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3
Posted on 4/25/26 at 2:49 pm to AndyJ
Take care of most home, lawn, pool and car maintenance myself. Buy bulk from Costco and BJs. I use a credit card that accumulates cash back and pay the balance off every month
Posted on 4/25/26 at 3:23 pm to TorchtheFlyingTiger
quote:
I saved a lot over the years by paying my first car loan off early and telling myself I'd pay cash for next ride.
This is a big one for us. Pay cash for cars. The interest saved is small peanuts. But the buying process is different.
I used to do youtubetv during college football and cancel it in January. But ESPN Sports package is half as much. That worked this last fall.
Pay in full (annual) to get savings.
I probably save 10+% on insurance products. When we used Paramount and Max, savings was almost 20%.
Most streaming (everything but netflix) is free through cell phone provider.
The mcdonalds app is crazy cheap. We dont do it often for health reasons, but there are cheap eating options out there.
Posted on 4/25/26 at 3:44 pm to meansonny
Most people are over paying for cell plans. Buy an unlocked phone every few years and use Mint or another low cost provider. I only pay $20/m and $20 for 10 days when traveling overseas few times a yr. Kids are on even cheaper limited plans w another discount provider wife found which minimizes their calls and data to reasonable limits
Posted on 4/25/26 at 3:55 pm to TorchtheFlyingTiger
It's a hassle, but de clutter. Throw it away, sell it on ebay or fakebook but get rid of stuff you don't use anymore. I started this at retirement and it's ongoing. I just found out an old leatherman crunch I bought thinking was so cool back in the day but never used is worth over 200 on ebay.
Posted on 4/25/26 at 4:43 pm to TorchtheFlyingTiger
quote:
I only pay $20/m and $20 for 10 days when traveling overseas few times a yr.
Im paying $35 and dont get throttled down on speed.
I shopped and the best was $30 without the speed caps.
We get free hulu/espn/disney/max.
And my cell phone is free every 27 months.
I dont think the major cell phone plans are as bad as commercials make them out to be.
Posted on 4/25/26 at 4:44 pm to AndyJ
I don’t really do anything special…we have been good about not letting lifestyle creep. Everything on autopay and we talk through any big ticket items before either of us make it.
Posted on 4/25/26 at 5:51 pm to tigerbacon
Go to estate sales.
Posted on 4/25/26 at 6:41 pm to AndyJ
quote:
What tricks do you use to spend less money?
When I order takeout, I don’t tip. Sue me
This post was edited on 4/25/26 at 6:42 pm
Posted on 4/25/26 at 6:57 pm to AndyJ
1. We buy used whenever possible
2. Have vacation homes that pay for themselves and use points for flights. Vacations are always inexpensive
3. Mainly cook, rarely eat out
4. Electric car, no gas
5. Shop insurance policies every year
6. No cable, keep monthly subscriptions to a mininum
2. Have vacation homes that pay for themselves and use points for flights. Vacations are always inexpensive
3. Mainly cook, rarely eat out
4. Electric car, no gas
5. Shop insurance policies every year
6. No cable, keep monthly subscriptions to a mininum
Posted on 4/25/26 at 8:38 pm to TheOcean
Bought only as much house as we need. Paid it off. Stay in it. Operate on a cash basis afterward. If we can’t pay cash for something, we can’t afford it.
After retirement, I hope to move and buy a new house. If rates are low, will finance the hell out of that one.
After retirement, I hope to move and buy a new house. If rates are low, will finance the hell out of that one.
Posted on 4/25/26 at 10:17 pm to AndyJ
I’m a serial sale shopper, especially with high dollar groceries like meat. I regularly hit the 50% off section to see if I can buy and freeze. I also have a vacuum sealer, so I can stock up when it’s on sale.
I have 2 high schoolers who have expensive taste, so I try to shop sales on clothes/shoes. They got new Birkenstocks for Easter because I found them 30% off a month before. They were happy to get them, I was happy to save $45/pair.
Use services like Ibotta, Capital One Shopping, Rakutan, etc. I saved $40 on 2 hotels this week, $18 on $100 shoes I ordered and $54 on shorts. Those savings can be used to buy gift cards for other things- I used the last $150 I earned on a new printer.
I have 2 high schoolers who have expensive taste, so I try to shop sales on clothes/shoes. They got new Birkenstocks for Easter because I found them 30% off a month before. They were happy to get them, I was happy to save $45/pair.
Use services like Ibotta, Capital One Shopping, Rakutan, etc. I saved $40 on 2 hotels this week, $18 on $100 shoes I ordered and $54 on shorts. Those savings can be used to buy gift cards for other things- I used the last $150 I earned on a new printer.
Posted on 4/26/26 at 12:27 am to LSUGUMBO
nice call. someone said dont use credit cards and someone said dont let the wife spend too much. I made the mistake of letting the wife spend a lot because I got into the credit cards points game. So she is finally reining it in but we have 3 million Amex and Chase points combined at least. We will not be accumulating at the crazy rate anymore though, since she now has to be good. Those points will fund a few vacations.
But I love Rakuten and shopping with sales. And I definitely need a better a better food storage system than my ziplocks.
But I love Rakuten and shopping with sales. And I definitely need a better a better food storage system than my ziplocks.
This post was edited on 4/26/26 at 12:29 am
Posted on 4/26/26 at 7:06 am to AndyJ
I have saved a ton of money by accident since I started fasting weekdays.
Posted on 4/26/26 at 10:31 am to AndyJ
Only bulk items I buy from CostCo/Sams are needs that are used up 90%-100% like toiletries, which are always needed so an abundant inventory takes the inconveniences of replenishment out of the equation.
I never buy food from there. I used to do that but I realized I was over-indulging, throwing much of the food away, having to eat the food to not waste it leading to a less healthy lifestyle. My diet now is much more simple than in the past.
I prefer for food to be a just-in-time concept, like go to the store and buy what you plan to eat for 3-5 days, and repeat. I never did the numbers but its better on my body and less clutter/stress. I don't buy for 7+ days because plans change, activities happen, and we have to eat out or order a pizza due to time constraints, special events, etc. which leads to throwing food away.
I don't have an issue with having newer cars now, but in the past while building our family I had the mindset that the least expensive car to own was always the car I was currently driving. I bought new and drove it into the ground. I am sure that buying used and driving it into the ground is a wiser concept, but I hate the concept of buying someone else's problems (potentially).
Waiting until big sales like Prime day takes planning and patience. Go in with a plan.
I get killed with subscriptions. I have old subscription charges that I have no idea on how to cancel. Many of them came from the wife and our time is valuable so we just say f it and get screwed as its not worth our time to attack it. We can afford that hit but its a ripoff and I would be flipping my stuff if we lived on a very limited budget. I saw something in the news that legislature is working on a bill to make it easy for someone to cancel subscriptions. I hope it passes.
The biggest advice to everyone is to limit subscriptions. Its the silent killer.
I never buy food from there. I used to do that but I realized I was over-indulging, throwing much of the food away, having to eat the food to not waste it leading to a less healthy lifestyle. My diet now is much more simple than in the past.
I prefer for food to be a just-in-time concept, like go to the store and buy what you plan to eat for 3-5 days, and repeat. I never did the numbers but its better on my body and less clutter/stress. I don't buy for 7+ days because plans change, activities happen, and we have to eat out or order a pizza due to time constraints, special events, etc. which leads to throwing food away.
I don't have an issue with having newer cars now, but in the past while building our family I had the mindset that the least expensive car to own was always the car I was currently driving. I bought new and drove it into the ground. I am sure that buying used and driving it into the ground is a wiser concept, but I hate the concept of buying someone else's problems (potentially).
Waiting until big sales like Prime day takes planning and patience. Go in with a plan.
I get killed with subscriptions. I have old subscription charges that I have no idea on how to cancel. Many of them came from the wife and our time is valuable so we just say f it and get screwed as its not worth our time to attack it. We can afford that hit but its a ripoff and I would be flipping my stuff if we lived on a very limited budget. I saw something in the news that legislature is working on a bill to make it easy for someone to cancel subscriptions. I hope it passes.
The biggest advice to everyone is to limit subscriptions. Its the silent killer.
Posted on 4/26/26 at 11:01 am to RoyalWe
Dave Ramsey is responsible for financial stress for half of this country.
Posted on 4/26/26 at 11:06 am to Mariner
I agree with your entire post except the fact that your time is too valuable to track down those recurring subscriptions. Honestly, sitting down and doing research for 15-30 mins on each subscription will likely result in a positive cancellation on your end putting a few hundred dollars per subscription back into you pockets each year.
I know it can be anoying to deal with but, its worth the time investigating and figuring out to not see them on your card anymore.
FWIW, this is coming from a guy who signed up to Planet Fitness for 4 years and used his membership twice.
I know it can be anoying to deal with but, its worth the time investigating and figuring out to not see them on your card anymore.
FWIW, this is coming from a guy who signed up to Planet Fitness for 4 years and used his membership twice.
Posted on 4/26/26 at 11:13 am to AndyJ
Streaming services. Contracts and commitments don’t exist anymore find 3-4 you like and rotate them monthly. Ex Netflix for ive month, watch you want, cut it off, Apple the next month, etc.
Paying cash for vehicles. Using a low interest rate as an excuse to overpay for a bunch of crap you don’t want doesn’t save money. You’re more aware of just getting something basic you will keep until the wheels fall off when forking over cash.
Learn to fix things yourself. Auto, home, etc projects and repairs. There’s so many resources out there esp YouTube. It’s not that difficult. Don’t be intimidated to learn or try.
Eat out at a restaurant as a reward for something, not as a routine.
Stop focusing on only sacrificing big things. The little things add up over time faster than you think.
Paying cash for vehicles. Using a low interest rate as an excuse to overpay for a bunch of crap you don’t want doesn’t save money. You’re more aware of just getting something basic you will keep until the wheels fall off when forking over cash.
Learn to fix things yourself. Auto, home, etc projects and repairs. There’s so many resources out there esp YouTube. It’s not that difficult. Don’t be intimidated to learn or try.
Eat out at a restaurant as a reward for something, not as a routine.
Stop focusing on only sacrificing big things. The little things add up over time faster than you think.
Posted on 4/26/26 at 11:28 am to Roy Curado
quote:Wow. I wouldn't expect to hear that from anyone. Why do you believe this?
Dave Ramsey is responsible for financial stress for half of this country.
Posted on 4/26/26 at 12:35 pm to meansonny
quote:
Im paying $35 and dont get throttled down on speed. I shopped and the best was $30 without the speed caps. We get free hulu/espn/disney/max. And my cell phone is free every 27 months. I dont think the major cell phone plans are as bad as commercials make them out to be.
I did the same thing a few months ago. As long as AT&T offers ‘free’ phones with rebates, there’s financially very little difference between paying $20/month and buying a new phone out of pocket or paying $35/month and getting a ‘free phone’.
I have my parents and my MIL on my phone plan because it’s cheaper for them. If you can combine 4+ lines into 1 bill, the price is pretty much the same on a major carrier as it is Centennial Wireless or other value brands.
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