Totally nerding out with the finance posts. Thanks for starting this one!
I have this mindset as well and so does DH. We keep minimal money in our checking accounts because if we don’t see it in there, we’re more frugal and won’t spend. I notice if we have a higher amount in our checking, we go out more and spend more. Everything else goes into savings and we’re also looking into opening a new investment account with some family inheritance money as well (once we use said money for some very large emergency house things like a new roof, meh).
May sound immature in your mid-twenties, but we joined my ILs cell phone plan instead of getting our own because its nearly $100 cheaper a month. We just write a check to Mother-In-Law and give it to her on a certain date every month just like every other bill is due. We also only pay for DirectTV and Wifi, we don’t have a home phone bundle or whatnot (most people we know do and they pay like $200ish a month for it).
I shop at Aldi’s for most food because its cheaper and I watch the ads for whats on sale to stock up. They rotate through produce sales, which is kind of nice because I’ll buy what’s on sale and it’ll change up our meals for 2-ish weeks. I also got a Kroger Plus Card because they have deals that are $1-2 off regular price sometimes and also do really sweet $10 for 10 deals on products that I can buy in bulk and stock up on.
One big way we save is by purchasing our meat locally and all at once, and we hunt. The only meat I buy from the store are chicken breasts. Beef can cost anywhere from $300-$600 depending on market price and total process weight, and we buy once a year. We always have meat leftover when the next year comes as well, same for pork but pork is cheaper maybe like $100-200. Then there is hunting… yeah sure we have our clothes, guns, bows that cost a lot initially but we pay $40 for tags and if we use all of our tags, we can kill about 6 deer each (we never kill that many because that is a shit ton of meat). We process all of our own wild game (deer, turkey, duck, doves) so we don’t pay for that (minus a Foodsaver and the vaccum bags) and eat that alot too. I highly recommend to everyone trying to buy your meat from a local farmer/butcher than at the store. Not only do I personally think you save, BUT you know where your meat is coming from. Ask around for what methods you prefer (grain fed, beef fed, etc. whatever your preferences are) and develop a good relationship with the farmer.
I know this technically falls under the “pack your lunch, don’t get starbucks” category BUT we also have a wood stove in our house. So we cut wood and try to use that as our primary heat source when the colder months come around and it saves us on our propane and electric bill big time.
P.S. Based on those last two points… I promise I’m not a hick and don’t live in Alaska or something, LOL.