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If you’ve ever found yourself counting your last pennies before payday, you’re not alone. Research shows that more than one in three American workers are living paycheck to paycheck. And have little to no money left for savings after covering their monthly expenses. They’re known as the “working poor”. Yet experts suggest we should be saving around 20% of our salary every month.

With the rising cost of living, that’s easier said than done. But while it’s challenging, it is possible to put some cash away every month. If you think creatively. Someone recently asked “What’s a tip that has saved you the most time or money?” And people didn’t disappoint.

They spilled their secrets, and some are pure genius. Bored Panda has collected the best answers, to help you through these trying times. Don’t forget to upvote yours and please do share your own creative money saving hacks in the comments.

#1

“The Old Man Was Onto Something”: 35 Money-Saving Tips That Actually Work Get a library card. I've read or listened to over 600 books in 6 years. I've taken courses, got help with tax prep, researched my ancestry, checked out movies, magazines, and CDs, helped a friend attain citizenship, and had my resume reviewed and tweaked - all absolutely free. Most people don't know everything that libraries offer and are sadly underutilized.

Extremely_unlikeable , Abby Chung / Pexels Report

Damned_Cat
Community Member
1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

My library lends out Wi-Fi hotspots and passes to the State parks. Both are really valuable when I'm off on vacation.

Farah the Turtle
Community Member
1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

SSAME I LOVE MY SCHOOL LIBRARY! I love murder mysteries, but my parents always refuse for me to buy anything involving murder (I'm a teen, after all) so I just read there

Liz The Biz
Community Member
1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

My local library closed down :(

Evagating Beewolf (she/they)
Community Member
1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

Plug for the Internet Archive (archive.org). Sadly they're down right now after a DDOS attack/hack, but they are AMAZING. Also see if there's a state library system, in PA even if you don't have a local library I believe you can access the POWER library, which includes many resources and free 24/7 online chat (!). There are also some libraries that offer (free or paid) non resident library cards. For instance, again in PA, you can get a free Free Library of Philadelphia card if you live in PA. There are TONS of resources. (For what it's worth, if you live near a university, many offer public access, if not check-out, to the public. For instance the University of Pittsburgh's Hillman Library.) List of libraries with nonresident library cards: https://everyday-reading.com/where-you-can-get-a-non-resident-library-card/.

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leendadll
Community Member
1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

[edited to correct spelling] Also: Hoopla and Kanopy are free streaming services via library vards. I know there are music sites too.

Leigh James
Community Member
1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

I know about Kanopy but have no knowledge of Hoola?

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ILoveMySon
Community Member
1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

As a frequent visitor of my library, I often take them baked goods as they are incredibly helpful.

Riley Quinn
Community Member
1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

I assume my city's library system doesn't differ from others across the nation and offer discounted tickets to museums, shows, and other events.

RELATED:
    #2

    “The Old Man Was Onto Something”: 35 Money-Saving Tips That Actually Work Store brands are sometimes just as good as name brands.

    Mamaofthreecrazies , aleksandarlittlewolf / freepik Report

    The Doom Song
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Where I work I get a 5% discount on all the store branded products

    Joshua David
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I had a gig like that in the 90s for Osco D***s. Anyone remember Osco? But yes, we'd get a much better discount on our own branded items. We also sold Osco brand alcohol so there's that.

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    Janissary35680
    Community Member
    Premium
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Store-branded products are frequently made on contract between the supermarket chain and major-brand products. I know for a fact they are where I live.

    Lori Beauchamp
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Same product oftentimes with different packaging.

    Steve Robert
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Because it is the name brands that make the store-labeled goods.

    keyboardtek
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Many store brand items are from China. Dry food goods from China can be pretty awful. Boxed raisins that smell like a musty warehouse. Root beer soda that gives one an instant headache. Weird smelling granola cereal.

    WindySwede
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    And also food scandals. like the one they reclaimed grease from the sewers, and used in food. Heavy metals in milk and so forth.. no thanks.

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    Fora Nakit
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    More often than not, store brands ARE name brands just in different packaging.

    Data1001
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Yeah the keyword being "sometimes"... if the difference is less than a buck between store brand and name brand, I go for the name brand. I've run into many off-label or store brand products that just aren't as good, so it's not worth the little bit of money I save. And if it's something that I'll be using for months -- like plastic bags or many paper products -- I'll go for the name brand every time these days.

    Pyla
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    And they are made by the National brands anyhow.

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    #3

    “The Old Man Was Onto Something”: 35 Money-Saving Tips That Actually Work Looking at price per Kg/500ml instead of just buying the cheapest. Also adding the items up in your head before you purchase them.

    PipeDazzling6860 , senivpetro / Freepik Report

    Dragon mama
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    In the markets around me (USA) there is no consistency in the metric used. The same product could be measured in $/unit, $/oz, $/g or $/100 units and so on. Literally the bigger size and smaller size of the same item from the same company using different units. It even worse across the various brands. It's infuriating and makes comparison shopping very difficult and time consuming

    Regina Holt
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Dragon Mama speaks the truth! So frustrating.

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    CanadianDimes
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    If you live on your own, the price per kg isn't always the best indicator either - it depends on how perishable the item is. I had to stop buying items that were a better deal per kg but bigger and I wouldn't go through them. If it's non-perishable, then yes, I definitely use that though!

    Riley Quinn
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Since stores began listing the unit prices, shopping is so much easier. I've seen products on sale, but the unit price is higher than the same product in another size.

    Maisey Myles
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I’d always buy the ‘better value’ until I became an empty nester. There’s no value in throwing out uneaten food

    Learner Panda
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Large "family" packs are not always the best deal. Check the price per 00g or per unit.

    Laugh or not
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Why 500mL? Why not just liter? (But yes, look at the price per weight or volum.)

    Len Hill
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Yes! Here in New Zealand the supermarkets are notorious for making the large pack dearer per kg than the small pack. So 2 small 500g packs of sugar are cheaper than the 1kg pack. They do it with everything.

    Huddo's sister
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Wow! In Oz, supermarkets are well known for ripping people off, but that's one thing they don't do usually, probably because they have to list price per kg etc on the shelves.

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    Nitka Tsar
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    But beware. If you know you need only 1 bell pepper and cannot or don‘t want to use more or have no place to store them, then buy just that 1, even if a 3-pack is cheaper per kg!

    Zaach
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    In the US stores randomly show price per pound and price per ounce - pisses me off

    Steve Robert
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I used to keep a running total in my head when grocery shopping while at uni. Now I don't have to!

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    An obvious way to save money is to budget. Instead of just hoping for the best. There are a few strategies you can use when it comes to budgeting. One of them is known as the 50-30-20 rule. Basically, you allocate 50% of your salary toward things you need. 30% goes to things you want. And the remaining 20% is for your savings or investments.

    Then take it a step further by using your some of the tips and tricks on this list when buying the things you need. For example, ordering your groceries online and picking them up. Or not going to the grocery store hungry.

    #4

    “The Old Man Was Onto Something”: 35 Money-Saving Tips That Actually Work Never start smoking.

    I look at how much cigarettes cost and I am so glad I didn't keep up the habit after trying smoking in high school to fit in with my friends. I didn't like how it made my breath and fingers stink so I only went through two packs, decided it was not for me then never smoked again.

    CMelody , SmartSign / Flickr Report

    Angrykitten
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    You can't get addicted to something you never try. Addiction destroyed both sides of my family. I decided really young to just stay away from d***s. And i limited alcohol for years and now just don't drink at all. Just isn't worth the risk.

    Ms.GB
    Community Member
    1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    I know a couple of people that got addicted to pills after their Dr's. prescribed them. Honestly I don't think opiates should ever be prescribed unless you're a burn victim or something extreme like that. It SHOULD be the very last resort but Dr's used to hand them out like candy or at least like prescription strength tylenol. So many sad stories of people who got addicted that way.

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    Rose the Cook
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I had an Aunt who smoked and the smell of stale tobacco that covered her designer clothes and otherwise immaculate appearance is why I never smoked.

    WeeBitOfSumfin
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    My husband is a smoker. He smokes at least a packet a day. I think it's even more but he won't confess. Yet we never go on vacation together because it's always too expensive. B******t.

    Slowdown
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    And you still chose to marry him. Glad it's working in your favor.

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    Captive
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I know someone who started smoking at 24. Imagine. After school and high school, now you start

    CanadianDimes
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I had a teacher do that when I was in junior high! Right at the time they were teaching us about not smoking. We made fun of her, a lot.

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    Susan Reid Smith
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    My sister once asked how my husband and I could afford so many vacations. This was the answer.

    Riley Quinn
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I love how the younger generations aren't picking up this habit. The ban obviously had a major impact on young people's choices. Unfortunately, when I started smoking it was a common habit, found anywhere from street corners, to movies/television shows, to college classrooms, and doctors' offices. And they were cheap, cheap, cheap. Now I roll my own because the price is prohibitive. And spare me from the quitting advice, as if I've never attempted. After nearly 60 years, I've resigned myself to this last addiction. We all gotta die from something.

    Joshua David
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Smoking had my life in knots. I started very young and am embarrassed to admit the age but i continued the habit until 6 years ago. I now have ZERO tolerance for it.

    Mr.Li
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    All of my smokerfriends are telling me, to never start smoking. It was the dumbest decision in their life

    Rebecca McManus
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Week 4 of quitting, so far I've saved £320

    SkippityBoppityBoo
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I agree... But please don't start getting 'holier than thou' and sanctimonious about it. Someone on here once compared cigarettes with taking heroin. Fair enough analogy, NOW, but at that point in time? A neighbour who had dealt d***s, got convicted for it and I'd been a witness in the court case against him. A lot more too happened. He'd just died a month or so before. There was so much connected with his death that affected us all. I remember saying that I'd take a few cigarette butts on the street over trying to get home and going past someone shooting up in our stairwell. Having to call the specialist council team to come pick up, remove needles from the street. All the other things that happened after, the repercussions of his death after. So while smoking is a hot potato? I'd still take it over d**g use any day of... Eternity.

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    #5

    “The Old Man Was Onto Something”: 35 Money-Saving Tips That Actually Work Buy good tools. C**ppy tools don't last. You wind up paying more over the long term than if you just bought good tools in the first place.

    Also good tools make jobs go faster.

    BoredBSEE , senivpetro / Freepik Report

    Funhog
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Crappy tools can also break while using them, resulting in injuries. Crappy tools frequently rust faster than good-quality tools.

    AndyR
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Or degrade faster. Or outright fail to do what they're supposed to.

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    Regina Holt
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Buy good anything. Cheap stuff is cheap for a reason. You have to pay for quality.

    Mr. Toast
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Yep ! Banned by family member from Aldi tools. Made to get Makita. Used Makita Impact driver to build a large deck from foundations. 100s of screws some pretty heavy duty for the joists. Makita still going strong...

    Beth Wheeler
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Absolutely for a big job like that you need a good name brand tool. I have 4 or 5 Ryobi battery powered tools and a couple of other power tools from Walmart that was for a small specific job. It's a tool that my son doesn't have and won't be used very often and it was who I could afford at the time. Building a whole deck is something I will have to pay somebody to do.

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    Zaach
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Most good tools have a life-time warranty against breakage, friends have found broken tools at Goodwill type places and had them replaced

    SkippityBoppityBoo
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Always try and buy the best as you can afford with anything really I guess. My granddad taught me about tools and I have a drill set tool box that means I can do minor or emergency repairs in my home, emergency until the repair team can get here to properly fix it. Oh! Also buy a roll or two of good quality duct tape. I've emergency fixed water leaks before now, fixed my caliper shoes together etc with duct tape! Loooove Duct Tape!!! 😄

    Huddo's sister
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    My dad will buy cheap tools to start off, to work out which he uses most often, then replace those ones only with better models. If the cheaper ones work well enough for the minimal use they get, why replace them.

    parajared
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    More budget friendly Harbor Freight tools are getting closer to being of similar quality to high-end tools like Snap-On, Dewalt, Milwaukee but sadly I mean this in the worst way. These great American tool brands seem to be going the way of marginalizing profit margins at the expense of long-term quality. Having done some large steelworking jobs it's sad to see a "Hercules" brand grinder outlast a Dewalt.

    Mark Ward
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    All depends on the tool. 30 year master tech, wrenches the only way to go is snap on, no other wrench grips the same, however snap,on electric tools are unreliable garbage, Milwaukee are far superior, more power, 5 yr warranty vs snap on 1 yr and rarely fail. Snap,on scanners are 10 years behind autel and are triple the price. For Sockets, matco, cornwell are decent but will wear after several years of use. HF iicon series for tool boxes is identical to a few of the snap on boxes at around 30% of the cost.

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    #6

    “The Old Man Was Onto Something”: 35 Money-Saving Tips That Actually Work Replacing shopping as a hobby with actual hobbies.

    snarkymlarky , Image by freepik Report

    The Doom Song
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I can't think of anything worse than spending hours shopping. Such a waste of time and money

    StrangeOne
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    You have to shop for the stuff for your hobbies, and that is often expensive. I took up oil painting. I could have saved a ton of money by learning how to paint with water colour, using cheap paint palettes.

    AndyR
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    My hobbies are photography and cooking. I'm financially ruined lol.

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    PhaseWitFact
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    So true! I hate shopping but then end up shipping for my hobby

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    Justin Tyme
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    But then you need to shop for hobby supplies.

    MonsterMum
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Buying hobby supplies can add up

    Maisey Myles
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Being ADHD, I’ll over shop at the hobby shop for hobby that I’ll never finish

    Avoidance_Panda
    Community Member
    1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    As a Warhammer 40k collector and painter.... I think shopping would probably be cheaper...lmao

    Daya Meyer
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Shopping as a hobby is a thing I don't understand in the first place. It is stressful and exhausting to me and in the end one day is lost. That is my personal opinion but spending money is totally not enjoyable for me.

    Huddo's sister
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    For me, shopping as a hobby only applies to op shops (charity/thrift stores) where there is thrill in the chase of bargains and the unexpected things you find. All other shopping (not that I buy much brand new) is so boring and tires me out.

    View more comments

    If the 50-30-20 is too rigid, you could try the 80-20 trick. This is when you put 20% of your salary into savings, and spend the rest on whatever you need or want. Either way, financial experts advise that you always try to set aside 20% for a rainy day.

    It might seem impossible to save a fifth of your salary every month. But you'll be surprised what you can achieve when you get creative. There are some clever ways to free up your spending money, and use it towards savings. As many of the netizens featured here have revealed.

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    #7

    “The Old Man Was Onto Something”: 35 Money-Saving Tips That Actually Work Knowing how to sew.

    JustJJeal , freepik Report

    Susan Reid Smith
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Sewing whole garments is expensive. Knowing how to mend saves money and by lengthen the life of clothes and helps the environment a bit.

    quentariel
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Sewing garments totally from scratch is quite expensive. However there are a lot of bargain bins and cheaper fabric options. The cheapest for me is to source a too big, unflatrering clothes from the fle market and then totally turning them into something different. And my sewing machine is like 20 years old.

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    On the right side of the turf
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Learn to sew on a button. It's a start, it serves me well when I first moved away from home. You would be surprised how many garments you can save by fixing a simple button

    bElLa sTairZz
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    couldnt get a 40$ jacket, made an arguably better one. cost 6$

    Riley Quinn
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    My father taught me how to sew, and I still do, although not as frequently due to poor vision. If for no other reason, learn to sew to mend clothing and not add to the landfill.

    Kari Panda
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Can anyone recommend a website or book to learn basic sewing, especially for untalented people? I‘ve tried so often (just small mending stuff), but I‘m so bad at it that it always comes out uneven and ugly.

    WindySwede
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Nothing particular, just YouTube in general. Video and explanation is a good combo for me.

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    #8

    “The Old Man Was Onto Something”: 35 Money-Saving Tips That Actually Work My father telling me to never go to the grocery store hungry. When I first moved out i used to get high and go grocery shopping and spend tons of money on random snacks.

    Once I realized the old man was on to something I'd always go grocery shopping shortly after having a meal and spent dramatically less.

    D-BO_816 , Image by freepik Report

    S Bow
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I know this is common advice and probably good advice for a lot of people, but there are a few like me, if I didn't go to the grocery store hungry I wouldn't buy anything.

    Grundel County
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I'm the same. I go to the grocery store on a full stomach all the time, buy the essentials, and then get mad later when I'm hungry again that I didn't buy any extra tasty treats.

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    Id row
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I once went hungry and stoned. The cashier asked me if I was hosting a kids' party. I don't have kids :/

    Riley Quinn
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I'm a list person. I keep updating the list on my phone until shopping day. The only time I'd be persuaded to veer from the list is for a sale that's too good to pass up. As for high-calorie snacks, I simply don't go down those aisles because I don't need to test my will power in public.

    Tabitha
    Community Member
    1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    I learned all this after having to—-not wanting to, but having to—-move out of my parents’ house, get a full time job, and move into my own apartment at 18 (the relief of not having to deal with them was amazing, as I could make my own decisions instead of having someone else trying to control my every move, AND come home and actually relax—-that kind of autonomy was exactly what I needed, though it involved a lot of trial and error while learning how to be self-sufficient). My rotten parents never taught me anything about running my own household before then, so I had to figure it out by myself by trial and error. Here goes. Make a grocery shopping LIST—-use a magnet to hang a small notepad on your fridge so you can write down what you’re going to need the minute you see it’s running out—-so you know what you need, and then stick to it! Unless you see something at a deeply discounted price that may never happen again, stick to your list. Further than that, plan what you’re going to eat, or want to eat, in order to make your list. Also scan store flyers for sales and clip or print out coupons! When the sale is really good, buy some extra and store it properly, so you can use it in the near future. We have a freezer, so if something like meat, or frozen foods, or something else with a longer shelf life, is on sale at a REALLY good price, we’re able to buy extra and have it on hand for future meals.

    Maisey Myles
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Don’t go grocery shopping after smoking a fattie!! Or you’ll have ice cream, Little Debbie and a can of green peas for dinner

    Mr. Toast
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Get the munchies in a food shop what could go wrong ?

    Huddo's sister
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    It doesn't make a difference to me. I am just as likely to buy junk if I'm hungry as if I'm not, because I stick to a list unless I have a little more money to spend.

    Scott Rackley
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Yes, eat before grocery store. However, do not drink before you go to the liquor store.

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    #9

    Shop second hand first! Very good for the environment and your pocketbook.

    Goge97 Report

    EM
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Yes to both. Also it helps to create a more individual style for you and for your home.

    Justin Tyme
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I have been amazed by the number of times I went to a thrift store and found exactly what I wanted.

    Tabitha
    Community Member
    1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    A lot of secondhand stuff is barely used, or unused and like new. For clothing try shops run by groups like the Junior League. They may not be open 8 hours, or even every day, but those women have donation quotas to meet, and will often shop for various items if they don’t have enough, so some items are brand new. Also, many people clean out the closets of relatives who have passed, and find unworn clothing with the tags attached and unworn shoes in their original boxes, along with vintage pieces in mint condition, which they then sell as secondhand or consignment, or donate to charity—-or their Junior League neighbor. I have gotten some really nice stuff secondhand. Furniture, clothing, appliances, dishes, pots and pans, you name it. For the longest time, I was poor and on my own, with no real support network or safety net to fall back on if I needed it. So I HAD to learn to look at secondhand instead of running to the store to buy new. Sometimes, people just don’t know the quality of the stuff they’re giving—-or throwing!—-away. But I do, so I now have pieces of furniture that are solid wood and not pressed sawdust c**p, and pieces of clothing and shoes that are well made and some are even designer pieces. My husband is amazing at repairing stuff, and he has picked up things like a leaf blower someone had tossed because it stopped working, and a table saw setup that the owner was tossing for the same reason. Both times, it turned out to be a very cheap part that had broken or worn out. My husband would get the model number and brand off the broken piece, do a bit of online research, find and order the replacement, and fix those major tools that others were just going to send to the landfill. If something is in decent condition—-not threadbare, nor broken, not worn out—-and someone else could get quite a bit of use out of it, then donate instead of throwing out. Just don’t treat Goodwill like an alternative garbage dump.

    Hellcaste's Wife
    Community Member
    Premium
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    After having been exposed to both scabies and bed bugs from second hand stores, I will politely pass.

    parajared
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    and if you get sick of it and want to sell it, you can get most if not all your money back.

    Stephanie Did It
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Just be sure to thoroughly wash or dry clean EVERY garment you bring home before storing or wearing them! Second-hand and thrift stores sell clothing as it came in off the street and you don't want someone else's ick on you or your things.

    mft760
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    So everyone is getting the new iphone 11 and Samsung s9.?

    Julie S
    Community Member
    Premium
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    What's a pocketbook?

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    Are there subscriptions you could do without? Are you wasting money on takeaways? Do you have bad habits (like smoking) that are depleting your bank account? Have you considered making gifts instead of buying them? Scroll through this list and find the tips that work for you. Then implement and stick to them.

    #10

    Time-shares are a waste of time and money.

    HeartonSleeve1989 Report

    Ms.GB
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I still hear commercials for lawyers to help get you out of your time share so I guess it's still a thing.

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    Riley Quinn
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I have a vague memory of sitting in one of those time-share meetings. I had misunderstood a promo I saw and landed in a hotel room with a bunch of strangers listening to some guy yammering on about the beauty of time-shares. The depression was palpable among us sad sacks.

    Bobert Robertson
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Absolute lie. Just need to know what you're getting into, but it's been a blessing to us. We have a 5 week/year time share for 55 years, cost $50k and makes us go to the cottage, the weeks we can't use we can rent for $3k. Radically for $200/week we have a 3 bedroom cottage with pool, lakefront, docks, beach, tennis court and much more. Best decision ever if you use it.

    Bobert Robertson
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Also the maintaining work that comes with cottage ownership is non existent - show up, relax.

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    #11

    “The Old Man Was Onto Something”: 35 Money-Saving Tips That Actually Work Public transportation. This was particularly good for me, as my company pays for my orca pass. It was costing me about $600 a month to drive to work and pay for parking (between gas and parking fees) and the commute was about 2 hours long because of traffic. Since then, parking fees have gone up about 40% and gas prices have risen, so it's probably more. Now I ride the train to work every day and I'm at work in an hour. Doesn't cost me a dime.

    SweetCosmicPope , Image by freepik Report

    The Doom Song
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    They are fixing the train line where I live so I've had free public transport with my pass for almost a year. It's saved us quite a bit of money

    Farah the Turtle
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    While our transport isn't free, its for 50 cents each ride wherever you go!

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    Justin Tyme
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    There is no public transportation in my local area.

    Tabitha
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Depends on where you live. Not all areas have reliable public transportation—-or any at all. So your alternative is to have the most fuel efficient car you can afford, and plan out how much and how far you’ll need to drive in it, like swinging by the grocery store or wherever you need to complete an errand that is also right on your way home from work, instead of the other one that’s too far out of your way, so you don’t unnecessarily burn extra fuel.

    quentariel
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I really wish my employer would buy our bus cards, but no. Although it's still quite manageable amount with 55€ per month. Having a car is completely ridiliculous amount of money compared to that.

    Huddo's sister
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Even though the state government has capped the regional train fares, I still haven't used it to get to Melbourne much. Partly because most of the time there are track works so busses replacing them, meaning it takes 3x as long!

    Huddo's sister
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    When I was a student and living in Melbourne though, I exclusively used public transport, because I didn't get my license until I was 26! It meant I could add money I would otherwise have used for petrol, insurance etc, to my savings account. When I got my learner's at 25, I had enough to buy a new car outright.

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    Zaach
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    And the RapidRide helps the commute also - I lived on the E-line around 105th and it was about 20 minutes to work

    Riley Quinn
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I moved to the city I now reside in due to my memories of the excellent mass transit system. Unfortunately, it had gone quite a ways downhill in those intervening years, so it's not as efficient. But, I still use it and I appreciate being able to get around the city for far less than owning a car would cost.

    Miryaa
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    The nearest public transit is deep downtown. It's a 10 minute drive to get there, so I just drive. 🤷‍♀️

    Menno
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    In The Netherlands we used to have a pretty good PT system in the ‘90’s, but 2 decades later there’s not much left of it, sadly enough. It became very expensive, unreliable and inconvenient. We’ve seen the same sad trend in education, health care, energy, safety and so on, all because our government pushed off these responsibilities, thinking that leaving it to “the market” would improve things. It didn’t. And yet we still pay taxes like the old days, when the government was responsible.

    Mike F
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Holy cow! I've never spent $600 a month for transportation in my life! That's obscene.

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    #12

    When you want to buy something (and you earn your wage hourly), consider how much the product would cost in hours worked instead of just the cost in amount.

    lolasworldxx Report

    [>.<]/
    Community Member
    1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    Now first deduct what you need just to live from your hourly wage. Then you know what part of your wage is free to spend. Then divide the price of the thing you want to buy by the part of your hourly wage that is free to spend. Then you know how long you really work for something.

    Riley Quinn
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Oh, absolutely view purchases this way. It really puts the item desired into perspective.

    Linda Riebel
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Check out the book Your Money or Your Life. Takes that idea and turns it into a workable program.

    Zaach
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I have also heard that you should calculate how much money you would have to have invested to return enough to pay for the item (this assumes you do have a 401k-like retirement plan) ALSO, if your company offers a contribution match, FFS take the free money

    Hiram's Friend
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I always consider how many six packs the purchase would buy.

    If you're already living on a tight budget, another option is to increase your income. Either through a side hustle, by working extra hours at your current job, asking for an increase, or applying for a higher paying position elsewhere. Earning extra money doesn't have to be a painful experience. For inspiration, check out how these people earned quick and easy cash.

    #13

    To save money, drink water. Don’t order a soda with your meal. It adds up fast.

    Phydeaux23 Report

    The Doom Song
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Stop drinking soft drink all together. Great for the wallet and your health.

    Ace
    Community Member
    Premium
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    You'll save a lot more by just eating out less often,

    Justin Tyme
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Also, soda is carbonated sugar.

    StrangeOne
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Also, when at a restaurant, order off of the appetizers. Often it's just the right amount of food. When it's me and my kid, we like to order a shareable platter. Soups tend to be underrated. A French onion soup is SO good.

    Freya the Wanderer
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    When my grandma and I ate out, sometimes we would order three appetizers and share them.

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    bElLa sTairZz
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    want to know where these people are living where soft drinks are more expensive than water??

    Learner Panda
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Too many drinks are very high in sugar. Diabetes is not fun.

    Huddo's sister
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    We were only allowed to have soft drink (soda) on special occasions when I was a kid. Partly to save money, partly for health. We were also only allowed one cup of juice (in the first 4-5 years diluted with water) a day. Otherwise it was milk or water, and I still do the same (though more tea than plain milk) for the most part. I don't buy soft drink at the supermarket, except sugar free ginger ale or tonic water, and don't buy take away in general, and I don't miss it. I'm glad I was raised to value money and my health.

    Brian Droste
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I don't drink sodas any more with my meals. I drink unsweetened tea. But stills cost me.

    Riley Quinn
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I have a can of Squirt one day a week. I don't need the additional calories, nor the sugar, in my daily diet. And, although there's no concrete evidence that soda causes osteoporosis, some studies have shown it may increase bone density and fractures.

    Donna Peluda
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    yea and just eat bread, it's cheap and has loads of nutrients.

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    #14

    “The Old Man Was Onto Something”: 35 Money-Saving Tips That Actually Work In all honestly, looking at my spending nearly on a daily basis. It’s easy to forget about the small purchases, and those add up quick.

    The more you have your eyes on it, the more you will be on yourself about spending. Then it almost becomes like game or challenge to see how much you can save once you get some good rhythm going.

    Probably not the answer you were looking for, but I hope this helps.

    ketchupandcheeseonly , wayhomestudio / freepik Report

    Zoe's Mom
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I have a friend that carries a small note pad and writes down EVERYTHING she spends money on. She didn't realize how much money she was spending eating out.

    Liz The Biz
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I only ever buy exactly what I need and nothing more.

    Brian Droste
    Community Member
    1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    I have a spread sheet on my home computer that I keep track of all my spending. Been doing this since the last recession. So about 2009. I get receipts for everything and when I get home I enter them on my spread sheet. I keep all my receipts for the whole month.

    Tabitha
    Community Member
    1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    I discovered a long time ago that it’s so much easier—-and way less exhausting—-to budget when you have enough money to cover all your needs. Otherwise, you’re just trying to figure out how to rob Peter to pay Paul (how much you can underpay one bill or many bills to pay another unexpected one) or which bill you can skip paying entirely this month and pay next month without being cut off, because you had an unexpected expense like car repair or medical emergency.

    iseefractals
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    People tend to fixate on whether or not they spend money on "big" purchases, and ignore the cumulative cost of the daily trickle spending.....this is the point that so many people dismiss by mocking those who bring up "avocado toast" or "coffee"....but it could be anything so long as it's a regular spending habit. Smoking, booze, fast food or wasting food, driving short distances, fast fashion garbage that you don't need, which is gonna fall apart in a few months anyway, buying bottled water or single serving beverages that are marked up 5x. All of it adds up, and every wasted dollar is a dollar that could have gone towards a much more worthwhile long-term goal. I quit smoking, on a whim on my 30th birthday, just about 11 years ago....and since then every day, instead of wasting that money on something else, i stick what i would have spent on smokes into savings. $35,000 and change and counting.

    Riley Quinn
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I'm very conscientious about my spending, because it's true, those little things add up quickly and are just as quickly forgotten until the bills arrive. If there's a surplus at the end of the month, then allow yourself a bit of a splurge.

    Maisey Myles
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I’ve been seeing an ad for an app that shows if you are paying for subscriptions that you don’t use, or are for someone else,, etc. How about checking your bank account?!? I mean, if you’re money conscious, do you need an app to point out the obvious?

    Luis Hernandez Dauajare
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    My grandmother used to say "look after small expenses. Big ones look after themselves."

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    #15

    “The Old Man Was Onto Something”: 35 Money-Saving Tips That Actually Work Meal prepping has been an absolute game changer for me.

    HannaZukiXOXO , Image by Freepik Report

    The Doom Song
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    We do at least one big cook a week and freeze half of it. Then on thise weeks we are a bit strapped for cash we play what I like to call "container roulette"

    Farah the Turtle
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Recently, Ive learnt to make fried rice. My mum cooks a bigggg pot of rice, and puts the remaining in the fridge. so now I can make fried rice

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    StrangeOne
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I tried doing this. It just felt like a day off was reserved for preparing meals for the week. Then I had to inspect the meals midweek and later in the week to make sure they're still edible.

    Caro Caro
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I understand. But when cooking food you can frrrreeze (😁) make double or triple portions and freeze that. It does help when you are pressed for time. Take it out in morning, put in fridge. You come home and all you need is maybe 10 minutes to heat. As to prepping for a whole week, just prep for 3 days - that too will make a difference.

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    Zoe's Mom
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Batch cook. I freeze cook meat in several different containers. When ready to eat, I then spice it accordingly. Not only does it save money, but time too. I do the same with rice. I don't spice it because my dogs eat it too.

    Jenny Mason
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I don't have a big enough fridge or freezer for this. We have nowhere in the house where a larger one of each would fit.

    N.
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I can't really get into meal prep, because it's just a bunch of leftovers. But!! I'm all about making a huge vat of soup and freezing it and throwing the frozen bricks in my lunch for work. Pasta sauce freezes well too, and cooked ground beef/turkey, maybe with Taco seasoning or Italian?

    Huddo's sister
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I don't have a problem with leftovers, because I only cook for myself so I will have leftovers regardless so it makes sense to freeze all bar a couple of portions so I can grab varied meals to defrost during the week, like I otherwise would with frozen meals from the supermarket. I need to stop making so much soup though, because often ends up being the main thing left when I've had a lull in energy to cook and I get sick of it!

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    Dr Jimmy 03
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    My awesome spouse & I almost always overcook (volume, not temperature) and enjoy great lunches later in the week.

    L B
    Community Member
    1 year ago

    This comment has been deleted.

    In the event that you cannot put away 20% of your salary, remember that something is better than nothing. Even if it's $10 or $20 a month, you'll eventually get into the habit of not touching a portion of your paycheck. And the money will inevitably grow. By the time you're able to put away more, it'll hopefully already be second nature.

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    #16

    “The Old Man Was Onto Something”: 35 Money-Saving Tips That Actually Work Cancel Amazon Prime.

    If you find yourself needing/wanting to order something on Amazon, as you check out it will say something like "do you want a free/$X trial of Amazon for free overnight shipping." Accept the offer (if it's less than shipping of course), finish checking out, and immediately go cancel the sub. Cancelling doesn't interfere with your free shipping.

    As far as I can tell, you can do this any number of times. The first few times the trial is free. Eventually you do have to pay, but it's still cheaper than keeping an active subscription unless you're buying stuff on Amazon every week.

    If you're buying stuff from Amazon every week my money saving tip for you is to stop buying stuff from Amazon every week...

    Solesaver , Image by freepik Report

    SkippityBoppityBoo
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    This one very much depends upon your circumstances. I don't mind paying extra for Amazon Prime because I can get cheaper deals for bulk buy items, other things such as clothes that I can't get anywhere else. I regularly order a bulk buy of toilet paper, cleaning/laundry products and other things such as facemasks that I either can't find elsewhere or due to my disability I can't just go to the shop and carry it home. The loo roll though? It works out at around 7p per roll delivered to my door rather than 20p plus per roll from the shop that I've then to figure out how to carry it back! Oh and being able to watch certain things on Amazon Prime Video when you're at the hospital waiting for your turn but they're running late, so you use their WiFi to watch a film! Or if there's been a huge storm and your TV reception gets knocked out! I've ended up watching some pretty weird films when ours did! 😄

    SkippityBoppityBoo
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Edit - I've two hand wind-up devices to be able to charge my phone if the electricity goes out. One small just for my phone and the other also had a torch and a radio on it. We had a number of power cuts here last year. I need my phone in case I slip, fall in the dark which did happen. I was okay but I'd need to phone for an ambulance or phone the NHS helpline if it was a bad fall. Those two items I got via Amazon too. I've replied before about how I do feel guilty for buying things after watching a documentary about the work conditions but at the same time? I need this service so... How do we fix it? Like... A boycott wouldn't work. So? What do we do to try and get better working conditions? Then there's the side of - These are needed jobs for some people. You can't pay the bills, keep a roof over your head if you've no job... Been there, done that. There's no real easy solution to it all from a consumer point...

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    Alessandra McIntosh
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    With prime comes prime video, photos, etc, and we use those other services in addition to the shipping. My way to save from overbuying with them is to put the items I want (not the things I need) in my cart, then click "save for later". I almost never end up buying those things later

    Mike F
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    But the "extras" that used to make it worthwhile are polluted. Video now is overrun with commercials/ads, overnight shipping is now 2 day shipping (if you're lucky), and the list goes on.

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    Freya the Wanderer
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I haven't bought a thing from Amazon in years. There are alternatives. Also, when you shop at brick-and-mortar stores, what you see is what you get, you receive your merchandise immediately, and you don't have to worry about porch pirates.

    Ervin Conn
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Use Amazon for a price base and then look around online for a better price. You can usually find it for less.

    Joshua David
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I work at the UPS Store and can concur. We do amazon returns and you can really get to know a person with returns. The #1 in returns is Chinese products/clothing. Things Temu has for 9 dollars less than it's being sold on amazon. Its just crazy to see it all.

    Data1001
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Are you seriously recommending Temu over Amazon? There's a reason their stuff is cheaper, lol.

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    Trevor Hardy
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    In the UK here and noticed if you choose free shipping instead of signing up for prime next day delivery, it shows as a longer delivery time when quite often it still comes next day

    Geoffrey Scott
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    My SIL warns about "drunk shopping".

    WubiDubi
    Community Member
    1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    In the UK use a collection point, get rewarded for doing the 'last mile' yourself and you don't meed Prime. The default is still not free, then change it to slower delivery and it will be. You can get this delivery free on most items.

    Ruth Watry
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I live in the middle of nowhere (2 1/2 hours to the closest interstate) and could not get by without Amazon (there is a lot of stuff that I cannot buy locally)

    George Costanza
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Don't even need the free Prime trial. As long as you spend $35 you get free shipping from Amazon. So just save items in a wish list and when you get $35+ worth then buy. I've never had Prime for anything other than the rare free trial they offer me and I've never paid for shipping from Amazon.

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    #17

    “The Old Man Was Onto Something”: 35 Money-Saving Tips That Actually Work Don’t get too attracted on cheap/discounted items. It’s fine to purchase but the question is, do you really need it?

    HY90CR1T3 , Kurayba / Flickr Report

    Libstak
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    If it's food, I'll happily amend my upcoming cooking to include, especially if it has an extended time before expiry, or what I am replacing it with is gonna last long enough for me to safely use up both over time.

    Geoffrey Scott
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Cannot convince my wife on buying day of expiration (meat). If it has good color and is otherwise presentable, I can freeze it or cook that day.

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    sturmwesen
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Don't overdo bargains. I had to stop buying shampoo with coupons because my hair needed a different product and I still had 3 bottles shampoo and conditioner. If you buy food because it's cheap make sure you eat it on time.

    Huddo's sister
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    This is the trap my mum falls into. Buys food 'on special' or 'clearance' because it's cheap, and then half of it sits in her fridge and goes off because she doesn't use it! I prefer to set my menu and buy only those ingredients. If they are on special, great, but either way I think it works out cheaper in the long run and is definitely more eco friendly.

    ROSESARERED
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    It's only a bargin if you need it, otherwise it's expensive rubbish

    ADJ
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I often buy from that one counter with discount prices, with products nearing end of shelf life. If I am gonna eat it today or tomorrow, I save 30-50% of the retail price. Regular sales and promotions are really tricky, some are genuine, some are just to get more money from you.

    Maisey Myles
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Something that costs $49 is $50!

    Miryaa
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Before you buy that futon from Walmart, check how much cheaper it is on Amazon.

    AndyR
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Also do your research. Is it a genuine offer? Is it already obsolete?

    Donna Peluda
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I use an app called "out of milk" to make my shopping list. You can add the normal price so when you see an offer you can check to see if it really is a good deal or not.

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    #18

    Always make a shopping list before going to the store. It keeps you focused, prevents impulse buys, and saves you from extra trips back.

    General-Policy817 Report

    Maisey Myles
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I make a list in ‘Notes’ on my phone. As I put each product in my cart I delete it from the list. I stay focused on what I need

    Traveling Lady Railfan
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Better than a grocery list, I've found, is preplanning each days meal. Then make your list based on the ingredients for each days meal, and buy only that. Made shopping so much faster/easier/streamlined/cheaper for me

    SkippityBoppityBoo
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    If I'm only going for one or two things? I always write it out on the back of my hand! I'm hopefully less likely to lose my hand than my shopping list out of my pocket or bag!

    Brian Droste
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I make a list so I don't over spend but to remember what I need to buy. But I will have to admit if I didn't have a list, I probably would spend more than if I have a list.

    Ms.GB
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    You'd think so wouldn't you 😏

    Subaru645
    Community Member
    1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    I type the items in a text mssg to myself

    Linda Lee
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I shop online for groceries once a week. I pick them, no delivery charge. If I forget something, I get it the next week. I don't walk into the store, so there are no impulse buys.

    Cathy Jo Baker
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Or do grocery pickup as somebody stated in a previous post here.

    Ace
    Community Member
    Premium
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    A shopping list is fine for those things that you definitely need, but does not mean you can't buy anything else that's not on it.

    Lewis KR
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    It's a list about ways to save money though...

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    WeeBitOfSumfin
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    And don't forget to leave your youngling at home! I hate shopping with my kid, she always wants something, forces me to buy s**t we don't need, doesn't let me focus on my list and has tantrums.

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    #19

    Using the internet to learn how to do something rather than paying a "professional" to do it for me.

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    Captive
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Shout out to all those Indians and their videos helping me out countless times

    Lewis KR
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Fine for putting up a shelf or laying a floor. Not fine for fitting a boiler or rewiring a house etc. Trades are regulated for a reason

    Robert T
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    That depends very much what that something is. If it is safety critical, pay a professional. Your life is worth more than the money you saved on codging it!

    Cathy Jo Baker
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Right but some things are worth paying for. My idiot former sibling said I should learn how to tile using videos to tile the backsplash in my mom's kitchen in Florida and save money. Right, because after shelling out $$$ after insurance paid to finsih a rebuld after water damage, it would be great idea to scrimp on the backsplash.

    The Darkest Timeline
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    It’s definitely a decent option if you feel confident you can learn it and already have the tools to be able to do the job. But always be prepared to call a pro if you get in too deep. Many people overestimate their abilities which can lead to trouble.

    S Bow
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    The school of YouTube is a good resource for learning how to do things yourself. I've learned drywall repair, plumbing, installing flooring etc., and have saved myself tons of money.

    Brian Droste
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Usually with me I see something that needs fixing or doing and I think this will be a easy fix or to do. Then I run into problems and I get frustrated. So I rather hire a professional to do it.

    Andrew Bridge
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    However do be aware of what you can do yourself and what you really should pay a professional to do

    Riley Quinn
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    YouTube videos have saved my butt on more occasions than I can count. All hail YouTube DIY videos.

    Scott Rackley
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    This could absolutely bite you right in the a*s. If it's water, electricity, felling trees, etc.; call the professional. Nothing like joe six pack flooding his house because youtube convinced him he could handle it.

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    #20

    “The Old Man Was Onto Something”: 35 Money-Saving Tips That Actually Work Buy the cheapest thing if it’s an experiment; the most expensive if you know you’ll use it forever

    praxistat , senivpetro / Freepik Report

    quentariel
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    This tip is really good if you had money to buy anything but the cheapest in the first place. It costs a lot to be poor, but you can't just pop out money out of the thin air when you need something.

    Geoffrey Scott
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Yes...but.. I have purchased the inexpensive model first, just to see if I would get good use out of it. If so, I upgrade.

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    PhaseWitFact
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Try to borrow if you're not sure if you want it or won't need it for long.

    Scott Rackley
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Always spend the most money on things that keep you off the ground. Shoes, tires, bed

    Mark Ward
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Excellent advice.....also touched 2 items that are involved in my profession, good quality work boots are worth every penny, cheap ones may say oil resistant but they will swell and fall apart very quickly. People also underestimate the importance of good quality tires, they are the only component that touches the road....the amount of people that spend a fortune on rims that look cool and then to make it affordable they put on the cheapest tire possible

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    ILoveMySon
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    We purchased used sports equipment when available for our son when he wanted to try a new sport. If he enjoyed the sport we would upgrade. I cannot count the times the used equipment was only used a few times by other children who lost interest.

    Frank Hassler
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Never buy the most expensive thing, it’s always a rip-off. Never buy the least expensive thing, it’s always junk.

    Vinnie
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    A friend's brother would go top-of-the-line first and his wife (a housewife) wanted the best of everything. That's how they lost their house and ended up poor. He's still ordering the expensive hamburgers when his daughter takes him out.

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    #21

    Asking myself, “Do I really need this?” before purchases. .

    shotsallover Report

    Ariom Dahl
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Yes, learn the difference between 'want' and 'need'.

    Tabitha
    Community Member
    1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    Yes. Like standing outside a store in winter and being cold because you don’t have a coat. So you go inside the store, buy a coat, and suddenly you’re not cold outside anymore. That’s a need—-actually, warmth is a basic need. Now, standing outside a store in a warm red coat in winter and thinking you’d rather have a brown coat instead, then going inside the store and buying a brown coat, is a want. You already had a coat, but just wanted a different color coat. You didn’t NEED a brown coat instead of a red one, you just wanted a brown one too.

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    Brian Droste
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I do this. I see something I might want and ask myself do I really need this and do I have room for it. If the answer is no, I don't buy it. Especially if I don't have room for it or can't think where I will put it.

    MoMcB
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    If I see something I want on a website, I'll put it in my basket/wish list or favourite it. I then leave it 2-3 days before going back and checking it- 9 times out of 10, I don't buy it.

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    #22

    Depending on where you live, getting a window fan. At night, the inside of my house is insanely hot and the outside is very cool. Opening the windows isn't enough, but a window fan pulls all that cold air in and cools the room within minutes. It has saved me probably thousands in air conditioning costs over the years.

    jerwong Report

    Traveling Lady Railfan
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Agreed!! Except if you live in a place with high humidity.....in which case, only a/c dries the air

    Mike F
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    And we have lots of skunks here. They create quite a stink in the night.

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    Elchinero
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    No "cold air" in Savannah ...

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    #23

    “The Old Man Was Onto Something”: 35 Money-Saving Tips That Actually Work Go through your last 3 months of bank statements and see if anything can be dropped you don't need like subscriptions you forgot about. It'll also make you realize what you're spending on.

    brokenmessiah , zinkevych / freepik Report

    Geoffrey Scott
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    My wife complained to the car insurance folks about the latest increase. Found out our local credit union membership qualifies for a discount. Also we had a $100 deductible, raised it to $250. Ain't much, but it helps.

    Stephanie Did It
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Some insurance companies offer discounts for safe driving records, so if you have no accidents or violations for a decent interval then ask about lowering your rate.

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    Robert T
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Keep and eye on direct debits for utilities. My MIL's electricity supplier kept upping the monthly payments based on estimated bills as they had failed to come and take a meter reading and my housebound MIL was unable to supply one. When I finally read the meter, she had pay several thousand pounds over what she should have and I managed to get it returned to her.

    SkippityBoppityBoo
    Community Member
    1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    Very much this! I know exactly how much I used to use before we were made to have smart meters. I didn't have a choice in the matter of having one. I had to start taking daily screenshots of the meter because OVA energy was charging me £4.20 to nearly £5 a Day for my electricity. I got most of it back as they credited my account £70. But they've swapped me over to Pay Monthly without my consent, had me on a higher tariff than I should've been on. It's settled now but I still keep an eye on it because I don't want to have to take screenshots of proof of payment or photos of my meter and smart meter ever again. I budget for my pay as you go electricity, food, other essentials, expenses. Robert T I'm so glad that you managed to get it returned to her, I can't imagine what it must be like for those who don't know how to or don't have someone helping them.

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    Riley Quinn
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Anything I subscribe to, such as streaming services or digital subscriptions, is filed on a spreadsheet that I update when prices change. This way, I keep on top of my expenses. I regularly go through my bank and credit card statements to ensure my identity hasn't been stolen.

    #24

    Using reusable shopping bags and containers can save both time and money. Also reducing the need for single-use plastic bags and containers.

    AshLustful Report

    Freya the Wanderer
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Reusing the plastic bags you do get as trash bags

    Guess Undheit
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Folding metal carts for the supermarket. You can bring them on a bus, they fit in a taxi's trunk. And they last 5-10 years if you take care of them. I also have a folded cloth shopping bag in my backpack that I carry every day to work.

    Brian Droste
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I totally agree. Also use reusable water bottles instead of buying pre filled water bottles.

    Tabitha
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    But buy good, sturdy reusable shopping bags. If they’re strong enough, you would be amazed at just how much stuff they can hold. Not to mention they won’t tear like the plastic bags or cheap flimsy reusables do. What would normally be ten of the plastic bags’ worth of groceries can fit in two or three of the stronger, larger, reusable bags—-and if their straps are long enough, you can sling them on your shoulders to carry them instead of cutting your hands in two with the handles on the plastic bags.

    Riley Quinn
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    My daily meals are delivered in a good quality plastic bags, which I save and donate to local thrift shops to keep their costs down.

    Allen Schleeter
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Don't forget to clean them once in a while.

    Geoffrey Scott
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    We usually remember to bring ours when shopping. Carrying 3-4 bags vs 10 plastic bags, also an insulated bag for cold stuff as we have to drive a 1/2 hour to a big box.

    ILoveMySon
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    If you have a vehicle, you can put the bags in it after unloading. I started doing this years ago and it works.

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    #25

    “The Old Man Was Onto Something”: 35 Money-Saving Tips That Actually Work Grocery pick up. I don’t go in the stores to shop. I order online and pick up when ready. This way I do not grab things not on my list. Plus I save time cause I’m not walking the aisles…..

    missionwonderwoman , Image by Freepik Report

    StrangeOne
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    This is alright if you own a vehicle. If you take a bus or walk, you'll need to see how much you can carry back. Produce can be surprisingly heavy when it's all together in one bag. If a clerk is bagging your groceries, some tend to put all the heavy stuff together.

    Don't listen to me
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I have for years now a shopping bag on wheels. Takes me everywhere.

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    JessieJ&LilyLovebug
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    This is how I got 3 expired yogurts and 1 gallon of milk expiring the next day...so, no thanks.

    Justin Tyme
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Stores are trying to promote online shopping. I have often gotten a discount by paying online before going to the store.

    ROSESARERED
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I do this too. My favorites are saved on a list. I buy what's needed first, and then stock up on the products I use regularly that are on special

    Riley Quinn
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I'm tempted, but I don't trust people to choose the best out of the pile. As long as I can still shop, I'll do it myself.

    Miryaa
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    No. I'm not letting a minimum wage Walmart a$$ pick out my meat.

    Amelia Jade
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I started doing pick up during covid and I never looked back. I do a pick up order every week. It really does cut back on impulse buys.

    James King
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I want my eyes on the meats and produce I'm buying, not some stranger who may not even know how to cook the items I need.

    SkippityBoppityBoo
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I use Deliveroo quite a lot, especially if I'm having a bad day with pain but always make absolutely sure if you're ordering food online that you check or put in "no substitutions" especially if you've food allergies. I've not used the pre-order for the supermarkets I use but I can definitely see how useful it can be if you're working/busy with appointments etc and don't have time to go in to do an actual shop especially with cutting down on Impulse Buys.

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    #26

    “The Old Man Was Onto Something”: 35 Money-Saving Tips That Actually Work When something breaks. Don’t throw it out. Try to call/email warranty first. A portion of the retail price goes to fund the warranty account.

    randomshitifind , bublikhaus / freepik Report

    Robert T
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Also look out for product recalls. My MIL stopped using her tumble dryer as there was a lot in the press about them catching fire. It was miles out of warranty. I checked and it was one that had been recalled. Contacted the manufacturer and got a brand new replacement, including installation and removal of the old one for free!

    Geoffrey Scott
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    TRUE! I have, even without a receipt, had shoes, a pencil sharpener, and other items replaced. They expects pics of the defect, or model/serial# for tracking.

    Joshua David
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I've had this where i would have to send the item at my own expense where it'll take up to 90 days to get back. By that its sometimes just easier to get a new one.

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    #27

    Making gifts. People seem to enjoy them more too.

    CarrotNo9203 Report

    Susan Reid Smith
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Making gifts can get expensive too if you're not careful.

    Zoe's Mom
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    True. I sew (simple things) and make jewelry. Sometimes it's cheaper to buy but not as personal.

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    Riley Quinn
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Ditto for cards and wrapping paper.

    PhaseWitFact
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    We get the gift bags from discount stores for cheap and reuse year after year. The rule is if you get to keep the bugs your gifts were in. So the bags get passed around a lot between family members.

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    Freya the Wanderer
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Or, make donations to worthy causes in other people's names. A donation to an environmental defense organization for a nature lover, for example.

    Vinnie
    Community Member
    1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    I tell folks to donate in my name - it saves me from crappy gifts.

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    #28

    “The Old Man Was Onto Something”: 35 Money-Saving Tips That Actually Work Don't consider the maximum mortgage that you qualify for as your upper range on price. Not that *I* necessarily would have but I would have been completely house poor if I had and I do know a lot of people do fall into this trap.

    With our current house we would have qualified for something about twice the price because of all the equity we built in our first house.

    Smyley12345 , Drazen Zigic / Freepik Report

    Jane Jayne Jain Jeign Jein
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Definitely this - don't let the banks encourage you to stretch yourself thin on mortgage payments, because you never know what's down the road. When you're looking for a mortgage, download an amortization spreadsheet from the internet and it'll show you how much interest you will save by making overpayments when you can - especially at the beginning of your mortgage any overpayment can be worth three times it's value in saved interest charges. But you can't do this if you've already stretched yourself to the max. And if you build up an overpayment balance it could save you if times get hard later on and you need a payment holiday (depending on terms of your lender).

    Geoffrey Scott
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    You can always add on, if needed.

    Tabitha
    Community Member
    1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    The best thing to do is figure out how much your total monthly payment will be, including property taxes, HOA fees, etc, and see if that amount is comfortable—-not your max, but your true comfort zone. Then factor in utilities, upkeep, and potential repairs to put money aside for. After that, add in your credit cards, car payment, groceries, clothes, medical needs (medications, regular checkups, etc), student loans you’re still paying on, and any other various personal bills, as well as important stuff you’re putting money aside for (vacations, college funds, retirement). If you can afford all that and have something left over as a cushion, then that’s the price point you should be looking at. Turn a deaf ear to the salesperson’s spiel, and all the horseshit they throw in to persuade you to spend more than you can afford, as they’re just thinking about getting a bigger commission out of the sale, and not what will really work for you. (Worked in real estate accounting for over a decade. Though there are exceptions, and they really do need to be treasured, most of the agents I knew were just like most commissioned salespeople I’ve ever met; the greediest, and nastiest—-unless of course you were buying from them—-POS people I ever had the misfortune to come across.)

    Zaach
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Buy the least expensive house in a good neighborhood rather then the most expensive house in a poorer neighborhood

    Dr Jimmy 03
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    If at all possible, get out ahead of your mortgage by paying more than the minimum monthly. Wife & I are ahead of ours by a couple of years.

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    #29

    “The Old Man Was Onto Something”: 35 Money-Saving Tips That Actually Work Keeping my freezer stocked with pre-cut veggies to add to easy meals. Mix peppers, onions, etc. Stir-fry mixes as well to add to pastas or eggs or whatever. That and an air fryer, before that my adhd left me almost setting things on fire because I'd forget they were in the oven.

    fakeblondeponytail , Image by freepik Report

    badger
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    save money by setting a timer instead of buying an airfryer.

    ROSESARERED
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    If you are a couple or single, an airfryer will save money on electricity...it uses less and is more efficient...and the whole house isn't getting hot while using it

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    Brian Droste
    Community Member
    1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    That i why I use a timer all the time. Many years ago I was boiling some hotdogs. I put the water and hotdogs in the water and put them on the stove thinking I will remember to check them in a little while. I forgot all about them. After some time I smelled a burning smell. All of a sudden I remember the hotdogs. I hurried into the kitchen. All the water evaporate and the hotdogs were sticking to the bottom of the pan. From that time on, I always used a timer.

    Otto Katz
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    that cutting board is terrible! That paint is lead based, I can tell from the way it's all cracked, BP this is a terrible picture!!

    Elchinero
    Community Member
    1 year ago

    This comment is hidden. Click here to view.

    Frozen vegetables? Nope ...

    Amanda
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Most frozen vegetables are flash frozen at peak freshness, which means they are just as good as the vegetables you grab off the produce aisle (used to work in flash frozen food)

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    #30

    Buy once cry once…meaning, buy the quality item the first time instead of the similar but cheaper quality item over and over and over. Kitchen knives, winter coat, appliances, mattress, work boots are quick examples I can think of.

    SuperDuper___ Report

    Riley Quinn
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Again, I have to toot the Thrift Shop horn on this. Buying high quality brands that are a bit out of style is so much better than leaning into fast fashion that won't last, exploits employees, and adds to our burgeoning landfills.

    Tabitha
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Just try to find styles that are pretty much timeless instead of faddish. Or learn to sew and redo or repurpose your secondhand items. Remove faddish things like extra ruffles and added embellishments, or straighten out asymmetrical hemlines, or use the fabric to make an entirely different piece. I would rather reuse or repurpose than throw out something that still has some use. A shirt that’s well made can be worn for years, worn out sleeves can be removed and it become sleeveless, the best of the fabric (not worn looking) can be used for other items like throw pillow covers, and anything g worn can be repurposed as rags before being tossed. I don’t know if it’s because I was raised by two Depression Babies, or that a I myself was poor for a lot of years when I was starting out, but I really prefer to “use it up and wear it out” before I toss it.

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    StrangeOne
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Price can be deceiving, though. I bought, what I thought was, a high quality pancake flipper. It broke and started disintegrating after about a year. But I've had cheap kitchen utensils last a long time.

    Rebecca McManus
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Bought a pair of Timberlands 8 years ago, £125, still going strong, I think they'll outlast me

    Gogubaci
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    one of my mantras is "I'm too poor to buy cheap stuff"

    WubiDubi
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    WFH decent office chair. I got a slightly worn one. Saved 70%.

    leendadll
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I once heard advice to consider how long you use the item per day... aka: good mattress because yiu spend hours there every night. For me, tgat also applied to getting a car that I enjoyed because my daily commute was loooong (public transit would have been 4 hours each way).

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    #31

    “The Old Man Was Onto Something”: 35 Money-Saving Tips That Actually Work Everyone’s saying meal prepping etc. missing the wealth enemy: **cars**.

    The difference between a new and a 5-10 year old car could be $50,000.

    As long as you don’t make that mistake (most people think they deserve a fancy car), you don’t have to worry about the smaller things as much.

    WhenTimeFalls , senivpetro / freepik Report

    Libstak
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    To me a new car is exciting and exotic for the first few drives, but you need it to get somewhere all your life...the best living is at the destination, ultimately you will go to more places, do more things and get more out of actual living with a cheaper car and more disposable cash in your wallet.

    Otto Katz
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I buy a new car because I don't want to buy someone else's problem. BUT. I drive that new car on average 15 -17years. I think I get my money's worth out of them.

    Tabitha
    Community Member
    1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    I’m driving an ‘09 basic economy car (couple steps up but still basic) right now, which I bought brand new, and which is in nice shape considering its age. Working from home for the last four years really lowered my average miles driven per year, and reducing the wear and tear on it. But sometime in the next year or two it will be time to replace it with something new, another basic economy car like I have now, just updated (as I really don’t want or need something fancy or flashy), which will also be driven for well over a decade—-as long as it’s not a lemon.

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    Brian
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    My wife recently bought a SUV. Yes, it’s 5 years old, yes it has just under 50,000 miles, yes she shopped for 2 months to find it and yes she paid less than half of original price for her Swedish luxury land carriage!

    Zoe's Mom
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Not sure where this person lives, but the $50,000.00 seems a bit exaggerated. A car for me is a way to get from point A to point B. I had to replace my 20-year-old car since the engine froze. I knew I was on borrow time with it, so I started to save money for a new car. A 2023 Nissan Kicks ran me $25,800.00 out the door, cash. Long story short, If you can pay outright for a car, do it.

    Ace
    Community Member
    Premium
    1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    Well yes, of course there are many cars that cost less than 50k, but many that cost a lot more. Arguably the most economical way to run a car is to buy at one-two years old, sell at five-ten before it starts costing a lot in repairs. It varies in different countries, depending on how strictly controlled vehicle standards are. For example here in Switzerland cars need a very thorough test every three years or so and need to be pretty much in perfect condition, no rust, no loose bits, etc. so older cars are more expensive to run than in some surrounding countries.

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    Learner Panda
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    A new car devalues as you drive it off the forecourt. Also, an older model should have had all the little bugs ironed out.

    Vix Spiderthrust
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Yes, I believe cars depreciate 50% in their first month.

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    Data1001
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Having bought used for most of my adult life, I was very happy to be able to afford new cars at a certain point. Used cars are always a risk. But... I think if you stick to purchasing used from a reputable dealer, and not just some schmo on the street who swears the vehicle is in great shape, you'll be a lot better off, and will in most cases be fine. Still a risk, but often worth it when you consider the difference in how much you're paying for it.

    Tabitha
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Get the VIN number and check out sites like CarFax or vehiclehistory.gov to see if the car has been in a major accident or had more owners than the salesperson told you. Then look in the most recent Kelley Blue Book for the up to date value, and be brutally honest with the condition to get the actual value. Be sure to test drive it too. Bring along a mechanic friend who can also drive it and both listen and feel for anything weird, as well as look under the hood and underneath to be sure nothing’s worn out or cracked or bent. Don’t be dazzled by the paint job or snazzy styling, or the cup holders, because it’s the engine and frame you’re driving, and they have to bee in good shape to keep you safe. Cars are a big expense, and most of us aren’t in the tax bracket to pay cash for one, then throw it away and buy another if it breaks down or we just don’t like it anymore. So we have to be really careful when buying our cars.

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    whiterabbit
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    The last two cars I bought had rebuilt titles, meaning they were totalled out then most likely bought at auction from a shop and repaired. They are significantly cheaper and the place you're buying it from will have the info on why it was totalled. My current one is a Subaru with less than 35k miles on it for $13,400. The one I had prior was a 2 yr old Subaru with 30k miles for $14,000, I had it for 4 years with no issues until it was totalled again on a deer.

    Guess Undheit
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Cars are a waste, period. If you REALLY need private transport, get a scooter. But use public transport instead - no license, no repairs, no fuel cost, no maintenance, no parking, etc. And no driving either, use your phone safely on the bus or subway.

    Vinnie
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    My husband rents a car maybe 2-3 times a year. Otherwise, he bikes and we both walk or use public transportation.

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    Geoffrey Scott
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    We normally get a 1-2 yr old vehicle, still under warranty. Buy the extended warranty, especially now with modern engineering.

    Elchinero
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    "froze"? Learn basic auto maintenance. Like, check oil, water, etc.

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    #32

    Learn to maintain and repair your own vehicles. A little intellectual curiosity here goes a long way.

    Saturated-Biscuit Report

    Rose the Cook
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Surely this only applies to older models not the latest compuerised vehicles.

    Robert T
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Depends what it is. I refuse to pay someone to fit a bulb or change a wiper blade, but jobs that require getting under the car, I tend to leave to the workshop. I have diagnostic software for my more modern car. Things I can do topside on my classic like changing the gaskets on the carburrettor, I do myself. Changing the oil is actually easier to let the workshop do it, as they dispose of the old oil for me. I did the coolant not long ago and although I could take it to the council disposal site for free, I had to sacrifice my 5 litre container. Garage would have done it for me for £25 or so if I supply the oil/coolant.

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    Hiram's Friend
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    The days when you could rebuild your carburetor on the kitchen table are long gone!

    Riley Quinn
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    It also helps if you're stuck on the side of the road and know how to make those quick repairs on the fly. Loved working on my cars and rebuilding engines. Right up until they became mobile computers.

    Mike F
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    What's your money worth to you? $20-25 to change a cabin air filter worth 15 minutes of your time?

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    Zoe's Mom
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Learn to at least know how to change a tire.

    Guess Undheit
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Or stop driving cars. Use public transit. Get a bicycle or an ebike. Or if you're obsessed with unnecessary speed during commuting, a scooter. 150cc scooters top out at 100kmh, and can be bought for ~$3000 cash, the same money wasted on three car payments.

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    #33

    “The Old Man Was Onto Something”: 35 Money-Saving Tips That Actually Work Set a strict online spending curfew. For me, it's midnight. Absolutely no purchases once the clock hits 00. Obvious exceptions are things like bills or textbooks I forgot to get sooner. But anything I don't need? Nope. Not happening after midnight.

    an_ineffable_plan , Image by Freepik Report

    Zoe's Mom
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    One can do allot of damage before midnight. ;o)

    StrangeOne
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Always pay your essentials first, like bills and money owing. Whatever you have left over, that's your grocery and savings budget. Always consider you have less to spend than you technically do. Open a savings account that is not attached to your debit or credit card, and requires you to call the bank or go in person to take anything out. Taking away the convenience of spending will keep the money out of sight, out of mind.

    Deborah B
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Just put it in your shopping basket, and don't check out. Most of the time I forget what it was I thought I wanted. End of the week/month go through the basket, and see if there's anything there you still want/need, and how much money you have left. The pepper grinder/oven tray/door mat may still be a yes, but the adorable dino-ladle or novelty tea-strainer is not actually a requirement.

    Bobette McCann
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I have a 24 hour rule. I shop and put things in my cart but don't buy them. If I go back 24 hours later and still want them, I buy them.

    SkippityBoppityBoo
    Community Member
    1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    As soon as my money comes into my bank, midnight or 12.30am? I pay my necessary bills first. My phone comes first because I've to pay a few other bills via apps. Can't do that if I've been cut off! My phone provider is brilliant because I can pay, say, £10 a week towards it to help not having a huge bill all at once and if I'm in credit or I've been overcharged? They'll take that amount and take it off the next bill. Ask if your phone provider will do that for you too. It helps to spread the cost.

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    #34

    “The Old Man Was Onto Something”: 35 Money-Saving Tips That Actually Work If you can’t afford two, you can’t afford one.

    kannasri , Andrea Piacquadio / Pexels Report

    Chonky Panda
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I think I understand what this means and I agree. Basically it means that you should never be completely out of money. I'll try to give an example, but English is not my first language. Say you want to buy smth that costs e.g. $10, and you have exactly $10 in your bank account. You can buy it, but that does however mean that you have zero money left if an emergency or something else would happen. If you instead wait until you have $20 on your account, you have enough to buy said item AND have extra money in case you need it later.

    Kat
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I think, they might mean, don't put all your eggs in one basket....🤷‍♀️

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    Data1001
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I would amend this statement. If you are wanting to purchase an expensive item, don't buy it unless you are able to replace it if it breaks.

    Greg Gates
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Interesting. So only buy a house if you can afford 2 of them, got it.

    Ace
    Community Member
    Premium
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    What the hell is that supposed to mean?

    Tabitha
    Community Member
    1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    Exceptions being a big ticket item like a house. Most people will never have enough money to buy one house, much less two. So that’s a case where you have to factor in all your expenses, including the mortgage, insurance, HOA fees, upkeep and repairs, etc, to set your price point before even looking. Actually, the same thing goes for renting, and most major expenses, tbh.

    #35

    Using a credit card with a good bonus points program. I use it for autopay on monthly bills and all other expenses. I can use that for gift cards or cash back, it's free money. If my card is compromised it doesn't hit my bank account because i never use my debit card for anything.

    RandomBloke2021 Report

    Bec
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Almost all the companies I have bills to pay for have started charging 3-5% for using a credit card. I had to switch all the utilities and insurance to auto draft from my checking account. I set reminders on my calendar just to make sure everything goes through and there are enough funds

    Ace
    Community Member
    Premium
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    It's illegal in most places to levy an extra charge for credit card use (or even just to offer a discount for 'cash' which is effectively the same thing).

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    Robert T
    Community Member
    1 year ago (edited) Created by potrace 1.15, written by Peter Selinger 2001-2017

    There are very few credit cards with good bonus point schemes. I had one many years ago that paid 1% cashback. These days I'd be lucky to get 0.1%. I get more out of my supermarket loyalty cards!

    Beeps
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Unfortunately, these are becoming very rare. I recently tried to switch to a better cash back credit card, because mine had reduced the amount it paid out by a lot over the years that I’ve had it. I spent several hours comparing different cards, and it turns out that the one I already have is still the best one available, even though it isn’t as good as it used to be any more.

    ILoveMySon
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    If you are in the US, check out FNBO. It has an amazing rewards program. Like OP, I use it for utilities, etc.

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    Vix Spiderthrust
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    If you're in the UK and are planning a holiday abroad, always buy your holiday on a credit card, then pay it off straight away. Why? Because under the terms of the Consumer Credit Act 1972, the credit company is liable for force majeure failure of any purchase over £100. So if the travel company you booked with suddenly goes bust, your credit card company has to reimburse you.

    Brian Droste
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    A few years ago I started to use my credit cards. Then I would getbconfused what credit cards I used and how much I had on each one. So I paid them or so I thought. The following month I get a bill in the mail for two credit cards.

    Kerry Carolan
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    Not a concern at all if you use the apps from each of your credit cards

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    Miryaa
    Community Member
    1 year ago Created by potrace 1.15, written by Peter Selinger 2001-2017

    I got so many free gift cards from Amazon back in the day...

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