10 Surprising Life Hacks to Save (and Make) You Money!
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- Опубликовано: 23 авг 2024
- In which we discuss 10 surprising life hacks to save money--on food, on rent, and much more!
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0:33 Drink more water
1:04 Buy in bulk
1:20 Use a rewards cars
1:36 Use cash
1:52 Pay your mortgage when you get paid
2:23 Get a roommate
2:36 Use the library
2:57 Have a no spend day
3:14 Brew your own coffee
3:27 Get a lower price
The best response I've heard to the typical money saving tips was "If you think I'm spending 7 dollars a day on coffee, you already think I have more money then I do."
Which applies to only one of these tips, the rest were really useful so thanks guys!
Don't smoke, do drugs or alcohol.
That will save your life and your money. :)
I love you
Or just don't do drugs since alcohol (at least ethanol) is a drug and so is tobacco (which is probably what people are smoking). caffeine is also a drug, by the way.
Sound like a boring life...
I'm a student and I like to cook in bulk and then freeze the extra. It saves me money per meal and means that I save time cooking on busy days. It also reduces the times that I need to eat out because it's late and I don't have any food, and I have healthy food on those days.
+Laura Ireson this! I've done this for years, it works for all sorts of meals like bolognese, curry, risotto, casseroles, lasagne, stews. chilli, heck even fajita filling . When combined with the shopping in bulk it can save you loads of money and means no waste from the bulk food going off, plus if you have a decent sized freezer you can have a variety of different meals frozen so you don't have to eat the same thing for a week!
Sadly, this is pretty US-centric... I live in Germany and coupons aren't really a thing here, neither are credit cards that give discounts or free water in restaurants. I'd love to use my local library, but I prefer to read English books, which they do offer but only classics and such. Mortgage payments work differently here too. I really like the idea of this channel, it's frustrating that most videos don't apply to other countries though. I am aware that making those videos more "international" would mean a lot more research, but y'know, it's food for thought.
+Leyla Dawn I hear what you're saying. This is the most common complaint we receive, and believe it or not, we try REALLY hard to be as internationally useful as possible. But it never hurts to be reminded of our audience outside the US borders. Thanks for the comment!
- Mike
+Leyla Dawn Sounds like you need to move to the US.
+How to Adult I'm glad you take into account!
+Bottleworksnet No thanks, I have excellent health insurance (that I do have to use quite a lot) here. I'd also miss the food and the people. Germans don't bullshit you, Americans are often nice when they don't really mean it.
+Leyla Dawn My tip to any German is, even if it can be annoying, to use reward card systems. Payback, DeutschlandCard etc. or even Shopkick. Especially using their coupons for like 10fach Punkte etc. very wisely. At first it doesn't seem all that much but if you use it frequently you can definitely get some good money out of it.
Shop for clothes off season and be patient in waiting for sales! Sometimes the waiting game is best... You won't be making any rash and unfortunately expensive decisions!
+Manna Flores And sometimes you realize that you did not need that item anyway. Even more savings!
That's one of the best things I do, I buy shorts in November when they're like 5-10 dollars each, it's great
I've had my ups and downs financially, so here's a few things I've done:
- Purchase grocery store gifts cards... for yourself! Like the "pay with cash" tip, it makes you extra aware of how much you're spending and can keep you within your budget.
- Use less shampoo & conditioner. I managed to train my hair from needing a daily wash to only needing a wash every 3-4 days. Saves on the water bill too and makes your hair healthier. Depends on your hair type, of course!
- Take public transportation. Possible to do if you're not crunched for time or doing major shopping. You save on gas by just taking a bus a couple times a week. It can also make you a little more productive -- I spend my bus rides writing!
- Cancel the data plan on your phone. Some busy folks really need it, but life is completely manageable without it if you've got a computer/tablet at home anyway. Plus, more and more places have free wi-fi so it's not that inconvenient.
- Printing -- see if the local university/college sells printing cards. Sometimes printing at schools is cheaper than the local library.
- Keep a small thermos of water with you so you don't find yourself buying a bottle of water from a vending machine.
- A classic tip from my grandma: Instead of purchasing tupperware, save emptied butter/sour cream/whatever containers to use instead. Same goes for glass jars!
Never pay with coins. Always use whole bills when paying with cash. Take those coins and stow them somewhere. Next time you need a little extra, take the lot down to the bank (never a machine; those charge extra) and turn it into a little extra spending money.
Call you cable/credit card/phone/whatever company and say that you want to terminate service. They'll offer you a deal to keep you as a costumer. Do this every 6 months.
My advice: make a spreadsheet of ALL of your expenses and have columns to break those expenses into their weekly, monthly and yearly costs. That way, you can put aside money each payslip so bills and occasions don't hurt when they come about. And you'll also see where you could trim your costs.
I find it hilarious that the coffee thing is considered a "life hack" in the US. "Unbelievable, you don't need to rely on overpriced coffee shops and Starbucks!"
In Finland people drink coffee more than in any other country, and everyone owns a coffee machine. Everyone brews their own coffee - presenting it as a life hack to us would be met with hearty laughter. :'D "Yeah, we know."
Sure, we have coffee shops and automated coffee machines with different flavours like everywhere else, but many times people can just bring a thermos if the machines aren't free like in many companies.
+Wild Akwatypus The funny thing is that I'm pretty sure 99% of US households have coffee machines, too. That's why brewing your own coffee is so much cheaper- you don't even have to buy a machine. My guess is that everyone is in a hurry and doesn't want to wake up early enough to actually brew their own, so they just drive through Starbucks
Anna P
...And yet, waiting in line at Starbucks might take just as much time. ;P Coffee machines can be very quick doing their jobs, and the initial steps could be done before bed. You can just push a button in the morning and let it brew while you're busy doing other routines. The only downside is getting just the "standard" coffee instead of some weird pumpkin spice vanilla latte I dunno. x) The upside is, you can brew a lot, and take like three cups with you.
not a hurry! just lazy, and more lazy, home made coffee and home made diner, lunch its helthier and cost less money. that way you can save extra $$$ for nice pair of shoes or some fancy hand bag! think, calculate, and plan.
@@Akwatypus I couldn't have said it better myself! AWESOME, MONEY SAVING ADVICE! 👌👍👏
Actually #4 does not work for me at all. Carrying around cash makes me spend money on random things I don't need. A snack from the bakery, soda from the little supermarket next door or any other useless items I stumble upon. It also makes me eat more fast food.
+drumsofautumn That can be true. Here (Australia) a lot of smaller places either have an eftpos minimum of at least $5 (usually $10) or don't offer eftpos at all so if I don't have the cash I can't buy the random products.
+drumsofautumn Same! And the worst part is that it's impossible to track because it's not on my bank statement (other than "cash out" at some point) so I wonder where it has all gone.... A snack here... a random thing there....
+drumsofautumn I dodge this by limiting the amount of money i carry when leaving the house. although some banks LOVE only paying in 20s with their atms, that is why i try not to use them.
drumsofautumn ,my advice is get receipt,and also carry a pocket notebook and pen,so you're able to track your spending.
Easier to do that with evernote. no im not sponsoring them, trust me.
My wife and I did #5 with our mortgage - they actually offered it as an automatic repayment option. Eventually though we figured out that the extra little bit we were paying each month was _practically_ the same as what we _would_ be paying on a much shorter mortgage.
So I would add the advice - if you try #5 and it turns out your budget can handle the extra mortgage payments, AND if interest rates are low enough, take a look at refinancing to a much lower term. We cut 15 years off our mortgage that way.
Matt, one thing to do is: pay any additional amount you can spare, over your mortgage payment each month --and notate that it go toward the principal, not just mostly interest, like the usual extra payment. This way, you are chipping away at the principal much more quickly.
My favorite money saving tip for groceries: many large supermarket chains here in Canada have "15% off Tuesdays". The first Tuesday of the month you get 15% off if you spend a minimum amount ($50) and have their loyalty card. The best day to buy non-perishable food, laundry detergent and such items, and really stock up on fresh fruit, veggies and so on. You don't need a large household to really save a lot. No coupons needed; just some planning.
I save money by cooking. Restaurants are for special occasions and social events only. Two co-workers and I take turns cooking in order to save work and have a variety of food. We hold each other accountable and we're all saving money compared to eating out.
I like to keep alcohol and mixers at home because if you are going to drink, home is relatively cheaper than going to a bar. If friends want to go to a bar, I offer to host instead. Sometimes it's literally cheaper for me to mix drinks for everyone than it would be for me to buy a couple drinks just for myself at a bar. Better yet, ask friends to bring something to mix or drink, and you're definitely saving money.
My local public library also has access to academic journal and periodicals that would normally be behind a paywall!
My husband has always paid ahead on the mortgage. This gave us a terrific amount of equity and allowed us to avoid a "jumbo loan" (more than $600K, I think) when we bought our new house. Remember to indicate on the extra payment that it is "for repayment of principle." Some lenders will just apply it to the interest first if you don't specify. Check and make sure or make sure when you apply for a mortgage that there is no penalty for early repayment.
My husband also had a roommate for the first few years after he bought his first house. The roommate did household repairs! He also got up early and went our for doughnuts on the weekends. We really missed the doughnut fairy when he moved away.
This is a small one, but I find keeping a change jar helps a bit. Even if you're only tossing in a couple of quarters a day it adds up really quickly (and as a Canadian , I can toss $1 and $2 coins in too!)
I do that or when I get a $5 bill for change I put it in an envelope to save up for later. Out of sight out of mind until I need it.
I'm 17 but I have a plan somewhat. I dont have a job but might have one soon. We have a rental house where the rent is $700 a month but ill probably be at my parents for awhile. Because just living at your parents house for awhile saves money altogether lol. But the plan is once I move into the rental house, I divide the money evenly between several things like Bills, savings, 401K, Sunday church, X-Mas gifts, and much more.
About the "latte factor" - it doesn't have to be coffee. It can be anything you spend money on without realizing it that you don't absolutely need. For me, for the longest time, it was buying craft supplies I never ended up using. So I cut that from my budget and made a rule that if I HAD to buy something from the craft store, it had to be with the $20 cash I kept in my pocket for frivolous spending. It cut my purchases WAY down and now I only get things I use
Buying in bulk can also be a huge money sink: With groceries, only buy what you are absolutly sure you want to eat before it goes bad - throwing away food not only costs you money but increases your carbon foodprint a lot and is a huge waste on drinking water. Also with other stuff I find myself "wasting" it more if I have huge amounts at home. A bigger shampoo bottle for some reason is inducing me to use bigger amounts of product per hair wash. I not only harm my hair and the environment more, but also lose the money I thought I safed on price/liter.
+ananym It is always surprising to see that the last 10% of the shampoo lasts almost as long as the first 50%. The solution: transfer some shampoo into a smaller bottle. I always keep using and refilling my travel size shampoo bottle. Even if you know that there is another large bottle just waiting to be used, seeing the level drop with every squeeze of the bottle really stops me from wasting that stuff.
+ananym I don't usually buy big shampoo bottles, but with shower gel what I do is decant it into a pump bottle, I have a pretty small decorative one but it can be anything with a pump. I find that if I keep it in the huge bottle it came in I tend to, not only use more, but let it slip a lot because of the weight + wet hands, and each time it falls it waists some product or hurts my feet.
Anyway, sorry for the long ramble only to say: maybe you can keep buying the big shampoo bottle if you decant it into a smaller one or a pump bottle.
+ananym +pieter zeeuwen just noticed 7 hours ago you said almost the same thing I just wrote, lol.
I also do it with the hand soap, instead of buying the complete bottles I just buy refills.
And then there is the ultimate money saver: if you are ever somewhere where the shampoo etc are free, such as in hotels where they give you small bottles, bars of soap, etc, then take them home to use. That way whatever is left in the bottle is not thrown away but actually used by you. And you don't have to buy it. 1 for the environment and 1 for frugality.
+ananym I think that's why she specified stuff 'that doesn't expire'.
Just wanted to clarify, the "rentals" at most public libraries are free. As well as dvds, books, and audiobooks some libraries also have games, sporting equipment, or other random things you can check out. Also, my library has a digital music and streaming video service for patrons. Some libraries have crafting programs (supplies often for free), educational programs for kids and adults, and occasionally even "adulting" programs!
Also, if you're a small business and need a meeting room, most libraries offer the use of theirs for free or a very small charge. Most don't allow money to change hands (aka you can't sell there) but you can use it for interviews, meetings, and training (equipment use is often free too). *Note: Because of COVID many libraries are limiting their room use but they're slowly moving back to normal.
Thanks for the video and thanks for the library shout out!
Sincerely,
Your friendly neighborhood librarian
My bank (Navy Federal) offers up to 5 prepaid cards that are an extension to your debit card. They run as debit or credit and you can set up a pin. The point of these cards is to have the "envelope" budget system but on cards so you don't have to worry about losing your cash. I put a specific amount in each card for gas, groceries, entertainment, etc and If i use up all of the money for a specific card my card will decline. This keeps me from spending because no one wants to see their card decline at a store. You can also keep track of your transactions for each card. It's really neat and i encourage others to look into their own banks to see if they offer a similar feature.
Best way to save on my monthly expenses was to go with a prepaid or low cost phone service and buy your phone. I don't know why I ever want with a contract, probably the appeal of a high end smart phone. Now I'm paying 1/3 the cost. Instead of paying for cable TV and Netflix, I use free internet based alternatives, they are in the grey zone. Going to the local drive in I pay half as much and get 2 movies instead of one, and I can bring my own food and drinks. For almost all entertainment expenses, there is usually a free or low cost option
Also, pro tip on the water: if plain water isn't your jam, ask for it with some lemon or (my preferred way) lime to jazz it up a little bit.
I recommend going to your local health food store for herbs/spices. Bring your own jar and you will find you can save a lot on bulk herbs/spices than buying an over priced jar at the regular grocery store. Also, you can buy as much or as little as you want. If a recipe calls for 1 tsp, you won't have to buy a large jar and have the rest go to waste.
Paying with cash trick is reversed for me. Only have cash on hand if I do cash back (which I don't do anymore), which separates the time I lose the money from my account and when I spend it, decreasing the psychological effect of the spending. Whereas my bank send me a statement monthly on everything I've been using my card on, which *does* have an effect. Having grown up in a more cashless age, I think, makes that whole paying in cash thing less relevant for people my age and younger (21, btw).
+HisRoyalCarlness Agreed. I track my budget online with Mint, and cash doesn't show up on that budget, so my brain justifies cash spending as not really "real" spending. I'd love to see that study repeated with younger shoppers.
Oatmeal. It costs the same as a nice box of cereal, but then it lasts for MONTHS.
Great hacks! I feel like the latte factor can help many people, not only with lattes but products we buy very frequently as well (eating out often). To shave a few dollars could be looking at cable, electric, phone, and/or insurance bills to somehow lower the cost too
This is great! I've had this in my watch-later playlist for too long! Thank y'all!
I was interested in that tip about selling your old stuff so I did some googling and I found services in the UK that will buy used books. I unloaded a tonne of kids books on my cousin but I had no idea what to do with the rest. I was planning on asking a library if they would take them but considering I'm a student getting some money for them would be better.
Check your fixed expenses on a regular basis.
Also, I started using ynab recently and am quite pleased with it. It costs some money but it helps saving so much more than its price...
I just want to point out that regarding the mortgage suggestion, some mortgage companies will specifically tell you they will not allow you to do that. It's advice that I've heard a lot and I don't see why it would ever cause a problem, but my mortgage bill specifically says not to do that.
Your voice is perfect for radio or books on tape or something! Very great tips and advice too!
check the prices first on the bulk buy thing. There are products that are cheaper in small quantities than big (because they small quantities sell better, more competition from rival stores,...)
I love your videos! You two show how adults are supposed to act responsibly and prioritize and not run around like a greedy child with a rich parent's credit card. So many of the things people believe that they "just have to have" are really only luxuries that they can't really afford and only when it comes time to buy things they really need do they complain about prices being too high.
I save all my change. It's nice because you never notice such a small amount missing, but when you have a bunch and count it out even a small piggy bank can have 30+ dollars in it.
Thanks for the tips!
I find that soda is usually cheaper if I eat out because it's bundled with the value meals. I don't really like soda much but I end up drinking it anyway.
I can vouch for the car insurance money saving technique: 2-3 months before your insurance runs out, go online and price shop for insurance. Let them know you won't be needing it for a couple months, tell them you're only paying half of what you're currently paying It's a name-your-price thing insurance agencies will do for people who don't come across as desperate. It works, as I was paying $90/monthly with eSurance and am now paying $52 with AAA. If you have less than 2 tickets on your driver's record in the last 3 years, you'll qualify for the name-your-price and Good-driver Discount.
I'm curious: Does anyone pay less for their insurance?
Love these videos and this one is useful for anyone at any stage of life. Thank you for sharing. My tip would be chose non branded items when food shopping, they often taste near enough the same and cost a lot less.
my tip is mostly for book lovers. try and find free or cheap books online. whether you use prime or not on kindle, if you're lucky enough, you'll find a good book currently on the cheap or free. Just search genre and free. I've found lot's of books that are or was free at that time. ;)
We need How to Adult for countries other than America :( I get paid weekly but that's pretty rare, most people in the UK are actually paid monthly.
Though a tip I've discovered after changing from a monthly contract to a weekly one and having one week where I get completely boned for money -
Spread your payments over the month, make sure you always have money in there for them. It'll make you more cautious with your money because you don't wanna be short for Netflix or something.
Not sure if applicable to other countries, but a great and easy way to get some cash (in Denmark) is participating in research experiments.
The university at which I study has a number of participant databases and they regularly publish experiments for which they need volunteers. You can then pick a timeslot and, well... be a test rabbit. Most of them are psychology and decision making experiments which consist of computer tests - nothing painful or dangerous. Some of them could be unpleasant (holding your hand in cold water, MRI scans, etc.), but then again, you can choose whether you want to participate or not.
The pay varies from study to study, but is approximately equal to the minimum hourly wage. Sometimes you don't get paid directly, but receive a voucher of the same value. And other times you get paid in chocolate, which is basically equally good. :D
Buy furniture made out of wood even if it means that you can't buy it all at once. Garage sales, flea markets, thrift stores, antique shops are filled with nice stuff at a good price. Won't fall apart after four years.
Don't waste $5 on a milkshake, especially if you're just going to be sick later.
Librarians are very dangerous creatures! But they are also incredibly helpful and usually have some really neat recommendations if you're looking to read one of the countless books that are forbidden by your local city council.
Use Groupon when eatting out. Its usually buy one meal get one. And I pick up receipts at Wal-Mart to add to my savings catcher.
As a barista, i have to disagree with point 9. Go to your local coffee shop. Spend. And TIP US! But seriously, she's right, brew at home, saves a hilarious amount of dosh.
The cost of drinks is even worse in Japan, where drink generally cost about the same as the US (maybe a BIT higher), but do not have free refills! Water is definitely the way to go.
So true! I went to McDonalds expecting the "American" type of drinks which are extra large but the ones in Japan are small and it shocked me that there were no refills!
#1 doesn't work all the time in Singapore where they charge for water at restaurants ): new tip: bring your own bottled water
eat cereal with forks so u can save the milk
What I usually do is writing down all my outcome, that way I know exactly what I spend and how much do I spend, and make me kinda rethink if I wanna buy sth
If you're interested in going super serious about the whole budget thing, I highly recommend a blog called Mr Money Mustache.
Great video, I was wondering if you could go over professional emails... I understand the basics such as noting to personal or inappropriate but some websites say numbers are alright and others say they are not. So I am a bit confused.
what is the song in the beginning?? i hear it on almost every channel!
I like to store the money I saved in a jar, so I can actually see the progress. So whenever I get money I didn't expect to have extra - lets say NOT spending 50 cent on vending machine candy although you used to get some from there each day, or finding 2€ in your pocket you didn't even knew were there - I put it in there at the end of the day. It's satisfying to actually see what you saved and you can use the money you wouldn't have otherwise on something for yourself without feeling any bad about it ö3ö
I just calculated that I spend an average of 16€ per month on coffee at my college (and I'm only there 2 days/week). I should probably start bringing a vacuum flask. There are better ways to spend that money, like a crate of beer :D
Depending on your interest rate, it is often better to save the extra money you could on paying down your mortgage sooner. Because mortgage interest is often low, below 4% of some, and the ROI on stocks is higher, you are better to save and invest. The fact that there are tax savings make it even better not to pay down and it you have not maxed out an IRA in the year, you can double your tax savings.
I do tend to hold onto cash when I'm carrying it around instead of using my debit card. I think I ended up saving $50 for two weeks recently!
Avoiding expensive drinks is also really important. I'd say maybe splurge on a pretty water bottle or two, that definitely makes me keep up with how much water I'm drinking. Especially if they're portable! If you're carrying water around, you'll not need to buy drinks!
This librarian loves you too!
Another great video guys! If anyone has any questions about Decluttr, send them our way!
Catchphrase: "Come back here to learn how to adult, because they don't teach you that at school"
I will spam all your videos with this until you come up with a catchphrase, yes I am talking to you, Mike.
+Melissa Flaquer LOL. Fair enough. :)
- Mike
Not all advice can be applied here in the Philippines. I have a Gasoline Card which are really great since it gathers points that can be converted to cash equivalent to pay for gasoline...although, it really takes awhile for points to accumulate enough for purchasements. Credit Cards only gives freebies and discounts on selected outlets that really tempts you to shop for items that you do not really need. Although, with discipline, credit cards can actually be used for emergency situations like if you are short in your debit card, a credit card can be manna from heaven...I am talking here of convenience in cases like paying-up for certain contingencies that are really very urgent and that there is really no time for you to go out to withdraw money from your bank passbook:) And, I hope there will be no excuses to justify why you consider buying a Gucci Bag a contingency purchase!
And, I agree. Paying in cash can be a technique to avoid buying beyond your means. But, even before that "paying in cash", learning the discipline of saving is a must. Right after you receive your salary or income, you should save a portion of it, say 10% or up to 30%, and what is left will be for your expenses which includes the utility bills aside from your clothes shopping, grocery and food necessities.
bring lunch instead of buying lunch at work.
Is there a reason you guys only put out about 2 videos a month? I watch each of them but I need my fix!
+Sheridan Dawson We're flattered you like them so much. :] The reason is just the time necessary to create the videos. Emma and I both have 2 other jobs apiece ("regular jobs" and writing YA novels), so we decided to go to the 2 vids/month schedule for a while. This may change in the future, though, so don't give up hope yet! :D
- Mike
+How to Adult I figured it was something along those lines. Keep up the awesome work!
Thrift stores and walking when possible are 2 great $ savers...rather surprised they weren't mentioned.
I'm 13, I used to work at the library, it was technically volunteer work tho...
Sometimes buying something that is more expensive is a better investment in the future because it lasts longer. "You get what you pay for."
You guys are a cute couple. Love the tips, smarty pants!
they're not a couple
+Mr. Fredricksen A "couple" doesn't necessarily mean two people in a relationship. It's a collective noun for "two people". Also, "cute" doesn't necessarily mean adorable. It could mean smart or witty.
I know this is a random question, but where do you buy your clothes Emma/elmify?
Is it just me or does the Declutter link in the description seem broken?
+Matthew Lanigan (rintaun) Good catch! Fixed!
- Mike
I do most of this but I get called cheap a lot.
And if you pay even MORE money into your mortgage you will pay off your mortgage even sooner and have even less interest to pay. Assuming you can find a better investment for that money (the growth of money in that investment is > your interest rate), you are wasting money by paying off your mortgage faster than you should
THREE DOLLARS ON SODA?! That's like, half a gallon of the stuff where I live. That can't be healthy.
where do you live? In Canada they're about that much too at the restaurants.
+FourthDerivative Restaurants charge out the ass for drinks. A glass with refills at some restaurants can be over $5. I have even been to restaurants that have charged $3 for a glass of water.
+FourthDerivative Nah, restaurant drinks here are really overpriced. Probably due to the fact that refills/water are always free. They're still kinda big. Maybe 20 oz?
Water is the best drink to get either way.
+MsAwesomeify Drinks are overpriced not because the refills are free, but because it is where they make their money. The margins on drinks are way larger than on the food.
pieter zeeuwen And because you are renting a glass.
Be nice to the cashier and ask for a discount see what happens. I'd say about 20% of the time I get a nice little 10% off.
Thomas Frank recommended you! Subscribed
To the town of Agua Free-A rode a stranger one fair day...
+Friederich Huepfenstolz Literal LOL :)
- Mike
+Friederich Huepfenstolz Hardly spoke to folks around him, didn't have too much to say ....
Another Marty Robbins fan, or, more likely, New Vegas? Either way, well met! :)
~ TDG
My name is Clutter. Should I sell myself on this app?
+Music Dork
No someone else living with you should, while they are decluterring their house.
make more money that you can spend, that's the real advice
Pro tip, don't get cable. You have the internet. I know because your reading this.
Enroll in getting a Target Debit Card because you save 5 percent. every purchase for those who shop at Target frequently.
Highly recommend that. ... And not just because I work there. Be forewarned though, red card purchases take three days to go through. Keep track of your spending!
+Angie Not shopping at Target is another great way to save money.
Shop only the perimeter of the grocery store.
+TishNStan Shop from the low shelves. The expensive brands are at eye level.
most workers are payed every month.
+samramdebest That depends on which country you are in.
Depends on your job too.
How will you end up making 26 half payments? Wouldn't you end up making 24 half payments? o.O
honey,, if your cutting down to 'just' ONE restaurant meal ,,,,
Then you have ALOT!! more income than average,,,,,, Some people are unable to afford a meal out,,, What do you Tell Them????? gee,, get a CLUE,,, ---- try NO MEALS OUT,,, then you might see -- smh
what restaurant charges you $3 for a pop?!?
Um every one... Anytime I go out it's usually around $2.50 for a Coke.
where do you live?
+cubedude76 Utah.
I live in Washington myself. Three dollars is about average. Maybe $1.50 if it's Red Robin or somewhere cheap.
Red Robin is not cheap in Canada
No spend day that's my life
I am 14 years..
the roommate idea,not always such a good deal.we tried it, the couple completely trashed our home,ate all the food,ran up all the bills,stole,drugged me,kidnapped me,raped me,repeatedly, got me pregnant, in fact.not everyone is that trifling, ratchet, ghetto,shady,whatever, but many are.we save money by not buying name brand,designer,expensive things.I drink tea.love all the fancy flavored teas.don't buy, because we can walk to dollar tree,and buy four one hundred count boxes of tea for less than the flavored teas. twenty teabags for five dollars,or four hundred for four fifty?we use laundromats to do laundry.we used our buildings laundry room,but no more of that nonsense.pay fifty dollars to ruin one outfit,or walk not even a block over,same fifty dollars, wash all washasble items,properly,totally dry,soap, and dryer sheets included.the problem with many buildings laundry rooms, the equipment is too small to get the job done effectively, and the equipment often isn't clean, or maintained, it just takes your money.why wash your stuff,it still nasty?what's the point?we don't have guests.I rarely drink pop.we don't touch alcohol.
I wouldnt call this a saving"tip" or anything, but i have a jar were i throw in "small" change in... It adds up in the long run, and you also feel proud of yourself.
Ofcourse not everyone can do this. But if you can, try it out.^^
+Seiko Prof I have a friend who saved her coins because her dad taught her to, she left a jar of them at home when she moved and when she came back to visit she decided to deposit them, figuring she'd get about $50 out of it. Over $150 later.... :) You don't realize how much your coins are actually worth, but they're worth saving.
OMG I thought you were going to teach us something new, but this is j
ust 60’s 70’s and 80’s style of saving. Stop pretending Gen X are stupid while at the the same time you totally Imimic us. 😮
These are all ways to save not make money so you should remove the "{and Make)" from the title
I believe that may be referring to the option of renting a room out of your home as a small extra source of income :)
+Goat Rewards credit cards also make you money.
You're incredibly beautiful.