Got any tips???

iVillage Member
Registered: 12-16-2010
Got any tips???
8
Sun, 11-06-2011 - 8:04am

It looks like we are gaining some new members here on the board.

iVillage Member
Registered: 04-10-2003
Sun, 11-06-2011 - 11:16am
Great post!

Here are mine:
Start putting away money for a sinking fun. Even if it's only $10 a paycheck, as you get used to the money being out of your budget, you can slowly increase it.

Review ALL your bills. There is usually somehting that you can reduce (bundling utilities, changing insurance companies etc)

Take the CC's outof your wallet! If you don't have them you cant use them!

Bex -

iVillage Member
Registered: 11-17-2007
Sun, 11-06-2011 - 7:26pm

The way I got extra money was by using coupons on things at the grocery store. I would ask the cashier to tell me how much my bill was before she took off the coupons. Of course I never spent hundreds and thousand of dollars for food at a time. But most of the time I would get around 10 or 20 dollars off the bill.

I would write a check out for the total amount then she would give me the coupon money back in cold cash HALF the money I put into a saving account that is how I got my Efund. The other half I sent to a bill.

Now we use CCs for everything One card gives us 300 a year and another gives us 150 We would pay the bill off each month just like we were paying cash. I would take the bank money and send it as snowflakes to the credit card

iVillage Member
Registered: 12-31-2010
Mon, 11-07-2011 - 9:13am
Good post!

My biggest money saving tip is GO CASH! and plan meals.

Start by taking all credit AND DEBIT cards out of your wallet. When you get paid, take the money for groceries, gas and spending and put one week's worth in your wallet. (I get paid every other week, so I put the second week's cash in our little safe.) I use colored paper clips to distinguish what goes to what.
I also started with some emergency cash in my wallet, tucked under a photo, so I am my own emergency backstop, not a credit card - at first it was just a $20, now it is a $100 bill. So if I get short, I have extra, but I really have to think before breaking a Ben Franklin.
Research shows you spend 14-18% more with credit and debit cards - so are the points really worth it?

Also, meal plan and take a list to the store with you!
This week we are having:
Mon - Cod
Tues - pork chops
Wed - Tacos
Thurs - Pasta Faggiol soup
Friday - heading up north
So I already shopped, have food in the fridge and know what we are eating to avoid going out. Oh, and I bought the food yesterday with the ad, a list and CASH!

-Marie
#Marie
iVillage Member
Registered: 02-19-2009
Mon, 11-07-2011 - 11:50am

Hello, I've just started lurking here but saw the thread on credit unions and, since we're thinking of changing, I found it really helpful.

One of my tips is cooking from scratch. Well, for the most part. I don't make my own bread or anything like that, but we don't buy a lot of processed, pre packaged foods. I spend about $3.50 per person in our house, per day on food. Often times it's less than that, but that is the max. It breaks down to $0.50 for breakfast, $1.00 for lunch and $2.00 for dinner. We eat meat-free several days per week and, when we do eat meat, we use it more as an ingredient in the meal, rather than the focus of the meal.

Hope that helps!

Photobucket
iVillage Member
Registered: 11-14-2008
Mon, 11-07-2011 - 1:09pm

I have been doing this a long time...

1. Get an efund. The peace of mind is amazing.

2. Set goals and make plans with time limits. Then if the goals is too big for you to wrap your head around it, break it up into smaller goals. Then celebrate your achievemnets for motivation or you will burn out.

iVillage Member
Registered: 10-01-2008
Mon, 11-07-2011 - 1:51pm

My tips:

Norma


"Patience is the best remedy for every trouble"- Plautus


iVillage Member
Registered: 07-24-2001
Mon, 11-07-2011 - 3:53pm

Hey as a newbie I really appreciate this thread!!

iVillage Member
Registered: 07-06-2003
Mon, 11-07-2011 - 7:30pm

As a member who has been at it - debt payoff - for some time now here are some things that have helped me to progress:

1.

Kassandra

"It is said that life has its peaks and valleys.  The challenge is to accept them equally and experience them