Many of us here have already been through the 2008 '0bama Reign of Error' but if there are new money-saving ideas, I'm all over it!
I just dropped collision insurance on my 12 year-old car. Saved almost $400 bucks.
NUKE the $3+ trillion 80%+ unconstitutional portion of the federal government.
There. Fixed.
Don’t buy Bud Light…
2. Ask for a Raise
Why didn’t anyone think of that before?
It doesn’t work if you’re self-employed.
“Hey boss, how about a raise?”
“Get back to work, ya bum!”
Vote everey demonRAT out of office.
All these are good ideas, and things that we have always done by habit. But, the bottom line is not to live beyond your means, look for the deals, and put your money where it will retain its value. Oh yeah, and make sure you have a sizeable emergency fund, or some assets that you can turn into cash in an emergency.
We are down to driving one vehicle. The four year old Lexus stays in the garage while we drive the worn out F-150 most places.
We let our son buy dinner tonight. Saved a hundred bucks.
Coupons and sales. Check all the weekly ads and stock up on those great deals. Also switched cell phone carriers.
Don’t go to Cabo or Cancun every year because your neighbors do. Go see your folks.
I just renegotiate my homeowners insurance, which increased an additional $300 compared to last year. By increasing the deductible and lowering the personal property limit (which was very high and more than I needed) my premium decreased $400.
Reduce your tax profile as much as legally possible, especially using more savings mechanisms, 401k, ira, etc.
Cut all donations to govt entities like NPR, PBS, etc.
Stop buying unnecessary things with large amounts of govt taxes on them. Like cigarettes and booze.
Stop funding govt with your lottery ticket purchases.
1. Stop profligate spending in DC
2. Abolish the Federal Reserve
Smash/grab. Keep it under 1K.
Repeat.
Cut off cable TV or that little dish outside the house.
Get a minimalist cell phone unless you just have to have a smart phone on your ear when you walk down the street.
Drive a 10 or 20 year old car; it has to be reliable but it doesn't have to be new.
If you can't afford the house you currently live in relocate to a house you can afford.
Don't buy as much stuff. When you don't buy stuff, you not only save the recent inflationary price increases, you also save the baseline cost. You save 100 percent.
Don't eat out often. Cook at home more. Take lunch to work or school in a brown bag or, to reduce costs further, a clean lard bucket.
Don't buy high-priced coffee. Find a cheap workaround for coffee.
Don't let young children guilt you into buying junk. They have enough junk at home already. Get young children something of value - a single shot .22 for example. For safety reasons wait until they are old enough to know right from wrong; say five or six years old.
Speaking of target practicing: practice with a .22. Don't blast away with .556 costing $.50 per.
Choose a spouse that you are not going to have to divorce. Divorce is a wealth killer.
Don't take expensive vacations. Stay home and rest; or do something useful like pack the wheel bearings in your equipment trailer. Somebody's got to do it anyway.
And if you desperately need money, give some away. Don't ask me how but generous people seem to accumulate money and have everything they need and then some.
We cook at home almost every meal. Maybe eat out once every couple of months.
I’ve always turned off lights as I left a room. Old habit from when I was growing up.
Pinch pennies everywhere I can. Buy a less expensive brand. Price shop for staples.
We cut back on alcohol so not buying as frequently as we used to.
If you can’t afford to join a wholesale club by yourself, see if a family member or friend or neighbor will split the fee, then shop together for those bulk items, and split them up if you need to. Paper towels, toilet paper, cleaning supplies, etc are usually pretty good prices so you don’t have to wait for sales at the grocery store.
Turn the thermostat down or up for the season, just a couple of degrees helps some.
Don’t just run out for errands willy nilly. Try to plan your route to make the best use of gas.
Borrow books from the library.
Cheap pay-for-what-you-use cell plan like ting or (I think) patriot mobile (I pay $22/month on average)
Used cell phone
Work out and exercise for free (pull up bar, bodyweight exercises, bike, run)
Used books
No amazon account
Used car (two-years old when bought for cash)
Less house than you can afford
Over the years I’ve made a lot of financial mistakes, but I did one thing right. I got out of debt. Completely. Paid off the 2016 Grand Cherokee, kept the 2000 Grand Cherokee, paid off all credit cards, paid off the house. Zero debt—except for the annual extortion property taxes. With the help of a frugal wife we’re able to save almost $1,000 a month out of our meager retirement income. Spending less than you make is a great addition to a debt-free life.
No cable, Prime, Hulu, etc.