Here is another great article posted yesterday on Yahoo Finance by Melissa Neiman. Go here to read about some extreme ways to go frugal and save more. Then read how I have saved in the following areas that her article addresses below:
1. Get rid of your car. We are proud to be owners of both of our vehicles. It took us three years to pay off a new vehicle. Five years ago we bought a used Saturn for $600 and we are still driving it today! We do plan to purchase a new/used vehicle soon since we plan to extend our family, but we are making sure we wait for the right time and get the best deal around.
2. Take in a renter or a boarder. This is something we haven't done, but there is extra space if someone needed to "live" here for a few weeks. A friend of mine also "rented" out her space once for my cat when I needed to be away for an extended period of time.
3. Downsize your home. I have mentioned this before. I prefer a smaller home. The less space you have in your home, the less you have to clean, organize, and furnish--saving lots of valuable time and money.
4. Change how you use credit cards. I use one major credit card (Upromise) for purchases and pay it in full each month. I earn 1% back on this card. Whatever gets put into the Upromise account goes straight into my daughters college fund.
5. Only use coupons or go generic. I use coupons for just about everything now. From grocery coupons to department store, craft stores, restaurant, oil changes, and using coupon codes online, these have been a HUGE money saver for me. Make sure you read my coupon tips by clicking on the tab at the top of my homepage. If I can't get name brand for cheaper than generic after coupons, I go generic, but with using coupons now, I almost always get the name brand item cheaper than the generic! Along with using coupons, we always score great military discounts on top of all of this!
6. Dump High-Tech Toys. I actually do use the library for checking out books. I even take advantage of the "lending library" here where I can check out toys for my daughter to play with! I also find all other toys at thrift stores, for as little as $1.00 or less! I rarely EVER buy toys full price. Just not worth it. One thing I WILL NOT cancel is my gym membership. Health is a priority and I LOVE my membership. We did get it at a discounted military rate so we barely pay anything for it as it is.
What areas have you been extremely frugal in? Please leave a comment!
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