This is a small tip, but every bit helps...if you make tea, put hot water in the teapot instead of cold. Americans are typically the only ones who fill the teapot with cold water. Same goes for boiling water for spaghetti, etc.
"I'm not telling you it is going to be easy - I'm telling you it's going to be worth it" -- Art Williams
These "Tips for Thrifty Living" were printed in the Kansas City Star today.
1. Make a budget and try to spend a little less each week.
2. Make your meals from scratch instead of buying prepared items.
3. Take your lunch instead of eating out.
4. Sign up on the Web sites of your favorite stores and restaurants for coupons and discounts.
5. Question or delay purchases until you have time to consider them. Before you buy an time, figure out how many hours you have to work to pay for it. It may not be as enticing to buy that shirt if you have to work three days to pay for it.
6. Buy produce at farmers markets.
7. Combine errands so you make fewer trips.
8. Use the library. Instead of buying books, DVDs and CDs, check them out.
9. Find free entertainment. The average person spends about 1800 a year on entertainment, not including eating out.
10. Sell your clutter. This is not so much about saving money as about making it. Have a garage sale.
11. Stop paying interest. Try to live without credit cards.
12. Travel frugally. Advance planning can save you money on airfare. Also, consider trains. Around town use public transportation.
13. Maintain, maintain, maintain. Take good care of your furnace, roof air conditioner and appliances.
14. Turn off the lights when not using them.
...Joyce Smith of the Star, The Motley Fool, The Cheapskate Guide.
Pre-allocate money so that you can take advantage of any savings offered by prompt payment. I save a significant amount on oil that way as well as property taxes.
Pay your bills over the Internet - many of the banks provide for online banking. There is no postage, no cheque writing fee, and all transactions and their clearance dates are clearly listed on statements and user generated reports. Most banks software will also export and download files for use in your software.
Work tips Bring your lunch to work rather than eat out.
Pretend the vending machines at the office don't exist, or never have change.
Sometimes I think that my best investment ever was a Thermos bottle. Take your own coffee.
Car tips Car pool if possible.
If you drive an older car, consider carrying only liability insurance if you can assume the risk of loss. Maintain your car.
Get the cheapest price possible on auto insurance.
Know your gas stations and fill up when you're near the cheap one.
Use public transit.
Plan your trips to save gas.
Price shop. Buy used cars; the original owner pays for the new car's depreciation.
Household budgeting tips Match your long distance company with your calling habits. If most of your calling is done in the evenings, get a plan that gives you unlimited evening and weekend calling.
Turn off lights and anything electrical behind you.
Cook with covered pots. It takes much less energy to cook if the pot is covered.
Plan meals for the weeks / month ahead prior to going to the grocery store.
Make a shopping list and stick to it.
Buy store brand foods instead of national name brands.
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