Besides Quitting smoking and stopping using credit, what is one thing you have done that saved you money?
I put those two because they were the most obvious
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above Thanks! :D ...
February 3rd, 2011 at 8:10 am
.Last week I asked my mortgage company if they had any better rates… The chap instantly said, ‘yes, do you want to go onto a lower interest rate deal?’
Duhh! such a ‘no brainer’ question, I asked what is the catch… ‘None’ was the reply, ‘only that it will save you £160 per month’.
He swapped me to the cheaper rate without any costs or penalties, it took 3 days for a form to come and be returned, and I am now better off to the equivalent of having an instant £2600 pay rise.
MORAL:
Sometimes it just pays to ask!!!
February 3rd, 2011 at 8:51 am
stop going to starbucks every freaking day
February 3rd, 2011 at 9:44 am
Stop going out to eat, cut out the ‘energy’ drinks, stop buying scratch off lottery tickets, buy the machine and roll your own ciggies.
February 3rd, 2011 at 9:48 am
Moved away from California to Berlin, Germany.
February 3rd, 2011 at 10:39 am
Same, I make my own esspresso at work. Saves about $500 a year. And I get better coffee.
February 3rd, 2011 at 11:00 am
Take my own lunch to work, make lists when shopping and stick to it!! Cut out unnecessary spending. Also obvious but it works.
February 3rd, 2011 at 11:59 am
less dunken dounuts coffees and dining out less
February 3rd, 2011 at 12:47 pm
Some advice I read recently is: make a list of all your expenses (food, utilities etc), then subtract that from your pay. What is left over is put into the bank (in a savings account) as soon as you get paid.
One point though is make sure you give yourself a bit of spending money otherwise you will dip into the amount you have saved from your pay.
Also set up the account so that you can’t access with an ATM/EFTPOS card.
February 3rd, 2011 at 12:59 pm
Jabe, when you buy food or dry products, buy them in volume. Cereal,toilet paper, tissue,etc..
February 3rd, 2011 at 1:30 pm
Have money automatically deducted from your paycheck or checking account and deposited in savings.
February 3rd, 2011 at 2:22 pm
Hubby and I have stopped eating out as often. We only allow ourselves 2 meals out a month. That includes actually dining out and going through the drive thru of a fast food restaraunt.
I also set my direct deposit up that every payday, I have $20 put into a savings account instead of going with the rest of my check into my checking account. It’s not a lot, but it works for now.
February 3rd, 2011 at 3:12 pm
I do a written budget every month.