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Started By
Message
How do YOU save money?
Posted on 6/19/11 at 8:21 pm
Posted on 6/19/11 at 8:21 pm
I need some money saving tips. I came here avoiding the OT shenanigans, so let's act like adults please.
I've spent 10k in as little as 2-3 months. No major purchases. This is unacceptable considering my monthly bills are only like 1.5k. I need to reevaluate my spending and learn to save better. I'm still comfortable and I'm not in a bind or anything which is why I spend so freely but like I said, theres just no reason for that IMO.
So I humbly ask for your advice and some tips to help spend less. I'd like to be able to throw a large portion of that into savings. And before the "just put it into savings comments". Can you also add some advice to go along with it?
T.I.A.
I've spent 10k in as little as 2-3 months. No major purchases. This is unacceptable considering my monthly bills are only like 1.5k. I need to reevaluate my spending and learn to save better. I'm still comfortable and I'm not in a bind or anything which is why I spend so freely but like I said, theres just no reason for that IMO.
So I humbly ask for your advice and some tips to help spend less. I'd like to be able to throw a large portion of that into savings. And before the "just put it into savings comments". Can you also add some advice to go along with it?
T.I.A.
This post was edited on 6/19/11 at 8:22 pm
13
Posted on 6/19/11 at 8:24 pm to RBWilliams8
Start using mint.com and track where your money is being spent. You will be surprised at how much you spend on things such as eating out etc.
Posted on 6/19/11 at 8:26 pm to LSU1018
Write EVERY expenditure on a note pad. You will be shocked at how money you waste.
Posted on 6/19/11 at 8:27 pm to LSU1018
take away your wife's credit/debit card.
Posted on 6/19/11 at 8:31 pm to C
quote:
take away your wife's credit/debit card.
Yeah I starte to get onto her about it and after looking at our purchases..... It mainly me
Posted on 6/19/11 at 8:32 pm to C
Its something your born with, so i wouldn't worry about it, you're screwed.
Posted on 6/19/11 at 8:33 pm to Reubaltaich
quote:
Write EVERY expenditure on a note pad. You will be shocked at how money you waste.
Agreed. When you see it in writing, you'll be shocked. It'll make you re-think what's necessary and what isn't.
Posted on 6/19/11 at 8:37 pm to Brageous
Take your lunch to work. Cook your dinner.
You'll save a ton if you do those two things.
You'll save a ton if you do those two things.
Posted on 6/19/11 at 8:38 pm to webbgem
car pool
Posted on 6/19/11 at 8:42 pm to webbgem
quote:
Take your lunch to work. Cook your dinner.
You'll save a ton if you do those two things.
This. There are tons of people who spend at least $20 a day just eating out.
Posted on 6/19/11 at 8:44 pm to webbgem
quote:
Take your lunch to work. Cook your dinner. You'll save a ton if you do those two things.
This and writing down everything is what I'm going to do. I found that I spend $15-20 a day just getting trail mix, nuts, sunflower seeds, drinks, etc. at the gas station before work.
Any other tips are greatly appreciated.
Posted on 6/19/11 at 8:54 pm to RBWilliams8
quote:
before the "just put it into savings comments".
Honestly a great thing you can do is put your savings on automatic. Set things up so that every time you get paid, a certain portion is automatically deposited into a 401(k), Roth, or both. You will start cutting back to compensate before long.
Posted on 6/19/11 at 8:59 pm to RBWilliams8
Max out your IRA or 401k, once you do that, have automatic deductions into a Health Care Spending Account.
Posted on 6/19/11 at 9:13 pm to StrangeBrew
You might evaluate your coffee fetish if you have one ... I make coffee every morning and use my flavored creamer.
NO it's NOT CC's or Starbucks but it's not nearly as $$$ either!
NO it's NOT CC's or Starbucks but it's not nearly as $$$ either!
Posted on 6/19/11 at 9:13 pm to RBWilliams8
I started clipping coupons, especially with toiletries. Saved 30 buck on a 120 bill.
I'm weining myself off juice/soda
I try not to drive as much. I think $0.50/mile. 20 miles round trip is $10. Ouch
Look for deals. Theyre easy to find these days. If not, haggle
I'm weining myself off juice/soda
I try not to drive as much. I think $0.50/mile. 20 miles round trip is $10. Ouch
Look for deals. Theyre easy to find these days. If not, haggle
Posted on 6/19/11 at 9:19 pm to wizard of smart
Use cash and cash only.
Posted on 6/19/11 at 9:46 pm to Janky
quote:
Use cash and cash only.
This isn't a bad idea, but it isn't the best either.
Better is to get a credit card with a cash back reward and be sure to pay it back in full every month.
Posted on 6/19/11 at 10:07 pm to foshizzle
quote:
Better is to get a credit card with a cash back reward and be sure to pay it back in full every month.
What kind of credit card offers that? I have a debit card and, I'm almost too embarrassed to say, I thought using the credit option (instead of debit) worked like a credit card. I'd like to get a credit card and use it strictly for one thing. Like a monthly gas bill or something. If I could get one with a cash back option then that would almost eliminate my debit card.
This post was edited on 6/19/11 at 10:09 pm
Posted on 6/19/11 at 10:22 pm to RBWilliams8
I use chase freedom. You get a little over 1 percent cash back on it. I get a couple hundred back per year
Posted on 6/19/11 at 10:32 pm to LSUtoOmaha
quote:
This. There are tons of people who spend at least $20 a day just eating out.
the man is complaining about spending an extra 3-5k a month, the $20 a day on eating out aint his problem.
cut up your debit card and use cash. if you have to actually pay the cash money out for an item i promise you will spend less of it. debit cards are the debil.
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