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  #91 (permalink)  
Old 03-27-2016, 04:11 PM
AllieRambles's Avatar
WAHM Regular
Join Date: Nov 2010
Location: California
Posts: 55
Smile Plan ahead and don't buy what you....

I am pretty frugal. And with my recent drop in hours at work, i really need to cut back.

1. I try to plan ahead. I plan grocery shopping with a list and stick to it. Plan vacations with most meals "eat in" like sandwiches and cereal we make. Plan any shopping trips with lists and don't divert.

2. I really do try to buy only what I need to survive. Ok, I know this is impossible. So splurge but buy good quality and buy something you know you will continue to enjoy for a while, not something that will not be of interest tomorrow.

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  #92 (permalink)  
Old 03-31-2016, 02:37 PM
regina42's Avatar
WAHM Regular
Join Date: Oct 2014
Location: Arkansas
Posts: 27

I love Dollar Tree!
I buy most of my hair products and lotions there.
  #93 (permalink)  
Old 04-04-2016, 02:51 AM
clg671's Avatar
WAHM Regular
Join Date: Sep 2015
Posts: 48
Default Get organized to save money

1. Automate your savings
2. Use price-comparison apps
3. Slice and dice your bills
4. Keep goals front and center
5. Use browser extensions to save money
6. Set reminders to check your budget
7. Streamline electronically to save money
8. Bookmarks sites to save money on cooking
9. Take advantage of bill averaging
10. Avoid temptations
11. Set an amount for a 'cash cushion'
  #94 (permalink)  
Old 04-05-2016, 09:40 PM
Lori786's Avatar
Awesome WAHM
Join Date: May 2008
Posts: 658

Nice tips, everyone Every tip helps. It's surprising how much you can actually save if you really put your mind to it and work to a plan. I would encourage everyone to do that, instead of just going with the heart.
  #95 (permalink)  
Old 04-12-2016, 04:43 PM
jay42's Avatar
WAHM Regular
Join Date: Apr 2016
Posts: 26

Well shop online as much as you can. I have found that I save around 20% when I do. I find deals and I deal with the waiting. It is easy and cheaper and most places offer free shipping when you spend so much so it makes it even more worth it.
  #96 (permalink)  
Old 04-18-2016, 02:35 PM
IPW IPW is offline
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WAHM Professional
Join Date: Apr 2016
Posts: 16

Originally Posted by MariaThompson View Post
I love Dollar Tree!

My Top 10 Tips for Saving Money:

1. Turn off TV & lights when not needed;
2. Only heat the rooms you use;
3. Find offers, coupons, discounts for almost everything I purchase;
4. If I'm considering a big purchase, I wait 2 weeks to decide if I want it.
5. Write lists before going shopping;
6. Repair stuff instead of buying new;
7. Ask for reduced rates from credit card company;
8. Eat less snack foods;
9. Don't drink or smoke;
10. Swap books and music with my friends.

Would consider using some of those tips.
  #97 (permalink)  
Old 04-26-2016, 06:09 AM
Registered WAHM
WAHM Professional
Join Date: Apr 2016
Posts: 5
Default Pay yourself first

Too many people forget to save money. They spend what they earn, living paycheck to paycheck.

Try automatically transferring money into some sort of savings. e.g. $50 a month, $100 a month, or whatever you can afford. That money will be out of sight and out of mind. Then be frugal and live on the rest.

The Wealthy Barber book talks about a barber who didn't earn a lot who made it a point of always saving 10% of his earnings. It took time, but he eventually became a millionaire.

Being wealthy isn't the same as being rich. Being wealthy means asking yourself how long you could survive if you lost your job etc. So it means keeping expenses down and having assets/savings.

Some people earn a lot more than others, but then they buy a big house which means that they have a big mortgage and big taxes and big utility bills and they need to furnish that big house, etc etc. And then they struggle to buy anything else, even including groceries. So they are technically "rich' but not as wealthy as someone who earn less, but is frugal and pays themself first by saving money.
  #98 (permalink)  
Old 05-02-2016, 11:01 PM
Registered WAHM
Join Date: Mar 2016
Location: Delhi
Posts: 5

i use saving account to save money, also i pay bill with coupons,
  #99 (permalink)  
Old 05-04-2016, 08:32 PM
bchandler29's Avatar
WAHM Regular
Join Date: Feb 2010
Posts: 16

I've heard really good things from friends who use YNAB - You Need a Budget app.
I also recommend reading the 4 Laws of Financial Prosperity and also the book 4 Spiritual Laws of Prosperity. Happy Budgeting!!
  #100 (permalink)  
Old 05-05-2016, 08:59 AM
Suzanne-SB's Avatar
WAHM Regular
Join Date: Mar 2016
Location: Brighton UK
Posts: 13

Good tips, I like your list
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budget, cheap, zazzle

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