Ways to $ave money

Saving money is definitely important in all aspects of life, but especially if you are trying to pay off debt.  The average American household as of April 2014 has $203,163 worth of debt including mortgage, student loans, credit cards, etc. (Source).  I’m almost positive that this number must be higher now.  Our cultural mentality is gimme gimme more more more.  I’ve written about de-cluttering in a previous post.  Less is more, especially when you don’t really have the money.  So, with that being said, let’s talk about some ways to save some dough.  These are listed in no specific order…….

  • IMG_3075Make a Budget and stick to it!  Have a monthly budget meeting.  You can learn more from Dave Ramsey here.  In fact, if you are trying to pay off some debt, I strongly recommend going through the Financial Peace University.  That will give you some ideas and tools to really attack your debt.  Great starting point.
  • Shop second hand.  Consignment shops, thrift stores, used/refurbished online items.  There are many great items in my closet and home that we have purchased used.
  • Cancel monthly trash pick up.  You will have to check with your state to see if you are able to do this.  We live in Delaware and order cards from the state to take trash bags to the transfer station.  There is an upfront cost of purchasing a large container to hold your trash and recycled materials, but it is well worth it.  We were spending about $35 per month on trash and recycling services.  Now, we are spending about $30 per YEAR!  My husband takes a load about every two weeks.  It does take some time, but the financial gain was awesome!
  • Cancel Netflix/Hulu/DirecTV services.  My household has talked about this, but we haven’t actually done it yet.  Families spend too much time watching television when they could be doing other things together.  This not only saves money, but gives a gift of TIME.
  • When preparing meals for dinner, double or triple the recipe.  This also gives you the gift of TIME.  Make two or three of whatever you are preparing and freeze the extras.  It’s not that hard to make more when all of the ingredients are already out.  Then, you have extra meals that you simply take out of the freezer and bake/warm-up.
  • Don’t go shopping.  We stopped going to the mall after doing the Dave Ramsey Financial Peace University.  We were spending too much money on things that we really didn’t even need.  Instead of going to the mall, we take a walk, go to the zoo, etc.  Read more about family activities here.
  • Get creative on dates.  See who can find the best coupon, price, deal, etc.   We like to put J to bed and then do something together at home.  It’s easier and cheaper.  Minimal planning.
  • Call companies and ask for a cheaper rate.  Usually when you threaten to to cancel a service, companies will find all of these great deals for you, which has always frustrated me.  If they can offer it when you complain, why not just give it to me to begin with?!  We have called our car insurance, Internet provider and cell phone provider.
  • Grocery shop using a list.  During your budget meeting, you will need to decide what amount you have available to spend on food.  Use that to meal plan and create your list.  We use the Buy Me a Pie app to create our grocery list.
  • Don’t buy things just because they’re on sale.  This one is really hard for me.  I love a bargain.  But, I was buying things because I liked the price, not necessarily the item itself.  Now, I decide whether I like it before I see the price, and then decide if I will buy it after I see the price.
  • Sleep one night before making major $ decisions.  Buying cars is not a fun process for most people.  Even though you just want to get the process over with, we have found that if you leave the lot and then decide, you are less likely to make the wrong decision.
  • Ditch the drugstore.  Stock up on homeopathic supplies instead of going to the drugstore.  Essential oils, Rescue Remedy, and Sovereign Silver are all great ways to support your body’s systems.
  • Amazon subscribe & save.  If you sign up on Amazon to receive items monthly to save a percentage.  You can have items shipped every month, every two months, or any amount of time.  You are allowed to skip a shipment.  If you get more than one item doing the subscribe & save during one month, you get extra savings.  Read more here.
  • Use the envelope system.  This is another Dave Ramsey trick.  After budgeting, put specific amounts of cash in envelopes.  When the cash is gone, you can’t buy any more.
  • Empty all change into a jar.  When you use cash, don’t pay for things with change.  Put your change in the jar and when it’s full, use it to do something special.
  • Don’t buy clothes.  This was really hard for me.  I love to shop.  And I love clothes.  When you think about it, we really don’t need that many clothes.
  • Use online banking.  Stamps are so expensive!  Save the money on stamps and checks by setting up online banking.  This also saves TIME!
  • Make your own bread.  I love bread.  After looking at the ingredients and doing my own research, I learned that High fructose corn syrup (HFCS) is really bad for you.  Read more about food here.  All the bread that we were purchasing had HFCS in it.  I found a great recipe online here.  It is a process because you make the dough in the bread machine, let it rise, then bake it.  I usually double the recipe.  It is the best bread I have tasted!  Sweet enough to eat plain, perfect for sandwiches.
  • Remove saved credit card information online.  It is much too convenient to make a purchase!  If you know that you have to find the card and enter all of that information in manually, you will think twice about making the purchase.  Online shopping is great, but it can be expensive because of how easy it is!
  • Make breakfast sandwiches ahead of time and freeze.  Stopping at fast food places to grab breakfast on a busy morning is bad for your health and your wallet.  When I was pregnant and eating several meals a day, I would eat breakfast at home, but was ready to eat again by the time I got to work.  Teaching made it difficult because I’m not really supposed to eat in front of the students.  I would bring in breakfast sandwiches and eat one right before the students came to school.  It’s really easy to find lots of recipes for these on Pinterest.
  • Embrace a simplistic lifestyle.  LESS is MORE!  Think birthdays & Christmas…… We decided that J would only receive a few presents for her birthday and Christmas.  Something to wear, something to read, something she wants & something she needs.  Although she is only two, we plan to continue this so she doesn’t learn to expect all of this STUFF.  It makes me sick to hear how much money people are spending on their children for Christmas and birthdays.  The retail industry really has ruined holidays.  I want to teach her about the meanings behind why we celebrate, not set her up for a life time of expectations.

Hope this can help another family!  Money issues always bring tension in a relationship.  Don’t let your stuff take over your life.  Take control of your finances today!

 

 

Published by

Adrienne

Believer, wife, mother, teacher, crafter, natural living enthusiast

4 thoughts on “Ways to $ave money”

  1. hey there and thank you for your info – I’ve certainly picked up anything new from right here. I did however expertise some technical issues using this site, since I experienced to reload the web site a lot of times previous to I could get it to load correctly. I had been wondering if your web host is OK? Not that I am complaining, but slow loading instances times will often affect your placement in google and could damage your high-quality score if ads and marketing with Adwords. Anyway I’m adding this RSS to my email and can look out for much more of your respective interesting content. Make sure you update this again very soon..

    1. Thank you for informing me; I was unaware of loading issues. I will look into this. Glad you were able to learn something new!

Comments are closed.