Ways to Spend Less Money

From http://www.twede.com/

As I get older and more in tune with how to run a household successfully I realize all the ways that a family can be frugal, or “go” frugal (like, going green … only cheaper lol). I’ve been a coupon clipper and usually save at least $10 at the Commissary (which in itself is a wonderful place to save money!) I also look for sales and price compare things. I have a chart that I got from ListPlanit that helps me to compare items at different stores – it’s very helpful because I am a bad list maker.

Anyway, here is a little list of ways our family is working to be more frugal:

  • Clip coupons (they seriously work!) – but don’t buy something that you wouldn’t normally buy just because you have a coupon for it. Also – my friends and I swap coupons sometimes, it works out really well!
  • Search for sales – check out various stores for price comparisons.
  • If you are military and have access shop at the Commissary! They aren’t lying when they say they can save you 30% off your grocery bill. Get what you can there and then what you can’t try Wal-Mart (if you have one). They might be a little *evil* but they are still cheap.
  • Save and try NOT to use credit cards!!!! (easier said than done, I know!)
  • If you are swimming in credit debt why not try and do a balance transfer? Make sure that the percentage rate is super low for at least 6 months (or better yet for the “life of the balance”). Pay attention to the “balance transfer fee” because it could be high. Then, make that card a PRIORITY.
  • Make a budget and stick to it – sounds simple but it works. Try and use cash for things like groceries and entertainment (and allowance). A trick I learned from my Mom that works for me is to divvy up the budgeted money into different envelopes. Then you can see plainly what you have to spend.
  • Cash in those bonus points from you credit cards! I love getting either $50 “cash” or a $25 Starbucks card from my Discover Card points. A lot of companies have reward cards – if you are going to use plastic you might as well earn stuff.
  • For playgroups meet somewhere FREE (like a park) and plan a picnic. The kids will have a great time eating on a blanket on the ground and the adults get to relax.
  • Swap babysitting with friends.
  • Try to shop online at places like eBay or Half.com – even Amazon now has a used entertainment category. Pay attention to shipping though.
  • Seriously SHOP AT THRIFT STORES (and pawn shops!).
  • If you like to rent movies see if there is a “Redbox” nearby – the movies (usually new releases) are only $1 per night! You can even get a text message per week with a “freebie” code!
  • Don’t pay a lot for eyeglasses when you’ve got a website like Zenni Optical around. Their glasses start at only $8 and are super cute and in tons of styles. I personally know moms who have shopped at their site and say that their deals are really for REAL and that the quality is excellent. They were even mentioned in a book titled “Living Rich by Spending Smart” by Gregory Karp. (Which might I add has some seriously great advice).

I’m sure there are more GREAT tips on spending less money. Please share YOURS!!

Comments

  1. I SOOOO agree about the commissary. I try to shop there only a few times a month (since we don’t live close to post), but I went locally recently. Even with going to the “no names” and sale stuff, everything was still sticker shock. my biggest shock is always the cost of MEAT…ouch! Chicken is a great example. I get 3 boneless breasts in a package for $3 at the commissary…at the local stores, it was $7 for the SAME package. Walmart had them for $5, or the family pack (6 breasts) for $9….still a big ouch, you know?

    And here’s my “saving money” tip. Get rid of all your credit cards except one or 2 major cards. Having individual store cards doesn’t really get you much…they usually have high interest rates, and while you DO get coupons, etc, the savings are not often used. Pay them off, one by one,lowest owed first, then apply that amount to the next lowest, etc, till they’re paid off. Then take all that money you’ve been putting toward cards and bank it monthly. I started off with $50 on the lowest balance I owed, paid the minimums on everything else. Then, I applied that $50, PLUS the minimum to the next card…then THAT amount, to the next card, etc. In the end, when I paid off the last of my “little cards” I could put $150 in the bank easily.

    Linda’s last blog post..Day 14 – Prayer for America

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