(Closed) Money Saving/Earning Tips and Tricks.

posted 4 years ago in Married Life
Post # 3
Member
632 posts
Busy bee
  • Wedding: July 2013

We did Dave Ramsey’s Financial Peace University. SOOOO glad we did it.

Post # 4
Member
4047 posts
Honey bee
  • Wedding: November 1999

Quit cable TV. Many people pay $100/month and you can get many of the same shows from the library or Netflix for much cheaper.

Post # 5
Member
692 posts
Busy bee
  • Wedding: February 2013

Automatic deductions.  Before DH or I even get a paycheck, a chunk has been removed and put into our joint savings.  We budget around what’s left and pretend that chunk in savings just doesn’t exsist!

Post # 7
Member
4583 posts
Honey bee
  • Wedding: October 2011

Sell your crap. 🙂

Ebay, Craigslist, have a yard sale. You can even trade in used books, movies, games and electronics to Amazon. DH and I got rid of a bunch of games, DVDs and devices we no longer needed and made several hundred dollars. 

Post # 8
Member
1401 posts
Bumble bee
  • Wedding: November 2011

1. Eat out less. This saves us a good 200-300 pounds/month

2. Don’t own a car (though this is hard if you’re not in a city like we are!)

3. Say no to the latest gadget until it goes down in price (or ask for it for Christmas). Get a cheaper phone contract and switch to using Netflix unsteady of cable.

4. Have all bills and savings automatically deducted from your acct at the beginning of the month. Don’t spend more than you’ve got left afterwards. 

5. Cut down on electricity bill by turning off lights when not in the room, air-drying clothes instead of tumble drying, wearing sweaters instead of always cranking up the heat, etc.

6. Make random little extras like a Starbucks on the way to work, spa trips/mani-pedis, fresh flowers for the house, taxi rides instead of train rides, etc. treats instead of regular things.

7. Get a lower-maintenance hairstyle that doesn’t require a £150 ‘freshening up’ every 6 weeks

Post # 9
Member
141 posts
Blushing bee
  • Wedding: May 2011 - Downtown 202

We also did Financial Peace University and it was incredibly helpful, since we also have debt to pay off. It helped us to set budgets for everything and actually stick to them, which has been the biggest help.

1) Make meal plans before you go to the grocery store and only buy things you need — no impulse buys!

2) Cancel cable.

3) Sell anything you don’t need or want anymore, and put it all directly toward the debt.

4) Take advantage of free entertainment options. We used to spend SOOO much on entertainment and eating out.

Post # 10
Member
3462 posts
Sugar bee
  • Wedding: May 2012

My tips:

  • Pay attention to what you spend money on.  Simply doing that you’ll spend less.
  • Set a figure for spending, and above it, require yourself to think about the purchase for a time before buying.  e.g. Anything over $50 requires you to take a month to decide if you really need it (or need it now)
  • Eat at home/bring lunch in more frequently
  • Cut back on drinks (out & in – try to shift to drink more water/tea etc and less coke/beer/wine)
  • Negotiate with vendors – I cut my cable/internet bill by $60/month this way
  • Moneysavingmom.com is good inspiration for me.  Learn how to get freebie tolietries and more.
  • Shop for groceries on sale, rarely buy when full priced.  (Menu plan + stockpile/freeze)
  • Set an achievable but stretch savings goal that has some “fun” elements in it.
  • Look for cheaper/free entertainment – particularly easy in the summer!  (Summer concerts, outdoor movies, shows).
  • Search for coupons before buying things (e.g. search retailmenot)

Post # 11
Member
703 posts
Busy bee
  • Wedding: June 2014

Aside fromm all of the awesome suggestions from above, My favorite so far is to collect all of the leftover change from whenever I use cash. It’s like the rest of that dollar was never even there! I turned in $145 in 2 months to our bank for our wedding fund. 

And a bonus tip: usually if you take it to your own bank and not one of those cornstar machines they have  in grocery stores, there’s no fee! 🙂 

Post # 12
Member
598 posts
Busy bee

Cell phone bill!! I’m on a prepaid plan and pay $5 a month. My phone itself was $80 and it’s a touch screen Android. I’ve had a $5 plan for 4 years and saved a butt load of money. Also, we just canceled cable. 🙂

Post # 13
Member
8044 posts
Bumble Beekeeper
  • Wedding: December 2013

@Pappy8:  We pack our lunches most days. Make a big meal on Sunday and get a couple lunches each out of it. We also plan meals out for the week and shop with a list. That way it generally is much cheaper because we only have to shop once a week or so, and we stick to the list.

Track your spending. $5 at Starbucks 3x a week adds up. Bring your own coffee/tea/etc. Unused gym memberships? Cancel it. Pay for premium cable channels you don’t watch? Cancel it.

Use coupons when you can. I go through the newspapers at work and it takes me a few minutes but I save a few bucks.

Cancel subscriptions you don’t use. Get the newspaper only on the weekend etc.

Be selective in what high end products you buy. Drugstore works for some things!

Shop your closet. Clean it out and donate what you don’t wear. It’s actually easier to get dressed when you have less in the closet! Toss anything you don’t wear. Don’t buy new clothes spur of the moment… figure out what gaps your closet has and plan accordingly.

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