What do you do to save money in everyday life?

posted 3 years ago in Money
Post # 3
Member
644 posts
Busy bee
  • Wedding: May 2010

We are currently in hard core save mode so while it’s every day right now it won’t be forever…we implemented a new “policy” – anytime we spend money we have to transfer that same amount into savings. IE. I bought a juice and some granola this morning, it was $4.27, I swipe my card, get in my car, grab my cell phone and transfer that same amount into savings before leaving the parking lot, when the money is gone it is gone.

Has seriously boosted our savings account and keeps us from spending too much money since we have to “pretend” to double everything.

Post # 5
Member
1234 posts
Bumble bee
  • Wedding: June 2013

Whenever I go out (mall, groceries, movies), I bring my own bottled water. 

We never pay for movies because we use Scene.

That’s all I’ve got, lol.

Post # 7
Member
9224 posts
Buzzing Beekeeper
  • Wedding: September 2012

Um, I bring my lunch to work almost every day.

Hmmmm.  Sometimes I buy generic products, if the quality is good.

🙂

Post # 8
Member
5687 posts
Bee Keeper
  • Wedding: May 2011

Other than the usual things we’ll buy gift cards from raise.com to use at stores. Depending on how popular the retailer is they’ll be marked down 10 – 25%.  We also check if our bank offers a % cash back on purchases made through their site before buying anything online.

 

Post # 10
Member
115 posts
Blushing bee

@cora_123:  That is hard core!

I too am on a no spending on clothes fast, probably for the rest of the summer. Not eating out as much as possible, and we’ve begun creating our grocery list around our planned dinners for the week, instead of just winging it, that really seems to help.   

Post # 11
Member
3806 posts
Honey bee
  • Wedding: August 2013

@lina010:  bring my lunch to breakfast and lunch to work. make my own coffee at home instead of going to DD or starbucks. use coupons on car repairs and maintenance. i get plenty in the mail from my local car repair shop and jiffy lube.

Post # 12
Member
2576 posts
Sugar bee
  • Wedding: November 2013

@cora_123:  Interesting! I actually incorporated a similar strategy to paying off my CC debt from my reckless 20s… I look at the recent transactions and basically double the payment. So if there are shoes on there for $50, I “punish” myself and pay $100 of the bill for that particular pair of shoes. I have paid off a ton of old debt this way.

I will use it for saving next! Good plan.

Post # 13
Member
1234 posts
Bumble bee
  • Wedding: June 2013

@engleman10513:  It’s through Scotiabank. I have a scene debit card and a Scene credit card. 

With debit, every $10 you spend gives you 1 Scene point.

But with Visa, every $1 you spend gives you 1 Scene point.

Since I use my Visa for work to book my flights, hotels, everything work-wise, we haven’t paid for a movie in over a year. 

1000 Scene points gives you a free movie.

This might only be in Canada… Not sure…

Post # 14
Member
753 posts
Busy bee
  • Wedding: May 2001

@lina010:  I don’t allow myself to buy new clothes unless I donate something in return. 

Only buy groceries (Winn Dixie) with BOGO deal. 

Ask for gift cards (like movies) for Christmas for dates. 

Alway use a groupon for going out to eat or try to go out to eat during happy hour. 

Cook from home whenever possible. 

Share Netflix account with family / No cable. 

Turn off fans / lights / AC when not at home. 

Grow veggies outside. 

Check craigslist for furniture ads.

Pay credit card on time.

Print coupons (grocery and other stores). 

Look for free events (movies in the park) or cheap ones on groupon ($10 for 2 baseball tickets)

Always check RetailMeNot before online purchases. 

Post # 15
Member
753 posts
Busy bee
  • Wedding: May 2001

@O.My.Heart:  Oh how cool! Thanks for the info. Yeah maybe only in Canada.

Post # 16
Member
2429 posts
Buzzing bee
  • Wedding: March 2012

We started couponing, which cut the grocery bill tremendously.  We meal plan two weeks at a time and then match up our grocery list with the weekly store ads to get the best price on what we need.  I bring lunch to work everyday.  My husband and I transfer a decent chunk of money into savings everymonth (knowing its more than we can afford) and then if we really need something we’ll transfer money back out but I’ve noticed it makes me think about my purchases more and more ends up in savings still, even if it’s not the full amount each month.  Also, depending on what I’m buying, I’ll scan the item to do an online price check and see if it’s cheaper elsewhere before I buy it in the store (that’s more for bigger items, like I just bought a laptop and a nursery furniture set).   Oh and we signed up this energy savings plan through the electric company that gets us $50 a month off our bill for having this shut off box on our air.

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