re: What's your biggest money saving tip?

Mine is also rarely eating out. I love to cook too. And do not waste food. The food that is wasted in this country is disgusting. I love to fish and grow a garden.

Live below your means. Don't buy things on credit. This is easy for me because I am not a material girl and enjoy the simple things in life.

Start small, whatever you can put away each pay check and not notice do it. I recommend transferring 100 each payday to your savings. If you can do more great if you can do less still not bad too. You would be surprised at how fast it adds up. Also cut out unnecessary spending like eating out alot, learning to cook isn't that hard. If you like to go out and drink consume a few at home before you go out so you are not spending more for alcohol. Keep credit cards to a minimum, if you are in debt pay them off and if you use them try to pay them off monthly or not use it for another purchase until your last purchase is paid off. Contribute to a retirement such as a 401K especially if your employer matches, roth ira, traditional or some other investment. Don't buy a brand new or ridiculously expensive vehicle. Most of it comes down to smart decisions and not doing stupid shite with your money.

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And do not waste food. The food that is wasted in this country is disgusting.

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It really is disgusting. I worked produce on the side at Sam's Club years ago and the amount that is thrown away by the stores alone is insane.

Then people buy food and let it ruin and toss it.... It's just pitiful.

I think we do a pretty good job in my household for not throwing food away, mainly cause I'm a stickler about it, lol.

Oooooo, you heated up a whole bowl of chilli and you didn't like it... Too bad ya little shite, that's what your eating til it's gone.

Already listed are the big ones.

I'd like to add a few more of the perceived smaller ones.

1. Invest in your company's 401k, at least up to the match %.

2. Turn off some lights, etc. when you leave the house.

3. Run your errands altogether, saves gas.

Then you got a few life changers for some:

1. Quit smoking, dipping.

2. Quit drinking so much.

Amazing how much it costs for smokers, dippers, alcoholics.

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Every pay day, set in your budget of paying yourself 10% of take home pay. Put that into savings and build a nest egg of no less then 6 months pay for emergencies is a must. That will keep you from using any credit cards or borrowing any money.

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Very good advice, I keep an emergency nest egg as well. However, I don't do the regular transfer. I usually save up til my checking gets to a certain level and then transfer over. It works ok for me I think, but a regular transfer would probably benefit my wife.

Start saving early. Interest earned on interest that you have already earned is wonderful.

Pay off your credit card every month, in full.

Drive what you can afford to pay for. If you have to get a big loan, you don't need it.

Pay extra money down on the principal of your home loan. If you are not making enough to do this, get a side job. You will thank me later.

Eat, drink, and tell yourself your work is good. Don't sacrifice creating memories, because I doubt 5 minutes before you die you'll be saying, "I'm so glad I gave up all that fun to have this money I can't spend."

That is why I am not a material girl. Don't give me diamonds, take me on an adventure or to a sporting event. Getting ready to go caving, ziplining, mayan ruin climbing, and canoeing in Belize. Do I need a wardrobe for that? Hell no!

Your memories are all you can take with you when you leave this earth.

1. The Lord loves a workin' man

2. Don't trust whitey

3. See a doctor and get rid of it