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ENNAID2 SparkPoints: (0)
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10/12/11 8:22 P

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My budget is extremely tight but I am making an effort to save anyway, even if it is a small amount. The bank withdraws the same amount each month to put in my savings account. I barely notice it and it is not put as a last item on the budget. I also received points from my Sears M.C. - I put my on-line grocery purchases & my medical expenses, car expenses on the card - card gets paid in full each month. I get cash certificates to buy anything in their store. They have a good selection. So far this year I have collected almost $150.00 in coupons. This is my clothing fund. This saves me from having to put clothes in my budget.
I have the same type of card with Zellers. This gift certificates are used for miscellaneous purchases. Again that saves me money that I don't have to put in the budget.
The savings account are slowly growing. I am trying to build up an emergency fund of 3 months worth of living expenses.


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JTUBA5 Posts: 63
8/1/11 7:49 P

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I have few friends who take their laptop to barnes and noble or panera or somewhere with WiFi and take care of their internet needs one a day or once every other day. It's good if you can make it work.

I don't mind paying for an expensive phone but I've never been able to rationalize one of those internet/data plans. We use our cell phone as a phone. I'm just very cautious about high costs that recur month after month. . . . but some people need them (everyone's lifestyle is different) and good for you for not paying for internet twice.

Spark helped me reach my goal weight so hopefully it can also help me get my budget on track :)
SHELLYHICKEY's Photo SHELLYHICKEY Posts: 7,755
8/1/11 5:58 P

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to prove my point, my service cut out before I finished my message. As I was saying, if I could, I would pay for internet service. I get so frustrated with what I have.

The best years of your life are the ones in which you decide your problems are your own. You do not blame them on your mother, the ecology, or the president. You realize that you control your own destiny.

- Albert Ellis


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SHELLYHICKEY's Photo SHELLYHICKEY Posts: 7,755
8/1/11 4:05 P

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I am a big library fan. I download books onto my mp3 and can download music too, all for free. I would like to get an ereader, and can download for free with that too. I also can renew my books and dvds online. Makes things alot easier.

I don't have tv either. I do miss sports come football season, bbut oterwise, I don't miss it much at all. When I want to watch I get dvds from the library (i love free) I only have a cell too, which is what I use for internet, but it can be so very slow, and if I download I go over my limit and get hit with big fees. So I use free wifi when I can for that, but it is a pain. So I ould

The best years of your life are the ones in which you decide your problems are your own. You do not blame them on your mother, the ecology, or the president. You realize that you control your own destiny.

- Albert Ellis


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SHELLYHICKEY's Photo SHELLYHICKEY Posts: 7,755
8/1/11 4:04 P

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I am a big library fan. I download books onto my mp3 and can download music too, all for free. I would like to get an ereader, and can download for free with that too. I also can renew my books and dvds online. Makes things alot easier.

I don't have tv either. I do miss sports come football season, bbut oterwise, I don't miss it much at all. When I want to watch I get dvds from the library (i love free) I only have a cell too, which is what I use for internet, but it can be so very slow, and if I download I go over my limit and get hit with big fees. So I use free wifi when I can for that, but it is a pain. So I ould

The best years of your life are the ones in which you decide your problems are your own. You do not blame them on your mother, the ecology, or the president. You realize that you control your own destiny.

- Albert Ellis


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JTUBA5 Posts: 63
7/30/11 3:39 P

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We quit cable 3 years ago and are SO thankful. We pay $9 a month for netflix and $0 to use hulu.com. Sometimes we watch TV/movies on the laptop and other times we hook a laptop up the the TV (for hulu) or stream it through our Wii (netflix). Cable is so expensive and we still have more than enough options to watch. Sports is the only thing we miss but if you think you can live without sports, give it a thought.

We also don't have a home phone - just a cell phone for each of us which I get a discount on both through a family plan and through my employer. Verizon gives discounts for a lot of workplaces but many people don't know to ask.

Spark helped me reach my goal weight so hopefully it can also help me get my budget on track :)
MAGIK0731's Photo MAGIK0731 Posts: 4,799
4/27/11 4:23 P

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I have been seeing Emily Giffin's novel Something Borrowed for quite some time at the bookstore but never picked it up until last week. Maybe it was bc they put the book in the front of the store or maybe its bc the book cover has changed and now it states the book is a "major motion picture" but regardless I picked it up at $7.99. I read through the book in 2 days and wanted to continue the series due to Emily putting a prologue and chapter 1 at the end of the book. The series obviously caught my attention. So I thought I should go back to the bookstore and pick up the following book then I thought, hmm...let me see if the local library has Emily's books...sure enough they did! So I check out the next 2 books followed by her latest, saving myself about $25. $25 may not be a lot but when buying books, $25 adds up! So I found that if I go to the library I will save money.

I also found that the library has another author, Janet Evanovich, that I love. I absolutely adore Janet's Stephanie Plum series and at $25 a pop, FREE is more appealing. Who would've thought?! :)

PEACEB2U's Photo PEACEB2U Posts: 470
7/18/10 7:52 P

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Check out Mary Hunt's books or her Debt Proof Living website. She has several homemade recipes for your own cleaning products.

Check out the "Money Savers" spark team and start working on a debt-free diet



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LINDABEAR3's Photo LINDABEAR3 Posts: 1,901
7/12/10 7:03 P

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Also just put my order in for the tightwad gazzette books at the library

Blessed are the cracked, For they let in the light

Don't take life too seriously, No one gets out alive

I used to have a handle on life, But it broke

God must love stupid people, he made so many
Maxine


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LINDABEAR3's Photo LINDABEAR3 Posts: 1,901
7/12/10 7:00 P

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Thank you I found it, I don't know what I was thinking.

Blessed are the cracked, For they let in the light

Don't take life too seriously, No one gets out alive

I used to have a handle on life, But it broke

God must love stupid people, he made so many
Maxine


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SHELLYHICKEY's Photo SHELLYHICKEY Posts: 7,755
7/12/10 5:34 P

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If you do an online search for homemade cleaner, you will get a whole bunch. I never have the recipes (which I got by doing the search) handy when I am on the computer! I will try to get them in the meantime, but you can find a whole lot of stuff online.

The best years of your life are the ones in which you decide your problems are your own. You do not blame them on your mother, the ecology, or the president. You realize that you control your own destiny.

- Albert Ellis


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LINDABEAR3's Photo LINDABEAR3 Posts: 1,901
7/11/10 3:59 P

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Can you share the recipes for your own detergents.softener,dishwasher detergent,cleaners or where can I find them?

I have been doing my Christmas Shopping by buying new items at garage sales. This year a man was selling homemade earrings and bracelets that he used to sell at art fairs, the cutest ones so I stocked up and there was so many different kinds I have enough for years of presents for the ladies. They were $1 each some were .50. I dont know if its this area or not but people are selling brand new items in the boxes that they got for christmas that they don't need or want. Lots of unopened kids toys. They told me its grandparents that won't stop buying their kids toys.

Blessed are the cracked, For they let in the light

Don't take life too seriously, No one gets out alive

I used to have a handle on life, But it broke

God must love stupid people, he made so many
Maxine


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JDMAKEIT2HOT's Photo JDMAKEIT2HOT Posts: 8,455
7/8/10 5:49 P

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i try to save money by
*thrift shopping when i need clothes
* not getting alot of extra when im buying food
*using coupons
*trying to sell stuff i dont need


and not buys extras/ going shopping just cause i have the urge to spend money!



JD

*sparking since june 2007




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MRSFIXIT's Photo MRSFIXIT SparkPoints: (0)
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4/20/09 1:57 A

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The Christmas Tree Shop sells a lot of the same things that Bed Bath & Beyond sells, but for a fraction of the cost.

Donna (Upstate NY)

"Even monkeys fall out of trees."

"Suffering is the tuition one pays for a character degree."

"Accept your diagnosis, but never your prognosis."

home.roadrunner.com/~andydonna


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RICKIANN SparkPoints: (0)
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4/20/09 12:01 A

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These days saving money has to become an art, lol. I think we are all cutting corners everywhere that we can. Aldis and SaveaLot are both good places to shop to buy in case lots etc. I f you watch the meat counter at your local Walmart , I buy meats when they are marked down 30% or more. I buy the larger packages and repackage for meals and family size when I get home and freeze. My daughter has found a small hometown grocery store where she can buy the whole sirloin for about $40. She brings it home and cuts her own steaks, sirloin tips, and roasts out of it and feeds her family a better cut of meat for a fraction of the price of buying those choice cuts.

I would love to have some of those soap and cleanser recipes that I saw mentioned in one of the posts. Would you share them with all of us please?

A penny saved, is a penny earned. Happy saving all and thanks so much for sharing all those good ideas. Keep them coming!

Pat

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MUN_SILVER's Photo MUN_SILVER SparkPoints: (11,895)
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4/12/09 4:09 P

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I try to save money by shopping at sam's club. My husband and I buy in bulk things we need regularly. Also, in stores where we can buy fish, meat in bulk and good quality.

I have been also taking lunch for work, saving money. I cook in the weekends for the entire week and store in freezer. I got myself a coffee maker in office so I do not need to buy an expensive coffee every weekday.

Just 2 weeks ago I started my 1st container garden inside home. I got encouraged by all the people starting their own gardens including the white house. I have fresh herbs and veggies seeds and many of the plants have come out. I have a small veranda, so I am waiting for the cold to go, and then I can get my pots out. Also, we have planted seeds for flowers too...just to feel and look great :)


"The principle is competing against yourself. It's about self-improvement, about being better than you were the day before."---Steve Young.

Starting weight: 157 lbs.
Goal weight: 125 lbs.

Spark jar: $76.14

Virtual miles
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http://recipes.sparkpeople.com/cookboo
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MUN_SILVER's Photo MUN_SILVER SparkPoints: (11,895)
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4/12/09 4:09 P

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I try to save money by shopping at sam's club. My husband and I buy in bulk things we need regularly. Also, in stores where we can buy fish, meat in bulk and good quality.

I have been also taking lunch for work, saving money. I cook in the weekends for the entire week and store in freezer. I got myself a coffee maker in office so I do not need to buy an expensive coffee every weekday.

Just 2 weeks ago I started my 1st container garden inside home. I got encouraged by all the people starting their own gardens including the white house. I have fresh herbs and veggies seeds and many of the plants have come out. I have a small veranda, so I am waiting for the cold to go, and then I can get my pots out. Also, we have planted seeds for flowers too...just to feel and look great :)


"The principle is competing against yourself. It's about self-improvement, about being better than you were the day before."---Steve Young.

Starting weight: 157 lbs.
Goal weight: 125 lbs.

Spark jar: $76.14

Virtual miles
Walking 3366.6 mi
"3.90 mi to Syringa, ID"
Idaho County

http://recipes.sparkpeople.com/cookboo
ks.asp?cookbook=41929


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CASIE43's Photo CASIE43 Posts: 192
2/15/09 7:14 A

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For some strange reason my husband had hot water going to the toilet! Talk about flushing your money down the drain!!! (I noticed this because one day I sat down after he had just flushed and my back-end got a sauna! lol)He said it was so the tank didn't sweat and I reminded him that it was January...not July! Anyways, I told him to shut it of and only use cold water. That was 2 weeks into our monthly hydro cycle. I got the bill yesterday....$12 dollars lower than usual so that will be an average saving of $24 a month! Not bad at all.

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TINDALAYA's Photo TINDALAYA Posts: 237
2/11/09 8:36 A

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Wow! These are all great ideas. I have read the "The Tightwad Gazette" books and have gotten many great ideas. I have been trying really hard to save money in my "emergency fund", but it always seems that as soon as I get it built up a little, something happens and I need to take it back out. I guess that is what it is for.

I also try and think before I buy anything "Is this worth me having to work x amount of hours to have?" This helps a great deal. I work part time and can pick and choose how many hours a week I work. I hate working so if I can not spend it is like not having to work.

Thanks again everyone. I have learn many wonder ideas.



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SHELLYHICKEY's Photo SHELLYHICKEY Posts: 7,755
2/11/09 2:51 A

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Actually, there are 3 or 4 of the tightwad gazette books, I found quite alot of tips in them back when i read them. I do mypoints, and have gotten several gift cards. I get alot of clothes secondhand. I also shop on ebay for better deals on what I cannot get through normal secondhand. I am planning on planting a garden this year. I try to buy organic whenever possible, and it isn't cheap, this way I will have organic and it will be cheap. I also hang my clothes to dry to save money on electric, and have changed all my bulbs to energy efficient ones. I use cold water to wash clothes and make my own laundry detergent,softener,dishwasher detergent, and most cleaners. Next on my list is homemade dog treats. I also eat alot of soup, cheap and filling and you can find some really great recipes.

The best years of your life are the ones in which you decide your problems are your own. You do not blame them on your mother, the ecology, or the president. You realize that you control your own destiny.

- Albert Ellis


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MRSFIXIT's Photo MRSFIXIT SparkPoints: (0)
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2/10/09 5:44 P

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You can also get some great ideas from "The Tightwad Gazette". I believe there are 2 books out, & you can probably get them from your local library.

Donna (Upstate NY)

"Even monkeys fall out of trees."

"Suffering is the tuition one pays for a character degree."

"Accept your diagnosis, but never your prognosis."

home.roadrunner.com/~andydonna


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JONQUIN's Photo JONQUIN Posts: 236
2/10/09 4:51 P

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Get apples at good prices (I've seen as low as 3# for a $1), cut them up and soak them for a short period in water and just a bit of citric acid (to keep them from turning brown). Store them in the fridge for quickie snacks.
Buy London Broils ($1.87 here) when on sale and grind up for hamburger.
Keep your eye out for specials on chicken with the Latin-American stores (.67 a pound lately). I usually buy 40#. Poach it all up, cube, freeze (1# packages are really handy). You can used for soups and salads whenever you want.
Make hot cereals (they microwave fairly fast) instead of the cold stuff. It only takes 3 tablespoons of cream of wheat to 3/4 cup of milk or water for one serving.
Base what you eat for meats to what's on sale. I won't pay over $3.97 per # of meat. I prefer under $2.
Hope that helps.

It's not the paths you choose, it's what you do with those chosen paths.


At 125 take a look at what I want to do next.


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MRSFIXIT's Photo MRSFIXIT SparkPoints: (0)
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2/10/09 1:40 P

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Decide if you WANT something or really NEED it before buying it. Also, if it's something you feel you need, do you already have something you can modify, fix, or other rejuvenate to use instead of buying new? Can you buy it at the Salvation Army, at a garage sale, on eBay, or Amazon for a cheaper price?

Look for coupons & sales, but be sure it's still a deal. Compare the unit price in the grocery stores & make sure the units you're comparing are the same. (For an example of this, check out cat treats.)

Re-use items. Just because something claims to be disposable, doesn't necessarily mean you have to throw it out after using it. Plastic silverware, Ziploc bowls, & even water bottles can be used many times.

Compare the price of convenience foods over fresh. Better yet, plant a garden! Check into buying meat in bulk & freezing it, if you have the space. Do your own canning & freezing.

Find fun things to do at home, rather than going out to spend money. Re-visit your cell phone plan & other such things to see if there's a new deal available. Call your creditors to see if they'll lower your interest rates. Take care of the things you already own, so they'll last longer. It's amazing how keeping things clean & maintained can add to the life of pretty much everything.

Donna (Upstate NY)

"Even monkeys fall out of trees."

"Suffering is the tuition one pays for a character degree."

"Accept your diagnosis, but never your prognosis."

home.roadrunner.com/~andydonna


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WDBROWN94's Photo WDBROWN94 Posts: 2,920
2/10/09 9:04 A

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Are you looking to save money in a savings account or just a way to cut your budget?

I have been saving money by buying groceries at Aldi's. The prices are a little cheaper then the big name stores. I have also started cooking at home and making enough for lunches to bring to work. That has been saving me $5 a day from not eating out.

No one need live a minute longer as he is, because the Creator endowed us with the ability to change ourselves. - J.C. Penney

CLEOLEFT1's Photo CLEOLEFT1 Posts: 2,790
2/10/09 9:02 A

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for one thing, I bought 20 Christmas presents for $118. None over $7 but all reg. $20 at Walmart. They have great clearance around now. In Oct, they usually have alot of school supplies for 2 cents each but I didnt see that this year. Redbox dvd gives a free movie every Monday if you give them your email on their website. Mypoints.com gives tons of points for just following links...I get about $10 in gift cards every month from them. Gas Buddy.com shows the cheapest gas prices in your area...that can be a BIG savings. Then there is the creative way I use Credit cards and certificates of deposit,...

Connie

Cleoleft....the queen of de nile done left the building...time to start fresh!

www.sparkpeople.com/mypage_public_jo
urnal_individual.asp?blog_id=2196985


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JESS614's Photo JESS614 Posts: 331
2/10/09 8:39 A

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me too I can use all the help I can get

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TINDALAYA's Photo TINDALAYA Posts: 237
2/10/09 8:34 A

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Does anyone have secrets for saving money? With the economy the way it is I need more ways to make my money stretch.

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