Of Everything You Do To Save Money, What One Thing Saves You The Most Money?
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  1. #1
    Registered User staceyy's Avatar
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    Default Of Everything You Do To Save Money, What One Thing Saves You The Most Money?

    For me, I think it was the decision to move to a city with a low cost of living. There is also a lot of free educational opportunities here. I was able to go to culinary school for free and am considering attending nursing school for free. My city also is great for senior citizens. I'm not one yet, but will avail myself of the opportunities one day. The reason it is so good for seniors, is the
    Pennsylvania Lottery proceeds fund a lot of senior programs. Buying a house in this area is a lot cheaper than most cities although I do pay $5,000 a year in property taxes.

    I'm curious as to what others feel saves them the most whether prepaying your mortgage, hanging your clothes to dry, making your own cleaning products, buying used cars,or whatever, large or small.

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    Quitting smoking saves me the most by far. cigarettes are about 10$ a pack and I smoked about a pack and a half a day. I save $450 a month 0r 5400$ a month.

    babs

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    Registered User baxjul's Avatar
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    I've seen my bigges savings by line drying my clothes and washing them in cold water. I've noticed a $25 a month difference just doing that.

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    Registered User Laurie in Bradenton's Avatar
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    By an larger I save the most by shopping at my salvage grocery store. It may not take coupons but they do take a check. Most items are 1/2 of what I'd pay at the regular store. Lots of namebrand items cheap.

    Laurie in Bradenton

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    I would say keeping our cars for a long time. It lowers our car insurance and we go years without making car payments.

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    Staying Home ; )

    I have been using my coupons real well lately......but I sure like the grocery store ; )

    leezza

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    Registered User sunshine's Avatar
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    Staying out of the stores. . if I don't see something, I don't buy it.

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    We have done most of the above, moved to a cheaper area, pre-paid our mortgage and are now mortgage free, always wash in cold water and hang to dry, buy used cars and keep for a long time - we just bought a 2005 and paid cash, I have quit smoking, unfortunately my husband still smokes but we pay no where near $10.00 a pack - but still too much. I guess right now the thing that saves me the most money is smart grocery shopping and a well stocked pantry, never use coupons but buy mostly loss leaders and from a liquidation center. I do get some strange bargains though but willing to give anything a try. Recently bought eleven quarts of pancake syrup for .50¢ a quart, brought it home and boiled it and canned it again so will see what happens - so far - so good. I also cook from scratch except now and again to sneak in some Kraft Dinner or Hamburger helper cause all kids like both. Also sometimes buy cake mixes when they are on sale really cheap but do have a collection of very good basic recipes for almost anything.

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    I think it's our choice in housing. Our home sits on a 1/2 acre that produces lots of vegetables, some fruits, and houses egg-laying poultry. The actual house is just under 900 sq ft, and has two bedrooms and one bath. Our home is within commuting distance of a large city, which allows us to earn 'city wages' while not racking up too high a gasoline bill. The current value of our house is 60% of the 'average' sales price of a house in the city. 'Course so is our square footage, but who wants more house to clean!?

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    Registered User frugalnana's Avatar
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    Cooking from scratch and taking things with us to munch on if we are going to be out. Staying away from stores. Alot of people I know cant believe I rarely go to Kohls, the mall and etc. I was there last christmas to get a gift for my granddaughter that I couldn't get anywhere else.

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    Good question.

    Buying our house when we did - 1994 before things shot up.
    We picked a house where we could have two kids and we stayed with that decision of 2 kids. Many I know had to buy a bigger house when they had their 3rd and 4th kids.
    Refinancing at exactly the bottom - 4.5%.
    And we only have 7 more years of mortgage left - will be done way before the kids go to college or retirement. And all that used to pay to the mortgage company money will fund other things.

    And if their stupid mall gets built across the street all of that will be lost as we'd have to move. Can you understand why I'm sooo angry!!!!

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    We cut out going out to eat. Saving hundreds a month. I'm cooking more at home and trying to be creative with that. I'm using the crockpot a ton.
    Shopping loss leaders and stocking up with those is another. Food is a place where you can really cut back.

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    Super Moderator Darlene's Avatar
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    Being happy with what I have & making do.




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    FV Buddy aka Kellie Bob Jerseygirl's Avatar
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    Living below our means. There is no credit card debt or car payments so there is no interest.
    Buying the kids clothes at yard sales. My kids are in designer unending wardrobes for about $50 each per season.
    coupons, loss leaders and stockpiling and cooking from what I have.

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    Registered User Mojjo's Avatar
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    couponing and cooking all our meals (even lunches for work and school)

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