(Closed) Paying for the wedding debt, money saving ideas

posted 8 years ago in Money
Post # 17
Member
986 posts
Busy bee
  • Wedding: November 1999

I second the living on cash.   Its so easy to realize how much you are spending on credit/debit cards.   I leave the credit cards at home.   I take out a specific amount of cash each week and use that.  

Post # 18
Member
986 posts
Busy bee
  • Wedding: November 1999

oh, and not that it helps you as your wedding is over, but we plan to pay for our wedding in full prior to the day.   We have been putting aside some money week each and pay off a vendor as soon as we have enough.

Post # 19
Member
913 posts
Busy bee
  • Wedding: April 2014

1) For groceries, shop at different stores for different things–I go to at least 5 different stores regularly. Aldi and the local produce market are the two I visit most frequently. I don’t bother with many coupons any more since stuff is cheaper from Aldi than it would be at the grocery store with a sale + coupon! Also, buy some stuff from Amazon if it’s cheaper. We get our coffee delivered through their subscribe & save program, it’s far cheaper than any comparable coffee we’d buy at a store.

2) UNSUBSCRIBE from daily deals emails, retail store newsletters, and the like. These just deliver temptations straight to you! Even if you get 20% off, if it tempts you to spend $50 you wouldn’t otherwise have spent, then it’s not really a savings. Similarly, don’t get lured by credit card rewards into unnecessary spending. Pay for everything with cash. You’ll save more than the measly 1-2% the credit card offers.

3) Focus on big items and recurring expenses: Shop around/negotiate your rent, homeowner’s insurance, car insurance annually. Threaten to cancel cable so that they’ll give you a better rate.

Post # 20
Member
277 posts
Helper bee
  • Wedding: April 2013

We had to do this a few months ago due to medical bills. Cut out almost every non-essential, started planning our meals before grocery shopping so we only bought what was needed, got what we could at Aldi and the rest at Wal-mart, etc…

Honestly, I don’t use the sales ads or coupons unless it’s for something we use anyways. We didn’t have the time or energy to try new recipes based on what was on sale so it was easier for us to decide what meals sounded good (and warrented left-overs for lunch the next day) and go from there. Still doing it so we don’t buy alot of extra ‘just-in-case’ items

For cat stuff, I do keep an eye on when Target or the pet stores have her food or litter on sale. She doesn’t deal with change in diet or litter very well so i’m sticking with the current brands. Probably not the best way to save money but it keeps her happy and emergency vet visit free (stress gives her UTIs. not fun for anybody). And I do have her on Banfields pet wellness plan. I pay around a certain amount each month and her normal visits are completely covered including teeth cleaning once a year. Only thing extra I have to buy is her flea medication. So far I’ve saved a couple grand on vet visits/procedures.

And I second @takemyhand:; I only fill my detergent cup to the very bottom fill line no matter what size of load I’m doing. I also use the store brand where possible. Clothers are still nice and clean. Now if I could only convince Fiance to use cold water instead of hot water for his clothes…

 

Post # 21
Member
254 posts
Helper bee
  • Wedding: September 2015

1 – Everything everyone has said about meal planning/shopping from a list. Sit down on a Saturday or Sunday, compile a list of what you think you’ll want to eat all week (including required spices, etc.) and shop only from the list. Budget enough food that you can make leftovers for lunches or to be frozen for quick dinners.

2 – Use a 25- or 30-day list. I just started doing this and it breaks my little shopaholic heart, but it has helped. When you are struck with an impulse to buy something that is not a necessity (anything aside from food, medication, etc.), add it to a 25- or 30-day list along with the date you desperately wanted it. Wait for the 25 or 30 day period and if you still want it, go for it. But waiting for awhile will definitely make you rethink your purchases.

3 – Set up a goal/reward system. For example – if you REALLY want to eat out, make a plan that you’ll buy dinner when you pay off a certain monetary value (right now I have to pay off 1 credit card to try a new restaurant down the street!)

4 – Stop buying household cleaners and use things you already have. You can find recipes all over the internet for cleaners made from water, vinegar, Borax, etc.

That’s all I’ve got for now 🙂

Post # 22
Member
1269 posts
Bumble bee
  • Wedding: May 2013

TBH didn’t read all the pp’s but as far as the laundry detergent, just use less! Most of the time you can use as little as half as much as the recommend and clothes are still clean (and will rinse cleaner too). Shhhh they don’t want you to know!

Post # 23
Member
1842 posts
Buzzing bee

Many of these things I am already doing to save money for the wedding, but I will certainly continue to do them afterwards.

1. walk, run, bike to work, to the store, and anywhere possible to save on money spent on gas (it is 6.30 a gal here, so every mile helps)

2. Free entertainment only. Finding free open mic nights, watching movies with friends at home or going to the park instead of spending money on events

3. Have a good quality but cheap breakfast ever day (a scrambeled egg, a bowl of oatmeal etc. will go a long way to keeping you full until lunch and prevent snacking)

4. I don’t have cable, and if it wern’t for Dh we woudln’t have internet either

5. Selling old unwanted clothes and home things. If I need something and it isn’t important for it to be new I ALWAYS check the local thrift store first. A bread pan, a vase, picture frames etc, why buy them at full new price if you don’t have to.

6. Also keep track of every single penny spend. I was amazed at how fast buying a newspaper or magazine once a week added up, and how many things I ended up buying that I didn’t use as much as I thought I would.

Post # 24
Member
2109 posts
Buzzing bee
  • Wedding: August 2014

Buy cheaper cuts of meat and use the crockpot! It can make anything tender.  Use especially for soups and stews because these can go a long way. Freeze half of it, then use the rest of dinner and lunch for the rest of the week. 2 of these can probably last you a whole week.

Don’t buy skinless chicken breasts or preportioned breasts. The stuff with skin is cheaper. Take it home and take the skin off yourself. Better yet, instead of buying chicken breasts, buy a whole chicken cut up. Use the breasts and thighs as you normally would. Boil the rest and use the shredded chicken to make chicken salads, casseroles, etc.

Make your own pasta sauce, never buy the jarred. Use canned tomatos on sale. Make no meat sauce and it’s super cheap. Can use it on pasta, pizza, over chicken, in casseroles.

breakfast for dinner is a cheap and filling dinner. Pancakes (make your own mix using a recipe such as this http://www.foodnetwork.com/recipes/alton-brown/instant-pancake-mix-recipe/index.html) & eggs/omelettes.

Don’t buy chicken or beef broth, make your own. Same with bread (time consuming, but yummy).

And a PP mentioned portion control. This is huge. Cut down the rice and pasta you make with dinner in half always. You can always make more to go with leftovers, etc. But, if you end up not eating and it goes to waste, that’s money you are throwing away.

Post # 25
Member
705 posts
Busy bee
  • Wedding: July 2013

Batch cooking–I usually make a bunch of something cheap and moderately healthy on the weekends and we pick at it over the week.  So much cheaper and easier than cooking a meal every night.  I make fried rice, pad thai and quinoa a lot.  Also, eat less meat.  You only really need it 1-2 times a week anway and it’s expensive and bad for the environment.  Find farmer’s markets–produce and meat are usually really inexpensive and way tastier.

I go to school all day and instead of eating out for lunch, I always pack something.  It’s so much cheaper and healthier than going out to lunch.  I bring salads, leftovers, sandwiches, fruit–it’s so tasty.  I buy a yogurt and eat it for breakfast every day.  $1 for a healthy organic yogurt instead of $5+ for starbucks or mc donalds processed sugar “food”.

I also always buy and brew my own coffee–I never go and get it unless someone gives me a gift card.  It’s $10 for a big plastic thing of folgers (I reuse the plastic tubs for storing crafts and I keep one in the kitchen to put compost things into) and I use the Brita pitcher for the water and it’s pretty much the same as Starbuck’s drop coffee except a squillion times cheaper.

But the biggest things I do to not overspend are to make a budget and stick to it.  I also put barriers between myself and spending money.  I try to carry cash and only bring in what I am planning to spend at a particular shop.  The card stays in the car–if something is awesome, I have to go out and go get the card–that gives me time to think about the purchase I am about to make.

Post # 26
Member
1061 posts
Bumble bee
  • Wedding: December 2011

We cut the cable.  We watch netflix and our shows posted on the network websites or download.  When I want the background noise, like while cooking or cleaning, I turn on the radio now.

It’s been good for our wallet and our relationship 🙂

Post # 29
Member
2492 posts
Buzzing bee
  • Wedding: July 2012

@julies1949:  Never even thought about this! Currently the only electronics that we keep constantly plugged in are large appliances, tv’s and phones. Our video game consules are always plugged in because it is nearly impossible to get to the plug. But if I plug those specific items into a power bar, and leave the power bar within reach…. BWAHAHAHA!

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