be able to use if needed. Hear at home I have a placard on every front window so the fire department will know I have fur kids in the house so they can help them if they can.In doing all the safety step I have done has dropped my house inshurance to a lower rate.Many years ago I took a EMT class and have stayed current on any new training,one never knows when knowing how to save a life or the need for first aid.

[Jet]

Stocking my fridge and freezer monthly. I freeze milk, meats, and fresh veggies. I blanch and freeze vegetables and stock my freezer. But it also helps to be into culinary arts. I love to cook and prepare soups and dishes in advance for freezing. There's always plenty on hand to eat and I save an incredible amount of money by knowing how to cook. I eat like a king by preparing everything in advance and I pay far less for fresh foods than pre-packaged or prepared frozen foods. My grocer is a global supermarket that offers spices and foods from around the world. I shop for everything I need and stockpile.

I invested in a stainless steel 12-piece cookware from Cuisenart, retailed for 500.00 for 99.00 and free shipping. I also received discounts on J.A. Henckles cutlery. Once you have the basics you're on your way.

[Okiebug61]

There are some things I refuse to give up. I do not buy very many generic things. I like choices so I am frugal with what brand names I do buy. If I want a Rib-eye steak I wait to find one that is marked down for clearance and have it that night.

I have learned over the years to not deny myself things I like. It only makes me resentful and I will not live like that.

[Ginger]

I get a lot of catalogues, and I drop them straight into the recycle bin on my way to my apartment when I get home.

Quinoa in bulk is like the only great deal at Whole Foods. So I stock up every three or four months on it.

[Medusa]

One of the biggest ways I save money is by bringing my lunch to work. Usually it's either leftovers from the previous evening or a Lean Cuisine meal or something like that. I also bring my breakfast (a smoothie or yogurt and fruit) and my afternoon snack.

Just for example, when I eat at the cafeteria at work it looks like this:

Breakfast - Starbucks coffee, scrambled eggs, orange or banana = $5

Lunch - Usually something from the salad bar or the lunch of the day= $7

Afternoon snack - Fruit or something junky = $1

$13 a day multiplied by however many days I go in. I work at home a lot but there are times I go in to work 4 or 5 days.
Just going in 4 days multiplied by $13 - over $50.
Do that every week and it's easily over $200 a month.

Jack and I also try to curtail eating out. We got into a bad habit for a while of eating out 2 - 3 times a week and it was costing hundreds a month.

Just eat at home!! and SAVE!

[Jet]

#3

Never subscribe to cable or Dish. I use my big iMac for everything including streaming on the networks and watching full episodes. I saved around 127.00/mo not having a TV. Oh, and those downloads...

Ha! My aunts want me to write a book on how I got around it all.

[Okiebug61]

One of the biggest ways I save money is by bringing my lunch to work. Usually it's either leftovers from the previous evening or a Lean Cuisine meal or something like that. I also bring my breakfast (a smoothie or yogurt and fruit) and my afternoon snack.

Just for example, when I eat at the cafeteria at work it looks like this:

Breakfast - Starbucks coffee, scrambled eggs, orange or banana = $5

Lunch - Usually something from the salad bar or the lunch of the day= $7

Afternoon snack - Fruit or something junky = $1

$13 a day multiplied by however many days I go in. I work at home a lot but there are times I go in to work 4 or 5 days.
Just going in 4 days multiplied by $13 - over $50.
Do that every week and it's easily over $200 a month.

Jack and I also try to curtail eating out. We got into a bad habit for a while of eating out 2 - 3 times a week and it was costing hundreds a month.

Just eat at home!! and SAVE!

Great points! Eating out is so easy but so expensive. Red being a teacher takes her lunch everyday but one when her team goes out. We make her breakfast sandwiches for the week on Sunday so she can pop one in the microwave while getting ready.

Loving all the great tips. Keep them coming :-)

[Okiebug61]

[QUOTE=IslandScout;867214]I get a lot of catalogues, and I drop them straight into the recycle bin on my way to my apartment when I get home.QUOTE]

Here is a fun way to maybe use some of those magazines.

http://www.craftstylish.com/item/45111/how-to-make-a-magazine-reed-box/page/all

[Rockinonahigh]

My aunt would take all the junk mail catalogs,news papers ect then put them into a paper log roller.This gizmo would role them up into a foot and a half to a two foot long paper log then tie it off with heavy string,she use d them for fire starters in her fire place.I have no idea where she got this gizmo but it really did work plus the junk mail was use full.

[Okiebug61]

My aunt would take all the junk mail catalogs,news papers ect then put them into a paper log roller.This gizmo would role them up into a foot and a half to a two foot long paper log then tie it off with heavy string,she use d them for fire starters in her fire place.I have no idea where she got this gizmo but it really did work plus the junk mail was use full.

Amazon.com - Uniflame Newspaper Log Roller

[Rockinonahigh]

Amazon.com - Uniflame Newspaper Log Roller (http://www.amazon.com/Uniflame-C-4301-Newspaper-Log-Roller/dp/B0012M9UZ6)


Yep,that's it, the very same thing she had.Aunt Jo lived on a farm that had some of the best hard wood around,I should know I cut,chopped and hauled enough of it for fire wood over the years she lived there.

[Okiebug61]

I had one of these years ago but it was bulky and the materials were hard to get. I have been researching the new ones and think I am going to purchase this one

Amazon.com: FoodSaver V3835 Vacuum Sealing System: Kitchen & Dining

With this we could buy more meat in bulk and vacuum seal in portions for just the 2 of us.

Does anyone else have one of these and if so what brand do you have.

[Rockinonahigh]

I had one of these years ago but it was bulky and the materials were hard to get. I have been researching the new ones and think I am going to purchase this one

Amazon.com: FoodSaver V3835 Vacuum Sealing System: Kitchen & Dining (http://www.amazon.com/FoodSaver-V3835-Vacuum-Sealing-System/dp/B001E42R8O/ref=sr_1_sc_3?ie=UTF8&qid=1386431340&sr=8-3-spell&keywords=food+daver)

With this we could buy more meat in bulk and vacuum seal in portions for just the 2 of us.

Does anyone else have one of these and if so what brand do you have.


I have used one before and they are great for freezing food or prepackaged meals,also the shelf time in the freezer is longer because of the air venting system by at least a couple of months more than the six months with freezer bags.The only reason I don't use one is getting the bags for the unit can be iffy,but if you can get the bags I think its a great idea.

[Yew]

I am a fanatic about turning things off: lights, my computer monitor for example, and I hang a lot of my laundry even though I have a dryer. I buy some food from a co-op where it's 1/2 the grocery store price, is generally locally produced and has no sales tax (I live in a backward state that still taxes groceries); at the grocery store I look first in the discount carts and meat sections. Also, I use rags vs apertowels, and cloth napkins vs paper ones, then just wash them. I spent a summer in Spain and was impressed by the thriftiness I saw there and have added some of what I saw into my own lifestyle. I thrift shop a lot, too, since it's fun and economical. And lastly, I am not a beer snob so PBR is my friend :D

[Medusa]

I am a fanatic about turning things off: lights, my computer monitor for example, and I hang a lot of my laundry even though I have a dryer. I buy some food from a co-op where it's 1/2 the grocery store price, is generally locally produced and has no sales tax (I live in a backward state that still taxes groceries); at the grocery store I look first in the discount carts and meat sections. Also, I use rags vs apertowels, and cloth napkins vs paper ones, then just wash them. I spent a summer in Spain and was impressed by the thriftiness I saw there and have added some of what I saw into my own lifestyle. I thrift shop a lot, too, since it's fun and economical. And lastly, I am not a beer snob so PBR is my friend :D



We are about go get back on this kick ourselves. It's not only friendlier for the environment but it cuts wayyyyy down on how much we spend on disposable paper products.
Jack does carry an old-school cloth handkerchief around that I wash and iron every few days. I kinda love that. :)

[Rockinonahigh]

On the local news there was talk about whole foods chain opening hear.if they do I definitely will shop there,I hear it is better than most wherehouse chains,this is something to look forwards to.
We use to have a family owned produce store hear plus some on the side of the road stands as well,the main one closed and I haven''t seen any that have what I call good produce,we have a farmers market open in the festaval plaza down town but its closed at the moment.I really have near stopped buying produce at the grocery store cause it is a hit or miss to get quality fruits /veggies so whole foods shurly can do better.

[Kobi]

The library saves me money and a few trees too. Aside from actual books, they also have a downloadable e reader and a wide selection of books to download; dvd's; music cd's; newpapers from all over the USA, and a wide selection of magazines.

We can order stuff statewide, so there is a varied, and extensive collection of stuff to choose from.

Plus, they have free admission passes to statewide museums, aquariums, and other cultural events.

Good stuff.

[BestButchBoy]

Flying solo.

[Soft*Silver]

I am wondering if anyone else but I have gone grocery store dumpster diving. I did it before it was fashionable and it was a source of shame for me for many years.
When I was pregnant w my daughter I was forbidden by my husband to apply for welfare or food stamps. He worked at Taco Bell part time and I could not work because the pregnancy was a very stressful one. I would go to grocery stores and dig thru their dumpsters. I got veggies and some meats, some expired boxed goods, canned goods, etc. I would clean them and cut off all the wilted or bad parts and make soups and stews out of them to feed my pregnant body.

Now everyone seems to want to do it or think its great. I kinda laughed when i saw the first documentary about it. No more shame! LOL

[Rockinonahigh]

Today I hit a small jack pot at the grocery store,they had a bargain bin of veggies for $2.00 a bag of assorted produce.I got 4 bags of bell peppers,1 bag of onions then an assorted bag of cucks /zukini's (sp?).Some of the peppers I am going to pickle some i'm chopping with some onions and celery for seasoning so all I need to do is get some from the freezer when I need it,the zukes are going to be stuffed then indeviduly wrapped so if I want one to eat all I need to do is get one out of the freezer,my son wont eat one to save his life but I like them baked with tomato sause then topped with my choice of cheese,not a bad buy for the price.

[Rockinonahigh]

I am wondering if anyone else but I have gone grocery store dumpster diving. I did it before it was fashionable and it was a source of shame for me for many years.
When I was pregnant w my daughter I was forbidden by my husband to apply for welfare or food stamps. He worked at Taco Bell part time and I could not work because the pregnancy was a very stressful one. I would go to grocery stores and dig thru their dumpsters. I got veggies and some meats, some expired boxed goods, canned goods, etc. I would clean them and cut off all the wilted or bad parts and make soups and stews out of them to feed my pregnant body.

Now everyone seems to want to do it or think its great. I kinda laughed when i saw the first documentary about it. No more shame! LOL


This has become fashionably with the college kids hear,a spot on the local news showed the things they got that looked as fresh as in the store.I hope they are careful with the choices they have some things may look good but are on the edge of spoiling.

[Rockinonahigh]

At the store today they had paper towel's on sale a 12 pack for $3.98,this will last me a fairly long time,I mostly use them when I fry foods to help the drippings to soak up insted of uesing a cloth towel.

[Okiebug61]

At the store today they had paper towel's on sale a 12 pack for $3.98,this will last me a fairly long time,I mostly use them when I fry foods to help the drippings to soak up insted of uesing a cloth towel.


We buy our paper towels by the case. It seems to last forever. We are leaning towards going to cloth towels like others have mentioned. Atwoods sells flour sack towels that are great for every day use.

[GeorgiaMa'am]

We buy our paper towels by the case. It seems to last forever. We are leaning towards going to cloth towels like others have mentioned. Atwoods sells flour sack towels that are great for every day use.

I buy paper goods by the case too, when they're on sale. I'm a total cheapskate. I use cloth towels, too, but sometimes you just need a paper towel.

[Okiebug61]

I don't like admitting that this is part of getting older but the truth be it is. We very seldom go out to eat where we do not share an entrée. We are lucky to have a lot of great places to eat that do not charge a set up fee for sharing a meal. If we do order 2 entrees we usually bring half of each home and have it for dinner or lunch the next day. While eating out is expensive there are times when cooking is just not good or better yet be lazy for a night is more fun.

[girl_dee]

i reuse leftovers until they are all gone

fruit getting too ripe? throw them in the freezer for smoothies.

Throwing out food is something i cannot bring myself to do, i can always *recycle* it into something, lunch the next day or if possible work into my dogs dinner. Leftover potatoes go great in an omelet and i have no problem eating dinner for breakfast.

i despise using paper products, or anything *one use*.. i have a stack of cleaned out to go containers from food brought home and pass leftovers off in them to whomever. i reuse peanut butter jars and other things for storage or whatever, using them just one time makes no sense to me.

For me its not just about saving money but thats a big perk to being resourceful.

Before i buy anything i try to ask if i NEED it or if i just WANT it. Sometimes i do just want it, and that's ok, but i do check in with myself before i buy stuff.

Another tip? Stay out of places like Target and Wal Mart. They are an impulse store, everything you see you need. Stick to a list if you do go.

i needed milk so i stopped at Walgreens, $2.99 and i'm outta there. Can't do that at WalMart.

[TruTexan]

I usually cook all my meals and rarely eat out. I just can't afford it so I try like hell not to do it.
I eat leftovers for lunch or dinner the next day. I don't use a lot of paper towels since I don't fry anything hardly at all. I use cloth towels and wash them.
I buy meats in family packs and freeze them in freezer bags for my portions to cook with. It's cheaper by the pound that way.
When I get the sales papers I look through them and make a list of what's on sale that I need.
I rarely buy myself anything I want. I usually stick to my needs only.

I don't drive a lot during the month, so that saves me on gas money.
And I"m thinking of turning off my land line and internet next month to save up to get some things done I need done for me.

[Okiebug61]

I am really tired of the $90.00 monthly bill to watch only 8 channels. I am seriously thinking about ditching our service and trying a digital antenna.

I found this sight and it is a great resource.

http://www.antennaweb.org/default.aspx

Does anyone here have any insight they would like to share?

[ruffryder]

I buy paper goods by the case too, when they're on sale. I'm a total cheapskate. I use cloth towels, too, but sometimes you just need a paper towel.

Zimmeh needs paper towels too. My mom used to cut them in half. I do the same or just don't use them unless I'm eating something really messy. LOL I also stock up when I'm at a fast food place. I'll bring em home and use them. haha.

Toilet paper, Zimmeh has to have 2 ply so I am asinine when it comes to it and I'll buy based on the sq feet vs cost. Usually we go with Scott.

[~baby~doll~]

W/we are retired so we are not so much into saving as we were. What W/we have saved is now the household income.

What we used to do was deposit more than half of my income in a savings account. This was a must no matter what i earned. Extra's were expendable. W/we always eat the leftovers as well. No food goes to waste in O/our home.
Once the savings reached the level of a small short term CD we moved the funds and continued doing this. The CD's would get larger and the interest higher over the years.

[Rockinonahigh]

Speaking of toilet paper,I started buying it by the case,over all it cost less this way.How with only two people in his house do we manage to go through a 12 pack a week?If I didn't get it by the case I would be forever going to the store for T.P.

[Okiebug61]

Zimmeh needs paper towels too. My mom used to cut them in half. I do the same or just don't use them unless I'm eating something really messy. LOL I also stock up when I'm at a fast food place. I'll bring em home and use them. haha.

Toilet paper, Zimmeh has to have 2 ply so I am asinine when it comes to it and I'll buy based on the sq feet vs cost. Usually we go with Scott.

Funny you mention the sq feet vs cost. I use to have to battle this when I sold office supplies for a living. I had a customer that would have their price broken down to the number of sheets and try to make their purchases based on the number of sheets per employee. I learned more about TP than I ever wanted to know.

[Okiebug61]

I browsed through this web site and found some pretty cool tools. Let me know if anyone here uses them and give us some feed back.

http://americasaves.org/

[Kelt]

I have posted before about using Mint (www.mint.com) software for keeping track of things. This morning I tripped over a link from a couple of years ago that is still relevant giving some examples of how to use it and why. *Article* (http://lifehacker.com/5725282/how-to-create-and-stick-to-a-realistic-budget-with-mint)

It focuses on how to set up budgeting easily and some other tools. It is not complete, you can do a lot more with it or not, it's very flexible. Since this is the time of year for having a look at money in general and starting a new year, I thought it might be useful.

[puddin']

i'm jus' very conscientious about what i spend. i put a certain amount each fortnightly pay into me savin's account.

i buy most ever'thang on sale. i watch sale ads and buy accordingly.

when food staples are on sale, i stock up. (canned tomatoes, beans, pasta, etc.)

i buy/fill up on petrol when it's price lowers. (it fluctuates like mad here!)

i use vouchers ever'where!!

i re-use, recycle and re-purpose wherever i can.

[Paradox]

i'm jus' very conscientious about what i spend. i put a certain amount each fortnightly pay into me savin's account.


Exactly. Our society works on consumerism I try to be a critical consumer. Buy wisely. Best bang for the buck. And save. Pay my account first like a bill/ expense (whatever I can ) and then all else.

Strategizing, investing, saving , spending carefully - 80% of the time has helped me in many ways in the past.

Now I'm working on rebuilding, and restructuring.

[Rockinonahigh]

I am always cooking something Italian so sauce is a must hear,so instead of buying the caned stuff I made 15 qts. of sauce from scratch.Being I got a complete set of stock pots for Christmas now I can cook up large pots of whatever I wan't to freeze also I made near as much 15 bean soup for the freezer.Having the main part of most meals already made saves time especialy on my pool nights cause things can get in a rush that I can do with out.

[easygoingfemme]

I keep things pretty simple.
Food wise, I mostly eat what is in season, as it's a healthier way to eat and more affordable too. Non-perishables are stocked up on when on sale.

I used to use more cloth re-usable cleaning materials, but then my guy came along. He cleans all the time and uses a lot of paper towels. He buys them in bulk. Since he is cleaning my house, I don't complain about the disposable issue.

We don't have a television or cable or anything like that. Mini-netflix membership is all I spend on entertainment.

We go to the library at least once a week. Books, music, movies. Free so long as we turn them in on time!

My grocery store gives gas discounts for every $100 you spend, plus bonus items buy you more. I spend a fair amount on food since I buy for my house, plus cooking classes I teach. And I don't drive much at all. Really only one day a week when I have a 50 mile round trip. Everything else is really in a 10 mile radius. So I wait to fill up the tank after I have racked up a fair amount of discount on gas. If I have to put gas in without having reached a good discount, I just put in maybe $10 and that will last me a week usually. Then I go for more gas when I have more discounted.

My daughter has finally slowed down on growing, so I could buy her more new clothes without it being a big waste of money, but she still often prefers used clothing. We both have a pretty small wardrobe, neither of us spend too much time thinking about fashion. Still, when we need new things, we shop on sale.

I mostly pay cash for everything. It helps me stick to a budget better when I'm in a store- can't go beyond the cash I brought with me.

I do have to keep a landline and cell phone. Cell phone reception is very bad in my home area. I need the cell phone because I am self employed and like to not be stuck at home, and because I have a teenager roaming the world who I like to keep open communication with. I also have a business line in my home, but I was able to roll all of that into a small business package, so phones plus internet all rolled up weren't bad once i shopped around.

I clip coupons, especially those that are doubled at my market. I often save between $20-40 on shopping trips between sales and coupons. Earlier this month I saved $95 on a big shopping trip because I had some bonus 20% off my full order coupon plus a bunch of other supplemental coupons. So I made it a massive stock up trip.

[Okiebug61]

We have found a new way to save both time and money. We have a supermarket here called Sprouts. They have a wonderful assortment of daily made fresh meals that you simply pop in the microwave for 3mins and you are ready to enjoy. They range in cost from $2.99 to $4.99. What I like the most is I can have what I want and Red can have what she wants. Last night she had pot roast and mashed potatoes and I had pasta. No leftovers to clog up the fridge and forget to eat. I like it!

We still cook on the weekends but with her teaching schedule and my work schedule it is really hard to plan a weekday meal and have fun cooking when we get home. As we get older time seems to be more important than anything, so I am always looking for ways that save time and still fit into our budget. We average about 2-3 of the ready meals a week so the approximately $30.00 doesn't eat into what we normally spend on food.

Now I have a question for all of you parents out there who have teenage boys. We are taking our 2 15yr old nephews on a weeklong trip to Biloxi, MS for spring break. We are staying in a condo on the beach that is like an apartment so we can shop and cook meals there. My questions is how much money does one need to budget for 2 15yr old boys. I haven't a clue other than when they are at our home there seems to never be enough of anything.

[Rockinonahigh]

We have found a new way to save both time and money. We have a supermarket here called Sprouts. They have a wonderful assortment of daily made fresh meals that you simply pop in the microwave for 3mins and you are ready to enjoy. They range in cost from $2.99 to $4.99. What I like the most is I can have what I want and Red can have what she wants. Last night she had pot roast and mashed potatoes and I had pasta. No leftovers to clog up the fridge and forget to eat. I like it!

We still cook on the weekends but with her teaching schedule and my work schedule it is really hard to plan a weekday meal and have fun cooking when we get home. As we get older time seems to be more important than anything, so I am always looking for ways that save time and still fit into our budget. We average about 2-3 of the ready meals a week so the approximately $30.00 doesn't eat into what we normally spend on food.

Now I have a question for all of you parents out there who have teenage boys. We are taking our 2 15yr old nephews on a weeklong trip to Biloxi, MS for spring break. We are staying in a condo on the beach that is like an apartment so we can shop and cook meals there. My questions is how much money does one need to budget for 2 15yr old boys. I haven't a clue other than when they are at our home there seems to never be enough of anything.


I raised two son's no matter what they ate like there was no tomorrow,I mean they are bottomless pit's when it comes to food.Whatever you grocers list is double it,plus find what they like then try to make it healthy.I find snacks are the thing that are costly so if you can buy them somewhere in bulk would be eaysier on the pocket.Don't forget drinks,my kids drank enough Dr.Pepper to float a ship in so I started making ice tea a lot...but when my oldest would put near four tablespoons of sugar in one glass of tea I thought he was nuts so I got a good sugar alternative Then chips and dip or pizza bits or what have you ....omg! I should have bought stock in those companies I would be rich by now. Good luck in your quest to feed the never ending eating machines.

[Candelion]

Sometimes I will fly business class instead of taking my private jet. Only sometimes.

[Jar]

I have a supermarket here that has great sales every week and they're good about varying the products. I stock up on things on sale. If there's roast on sale I cook it and split it up into sandwich size meals for lunch and freeze them. Also do the same for dinner portions. I like to cook and it saves money doing it that way.

[Mopsie]

I am really tired of the $90.00 monthly bill to watch only 8 channels. I am seriously thinking about ditching our service and trying a digital antenna.

I found this sight and it is a great resource.

http://www.antennaweb.org/default.aspx

Does anyone here have any insight they would like to share?

I'm really curious about how these work. One of my friends mentioned it the other day and I am thinking of getting one. Did you get one? How is it?

[Okiebug61]

I'm really curious about how these work. One of my friends mentioned it the other day and I am thinking of getting one. Did you get one? How is it?

I will be having one installed early spring and will keep you updated!

[deathbypoem]

I had to BUMP this thread. Anything I can do to save a buck, you bet your ass I will do it!

Here are just a few ways that I enjoy saving money

Extreme Couponing
Repurposing leftovers
Making my own laundry detergent
Reviewing FREE products for Amazon
And NEVER paying full price for ANYTHING!

Need a tutorial? Feel free to hit me up!

[boioboi]

I cut my cell phone out of my life. I have GoogleVoice (which works only when I have WiFi, which is 85% of the time). Cut $120 off my budget per month.

[SirenManda]

Three things I've done to help control over spending:
1. Only eat out once a week, and make sure its not over $20.
2. Only buy what you NEED, never what you want. Anything over $50 needs to wait until it's on sale or if you can sell something to upgrade. (I do this with iPhones, I sell the last to upgrade to the newest. I've done it 4 years in a row).
3. Sit down and thing about whats important, buying to hoard things or having less that means more. I grew up with very limited funds, as an adult it's important to me I have a savings more than it is I have a bunch of crap I don't need.

This may help someone. :)

[Jesse]

Let's see, I cut my cable and replaced it with Hulu and later, a Roku. Now my bill is $7.99 monthly for tv.

I cut my cell phone bill to a flat $60 monthly by dropping Verizon and going to Metro PCS instead. With that I get unlimited everything and have no problems with calls being dropped etc.

I make my own laundry soap & liquid hand soap.

I drive a 15 year old truck, so no monthly payments.

I cook most of my meals rather than eating out a lot.

I quit smoking a few years back, which saves me a lot of money.

When shopping, if I find something that I use fairly often I try to buy when it's on sale and stock up then.

I filter my water rather than buying it in bottles. Granted, I pay $22 for a filter, but that gives me 535 gallons...maybe a little more.

I cut my hair rather than pay someone else to do it.

I also get fuel perks from my grocery store, so I try to wait until near the end of the month to fill up the tank on my truck.

There's more, but I am sleepy and need to think about this more. I did see a couple of good ideas on here I haven't tried yet. Good thread!

[Angeltoes]

Very slowly... I love Jesse's idea about making laundry soap. I would like to do that not only to save money, but also because I don't particularly feel like giving my money to the corporations who test on animals and exploit human beings.

It would be great to be a homesteader and learn how to live the zero waste lifestyle.

[Nattih]

- Cooking at home. Anything I have a taste for, I try to learn how to make.

- Amazon fire stick and hulu for entertainment. They have plenty of free shows and movies that come with my Amazon prime membership as well.

- Grandfathered into a family plan on sprint that leaves my portion of the bill at $35 a month for everything. Never leaving

- I put half of my pay in another account. I still use the account but I find without looking at it each day when I check at my balance, I tend to leave it alone.

- I used to purchase home decor, clothing, and toiletries that I didn't open or use. now if I dont use it within a month, its listed.

- All body and hair care is done at home.

- Being a minimalist has saved me a lot of money. I have a personal challenge to always be able to fit the entirety of my belongings inside of the 5x8 Uhaul (haha) cargo trailer, furniture included. If I am getting too "cluttered" I downsize.

- Hand washing. I hand wash my "nice" clothing and dry them on a rack to keep them nice.

[Kätzchen]

I've learned to live on what I earn, by spending my earnings in modest ways. I keep all my living expenses to a minimum and paid in full, on a monthly basis, which is super tricky if the power bill escalates during intermittent cold spells, but it's entirely something I've learned to monitor closely.

When it comes to grocery shopping, I limit my purchases to a monthly total of $300.00 (cash), because I shop for items that are fresh, local, and stay with foods that are healthy for my overall physical health.

As far as having extra money on hand (the savings acct), I bank at a Credit Union, taking advantage of special offerings like getting small personal loans, which I never spend. I just sink the entire loan into my savings account, never touch it, make the monthly payments for a year, earn a great credit rating for timely payments, collect dividend interest on the money sitting in my account, then do it again each year, etc. I have a nice nest egg to tap in case I ever need to use it. I love my credit union!

[Gayandgray]

I quit smoking, I try to buy the store brand instead of name brand on some stuff, we eat at home a lot more. I'm actually trying to come up with new ideas to save right now, rather than take on a part time job.

[Jar]

I have an online savings account and money is transferred automatically every payday from my checking. It's like money I never see. For splurge money I have a change jar that all my change goes into ...... It adds up

[Soon]

I have an online savings account and money is transferred automatically every payday from my checking.

Me too! In just a few years, I have managed to save quite a bit in my TFS (tax free savings account)! Best banking decision!

[cinnamongrrl]

I do some eco stuff that also equates to money saving.

I turn my heat down while I'm at work and when I go to bed. So really, there's only several hours that its turned up for

If I'm baking something in the oven I try to plan ahead of there's something I can cook ahead while the oven is hot. Like sweet potatoes. I won't turn on the oven just to bake one alone.
.I unplug any big plugs (cell phone, computer etc) when not in use. I also turn off the power strip that my TV is plugged into.

I shut off lights religiously. My gram had a lot to do with that
...it works. My electric bill before winter was always around $40.

My cell phone bill I cut from $50 to $40 by choosing a different plan. I could even go down to $30...but talk isn't unlimited.

I got rid of cable since its not only a money sucker but a time sucker. I'm reading a lot more now. But I do miss football :(

I used to always hang wash out, bit now that its winter I arrange a drying rack over a heating vent and my wash dries by morning. I figure what energy I do use should do double duty.

I got eco friendly bulbs in all my lamps and over heads. First thing I do when I move into a place actually....

I too filter my water. There's enough plastic in the world.

I always look for things on sale when I need them. Or free on Craigslist. Often just putting it into the universe yields you some good finds. That's how I got my composter.

I thrift shop for most things. Around here they support animal shelters and hospices. So my shopping dollars do good deeds too. And when I purge some stuff, they are the first ones I bring it to.

I'm thinking about asking my groomer to barter grooming for cleaning. Or making cookies for her clients. The four legged ones. Grooming costs a heap. My poodle needs it every few months...so. it would help. Bartering is a craigslist thing too. Never hurts to try.

[Jar]

I got rid of cable since its not only a money sucker but a time sucker. I'm reading a lot more now. But I do miss football :(

I got eco friendly bulbs in all my lamps and over heads

I too filter my water. There's enough plastic in the world.
I filter water too. Bottled water is a waste of money IMO. I have those Eco bulbs too and I'm looking into alternatives to cable. My mom has had me hooked on football the last couple years so I would miss that and the ID crime channel.

[Gayandgray]

Ya know, I been thinking about getting a clothes line! It would save a lot on using the darn dryer, especially in the summer.

[Orema]

I saved a lot of money last year by cooking and making almost all my own food. This year I've started making my own kale chips and have all the ingredients to make my first batch of laundry detergent. (Thanks to some tips from Jesse)

I also make my own bar soap sometimes.

I ditched cable years ago and just stream movies and tv shows with a media box.

I intentionally moved close to work to lower my carbon stamp and that saves money on transportation.

[Gayandgray]

Wow making home made laundry soap would be a great idea! I'm my local Walmart, a big container of Tide is almost $20!!!! And Gain is only a few bucks cheaper:koolaid:

[Orema]

Wow making home made laundry soap would be a great idea! I'm my local Walmart, a big container of Tide is almost $20!!!! And Gain is only a few bucks cheaper:koolaid:

I'm tellin' ya. Send me a PM if you want the recipe and I'll be happy to share it. It doesn't seem difficult and it's not nearly as complicated as making bar soap.

Jesse is the one who guided me on how to do it. I'll probably make my first batch in the next week or two.

[Gayandgray]

Oh cool! Let me know how it turns out!!!! I just may have to try it out.:koolaid:

[Jacie]

In my youth, I drank, smoked, did any drug offered me, and ran up credit cards in effort to drink, smoke, and do any drug offered me. Basically, I was always broke because I was an idiot. Not the best of money-saving strategies!

Now that I am a responsible sort, and make a pretty decent living, I do not deny myself the things I want. Of course, the essence of those things has drastically changed.

I suppose I save money by no longer drinking (well, now in moderation), smoking, and doing drugs. I also save money by not having a partner to lavish with tokens and gifts of admiration!

Being single is a pretty effective money-saving plan!

[homoe]

For sure being single saves a person some bucks:hangloose:

[Gayandgray]

I'm thinking about getting a small chest freezer to fill with meat when it goes on sale. I saw a small one at Lowes for under $200. But I don't know if it would fit in my small house? It would help save money though, when the sales are real good.

[grenade]

I'm an impulse shopper and I truly get a high from it. I guess I can say that I save money in other areas.

I quit getting my nails done and pedi's at the salon after I had a fungus dream and did some research. I went monthly at a minimum of 75 bucks.

Eating vegan saves quite a bit of money. Less options to eat out.

I don't smoke at all or drink very rarely. $1213563213466 savings.

Yeah...that's all I got.

[boioboi]

I rarely go out to eat, canceled our internet at home, volunteer at a local store to get 35% off our food, use eBates (it's an awesome site -- get money back for your purchases online -- see referal link below), and shop the sales. Oh, and buy clothes second hand.

http://www.ebates.com/rf.do?referrerid=KrnTwHLd5v3W8iWv7RqlrQ%3D%3D&eeid=28585

[Gayandgray]

Ok, so I'm seriously giving some thought to saving money so I can afford to cut back my hours at my fulltime job. Basically, work 4 days a week instead of 5. I'm going to get that chest freezer here soon, since I found a great new butcher shop that is very reasonably priced. That way I can stock up on meat much cheaper than grocery store meat, and better quality. I will still buy whole chickens at Redner's when they go on sale. We don't really go out to eat a whole lot, and I'm not into shopping for clothes and stuff like that. Comcast is expensive but there really aren't too many cheaper alternatives around here. If I could find a Summer job cleaning rental condos at the beach this Summer, I would use the extra cash to pay down my pet credit card. We had to run it up pretty high due to all four dogs having different ailments, surgeries, etc. :|:|:|

[Glenn]

How I cut back? I shop online for my fur-kids food at Chewy.com. Free delivery over 50.00 and the same price as the store. I buy for the month. It also saves on wear and tear on the car, since the pet food store with all the deals is far away. Always buy in bulk. Sometimes Sal army or Goodwill has good stuff you may need. I go to the Dollar Store for cheap soaps and other cleaning stuff. I SAVE ALMOST 100.00 PAYING CAR INSURANCE EVERY 6 MONTHS INSTEAD OF EVERY MONTH. I insulate every window and door top to bottom when it gets cold. Even the light switches! Food bill is only forty per week because I am single, but two can eat for almost the same amount. I get oatmeal and eggs in bulk for breakfast. Butter is almost never on sale though, as well as the real good breads. I don't buy loaves for over 1.50. Lunch is soup or sandwich. Progresso soup is ok when cans are on sale for 1.00. Buy them in bulk at that price! Grilled cheese sandwiches are a great money saver, also when fruits or veggies are on sale. I never buy when they are not. Also, I took the bus, until my butch bud sold me a great old Toyota cheap. I cut out internet and tv entirely. I do watch old movies on vcr. I buy them at the thrift store for 25 cents. I have free radio, and a Bearcat scanner. I visit this planet from my local library every week. I don't pay rent, because my job is to manage a B&B property. I really lucked out. I do pay for heat and phone. I am currently trying to cut the heat bill by trying to rig up a rocket stove via a pipe out a window :goodluck: There's a lot more I do to save money, but I can't think of them all right now.

[Glenn]

Ok, so I'm seriously giving some thought to saving money so I can afford to cut back my hours at my fulltime job. Basically, work 4 days a week instead of 5. I'm going to get that chest freezer here soon, since I found a great new butcher shop that is very reasonably priced. That way I can stock up on meat much cheaper than grocery store meat, and better quality. I will still buy whole chickens at Redner's when they go on sale. We don't really go out to eat a whole lot, and I'm not into shopping for clothes and stuff like that. Comcast is expensive but there really aren't too many cheaper alternatives around here. If I could find a Summer job cleaning rental condos at the beach this Summer, I would use the extra cash to pay down my pet credit card. We had to run it up pretty high due to all four dogs having different ailments, surgeries, etc. :|:|:|

Soo soory to hear about your poor furkids GG. There's no getting around the vet rip-off furkid's bills. I thought so much about that, and how unfair it is. I would go in debt also with cards for them. I would buy anything if they really needed care.

[Ascot]

I will readily admit that I am fairly lousy when it comes to saving money on my own. I've tried different things over the years without much success, so I finally bit the bullet and opened a Roth into which I funnel $500 a month. As things stand now, the maximum contribution allowed annually is $5000, so for two months I don't do that and put that money into what I have labeled my fun fund. I have taken to viewing my Roth as a lock box to which I don't have a key.

[Kelt]

I will readily admit that I am fairly lousy when it comes to saving money on my own. I've tried different things over the years without much success, so I finally bit the bullet and opened a Roth into which I funnel $500 a month. As things stand now, the maximum contribution allowed annually is $5000, so for two months I don't do that and put that money into what I have labeled my fun fund. I have taken to viewing my Roth as a lock box to which I don't have a key.

Hey Ascot, sounds like you're doing great. In 2015 it got bumped to $5500 and if you're over 50 (I have no idea how old you are) that goes to $6500. Viewing it as a lock box is smart.

My weak spot was in not taking advantage of opening an HSA/health savings account earlier. I'm starting this year, it maxes out at $3500 per year unless you are over 55 (which I will be this year), then it goes to $4500 so that I can "catch up" Oy! :seeingstars:

[Orema]

Oh cool! Let me know how it turns out!!!! I just may have to try it out.:koolaid:

It came out well. I got the ingredients from Home Depot, Walmart, and Amazon.com. Here's the recipe ...

==========Directions from kind Jesse======

Liquid Laundry Soap

• ¾ cup Castile Soap (You can use the peppermint, lavender, and citrus varieties even though in this case, the smell does not linger in your clothes)
• ½ cup Super Washing Soda
• ½ cup 20 Mule Team Borax OR substitute with Baking Soda (See below)
• ¼ cup of fine sea salt
• ½ cup of citric acid

Instructions
1. Take your two-gallon bucket and pour hot water in the bottom of it, about an inch high of water.
2. Add the dry powders (baking soda, super washing soda, borax (if using borax)
3. Add a little more water if necessary to cover the powders then take your hand mixer or immersion blender and blend the powders for a few minutes, or until it is fully blended and there are no clumps.
4. Fill your two-gallon bucket up almost all the way with unheated water.
5. Add the castile soap (this helps it not to bubble up), and stir with a long-handled spoon.
6. Using the funnel, pour into your containers.
7. Use 1/3 cup for regular to large loads, and a little extra for extra-large loads.

You can use baking soda in place of Borax because Borax can cause skin irritation & organ problems, and it is hard on clothing. I left it on there, so you can decide for yourself, which you prefer to use. Some people generally double this and make it in a 5-gallon bucket, so that you only have to make it every few months. The salt serves as a water softener, you can leave it out if you do not have hard water. Castile soap is available in a bar as well as liquid either is fine to use. Some prefer the bar because it is cheaper, even though it does require grating prior to making this recipe. This soap will look somewhat watery after sitting for a while. You can keep a ladle in or near the bucket for stirring it before use. It really is not as difficult to make as it may seem when reading these directions, and it does clean as well if not better than store bought top brands and for much less.

For softening, you can add ½ cup of plain white vinegar to the final rinse cycle instead of using dryer sheets, which have been linked to all sorts of fun illnesses.

For stain removal, peroxide and baking soda worked into a paste and rubbed into the fabric works pretty well.

=====Notes======

It was really easy and I'm glad I made it.

I used Baking Soda and kosher salt.

There aren't instructions on when to add the citric acid. I added all the powders at once—including the citric acid (last ingredient). The acid started bubbling. The soap hardened after it stopped bubbling and I just used the emulsion blender to break it up and it worked well. Next time I'll add the citric acid after blending the other powders, I think.

I also used pure liquid Castille soap (Dr. Bonnners). I don't want to spend time grating soap.

I made two gallons and it's plenty for me. I put it in two containers and I gently shake the container before using.

Next time I'll get a scent-free liquid Castille soap so that I can add my own essential oils.

I know how to make bar soap. Next I want to learn how to make liquid soap for the body and hair.

Good luck, Gayandgray. It's cheaper than store bought and it's easy to make.

And thanks, Jesse!

:pursebee:

[Gayandgray]

Well I don't have the chest freezer yet but the clothes line is finally being put up tomorrow morning!! That will save a lot on my dryer, especially when I wash the bed sheets and comforters. Our four dogs sleep with us, so I'm always having to wash bed linens and the comforters take forever to dry!! I'm really excited because tomorrow is my first day back to the dog kennel, which I'm going to use the extra paycheck toward paying off pet credit card, and when I get home around noonish there will be our new clothesline :hangloose:

[Jess]

stay single

:cigar2:

[Gemme]

I don't leave the house.

:rubberducky:

[Kelt]

The single biggest thing for me has been to figure out how to eliminate or reduce every expense I had that could be considered "reoccurring". Whether it be taxes, haircuts, housing, or electricity. They all add up over time.

[MysticOceansFL]

Pay bills on time

Pay bills off on car

Don't make huge spending from your wallet or credit make sure you live within your means of living even if your above middle class if you stick with a budget that you can live with do it. Just on special occasions treat yourself or you and spouse or girlfriend ( what ever the case might be in your present situation.)

[Gayandgray]

By using my clothesline instead of the dryer I save $50-60/month on the electric bill. They put in a new Dollar Tree in town where everything is $1, and I now do a lot of my grocery shopping there. I can get 18 eggs for a freaking dollar!! They have really good name brand stuff here and I save so much money compared to if I bought it at the grocery store. I borrowed from Glenn's idea and I'm eating a lot of grilled cheese and soup, which is cheap.

[femmeandstrong]

By not spending it lol

[legally_b10nde]

I could totally use lotta tips BfP members.... as for me, paying off car loans earlier helped, prepping meals/week and called credit card company and reduced my APR, helped.

[Lyte]

Butches sometimes need a lil retail therapy too. I save money by not removing the tags or removing it from the package. If it's not something I really really need... it goes back! :p

[Gayandgray]

BUMP!!!!!!!!!!!!!!

[easygoingfemme]

A few folks mentioned the back up freezer. I save so much money using mine. I buy a lot of things in bulk when they are on sale. I also try to buy my grains, beans, other non-perishables in bulk. Often my weekly grocery runs are fruits, veggies, and pet items because I stock up on everything else in big runs every few months.

I cook from scratch as much as I can, that saves a lot of money.

I use groupon type things sometimes for outings and trips- sometimes they end up saving a good chunk.

Try to pay cash for just about everything so I'm more mindful of how much I'm spending and it doesn't rack up CC interest.

[Chad]

I eat a lot of meat so when I find it on sale I buy it and freeze it. I also buy frozen veggies on sale and freeze them. I love fresh veggies but I only buy what I will eat that week.

I too pay cash at the grocery store.
I make all my food from scratch and that saves me a lot of money.

I plan my expenses each week and that helps a lot. I always put aside a little fun money but if I don't spend it then I am ahead of the game the next week. :)

Happy savings friends!

[homoe]

I stay single..........:giggle:

[Chad]

I stay single..........:giggle:

Haha! Yes, that works too.

[Soft*Silver]

I use almost no credit. Everything by cash. EVERYTHING.

I buy in resale stores

I sell in resale stores and use the money made there to buy in resale stores

I grow my own plants from seed instead of buying plants

I grow plants and thus, veggies, instead of buying them in the store. I also keep my gardening simple, and dont buy expensive gardening tools, etc.

I borrow what I can. I buy only quality when I do buy.

I do not buy in quantity. It goes bad in our house because we never get around to using it all. So we buy in moderate amounts of small amounts. Sounds backwards but its what works for our two person household.

I am buying a half a cow and half a pig this year from a farmer, at slaughter time and putting them in my freezer. I have had it for two years and never used it. We decided that was silly. (the freezer was given to us)

I got rid of cable. I refuse to pay $150 a month for the privilege of watching commercial laden shows. We have netflix, hulu and amazon plus. Still cheaper! (I also watch shows the day after, on imtv.cc)

I keep my car maintained so I have fewer repair bills. Once a car is paid off, I only keep liability on it. The money I save goes into a fund that goes for the next car, as a full payment or a down payment.

I live within my means. I overstetched myself at times and was miserable whenever I did so. I am much happier living carefully.

[homoe]

Whoever said "two can live as cheap as one" was a bold face liar!

[girl_dee]

I am getting my hair trimmed at the beauty school for $10.00!

I will let you know if this was a really bad idea. :rainbowAfro:

[blueblackbird]

When I go to Starbucks, I always just get tea. I don't need all the sugar in a latte anyway (although this is easy for me to say since I don't drink coffee.)

[Amulette]

It's fun to see how much we have in common when having to live on a budget. So many of us seem to have similar strategies.

I have a shopping triangle: Trader Joes, Sprouts and Costco. I have found I can get really good quality food at reasonable prices by being picky and price aware. Our Costco carries a lot of organic products. I love my freezer too.

I decided to try and redecorate my house via Craigslist. I've bought choice pieces and sold my old stuff. Just this week it all fell into place. I love Annie Sloan and her chalk paint. I buy for shape, design, and quality. And I actually love it if it needs some paint :) It's really easy to sell on Craigslist if you are reasonable about your pricing. I always screen people via a phone call, sometimes several. There are 2 major cities one to the North and one to the South of me. About a 200-mile drive either way and what an adventure to take a lovely drive and come home with furniture, meet new people lol it's an adventure. But at the end of the day, I have gotten the look I want and quality items that I could not afford otherwise. It's known that I am a decorating addict, please help me. Fortunately, I don't have to answer to anyone on that matter.

TIP: When wealthy people redecorate they often sell things cheap so they can get on with their projects. Act fast and bargain with them.

CL is a treasure hunt you never know what piece you will find at what time. Be patient when you want an item, it will come up.


I heard a saying in regards to organization and decluttering: Only save what you love. I tend to have a love of "SHINEY THINGS" especially if found on a treasure hunt like yard sales, Craigslist etc. Ohhh shiny thing, great price, and growing clutter. So I have been on an only save what I use and love binge. It has happened in layers, over a couple of years. I am finally down to what I really want and love. My house is easier to clean, and when I look around I smile because I really love what's left.

Love the laundry soap idea <3

[DapperButch]

Only order water in restaurants.

[Gemme]

Only order water in restaurants.

But not with lemon or lime wedges as most of them have fecal residue on them.

:blink:

[Kätzchen]

Me too, I live within the means of my earning power. I don't use credit cards at all, but swipe my credit union debit card or use cash for purchases.

I've been able to save money by upgrading all my appliances at home to energy saving appliances. Also, I qualified for energy credits via the power company, because I upgraded my appliances. I wish I could qualify for clean energy off the power grid, but because I live in an much older urban housing community, I won't be able to do that unless I buy my own property/home.

That's my dream, to own my own home. I started a savings account for funds to go toward that dream. I do that by contributing money that I save on my power bill. It's growing steadily because for years, before I bought my energy saving appliances, my power bill would notoriously sky rocket during late fall through late spring (a span of over 7-8 months).

This year, I want to have my sweetheart build a few things (little pet projects): I want to have more privacy by attaching lattice work to the patio balcony, so I can grow sun flowers and trumpet vines and trailing roses and English ivy. I've been keeping an eye out for an rather large patio umbrella, so I can stand it up inside a wooden picnic table, to provide coverage during times of rain.

I'm actually hoping to have a nice amount of cash equity set aside before I turn 60 (a couple of years from now), to help me purchase a small house, on a reasonable sized rural lot.

My car died during grad school, a number of years ago, so I don't miss the price of car insurance or weekly gasoline purchases or car maintenance expenditures. Bicycling gets me to where I need to go, plus it's a fabulous way to get exercise and decompress after a work day or just ride for fun and relaxation. The cost of upkeep on my bicycle is minimal, so I don't miss owning a car at all.

I cook all meals at home, which saves too. I like to go out for dinner or breakfast, maybe once or twice a year. I really like it that four times a year, certain groups of friends get together for potlucks or BBQ's. I always make something to take to these seasonal get-together's: by request, if it's something everyone would like to have again; or be creative and bring something that people don't always make at home but would enjoy eating.

I really want to grow my own vegetables and such but there's not enough space or room to do that, right now.

For the most part, I live modestly. My sweetheart does too. We're happy and it makes us feel good that our lifestyle choices and values match similarly.

[DapperButch]

But not with lemon or lime wedges as most of them have fecal residue on them.

:blink:

Exactly! (my mom told me this..)

[RockOn]

staying in the woods all weekend and not going into town to Home Depot, Lowe's or Sams Club


btw, you people are cracking me up in this thread tonight
:)

almost forgot ... had to come back and edit ...
staying away from Abercrombie &Fitch's online clearance sale

I ordered 2 of their guys shirt jackets around 5:00 a.m. today ... With the coupon code A & F supplied, they were down to right about $28.00 each... that was for the light brown one and the khaki colored one ... the other colors at that time in the morning were not marked down that much ... if anyone goes there, be sure and study the size and fit ... if it does not say"Classic Fit" then I go up a size from my norm

[WolfyOne]

This year I decided to put aside $5 a day from my job and so far, I've been able to do it. At the end of the year, I'll have saved a decent amount. My only dilemma is how often should I bank it.

And, I gave up my credit cards, only using cash and debit nowadays.

[JDeere]

I stay single..........:giggle:

HAHAHAHA yes this, very much this!

I still spend money but not as much as I did, when I was in a relationship,:mohawk:

[Shystonefem]

I put money away. I can be dead poor but I don't touch my savings. I am waiting for the housing market to crash again.

[Penelope]

By returning EVERYTHING I bought today! :blink: Nothing was quite right once I got home - not the dog beds, shower curtain or bath rug.

[Kätzchen]

I save money by not buying anything that is tagged with extra taxes or tariffs. I don’t know how long the American economy will survive once it’s irrevocably changed by our latest person occupying the WH.

I also stash cash, too. :rrose:

[GeorgiaMa'am]

By shopping for my pantry, not just for the week. At this time of year especially, I stock up on things that go on sale this time of year that I use all year. For example, Campbell's soups; they go on sale for 79 cents each instead of $1.99 or $2.09 each. Turkey is 39 cents a pound, and I will roast at least one and freeze the meat, and make stock from the carcass and freeze that too. Same with ham, I will freeze the meat left over from Thanksgiving and Christmas and make stock with the bones.

[easygoingfemme]

I set a budget at the beginning of this year to really dial in on the details. Every month was spelled out in advance with tweaking as needed. It really helped me save this year.

Also, meal planning. Dialing into sales. Cooking in bulk and preserving. Reusable cleaning supplies (cloths that can be cleaned and re-used for a long time) Growing vegetables and herbs. It helps that I can eat the same soup (or whatever) for days and not mind it at all.

The majority of my extracurricular activities are things like hiking, riding my bike, and other outside easy free things. I'll treat myself to concerts or shopping intentionally when it's planned for.

[Stone-Butch]

I buy only necessary things like food and rent. Of course at Xmas and birthdays that is impossible. Being selective on what you purchase is very important. Never give unless you are sure that person would like and want it. I also do not drink or smoke and that saves a ton of money. I eat out occasionally, less than in the summer. I order in only seldom as I buy the foods that I enjoy and make my own meals.