Living Well On A Budget: 30 Tips From Frugal People Who Have Mastered The Art Of Saving Money
Saving up money might seem easy in theory, but in practice, whenever you put aside a certain amount of money, all sorts of expenses tend to start coming your way. Be it the car making weird, expensive-sounding noises, the landlord increasing the rent, or the rising prices mercilessly serving hits to your wallet one after the other—there’s always something to spend money on.
That’s why it might be a good idea to always try to be frugal with money and save some for a rainy day. Redditors recently discussed tips for staying frugal after user ‘Rei_Slade’ shared their hopes of finding information that would be a game changer in the new year. Netizens covered everything from meal prepping to doing all your shopping in one designated day a week, and more, so scroll down to find their advice below and see if you can find something that might work for you, too.
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Don’t buy stuff u don’t need
I don't know why it's at #20. This should be much higher. Many people, myself included, could save a great deal of money by following this simple advice.
It's now, 12.02.24 Germany time 14.47 NUMMER 1 🎉🎉🎉😻 Extra Typ : sell some of your stuff. You have money at home. See Maria Kondo on Netflix and be minimalist. Also Netflix.
Load More Replies...Better still, don't but what you "need". Buy what you can afford. The only eal "needs" are food, air, and some minimal shelter from the environment. Everything else is some degree of luxury. Do you really need a new car, a big screen tv, the latest cell phone, etc? Will you literally die if you don't get these things? No. They're luxuries. If you can't afford them, don't buy them. You'll survive.
But my doctor just prescribed a ten day supply of an eyedrop that costs $650! I can't even afford things I do need. Thanks American pharmaceutic corporations.
how the hell do you not know you dont know that you need it until you realize that you nedd it? this is soo stupid!!
I really feel like I SHOULD be a a swirling HIPPO.. nt just angry.. but confused and angry
Load More Replies...Also, don't shop on-line late at night when you might be tired, drunk etc.
Yes, sometimes I will see something I might want and say to myself "Do I really need this and where will I put this plus how often will I use this." If my answer is no and I really don't have a place to put it and hardly will use it, I don't buy it.
This often requires some hard thinking. It it a need, or a want? Can you manage without it? Some parts of the SCAMPER acronym are helpful,: 1. Can you Substitute something else, for the desired thing? ex: homemade salad dressing vs. purchased 2. Can you Combine things on hand to make the desired thing? ex: homemade cleaning products 3. Can you Adapt something you have , to make the desired thing? ex: altering a clothing item Fun fact: other parts of SCAMPER are : Modify, Put to Other Use, Eliminate, and Reverse-engineer. The acronym is helpful in solving problems and making decisions.
surprise your self for a week , just one week keep a written list of every thing you buy , and how much it costs every single thing then ask your self , for each item ‘ did i really “ need “ it ‘ then , total the amount from items you honestly answered ‘ no ‘ yeah , you’ll be surprised
Don't go cheap on shoes you will be wearing often, and take better care of your teeth.
I thought these shoes hanging over a wire were going to recommend joining a drug gang to make some extra cash!
My dad used to say.."don't kick your shoes apart the minute you get them" that was his was of saying don't scuff your feet and walk properly.. I have shoes that are older than you! and they are perfect
I agree that shoes are definitely an investment. Most people don't think about how much damage you can do to your feet by wearing shoes that don't fit right, don't have the kind of arch support you need, or are not well-made.
'If it comes between you and the ground get the good one if you can' theory (bed, tires, shoes, etc.).
Once I find an affordable, comfortable, good pair of shoes (or any clothing) I buy many multiples of it onlinewhen the price is right. This way not only you save money, but you save time by not wasting time on shopping.
Glad to hear, I thought I was just being weird doing the same thing.
Nope...right there with you....I will buy nonperishables in bulk then just stuff them in my closet storage...My oddity is this: When I have break out a new (whatever) that I have stored, I will go to the store I bought it from to see how much the price has changed.
Load More Replies...I do this with my favourite type of trainers. I wait, like a sales ninja... and when it goes on sale, buy buy buy!!
I did the same for a long time with bras. I found a good basic t-shirt bra and bought it in several colors to replace the old stretchy bras. They withstand machine washing perfectly in the bag! My personal stock has run out and I'm afraid they won't be made anymore. I hate buying bras, just the thought of a fitting booth makes me sweat.
Not so good advice. with the heat during summer, all caoutchouc tend to break apart after one year just staying on a shelves (I'm in HK) So do not stock them, they will be destroyed even without wearing them.
ok that's not aa hack .. that is a lock on "this is me" double down mode.. meaningless really.. because that will change
I do this with bras (everything else, except undies, I buy second hand) because it is so hard to find ones that fit well and are not covered in lace etc. I recently had to label the inside of the fasteners with fabric paint with the size, to make it easier to tell them apart!
This sadly doesn't work. I had a pair of walking shoes that felt like I was wearing a pair of slippers. Bought another pair and they were awful Same make, size style etc but totally different.
I have learned to repair almost any home appliance. YouTube is a lifesaver and has literally saved me thousands of dollars. Furnace, AC, dishwasher, oven, washer, dryer, and sump pump — I have fixed them all.
Do not fix serious stuff on your furnace yourself. Seriously. So many things that can go wrong, and most of the times doing the job right requires some specialized equipment that you won't have available. In some countries furnaces are subject to yearly inspections, and repairs from unauthorized technicians may lead to a fail, and more expensive repairs needed.
Yes! That is the one thing I won’t touch. It’s not an appliance, it’s a complicated machine.
Load More Replies...If it involves a possibility of a significant or hidden water leakage or full electrical current, I leave it to the pros. Other than that, I usually take a shot at fixing it myself. If you get someone to change that 8 euro faucet seal, it becomes an 80 euro job.
Come to my house spend the weekend any time. I have 2 left hands, bed sense of orientation /instructions. And always get forniture for free that need montage and kids will help. 😅🐼
I have a Hyundai Accent that I have had for 14 years...when the fuel pump went out, I called the dealership to find out how much it would cost to repair/replace it...I was told ~$1200.I said, "F this" and went to the local auto parts store, bought a new one, watched a YouTube tutorial and fixed myself in less than 30 minutes. Total cost? Less than $200 for the fuel pump, and of course, my time...and the hardest part of it was getting the back seat out of the car....fuel pump is located inside the gas tank (which was plastic), right under the back seat...weird place to put a fuel pump, under the back seat...
Learn to cook legumes well. It’s much cheaper than eating meat all the time
As a Spaniard grown up eating lots of legumes (in their multiple varieties and cooking ways), it's rather a pleasure than any kind of frugal tip.
And soooooooooooooooo many people cannot eat legumes at all - with Millennials in Eu [after Chernobyl powerplant fck up] many of us have thyroid problems, and legumes are forbidden if you take hormonal meds, esp. thyroid hormones. just to give you an idea - around 30% of my generation has thyroid problems.
For those who can’t eat legumes there are other starches that will do just as well. Rice, quinoa, corn, potatoes and sweet potatoes off the top of my head. 🙂
Load More Replies...Poor Jon. Always has to be the life of the farty.
Load More Replies...I mainly eat veggie food and I reckon that I can feed myself on veggie food (not ready meals) for a week for the same amount that meat eaters spend on one meal.
Even if you can't cook them yourself, it is cheaper to buy a tin of cooked lentils or chickpeas than meat. I have to eat tinned chickpeas rather than cook them myself anyway, because of IBS. Also, keep the aqua faba (water from the tin of any legume) as an egg substitute (though if you also have IBS this might not be good for you either).
And if the beans are tough and won't soften during cooking, a little baking soda will soften them right up
Where I live meat is cheaper than fresh vegetables. Seems counter intuitive. Boneless chicken breast can be as little as $2/lb. Lettuce, peppers, asparagus etc costs more per pound. That's messed up. It's expensive to eat healthy.
Make use of your local public library - they have books, DVDs, video games, puzzles, etc - all of these things are free! They often have free programs you can attend as well - mine is hosting a free escape room this week. Some libraries also circulate unconventional things - mine has car check engine code readers, bubble kits, binoculars, telescopes, and a ton of other things!
I have a Koontz library book from 1998 that I keep out of guilt.
Load More Replies...Find out if your local library offers Kanopy for free movies. Then, find out if they have reciprocity with other areas, and get cards from them for a much wider selection of books on the Libby app and more Kanopy movies.
Where I used to live, they didn't care what your address was when you applied for a card. I was a member of three library networks (three different council areas) and one was fantastic for dvds, another had more nice books and another had fantastic online resources. Also helped when I was teaching preschool and wanted to find a specific picture book.
Load More Replies...IN my country you must give up one finger for each book..... and then register it.. and then write a report.. oh wait.... thats stupid
I have been using my public library for years...it is a great resource, And my local gives me a running total of how much I saved by not buying books, etc. at the local bookstore.
Ours has tools and a Vitamin D lamp you can rent on-site in the winter.
Some libraries are not so good. Armed with my list I tried and they had not one of the 45 books I wanted.
If possible, sign up for another one in your area. You can usually check the catalogue online beforehand too.
Load More Replies...I pay € 60 per year for my membership. Not expensive but definitely not free.
Wow! Every library in my state in Australia is free, I never even considered that could be different elsewhere.
Load More Replies...This tip is on almost every one of these "frugal" lists, and it always makes me sad. Our library is okay - the do a lot of great kids' programs - but none of the other stuff. They might have CD's and DVD's, but that's not for me. There are no tools, baking pans, puzzles, etc.
Make the suggestion!! Most libraries will buy at least a trial collection of whatever you are interested in. We want to know how to invest our money wisely!
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I base my grocery shopping list around what is on special each week.
This week it was whole chicken, baby potatoes, sweetcorn and some imperfectly-shaped but perfectly ripe tomatoes.
I combine these with items I have already stocked up on from our freezer, pantry, fridge and vegetable garden to form our meals for the week.
I did an inventory of my freezer and tape it to the door, I know at any given time what I have on hand. It makes meal planning so much more efficient.
Load More Replies...Before shopping what is on sale, it helps to review what is on hand. This saves buying unnecessary duplicates, and food waste.
That is the key thing my mum needs to learn! She finds things on clearance, and doesn't eat them in time before they go off, or buys multiple. Would also help if her husband checked the fridge before going to the shop!
Load More Replies...I wish to have the imagination cooking skills /experience to go free style like this. 🐼 You're welcome in my house any time #2
F**k you people make it hard.... suicide... you make it very hard you tax me
Woo HOW ORIGINAL!!!!!!!!!!! F*****G HELL!! I"da never though about that at all!! you are so F*****G smart!!!!!!!
Woo HOW ORIGINAL!!!!!!!!!!! F*****G HELL!! I"da never though about that at all!! you are so F*****G smart!!!!!!! blows my seal~~~
All of these are good ideas, but the best (and I mean absolute best) advice for being frugal is having or finding a partner who has the same financial goals. You simply cannot and will not be able to save and be frugal if your partner does not have the same mindset. My wife and I look at our budget radically - do we need every item? Do we really need a second car? Keep this in mind when you’re dating - good luck in the new year penny pinching friends 🙂
But FFS give each of you a small "discretionary" allowance in the budget, that you can spend however you like without spousal approval. Do not let frugality be an excuse to cut out all your small pleasures.
Trust me, you don't get a discretionary budget if your partner regularly overspends
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If you're thinking about buying a new appliance (like an air fryer or a slow cooker), check the local thrift stores and garage/yard sales first. You can sometimes pick up an expensive appliance for just a few dollars. "Used" often means they tried it once and didn't use it after that. I've gotten a brand-new air fryer still in the original box for $5.
Honestly, start by asking on your local Facebook group if anyone has one as an unwanted gift or otherwise gathering dust. People aren't always actively thinking of giving something away or for a nominal amount, but when they see your post it 'gives them permission' to admit they'll never use it because they can now pass it on and help someone else out.
The town I live in has a Lend a Hand FB page. Great way of re-using.
Load More Replies...This is so true. I wanted a one-gallon glass jug with a spigot to use for sun tea. Decided to try the thrift shop route before I purchased something online. Found exactly what I wanted at the second place I looked. It was $7.00 and I love it!
I scored a really good air fryer that someone had left in the stairwell of my apartment building. Looks good but I’ll still get it tested of course :)
https://www.freecycle.org/ is a wonderful resource and it's pretty much worldwide. Their mission is to keep useful items out of landfills. Membership & participation is free. As always safety is first and if possible when giving or receiving try to meet in a public place unless you're picking up a large appliance such as a freezer, washer/dryer etc.
Really enjoying/using/repurposing what you have is a satisfying alternative both to recreational shopping and to buying stuff in general. I've been focusing more on that this past year as I go through a frugal + declutter process, and it's honestly great.
I put stuff in my online cart then go back a few days later to see if I still need it or did I just want it.
I do that too! You get the high from shopping without spending any money. Also, companies will often send you a coupon if you leave things in your cart for awhile. That way if you do need it it costs less.
Load More Replies...One of the biggest things is stop recreational shopping. Shop when you need thing, not as a way to pass the time. When you go shopping, take a list.
I have plenty of bad habits, but recreational shopping is not one of them. I just never understood the appeal.
Load More Replies...I have a rule about "stuff" that goes like this: If I have not used an item in the last 6months, or if I don't plan on using it in the next 6 months, it gets donated...we have a wonderful resource in our apartment where you can leave stuff you don't need, or take something you see if you need it. I've gotten several nice pieces of furniture that way. The management only asks that if you donate, it must be in decently useable shape.
Spend a few dollars at the thrift store, or whatever store and buy some washcloths or rags for cleaning, spills, wiping your mouth, whatever. Stop buying paper towels. I have saved hundreds if not thousands of dollars at this point by literally just switching. You can also just cut up some old T-shirts or towels that you have as well. Better for the environment and better for your wallet.
The only paper napkins we have in the house from the kids birthday parties because it’s themed lol. And we do sometimes take napkins from fast food, restaurants, or to go places.
What about the extra cost of washing them all? Cheap paper towels aren’t that expensive and when my cat is sick I don’t want to scrap the sick off a cloth to then wash it? Also if they’re throwing them away, you shouldn’t put textiles in landfill.
Adding a few cloths to laundry you're already doing doesn't cost more. We use a few paper towels for really gross stuff and cloths, cloth napkins most of the time
Load More Replies...i buy a big bag of "bar back" clothes...they are inexpensive and sturdy i use them first in the kitchen, from there they move to general indoor cleaning, and then they move to the car and eventual death when they are see-through...i also bought cute but pretty plain cotton napkins on etsy for almost nothing...like the rags, they don't take up much room in the wash, so no extra laundry
Me too. I just bought 12 cloth napkins at a thrift store with no stains at a thrift store yesterday for $1.00. Yipee!
Load More Replies...I have stopped buying napkins and started buying paper towels exclusively...I have saved tons of money doing that, and besides napkins and paper towels are just that..paper...and they are both designed to wipe and clean things up.
At costco they have white shop towels in a pack of almost 60. super cheap. We use them instead. My mom has a kitchen towel section and a floor/pet cleanup. Then there are paper towels for things that you just don't want to handle. Home Depot has some, too, but they are smaller. Still wearing strong though.
We use paper napkins a lot because I cannot find napkin rings that match but also are different enough that we can remember whom every napkin belongs to (so that we don't have to wash them every day). It sounds like such a weird problem but I have really tried so hard over the years to find them and always come up empty! I probably need to make them myself somehow??
You could also stitch initials or a pattern (same for the same person each time) on the corner and forgo the rings at all.
Load More Replies...I remember years ago there was a commercial featuring a celebrity who was encouraging people to stop using paper towels and "use a rag". My first thought was that paper towels are made from trees which we can replenish by planting more but we can't create water for washing which also typically uses electricity (or maybe not, depending on your circumstances). Paper towels are biodegradable so that seems like the better option.
A lot of water is used growing the trees and processing them into paper towels too. Adding a couple of rags to a load you are already doing isn't really adding water.
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Watch who and what you follow on social. I unfollowed a lot of influencers who were over consuming. I love following the ones who teach you to shop your closet.
Many of the "influencers" are shills hired by marketing departments. YouTube is full of them.
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Only drink water. This saved me so much money
And get a water filter, or just drink tap water if you live in a place where it's safe. No need for all that plastic.
We used to use an under the sink two stage water filter that we had to change the filters every six months. This new house we had a whole house carbon filter installed. Only need to change the filter medium every two years. And all our bathing water and laundry water no longer has a chlorine odor. The room humidifier no longer has that brown mineral scum build up.
Load More Replies...Can't say I've ever met a single person in my 48 years on this planet that ONLY drinks water. I can understand the idea of not buying bottled water and instead either using a filter on your sink or a pitcher that has a filter, but the idea of drinking absolutely nothing but water sounds incredibly unsatisfying.
Absolutely! My grandma used to make awesome homemade ones and I just rediscovered how much fun (and how tasty) they can be.
Load More Replies...And stop buying water in bottles. So expensive and so bad for the planet.
I know water is good for you and yes I drink it, more so since getting a drink bottle qith a water filter built in as the water at work tastes terrible. But no way am I giving up my tea and coffee.
The biggest money-saving device I've ever bought is a refrigerator with water/ice in the door. Although I had these growing up, I always lived in crappy apartments as an adult and was buying tons of juice/sodas/etc. When I finally bought my own place, I got a refrigerator with the ice/water in the door and I have saved a ton of money and lost weight too. You don't realize what a hassle it is with ice cube trays until you have ice on demand.
Eat down your pantry and freezer. Most people would be SHOCKED at how many meals they really have just sort of sitting around. For example, I have broth in my freezer and red lentils in my cupboard. I can make a red lentil dish (lemony lentils) and it will make probably 6 servings - so a weekend lunch for us and then an easy-to-carry weekday lunch for a couple days. I have beans in my cupboard and frozen ground turkey. I need to get some fresh bell peppers and make a chili. I only like to have that for a couple meals and it makes a TON so I'll freeze several portions for a later date. I have steel cut oats, dried cranberries, and walnuts in the cupboard. I will make up a big batch of oatmeal for the week and just reheat it each morning in the microwave. I have broccoli that needs to be used up, eggs, shredded cheese (several varieties) - I'll be making a crustless quiche to have for a dinner and then two more breakfasts. I have some leftover cooked potatoes - I'll cut them up and air fry them with the chopped up tops of the bell peppers and a red onion to make Potatoes O'Brien to go with the quiche.
I also keep a "scraps" bag in the freezer - onion skins, tops, etc., carrot peels, celery tops, fennel bases and stems, etc. I toss in any herbs that are past prime. When I am ready I make broth with leftover bones (usually chicken but duck and turkey work well, too), all the scrap stuff, and then if I am short on anything (like onions, celery, etc.) I add that in as well. I make it all easy by using a Soup Sock, which is a piece of cheesecloth sewn into a bag shape. I toss the soup sock full of soup ingredients into my instant pot, cover with water, hit Soup and let it pressure cook for 120 minutes. When it is done (and cooled down) I pull out the soup sock, let it drain into a bowl, and I have about 20 cups of gorgeous, delicious, clean broth.
This is a frugal but not free tip: Support your frugal lifestyle with the right equipment and supplies. I just bought a wide-mouth thermos to bring hot meals to work. We use PackIt lunchbags that go right in the freezer and keep things cold until lunchtime. I have specific containers for salads that include a salad dressing container. And I use my label maker to label things for the freezer so they don't get lost or mis-identified (like the time I took out "chicken breast" to find it was actually pork tenderloin!).
Your foods can freezer burn so I vacuum seal everything going into my freezer to remove all the air to stop it and your food, especially meats will last so much longer without losing flavor. I cooked two steaks I sealed in 2021 and they were delicious.
Indeed. When I plan to freeze some meat, I directly ask the butcher to vacuum seal what I'm not going to cook within 1-2 days... And that made me remember that I have 2 frozen osso bucco... hmmmm...
Load More Replies...Shredded cheese is about twice the price of a block of cheese. Shred your own cheese if you want to save money.
And you can pre-shred & divide into portions. 8oz baggie for example. And keep a couple in the fridge & freeze the rest.
Load More Replies...I cannot upvote these tips enough. In the pandemic, I got started on Zero Waste Cooking techniques, which have saved money, reduced garbage, and increased health.
I borrowed a 'No waste kitchen' book from my mum and found I'm already doing most of the things in it! I did find a few things useful, like a recipe for strawberry top cordial. I work in childcare, so cut up a lot of fruit. I have to freeze the strawberry tops though, because I don't get through all the cordial before the next lot of fruit.
Load More Replies...I posted this somewhere else, but I did an inventory of my freezer and printed it out and taped it to the freezer door, so I know exactly what is in there and plan my shopping trips accordingly.
I have a bag that I bought to make oat milk, but it doesn't work. I wonder if I can use that as a soup sock!
I'm not sure what the added benefit of a soup sock is? Is it just so you don't have to strain the stock? I just chuck everything in the pot and at the end I ladle out the big bits, but don't fully strain it, as the small bits are fine in the soup as is (like the herbs). I know someone who uses whole fresh veg to make stock and then throws out the veg! When it is fresh, rather than just the veggie ends and peel, I would then keep it in the stock when I cook the soup.
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Everyone is going to after Christmas sales. I don't. We don't spend. That's the biggest thing. We don't need that stuff. Even if it's on sale. We're not missing out if we don't get the deal. In fact we're gaining. We're keeping our money so we can invest it into our retirement. There's no way in hell we want to depend solely on government social security.
This one is kind of smug and judgy. People do need to buy clothes, home goods, and electronics occasionally. Thrifting is great, but I'm not going to buy used sheets or towels or underwear. After Christmas sales are great for these things.
Interesting take. I read it as more of a "WE don't need the things from after Christmas sales", meaning they already have what they need, not that anyone else shouldn't use them if they need to.
Load More Replies...As I get older I wish I would have done the same thing. Word of advice to younger people, SAVE! Save for retirement because you end up a senior citizen with no retirement and it’s scary.
Timing is everything...know when linens are on sale and wait to replace worn out ones when the sale hits, for example! Retailers have predictable cycles...if your swimsuits are on their last legs, then look for clearance sales in the winter, right before the new stock comes out.!
Post Christmas sales are generally a fraud. Big stores mark up prices beforehand, and then advertise a "huge" discount for the sale. What a deception. Look out for sales throughout the year instead.
In Australia we used to have Boxing Day sales as our big one, but the US influence is so strong, most places also do 'Black Friday' sales too
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I've been really happy about buying returned items on Amazon. Earlier this year I got a nice coleman pop up cabin tent for $80, originally $200. And just ordered a vacuum for $48, originally $110. If it's only returned and not used, why the hell not?!?!
"Amazon Warehouse" for stuff sold by and returned to Amazon.
Load More Replies...True, but be aware of the risks involved. In my experience Amazon Warehouse deals often go wrong. Missing accessories are common. Sometimes there is damage from the previous user f*****g up at first use and returning the item instead of dealing with repairs. Didn't happen to me but I know a guy who got a robot vacuum cleaner who was much older and way more used than the one ordered (clear "bait and switch" return). Returns with Warehouse products are much more a PITA than buying straight from Amazon.
Someone tried to do that to me once! I loaned them my Nintendo 64 to see if theirs was working or if it was another problem, and they tried to return to me their broken one. I didn’t notice for a little while, but they saw me take photos of all the games and serial numbers so I didn’t forget what I had given them. I think an honest person would have asked how I realised it was the wrong one, but they never even questioned why I thought that and gave it back to me eventually.
Load More Replies...There are also amazing online auctions (in North America anyway) that sell a ton of things at incredible prices (no I'm not being compensated 😊). Hibid.com is where we go and you can search by postal/zip code and it tells you about any auctions in your area. We've gotten everything from a stick vacumn ($25) to dishwasher pods ($10 for about 250) to a pack of 25 Lindt chocolate Santas ($9). The auctioneers usually charge a 10 or 15% fee and you have to pick up what you buy but it's totally worth it.
I personally would avoid anything from Amazon, or Shein or Temu for that matter. Most things I can get at the op shop (thrift store) or direct from more ehical companies.
Budget -- you have to know where you money is going. And I mean like every dollar. Things add up.
I've instituted a system where I buy things on Wednesdays... for absolute emergencies (usually related to my 18m old) I will make an exception. But groceries, gas, Costco, even Amazon... all done on a Wednesday. If I think I need/want something I wait until the next Wednesday and by that point I usually don't need/want it anymore.
Don't go shopping without a list. Keep a list of foods in your freezer, if you can't see it you probably won't use it. Get better at having 1-2 frozen meals on hand.
We eat out once a week. That's it, no exceptions. Work lunches are packed, Coffee is made at home. If I don't want to cook... PB&J sandwiches are fine. I've gotten a lot better at making simple foods at home, it doesn't have to be fancy.
(Might be controversial) Pick a store and get really good at using their rewards system. I just don't have the time or energy to be going to a bunch of different places. We go to Safeway and Costco. Trader Joes maybe once a month for wine and snacks. I have had the Safeway App for years and at this point it gives me deals on stuff I buy. I know it is far from the "cheapest" but it's a clean store with a layout I am very familiar with and with the deals I feel like I get in striking distance of some of the cheaper places. I also haven't had less than a buck off gas in close to two years.
I'm a geek so I use that to my financial advantage. I have all of my banking on a spreadsheet and if I spend an extra $5 today, I know what it will do to all of my accounts in December.
i do a variation...i put thing in my online shopping cart and let it sit for a few days...i usually find out that i don't need most of the items be the time i get back to it
Here’s what I tell myself: Most people don’t throw their money away in huge chunks but at $1 here, $3 there, $5 here etc., Having that mindset helps me not to waste money on frivolous things bc it’s so easy to say it’s only a couple bucks
Don't nickel and dime yourself to death. I say that to myself each time I shop. Sometimes saving $ isn't worth it if you have to buy two and you barely need one. Yet, spending $$$ on something you may not need all the time might save money from have to buy more later. Rational you thoughts nd buying practices. Oh its just a bit more, but do you really need it? Will it be an advantage to you.
Check the markdown racks at your grocery. I find cheap cereal, bread and veggies that I can prep and freeze. Go early in the morning and meat going out of date that day is often marked down. Take it home, portion it out and freeze it.
Same with the end of the day at a market - fruit and veg will be sold off by the crate!
The meat usually gets marked down again in the afternoon of the sell by date. At my store, it’s 50% at 10 am and 75-90% at 3 pm. Every store is different, just ask your butcher as they’re generally glad to tell you.
“Unsubscribe and go outside” will be my 2024 mantra
At 15 below with a horse, “inside” is what my reptilian brain is screaming at me.
My 22-year-old horse went off his feed yesterday. I authorized the vet call. Got bill for $584 via internet later. I'm thinking I can no longer afford the horse, at 86 I don't ride much; but he is like family to me and I'm responsible.
Load More Replies...It depends a bit on what you do outside and what the seasons are like where you live. It's cold, snowy and icy slippery here in the winter, so for outdoor activities you need to have good shoes that are warm on the ice + separate removable spiked soles for particularly slippery weather. Jogging outside in the winter is also expensive when it comes to shoes. Slipping is not fun and you can break your bones, not to mention the other prices of outdoor clothing. Of course, taking care of your health through exercise pays off, but I was still quite shocked at how much running shoes cost even in outlet stores. Bad shoes cause nothing but pain and discomfort.
Canadian here, looking out my window at extremely icy street and sidewalks. Days like these are days for indoor Zumba and other workouts (many on YouTube) , or lots of cleaning activity, going up and down stairs.
Load More Replies...I did a LOT of unsubscribing in December. Extreme weather (and work) has kept me inside but I'm much happier with fewer subs that I really didn't need. Some I didn't want, srsly.
Unsubscribe? What do you mean? No more Netflix? You must be kidding.
Streaming platforms, magazine and newspaper subscriptions, websites that require memberships,...
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Reminder to call your Cable & Cellular provider to make sure you’re on the Best plan for your Budget.
This is so true. I have been on a pay as you use type plan for ten years or more. I don't live on my phone. Its for my convenience not anyone's elses. $100 I buy minutes, I don't use WiFi on it, I don't use the Bluetooth function. I text and talk. That $100 worth of minutes can last me close to 16-18 months. Stop living on your phones. Seriously you don't need to be reachable 24/7.
Really just live within your means.
Just $5 a day is $1,800 a year. S**t adds up real fast.
I cook nearly anything I eat and rarely eat out. Anything frozen I eat was probably on sale like lottza mottza pizzas or whatever are sometimes 2 for $10 or $12. Usually they’re $8-12 on their own.
I cook almost all my meals and have absolutely no issue eating the same thing 3 days in a row every meal if I cook a larger amount. I usually don’t break $5 a serving unless it’s nice steak or something.
Also a decent amount of the food I buy is because it’s on sale. Meat is so often on sale I’ll buy and and just freeze it. I usually have about 1 months worth of meat in the freezer and I’ll just largely focus on that till it’s gone.
As much as spending $20 on take out every dinner on a variety of foods would be nice and I could afford it, I prefer having a tuna steak and steamed Brussels sprouts for dinner for like $5 instead
I am completely shocked at these prices. Frozen pizza (the good kind) is not quite 4 € when NOT on sale here.
Yes. €3.89 for a frozen Buitoni pizza here (Spain). At the most expensive supermarket (El Corte Inglés), and they have a 3x2 promotion right now. Unfortunately, my wife is Italian and I'm not allowed to buy pizza at supermarkets.
Load More Replies...As I do have issue with eating the same thing 3 days in a row, we always go for 2 days for 2 person cooking and if there's still enough to make one lunch it goes nicely packed into freezer. Then when we have a busy day or two and we really don't feel like cooking we have something at the ready
My Lidl very regularly sells items like meat at 30% off because the expiration date is close. I buy it and freeze it in smaller portions. Sometimes, when they poorly planned and the items arrive at expiration day, the price is 1€. 1€ for a whole pork wheels, a chicken, a good steack... They do the same with vegetables and bread (1€ crates, I let them for people who need it more, you can see them in line every morning).
I’m learning how to do diy. You can learn almost anything on YouTube.
My husband just installed two new plugs in our house. This would have cost thousands.
I just remortared our patio so that it looks like new.
Its so satisfying to see your hard work!
Please be very, very careful with anything electrical. Replacing outlets is one thing, adding them is another level and anything further should be handled by an electrician. It's just too dangerous. YouTube is NOT a good enough teacher to stop you from electrocuting yourself.
Have you tried turning electricity off beforehand? But seriously, if you haven't done this before, the first video to watch would be on electric safety, also, ideally, if you know someone who is an electrician, ask them to double check. Otherwise, it is not rocket science.
Load More Replies...Before doing house modifications check you home owners insurance in great detail. See if you are covered for certain types of home owner self repairs. There are codes electricians have to abide by to keep your home safe. If you do a repair and it's not covered under your insurance policy, should something happen you're out the cost of major repairs and replacement. sometimes is safer and cheaper to hire a pro who's bonded so your insurance will cover heavy repairs. Plus...my dad tried to safe a few bucks by breaking up the old commodes and tossing into industrial trash bin. He ended up in severely hurting himself with a lengthy hospital stay, months of recovery, etc. To take compression to city dump $35, do it himself costs well over $75,000 on insurances. (I stopped adding up).
I do love this one. My dad and I learned how to replace an inside door handle on a car I used to have by watching a guy do it on YouTube! :)
Learn to repair or repurpose your clothing. I'm learning to patch jeans and free tshirts are sleep shirts then get turned into blankets when they're worn out.
Well... the entry-level sewing machine, then the more advanced sewing machine, and the overlock machine, a collection of scissors, rules, and lots of things that I have no idea what are made for... I'm not sure if my wife is saving money.
My sewing machine (a Bernina) is as old as I am, 60+ years old. I basically looked for one like my mother’s and got it as a trade in for a fraction of the price of a new one. Never needed any of the fancy stuff. 🙂
Load More Replies...Is it really worth it? Clothe quality today is so low that it may decay very soon even if you try to repair it. Sewing back buttons is fine, but global repair most often is not. As for shoes, I've learned that it will wear out no matter what you do. Repairing the heels of your boots? Sure, the inner soil breaks up, so does the zip. It's so sad, stuff used to last much longer.
Hence "don't buy cheap" My Pringle of Scotland sweater I purchased thrifting is probably over 40 years old. Still perfect shape.
Load More Replies...i love the japanese arts of repairing cloth (shasiko) and ceramics (kintsugi)...honor the usefulness of the object by repairing it in an attractive way that celebrates the imperfection
Same here. I will hand stitch up holes in clothes and can sew a button on.
Get a rice cooker. Get a slow cooker or pressure cooker. They will stop you from eating out purely because of their convenience
Rice cooker is good, but a steam cooker does the same job with rice, with the same quality, and also can be used to steam veggies, bread and other stuff.
It is easy to use a steamer insert in a regular pot to steam food. The best hard-cooked and poached eggs we have had are made by steaming.
Load More Replies...A slow cooker is a wonderful convenience. A rice cooker IMO is unnecessary; it is not hard to cook rice in a pot. Pressure cookers freak me out, with memories of beets exploding on the ceiling and down the kitchen wall (but that exciting episode was years ago).
Unless, of course, you have a tiny kitchen like many people do and don't have the counter space for multiple cooking appliances.
Me too, or microwave. I used to have a fast/slow cooker but the pressure valve always broke. Decided I didn't need an extra appliance taking up space anyway.
Load More Replies...I bought a rotating pizza oven. It does more than just pizza. I was heating up my oven to 350 to 400 just to heat up a couple of frozen garlic bread sticks for 5 minutes. It does just about all frozen snacks. It has paid for itself many times over. I def saw a reduction on my electric bill.
I have a microwave rice cooker that I also use to cook stews and soups in.
That is a stupid advice. I do only save money by eating less, this is more a diet advice. I still need the food, tho....
my biggest frugal "tip" is to learn to do with less. i know for me, it was so easy to grow accustomed to more and more things that aren't necessarty. frugal is a mindset and it starts with changing one's perspective.
Big factors in successful frugality are not getting caught up in competition with others , and not getting sucked into unnecessary trendy purchases.
If you love to be frugal you dont have to live with less. I love having lots of stuff around me, eclectic. Yet, I inherited it all. I love old things. What you do with you version of being frugal is more of making money work for you and not being enslaved by the "I wants, I needs, I have to have." of life. Your not doing without, you don't deny yourself special treats, you are just in better control of life and not letting life control you. Its a form of distressing.
Now that I am retired and even before that, as I accumulted stuff as I got older I found out I don't need a lot of stuff any more. I don't need the latest gadgets. Plus I not very good with modern technologies.
I am currently doing that. Any future furniture has be ones that can also be used to store small items in clear plastic boxes with lids.
1. Cut down my phone bill from 30$ to 15$ since we have wifi at work
2. Bought some coffee beans, kettle, grinder to use with my french press - reduce outside coffee consumption
3. Meal prep to the best of my abilities
4. Maintain my health- being sick is expensive
5. Eat out only once a week
6. Use credit card points when traveling
7. Really use up my face stuff before buying new ones
Eat out only once a week? We only do this like once a month at max!
Right! I’m surprised at how many people say once a week. We rarely eat out because paying those prices just annoys me, and I can do it at home for so much less and usually better too.
Load More Replies...Maybe this is richsplaining. I spend $3 a month for Skype. I don't drink coffee. I do meal prep - two meals a day only. My health at this point is out of my hands. I only eat out once a month and only if I can afford it. I only use my credit card for my internet bill and pay it off immediately. I don't travel. I don't use face stuff - who can afford it? I wonder how this person would tell me how to save money.
Okay, using wifi for your phone is cute, unless you're in an area where all the networks are password protected or unavailable, and then what's the point of a phone with no service? Being sick is occasionally unavoidable. Most of us are trying to get ourselves OUT of credit card debt and the coffee thing sounds like WAY more work than just brewing regular coffee at home.
That coffee thing *is* just brewing regular coffee at home. The French press is an inexpensive (mine was $30) way to make outstandingly excellent coffee. You do need the grinder, because pre-ground coffee is too finely ground for the French press. As I used to rationalize: When you amortize the equipment cost over a sufficiently large number of batches, the cost approaches zero.
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Join a local Buy Nothing group. Give and receive!
Explore your local library's website: there are likely many resources you never knew they offered.
Learn how to do tasks yourself and only hire out tasks you really can't do (I can't climb the ladder up to the roof so I got help).
You might have more stuff than you realize. One lent season, I gave up buying anything unless I was actually out of the product or food. This freaked people out when I mentioned it. Yes, I could buy fresh food as needed. I initially thought I would run out of lotion sometime during lent. Oh I was so wrong. It was nearly a year before I had used up all of the various lotions in my apartment. I also journaled about my thoughts on money, shopping, and buying things. At the time, I did this challenge because a friend had commented on how much time I spent shopping. I hadn't realized how much time I spent looking at stuff. I found this to be an incredibly healing and liberating practice.
Focus on your goals rather than what sales people and companies are trying to get you to focus on. You will be less distractible than if you let them tell you what you need.
It is more time-saving (and less frustrating) to buy a replacement product when you have started on the last bottle/container of the product. Where I live, winter weather and transport conditions often get in the way of shopping when "out of the product or food".
You can add a little water to things like laundry soap & shake it up a bit to get a tiny bit more of the product left on the inside of the container. It's there, so why not use it?
Load More Replies...To help yourself seriously clean and organize. If you can't see it or find it easily you are more apt to just buy because its easier. When things come into the house already know where its all going and get it there asap. I just bought an OTC med and Murphy's law...found a new box I didn't know I had. Bonus is now I don't have to purchase more for the rest of the year or longer. Sad part spending money on duplication when I could have used the money elsewhere or saved it for bit.
1. Eating cheap isn’t cheap. I only buy fresh fruits, veggies, and meat from upscale grocers for this reason.
2. Time is the most valuable resource you have. When I was growing up, my dad would spend hours clipping coupons and driving around to different stores to try to save a few bucks. When he was on his deathbed, he said he wished he would have spent all that time with his family instead.
I worked with someone that drove 60 miles roundtrip to save $1 per 12 pack of Pepsi. She bragged about her savings. She saved $2, but did not factor in her time and gas.
That reminds me of my grandma and her best friend driving around trying to find the cheapest gas. They would save 5¢,10¢ A gallon. Its was huge celebration if they saved more...they went out to eat. Lol.
Load More Replies...Caveat to that thing about only buying fresh fruit and veggies - eating healthy isn't cheap either and God forbid something is out of season or the store is having to import it from a different country than usual, that can drive the price up.
That's why being good at budgeting is important. Coupons just encourage you to spend.
Have a graduate to celebrate this spring? Wait til after NYD and buy all the 2024 plates and party decor while it’s stupid cheap and hold on to it until the party in May
If you see something you want but don’t need at this point in time, write it down onto a Christmas list. When people ask what to get for you, send them something on the list. I had so much on my list that I didn’t need at the moment but wanted. I put it all on my Christmas list and it worked out great because I didn’t have to tell my husband “I don’t know” when he asked me what I wanted. I also learned there were some things I had on the list that I didn’t want anymore, and was thankful I didn’t impulsively buy them and just waited. It’s important to NOT give in and buy it. Christmas comes fast every year. Edit: I know not everyone celebrates Christmas so this applies to any holiday/celebration where someone may want to buy you a gift.
I tell folks to take what they would have spent on me and donate it to the charity of their choice. Actually got one of my friends to do that, this past Christmas.
Making other people buy your staff is not exactly being frugal. It's just diverting the expending. But at least you receive something that you really wanted.
Split meals if eating out. They usually give you way too much food. For example me and the wife went to cracker barrel for breakfast. Grandma's pancake breakfast 2 pancakes, 2 eggs, sausage patty, piece of bacon, hunk of ham, serving of hashbrown casserole, biscuits and gravy $10.99 out the door
Let’s see… a few that I have found for myself, some of which are obvious to truly frugal people. (I’m just a dabbler, tbh):
-accept lower standards for things. For example, I don’t buy expensive haircare or skin care products anymore. I decided to use my way through all the old stuff I bought, even if it wasn’t my favorite. I take public transportation when I can afford to time-wise. Ask yourself: if I was absolutely skint, what is the absolute LEAST i would NEED? And then go up from there.
-choose a few functional items, and be strategically under-dressed. I work from home except 3 days a year. So I don’t own a lot of cute business clothes. Instead, I have a few boring clothes that fit me very well. For example, I have 1 silky button down in Navy. In the last few months, I wore that shirt on vacation, at my yearly business trip, for thanksgiving dinner, to church every other week, and for Christmas dinner. It’s not always the most perfect shirt for every occasion—I could have dressed more flashy for the business trip, could have worn a pretty dress for thanksgiving, and a different pretty dress at Christmas. But it IS good enough. I didn’t stand out at any of those occasions. And I saved probably a couple of hundred on very stylish wear-once outfits.
-use the library. And use other people’s libraries if necessary. Ask your grandparents if they use their library cards for the online stuff like Libby and Overdrive. No? Borrow that card number. I stayed at an airbnb where I got mail one summer. Got a library card there.
-don’t make dumb decisions like buying a car or housing you can’t afford. It’ll sink you. Saving money on big, regular costs (like a car or housing) will greatly affect your quality of life.
-if you’re a sucker for fast food, make sure that you have options at home that are easy and good. My go to is Trader Joe’s freezer section. At ANY time, I can have decent orange chicken, chicken teriyaki, Indian food, chicken wontons, or a variety of other options. Like, yes, they are more expensive than making them from scratch. But they are easy, fast, and delicious, and in the throes of my hungry cravings I will actually choose them.
-don’t buy impulse things at costco. Only buy items you wanted already, and actually want in that bulk. Same thing with sales. It’s not saving any money if you have to throw it away, or if you don’t use it. If I buy something on sale, it’s because I wanted it anyway and it solves a real problem that I have.
-don’t always say “no”—but ALWAYS say “can I buy this later?”. I find that procrastinating purchases reduces impulse purchases greatly. Also, taking your time helps me shop around and get the ONE item that actually solves the problem—and not end up with the graveyard of c**p that didn’t solve it.
-choose friends and a partner who have similar mindset to you regarding spending and saving. If you’re unsure how to find these people, engage in low cost activities (like volunteering) and you may find them there.
Saving money on hair care doesn't always come cheaper. I personally used SLS-free shampoo for a long time, which cost about 5-6€ and I bought a new bottle about every three months. I tried another brand that also does not contain sodium laureth sulfate. A bottle of the same size costs 9€ (from a chain store that sells by volume and thus cheaper) and lasts a good half a year. I wouldn't say it's a luxury product and what suits one person doesn't suit everyone, but cheap isn't always cheap.
Stopping dyeing my hair has saved me a shitton of money! And I actually prefer my natural tones over the artificial ones!
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It is worth buying your Paper Products in bulk from Sam’s or Costco (they go on sale)! Also for me, Tide laundry detergent is Worth it, just put a small amount in each load ( like a shot glass amount). Your clothes will get clean, stay fresh and will not wear out the fabric.
Batch cook (and freeze), buy second hand wherever possible, watch freecycle like a hawk and make your home cheap to run (insulation, solar power, save water etc).
The sad thing is that, as a renter, making your home cheap to run isn't easy. It also often requires significant initial outlays. We are not particularly wealthy but our biggest outgoings are our rent and energy bills. There's nothing we can do if our landlord doesn't want to insulate the attic. And we can't afford the solar panels we really, really want. We do save water, however. My best tip there is to have a few plastic jugs by the sink and fill them as you wait for your tap to run hot. This water is then used to water plants or fill the kettle/boil water on the hob. We save about 1000 litres (264 gallons) of water a year just by doing that alone. Shower to your favourite song and make sure you're out when it finishes. Buy a water-saving device for taps and showers.
Don’t use laundry soap pods. You can’t control how much you use. If you read the liquid detergent bottle you don’t need to fill up the whole cap. There is a line for the correct measurement inside the cap. Most people just fill up the cap all the way because they don’t know this information
I always use less detergent than recommended by the manufacturer because they give you the highest recommended dose. You can easily cut it by one third or even half if the laundry isn't smelly/dirty.
And if the item IS smelly, just add a little hydrogen peroxide and the smell is gone.
Load More Replies...Wool laundry dryer balls are cheaper and easier to use than laundry softener or dryer sheets...also better for the environment. If water is hard in your area, baking soda added to the washer load helps.
Yes. I never fill it to the full cap. Try to only to fill to the fill line. If I don't have a full load try to use a little less.
also not good for the laundry machine...same with dishwasher detergent pods.
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Intermittent fasting is probably my favorite diet tip. Combined with calorie counting it's WAY cheaper than buying specific foods.
For exercise I really like /r/bodyweightfitness and other sources for information, but basically if you work in some squats, planks, any type of functional movement it's really cheap and you don't have to deal with any embarrassment at the gym.
Gym membership is usually a Want and not a Need. With home items or inexpensive fitness tools, it is easy to work out at home.
Get rid of all those cyclical bills where possible. Make sure if you try something for "free" for a number of days , you cancel before they start billing you.
I never do this. I am afraid that I would forget than being charged for the service.
I have found that I can sign up for the free trial and then cancel right away and still have the free trial.
Cook at home as much as you can. Go out to restaurants you really like once a month. Prepare to be disappointed sometimes. Thrift stores aren't always cheaper. You will get good finds sometimes, but their prices aren't always the best. And no matter what, do the best you can. If people here don't agree with you, move on. You do the best you can and what you think is best. Happy New Year to everyone. Do the best you can!
Never buy treats full price.
Obviously the most frugal thing to do is not to eat out at all, but if you want to incorporate the occasional treat into your lifestyle - date night, etc - just don't do it full price. Use the Entertainment Book, go to Ben and Jerry's free cone day, get the birthday club freebies on your birthday, use fast food app discounts. Our local burger place has a two-for-one special that comes up every six weeks or so. We don't always use it, but now that we know it exists, paying full price seems so obnoxious that we never do!
Find your cheapest grocery store. A couple of weeks ago I made a list of 10 or 12 things that I buy regularly. One week I bought them at Safeway, and the next week I bought them at Foods Co, here in San Francisco. Foods go one hands-down. For example the Campbell’s chunky soup that I bought even though it wasn’t on sale at Foods Co was $.75 cheaper given that it’s something I buy frequently $.75 is significant.
The cheapest on regular items (think Lidl) isn't cheaper on brands, treats, and so on (Carrefour is often cheaper and does more specials). I live next to both and I check regularly the prices, so I know where to buy which item.
Go early to Kroger. Around 9 or 10 AM. Go to the produce and meat section and hit up all of their marked down items. Freeze what you can’t use that day. Life saver.
Be vegan. Meat and dairy are expensive.
I'm sorry, but have you seen the prices for vegan meat replacements? Here in Belgium, you pay at least as much as meat.
You don't need to eat meat replacements. Buy whole foods.
Load More Replies...I gotta have my cheese! Have cut down on meat consumption though 🙂
I am trying to do the same. Just cutting down on animal products in general. I don't think I could become fully vegan, but I think if we all cut down a bit, it would be great for the environment (which is my main motivation, but also cows are so cute).
Load More Replies...Some of the replacement products are also very expensive, so it won't always be cheaper. At least vegan cheeses should be removed from the shopping cart, some yogurts are significantly more expensive than milk versions, as well as ready-made products that imitate meat. So it will be cheaper to do everything yourself, but electricity is not free. Beans, textured dry groats or strips such as soy, pea or broad bean are part of a thrifty vegetarian's purchases. Cooking dried soybeans at home takes a lot of time and electricity, not to mention making it into tofu myself, so I buy my tofu ready-made. Some will be cheaper, like making a vegan cream cheese spread if you have time.
Yogurt in a paper coffee filter, with the liquid drained by placing the filter in a strainer/sieve, makes a good cream cheese substitute.
Load More Replies...I have a box of mints (or something alike you can suck on some time) in my car. I take one before entering the store for shopping. Having candy in your mouth suppresses the urge to get cookies, candy, chips, chocklad etc etc etc. You are already eating something. Simple, cheap and it works (for me that is)
Best method I can think of is pay cash for everything ( I'm in Australia ) . To actually SEE the real money leaving your pocket is a powerful psychological tool not to waste it. It's too easy to tap a credit card and not think too much about how much you've spent. Cash payment also avoids those damn bank fees associated with a credit card transaction ... what a rip off.
I have a box of mints (or something alike you can suck on some time) in my car. I take one before entering the store for shopping. Having candy in your mouth suppresses the urge to get cookies, candy, chips, chocklad etc etc etc. You are already eating something. Simple, cheap and it works (for me that is)
Best method I can think of is pay cash for everything ( I'm in Australia ) . To actually SEE the real money leaving your pocket is a powerful psychological tool not to waste it. It's too easy to tap a credit card and not think too much about how much you've spent. Cash payment also avoids those damn bank fees associated with a credit card transaction ... what a rip off.

