These are all good suggestions, a few I didn't think of but will utilise them!
I am very concerned about the environment so I don't buy paper goods as much as I can get away with. I use reusable hand cloths, linen napkins in place of those paper wasters. I also avoid plastic containers & anything disposable whenever I can. When I grocery shop I look for the foods with the least amount of packaging as well. The only paper goods I keep on hand are the obvious toilet paper & I use Kleenex since I moved back to the left side of the country because my allergies flare up in fall!
I have also always used the library instead of rushing out to buy books. If I want to buy a book I see if I can use it in e-book form before bringing in a book and putting it on the bookshelf. Same with magazines, my library system has Zinio (emagazines) where you can check out magazines on your laptop, book reader etc. Saves me from having to recycle magazines and less money for unwanted subscriptions!
I put in all my receipts into a spreadsheet every month in their proper category so at tax time I have what I need at hand. Every month's receipts are in an envelope!
In terms of cleaning products I use vinegar, baking soda and water for most tasks so I am not buying separate products for each household chore and I save a lot of money this way. (If the smell bothers me I use a little lemon or orange to soften the blow.) I do buy Windex though it seems nothing works as well as the blue stuff for mirrors and windows lol!
At the beginning of the year I see what do I need at hand to send out anniversary or birthday cards, pick up butcher paper, have UPS send me boxes etc. I get these items at the 99 cent or dollar store or at Big Lots! Plus I have some relatives and acquaintances who live on limited incomes and need a basket full of supplies and essentials from time to time so I keep those items at hand so I can just make up a bag or basket full of items and they are all set till their next check comes round.
I'm careful buying fresh foods to make sure I can use it up before it goes bad. Fruits, vegetables, soy milk, cheese etc...I'd rather go to the grocery twice a week than waste money!
I saved up the entire amount of buying the car I wanted before I purchased it. I drive a car until the car is ready to go to car heaven. I've pretty much always had a Toyota, now I have a BMW but it was bought a few years into its life, great car.
The biggest thing I can think of is not buying the entire loan amount of a house that I was approved for. I don't need a mansion for a home. I don't have to waste time cleaning what I don't use and sure some of the rooms are smaller but I paid 30% down, avoided PMI and can breathe so much easier in life because I'm not beholden to a bank for the entire cost of the home. Plus in 7 years I will own the house. No 15-30 year loan for me!
Edited by: FANCYKAYAH at: 11/24/2013 (05:59)
"If a person wants to be a part of your life, they will make an obvious effort to do so. Think twice before reserving a space in your heart for people who do not make an effort to stay."
"Your happiness is up to you. Whatever happened in your life to make you who you are up until this point is irrelevant. It is your responsibility now to take control and change your life to be what you want it to be. Energy and persistence conquer all things. Make time, not excuses."
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