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The NEVERENDING Money Saving Tips Thread

michaelskis

Cyburbian
Messages
19,713
Points
46
Well, knowing most of us do not have money falling out of our ears, I thought that this would be a great way to share money saving tips. I thought that a “never ending” would be a good idea due to people come up with new ideas and new products come along.

So, let’s here them, how do you save money?
 

boiker

Cyburbian
Messages
3,890
Points
26
Eat a diet that has substantially less meat in it than the average american diet.

Refrain from eating out.

Throw all loose change into a "change jar'. Cash it in when it is full. You; be surprised how much you can save.
 

mendelman

Unfrozen Caveman Planner
Staff member
Moderator
Messages
13,177
Points
47
no cable or satellite tv - its not worth the extra moola per month

cheap, reliable car that is paid-off
 

SGB

Cyburbian
Messages
3,388
Points
26
Set up an automatic savings and/or investment account. Have the $$$ taken right out of your paycheck - don't even let it touch your checking account!
 
Messages
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SGB said:
Set up an automatic savings and/or investment account. Have the $$$ taken right out of your paycheck - don't even let it touch your checking account!
Ditto - and don't hook an ATM card to that account.

Go out with friends for breakfast, or coffee and pie - but not lunch or dinner - too expensive to eat out.

And this doesn't apply to Michaelskis - yet - but Toys R Us diapers are just as good as huggies or pampers! :p
 

Zoning Goddess

Cyburbian
Messages
13,853
Points
39
Never water your lawn.

Make sure your home is well insulated, and has shade trees to cut down on cooling bills in the summer.

Would-be parents, be sure your home is in a good school district so you don't end up shelling out for 6 years of private school, like I have. :-c

Use the library instead of buying.
 

Miles Ignatius

Cyburbian
Messages
368
Points
12
Zen School of Purchasing

...I know it sounds crazy but I buy stuff that I may not be in immediate need of but is priced so low that it defies logic not to buy it.

This works well for clothes and housewares - I've got some of the best deals on things when I wasn't really in the market to buy. Classic example: end-of-season clothing close-outs, etc.

Obviously, the test is to ask will you need it eventually and when and if your budget can tolerate it.

Or, as the old saying goes..."Living cheaply is the best revenge."
 

Super Amputee Cat

Cyburbian
Messages
2,134
Points
28
I wait three months beween haircuts instead of two. That way, I only go four times a year instead of six. This saves me about $25.

More

1. Buy Microwave lunches, such as Lean Cuisine, whenever they are on sale. (Usually $1 each)

2. Try and keep the thermostate below 65 in winter (though my wife keeps putting it back up to 68)

3. Sneak pop into theaters (but only the big chains).

4. Have a credit card that gives rebates. Since 1994, I have recieved over $700 in rebates in free gas! (Which is the same as cash, because you have to buy gas). Of course, I pay my balances in full every month too.

Throw all loose change into a "change jar'. Cash it in when it is full. You; be surprised how much you can save.
5. Ditto. The last change jar (nickes, dimes and quarters only) had over $600 in it. (Took about three years to fill up). We rolled the money ourselves rather than pay that 10% commission at places like Coinstar. For pennies, I just go to coinstar because the 10% is worth it. Had over $60 (after commissions) in my last penny jar.

6. On vacation - stay at cheap motels only. Or better yet, camp. Places such as Motel 6 often have better amenities and service than some of the high priced hotels. For example, you get free HBO and a huge breakfast selection at Super 8, which take Entertainment Cards, thus bringing in even more savings. Try doing that at an Adam's Mark or Westin. Plus you're less likely too have to deal with snobs who are so high maintenance they can only stay at posh hotels.

7. Drive a compact car. I still have my '93 Ford Escort which gets 29MPG in the city and up to 40 on the highway.

8. Cut back on dining out, and never buy alcohol at restaurants. You can get a whole six pack of your favorite beer for what you'll pay for one bottle at most eating establishments.
 
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biscuit

Cyburbian
Messages
3,904
Points
25
I'm probably one of the last people to give advise on how to save money. Granted, I'm a good money manager and am never really broke, but man do I often spend it needlessly. I know that I would save a wad of money if I didn't eat out for lunch every day, but cooking for one doesn't often leave enough left overs for the next day and one can eat only so many turkey sandwiches. It's an unnecessary expence but going out for food and drinks is one of my favorite things to do.

Still there are some things I do to help save money, like...
-- Direct deposit into savings account at employee credit union. They have much better rates than the banks.
-- Buy clothes only when they're on sale and even then try to buy them at the end of the season. Do you know how cheaply you can buy a winter coat in April (northern hemispher only ;-) ).
-- Save your change
-- Drive a reliable and fuel efficient car. God bless Honda! :-D
 

Maister

Chairman of the bored
Staff member
Moderator
Messages
27,724
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68
I have done some pretty wierd things in the name of 'saving money'. All of my fun do-it-yourself activities have been justified in this manner. I once ground my own grain for flour to make real homemade bread (Duke, if you're reading this, I'm sure you've got a grain mill - you ever done this?). Routinely brew my own beer. I got a line on some raw milk and rennet once and made my own cheese (it was runny). Actually grew my own fibrous plants which were used to make jute (rope). Made my own candles.
The $20,000 question: did these activities save me any money? Maybe, but that's not why one should do them.
 
Messages
3,690
Points
27
Super Amputee Cat said:
4. Have a credit card that gives rebates. Since 1994, I have recieved over $700 in rebates in free gas! (Which is the same as cash, because you have to buy gas). Of course, I pay my balances in full every month too.
Us too! Exxon Mobil Master Card rebates you 3% on their gas, and 1% on all other purchases. We use our card for basically groceries and gas and home depot and get at least $20 in free gas each month.
Super Amputee Cat said:
5. Ditto. The last change jar (nickes, dimes and quarters only) had over $600 in it. (Took about three years to fill up). We rolled the money ourselves rather than pay that 10% commission at places like Coinstar. For pennies, I just go to coinstar because the 10% is worth it. Had over $60 (after commissions) in my last penny jar.
Check your credit union - ours lets members use the Coinstar machine for free!

Also - if you have children, look into Upromise.com You can register your credit cards/grocery savings card to get a percentage of your purchases deposited into a 529 educational savings account for your kids which you can also set up online. Parents and Relatives can link their accounts to yours. We've saved over $100 for Jack's college, just by buying gas, cereal, and eating at our favorite restaurant. And my brother joined and linked to our account as well. Very cool.
 

JNA

Cyburbian Plus
Messages
25,074
Points
54
When eating out only order water.
Gave up drinking beer and hard drinks 10 yrs ago - just think how much money I saved.
Never smoked or liked wine - even more money saved.
Paid a little extract each month when I could on student and car loan - paid off like 3 months early - improved credit rating.
Have Credit Cards that offer frequent flyer miles, bought Kellogg's cereal for AA miles coupons and have used them. http://www.kelloggs.com/promotions/american_airlines/home.shtml
Have not bought a new tie for work in 10 yrs.
Have not bought a new bike in 15 yrs.
Dropped Collision on car insurance on a 10 yr old 122,000 mile car.
 

Super Amputee Cat

Cyburbian
Messages
2,134
Points
28
Downtown said:
Us too! Exxon Mobil Master Card rebates you 3% on their gas, and 1% on all other purchases. We use our card for basically groceries and gas and home depot and get at least $20 in free gas each month.
Yeah ours is 3%/1% too.

I used to have this Amoco card that paid 2% back on all other purchases. 2%!
It lasted about a year. I remember in 1996, when we were out west for a month, half of the vacation showed up on one statement and we got 2% back. But the balance of the trips expenses showed up on the next statement and by then Amoco had revised their contract to 1% like most everyone else.

But that 2% was sure fun while it lasted.
 

passdoubt

Cyburbian
Messages
407
Points
13
I go for live-in positions on college campuses... it helps when you have free housing, meals, gym, and access to the cultural attractions of a university. I don't have a car either. ;)

My cell phone bill and health insurance are really my only regular expenses. The cell phone bill is much cheaper than what I'd do in long distance from a land line if I used that instead.

I love to eat out, so it's not something I'd ever refrain from doing unless I were in debt, which I'm not close to yet... It's all about priorities 'cause I can definitely go without a car and a TV. I have no desire for either of them, but it wouldn't be life if I couldn't eat takeout Chinese, burritos the size of my head, cheesesteaks, Hawaiian pizza... aw I just love food too much and love gathering at a restaurant to eat with friends. DVD collections and air conditioning will never amount to that.
 

JNL

Cyburbian
Messages
2,449
Points
25
Let's see.....

Try to drive at the speed limit.

Stay sober enough to walk home from town instead of getting a taxi.

Return library books and DVDs on time.

Don't crash into other people's cars - it increases your premium.

Stay away from shoe shops 8-!

Buy multi-saver discount cards for pool/gym/movies/DVDs etc (and blocks of chocolate instead of bars.... hmm not sure that one works!)
 

Super Amputee Cat

Cyburbian
Messages
2,134
Points
28
JNL said:
Return library books and DVDs on time.
Tell me about it. :-@ I've probably paid over $80 this past year in fines of overdue library books and movies as well as late fees paid at video stores.

Needless to say, I'll be voting againsts the next library levy. The real reason is that they have too much money (for flashy new buildings, bloated exec. salaries, and parking lots and demolition of houses) but at least my now conscience will be clear knowing that I've paid more than my fair share in GD fines.
 

Zoning Goddess

Cyburbian
Messages
13,853
Points
39
Super Amputee Cat said:
Tell me about it. :-@ I've probably paid over $80 this past year in fines of overdue library books and movies as well as late fees paid at video stores.

Needless to say, I'll be voting againsts the next library levy. The real reason is that they have too much money (for flashy new buildings, bloated exec. salaries, and parking lots and demolition of houses) but at least my now conscience will be clear knowing that I've paid more than my fair share in GD fines.
I make buddies of the librarians. I have only been charged $.10 in fines in the last 8 years even though I am consistently late with the books.

OT: A proposed doubling of the homestead exemption on property taxes here will wipe out our libraries.
 

Chet

Cyburbian Emeritus
Messages
10,624
Points
34
WOW you are all cheap b*stards!

Best I can add is,

1) order the rail vodka instead of the Citron in your martini.

2) run the SUV on mid grade instead of premium every other tank.

3) get the employer to pay for everything you can. expense accounts rule.
 

donk

Cyburbian
Messages
6,970
Points
30
I have only one suggestion.

Don't date outside of your socio economic/style class, unless the other person is paying.

Like I really needed/wanted a pair of obscenely expensive designer jeans.
 

Cardinal

Cyburbian
Messages
10,080
Points
34
donk said:
Like I really needed/wanted a pair of obscenely expensive designer jeans.
Hell, I'm so cheap I don't even wear pants. Er... forget that.

I have been trying to set aside $1500 each month into a savings account. Unfortunately, I then go out and do things like spend $3500 on two couches and a chair. Of course, if the Lazy Boy is comfortable enough I won't want to get out of it and then won't be spending money. Instead, I will be putting on weight. Maybe I should go out and buy a new bike. D'oh!
 

AubieTurtle

Cyburbian
Messages
894
Points
21
donk said:
Don't date outside of your socio economic/style class, unless the other person is paying.
Amen to that! My current girlfriend is a total logo whore. If it doesn't have some mass market designer's stamp of approval just like the clothes worn by 80% of the other sheep, she doesn't want it.

As far as saving goes: RICE! It's hard to live on it alone, but it is unbelievible how cheap the stuff is. It works best as a base upon which to build a meal. It is filling and will cost you probably about $.15 per meal (if you by the big bags and not the premeasured gourmet seasoned rice meal kits) and save you a couple of dollars in other ingredients you would have consumed instead. A rice cooker was one of the best investments I made back when I was unemployed.
 

el Guapo

Capitalist
Messages
5,984
Points
29
My secret: I married an Indian woman. Now I am fabulously wealthy. I could buy and sell everyone of you bast*rds and bit*hes if she would only let me have access to the money. :)

I keep track of my precious bodily fluids. It can cost you if you misplace just one swimmer, for instance in a fertile woman.

Drive cars other people have abandoned.

Don't tithe. Don't even join a religion, cult or service club. They all have hidden fees.

Homemade Kimche - saves on entertainment expenses in so many ways.

Columbia House Record and Tape Club: 12 Cd's for a penny. Then say Manuel Guapo moved two weeks ago when the cops show up. Don't let them in to see your Manalow room!!!!
;)
 

donk

Cyburbian
Messages
6,970
Points
30
AubieTurtle said:
Amen to that! My current girlfriend is a total logo whore. If it doesn't have some mass market designer's stamp of approval just like the clothes worn by 80% of the other sheep, she doesn't want it.
The stuff I bought was not "mass market", it was fashion forward, underground, chic. I am no longer with her, that was an expensive, but fun 10 weeks.

Except for the risk of botulism, don't foget the dent and label missing sales on canned goods.
 
Messages
3,690
Points
27
Rob's latest money saving enterprise is waiting a couple extra days after registration expires on the cars to get a "free" month. :D

Oh - and if your employer has a medical spending reimbursement program - take advantage.
 

SW MI Planner

Cyburbian
Messages
3,195
Points
26
Maybe I missed it, but does anyone shop with coupons?

We go to the grocery store at least once a week, and always use coupons. Our Meijer doubles coupons up to $1, plus we buy a lot of the stuff that is on sale. Nine times out of ten our savings exceed the cost of the groceries. It doesn't take that much work, just a little preplanning, and it saves us A LOT of money.

We also pay our credit cards off each month. Saves a lot in interest

We have no debt except the house, my car, and my school loan. Which is more than enough, but anyway. My car is at 0%, so I just pay the monthly amount. I put most of my extra money into my school loan, because the rate of the loan is much higher than the interest I have for savings.
 
Messages
3,690
Points
27
SW MI Planner said:
Maybe I missed it, but does anyone shop with coupons?
Not so much. The vast majority of our grocery bill is fruits, veggies and dairy. have been using coupons for what little baby food we buy- but we make most of that also.
 

Repo Man

Cyburbian
Messages
2,550
Points
25
10 Tips

1. If you haven't used it in 1 year, put it on e-bay.
2. Before you buy anything in a store, check the internet. Chances are you can find it cheaper elsewhere.
3. I also do the coin jar. I never pay for anything with change. I alsways use paper bills so I get more change to save. I then put the money towards x-mas gifts at the end of the year.
4. Invest in a DVD burner. ;)
5. If your employer offers deferred compensation, take advantage of it.
6. Shop at TJ Maxx, Target, or Marshalls for clothes.
7. Look in the scratch n dent section for furniture. Often times the damage is so minor that you barely notice...and keep in mind that one of your friends or relatives will probably damage it anyhow.
8. Get your own stuff for washing your car. For the price of a couple of machine washes you can get a bucket, a sponge, soap, and wax. (Unless it is winter, then you can splurge for the machine wash)
9. Get a Costco or Sams Club Card and take advantage of any grocery store discount cards.
10. Go back to school and become a lawyer or a real estate developer. There's no money in planning!
 

Michele Zone

BANNED
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7,657
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29
1) If it's not 50% to 90% off, it isn't REALLY "on sale". :-D When it is 90% off, get two or three of them, in variations (like different colors of the same skirt or different sizes of the same style of basket). It will still cost less than one at half price and it will be a loooong time before you are really needy again. If it is done right, odds are good that you will find stuff at least 75% off before you really need another one.

2) Think long and hard about what you need and don't buy until you trip across the perfect solution -- on the clearance shelf, of course.

3) Unless it is a fantastic, not to be missed, once in a lifetime deal -- don't buy it the minute you see it, especially if it is expensive. Go home and sleep on it. Heck, take a week, if need be.

4) Don't do consumer spending. Instead, focus on purchases that are an investment in some way. Ex: I bought a ton of clothes at steep discount in January. But it is clothes that I need for launching a business and being taken seriously as a business woman. I am too cheap to buy much makeup, much jewelry, or much in the way of dress-up clothes. I usually do have something appropriate for a "black tie" dinner but most folks don't go to those very often. As a military wife, I generally go to such things about once a year or so. After I part with the bucks for clothes, by god, it is going to be worn to tatters. Rhinestone covered sweaters and garbage like that will hang in the closet and not get worn but once or twice a year. To me, it is a huge waste of money.

5) Buy yourself some good cookware and learn to cook well. Good cookware costs a ton (but you may be able to get it at steep discount or in exchange for slave labor, after taking care of your sister's baby for a month :p ) but I think a lot of people eat out because they can't cook and they want a decent meal. You cannot turn out a good meal without good tools and a little skill.

6) [HUMOR]Homeschool. You can stop spending money on clothes, lunch boxes, donations, the long list of school supplies they send home at the beginning of the year, etc. You know you are going to attempt to single-handedly keep Barnes and Noble in business anyway. Why waste money on the trappings of an education when that money would be better spent on a real education? Eliminating those silly expenses frees up money for more books and other actual educational supplies.[/HUMOR]

7) Last: don't be "penny wise and pound foolish". Learn how to judge when it is the financially sound thing to do to cough up the dough and don't quibble when that is the case. :)
 

boilerplater

Cyburbian
Messages
916
Points
21
1) Get a travel mug for your morning coffee that you normally buy in paper cups. Most places give lower prices when you bring your own mug.

2) Switch your phone service to IDT if you can. $39.95 for local and long distance!

3) Learn to do home repairs yourself. The hourly rates of some of those guys are ridiculous.

4) Become a landlord. Lots of deductible expenses if you do all your own repairs and maintenance.

5) Just don't give s**t about keeping up with the Joneses or being fashionable. ;-)
 

JNA

Cyburbian Plus
Messages
25,074
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54
boilerplater said:
5) Just don't give s**t about ... being fashionable. ;-)
Not with the standard planner uniform :p ;-)
of kahaki or black pants and blue or white button down shirt.
 
Messages
3,690
Points
27
boilerplater said:
1) Get a travel mug for your morning coffee that you normally buy in paper cups. Most places give lower prices when you bring your own mug.
Or better yet - make your own coffee and save literally 200% - which is the mark up of most coffee in restaurants and at quickie marts.
 

donk

Cyburbian
Messages
6,970
Points
30
JNA said:
Not with the standard planner uniform :p ;-)
of kahaki or black pants and blue or white button down shirt.
One thing I noticed when I moved was the number of blue shirts I have. (3 short sleeved, 3 long sleeved) Anyone need one. (16 - 17 necks 34-35 arms)

Same with pants I did not realize how many pairs of khakis I own (5 tan, 3 olive and 2 blue) , the worst thing is that I bought a new pair before I left and have not even worn them yet becasue I've lost so much weight I'll be embarrassed to try and get them hemmed because they fit so poorly now. If you need a pair of flat front khakis, unfinished leg, 38 waist maybe we can work out a trade. These are awesome pants from bills khakis, they are just waaaaaaaay too big for me.
 

AubieTurtle

Cyburbian
Messages
894
Points
21
Downtown said:
Or better yet - make your own coffee and save literally 200% - which is the mark up of most coffee in restaurants and at quickie marts.
Or you could kick the caffeine addiction and do away with coffee altogether. ;-)
 

jestes

Cyburbian
Messages
230
Points
9
We have a store here called Hudson's Treasure Hunt. They are basically a salvage retailer. They buy out insurance settlements, clean the stuff up and then sell it. On any given day they will have clothes, electronics, housewares, toys, lawn and garden stuff, etc. Most of this is stuff that you would see in Walmart, Target, Office Depot & other big boxes. Generally the merchandise will hit the stores at 30-40% off. Usually, if you are patient enough it will eventually get to anywhere from 75-90% off. If you play your cards right you can get some super deals there.
 
Messages
3,690
Points
27
AubieTurtle said:
Or you could kick the caffeine addiction and do away with coffee altogether. ;-)
Please. I have a 6 mo old infant at home who has yet to sleep the night through. Coffee sustains me just as much as oxygen right now. :D

*note* I have switched to decaf after my second cup of regular in the morning.
 

JNA

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25,074
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54
Downtown said:
Or better yet - make your own coffee and save literally 200% - which is the mark up of most coffee in restaurants and at quickie marts.
I usually wait until I get to work to make my own coffee.
Also I wait until coffee supplies are on sale - 2 for 1 or have a coupon,
even better yet both.
 

SGB

Cyburbian
Messages
3,388
Points
26
AubieTurtle said:
Or you could kick the caffeine addiction and do away with coffee altogether. ;-)
8-! Blasphemer! 8-!

A planner without coffee is like a fish on a bicycle. Or something like that....
:p
 

NHPlanner

A shadow of my former self
Staff member
Moderator
Messages
9,901
Points
38
SGB said:
8-! Blasphemer! 8-!

A planner without coffee is like a fish on a bicycle. Or something like that....
:p
Call me a fish on a bicycle then. ;-)
 

Dan

Dear Leader
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Moderator
Messages
18,127
Points
63
You probably hate Best Buy as much as I do. However, their US stores currently have 50 packs of Fuji CD-Rs on sale for $13.99.

That doesn't seem like a great bargain, considering that you can get spools of 50 CD-Rs for $8 or $9 if you hit Comp USA or MicroCenter on the right day. What's the big deal? Look carefully on the spool. In small print, you'll see ...

MADE IN JAPAN

Most retail CD-Rs that you see, including those normally co-branded by Fuji, are made in one of several palnts in Taiwan or India. The "Made in Japan" CD-Rs are manufactured by Taiyo Yuden. CD-Rs made by TY are considered some of the best in the world; their data integrity is much longer tha n a Taiwanese CD-R (50-100 years, compared to 5 years), and you seldom get a coaster when you burn one.

Did I say they Japanese CD-Rs are very, very hard to find at a brick-and-mortar retail outlet in the US?

Go to Best Buy, get some spools of Fuji, and laugh at the moronic sales boy asking you if you want an extended warranty with that. Good stuff.
 

dobopoq

Cyburbian
Messages
1,002
Points
21
A few tips not already mentioned:

1. Don't shave. Guys: buy an electric razor if you want to keep your face almost as smooth as a wet shave, or an electric beard trimmer to keep a nice neat beard. Or else walk around like your in ZZ Top. Chicks: don't fear a little fuzz on the legs; Guys will do you just the same. Furry pits ok too. Hirsute is sexy! If you're friends criticize you for this, reevaluate their friendship; they probably have fake tans and fake boobs. Just say no to superficial high-maintenance crap!

2. Don't pay a barber to cut your hair. You can do a decent job by yourself with buzz clippers or a beard trimmer, scissors, and a 3-sided mirror. You can use tape to provide a smooth even line in the back. Or, let a trusted friend do it.

3. Brush your teeth with baking soda instead of tooth paste. It's cheaper, and does a better job IMO. You can also save by rinsing with saltwater instead of mouthwash.

4. Buy lots of articles of clothing in black. They don't show dirt, and they go with everything so you can get by with a smaller wardrobe overall. (Not recommending you go goth though.;-) Piercings, tatoos, chain mail and make-up are unneccessary expenses.)

5. Buy clothes that are wrinkle-free and/or machine washable. With some occaisional ironing, you can avoid dry-cleaners altogether.

6. Always bring a reusable bottle of water with you wherever you go. This way you can avoid soda machines, restaurants and expensive bottled water.

7. Always be ready to volunteer to help a friend move, and they will likely be willing to part with something that you could use.

8. Share your CD collection with friends, and they'll share theirs with you. (I wouldn't want to suggest burning each others CD's though. That might violate copyright laws which would be wrong. ;-))

9. Develop a close circle of friends who have parties at their own place or have them at your place, rather than always going out to a bar.

10. Live in an affordable crime-prone neighborhood. :-D Seriously though.

11. If you live in a crime-prone neighborhood, get/fabricate an official-looking sticker of some security system company (fictional or real), and put it on your door to deter burglars, instead of paying for a real security system.

12. Live car free. There are many ways to make this work: Live near good transit; Live in an area where it is safe to ride a bicycle and walk; Live close to where your job is; Live where you want to live and make do with the jobs available to you there within a reasonable distance.

13. Invest in a coffee thermos. This way, you can not only brew your own, but make it to go.

14. Reuse sturdy containers. Plastic yougurt and Country Crock margarine tubs are great. Pasta jars make nice beverage glasses.

15. Avoid disposable paper products. Sponges last a lot longer than paper towels. Cloth napkins and hand towells are both washable and nicer than paper napkins. Paper/stryofoam plates, cups and bowls are idiotic.

16. Insulate with storm windows, chalk and weather stripping.

Also, if you're a renter:

17. Elevate your bed to a bunk so you can utilize the space underneath and thus get by with a smaller apartment.

18. Hang your clothes up to air-dry. 24 hrs will do the same job a buck or two in the dryer will do.

19. If you live in a cold climate, rent an upper level apartment so you can soak up the free heat of those below. Avoid places with high ceilings and large vacuous rooms which are costly to heat.

20. If you live in a hot climate, rent a basement or 1st floor apartment so there will be less need for AC. (If have extreme winters and summers as many of you in the midwest do, I guess you can only make one of these last two work.)
 
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SkeLeton

Cyburbian
Messages
4,853
Points
26
Just One but good tip: Cash Not credit, on most things, except large investments such as real estate, everything else can be bought with cash if you save enough and you'll forget about stupid interests, why let banks steal your hard earned money? This also means that you have to pay on time all your bill so you also avoid interests for paying off date.
 

jordanb

Cyburbian
Messages
3,232
Points
25
dobopoq said:
Chicks: don't fear a little fuzz on the legs; Guys will do you just the same. Furry pits ok too. Hirsute is sexy! If you're friends criticize you for this, reevaluate their friendship; they probably have fake tans and fake boobs.
Just for full disclosure, do you actually have friends?
 

BKM

Cyburbian
Messages
6,464
Points
29
jordanb said:
Just for full disclosure, do you actually have friends?
LOL.

I'm sorry, I like doing many of those things. I like going to a coffee shop in the morning and chatting with the cute counter help. I like driving and enjoy cars. I hate beards as an aesthetic/sensory thing. I'm an agnostic, so I have no real burning evangelical need to live THAT frugally.

That said...I have problems with overspending, so the thread is very interesting to me.
 

Jaxspra

Cyburbian
Messages
3,517
Points
24
BKM said:
LOL.

I'm sorry, I like doing many of those things. I like going to a coffee shop in the morning and chatting with the cute counter help. I like driving and enjoy cars. I hate beards as an aesthetic/sensory thing. I'm an agnostic, so I have no real burning evangelical need to live THAT frugally.

That said...I have problems with overspending, so the thread is very interesting to me.
Ditto. I enjoy the things I have, I enjoy buying my children things they WANT and I like to do what I want. Could I cut back?? Gawd yes, do I need expensive jeans, purses, going out often, no...do I enjoy it and does it make me happy, yes. I could save and save and I am sure I would be happy, "things" don't make a person happy, I know that. I lived in a van for a few years, bartering for food, clothing, tickts, etc...I enjoyed it...now I work very hard for my paycheck and I enjoy spending it on me and my boys. Not shave my legs or pits (been there, done that, razors aren't THAT expensive)? Jeez I'll be single for the rest of my life...
 

BKM

Cyburbian
Messages
6,464
Points
29
Jaxspra said:
. Not shave my legs or pits (been there, done that, razors aren't THAT expensive)? Jeez I'll be single for the rest of my life...
But after the glorious dobocquian revolution, you will be considered PRIME marriable material! Of course, isn't "marriage" just an oppressive bourgeoise imprisonment, anyway? :) :p
 

dobopoq

Cyburbian
Messages
1,002
Points
21
jordanb said:
Just for full disclosure, do you actually have friends?
I had a good social life in Baltimore after a couple years, but once I decided to go back to school while working at the same time, I had to lower it to a trickle. The only thing that's holding up my development of friends in PDX is that I'm still trying to get my foot in the door with an accounting job. Once I do, I should be able to develop an active social life, without compromising my ideal to avoid cars and instead walk, ride a bike and use transit.

In a post cheap oil world, I really don't think people are going to concern themselves with something as futile and short-term as shaving. Once our debt-based monetary system collapses, people will once again concern themselves with the building of actual wealth, rather than the appearance of wealth. Actual wealth: being part of a strong community of interconnected REAL friends, able to draw from and share each others strengths, rather than appearing to be completely self-sufficient through a fetishism for conspicuous consumption with a borrowed pile of money that is becoming increasingly worthless.

If you're a millionaire, saving money is waiting a year to sell your stock so it's taxed as a Long Term Capital Gain rather than as a Short Term Capital Gain. If you're poor and living on minimum wage, saving money is saying no to the waste of advertising-created artificial needs such as shaving, smoking and teeth whitening. This is the basic problem with capitalism. When you look at the people at the top of the income scale, many of their expenses are merely a matter of course to grant them membership in their class, rather than being aimed at satisfying real needs and wants. When you strip away all the status symbols that are ruining the long term livability of the planet, the relentless pursuit of infinite wealth rapidly reaches diminishing returns in the level of innovation it spawns.
 
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