Post # 1
Hubby and I were married in January of this year. It was a small intimate ceremony in Mexico and luckily we have it all paid off already. Unfortunatly we are still sitting on some mediocre credit card debt. We own an apartment and hopefully in about a year and a half would like to get into a home where we can start to raise a family. We are doing good; We pay extra on our bills, we have cut down our eating out massively, and we even collect the bottles from our work to bring in a little extra.
Lets help out all our fellow bees (including myself, lol) pay off those weddings and start our forever lives wether it be traveling, a family, a big purchase, or just paying down debt. What are some of your money saving or earning tips/tricks?
Post # 3
We did Dave Ramsey’s Financial Peace University. SOOOO glad we did it.
Post # 4
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
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
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
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
- 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 # 11
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
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
@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.