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TRYINKEEPUP's Photo TRYINKEEPUP Posts: 73
8/15/10 3:52 P

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Rice and chicken, I have in bulk. The rice is in individual baggies in a big sealed tub, ready to be pulled out and cooked, pre-weighed for portions. The chicken is frozen, no skin, no bone. One 7$ bag is enough to feed my roommate and I for a month.
I stop at the corner grocery on the way home from work and get 2$ worth of veggies/fruit. If I'm feeling fancy, I'll get the awesome tofu they sell 5 bricks for 1$ (and then it's tofu for the next few days. yummmm) I waste less, and almost never have to toss out fruit/veggies that have gone bad from being unattended. They veggies types that aren't available there, I tend to buy frozen, or on special occasions when I hit safeway to get more spices (and even then, I tend to buy spices in bulk and refill my containers rather than tossing anything out).
I'm not in debt, and I don't live beyond my means- but my means are very, very limited.
I rarely eat out, I purchase most of my clothes at Out of the Closet or Good Will, and I hit up the farmers market for my weekly treats (1lb of cherry tomatoes for 1.15$ SO GOOD. plus, free samples from almost every booth, with tastings of peaches, pears, apples..amazing)
My gym has discount, and I pay only $15 a month. It's a tiny gym, all fitting in one room, but I love it and it's almost always empty. When they're closed on weekends, I go for long walks around the tourist districts or the city's several-mile-long parks.
I find I get away with drinking water at a bar when I tell the bartender I'm a friend's D.D. (and hey, why would I be in a bar if I wasn't there with friends, anyways?)
When I host a dinner party, which I often do, I use the 'stone soup' concept. I invite everyone to bring an ingredient or two to add to the dinner. Sometimes we make lasagna, sometimes homemade pizza (I got word from a friend last night that they've started putting spinach on EVERYTHING because of my cooking. I was thrilled!) I love cooking, so having my friends around me, joining in and making the party a success.. fantastic.

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HAWAIIMOMMY1's Photo HAWAIIMOMMY1 Posts: 80
8/15/10 1:56 A

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while at the grocery store i buy frozen fruits and vegies, shop the bargin bin for meats, and plan all my meals around the sales at the grocery store. we dont have credit cards so we only use cash. have cancled our cable and have netflix if there is anything on t.v to watch we hook to laptop up to the t.v

"The only person who can change your path is you"



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SLY_REDUX's Photo SLY_REDUX Posts: 1,595
8/14/10 5:57 P

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Imagine that, huh?

I discovered a new budget saver yesterday, on Sparkpeople, of all places. I was p'ing and moaning in my blog about not being able to get a denture re-line right now, because they cost so much (anywhere between three and six hundred dollars), and because, with my weight loss and the changing structure of my face, the re-line would need to be redone every few months. Now, mind you, these puppies are falling right out of my head. I'm going through unbelievable quantities of adhesive, and most of that stuff has zinc in it, which can lead to neurological consequences. So, didn't a Sparker tell me that they have re-line kits on Ebay for under twenty dollars, they're easy to use, and his last result lasted for two years! Needless to say, I have a kit on the way even as we speak.

MAN, do dentists make a profit! I thought it was only doctors and pharmaceutical companies!

Sylvia

"It is never too late to be what you might have been." - George Eliot

"Believe in possibility!" - Me

www.facebook.com/greeneymorris


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ROBINSNEWNEST's Photo ROBINSNEWNEST Posts: 634
8/14/10 12:29 P

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I believe you! I've shopped around and looks like will be able to cut current interest rate in half by opening a small savings account and refinancing with credit union.

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SLY_REDUX's Photo SLY_REDUX Posts: 1,595
8/13/10 11:32 A

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Never EVER finance a car thru the dealership, even if they procure bank financing. They ALWAYS get a cut of the interest, and you'll wind up paying more.

Sylvia

"It is never too late to be what you might have been." - George Eliot

"Believe in possibility!" - Me

www.facebook.com/greeneymorris


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ROBINSNEWNEST's Photo ROBINSNEWNEST Posts: 634
8/13/10 10:20 A

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I'm on a mission now to refinance my car at a lower interest rate. In addition to not using the credit cards or making impulse purchases, I've cut our grocery spending considerably by paying attention to sales, varying our menu accordingly, buying "store brands" (which I discovered is every bit as good as premium purchases in almost every instance), doing a few more meatless meals each week, eliminated fast food runs and stopped using the remote to flip to QVC (where I can get in trouble fast with those impulse buys).

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SLOLOSER's Photo SLOLOSER Posts: 8,646
8/13/10 1:29 A

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That's great advice for those with a lot of debt, Sly!

I'm concentrating on smaller things, like coming home for supper and then going out to go shopping instead of going straight from work and grabbing a bite to eat on the way.

Diane

Bustin' that Bulge on a Budget!
teams.sparkpeople.com/bbb

"Be not afraid of going slowly; be afraid only of standing still." - Chinese proverb


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SLY_REDUX's Photo SLY_REDUX Posts: 1,595
8/9/10 7:51 P

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The biggest thing I've done recently is refinanced - consolidated every debt we have, including credit cards and mortgage, into one equity loan. The interest rate is great, we're spending almost 50% less a month, and everything will be paid off in fifteen years! If you're thinking of doing this too, you might want to consider locking something in soon. Seriously, how much longer is the prime rate apt to stay this low?

Sylvia

"It is never too late to be what you might have been." - George Eliot

"Believe in possibility!" - Me

www.facebook.com/greeneymorris


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KEEPITSIMPLE_'s Photo KEEPITSIMPLE_ SparkPoints: (60,967)
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8/8/10 11:56 P

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Ditto on the credit cards and bank card, leaving them at home. I no longer carry credit cards with me, therefore I can't justify a purchase on it when there isn't much left in the checking account.

I also limit what's in the account, so we don't blow money unnecessarily. If the money isn't there, we just don't use our debit cards. Sometimes, I leave that home too. I normally grocery shop lightly at lunch though, so it is with me on days that I grocery shop. This prevents unnecessary purchases.

Eliminate credit cards/cut interest charges.

Plan ahead for major purchases and either save up for them or use programs like "same-as-cash" to pay them off interest free within a specified period of time.

I keep the thermostat programmed at a higher temp during the day, except for exercise in the evening, then turn it up again and use ceiling fans.

We eat out less and when we do eat out, it is at inexpensive restaurants, and we order smaller portions, skip the appetizer's/desserts/alcohol/extras.

When grocery shopping, we try hard not to add "extras" or "impulse buys" to our cart. This is a challenge for us.

Cut out watering the grass and flowers since it's been so hot and dry.

I bring my own lunch and snacks daily.

We regularly evaluate our budget and review bills and unnecessary spending.

When we cook, we cook only what we need plus 1 extra meal, anything beyond that is wasteful.

We shop in bulk at Sam's Club.

We try to conserve fuel and cut out unnecessary driving/errands.

We are always open to great tips for cutting costs.






Dear Lord, set my sights on You and Your great attributes. Help me to live in Your presence, dependent on Your guidance each day. In Jesus’ name, Amen.

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Each new day is a blessing!
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CARLA0716's Photo CARLA0716 SparkPoints: (36,159)
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8/8/10 5:01 P

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I've now decided to leave my credit card and bank card at home while I go out, unles I'm intending to make purchases. And then its the bank card, so I won't overspend - I only have so much in the bank that's not alloted for bills!

Time is the coin of life. It is the only coin you have, and only you can determine how it is spent.


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EVER-HOPEFUL's Photo EVER-HOPEFUL SparkPoints: (142,458)
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8/8/10 4:19 P

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what i am doing at the moment to save aload of money is instead of phoning tunisia to speak to my husband and the kids there i speak to them free via skype.the added beaty of this is not only to a save a fortune speaking to them i also get to see them and them me with the webcam.we can´t do that on the phone.

FBI AGENT(detective) in the BLC challenge

if at first you don´´t succeed,try try again.

heaviest weight-330lbs
start weight sp-270.4lbs
goal weight-155lbs

if i was worth my weight in gold i would be a millionair.my riches are measured by other standards and are worth far more than any gold.

we cant become what we need by remaining what we are.

Fear less, hope more; Eat less, chew more; Whine less, breathe more; Talk less, say more; Love mo


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SLOLOSER's Photo SLOLOSER Posts: 8,646
8/8/10 2:03 P

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What do you do to cut costs?

I'm sure we all have several different things we do to cut costs.
Share them here!



Diane

Bustin' that Bulge on a Budget!
teams.sparkpeople.com/bbb

"Be not afraid of going slowly; be afraid only of standing still." - Chinese proverb


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