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creative ways to cut back.


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Old 12-03-2012, 08:37 PM   #11
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Shop purposefully: By this I mean, don't get to wandering around either the local stores or your favorite web retailers when you get bored. Impulse buys are harder to make when you stay away from the places you shop.
+1 on the "Pack your own lunch" and "Thermos 'O' coffee." Packing your own lunch is HUGE when you actually do the math. (Even cheap lunches, say an average of $8 per day x 5 days per week x 4 weeks per month...$160.)
Snacks: Buy them elsewhere and stay away from the vending machines.
Tobacco: If you haven't already, quit. It was between $5 & $6 per pack here when I quit last march. Some of you in the dark blue states are paying as much as $9 to $10 per pack. A pack every other day or so, call it 14 packs per month...say $5.50 ea ...$77 +/- per month. Added Bonus, you'll feel better. Chantix worked well for me. It's not for everyone, talk to your doctor.
It sounds simplistic, but I carry very little cash ($5-$10 is about it most of the time.) When I have to break out the debit card, it makes me consider whether the purchase is really necessary.
Get your debt under control. The fewer hands you have out on payday, the better. Being debt free is like having an extra paycheck each month. Also, being debt free makes you treat the prospect of creating new debt with a great deal of skepticism.
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Old 12-03-2012, 08:59 PM   #12
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We have cut back on everything. One thing we haven't cut back on is eating out. Instead of eating in we order take out. We eat a nice sit down meal for the price of a big mac. The drinks and desert we always order at the last minute are what runs up the bill.

We both are losing weight since hard times have hit. We don't have a bag of chips or a box of sweet snacks in the house all the time. We both have cut back on the amount of soft drinks we buy. We make tea with just enough sugar to make it palatable.

Prepping is not even a thought in our house. We have always bought stuff on sale like we are prepping. 3 for $1 canned goods? We buy them by the case. Anything we see on sale we buy a bunch of it. We have never went shopping with a menu for the week on our mind. We go out looking for sales and that is the menu.
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Old 12-03-2012, 09:03 PM   #13
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Originally Posted by Overkill0084 View Post
It sounds simplistic, but I carry very little cash ($5-$10 is about it most of the time.) When I have to break out the debit card, it makes me consider whether the purchase is really necessary.
I do that, too. I rarely have cash on me. Or maybe $5 if any. I don't have a credit card. I only have a debit card.

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We have never went shopping with a menu for the week on our mind. We go out looking for sales and that is the menu.
I also do that. I think up a meal with whatever I have in the house. I always have rice, dried beans and some kind of meat. Canned and frozen veggies. Lots of soups. I can always whip up something palatable.
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Old 12-03-2012, 09:09 PM   #14
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How much do you really need toilet paper?

http://www.amazon.com/Hand-Held-Bidet-Spray/dp/B002IWODHE/ref=sr_1_23?s=kitchen-bath&ie=UTF8&qid=1354572365&sr=1-23

http://www.amazon.com/Luxe-MB210-Non-Electric-Toilet-Attachment/dp/B001KKRCFU/ref=sr_1_1?s=hi&ie=UTF8&qid=1354572468&sr=1-1&keywords=heated+bidet
heated for the northerners.

Think of the trees you will save (or corncobs).
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Old 12-03-2012, 10:16 PM   #15
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Originally Posted by danf_fl View Post
..Or you can run an extension from the neighbor's outside box and plug everything into there....
Too far.

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How much do you really need toilet paper?.
Too .. just too.... you know
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Old 12-04-2012, 01:09 AM   #16
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Shop rates on your house and car insurances. We kept our Dish TV but dropped to the $15/month plan. Switched to Consumer Cellular phones(or pick another cheap one). Throw those smart phones out. Shop only once every two weeks, it will cut down on your impulse buys. If one of you buys extra stuff when they shop then that person stays home. Think ahead, plan ahead. Get a credit card that pays cash back and use that card to pay everything(and I mean everything), it saves you at least 1%. Always, always, always pay your credit card off each month. Cut down on your driving.
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Old 12-04-2012, 09:02 AM   #17
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I started out as a cheepo so were having tougher times than Im used to! No Premium anything (cept I do still get my 8 oclock coffee!). No Car payments, no nights out, no unnecessary building projects that I dont already have the materials for and few gifts for anyone this Christmas except a couple for the Grandkids!

My Mantra this year is, "Times are Tough, Moneys hard, Heres your F'n Christmas card, Amen..."
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Old 12-04-2012, 01:35 PM   #18
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Cut your own hair. I bought a waller clipper set about 17 years ago, and have been doing my own hair since then. It cost $30 then, and was USA made.
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Old 12-04-2012, 01:44 PM   #19
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Cut your own hair. I bought a waller clipper set about 17 years ago, and have been doing my own hair since then. It cost $30 then, and was USA made.
Whoa! This will make me admit that I use a FlowBee
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Old 12-04-2012, 02:33 PM   #20
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My wife cuts my hair too (zero on the clippers). We are considering getting rid of the smart phones but shes not thrilled about that. Also cutting back cable and food and anything else we can
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