Someone Asks What Is “The Most Frugal Hack You’ve Discovered That Made The Most Difference” And 30 People Deliver
I don't know about you, but sometimes I feel like no matter how hard I try, it's still impossible to save money. I actively plan to spend less but something always comes up, and whether I'm aware of it or not, my account balance remains the same after yet another month.
Also, as economists, CEOs, Wall Street, and Main Street are sounding the recession alarm bell, I think it's a good time to look at some tips that might help save a few extra bucks. After all, they all add up. Luckily, there's an online discussion that offers exactly that.
Recently, Reddit user 88r0b1nh00d88 asked the members of the platform's 'Frugal' community to share everyday "hacks" that have helped them save the most cash, and they delivered! Here are some of the best replies.
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Being environmentally conscious. You’d be surprised with how much overlap there is between frugal and sustainable living. It’s the mindset more than anything else that cuts down my expenses.
I buy second hand. Catch public transport. Gone vegetarian. Bring my own package free snacks. Learned to repair clothes. Compost to feed the garden that feeds me. I use reusable hygiene products (cups and safety razors). I use tea towels instead of paper towels. I use soap bars rather than liquid soaps that come in plastic containers (they last waaay longer). I buy quality clothes/electronics that last longer. I use my library rather than buying physical books. And most importantly, I’ve stopped buying plastic garbage I don’t need.
No one can do everything, but everyone can do something. Shampoo- and conditioner-bars, reusable cotton pads, quality linnen clothes that lasts a lifetime, instead of plasic-polyester-acrylic-nylon, which emit microplastic when washed.
Thrifting is not only great for the planet but you will find the most amazing things!!! My daughters and I pretty much only thrift. I have found so many designer clothes for so cheap!!!
Yes so true! People throw out gold due to excessive consumerism.
Load More Replies...Same! I hardly need to buy new clothes & shoes. Save $, time, effort, footprint: -For certain projects/work sites, pick a few staples (tops, slacks), seasonal scarves/coats & practical footwear. Wear repeatedly & coordinate! -For a tailored fit, attach clasps/pleats/gussets/etc to slacks & tops for more room on bloaty days & a better fit on leaner days -Wear low profile undergarments to prevent clothing damage fr laundry/soiling/sweat to prolong the life of my gear -Make a valet set (steamer, brush, debris removers, iron) to further save time, effort & avoid the disgusting chemical footprint of a drycleaner -Pick quality footwear & a reliable cobbler (be your own?). My shoes are resoleable and reupperable. He even made me some nice waterproof breathable goretex dress boots. 😊Amazon Walmart etc haven’t seen my $ for clothing, footwear, fabric, sewing supplies, scarves, belts, jewelry. Shop regionally sourced if possible.
Being vegetarian isn't that environmentally friendly. Livestock contribute less than 4% of greenhouse gases and can utilize grasslands that cannot support crop growth (think dust bowl) I am allergic to chicken and the vegetarian chicken products are more expensive and require more effort (processing, electricity, transportation) to produce than real chicken does.
A vegetarian or vegan diet is, on average, far more environmentally friendly. That 'on average' is important because yes, it is possible to raise animals purely on grassland in an environmentally friendly way. If you personally know that's where your meat comes from, then congratulations. You are the exception. If you don't know where it comes from, then it almost certainly has much larger impacts than a vegetarian diet.
Load More Replies...Well done, I've gone back to cake soaps, and to sheet laundry detergent, use tea towels etc.
Unfortunately, these days a lot of thrift stores mark things up so much that sometimes they're more expensive than buying new. see https://doyouremember.com/163474/shopper-shares-alleged-thrift-store-price-markup
Put stuff in a virtual cart. Leave it. Mull it over for a few days. The urge usually passes, and that's when I realize it wasn't a real need and something else — boredom, insidious advertising, etc.
Also - the longer you let it sit in your cart without buying the chances of being emailed a COUPON for your purchase gets higher!
I usually get an e-mail coupon within two days. I've gotten a few great deals that way.
Load More Replies...I do this all the time. Usually for clothes, though, which I definitely don't have enough of
Google will put a reminder of that cart front and center everyday to make that harder.
We keep two 5L bottles by the shower and fill them up before taking a shower so we aren't wasting the running water while waiting for the water to be hot enough to shower. We then use this water to mop the floor and water plants. It has actually reduced our water bill quite a bit and helps us save water.
We do this with our kitchen tap too. We fill up a container while waiting for the water to heat up (for washing dishes/counters), and pour the water into our water butt.
How fücking long does it take for your shower to heat up? Mine is about ten seconds.
You'd be surprised how much water comes out in ten seconds.
Load More Replies...I get 4 L of water by doing this each shower and use it to soak my laundry. I also reuse the water from rinsing clean dishes to rinse the dirty dishes. Save lots on water bill.
THIS. We use this to fill toilet tanks, and back on the farm, water animals, etc. Every gallon counts!
Ditch showers. Go for buckets. Best option to save water. And fun advice: only half bucket required to have bath in the mornings..
I use a dish pan in the kitchen sink to collect the cold water before the hot comes in also.
How inefficient is your water system that you use ten litres getting up to temperature?
Having spares. Took me a long time to get my wife to do this. You have a toothpaste, or a tin of coffee or whatever. The next time it goes on sale, you buy it, even if it's next week. Then once you finish the first and open the second you watch for sales again.
I do this with anything that won't go off or has a long enough shelf life that I can use it before it goes out of date. I even do it with milk, as the lactose free stuff I use has a best before date of about a month on it, and as it only comes in 1 litre bottles, I get through a lot of it!
Exactly! Going back and forth to the store sucks!
Load More Replies...Is there a kind of lack of being careful when you know you have lots of something (spares ready to go) vs. if you have one tube of tooth paste, and make sure you use the right amount each time? Asking - not knowing.
I've got about 30 Braun toothbrush heads in a drawer, they were on sale for a stupid price so I bought 3 packs of 20 (1 pack for my mum). We buy bamboo toilet roll which only really works buying in bulk anyway, so when the big big roll race was on at the start of Covid we had about 30 rolls left.
You have to be very careful with this one, because you can easily end up with junk you don't really need, as you bought it because it was on sale.
I only do this with things I need. I don’t see things on sale and think ‘I’ll buy that’, I wait until the things I buy to go on sale and then I buy a few. When I’m down to my last one I start checking the shelves for it to go on sale again. There’s many items I’ve never paid full price for because of this strategy. If you time it wrong, just buy one at full price (if you can’t do without for a while) and then buy more when it does go on sale.
Load More Replies...I've found large tubes of mainstream brand toothpaste at the dollar store.
me three, only I watch people's animals in their homes, so for me its a matter of also easy packing (& not forgetting things at home!) but comes in super handy the months I have no $ by the end of wk one. also, SQUEEZE that tube of paste!! I get probably a week extra out of any container I can cut in half
Covid shopping has made this our routine. Pre covid, we always stocked up on sales staples if they were truly sales.
It's not a hack of any sorts, but learning how to cook really well has been my best money saver. I almost never want to go out, because I can generally cook better food at home.
Today's dinner (egg roll in a bowl made with marinaded chicken thighs) came out to less than $2 per portion and was within my veggie-heavy diet.
Yes, and it's not even difficult to cook a really tasty meal. Some people don't cook because they're afraid of making a disaster of it. So? Follow a simple recipe to the letter and change it from there to suit your palate. You don't need to learn to cook everything - just 5-10 meals that you really enjoy and switch them around.
Load More Replies...Restaurants in general, at least in my area, have done so much penny-pinching for profit that almost any food they serve would be better tasting and more nutritious if I make it, and by the time you factor in travel and waiting it doesn't even save time to eat out. Top that with the exploitation of their staff with the incredibly corrupt tipping system they use, just please don't eat out if you can help it.
When my wife an I first moved in together we were skint and our food budget was very, very limited but we still wanted to eat well. I could cook a bit, my wife not so much but necessity forced us to learn so we didn't eat instant noodles three times a day. Added to this we had to make nice food using cheap and/or basic ingredients. Fifteen years later and that period has held us in good stead. We can both now knock out a tasty, healthy meal from bits and pieces found in the cupboards and fridge freezer if we need to. Learning to cook really is a life skill worth learning.
I made a spice rack the other day from scrap walnut worktop, put it up discover that I need another 30 or so spaces, apparently we have around 90 different spices. Thankfully I have extra scrap wood and it's on one side of a corner so I can use the other but why do we have so many spices?
Okay this one is huge. Not only will it save you money but because you can control what goes into your food your health will be so much better off
That was my Dad's advice. You want to eat well, learn to cook well.
This! Improving my cooking skills over the last 2 years has made me realize that what I cook is far better than any restaurant.
I prefer my cooking over what most restaurants offer, plus I know I follow clean habits in the kitchen.
Increased my expenses because now I want to try all these crazy dishes. For example, made a chili that cost about $60 in materials. It was incredible but more than 6x the cost of my normal recipe. So now I only pull it out for special occasions or competitions.
I am a widow and have to cook for one, so when I have to buy lots of ingredients to make a dish I make 8-10 portions at the same time and freeze the 7-9 for another time. That means I don't have to eat the same several days in a row, and it doesn't give me many leftovers from alle the different ingredients, and it is not much more expensive than one portion alone.
Load More Replies...Yeah, I'm like, "why buy a takeaway or go to a restaurant when I can make it myself". Pizza being the best example.
I am dying my black clothes black, its great. The stuff looks like new, even though i had those short pants for 14 years
I bet Kelly Richards doesn't do any of these, You know, because she makes $92 per hour working from home!
I dye all my pants, from work, black. The dye fades but the fabric is still good. Buy my work pants at the second hand stores. I am not going to pay $30 for new pants that will have food stains and bleach stains.
Looks like you hang your clothes on a line instead of using a dryer, too, which saves electricity and the environment
It's a good way to make sure all your black garments are the same shade of black.
invest in a quality fuzz buster! I got a super large one w extra blades, that runs on batteries or plug in, and keeps everything looking new, from my couch to hats. and a good pair of fine sewing scissors to get the places near pits and crotches that can't be reached easily by a larger machine.
I dye my faded clothes and some new clothes too. If the replacement item I need doesn't come in the colour I want, I get white or light beige and dye it.
I've tried this several times and I can never get it to work well!! It takes such a long time to dye and not make a mess then after one or two washes (cold water only) my stuff is back to the same level of faded. I use dye fixant. What am I doing wrong?
Use a combination of a black dye and a navy blue dye
Load More Replies...This is common sense to me, but I know a lot of people around here who don’t live this way: in the cold months I wear long sleeves/enough long sleeved clothing. I avoid turning the heat on unless I’m actually cold instead of cranking up the heat so I can wear a t-shirt and shorts
and in the warm months, if you're wearing long sleeves and sweats, or you have to cover up with a blanket in the living room, the AC is set TOO COLD. (This one is for you, fruit of my loins!)
Tangentially related - get a thermometer for your room. Is the room cold, or is it just you? If the room temp is 20°C put on a jumper, if it's 15°C, it's time to put on the heating (at least for a little while). Note, the lower temp is based on the HSE minimum working temperature in an office.
I wish I could do this. But somehow no matter how many layers I wear in the winter I'm still cold.
In the winter we want the home at a temperature that would make us turn on the AC in summer, and in summer we want the home at a temperature that would make us turn on the heat in winter.
That's how all of the stores, restaurants, offices, seem to do things. I shouldn't have to bring a sweater to work or church
Load More Replies...Jimmy Carter got on TV during the first gas price crunch in the 1970s to ask Americans to put on a sweater to save on heating bills. I could never get it into my children's heads that we lived in Minnesota and they needed to bundle up in the winter.
Yeah, that doesn't work for me. Ik can sit with 4 layers on and still be freezing🤣 Plus I have pets, and they need to be warm as well🤷🏼♀️
You don’t live in Canada. And who expects to live in summer gear year-round???
Me! I live in Northern Queensland, Australia. The temperature drops below 23'C and everyone runs for their jumpers!
Load More Replies...Layers are your friend here. I start with a tank top, then a light long-sleeved shirt, then a hoodie or cardigan. You can add or subtract layers as needed for your comfort.
Cutting my sponges in half. There’s nothing a whole sponge can do that a half one can’t. It’s easily the most simple frugal thing I’ve done that literally doubled my life of a product.
First rule of the internet…. Don’t tell people when you aren’t home.
Load More Replies...My sponges have life cycles. First they're a dish sponge. Then a sink scrubber. Once they're done with that, they scrub the bath. Finally they get demoted to a toilet scrubber, then thrown in the bin.
Yeah, we're just back from a world journey trip from the savings!
I do this too. Honestly, I don't do it to be frugal, although it is, but because they fit in my hand better.
Since I worked as a dishwasher in a restaurant as a teen, I've wanted to have the comically oversized dish-sponges. I found them in a store a few years back, bought a pack and washed my dishes in luxury (until I moved to a house with a dishwasher)
I can't stress this enough. Porridge for breakfast. It's roughly €0.06 per person if you only added water and salt. With a little milk, fruit, and other toppings it can still be as little as €0.50 per person. Plus oats keep you full for a long time and are amazing for your health.
Here in Ireland a 1.5kg bag of rolled oats is €3. You don't need to spring for expensive brand names. Any rolled oats will do.
Mix 0.5 cups of dry oats with 1.5 cups of any preferred liquid per person. Leave this mixture in a saucepan on medium heat and walk away for 15 to 20 minutes. Go take a shower. Get dressed, etc. Cooking oats slow gives them their creaminess. When you come back, give it a couple of stirs and add more liquid if you like a creamier consistency. Add your desired topping. And that's it. Even plain salted porridge with a little bit of milk can be really delicious and very easy on the stomach. It's actually really great hangover food.
try making it the night before - leave it in the fridge and in the morning just pop it in the microwave for a minute or two - job done..
Even better, leave raw, add milk, put in fridge overnight. Very creamy, doesn't taste raw and took basically zero effort.
Load More Replies...I can't rave enough about this - I thought I was the only person in the world who eats salted porridge. (I put sugar/sweetener in as well, as I like salty & sweet together).
Don't agree. It doesn't keep me full, I want to eat again half an hour later. In addition to that, it acts as diuretic for me. It was impossible to leave a house for more than an hour as would need to search for a toilet badly. I ate porridge for more than half a year, that's solid amount of time.
Unfortunately I have to have gluten free which means my porridge is more expensive.
Are you allergic or intolerant? I'm intolerant to gluten, and have never had a reaction to the 'possible traces of gluten' in regular oats. I wouldn't risk it if I had an actual allergy, though.
Load More Replies...Food and self care are never on the chopping block when it comes to cost and savings. No ma’am I will not eat that besides, intermittent fasting.
I'm sorry, I can't eat Porridge made with water and salt. Either Make it with milk and sugar or don't make it at all.
Oats actually helps rebuild the protection around nerves aswell! If you have tender nerves the best thing you can eat is oats. Healthy on many levels!
Definitely growing our own veggies and herbs! I dry the herbs and use all winter!
If you place herbs in ice cubes trays, then fill with water & freeze, this is a good way to flavor soups, sauces, etc., & the small amount of water from ice cube shouldn't affect thickness of the finished product.
So true. On the other side of the coin, keeping chickens does not save you any money. Probably the opposite. I keep 20 hens on my property, and I probably spent twice as much per egg than I would from the store. But there’s nothing like getting a fresh egg from your own hand. Totally worth the cost.
In my experience growing your own veg can be more expensive than buying them on a market. ONe rainy summer and it all goes moldy, one dry summer and you need to water endlessly - it CAN be cheaper and it is certainly more fun, but it is not a money saving hack.
Also, oven dry any surplus tomatoes or turn them into Pasatta or Chutney - freeze surplus beans and herbs ....
Every year, at the end of the harvest season, my daughter and I buy up bulk containers of onions, tomatoes, and peppers. Peel, chop, and dehydrate them in a low oven, then store the dried veggies in airtight glass jars. All year long, we have roasted onion powder, roasted tomato powder, and various kinds of chile powders. (The trimmings go in the "veggie stock" bag or the compost, as appropriate.)
Buy good quality clothes, learned basic sewing and hemming to tailor them and look good. I air dry them and they look good for a long time.
Sometimes there are great sales on jeans that are too long for my size. I learned to sew a French hem to keep the original hem.
This one is awesome, being short I learnt early to tailor my clothes, people think I spend a lot on clothes also but I don’t. I also will intentionally buy broken clothing items I know I can remake or fix
I've done this since I was 12. I could start a side hustle...
Load More Replies...“[Vimes] earned 38 dollars a month plus allowances. A really good pair of leather boots cost 50 dollars. But an affordable pair of boots, which were OK for a season or two and then leaked like hell when the cardboard gave out, cost about 10 dollars… A man who could afford 50 dollars had a pair of boots that’d still be keeping his feet dry in 10 years’ time, while the poor man who could only afford cheap boots would have spent 100 dollars on boots in the same time and would still have wet feet.”
My father taught me how to sew and decades later, I continue this money-saving "hobby". From designing my own clothes to mending old clothes, it's a talent I'm glad I have.
I loveeee thrift flipping! I recently made that cute lettuce hem top w the scrunched middle from a four dollar tank I found at good will
I wear clothes for as long as I can, including mending them a lot.
I buy all my furniture and clothes (except underwear) in thrift stores.
Nearly all of the furniture in my home began life as a hand-me-down from a relative (who either passed away or was moving and wanted to downsize). All of it is quality wood furniture...no particle board c**p. It's a bit time-consuming to refinish, but totally worth it.
I shop almost exclusively at thrift stores. I'll buy something based on the fabric or pattern and turn it into something else. Cheaper than buying material.
You can use steam cleaning equipment to sterilize fabric-covered furniture. Kills the bed bugs too. Best to do this before bringing it into your house.
This is more difficult for men. We tend to wear our clothes until they wear out (assuming we don't get too fat for them), so there's nothing to donate to thrift stores. The picking are rather slim.
Just buy the ones with skid marks… For some reason they are slow to sell. 🤔 😂
Load More Replies...In our area, our thrift stores can be pricey. Check the consignment shops and clearance online and at Target. Clearance can be cheaper than the thrift stores and new to boot. Ebay still has some deals.
Unfortunately, these days a lot of thrift stores mark things up so much that sometimes they're more expensive than buying new. see https://doyouremember.com/163474/shopper-shares-alleged-thrift-store-price-markup
I have been in my own home for 27 years. The only furniture that wasn’t hand me down was the butcher block kitchen table. It is going to around for the next generation. My bedroom set was my grandparents wedding set. They were married in 1921.
For our family it was scaling down our food consumption to actual serving sizes and making that amount. I was cooking way too much food and we were all way overeating.
It was hard for me to learn to cook for 2 instead of four. Until i learned there were lots of leftovers each time.
I tried to adjust when my youngest left home, found I can just put the leftovers in a container for lunch the next day. if I don't feel like having it again throw it in the freezer. I always forget to label so mystery freezer lunches :)
Load More Replies...I freeze leftovers and give them to my mum so she can reheat them when she wants, she hates cooking for one as it produces so much waste, she's considering going vegan at the moment to minimise her waste and carbon footprint.
Using smaller bowls and plates makes a big difference; can always go back for refills but rarely need to do so.
Although only 2 of us, I always cook for 4. Stretch out the meals with extra vegetables. We either eat the extra meal the next night or put in the freezer. The odd week we live on frozen homemade meals so I can have a holiday from cooking.
I have a cooking day, say once or twice a month. I make a bunch of meals, pre portion them out and freeze. It's great. The food is healthy and cheap. Since I cook so irregularly, I really enjoy cooking. It was a painful chore I learned from my mom, but now I look forward to trying something new and adding to my stash. Making my lunch or supper is so easy. Open the freezer, go "hmmmm" I feel like enchiladas today, or soup etc. Pop it in my bag and off I go.
I'll make too much spaghetti sauce on purpose and can the excess for a fast meal on a hard day
This is more environmental than frugal, but I started using kitchen towels instead of paper towels for most tasks. A roll of paper towels used to last me two weeks. Now I buy a three pack once a year.
I m using very rarely paper towels. Since i was a kid(20 years ago) my mom used only fabric towels. It reaches a point that you are emotionally attached to one of them. LOL
I know. I got really upset over one when it finally was basically see-through and holey enough to be sainted.
Load More Replies...Please make the effort 💛 Or at least make sure you're getting recycled paper or bamboo. A lot of paper towel and toilet paper is, astonishingly, still made from old growth forests. We are killing our planet for our convenience.
Load More Replies...My mom always use kitchen towel, it's better if you have some of them, and don't forget to wash them when they get dirty.
Yes! I keep a separate plastic bag hanging off the laundry basket, so dirty rags don't have to get mixed in with the clothes. When it's full, I do a load just of them. Dry them outside in the sun; fold them up; back around again.
Load More Replies...Could somebody please explain the difference between environmental and frugal?
I suppose environmental helps save the planet and frugal helps save you money...
Load More Replies...This is gonna sound incredibly cheap, but I reuse clean paper towels. If I’ve just dried my hands, or wiped off the counter, I’ll shake them out and lay them flat to dry. You can get two or three uses out of them.
Believe it or not, the heavy blue shop towels in the automotive section can be reused, a lot, if you are only using them for kitchen messes. And they can be WASHED! I buy a roll and reuse them until they fall apart, then keep them for draining oily food or cleaning up floors.
We always have a few cloth kitchen towels to toss in the wash with other loads. I do use paper towels sparingly. I'll take a worn out bath towel and cut it into rectangles that can still be used, and make kitchen towels out of them.
Hang drying clothes helps them last longer
Unless you live in sunny Spain, where you need to make sure they're in the shade in summer! Otherwise, your clothes are completely faded by the end of the season. But drying them outdoors is definitely the way to go.
Create a drying rack with a parasol and become a millionaire. You're welcome.
Load More Replies...The only reason we don't do this is because the clothes will be coated in pollens that we're allergic to in short order.
Saves on electricity consumption too when you are not using your dryer.
Where I live, that means hanging your clothes in the dust and smog.
Clothes dry on the line when it's dry outside, and on a clothes-horse inside when it's wet. People who use tumble-driers as a matter of routine are psychopaths
I never put anything with elastic in the dryer. Those items are line dry only.
Taking care of my body, exercising, going to the dentist proactively to avoid future costs.
That's presuming one can afford to go to the dentist. Even if you have heath insurance dental care isn't covered.
Respect your body. Don't smoke, drink little alcohol...if any, just the odd treat, cut out junk food, exercise every day, eat healthily and don't have large portions. You will save a fortune on doctors visits.
Aging is so much nicer with a body that has been taken care of along the way.
Selling my car and using a bicycle instead. Made me richer, fitter, and happier in one fell swoop!
For us - we went from 2 cars down to 1 car.... when combining work from home, riding my bike where possible and general less usage - it has had a similar-ish effect as far as saving money and being slightly fitter. no car would be great - but not realistic depending on where you live and the stage of your life.
It's true. Where we live, a bike isn't going to get you anywhere because everything is too far away. But my husband working from home ahs really brought gas costs down.
Load More Replies...I totally agree with this one, but it depends so much for location to location. Unfortunately i live in a place where having a car when you have toddlers is mandatory...
What? So if you don't drive, you can't have a child? Will they make you have an abortion, or put you in prison if abortion is illegal and you get pregnant and don't drive? Or will they take the kid away from you if you for any reason can't drive anymore? Will they relocate you somewhere where you don't have to drive and compensate you for it?
Load More Replies...in bigger cities, it's kind of impossible to not have a car. Unless you use public transport, but that takes a lot of time as well.
I see you work in little shop, no shower, no possibility to change dress ....
Wonderful advice - unless, like me, you live more than 20 miles from the supermarket.
Budgeting with cash envelopes. Having a budget for everything has been the ultimate frugal hack. Do I want to spend my $60 food budget on a takeout dinner or go wild at an outlet store and get two weeks worth of food?
Banks used to offer Christmas Savings accounts that you'd put a couple of dollars into each payday. I continued that practice by setting aside funds in different marked envelopes.
My children were always complaining when they were young about my "stingy" (frugal) habits, so one month, I got a bunch of envelopes, the pile of bills, and a pile of cash in various denominations, which I got at the bank. Then I sat down with my 12-year-old daughter and we played what you might call "Household Monopoly": I had her take a bill off the stack, count out the money for it, and put them in an envelope. We went through the whole pile of bills that way, and when we were done with paying the bills, I had her count the money that was left over, and explained that that was our spending money for the month. She stopped complaining after that.
There's a great app that does the same. Goodbudget it's called. it's a bit more meta as you have virtual enveloppes but if you can make it work mentally it works great.
Didn’t realise people still use that much cash! Most people I see will put even small charges (like a coffee) on a card. Or don’t even carry cards now, just use their phone.
I use the same envelopes every payday. They are labeled and if there is something left over in a "spend" envelope - like groceries, I place that money in my savings envelope.
Load More Replies...
Live in a small place. Buy (or rent) the smallest, cheapest place in the nicest neighborhood you can afford- especially if you have kids. Always drive your used car into the ground. You can get a gabillion repairs for the same amount most people spend on car payments. Understand that eating out comes from the entertainment budget, NOT the food budget.
Do NOT drive your used car into the ground; at that point it's probably inefficient on gas/petrol, and possibly leaking oil. Don't c**p on the local environment to be a cheapskate.
What about the environmental cost of throwing a car away to buy a new one?
Load More Replies...Living with children in a small place can be really challenging though, for all, especially when they get older and crave privacy as well.
Not True on the car thing. With a car, you must look at cost of use over time. With a used car, you are still spending over time, the same money as a new car. In fact, leasing a car is more cost efficient, where every 4 years you get a new car, and you didn't have to get new tires, or redo the breaks, or any other repairs, you just hand it back in, and get a new one. If you do the math, of life time of use and cost, its about $300 -$400 + Per month for any car over time. For 14 years for example, all costs of the vehicle divided into time monthly, could very well equal the same as if you had a car payment for the whole 14 years, that iss the same as a lease, or new car payment. People drive their old cars forever, thinking they're saving money, then in the end, it all works out the same. They just miss out on having a new car for longer periods. Do the math, it doesn't lie. Most people won't do the actual math, of the cost of a vehicle over time, or even keep track of spending.
1999 Jeep Grand Cherokee, 208,850 miles, 4 L engine, inside immaculate, except smudges on back windows from little pooches nose. 4 L engine got better mileage than the new cars. Best engine ever made besides the old 289 hp. Maintenance, maintenance, maintenance is the secret for fluid changes, tire rotation, and brake replacement. As time wore on I replaced everything with NAPA ( not an advertisement ) 100 % free replacement, lifetime. Went through 4 water pumps with no problems. NAPA apologized, bad pumps from Mexico. In 2016 my beloved wife a 55 years got a bug to trade it in for a Jeep Cherokee Latitude. Reluctant to do so but to keep the peace I traded in my old friend. Uconnect stopped working a year ago and no shops can fix it. Jeep wants $ 2 k to replace it. +++ 2 weeks after the trade I got a call from the New Orleans Sheriff's office that the 99 Jeep was used in an armed robbery and the registration was still in the glove department in my name.
I went from a car-dependent 4-bd house in the suburbs to a 1-bd flat less than a block from the bus. Train station is a bit further, but well worth it.
If you haven't got the cash, you can't afford it. You do NOT need the latest stuff. People spend a fortune on interest payments. People surround themselves with "stuff" they don't need and can't afford.
Depends on what your definition of "small" is. Because to be honest, in most parts of the world, "tiny homes" is already bigger than an average-sizes home where I am. And about 10 times cheaper if not more.
Actually, we're both 60 ish and we don't have kids. They are a massive drain on your budget, not to mention the family's carbon footprint. Avoid them. They are noisy, sticky and generally a nuisance. McDonalds will soon be all touchscreens and robots so frankly we won't need your kids.
About 1x a year I go through all of our monthly expenditures and see if I can get a better deal on anything - like cell phones, internet, insurance, etc. Also if there are any monthly memberships of any sort I cancel whatever we don't use regularly. I usually end up saving at least a hundred dollars a month!
Also I joined the local "Buy Nothing" groups on Facebook and I have gotten so much free stuff - for example, my daughter wanted to try piano lessons but I doubted she would stick with it, so I put an ISO for a free keyboard - and someone gave us one! Also I've even received for free small things like painting supplies and an A/C filter. And I've given away a lot of things too.
When I was 19-25ish, I would shop for car insurance every 6 months, and always save at least $100 over 6 months by switching. It eventually normalizes, of course.
You can only do this at renewal date here if you don't have your full no claims discount as you'd lose the 'part-year' discount you had accrued. But it is commonplace to shop around at every renewal date. Remember to NOT always go for the cheapest. Some companies are disreputable, check reviews before buying..
Load More Replies...I love Buy Nothing. Especially when someone posts a wish for something that I have. I’ve gotten food and other things, too.
When we were looking at getting more furniture for our living space after my partner moved in, initially looking at buying new we would have spent around £150-£200. I looked on facebook marketplace and freecycle, and we got everything we needed for £10
We sold our beach condo and were packing up our personals, including a hardly used, fairly new HP printer. I put it out on the condo intranet for free and it lasted all of 5 minutes, even at 2 am! We couldn't take it on the plane, so why not?
This tip works very well with the internet bill in particular. When mine increases after 12 months, I call and ask for a better rate.
I have a spreadsheet where I track costs so I can see if things 'spike' - and also compare YoY costs. When it comes to renewals I can query why insurance has gone up, and see if I can find the same coverage elsewhere for less. Even if it's $300 - that's one hour of work for $300, I'd take that!
Woman here:
Menstrual cup a one time expense that may last for up to 10 years. I've had mine for 5 years and I really I had known about these since my early 20s.
Safety razor, I think I paid like $15 bucks for it and a 250 pack replacement razors. It's been 5 years and still haven't had to buy more.
Bonus is less stuff going to landfills.
Menstrual cups are great. And if you can't use one (for various reasons) I really like period underwear as well - quite expensive to buy but doesn't feel like you're wearing a diaper (compared to pads) and more eco-friendly. Plus reusable obviously so no need to buy products every month.
I found an affordable brand of period panties and finally made the jump to them. So much more comfortable and helps the anxiety i get around that time more than stressing about not wearing a pad because i *might* start this week.
Load More Replies...I've been using these for the last 10 years. Each usually lasts 3 years. Not only I save on the pads, I also save my time changing my nappies and handwashing my undies due to poor nappies.
Cloth pads too... cheaper than period underwear, and reusable. And they can come in fun prints! Try partypantspads.com
Not for everyone. Cup is not for me and pants/[ads are not for me, therefore I have to stick to good ol tampons.
Same. Unfortunately I have some medical issues that make me bleed a HUGE amount. The panties/cups just can't keep up. Thankfully I'm at the beginning of menopause so hopefully I won't have to deal with that for much longer.
Load More Replies...And to bonus of it not drying my bits out was worth the upfront cost for me.
I bought both sizes of cups and can't figure out how to get it up there and opened properly :/
method I find works is to push one side in so the whole cup kind of folds in on itself like a tulip. Then pinching it to keep it closed insert it, use your finger to ensure it is all the way in and give the stem a tug to create the seal. Tugging on the stem will either open it, or it'll open itself after a short while.
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Some of these are kinda weird but here we go:
1) Get a bidet: it takes a little bit to get used to, but once you do, you'll never feel cleaner. That and your TP will go a lot longer.
2) Get a bunch of old rags and wash & reuse them instead of paper towels or anything to wash your hands. You can usually find these cheap if you look around and will save you a ton of money in the long run compared to paper towels.
3) Costco Membership: costco is extremely brand conscious and their products are really high quality and depending on what you buy, can last you a considerable amount of time. More so, the buying in bulk helps out, their gas is noticeably cheaper than anywhere else, and their customer service and the way they treat their employees is light years ahead of any other retailer i ever dealt with.
4) Switch to LED bulbs - they last longer, are cost effective now to other lightbulbs and use a fraction of the energy so you save more money too.
5) Make sure you keep your tire pressure right and to also change air filters yourself. These seem like easy things to gloss over but will save you a ton of money on getting better gas mileage and also just saving you maintenance costs as well. Also, the air filter replacements at most garages cost for some reason way more than they should. Go on YouTube and you'll find videos of how to do it, and you'll be more well-rounded. It's pretty dang easy.
6) Get sleep (and a good mattress if you can). I found i spend more money or dont function as good and spend more time on needless stuff/redoing things if im sleep deprived. Getting that good sleep is free and you're health and happiness.....health is wealth!
Upvoting for the final point. Sleep is so important for emotional regulation if you're prone to "retail therapy" or even comfort eating (more food = higher spending). I'm working on stopping both of these behaviours in myself and sleep really does help.
Getting the correct amount of quality sleep is also essential for blood pressure regulation and general health.
Load More Replies..."Get a bidet". Are you kidding? If you don't already have one they are *very* expensive, not just to buy but to plumb into your house. Most bathrooms that don't already have them would be unlikely to fit them. I'm sure it's awesome, but I think it would take 400 years of not buying toilet paper to pay one off.
In retrospect, a bidet seat, while still really expensive, is nowhere near as expensive as an actual bidet . . .
Load More Replies...You don't need to get an actual bidet. Just get a bidet toilet seat. Toto (Japanese is probably the best brand).
Costco is a life style.. and definitely not for everyone one. I think in most cases it promotes overconsumption, just because you have to use up what you already have or else it will go bad. If you are a family of 4 you will be eating hummus every day for next 3 weeks just to finish the tub. Same goes for cookie trays, cheese block, snack containers. And the price for the Vegetables is not much cheaper than Walmart (if you have good Walmart around). The only thing to buy there are items on sale, but who has time to go to Costco just for a hand ful of items, you ALWAYS end up buying more that, just because it's convenient.
Costco pays and treats their employees well, Walmart does not. Costco is great for food but only if you have a large family. I share a membership with my mother so that is economical. I most buy household goods like toilet paper, detergent etc. and did a comparison with m local grocery store - I save about a third and pay for the membership after one trip.
Load More Replies...Instead of an expensive bidet, buy the spritzer used with all asian toilets-- cheaper, easy to install
Old bedspreads for rags, the center is well used, but rest can be good. Scissor and hem it, it can be used years, spec. the frothe sort. I use them for dogs towels etc.
Growing my own vegetables from seeds, in my own little patch of land. And then canning those.
Most things grow well in containers... maybe apart from big fruit trees.
Load More Replies...Love canning, yes it can be hot work to do but the end result of knowing that you canned all those items you harvested is worth it.
Amen. We have a garden large enough to keep us in tomato sauce, garlic, chili peppers, and potatoes for about six months. I’m going to try my hand at onions and shallots next year.
While my grandmother and my mother were great cooks, they never did canning, so I had to teach myself how to can food. I love ❤ it, and home-canned food tastes so much better than store-bought. I love watermelon rind pickles, but a tiny jar in the store costs a fortune! I can make pint jars of watermelon rind pickles from the wasted rinds of one summer watermelon for less than a jar from the store.
Any meds that are out of pocket, I asked the doc to prescribe the generic ones
We are fortunate here with universal free healthcare and free prescriptions, there is literally nothing to pay, ever..
Please be careful ----- some medications' efficacy can vary up to 15% between brand and generic ---- weird but true.
There is no efficacy variation between brand and generic. The exact amounts, sizes and packaging are regulated. If any supplier wants to change any of these they have to ask for a new regulation (which costs millions) and will be visable to the consumers.
Load More Replies...For “trivial” stuff, sure…. For newer or harder things to manufacture, that’s a risky tactic. The “active ingredient” is not the only thing you buying - and I’m not taking into account the quality controls, etc… because there are good and bad manufacturers. I can give several examples, but a very particular one that comes to mind was an antibiotic that was acid-sensitive. The generic version didnt have gastric protective coating, so it was useless. The molecule was indeed the same, the results definitely not. You can argue about the original manufacturer holding back the fact that without coating the product was useless. It’s legal, by the way. The molecule becomes patent free but nobody is forced to describe the full action mechanism. AND GENERICS DONT GO THROUGH CLINICAL TRIALS.
In Australia you are prescribed the drug and then you opt at the pharmacy if you want generic- I don't know anyone who gets the non-generic brands.
That's the sad thing about the US. Even though the vast majority come from the US, they are not subsided here, like the rest of the world. We pay the full price. This happened due to lobbying. They are trying to undo that now, but I'm not holding my breath.
Load More Replies...Only problem is that some prescriptions don't have generics. Once a med is on the market for 7 yrs, a generic will come out. Unless the change something. Even something very tiny in the med and they can add another 7 yrs. It took 14 yrs for a generic to come out for a med i was taking and this is what my doctor explained to me. He knew I didn't have a lot of money so when the generic finally came available he let me know
This is great until it turns out that there is no generic or that even the generic is prohibitively expensive.
note - even if they don't prescribe the generic you can ask the pharmacy to fill it with the generic. You can also ask the pharmacy to look for coupons and rebates. They are far more willing to help you than you think! They want you to save money and be healthy!!!
Joining local Buy Nothing and secondhand groups. I've basically outfitted most of my house and garden for free or very cheap thanks to them. Furniture, kids clothes, plants, etc. The quality is actually better than most newer bargain c**p and plus it's better for the environment. As a bonus, when I am done with something I just pass it on and it stays out of landfill. Win win really.
I caught my neighbor going through my garbage and putting stuff in her car. I went out to see if she was okay or needed something specific, and she said that I throw away too many good things. From that day on, I put anything that I no longer want or need outside in my front yard for free. My favorite is when someone knocks on the door to ask if the free sign is for real. It's a great way to meet, honest, friendly, excited people. I'll never forget the little girl who asked if she could take the short white wooden garden fencing, that I had put out. Later she showed me a picture of her bunny playing in a fenced in area of her lawn she created. Not everybody is collecting stuff for a garage sale, give it away for free if you can.
I've been "caught" grabbing things. I just awkwardly wave say "just your friendly neighborhood recycle fairy. Thanks for the ____!" Load up and scoot 😜
Load More Replies...Repurpose too. I've used wire fan covers to sift landscape stones out from under my yard, litter buckets for a million things, etc. Get creative instead of adding to waste 👍
Load More Replies...I put unwanted things out by our letterbox for free...fruit off our trees, empty plant pots, plant cuttings, a chair, bookcase, all our doggy things when our dog died, books etc. Every item is gone within a couple of hours
I didn’t realize there were groups dedicated to buying nothing and secondhand. Now I know what to do with items the church may not want.
Ooo I like this idea cause you don’t feel bad throwing perfectly good stuff out and your not hoarding which means less clutter. I think that’s part of the reason I dont throw stuff out even if I hadn’t used it in a while. I feel guilty being wasteful.
Using curbside pickup through my local grocery store app. My account is connected, so I get points and can apply discounts from the ad. But the main takeaway is that I have removed all temptation to buy things I don’t need! It probably cut my grocery bill at least in half at this point.
IF you don't have a car you can order a lot more ie for the month instead of making weekly trips. So the delivery charge will still be less than your transport costs..
I don't drive, I've been doing that for many years, just need to go to the local market to top up the fresh fruit and veg
Load More Replies...I started using curbside pickup and I save sooooo much money this way. I don't wander the aisles and throw random stuff in the cart.
Write a grocery list and stick to it will also help with your grocery bill. If you keep a menu for the week, even in your head, you can check your cupboards for the ingredients you need and put any that you don't have on the grocery list.
Where's the fun in interacting with others? And you can also practice self control and not buy things you don't need 😂
I feel like grocery stores didn’t think this through all the way. Impulse buys have got to contribute to millions in revenue yearly.
Eating vegan has saved me a ton of money. I don’t eat a lot of specialty 'vegan' products. The majority of my diet is beans, rice, vegetables, fruits, oats, peanut butter, etc.
I'm so sorry if i'm bothering someone, but i find vegan diet so expensive. I repeat, i don't want to offend someone, just an opinion
Specialty vegan meals can be expensive, but simple vegan (rice, beans and veggies) are cheap! You're basically just eating more of the side dish and cutting out the main.
Load More Replies...I think with vegan diet you really have to know what you are substituting with what. You can't just eat to be full. Long term nutrition value has to be taken into consideration as well. I'm not talking anyone out of it, I'm just saying you should not just substitute animal products with beans and oats, each one of those has different nutrition value.
On the contrary, with few exceptions anything animal sourced can be found in vegetable sources. Ubiquinol, CoQ10, is probably the hardest to replace, but your body can make it too.
Load More Replies...I am vegetarian but there is no way to afford being vegan. Maybe it depends on the country one lives but if I have to give up eggs, for example, I would have to replace them with expensive nuts.
The whole point of making money, for me, is so that I can afford good food. I'd rather die than be rich and vegan.
Being able to buy cheap fresh fruit and veggies is a privilege! I am so lucky to be able to get these things super cheap, but sometimes when travelling I am gobsmacked how expensive it is. I once cooked basic pasta with veggie sauce for friends in London. Holy cow, that was expensive!
Vegan prefabricated food can be very expensive, but vegan food is really extremly cheap, if you cook the beans yourself, create sallads with nettles and other so called "weeds", and to find a really good basic vegan cook book is pure investment!! One that really teaches you how to treat all those generic beans, lentils and seeds that only people from poorer countries buy!!
Particularly with crazy inflation, the cost of meat has gone through the roof. Vegetables are more expense too, but not nearly the same percentage increases. Seasonal vegetables grown locally are always more affordable, and careful shopping (plus willingness to learn to cook "vegan") is certainly a thrifty alternative.
Sharing streaming services with friends/library card (so easy to get, please just do yourself a favor and check out your library's requirements).
This. The library. Free books, movies, music. Free access to consumer reports and wall street journal online. Ours has partner passes for botanical gardens, the zoo, museums and other local attractions. You just have to check them out.
Don't ever pay for Ancestry.com. Most libraries have this for free. Just ask!
Load More Replies...Yes but please don't take 1 library card for 5 people. Make it 5 cards if possible, most of the time it's really cheap or even free (unlike streaming services). It's important for public libraries to know, and be able to show, that they benefit to 5 people and not only 1 - in other terms, to prove that they're actually popular. Wanna know why ? Well, in many places the whole public library service is funded by local taxes and depends on the good will of local authorities, who are always looking for costs to cut. If they deem the library unprofitable on social and political matters, they will eventually shut it down sooner or later.
I think this post would be better worded as library cards/sharing streaming services with friends
Load More Replies...Check to see if your library has Kanopy. Great collection of movies and documentaries.
yes, I watched Parasite last night with it. Your taxes are paying for it, so you might as well use it.
Load More Replies...You can't share streaming services it's illegal plus Netflix is closing accounts that do that
As James Nelson, Jr. previously said it's illegal to share streaming services. Don't DO IT !
Our library even has a musical instrument loan section! Amazing.
Unfortunately this is going to be more expensive as streaming services are going to raise rates on those who share acts in different households.
We access books from our local library, free, on line, to download on our tablets. It's great.
Unless I misunderstand you, sharing streaming services (i.e., Netflix, Amazon, etc.) is illegal.
Honestly, one of the things that made a huge difference for me is weighing my food - mostly meats and seafoods. By eating proper portion sizes I'm saving a TON of money. Turns out one chicken breast is like 2-4 servings depending on size. A bag of frozen shrimp would get eaten in 2 or 3 meals but sticking to 100g portions I'm stretching that a lot further.
I often reduce the amount of meat in my recipes and add more veggies instead - healthier, better for the environment, and it's still enough meat to be satisfying tastewise. They ask for a lot of meat in most recipes, I think.
We cut mince with lentils - although it can make you quite gassy. Also a lot of the vegetarian “alternatives” to meat meals are horrid (at least to me) but adding even 25% of the meat back in instead of the substitute makes them taste fine.
Load More Replies...One large chicken breast, cooked, sliced and stir fried with lots of vegetables, herbs and spices should feed 4 adults. You don't need to eat a whole chicken breast yourself. That is sheer greed and over-eating.
The thing about serving sizes is that everyone is different and you ought to be eating til you're full.
The only problem with this is you must have a personal serving size, not the manufacturer's serving size because most manufacturer's base their servings on parameters that have nothing to do with a balanced meal or nutrition, but rather keeping certain components below a particular threshold. This isn't as difficult with meats and veggies, but grains, legumes, ect can be tricky if you don't do this. Also, 1/4 cup of lentils is not the same as 1/4 cup of Lima beans, so use weight instead of volume for most things as this will even out the differences in shape or form.
- Taking advantage of residual heat when cooking saves me on gas and electricity.
- Learning how to make sauces (mostly for Asian dishes) and dressings from scratch.
- Not buying cleaning products for every part of the house. If you have bleach, dish soap, vinegar, and baking soda, you're pretty much set for any mess in the house.
- Making a list of the dishes you most frequently make
- Setting a time limit for certain appliances. For instance, I'll only turn on the TV after 7pm and I'll try to towel dry my hair to keep hair dryer use at a minimum.
The first point is more of an advanced cooking technique, but very useful and something you should be aware of. A nice technique for salmon that still has the skin on, is to cook it skin side down on medium heat until the fish is halfway pink, then turn off the heat, flip the salmon a let the residual heat cook it for about a minute or two. The exact timing depends on the thickness and material of your pan.
Hi, Sander. May I also add that when I am baking something, I use the cooking eye that is over the oven exhaust to cook my side dish(es) without having to turn on the eye.
Load More Replies...Omg, never do that, it will damage your hair. Once done, you can't undamage it, it has to be chopped off. Always use hair straighteners on dry hair, wait for the heat protection spray to dry too.
Load More Replies...Too much heat from hairdryer usage is bad for your hair anyway. I dislike blow dryers, because one short circuited in my hand when I was much younger. Thing scared me silly, and I refuse to use them, even in the coldest winters. I just wrap a towel around my head if it is too cold.
Americans, please cut down on the bleach! (and also don't drink it ;)
I was boiling potatoes and thought use the steamer on top to steam the veggies, worked great :)
I'm guessing bicarbonate of soda? it's basically the same as baking soda, the only difference is if it is food-grade
Load More Replies...We don't use soap or shampoo. It saves a TON of money, leaves me WAY cleaner (just shower and scrub as normal), it's been great for my skin and scalp, no soap scum to clean off the shower, I don't smell all 'chemically' after a shower, and less plastic waste. And, no, I don't stink at all (even after sweating in the sauna for an hour). My own microbiome does what it's supposed to do.
1. Bartering. I exchanged dog walking services (not daily, maybe once every month), with my neighbor in exchange for her wifi password. Technically illegal? Maybe? but I wasn't downloading anything or watching movies - I just needed to check my email. 2. Installing a woodstove and collecting free firewood in the summer. I was able to go 10 years without turning on the heat in my 2 story house. I'd search on Craigslist for free wood, especially after storms. I did need them to be cut to size (thank you, kind neighbor with a chain saw and pickup truck), but I split them myself with a maul and sledgehammer. This also meant I didn't need to join a gym. lol 3. Working PT at my gym (when I broke down and joined when home workouts lost their appeal.) I greeted gym members 3 hours a week, so in addition to my small paycheck, I got free membership. 4. Only buying used Honda Civics (off Craigslist). I've done this since 1992, so I can pretty much tell by ear if something is wrong. I now know by heart and experience their recommended maintenance schedule for service. Once I hit 60K miles, the timing belt gets replaced (although my current Civic has a serpentine belt instead). 120K - I get the head gasket replaced. Overkill? Probably. I'm okay with that. At 200K, I re-sell them (average $2500). That mileage seems to be the sweet spot between "It's just now broken in" and a lemon. 5. Never paying full price for clothing/shoes. Things like undergarments and socks excluded. :) Normally, I only go through the sales racks without even looking at the regular racks. Disclaimer: It can be very hard at times to live a frugal lifestyle, because the time and research needed to live frugally can be a limiting factor. Also, I am now older (but not "old" lol), no kids, retired, and live on my own. I still gravitate to the clearance racks, but, dangit...if I see something that screams "me", I buy it now.
I totally read that as using your neighbor's WIFE! LOL!
Load More Replies...With cars you also have to consider exactly how they were used before you buy it - eg lots of short trips to shops giving low mileage but lots of wear on starter motor and gearbox. Also the age matters as rubber and plastic parts will begin to perish or harden and crack. Beyond a certain age and mileage the car will have had to have had those parts replaced and a car two years older with higher miles COULD be better for you..
I think those sorts of issues have largely been resolved by increases in material quality and lubricating efficiency in the last 30 years or so (former plow trucks excluded, naturally).
Load More Replies...I don't know about other countries but here in the Netherlands we have this drugstore called Die Grenze. They sell snacks and other goods for really cheap. A while ago they had small applesauce pots (~200g) 6 for €1. I once bought high quality protein bars for €0,25 a piece. I couldn't believe my eyes, I thought this store owner is insane, because normally they're €2 a piece. Other than that mostly sodas and candy. I'd look if there's anything similar in your area. Other than that buying frozen fruit/veggies helps a lot. Very easy to use for smoothies. Also buy meat that's 1 day off from expiration date, it's perfectly edible but most stores here put a ~35% discount on it.
Do the same with French cheeses, like Brie or Camembert : buy at discount and immediately freeze at home. When unthawed, immediatly 'a point' to eat.
"Unthawed" means frozen. I believe you mean thawed:) (My mother-in-law says "dethaw" all the time.)
Load More Replies...If you’re in need of kitchen items, check out public estate sales. Items like dishes, coffee mugs, cooking utensils, flatware, etc. are often sold in box lots, which frequently can be picked up for $1–$2 per box. Plus, you often get older items that are much better quality. I pick out what I want and donate the rest. They’re perfect for someone setting up a new apartment.
Also, it sounds weird, but CLEANING products at estate sales if it is a home where the owner is moving/has passed on. You can get a bottle of Windex, etc. for sometimes as little as 25 cents (partially used but still an awesome deal!)
For YEARS i've made an offer of a couple of dollars on a great big bin of "garage stuff" and made out like a bandit. Fertilizer, soap, motor oil, half-a-can of this or that, etc. It will all get used eventually.
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Marry a frugal person. If you are Frugal and your partner is not, it can be a lifetime of pain. Partner up with a frugal person though and you can encourage each other on the journey and revel in the savings.
Yes, but this could pave the way to just being stingy, so watch out for that. You don't want to end up being that person who NEVER goes out for a nice meal, and ends up bitter in their old age, still watching every penny.
Agree that people should marry people with compatible values. But of course most people make that decision with their hindbrains, not rationally.
Pet insurance. Hands down has saved me thousands of dollars
I apologize , but please do not take dogs that are superoverbred ( whose lifespan is max 6 years) , save the strays ❤️ I have had mine for 13 years and no health issues - mixed as mixed it can be 😍
It’s usually more practical to put the money you’d spend on pet insurance into a savings account. I have a 10yo dog and if I had gotten insurance on her as a puppy, it would have been a complete waste. Routine vet care is easy to save for, it’s the emergency stuff (that a lot of those insurance companies won’t cover) that gets you.
I've saved myself thousands by doing my own car maintenance and repairs. Started with 0 knowledge and was driven by pure spite.
Similarly, buying used electronics on eBay rather than new.
I agree with the used electronics but wouldn't risk carrying out work that I'm not expert in nor do I have tools or ramps etc. If you are going to either an independent garage or a main dealer you can source parts yourself. I had a car that needed really specialist stuff and saved £100s buying from online specialists and using eBay..
Where I live almost all mechanics refuse to use customer-bought parts just to keep their profit margins up. This is the sort of thing government should regulate so they can't do that, but of course almost all government is in the pockets of businesses and don't care about the population they're supposed to serve.
Load More Replies...My first smartphone was absolute c**p, but the best phone to learn how to do repairs. I'm now a self proclaimed expert in the art of replacing screens, batteries, cameras, and speakers in iPhones 7 & 8.
Do chores when the electricity rate is lower. It costs me almost five times less during off-peak hours. Look up when your off-peak times are. It varies by time of year
It sure is! I'd never thought of that! Wow! Thanks!
Load More Replies...Check with your local electrical utility. Historically that's the off-peak time but that has been changing in the last 5 years as more wind and solar power has come online. In some parts of the country electricity is practically free around noontime, and much more expensive at night as an attempt to balance the grid.
Load More Replies...>shopping grocery sales Purchasing a decent sized freezer to put all the 'sale' stuff into so we don't have to eat it in one week! Yesterday, my favourite frozen pies were 40% off. So I bought 5 packs. We probably only eat them once a fortnight, but they can just sit in the freezer. Our supermarkets tend to have different types of meat on sale each week. So, if chicken is on sale, I buy chicken only. Next week will be pork, etc. After a few weeks, there is a nice selection of meats in the freezer. Bulk buys and freeze also.
Make a list. Go up and down the aisle, in your head, chose items for meals for the week. Try to stick to the list. Try not to impulse buy. We've found that with a list we don't pick up the frivolous items, so much. If you do pick something up, it is that little bit more of a treat, if you don't do it too often.
Having a deep freezer also allows you to make items in bulk. We currently have 2 huge bags of homemade sweet potato gnocchi, a bag of homemade arancini, a bag of homemade chiles rellenos, and loads of homemade stock (beef, chicken, and veggie).
Reduced to clear section are life-savers for gluten-free goods. A £3.50 loaf down to 20p? You bet I'm buying all 5 of them, I'll worry about where I'm storing them later. Some supermarkets you have to try different times as well, our local ASDA you could get a carrier bag full of fresh fruit and veg for less than £1 if you hit the reduced section at the right time, the trick is knowing how to preserve the produce so it lasts you a while.
May I add that investing in a Food Saver machine & bags will enable your frozen foods to last as much as 6-months longer than normal. If you don't know what a Food Saver machine is, it produces a vacuum in the bag which prevents freezer burn, etc. of long-term frozen foods. The bags are pricey so I watch for sales & coupons. Also, contact the Food Saver manufacturer for coupons, sometimes they'll comply. I suppose you could try zipper bags since the machine seals the bags; give it a try.
Gaming the Kroger gas points program to save on gas. Before the massive price jump, I regularly paid less than 50 cents a gallon, and was proud to show anyone who'd listen that I had, more than once, paid less than 10 cents a gallon.
My hubby could have written this one. He games that program to the point we once paid about 3 cents a gallon, and he gloated for a week.
How do you game it? I thought the card just gives you a few cents off.
Load More Replies...It's $7.96 per US gallon here for gas. Diesel is a lot more expensive. Buy a bus card..
You guys in the USA have no idea really - here in the UK at the moment we are paying £1.65 a litre (so approx £3.40 a gallon or $4.2 ). Get over it, drive smaller cars, drive less and basically STOP BEING A BUNCH OF ENTITLED TWATS !!!. I speak from experience here - I worked for a family as a private Chef many years ago who thought nothing of driving a 200 mile round trip to visit friends, have a couple of drinks and maybe a bite to eat, then head home - completely preposterous, as were they ; hated every second I worked for them, vile, entitled, whingey, hateful, spiteful, racist (Yes, they were white and from the South) and were monumentally crass in pretty much every way possible. I hated them then and really don't know why I didn't report them to the authorities then or now .....
There's a lot to unpack here, but we should just burn the whole suitcase instead.
Load More Replies...Every bill, expense or purchase I make gets rounded up and transferred to a High Interest Savings account (online, no fees). That ice cream that you might buy at $3.50 looks way different after you round it up to $10. If you go ahead and splurge any ways, $6.50 into savings and you won't miss it. When I get to a certain amount, I buy a savings bond or similar. I've managed to buy off all debt and working on that nest egg... on minimum wage.
This isn't worth it any more. Interest rates are so poor, and they are taxed of course. The best thing to do with this money is pay down any debts you have. The amount you save in interest will always exceed the amount you gain in interest. Of course you should always have emergency finds to hand..
APS. always pack snacks. bonus points if you cut up fruit rather than toss an orange in your bag as you’re much more likely to eat it. i made like 3 dozen muffins at a time and freeze it.
I always did this for at work, was easier than feeding the vending machines with their expensive prices.
Paying extra off your mortgage you would not believe what a difference it makes long term like even $20 per month. And when you get a windfall make an extra payment.
This one may or may not be good advice - at the current mortgage rates I’m better investing the “extra” and paying down on the end of my mortgage. Also depends on t&cs but overpayments are not always free.
Agree! I paid of my 30 year fixed 3.7% in just 3 1/2 years by paying a hundred or so extra a month. Amazing how that little cuts through your principle.
I think I’m Germany all banks allow 5% extra payments per year penalty free. Some banks even allow 10%. If one can manage that it could bring the payment time down from 23 years to 11 years (in my case). Obviously, it depends on many factors. Some people also say it’s better to pay a manageable mortgage slowly but surely over a long period of time, but I’d personally prefer to have that taken care of as quickly as possible. Who knows what will happen down the road and I’d rather have one worry less if it’s somehow manageable.
When inflation is higher than your interest rate, it seems that investing the extra would be a better choice. Right?
Check with your mortgage company to see if they offer rewards. The last time I refinanced, they offered me $5000 off my principal if I made 5 years of on-time payments, which was easy to do.
Before buying anything, seeing it 3 times.
I did something similar when I was younger. I wouldn't take money with me when I went to the mall and I would just look. I would find a shirt I can't live without at the first store and by the 4th store I would find one I like better than the one I can't live without. I would go back the next day and buy the stuff I liked the most. It wasn't about buying stuff I didn't need, it was about buying stuff I actually liked the most once I looked at all my options. Saved me money and I didn't end up with a closet full of clothes I didn't wear.
Load More Replies...Stop getting gas on Friday or over the weekend. Prices ALWAYS go up for the weekend.
I understand from the people I buy gas from (Father & Son shop) is that Tuesday or Wednesday are the best days to purchase gas.
Some of these tips will depend quite heavily on where you live and I have never heard of pay-by-mile car insurance.
Most of these I just thought, "Doesn't everyone already do this?" Then I realized, "No, probably not in the developed world". TLDR: Good tips in the top 20, and get a laundry rack if you can't dry outside due to weather.
Laundry rack is a good idea... we have one. Since we live in India, it is pretty good to dry clothes. the monsoon season is the only time we have an issue
Load More Replies...put up some shade to keep the sun off your AC compressor if it is on the south side of the house & gets summer sun during the day... do not block air flow over the fins... no reason to have the AC fight the heat from the sun on the compressor
a tip I learned from Reddit: If you turn off the beeping machines at the hospital everyone sleeps much better.
I started carrying reusable containers everytime I leave the house. I have a special bag I carry them in, so my husband even grabs it when he goes somewhere without me. Food, drinks, desserts...anything that you would be asking for a "disposable" container. PLUS, if you are watching food portions, you can divide before you start eating. I even used them for plants, when I saw a sign that my neighbor was dividing her plants and she did not have containers. AND added benefit...my containers came from thrift stores. They are silicone or bamboo!!
y. So far as I can tell, high-yield savings accounts no longer exist--online search shows the top ones are paying less than 1% interest, (Some credit cards give more than that 'cash back.") Try to find something like /'investing for dummies' to get started on the safest, simplest types of investment that will pay more. 8. For books and magazines, use your local library. 9. Even if you can't 'cut the cord' of cable TV, you might find the same savings I did: I used RCN, which is officially a "telecommunications" company, for which reason fully half my monthly bill was a LONG list of related fees and taxes. My smart wife switched us to Spectrum, which of officially an 'entertainment' company--and there are no such taxes. Net result: cabled bill cut in HALF.
1. Don't buy bottled water if the tap water in your area is good. NYC has the best water in the USA==clean, delicious--yet people buy bottled stuff by the case. 2. If you have good public transport, use it + walking. Then you can dump your car and your gym membership. 3. Stop living on your cellphone. I have a T-Mobile card for 1000 minutes for $100 for one year--w/leftover minutes rolled over to the next year for $10. So far it has lasted me 3 years. 4. Learn to cook has been, properly, mentioned already (and a copy of 'Joy of Cooking' can teach anyone the basics), but if you must eat take-out, walk to the restaurant, pick it up and walk back. More exercise, no delivery tip, and some owners, once they see you as a regular, will give you some kind of better treatment. And you'll have a human relationship with those who feed you. 5. Stay the hell out of Starbucks and don't use 'pod' type coffee machines (pod coffee costs about $60 a pound). 6. Dry clothes indoors on a rack from Ikea.
If you can afford to, start a "Christmas Club." Every time someone hands you a $5 bill, set it aside. Once a month or so, deposit it in a high-yield savings account. By the time November rolls around, you have plenty of money for gifts. BTW... if you pay a $4.50 charge with a $20, and the checker gives you three fives, ALL THREE go into the club!
I am trying to take public transport a bit. And it is not just environment friendly but also budget friendly. One suggestion would be choosing buckets over showers. You can take a bit of hot water and mix some cold water to make it perfect. less than half a bucket is good enough. My family prefers to shop from our local shop near our house for groceries. Special stuff is from the shop on my way to office. I love getting free ebooks. YouTube has quite a few good stuff online
I buy larger quantities of fruit and vegetables when they are on sale. Then cut it into cubes, slices or pieces and freeze it. I cook a lot more often now because they're quick to use and taste better than canned veggies/fruit. Apart from that, it's also a lot cheaper and healthier... at least where I live (Germany).
Some of these tips will depend quite heavily on where you live and I have never heard of pay-by-mile car insurance.
Most of these I just thought, "Doesn't everyone already do this?" Then I realized, "No, probably not in the developed world". TLDR: Good tips in the top 20, and get a laundry rack if you can't dry outside due to weather.
Laundry rack is a good idea... we have one. Since we live in India, it is pretty good to dry clothes. the monsoon season is the only time we have an issue
Load More Replies...put up some shade to keep the sun off your AC compressor if it is on the south side of the house & gets summer sun during the day... do not block air flow over the fins... no reason to have the AC fight the heat from the sun on the compressor
a tip I learned from Reddit: If you turn off the beeping machines at the hospital everyone sleeps much better.
I started carrying reusable containers everytime I leave the house. I have a special bag I carry them in, so my husband even grabs it when he goes somewhere without me. Food, drinks, desserts...anything that you would be asking for a "disposable" container. PLUS, if you are watching food portions, you can divide before you start eating. I even used them for plants, when I saw a sign that my neighbor was dividing her plants and she did not have containers. AND added benefit...my containers came from thrift stores. They are silicone or bamboo!!
y. So far as I can tell, high-yield savings accounts no longer exist--online search shows the top ones are paying less than 1% interest, (Some credit cards give more than that 'cash back.") Try to find something like /'investing for dummies' to get started on the safest, simplest types of investment that will pay more. 8. For books and magazines, use your local library. 9. Even if you can't 'cut the cord' of cable TV, you might find the same savings I did: I used RCN, which is officially a "telecommunications" company, for which reason fully half my monthly bill was a LONG list of related fees and taxes. My smart wife switched us to Spectrum, which of officially an 'entertainment' company--and there are no such taxes. Net result: cabled bill cut in HALF.
1. Don't buy bottled water if the tap water in your area is good. NYC has the best water in the USA==clean, delicious--yet people buy bottled stuff by the case. 2. If you have good public transport, use it + walking. Then you can dump your car and your gym membership. 3. Stop living on your cellphone. I have a T-Mobile card for 1000 minutes for $100 for one year--w/leftover minutes rolled over to the next year for $10. So far it has lasted me 3 years. 4. Learn to cook has been, properly, mentioned already (and a copy of 'Joy of Cooking' can teach anyone the basics), but if you must eat take-out, walk to the restaurant, pick it up and walk back. More exercise, no delivery tip, and some owners, once they see you as a regular, will give you some kind of better treatment. And you'll have a human relationship with those who feed you. 5. Stay the hell out of Starbucks and don't use 'pod' type coffee machines (pod coffee costs about $60 a pound). 6. Dry clothes indoors on a rack from Ikea.
If you can afford to, start a "Christmas Club." Every time someone hands you a $5 bill, set it aside. Once a month or so, deposit it in a high-yield savings account. By the time November rolls around, you have plenty of money for gifts. BTW... if you pay a $4.50 charge with a $20, and the checker gives you three fives, ALL THREE go into the club!
I am trying to take public transport a bit. And it is not just environment friendly but also budget friendly. One suggestion would be choosing buckets over showers. You can take a bit of hot water and mix some cold water to make it perfect. less than half a bucket is good enough. My family prefers to shop from our local shop near our house for groceries. Special stuff is from the shop on my way to office. I love getting free ebooks. YouTube has quite a few good stuff online
I buy larger quantities of fruit and vegetables when they are on sale. Then cut it into cubes, slices or pieces and freeze it. I cook a lot more often now because they're quick to use and taste better than canned veggies/fruit. Apart from that, it's also a lot cheaper and healthier... at least where I live (Germany).
