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PATTYMCGRAW's Photo PATTYMCGRAW Posts: 162,103
6/3/10 3:11 A

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Accomplishing some late spring cleaning, I sold some things I never used anymore and donated others for a tax write off.

God grant me the serenity to change the things I can, to accept the things I cannot change, and the wisdom to know the difference.


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A10TIVTRTL's Photo A10TIVTRTL Posts: 1,871
6/3/10 12:40 A

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Navy Girl and Patty, I'm dealing with the same situation, open for suggestions.

IMAPENGUINSMOM Posts: 72
6/2/10 11:46 A

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I love this!

I just called comcast and shaved $65 off our monthly bill by getting rid of all the extra channels that we don't watch. I'm going to take a good look at where our money goes and see what other cuts we can make.

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PATTYMCGRAW's Photo PATTYMCGRAW Posts: 162,103
6/2/10 9:54 A

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My husband is the same way. He spends moey on what he shouldn't and doesn't spend money where he needs to. Any ideas on how to get through to him?

God grant me the serenity to change the things I can, to accept the things I cannot change, and the wisdom to know the difference.


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NAVYGIRLTAM's Photo NAVYGIRLTAM SparkPoints: (0)
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6/2/10 1:36 A

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Hey Momma48,

I, too, take care of the finances in my family. When I don't, like this weekend...I let my fiance use his debit card for purchases and somehow, he spent almost $200 in a few days!!! Holy cow man.

When I logged in to the bank today, I was shocked. I calmly let him know how much was gone from the account, and we talked about spending....and the fact that we don't need to be spending anything. Everything we need we already have at home. He'll still need reminders...he got very used to being a bachelor and spending freely. Now he has a family to support and it's a tough change. We'll get through it though...together.

NavyGirlTam

WOOHOO!
PATTYMCGRAW's Photo PATTYMCGRAW Posts: 162,103
5/31/10 5:27 P

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I'm going to be getting rid of my husband, too. Not only will it save me money, I will be so much happier!

God grant me the serenity to change the things I can, to accept the things I cannot change, and the wisdom to know the difference.


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BRAINNOISE's Photo BRAINNOISE Posts: 186
5/31/10 2:32 P

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i got rid of my husband.. it saves me tons of money.

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CAROLX914's Photo CAROLX914 SparkPoints: (0)
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5/31/10 12:10 A

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i just joined the team but I have already written down my budget and looking over my expenses carefully.

Carol
Lansdowne, PA


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PATTYMCGRAW's Photo PATTYMCGRAW Posts: 162,103
5/30/10 5:49 A

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MOMMA48,
Thanks for understanding and giving mesuggestions. My husband actually does have some of his moey taken out for a 401K and a savings account. His problems with the savings account is that he is forever spending it on stuff for his home automotive shop. He does not have a good business sense and he doesn't listen to my suggestions on how to improve on the money-making part. I wonder if anyone else has a spouse that just spends way too much money.

God grant me the serenity to change the things I can, to accept the things I cannot change, and the wisdom to know the difference.


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JERESS26's Photo JERESS26 SparkPoints: (0)
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5/29/10 10:04 P

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I print out coupons for products that I use and go to websites like www.http://shop4freebies.com/ they also give you coupons or samples and let you know if there is a restaurant having a special. I also save in my checkbook by rounding up. When I get a few dollars together, I put it in savings. Every little penny helps.

My name is Jean and I'm from Wellton, Arizona; USA

Mile by mile, it's a trial. Yard by yard, it's hard. But inch by inch, it's a cinch.
--Unknown

Waste your money and you're only out of money, but waste your time and you've lost part of your life."
~Michael Leboeuf



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MOMMA48's Photo MOMMA48 Posts: 809,603
5/29/10 9:36 P

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I hear ya, my friend! My hubby and teenage son aren't too into saving the dollar either and it is difficult--especially during these economic times. But, I take care of the finances in our home or else we'd be in a world of hurt! Is there any sort of automatic deposit option where your hubby works? Even if it is a small amount -- something that could automatically be deposited into a savings account, 401-K, etc.? His take-home check would be smaller (all while your overall savings are increasing) and maybe that smaller amount would help him think twice about spending that hard-earned $. Just a thought and I hope it helps.

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PATTYMCGRAW's Photo PATTYMCGRAW Posts: 162,103
5/28/10 6:05 P

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I am new to this team. What great ideas you all have! I have cut everything down to the bare minimum but am still looking for ways to save money. Does anyone have any suggestions on how to get a husband to cut back? So far, I haven't been able to cinvince mine and anything would be appreciated

God grant me the serenity to change the things I can, to accept the things I cannot change, and the wisdom to know the difference.


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GRAMMIEOFTWO Posts: 5,023
5/28/10 1:23 P

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I negotiated with my dentist to get a discount because I don't have dental insurance.

I called my insurance agent and had my renters insurance cancelled and had them take my monthly payment out of my checking to save money too.

I don't need the renters insurance because I shop at thrift stores for most of my furniture or my friends give me things.

Once a month on the third Friday my favorite thrift store has 50 percent off of everything. I was able to get a sofa bed for $37.50. My dog is always on the furniture so it is fine with me.

I go to the library and get movies and use their computer. I no longer have cable but with the movies I get it isn't too bad.

I use fans instead of the air conditioner right now.

I look for meat that is marked down and buy quite a bit of it and put it in the freezer right away. I bought hamburger the other day for $1.50 a pound.

I shop at the dollar store a lot now and can't believe some of the things you can get there.

I paid my charge card off. I try to use cash more often.

I save coupons for eating out too. I try not to do that too often because it is expensive. I carry snacks in the car with me to keep me from wasting my money at a fast food place.

You all have a good Memorial Day Weekend.


Allie
KAREN4410's Photo KAREN4410 SparkPoints: (0)
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5/28/10 6:40 A

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We went down to basic cable only 19 channels. They don't like to advertise it. It saved $50 dollars on our cable bill we still have phone and internet on there which pays for itself with the amount of out of state and in state calls we make.

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CCEDILLE's Photo CCEDILLE Posts: 369
5/27/10 2:48 P

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We're getting rid of our extra 15 cable channels package. Cheaper and now there's even less reason to watch TV!

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TRIXEL's Photo TRIXEL Posts: 343
5/26/10 3:33 P

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-Eat in & try to waste less food. Using leftovers is becoming an art form for me. :P
-Canceled subscriptions & memberships.
-We used to go out a lot to concerts and so on - that's not happening anymore.
-Run the A/C less. Cut down on electricity use in general.
-Buying clothes at deep discount.
-Thrift store.
-Making gifts instead of buying them.
-Less/no air travel. My family lives in Canada, but I'm just resigning myself to not seeing them until things improve. My mother-in-law paid for us all to fly to a family wedding in England. That was a lovely respite.
-Buying less in general. Anything I buy now has to be something we need. If it seems doubtful, I leave it and then come back a week later if I still think we need it. A week's cooling off seems to eliminate most purchases.

I'd really like to work barter in to some of our everyday consumption. I'm not sure how to start with that one though.

One of the weird things I've noticed about losing my job and money being tight is a lot of the things I'm doing are better for the environment.


Edited by: TRIXEL at: 5/26/2010 (15:38)
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MJMOONEY's Photo MJMOONEY SparkPoints: (0)
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5/26/10 12:26 P

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We have no Cable, Sat, etc & use free wi-fi or watch videos. No land lines and lights only come on if you absolutely need them.

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ND774748 Posts: 319
5/25/10 8:34 P

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Stopped buying luxury items, cut back on eating out, watch movies online and go to the library for newly released books.

Change is the only constant in life.


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SROUS1340's Photo SROUS1340 SparkPoints: (0)
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5/25/10 12:01 P

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refi'd my home, transferred a credit card balance to a lower interest rate w. 6 mos interest free, watching my grocery budget carefully, cut out coffees and eat out lunches, picked up some smaller clothes at the thrift shop.

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BARBARAWEBSTER's Photo BARBARAWEBSTER Posts: 1,728
5/25/10 1:00 A

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This is a very exciting topic! Today I turned in a change of address to my new apt, and am getting rid of the costly expense of having a PO Box! I also went shopping at the clearance rack at Walmart and got 5 pairs of new jeans for $3 each! I haven't worn jeans without an elastic waistband for 31 years! Next month I am getting rid of my two storage units completely, so I can afford the increase in rent on my new apt.!

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ANNESSPARKIN's Photo ANNESSPARKIN Posts: 42
5/24/10 1:17 P

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This is such a great thread! Thanks for sharing. Here are a few things we do to save money.

To save on taxes, my husband maxes out his 401k. Also, he chose a healthcare option that saved over 2K per year for our family over Blue Cross.

We paid our vehicles off to avoid paying unecessary interest. Also, you don't have to carry as much insurance if you own a vehicle either. Consider the replacement value of your vehicle before paying for full coverage.

We are slowly replacing our lawn with plants that require less water like lavander and other sun loving plants. When it comes to doing things around the house, we do it ourselves rather than hiring someone to do it for us.

To conserve power, we actually switch the breaker off on our heat pump because we found that even when it was off, it was drawing power. It was costing us $10 a month to NOT use our heat pump, silly right? We put a timer on our water heater (and turned it down) so that there is hot water only when we need it.

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THEATRE1SM's Photo THEATRE1SM Posts: 391
5/24/10 9:46 A

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This weekend my husband installed a newer programmable thermostat. It has settings for weekdays and weekends.

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JERESS26's Photo JERESS26 SparkPoints: (0)
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5/23/10 8:33 P

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We have been very careful about turning things off (lights, tv) when leaving the room. Planting a garden and starting a compost. At night we turn off the tv and enjoy sitting out on the porch and talking and watching the stars. It is so clear here. Still have much more to do to fix up home, but we are doing it ourself. emoticon Jean

My name is Jean and I'm from Wellton, Arizona; USA

Mile by mile, it's a trial. Yard by yard, it's hard. But inch by inch, it's a cinch.
--Unknown

Waste your money and you're only out of money, but waste your time and you've lost part of your life."
~Michael Leboeuf



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CD5553271 Posts: 7,685
5/23/10 3:39 P

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Wow, AndyPark, you have definitely made something very good out of a rotten situation. How wonderful.

ANDYPARK's Photo ANDYPARK Posts: 31
5/23/10 10:54 A

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Our car was stolen about 6 weeks ago. Of course we (2 adults, 2 kids) were very upset. But we live right in the city with public transportation and a grocery store literally 2 blocks away. Although we received money from the insurance company, we decided to not replace the car. We've been walking or biking everywhere (or taking public transportation) which has 1) lowered stress levels and 2) been a healthy alternative to driving. We shouldn't have been driving as much as we were anyway. The extra bonus is all the money we are saving - no insurance, no gas, no trips to Target (and other stores) where in addition to necessities there would always be additional items added to the cart. You get the idea. I realize that not having a car is feasible for us because where we live makes it possible, but for us what seemed like a disaster turned out to be a good thing.

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CD1949072 Posts: 3
5/23/10 6:11 A

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Our biggest cost cutting tip was to budget. Use cash only and only spend that. We have no credit cards and our debit card is used only to pay the bills we can online. We use envelopes for our weekly cash needs. Coupons. We got rid of our land line and use only the cell phones.

MJDEVEREUX's Photo MJDEVEREUX Posts: 31
5/23/10 4:36 A

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No fast food. This little change seems to be meeting a ton of goals lately!

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SUGARSMOM2 SparkPoints: (296,807)
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5/22/10 2:56 P

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we put new light bulbs in all the lamps . we got a timer for the hot water tank . we wrapped the hot water tank with a special blanket . we bought a new freezer that is an engery saver .

sugarsmom2 donna wva


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A10TIVTRTL's Photo A10TIVTRTL Posts: 1,871
5/22/10 10:39 A

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Yesterday discovered a small farm right in the middle of town, where you pick your own vegetables. Have yet to check out the prices, but it's one way to get FRESH food.

SHELLYSHOCKED's Photo SHELLYSHOCKED SparkPoints: (0)
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5/21/10 9:56 P

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I have been making my own laundry soap and fabric softner. Cost pennies per use and easy to make!

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PURERESEARCH's Photo PURERESEARCH Posts: 278
5/21/10 5:45 P

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Savings Nut is one of my favorite websites. Always great ideas for saving money. Not unlike this Spark Team! www.savingsnut.com/?gclid=CMent9uY5K
EC
FYM65Qodp1n4KQ


Co- Leader of Canned Fat Drive. We're GIVING our weight away, one pound at a time!
www.sparkpeople.com/resource/motivat
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Co-Leader of Living Life on a Shoestring.
www.sparkpeople.com/myspark/groups_i
ndividual.asp?gid=28017


'Normal' is just a setting on the dryer."- Barbara Johnson, author and speaker.

If we are what we eat then I really AM "all that and a bag of chips"



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MARIANNEMONT Posts: 1
5/19/10 7:33 A

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My husband and I watch our tv shows on the internet via hulu.com, casttv.com, and similar free tv show and movie websites. Why bother paying for cable at all? To watch the shows on your big tv screen, buy the cheap cable and plug your computer into the television. Easy, cheap, and you aren't stuck watching your favorite show during a few inconvenient time slots. We love it.

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SHELLYSHOCKED's Photo SHELLYSHOCKED SparkPoints: (0)
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5/18/10 11:58 P

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I have a big garden and can alot of vegetables over the summer and freeze berries and fruit for the winter. Its simple enough and after the inital investment of supplies, very cheap.
I also dry alot of clothes outside. I used to be upset at how exhausting lugging the wet clothes was until I realized it was also getting in extra workouts! Save electic and get fit!

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SUPERMOMMA76's Photo SUPERMOMMA76 Posts: 68
5/18/10 11:37 P

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We have started to use the dishwasher only twice a week, I make everything from scratch, I also hung up a clothes line for the summer time and we have a small garden that we get some veggies from.

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A10TIVTRTL's Photo A10TIVTRTL Posts: 1,871
5/18/10 11:12 P

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BQ, I don't know what a gazelle is, other than an animal, either, so don't feel like the Lone Ranger. I was a little surprised by the response to your question. Most people on Spark are so friendly and helpful.

MTTOSP Posts: 24
5/18/10 1:48 P

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I joined Spark People and quit my Weight Watchers online membership. We dropped premium cable channels from our system and do not miss them at all. We went from eating out once a week to maybe twice a month. I've dropped my glass or two of wine a night habit for both weight reasons and money reasons. Don't really miss that either.

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SHELL5470's Photo SHELL5470 Posts: 32
5/18/10 12:29 P

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If you have an electric oven or range try using a toaster oven for baking meals instead of your large oven. Toaster ovens run on 110 where electric ovens use 220. You'll find if you use your oven a lot that the toaster oven will pay for itself in no time.

"We have more ability than will power, and it is often an excuse to ourselves that we imagine that things are impossible". ~François de la Rochefoucauld


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1LADYBELLE's Photo 1LADYBELLE Posts: 76
5/18/10 12:26 P

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whenever I cook,I try to do a couple of meals at a time;we do not really like frozen,so by doing a couple I can put in refrigerator,just has to be re-warmed;next,I think we will try to get a toaster oven-but we really don't have any place to put it.we also try to buy more fresh(better for you too)so we don't have to use electric;combine our outings as much as possible;air out as much as possible EVERYTHING! emoticon



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JESSIEE11's Photo JESSIEE11 Posts: 37
5/17/10 11:48 A

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We consolidated our phone bills. Saving nearly 300 a month.

Switched from Geico for one vechicle (110) to Allstate, three vechicles for 150.

Other vehicle is insured with father in law. We are going to sell this one.

I drive the hubby to work, saving about half a tank of gas a week.

Shop at discount grocery stores. Save at least 40 per week.

Out to dinner once a month (at most, maybe every two months.)

No fast food.

Library for books.

Shop for cloths and scrubs at thrift stores.

A woman with coupons in front of me saved 40 at Wal-mart. I thought, "I save that every week just by not shopping here." Aldi rocks.

Coupons are most often for stuff I wouldn't buy in the first place. Occationally I'll use them.

I am captain of my own fate, master of my own soul. -- Nelson Mandela


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JAQUILLIN's Photo JAQUILLIN SparkPoints: (0)
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5/17/10 10:40 A

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I saw that someone is cutting cable back to basic...if you have not had a promotion in 3 months, you can call and ask for the current promotion. We usually get a year of digital for 29.99, then go 3 months on basic, and then get the 29.99 promotion again. Hope that helps!

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JAQUILLIN's Photo JAQUILLIN SparkPoints: (0)
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5/17/10 10:38 A

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we stopped reading the paper and I download coupons online. I have stopped being embarrassed and ask friends with older children for clothes, and have even asked some friends for their "fat" clothes to borrow as I am changing sizes since I don't want to buy a lot of in between sizes.

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1LADYBELLE's Photo 1LADYBELLE Posts: 76
5/17/10 8:43 A

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Hey BQ,ever hear of the internet or dictionary? Try using them for what you don't know about;as far as the rest of us,we are doing whatever we can to help with a contribution to the planet;going to garage sales or even thrift stores is better than buying new,when feasible;you are recycling a product and using less new dyes and not encouraging the production of more items... emoticon



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BQMOTHER1 Posts: 66
5/16/10 1:54 P

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Gazelle? I'm betting you don't mean an animal that is prey to cheetahs! So what is a gazelle?



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BQMOTHER1 Posts: 66
5/16/10 1:50 P

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Congratulations on the blueberry bush! I'm all for organic and all for having a garden; however, this year, because I'm moving in the middle of gardening season, I didn't plant a garden, and will depend mostly on farmers' markets. I will be buying larger amounts of seasonal foods and drying them in my dehydrator.




Edited by: BQMOTHER1 at: 5/16/2010 (13:52)

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SHAPEANDMOLD's Photo SHAPEANDMOLD Posts: 127
5/16/10 12:22 A

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Wow, there are so many people with such great ideas!

I don't have too many expenses but since I have no TV and thus, no cable bill. I have no land line since I rely on my cell phone exclusively. Since I rent an apartment, most things are already taken care of already.

I don't pay for water, but I minimize the usage as much as possible, but it's always a compromise since I filter the tap water to drink.

I managed to cut my electricity bill in half by unplugging most of my appliances except the fridge and doing the one light, one person rule. I try to do most things while it's still light outside and sleep early. And I make sure to do things at off peak energy times, like laundry early in the day or late at night. Even cooking later in the evenings helps as well.

As for food, I shop primarily at Trader Joe's (no coupons here) and I've managed to spend $50-75/month on groceries for myself. I do go out to eat about once a week, it's definitely worth it.

Clothes shopping is probably my biggest vice at the moment, but I'm working on reigning it in. Little things do add up and I find that I'm getting back to the essentials of what I need instead of what I want which is helping in the long term to reduce my expenses.

Good luck to you all! =)

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BLESSED714's Photo BLESSED714 Posts: 610
5/15/10 10:25 P

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I have been out of work for a year and my unemployment stopped. This is the hardest time of my life, since I lost my mom a month ago. Caring for her, and not being able to get a job, was worth it though. I cut out every pleasure there is to try to scrape by. I am moving to a smaller apt. after my lease is up, so that should save a few hundred dollars per month. I pray I can get a job soon, to be lifted from this burden. I make very wise choices now while buying food.


Val
Cause me to hear thy loving kindness in the morning; for in thee do I trust: cause me to know the way wherein I should walk; for I lift up my soul unto thee. Psalm 143:8
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�How far you go in life depends on your being tender with the young, compassionate with the aged, sympathetic with the striving, and tolerant of the weak and strong, because someday in your life, you will have been all of these.�


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CHERIEAMBER's Photo CHERIEAMBER Posts: 16
5/15/10 12:04 P

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I buy blueberries like crazy in the summer, so this year... I bought my own bush! Can't wait to see those berries!

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1LADYBELLE's Photo 1LADYBELLE Posts: 76
5/15/10 11:42 A

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I'm so excited,today at a garage sale,picked up a gazelle! Hubby & me both can use it and its portable too!Oh yeah,we finally got a couch=granted its wicker,but we don't have the many people at once over.. emoticon



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A10TIVTRTL's Photo A10TIVTRTL Posts: 1,871
5/14/10 8:37 P

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I'm proud of this - it's something I've been intending to do for the 25 years I've lived in this house. There are two weird openings in the hall ceiling, I think where some kind of fan system was at once time. I covered them with heavy plastic when I moved in, making a mental note to stick some insulation up there some day. Tonight my husband and I went to the hardware store and scoped out what we need to do it. I get paid on Monday and he says it will be an easy fix to put some foam core and insulation up there.
It's bound to save some electric. emoticon

Edited by: A10TIVTRTL at: 5/14/2010 (20:38)
SCHMID70's Photo SCHMID70 Posts: 313
5/14/10 11:50 A

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way to go! I'll be following some of your tips! Thanks.

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