30 Clever Money Saving Hacks That People Tend To Overlook, As Shared By Folks Online
With the cost of living rising, people are looking for simple ways to save money. According to a survey by Forbes Advisor, 46% of Americans expect to save more in 2024 than they did in 2023. Gen Z is primarily saving for a car, Millennials and Gen X for an emergency fund, and Baby Boomers say they're focused on retirement savings.
If you're looking into how to start saving more, Pandas, we've got some tips for you right here. We've compiled people's advice from two threads online, where they shared simple but efficient ways to be more frugal. Who knows, maybe you'll learn something new? And if you know any clever ways to save money, share them with us in the comments. Sharing is caring!
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This will get lost but hopefully it will help the one person who reads to the bottom:
Carry with you the knowledge that your parents and grandparents didn't magically start out with a house full of bathrooms, stainless appliances, multiple TV's and other electronics. Granite.
Its OK to not have everything, to accumulate your stuff over time.
Don't get suckered in by the lifestyle TV shows or articles online or from your peer group.
Its OK and financially responsible to defer gratification...it will come.
This is a big one. I've often seen young married couples who want everything their parents have, but they want it right now, not after working for 30 or 40 years, and if someone will loan them the money they'll get it.
My husband left me 6 weeks ago. I was very lucky to find an affordable apartment and a lot of furniture and electronicsfor 150 bucks from the previous tenant. They may not be my dream furniture but I it's a very nice start
It's not the things that bring happiness. Here's a chance to take steps in different directions! I know, I did it too, and I'm amazed at how the biggest pile of dung was so nice when I got thru it. Good luck 🤞
Load More Replies...After the war, my folks and 2 babies lived in a tiny apartment. Then they got lucky and lived in a veteran's quonset hut settlement. They got a small pre fab house in a new suburb 8 years after they married . Never had 2 cars.
Younger generations are lucky if they can pay rent. We aren't out here crying because we can't get a two car garage. Starter homes are harder than ever to get.
And not everything in your house has to be new and glossy. There's no shame in buying second hand furniture and appliances. When I left my ex-husband, literally all I had were the clothes I stood up in and an empty house. Until I got back on my feet again I begged and borrowed and shopped at charity shops, second hand shops and jumble sales. I was grateful for anything I could get.
Lol come on, do you think mellenials and Gan Z will EVER be able to live the luxury boomers do? Think again.
There's someone on tiktok I follow that has really put time & effort into decorating their house & making it something they take pride in. When I asked how long it took to get it that way, they said SIX YEARS. It's hard to understand that it's going to take years, not months or weeks. "I want my house to look like this NOW!"
My dad gave me this exact advice. He said “don’t try to start where we ended up.”
On every payday, I move half of what I had leftover from last pay period over into my savings account. (Paying yourself). Sometimes it's not a lot but it has added up quickly. I also add 5$ to each of my kids savings accounts every payday. They each have over $1,000 and my personal savings has just reached 5 figures. As a single mom, who has always lived paycheck to paycheck, I have surprised myself.
left over money from a last pay period?! ahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahahaha
I never use one dollar bills. Every time I get a one dollar bill, I drop in in a shoe box in my closet. When the shoe box gets full, I take the ones to the bank and deposit them into my savings account. Usually collect a couple of hundred every two months or so.
Ivdo the same with 5 dollar bills. Don't get them as often, but usually get around $600 a year doing that.
Load More Replies...I do the opposite. Every payday, i put half in savings. And if needed, i draw little at the time if i dont make it by end of the month. More challenging mentally to draw from your savings than spending from your account.
That argues that you make enough to be able to put half your pay into savings
Load More Replies...I put something even if it's $2.00 in savings each week. Every little bit helps to grow it.
My "left over money" is negative, and my savings non-existent, so this isn't possible...
I have no credit cards, so for me that's like "uhhmmm... what are you talking about?" I simply let on my bank account connected with my debit card, monthly 500 euros from my every salary I got. So, yes there is a 5 digit number on my bank account, but that's my only account -no extra credit, no extra saving account, nada ....
Whenever you feel the urge to buy a non necessity, give yourself a couple of days before you buy it. Often times, the impulse will have passed and you'll be glad to still have the money.
Days pass and i spent the money on food anyway.. and still need a pair of shoes that which prize had risen...
If you NEED the pair of shoes then it's a necessity so this wouldn't apply.
Load More Replies...And risk the item being sold out? Most returns these days are very quick and easy. Thats an option.
unless it's a limited edition or limited stock, it will come back into stock.
Load More Replies...If you have an urge to buy, then visit the grocery store, and you can satisfy the urge by buying useful items and groceries. The urge is to spend money, not on any extravaganza or unrealistic thing.
Also, look at reviews online. Saved myself $70 dollars today on an impulse buy, and $35 if I ever do buy it. Also, I save links to things I might buy, so I have a wish list which I rarely remember to check.
I did this with a purple patterned long sleeve shirt many years ago. I saw it while walking through a shopping mall, and really wanted it but went for a stroll around the mall to let myself "cool off." When I returned to the store, I still wanted that shirt, so I bought it. I wore it a lot.
Rice. That son of a b***h goes with everything.
Even rice.
When I was unemployed, rice really was a savior. I would eat it with just salt and pepper and I felt like I wasn't really not eating well.
cook your rice with a bouillon cube or some garlic or something. right in the pot or the rice cooker. costs a few cents more but makes a world of difference on feeling like it's a satisfying meal when your rice is "fancy"
We do this too when we wanna chnage up rice flavors
Load More Replies...Capitalism: "under socialism you can't buy food you like and have to eat the same thing every day" Also capitalism : "here is your rice on rice, don't worry we just invaded Nicaragua you'll have a banana too"
Communism; wait in line for bread all day. Also communism; Oh, we're out of bread. tough luck, come back tomorrow.
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- If you are a student - Learn to cook.
- If you are working - Bring lunch to work every day. You'll save a lot of money.
- When you go shopping, especially grocery shopping: make a list and stick to it. And never grocery shop on an empty stomach. Or after a busy day or week. You'll be more inclined to buy bad food and make poorer purchasing decisions
People waste a ton of money ordering food and prepared stuff. Just look up some tutorials and save some real money.
As a student with little to no resources, I discovered frozen veggies. Cheap and nutritious, you only need a pan and some salt, and here's your meal. Life savers.
I use a cup of cooked pasta (also super cheap), a package of frozen mixed veggies, and a little melted butter and parmesan cheese for a quick and easy pasta primavera.
Load More Replies...If you are a student - Learn to cook. If you are not a student - Learn to cook.
And if you're a cook at certain restaurants I could name - Learn to cook.
Load More Replies...Learn to cook period. Homemade is so much cheaper than takeout. And usually tastes better too. If you use your fridge and freezer to store a lot of prepared ingredients, it doesn’t even take that long
If you are good about making a shopping list, and sticking to it, then it's okay to go shopping after a long day, and just before dinner - as long as one of the items on your list is a quick and simple meal. I will often buy somethings that can be put straight into the oven, and whilst it's cooking, I unpack and put away all of the shopping.
don't just make a list - make the list in the order in which you go through the store. backtracking for things you missed two aisles back gives you more opportunity to impulse buy. and 100% on not shopping hungry. it's a surefire way to overpurchase
I do this for my husband and i. Easier simple. I still get distracted tho. Him too. Adhd.
Load More Replies...I have a cousin that says it's cheaper for 2 people to eat out than it is to cook at home. I completely disagree, my son wanted to go out a couple of weeks ago and we went to Ruby Tuesday's. He got an appetizer and with the tip it was over $60. We both brought our leftovers home but you can cook a lot of food for $60. A few weeks ago I got T-Bones on sale that was cheaper than 1 plate that we had eating out. Do I get tired of cooking, absolutely but we usually make batches of chicken or pork chops. Last weekend I made a big pot of spaghetti sauce because I had foot surgery last Thursday and wouldn't be able to do a lot ot standing to cook. I put the sauce in containers and froze it. My son made chicken parmesan Friday that we finished tonight. I have a 12 quart stock pot that I made the sauce in, it was almost full. The meat, different flavors and brands of sauce, pasta and boneless chicken was about $70 at Aldi.
I think your cousin is silly. When you cook at home the cost is for the ingredients. When you eat out the cost is for the ingredients, the work of the cook and the work of the server, and the rent that the restaurant pays to stay where it is.
Load More Replies...In 40 years of work, I have "brown bagged" it most of the time. Empty plastic bottles? I fill 2 of them with tea, freeze one, then my sandwich or salad stays refriged for my lunch.
This is why I buy just about everything I need or want to have on sale nowadays!
A trick that always works for me is to think about how many hours wages I am spending on something. As someone who previously had a huge spending problem, this has helped me realise that I've worked hard for my money, and I'd rather be working my a*s off for a stress free life financially than living pay day to pay day buying meaningless s**t.
Only works if you get enough money left after necessities like food and rent. Somehow i never have anything left... Nor even for shoes
Be sure and use after tax hours. Making $100/hour but only see $50/hour after taxes? That new $20000 boat is 400 hours of time, not 200!
Agreed. I'll ask myself "is this worth an hour (or x hours) of my work?" Sometimes it is and, more often than not, I think "he!! no it ain't!"
Make as much food as you can. Buying lunch every day at work adds up.
Yeah, nah. I'll just make my one cup noodle at a time, thank you very much. Only a schmuck prepares cup noodles in advance.
If you were doing spaghetti then you'd have 5 meals from one pot, even if you try to cook less
Load More Replies...hah amateur still making lunch...I can survive on just one meal for the rest of my life!
Working from home now, but, when I was working in the office, I brought lunch to work almost every single day. Plus, I had these tuna salads in cans that I could eat if I didn't bring lunch or if I didn't want what I had brought. So, every day, I'm having a $3.00 meal, while about half of my coworkers are spending between $10 and $15 on lunch every single day.
Same, I remember several of my coworkers getting takeout almost every day. I loved a nice sandwich from home or leftover hamburger helper. My special treat was a "$5.00 footlong" that lasted two days.
Load More Replies...When I was working, I’d make a Crockpot of soup on Sunday, take it to work every day in a Corning Ware soup mug. I didn’t mind having the same thing for lunch every day for a week and I saved a ton of money. And I had some very good soups!
I could live on soup for lunch! Likewise, I'd do a vegetable soup or a chicken noodle / rice or a bean / lentil in a crock pot. Store it in portioned containers and grab one per day. Hell, I'd even freeze some.
Load More Replies...On this point, a lot of items can't (or at the very least SHOULDN'T) be prepared in advance. Biggest benefit to those items is that they take very little time and effort, not to mention very few additional ingredients, to have a full meal that's (relatively) cheap, fast, and easy. That said, certain of those same items, if prepared in specific ways, can be stored in the fridge overnight for either lunch or dinner the next day (I'm specifically talking about ramen noodle blocks here, but there are definitely others)
Alright but most people who need to live frugal don’t order their meals in the first place. BTW bringing your own meal can be a problem for some, if you go through public transport and need to bring along professional equipment, this makes even more to carry.
I bring my own meal since 20 years and more and always used the public transport... What do you mean is the problem there? I'm curious
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Counterintuitive but buy the best you can afford and take good care of your stuff. Since you know you have the best you can afford you don't have the constant itch to replace and upgrade.
For example, buy quality clothes, get them tailored so that they fit (no stretching to wear them out) and then clean them correctly. Rather then constantly buying/replacing cheap stuff keep good stuff long-term. Same thing with cars, appliances, etc.
Good quality has higher upfront costs but can have long term savings.
Shoes! 2 pair of quality shoes worn alternate days will last 3 times as long as one worn daily. Of course, Capt. Vimes boot theory comes in to play.
A cheaper workaround this one is: buy quality, but secondhand. That way you'll have items that last a life-time for a fraction of the price of a s****y new one
Sounds nice, doesn’t always work: even famous brands no longer sell quality stuff. I try to keep what I have in good shape, but clearly the quality is getting lower every year. So this piece of advice worked maybe 20 years ago but no longer today.
Quality stuff is still available, but you have to do your homework. For example, Doc Martens moved their production from Germany to Asia and the quality dropped markedly, but the original factory is still producing boots to the original standards.
Load More Replies...This is how people with money can afford to spend less in the long run. But it's advice for the affluent. You can't buy an appliance that'll last 15 years instead of 3 if it costs a month's income and you live paycheck to paycheck; you have to get the cheapest you can even if you know it's a bad decision.
I get this, but it really depends. A lot of times, buying a cheaper option works just fine, even in the long run. If 80% of the time you're fine with the cheaper option and the remainder you have to re buy, the math gets a lot trickier. Especially when it turns out you wouldn't have known the right requirements for your purchase on your first go at it
I'll do ya one better. Buy cheap and then keep them forever. Granted, you'll look homeless most of the time, but with the economy going the way it is, just call it a dress rehearsal for the inevitable! Win, win!
I pay with credit card for everything I buy. I get points from my credit card. I pay off my credit card in full each month and there are no fees for the card. Essentially MasterCard pays me several hundred dollars a year for using their card
If you are actually good with money and credit
Rule of thumb. If you're doing well enough financially to not actually need a credit card, it may be safe to use one. It's people who really need credit cards who are the ones who should avoid using them.
We're all getting fleeced by higher prices at retail to cover the credit card fees for those rewards programs, but you not getting those rewards won't fix the system
Everybody not getting those rewards might, but it's the prisoners dilemma.
Load More Replies...False. Mastercard gets that money from whoever you are paying in swipe fees, and you can guess they are passing that cost on to you somehow. At best you are being partially subsidized by those who don't use credit. If everybody uses credit, there is nobody to subsidize you so prices go up accordingly. In the mean time Mastercard keeps a bit of those swipe fees so everybody is poorer off by that amount.
Work hard at paying off your credit card and then put them away. The fees/interest you will save is money back in your pocket. Don't get suckered in by points and cash back. It is a way to distract you from the high interest rate. Get a card that has a low or no transfer charge with 0% interest for 2 years, move your balances over and pay it off. American Depress, Master Debt, Capital None, Sleeza, and others want you to stay in the hole so they can make money.
I never owned a credit card ever. Which means I never had to pay for any debt, because everything was already paid when I bought it.
or best get a credit card only if you know you can pay the bill off and it is useful for you on a larger scale
That's not how it works. If you overpay or have a credit balance ypu get nothing. You either spend against it or the bank cuts you a check after a month.
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Pay your credit card off completely every month. Don't let it accumulate interest. Don't purchase things you don't have the cash for. Too many people get over their heads in credit card debt and its hard to dig yourself out at 18% interest.
You guys are getting 18%?! Damn, which company. My credit score is in the 830s and they just bumped mine to 27%. Fortunately I don't have to use it, but one minor accident and Visa will own my a*s forever.
I have numerous credit cards. Don't keep any balances on them. Only reason I have numerous credit cards is to keep my credit score high.
Work hard at paying off your credit card and then put them away. The fees/interest you will save is money back in your pocket. Don't get suckered in by points and cash back. It is a way to distract you from the high interest rate. Get a card that has a low or no transfer charge with 0% interest for 2 years, move your balances over and pay it off. American Depress, Master Debt, Capital None, Sleeza, and others want you to stay in the hole so they can make money.
I suggest you shop around. We pay 8.5% on our card. Yes we carry a $1000 balance most of the time, on average, but SO gets it down to several hundred until the next emergency.
Quit drinking alcohol and cigarettes. Theyre both money suckers that make you unhealthy.
You are allowed two if you pay your weekly tribute to the pink unicorn
Load More Replies...Surely most people reading this who indulge in these already know these facts and are either addicted or feel they have struck a reasonable balance? I'll offer a different money saver in this area: buying booze at the store and having a night in with your friends is a more affordable option than going out with them to a bar where drinks cost 3-5x the store price.
I guess you also don't buy ice cream, movie tickets, or anything else that encourages poor dietary habits or a sedentary lifestyle? You only purchase and consume soy protein?
Ice cream, movie tickets and chips are way cheaper than alcohol or cigarettes
Load More Replies...True that.. also the carbonated drinks or anything artificial in the form of drink.. juices freshly made at homes is way better
I love sparkling water. I had a SodaStream, but would only fill it when I had a delivery that had dry ice... I opened and refilled my own canisters because I was not paying $15‐20 for a tiny canister. Was given a kegerator for Christmas and for $20 in CO2, I get about 200 gallons of sparkling water - I can add fresh juice, cucumber, or have it just plain for a refreshing drink!
Load More Replies...yep. In my country, an evening's booze (Eg two bottles of wine or one bottle of gin) will set you back ZAR 150-300, which is the cost of a restaurant meal or three takeouts. Waste of money.
Make a game of going as many days as you can without spending a penny. Excluding absolute necessities like gas/groceries/bills. Works like a charm for me.
Ha, that's how I live. No money left after, but i least I'm no homeless. I can't get sick tho, because I wouldn't be able to afford it, but I just avoid thinking of this and that's works like a charm too.
Same here not really a funny game. At least I live in a country with free healthcare so getting sick is not as frightening as it could be in other places.
Load More Replies...Seems likely to create perverse incentives? Like I can't buy a replacement part to fix my washing machine but I can create a recurring bill or splurge at the market?
Oh that's called most of the month for us. The only reason we were able to eat out once this month was there was a screw up with Domino's and they gave us some credit for it.
You don't have to pay for the basic necessities if you go to prison for Tax Evasion
Not a foolproof plan. As a former IRS auditor, I can tell you that most people don't earn enough money to owe enough taxes to go to jail for not paying. You'll get charged with Civil Fraud so you can keep working to pay the government the taxes, the interest, the penalties, and the fine.
Completely true for any crime, including the most hideous and atrocious crimes, while victims still have to struggle on daily basis... I wish I had gone to prison instead of my abuser.. i would have everything granted, food, bed, roof and specially free lawyers
This. At least in Canada. One can get free dental and health care. This. And the Correctional Service of Canada will cover your medical and dental costs. Plus they will help people to upgrade their education. What's not to like
What's not to like is the company you will be forced to keep, the lack of privacy, and absolutely no control over your day
Load More Replies...but you also get abused and traumatised. Unless you do it in scandinavia.
Most of the people get abused and traumatized in their jobs anyway.. and they still don't get a minimum living wage
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Buy greeting cards at the Dollar Store.
I get greeting cards for 99 cents that are as good - or better - than ones selling for $4.99+ elsewhere.
Seriously. One of my favourite cards that I’ve ever received (and one of the only ones I’ve actually kept) was made out of computer paper and 3 different colours of pen. It was adorably bad, but it was homemade and my friend put effort into it so it meant more than the store bought ones I received that year.
Load More Replies...use free digital cards to help save trees and if the person receiving the card can't accept them, cut them out of your life. Win/Win
I do not disagree, but I think that I will not cut my 92 year old mother who doesn't own a computer out of my life.
Load More Replies...I make a silly video and WhatsApp it to people. At Christmas we do a funny photo card, email to people with emails and send hard copy to oldies
Buy store brands
buy in quantity when stuff on sale. i like a particular toothpaste but it is expensive, except every few months it goes on sale for like 1/3 off. when that happens i buy 6 or 8 tubes, then i've got a supply until it goes on sale again.
i do that with a lot of stuff, even cheap stuff. like soda. 2 liter bottles are usually between $1.00 and $1.50 each. i just bought a dozen bottles of my favorites for $0.88 each. yeah, my average savings is maybe $0.25 each but it adds up. I do the same with cereals, sometimes the $4.00/box is on sale for $1.75 so i buy six of them.
My grandma did this, but there is no way I can afford bulk buying. If I buy a dozen soap bars, then I can't buy bread... So I have to buy bread and groceries and one soap bar if i can squeeze it between.
Not sure why someone would down-vote this...we'll fix it and add that not only does bulk buying require more up-front investment that some can't afford, you also have to have space to store everything. If you're stuck in a small apartment/studio, there's just no space to store that pack of 100 rolls of toilet paper (or whatever) from Costco
Load More Replies...I've found that it's usually worth trying the store brand at least once (for your typical consumables). There are plenty of misses, but a lot of times it's just as good and a lot cheaper. In some cases, the products are literally the same
if you can afford buy in quantity for things that don't go bad, and you have the space to store it and the means to get it home, definitely do it. "i'm just running to the store for toilet paper" turns into a whole grocery run to make it worth the time and effort. or impulse buys sneak up on you. but if you have a closet shelf full of sams club toilet paper and don't need to go to the store, i bet you can make dinner out of what you have in the house without having to go to the store.
I bought a freezer to take advantage of sales... it paid for itself in two years. My stepdaughter has one and I am showing her how to build up a food reserve. My stepson just bought a house and I will encourage him to do the same.
Most in our rural area buy pork or beef on the hoof. Beef for 2.50 +/- lb, pork is usually 1.60-1.80/lb. Deep freeze has paid for itself several times over. LOTS of hamburger and sausage, which we trade for other cuts with friends/neighbors.
Load More Replies...My CVS offers coupons for as much as 40% off. I have reasons to use protein shakes (not every day though) and at $37.00 for 12, it can get costly. But if I apply the right coupons at the right time, I've picked up a 12 pack for as little as $16.00. On time I got like 3 or 4 of those over a 2 week period so I bout 4 12 packs. $64.00 instead of $148. Malt-O-Meal cereals are by far cheaperthan name brands and I actually like them more! Shop ALDI too.
best part of malt o meal cereal is the zip top bag. why boxed cereals still don't have zippers is beyond me. (i mean obviously if your cereal goes stale in 3 days you will eat it faster and buy more, yay capitalism)
Load More Replies...A lot of store brand stuff just isn't nearly as good as the national brand versions
ALDI has rarely failed me. I've hit some snags but really not many.
Load More Replies...Nah man, this is a dumb idea. And despite what this person believes, it doesn't really "add up" that much. (Well, maybe with soda if you're drinking it all the time -- which you really shouldn't.) But when you're spending a couple of bucks on something, it usually does pay to buy the name brand. Don't get dollar store ziploc knock-offs when the real thing will work far better, and doesn't cost very much more. A lot of the cheap things are also things that will last you a long time (like ziploc bags), so why would you get some substandard store brand when you could have spent an extra buck or two and not been disappointed? There are times to save money, but things that cost less than 10 bucks (as long as they're things that last you quite a while) aren't worth it.
I go to Flowers bakery store to buy bread 4 loaves at a time. When I have 1 left I go buy 4 more. They have Merita, Natures Own, Wonder, Sunbeam, Bunny and generic breads. I get the 4 loaves for about $9, if you buy 1 loaf of Merita or Natures Own in Walmart or a grocery store it's almost $3.
Look at your bank statement. Actually look at where your money goes.
Look at your monthly transactions. I found a forgotten online subscription that was on autopay hitting once a year.
On that note, never do auto pay through the company providing the service. They won't stop charging you on their own and can at anytime increase what they are charging you when ever they feel like it.
Load More Replies...I have a spread sheet for all my expensive. First I have all my normal monthly expenses my mortgage and all my bills. Then a spot for groceries, then gas and finally other expenses. This way I can see where all my money is going.
I save and go over my receipts every month. I found that I under bought some items at the discount grocery, which meant paying more for them later at a closer store. One big item was snacks, which often cost twice as much. Also, every extra trip to the store would naturally include the impulse buys. I was really surprised just how much money was wasted this way every month.
Food and rent + bills, that's it. And there is nothing left for anything else.
But then it is extra important to buy when and where it is cheapest.
Load More Replies...I check my bank online every morning and evening. I have all my payments in on my online calendar - and I think I'll add my outgoings to it too.
I haven't had a bank statement in about 10 years. I have text, phone and online banking. Text banking shows me the exact balance of 4 of my 5 accounts at 1pm daily, 7 days a week. The other one I can check online whenever I want. All bills are Direct Debit or Automatic Payments, same amount on the same day every week, so no monthly surprises. Same for insurances too. I know exactly how much goes out of my accounts by 9am every Wednesday which also means I know how much I have available to spend if I want to.
I did this analysis. Suprisingly, a lower proportion than I thought went to BS. My biggest waste of money was restaurants (by which I mean sitdown places, not takeouts).
Don't waste money buying water in jugs. Instead, buy powdered water. Comes in boxes. Cheaper. Just add water.
You can also boil some water and put it in the freezer. This way you can have boiled water any time you need it! 😅
And if you are a priest you can make instant Holy Water....you just boil the Hell out of it.
Load More Replies...Filtering mug. A filter may last up to 5-6 months. Much cheaper and less discomfort. Unfortunately, I only discovered this during the pandemic
Also you aren't wasting all that plastic on bottles you don't re-use, and likely don't recycle. I've had a Brita pitcher for years (I do buy off brand filters) and can't imagine how much money it's saved.
Load More Replies...I saw this crazy recipe that lets you make ice cubes at home, but it was so complicated, with specialized tools called "ice trays" and "freezer." Who could figure that out? But I sure do like ice.
For the "privleged" & not drinkable some communities
Load More Replies...You have to order it online. Ships from Alaska (which is also where frozen vegetables are farmed).
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Cook. For f***s sakes cook. Take out, drive thru and delivery adds up.
Every month or so I make a batch of 15-18 meat balls ($12 of lean ground beef) and sauce and freeze them in old yogurt tubs. A tub can hold 2 portions which I thaw in a small pot over low heat. Boil up some spaghettini once the sauce is almost thawed (about 45 minutes), load up some glassware and you've got lunch figured out for tomorrow and the next day. Delicious, cheap, filling and microwavable.
Pro tip: good spaghetti sauce doesn't come from a glass jar.
Take your frozen food, and put it in the fridge. With a lunch-sized portion, it will be fully defrosted in 24 hours.
Good tip. The slower defrosting is better for the food, and you save on electricity.
Load More Replies...For us who cook and have cooked every day since for ever, this is like: Don't buy a 24 Karat gold watch, 18 Karat is good enough.
Unspoken here is the concept of leftovers. We pkg chicken, pork, beef in 2 meals worth, then freeze. Only cooking every other day or so. Cannot comprehend those who "don't do leftovers".
But also it's just fine to use jarred sauce if that's what you can manage
Whether it's worth the cost is up to whoever is paying. Not to mention that it's not always possible to go to wherever you want to get food from, or make it yourself
Load More Replies...When my stepkids were little, I remember reading that most middle class people (U.S.) didn't use their stove more than once a week. Well, we were broke(-ish) and I cooked every day.
I only use mine once a week, because I cook the week's meals on the weekend and put them in the fridge/freezer.
Load More Replies...How to make a gourmet dinner on the cheap: Cook pasta, then open a can of any "Cream of" soup - Cream of Mushroom, Cream of Asparagus, Cream of Celery, whatever. Pour the soup over the pasta. Instant classy meal!
Ask yourself if you need it or only want it.
If you want it, but don't need it. Give yourself 24 hours to decide whether it's worth purchasing.
But who decides "need"? If "need" only means "need it to live" then never buying anything fun or that makes you happy could affect that
This is advice to save money. Need literally means "need it to live" in this case. Once you're to a point where money isn't a problem (ie: you have it left after paying for *everything* you need) that's when you start looking at fun spending. The fleeting pleasure of buying a new "fun" piece of clothing or a game or booze (or whatever) doesn't really measure up against the longer term suffering and anxiety as you struggle with bills for rent/electricity/water/food etc.
Load More Replies...Unless it's something that won't keep 24 hours. When I'm out with my wife she always gives me a dirty look when I say I need to think 24 hours to decide if it's worth stopping at the food court before the long trip home.
Need can definitely have multiple meanings here, People! There's "need to survive", "need for physical health", "need for sanity/mental health", "need for work/school"... And I'm sorry, but I don't know a single person on the entire planet that "needs" 20 pairs of shoes, ESPECIALLY if literally the ONLY difference between those 20 pairs is their colors or materials (suede, canvas, and leather in every available color, but they're literally the same shoes). The same goes for 100 outfits. Unless you're obnoxiously wealthy, and I'm talking Alicia Silverstone Clueless rich, no one "needs" more than 14 outfits and, at the absolute MOST, 3 pairs of shoes (1 pair each of sneakers, dress shoes, and work shoes/boots).
Drink at home, alone. No buying drinks, no tipping, and nobody will judge you for drinking the cheapest stuff you can.
If you don't have to lean down to get your bottle off the shelf, you're paying too much.
Or stop drinking on the regular. I only drink for special occasions. You'll save a lot of money.
Aha, so being an alcoholic is now a thrifting technique? Got it /jk jk
All alcoholics eventually become thrifty, usually near the end. / Nk Nk
Load More Replies...I know how to make my own beer, wine... and hypotheticals. I have hundreds of bottles that I give away or lay down for years. Instead of paying $20 for a bottle of wine, it's about $3-4... 20201217_2...bddba6.jpg
When you're about to buy something, imagine a person holding the product in hand and it's worth cash in other hand. If you're picking cash, don't buy it.
I would pick the cash, but the imaginary person is holding groceries... So not much choice
I was quite bad for really wanting things and buying them as soon as I got paid, of course as the end of the month came near I had barely any money left and struggled. To fix this, instead of buying things at the start of the month I decided to buy things at the end of the month if I still had enough of that months wages left over to do so. If I didn't then I did the same again and wait till the end of the next month, and of course last months leftovers plus the new months wage by the end of the 2nd month I had enough, and sometimes saved money as the item was now cheaper.
Basically patience and timing means I can still have the things I want and not be struggling near the end of the month, I'm in a much better place financially now.
Alright - I'll admire groceries but won't acquire any >_>
Load More Replies...I wrote about this a couple of days ago, I decided it was time to get one of those countertop dishwashers. The cheaper ones had lousy reviews so I decided to shop the better ones. I learned a lot about those things shopping for them. I had no idea that some of them wouldn't hold a standard size (10") dinner plate! Anyhow, I shopped for a freeking year until I found one but it was expensive, until Wally World put those puppies on sale. TLDR: I shopped for a year but saved $125
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If you have kids, buy what you can used. Toys, clothing, furniture etc. They go through clothes so fast, so paying full price is stupid, you can often find brand new with tags stuff at the goodwill, garage sales or local buy and sell pages.
Thrifting your own clothing isn't a bad idea either.
My son wore second hand rummage sale clothes for the first 6 years of his life. He outgrew things in sometimes WEEKS so I saved a lot by doing that. I also registered for diapers, wipes etc for my baby shower
I thrift my clothes, books, even dishes. I've found some terrific bargains at thrift stores and yard sales.
To add THEN save everything and pass on to next family mbr in need. Everyone i know does this our of necessity.
I made an Excel spreadsheet to budget with. Has all my bills, what I make each month, and what to put aside to save any specific amount. So far this year alone, I've managed to save $4,000.
After the on powdered h20 i thought this one would be a joke ending in all that and saves $4 dollars
Don't buy anything bigger than $20 unless you've given yourself at least a day to think it over (obviously excluding gasoline, groceries, and other necessities). A lot of people buy stupid s**t in the moment and regret it not long after.
I once bought a 500 pack of teabags. That was 3 years ago. I ran out this week.
As an American, I suspect you would be horrified to learn I buy the gallon bags. Lasts me a couple months, unless it's summer when I consume a gallon of cold tea every other day. Also found the "Wally World" brand tea is just as good as Luzianne.
Load More Replies...As a tea drinker, I feel that I should mention that tea loses its taste after such a long time.
Very true; I use old tea bags in baths :) it’s nice on my skin
Load More Replies...Tell me you’re not British without telling me you’re not British….
I'm buying loose leaf tea in 1 kg bag. It is about 30% cheaper than small packages, lasts me about 10 weeks
Depends a lot on how you store them and the type of tea. I've had "english breakfast" that was stored in a vacuum jar for several years that tastes the same as a brand new one. Also depends on your tastes too, if you're a milk and two sugars type person it probably won't matter either.
Load More Replies...We use at least 20 tea bags a day, every day, in my house. If there's an emergency then that number will increase. I have an amazon subscription that delivers 14 boxes (Twinings so 40bags per box, 560 total tea bags) every 28 days. Sometimes we run out before they're delivered so I'll have to grab a box from the shop to make do. We rarely drink coffee in our house. Maybe we will get through 1 jar throughout the whole year. We are very much a tea household.
Potatoes. Keep plenty of them in stock - they can sit for a long time in the pantry or fridge, they're versatile, easy to cook, and filling.
Potatoes used to keep so well. Nowadays they're all over-washed and packaged in sweaty plastic, so they go damp, moldy, and sprouty in less than a week.
...and you will, if they go bad, notice the worst odor you have ever smelled.
Store them in a cardboard box or paper bag in a dark place and they will last longer.
If they sprout, cut the sprouts off and plant them. Eat the remaining part and get free potatoes later. Probably won't completely replace store bought ones but every little saving helps.
Here they don't last a week. They sprout. My husband gets a 5 lb bag and baked or roasted potatoes and the focus of our dinners for that week.
Get water with your meal when you eat out. $1-$4 savings immediately.
Depends on whether it's tap or bottle. Restaurants here default to bottle unless you specify tap.
And the US is horrifying? At least our water is free.
Load More Replies...Because the drink is the expensive thing here ???? Stay home save much more
Don't spend money.
Ha, but really don't waste money on "sales" for things you don't need, do meal prepping, make a budget for yourself, carry cash as it's harder to spend money when you can actually see it, sign up for email newsletters and use coupons whenever possible, and cut out anything unnecessary or that doesn't serve a really positive purpose in your life.
Unless there is something you need, and think may go on sale on Black Friday, but be sure of the ordinary price so you are not being taken in by phony offers.
Load More Replies...We use cash exclusively, and I don't wanna hear about cards are faster as I stand behind someone swiping "nope" swiping..."nope"..."waiting on approval". Hand cashier a 10, get my change, gone...
It's fine to carry cash, but remember that some places these days are card-only so please ensure you also have a card just in case
Those places can go suck a díck. If you can't be bothered to take cash then I can't be bothered to shop there. Same thing goes if you won't give a physical receipt and insist on an email address or have to order or pay via an app. The only way to stopt this behaviour is to hurt them where it counts - in their pockets.
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I always get my change at put it in my piggy bank - yes it's a pug, a chalkboard pig so it's tons of fun to draw on. I very rarely use cash as I like my reward points but it still comes out to $100+ every year.
Don't feel bad for getting your change. So many people walk out without it thinking it's what you're supposed to do. . .but now your $2.56 coffee every morning costs $3, that's 20% more!
Must be a cultural thing where people tend to leave change ...presumably as a tip? Nit the norm here.
Sometimes people leave it because they don't want to be carrying around coins that they may barely ever use
Load More Replies...I keep a dragon bank for change so my grandkids always have pocket money when they come over.
Since we don't use cash in my country, "getting change" is a bit of an anachronism. If we DO get change from using cash for some bizarre reason (e.g. buying street d***s --- I can't think of any other reason to use cash - ), then that goes to beggars. (We have a beggar at every traffic light).
Buying d r u g s is not the only reason to carry cash. Not that I'm advocating buying/using recreational d r u g s!! Some other reasons are - You only spend what you have. - You don't pay interest or fees. - You may get a discount since merchants don't have to pay a fee to accept cash transactions. - It may be faster and easier than other payment methods. - It doesn't require equipment, internet or electricity
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This was already touched upon, but meal prep. Pick a day, generally Sunday, and spend a couple hours cooking and storing everything for the next week. This also helps if you're trying to lose weight (I lost 30 lbs being cheap and planning ahead). Try to eat things from home rather than grab something quick from the deli across the street from your work, because, although it may seem cheap, it adds up really quickly.
I do this every weekend, unless my grandkids are staying, but I also have free power every Saturday and Sunday 9am to 5pm. Meal prep, bake, blanch and freeze veggies, make stocks and broths.
Writting down everything you spend your money on.
I mention this on post further up. I created a spread sheet for all my expenses. That way I can see where all my money is going.
I saw someone on here who put all their five dollar bills in an envelope for a year. I started doing that in February. I'm not going to count them until next February. That envelope is already getting thick with bills!!!
I do this too. My little pouch is labeled Sawbucks and all my $5 bills get put in it. I also have a pouch for 20s in it. 8f I can afford I'll stop at an atm pull one out and put it in a pouch. I like the feeling of having cash on hand for an emergency. Singles go in my car for emergencies too. You never know when you might need just $3 of gas to get you home.
Do your grocery shopping on a full stomach. I save my biggest meal for grocery day and gorge myself just before I go to the supermarket. Not only do I spend less, but I'll buy much healthier food for the rest of the week as well.
My dad sometimes breaks off the bottom part of the broccoli stalk that you don't eat so that it weighs less. Yeah.
EDIT: I know its edible and I always eat it...I meant with reference to how broccoli is traditionally served.
I agree. Peel the stem, cut it into pieces, and throw it the pot when cooking the florets.
Load More Replies...OP is talking about in the shop before getting it weighed.
Load More Replies...Don't ever buy a new car. Biggest waste of money on the planet. Instantly becomes worth a lot less the second you take possession of it.
After driving used shittty cars for most of my life, I enjoy driving a new car, as I can now afford it. No more worries about a car breaking down, especially in a bad neighborhood.
If it is worth it to you, that's cool. I would however say that there is a vast area between "new" and "shittty old car". Luckily, because some people just want the newest car every year, there are loads of well-maintained occasions that are hardly 1 or 2 years old. Fron an investment point of view, new cars are not worth it; half the value is gone as soon as you turn the key.
Load More Replies...We buy our cars used from car rental agencies. They have been well taken care of, and you get the service records to prove it. Yes, they have occasionally been driven by idiots but never long enough to cause any lasting underlying damage.
I just bought a car, 2 years old, used exclusively as a rental car.. I got a good deal, and a great car..
Load More Replies...Drive your car till it falls apart around you. My family has done that for years.
We bought one in 40 years, everything else has been 1-2 (now 3) years old.
not entirely true. My last two cars were shopfloor showmodel and brandnew, respectively. They both were sold back to the same dealer for the price I paid. I lost money only on the bank interest fees. But got my money back. Amazing value for money. It depends on brand and supply and demand.
What make, model, year? That's incredibly rare. Almost no new car will retain even half it's value over 5 years, especially not as a trade in back at the dealer.
Load More Replies... Stop spending $150 on dinner/drinks.
I wish I would have listened to myself last night...
ouch! A restaurant meal here for one will cost you about ZAR 300, or USD 17. (Home made burger patty, fries, cocktail; or, beer and a steak and fries).
There's no such thing as "saving" money by buying something on sale, you're spending it. That being said if you do buy something on sale make sure it is something that you always replace when it runs out no matter what. Like trash bags, toilet paper, deodorant, laundry detergent, etc. Whatever you feel like you can't live without
Don't start spending as soon as the paycheck lands.
Keep your self indulgence purchases to the end of the month after the last known bill is payed.
That way you'll know how much you can burn while keeping the budget low enough so there is still an upward trend in the account before the next paycheck drops.
Plan your groceries on a weekly basis. I can manage to comfortably provide food and drink for a family of three at 100$/week. If you spend less, don't carry the difference over to next week just keep it an even weekly number.
Go to the [ETC] section of Craigslist a few times a week to see if there are any focus groups. They basically ask you a bunch of questions about a new product, or make you write a diary about your shaving habits for a week, things like that. They pay $75–$300. Many more opportunities if you live in a city. A good way to have some burner money and save your paychecks from drunken waste.
I once got paid $300 to smoke cigarettes for a focus group. It was over a 5 day period and we had to stop in every morning for an hour-ish to smoke cigarettes and rate them. We had to wait 15 mins between each cigarette. I’m not a smoker anymore but that was the easiest money I ever made (back in 2011 I believe)
- use a reusable water bottle
- only buy new clothes or shoes if you need them
- plan what your eating for the week and what you need to buy - make a list and stick to it when you shop
- if your thinking of buying a non-essential e.g. makeup, a handbag, give yourself a day to think about if your really need it instead of buying it straight away
edit: also cut down on meat or even buy cheaper cuts (i can't go into detail cause i don't eat meat and have no clue). beans, tofu, eggs, grains are cheap and delicious sources of protein.
Vintage clothes won't tear apart like most new cheap clothes brands tho.. and they are even cheaper
Recurring monthly expenses are what will kill you. Keep those low.
Every time you go to buy something, ask yourself whether you'd rather have that money in your wallet, or you'd rather have whatever you're about to buy. It's very easy for me to go out and spend $100+ on dinner without thinking about it, but not when I think about how much better it feels to have that $100 in my wallet.
Live with your parents AMIRITE GUYS WHERE MY FELLOW BASEMENT DWELLERS AT SQUAD UP
Day 1 - save a penny
Day 2 - save 2 pennies
Day 3 - save 4 pennies
Day 4 - save 8 pennies
Keep doubling the amount each day for a month, and by the end of the first month you can retire as a millionaire.
assuming you are willing to go to the bank and convert your salary into pennies, or you are able to find 1 280 000 pennies on the road , this is idiotic.
Every time you buy a Big Mac, take out one ingredient and set it to one side. Then at the end of the week, you get a free Big Mac!
Maybe learn to prepare your own fresh burger instead... A one week old salad is not that delicious.
Have multiple accounts with companies that give you free stuff. For example have 5 Starbucks accounts and when they send out a promo code for a free drink once in a while you get 5.
Don't buy avocado
Avocado is good for you. Just make avo toast at home, don't order at a restaurant, as it can cost from $6 to $11.
Steal rolls of toilet paper from work/ school.
If you live in the south (or anywhere with pecan trees) eat all the pecans off the ground. The squirrels will try to fight you for it, but it's good calories.
Farah the Turtle, was it the use of the word 'steal' that gave it away? (grin)
Load More Replies...You shouldn't ever steal but if you do steal toilet paper be smart and use both sides.
If it ain't bolted down, steal it.
If it is bolted down, that's what your stolen bolt cutter is for.
Maybe just ask Jesus if you could borrow his stolen bolt cutters that way you won't be a thief.
I stole your mom last night, as you forgot to bolt her down. Ok, some would call it kidnaping. I call it appropriating, similar to taking toilet paper from work.
At least you won't have to fight her for the pecans
Load More Replies...After reading about freezing boiled water you thought this was a serious thread?
Load More Replies...My thoughts exactly, just how much do you save by stealing a roll of toilet paper? These are the people who would be the first to complain if there was no toilet paper in the office loo.
Load More Replies...How about we learn collectivelly to get fair wages before learning to romanticise poverty ?
While that's a fair point. Poverty isn't the only reason people need to save. Historically a persons' first job (or two) is always low paying, for obvious reasons - lack of experience, training etc. Kids need to learn how to save as they move into the working world (no longer having parents paying for everything). This is a good article for the younger generation. I know when I got my first job I spent waaay too much and saved waaay too little (basically nothing). So tips like this would have been useful at the time.
Load More Replies...Am I the only one who's so f'n sick of this whole save money c**p when the avg. wage/salary is not enough to cover basic bills let alone allow for extra
I love to plan dinners and keep it cheap. The trick is making something most people don't bother making it or making it from scratch and just make it look good. Last time was 5 people and we had a tomato soup with focaccia and a salad. It doesn't sound like much. However I made the broth with all kind of veggies scraps from the last month. Tomatoes were on sale. Green onions and salad from my garden. Made chives-flowers butter. The chives-flower were also from my garden. For focaccia look up focaccia art. And i dresses the salad with some Home flavoured vinegar and other toppings. It was about 2.oo euro p.p. It looked amazing and tasted good. Sure it wasn't very fancy. It tasted just so good.
Sounds brilliant! And it was fancy, call it artisan!
Load More Replies...TLDR; 1. Don't buy things you dont need. 2. Cook and eat cheap food. 3. Save money if you can. 4. Steal stuff.
As someone who works in retail, that steal things one seems to be the most used money saving tip.
Load More Replies...I have found that as you get older, you care less about buying things and start caring only about what you can't do without.
Ugh. I hate condescending "advice" like this. A couple of these were good advice, but they will never help someone truly disadvantaged out of poverty.
This is mostly nonsense and obvious stuff like "eat at home" , "buy less booze" , "don't buy frivolous things". Best way to save money is not take on undue expenses, e.g. signing contracts for unnecessary services/costs, like home ownership, telco contracts, tv contracts, etc. In my view decent food is more important than a house. Plus I move home a lot for various reasons so owning a home is a waste of time. You can make more profit on turnover buying stocks/shares. I've made 10% in a month previously, whereas best I made on a home was 100% after 4 years (ie 25% per annum or 2% a month, which is pathetic because I've gotten 6% from savings accounts). That was when our house prices doubled suddenly in 2002-3. SA here.
Yup, always start with a list of all your expenses. A few things I would have included would have been (if you can) switch your cell phone from post paid to prepaid, move your money out of your bank and into credit union, cancel any auto pay through a for profit institution especially if it is a subscription service. This will almost always be cheaper prices, no junk/surprise fees and no surprises in price hikes just suddenly being deducted automatically from your bank account.
My thoughts exactly, just how much do you save by stealing a roll of toilet paper? These are the people who would be the first to complain if there was no toilet paper in the office loo.
Load More Replies...How about we learn collectivelly to get fair wages before learning to romanticise poverty ?
While that's a fair point. Poverty isn't the only reason people need to save. Historically a persons' first job (or two) is always low paying, for obvious reasons - lack of experience, training etc. Kids need to learn how to save as they move into the working world (no longer having parents paying for everything). This is a good article for the younger generation. I know when I got my first job I spent waaay too much and saved waaay too little (basically nothing). So tips like this would have been useful at the time.
Load More Replies...Am I the only one who's so f'n sick of this whole save money c**p when the avg. wage/salary is not enough to cover basic bills let alone allow for extra
I love to plan dinners and keep it cheap. The trick is making something most people don't bother making it or making it from scratch and just make it look good. Last time was 5 people and we had a tomato soup with focaccia and a salad. It doesn't sound like much. However I made the broth with all kind of veggies scraps from the last month. Tomatoes were on sale. Green onions and salad from my garden. Made chives-flowers butter. The chives-flower were also from my garden. For focaccia look up focaccia art. And i dresses the salad with some Home flavoured vinegar and other toppings. It was about 2.oo euro p.p. It looked amazing and tasted good. Sure it wasn't very fancy. It tasted just so good.
Sounds brilliant! And it was fancy, call it artisan!
Load More Replies...TLDR; 1. Don't buy things you dont need. 2. Cook and eat cheap food. 3. Save money if you can. 4. Steal stuff.
As someone who works in retail, that steal things one seems to be the most used money saving tip.
Load More Replies...I have found that as you get older, you care less about buying things and start caring only about what you can't do without.
Ugh. I hate condescending "advice" like this. A couple of these were good advice, but they will never help someone truly disadvantaged out of poverty.
This is mostly nonsense and obvious stuff like "eat at home" , "buy less booze" , "don't buy frivolous things". Best way to save money is not take on undue expenses, e.g. signing contracts for unnecessary services/costs, like home ownership, telco contracts, tv contracts, etc. In my view decent food is more important than a house. Plus I move home a lot for various reasons so owning a home is a waste of time. You can make more profit on turnover buying stocks/shares. I've made 10% in a month previously, whereas best I made on a home was 100% after 4 years (ie 25% per annum or 2% a month, which is pathetic because I've gotten 6% from savings accounts). That was when our house prices doubled suddenly in 2002-3. SA here.
Yup, always start with a list of all your expenses. A few things I would have included would have been (if you can) switch your cell phone from post paid to prepaid, move your money out of your bank and into credit union, cancel any auto pay through a for profit institution especially if it is a subscription service. This will almost always be cheaper prices, no junk/surprise fees and no surprises in price hikes just suddenly being deducted automatically from your bank account.
