Simple Tricks to Save Some Money

 

Our PG&E bill in December.
  1. Don’t put on the heat until it’s absolutely freezing.  We got through several winters just by layering, going under blankets, and keeping our curtains open during the day to naturally warm up our place.  Our highest heating bill was $39.76, which was actually our last bill.
  2. Ditch cable and go for Netflix, Prime, or for sports enthusiasts, get Sling TV.  These are all options that are a fraction of the cost of cable.
  3. Bring a packed lunch to work, and stop eating out.  Not cooking your own food is a budget killer.
  4. Just drink water.  Not only is it healthier, it’s cheaper than soft drinks, sports drinks, or flavored teas.
  5. Make your own coffee at home or drink the office coffee.
  6. At one point, I didn’t wear makeup for two years just to save money to put towards debt.
  7. I also started cutting my own hair and giving myself manicures and pedicures.
  8. My husband and I stopped going to the movie theaters, and if we do go, we go to the very first showing, which costs $9.50 versus $13.50.
  9. Don’t get caught up in FOMO. Everyone is different.  There’s just no need to keep up with your friends, neighbors, or co-workers.  You will eventually get there.  It may not be today, but you will.  You don’t need the new Iphone 10.
  10. Don’t upgrade your digs until you’re out of debt or have saved enough for a down payment on a house.  Upgrading to a luxury apartment complex because you want to treat yourself or because you want to experience living in such a place just eats up your chance to save, and will make paying off debt longer.
  11. Hang dry some of your clothes.  If you live in an apartment like we do, we bought some drying racks and hang dry at least one load.  This saves us $60 per year. Not a whole lot of savings, but if you’re in debt, every penny counts.
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