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YENNIF1 Posts: 139
8/18/09 11:03 P

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Using coupons/if something is on sale you practically get it free
stop taking news paper/you can read it on line
limit eating out to special occasions
switched my light bulbs to energy bulbs/cut off anything not in use/unplugging also helps
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IN EVERYTHING THAT YOU DO PRAY AND GIVE THANKS


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MSWEEZER's Photo MSWEEZER SparkPoints: (84,723)
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8/1/09 9:55 P

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It is most amazing how you can adjust to live within ones means. I was never good at this in my first marriage. It wasn't just me, it was both of us.

Now I am married to a totally different sort of man who is (and has had to be) very frugal. Things have finally gotten to where it isn't a matter of living paycheck to paycheck but we both have learned along the way that we like to have a little $$ set aside. So we both do what we can to cut corners and save. We both brown bag it daily, we drive older vehicles, we use the A/C sparingly and we rarely go out. We like being home and just doing things around the house. Occasionally we'll do something with friends but for the most part, going out is something we prefer NOT to do.

I don't even like to shop like I used to but have just because of weight loss but I'm not too proud to take hand-me-downs or go to the thrift stores to get things. I would just soon someone hand me their clothes they can't wear and I will do the same for the next.

I grew up with little but understand that if you have the 'needs' (food, clothing, shelter, love of family) you really have it all.

Louise (a/k/a Weezie)
Kalamazoo, Michigan

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MDMNINA's Photo MDMNINA Posts: 14,861
7/28/09 10:25 A

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I love the thrill of finding those little bargains! And I think most people appreciate a handmade gift.

Deborah aka

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"I'm through with playing by the rules of someone else's game." - Elphaba, the Wicked Witch of the West in "Wicked".


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KATHYS1944's Photo KATHYS1944 Posts: 5,416
7/28/09 8:57 A

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I have actually been doing my Christmas shopping at the yard sales. You would be surprised how many brand new items you can find. Two sisters are going to get a fit and fresh container (brand new in the box for only $1.00 each!!) I am also going to start crocheting some of my gifts.

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Kathy from Wisconsin


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MDMNINA's Photo MDMNINA Posts: 14,861
7/27/09 1:10 P

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I think what most people are saying here, is that it is all about choices. I don't spend lots of money on clothes for instance. When I shop, its usually at thrift or consignment stores.

But I enjoy several programs on cable TV, so I choose to have that. No premium channels though.

My DH and I both drive cars that are over ten years old.

I like to make handmade gifts for people, instead of spending lots of money.

It's all in the choices we make.

Deborah aka

Leader of the Unofficial Harry Potter Diet team.


Leader of the Wicked Musical Lovers Team.


Co-leader of The Secret Team.

"I'm through with playing by the rules of someone else's game." - Elphaba, the Wicked Witch of the West in "Wicked".


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WALKINGGRANDMA's Photo WALKINGGRANDMA Posts: 18,277
7/27/09 10:19 A

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I have one income also, but there are always to cut back. I'm not sure that I'm ready to do that, but the things we don't really "need" are numerous.

Many people have cell phones with texting, Internet access, etc. They have cable or satellite, newspaper subscriptions, etc. They eat out regularly. They buy lots of stuff.

I think the idea is to simplify and cut corners where possible. It is not always pretty, but it usually can be done. We read about people who live fabulous lives being frugal. I don't do that. I'm careful in some places and not in others.

I have a simple cellphone plan. I don't have cable. I eat out less than twice a month. On the other hand, I do buy clothes, toys for the kids, I buy movies because I don't have time to go to the theater.

I could cut corners in a lot of ways. I don't yet. I am deciding on ways to cut back a little without messing up my lifestyle. Eating less expensive food is one thing I can do. Using the air conditioning less is another thing I can do (fans at night with open windows and even sleeping under a damp sheet.) Taking fewer trips in the car helps out also.

I think that saving money is like losing weight. It is a matter of shaving pennies off things just like shaving calories off your favorite foods.

It is unfair that you don't have insurance and have such high rates. I think changing that and making group policies available to small businesses is a better move than universal health care. It can't be that hard to work up a group plan that many small businesses can contribute to.

Oh, well.

Call me WG
A journey of a thousand miles begins with a single step.

Be yourself. Everyone else is already taken.
Oscar Wilde

You will never "find" time for anything. If you want time, you must make it.
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TANYA210's Photo TANYA210 Posts: 23,776
7/26/09 11:08 A

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We live on one income too. No way to save any kind of money. My husband works two jobs and we still have a rough time of it. I coulod go to work but daycare is too expensive and I wouldn't trade in the time i am getting with my kids. We haven't a vacation in 3 years hopefully next year.

My kids are on Medicaid. My husbands insurance cost too much. for just me and him it will cost 300 per month and has a 3000 deductiable. It is not worth it. His job reqires for him to be on it but we cannot afford me. Right now I pray I don't get sick and I pay out my yearly exam(they are so nice to do that for me). It is hard to find insurance for me that we can afford.

We have already nearly lost our house, but our mortgage company refincenced the house. So far we are ok, but it is hard.

Tanya

Always keep the Faith in yourself, never give into self doubt.


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SALDRU's Photo SALDRU SparkPoints: (0)
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7/26/09 8:22 A

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That's a cute idea. "Live on one income - save half". IMPOSSIBLE! We live on one income and there's no way possible we could save half. I guess if you're making 6 figures it's an option, not if you're living on 5---it ain't. Unless, of course, we get rid of the kids.

Edited by: SALDRU at: 7/26/2009 (08:23)
JUDITH1654's Photo JUDITH1654 SparkPoints: (204,465)
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7/25/09 10:57 P

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Nothing different. I've always made a dollar spend like three.

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WALKINGGRANDMA's Photo WALKINGGRANDMA Posts: 18,277
7/25/09 10:27 P

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I haven't changed a lot of things. My mother grew up during the depression and knew how to stretch a dollar. She taught us the same thing.

I have and still turn off lights when I don't need them. I run fans at night or nothing. I insulated my house so the heat doesn't get as bad.

Bought a used car (new to me) in January but the last one was 20 years old. Take a few vacations, but haven't been far in two years. My house is paid for. I need to work on the inside, but it is mine.

I follow the old saying, "use it up, wear it out, make it do, or do without."

Susie Orman suggested that if we have two incomes, we learn to live on one. I like that. If we have one income, we should save half. I am not doing that, but it sounds like a good idea. I like paying cash for things.

I guess we all are tightening a little or a lot. It is hard, but we can do it. It will make us better people when we come out on the other side.

Call me WG
A journey of a thousand miles begins with a single step.

Be yourself. Everyone else is already taken.
Oscar Wilde

You will never "find" time for anything. If you want time, you must make it.
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WALKFAST11's Photo WALKFAST11 Posts: 1,491
7/25/09 10:06 P

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No spur of the moment spending money.

Last vacation in 2002. but paying on a cruise for January.kinda like lay away vacation.LOL

Follow shopping list. put blinders on DH when grocery shopping he is worse than a kid.

both trucks are over 4 yrs old. no new one is sight.

using coupons for groceries.

WE have 200.00 dollars taken out of dh's pay check and it is automatically put into our savings. that is the only way we will save. and i have to rule the spending with a tighter fist because dh just doesn't think about saving for those rainy days.


Pat


Edited by: WALKFAST11 at: 7/25/2009 (23:02)
Patricia(Lilred)

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SALDRU's Photo SALDRU SparkPoints: (0)
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7/25/09 6:06 P

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Oh my gosh, what haven't we given up?

I no longer go "fun" shopping with my sisters now it's only necessaries that I pick up.

No date night with hubby.

Haven't had a new car in who can remember.

Haven't had a vacation in 3 years.

Should I go on?

TANYA210's Photo TANYA210 Posts: 23,776
7/25/09 5:45 P

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With the the way our economy is what are some ways you have cut back?

We have cut back on the electric by running standup fans at night and on days that are in the 80s. I also open windows.

I cut out coupons and make a grocery list of onloy things we need so we don't over spend. We don't eat out much anymore.

We still struggle but we are getting through.

Tanya

Always keep the Faith in yourself, never give into self doubt.


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