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Manda+Chase:If your receipt has a survey on it, take it! I've gotten so many free things from taking surveys that take at 5 minutes.
oh really? i always laugh knowing wont win anythng
mine is eating out. dont do it. pack a lunch.
mrsj0423:Don't buy tons of shiiiit you don't need.
nail meet head. haha. You are so right!
haha, yes ma'am!
I guess for us it has been to not use credit cards. We don't have any, so if we can't afford to buy something, we just don't. Pretty simple.
ETA not saying that it's completely horrible to use credit cards, I think they are fine as long as you're paying them off.
LaBe44a:Grocery shop for what you will use each week. Make a menu for the week and stick with it. We buy some things in bulk that we can freeze or know for sure we will use over time, but we don't buy things extra that are going to spoil and end up being thrown away.
That's my way of shopping too... I also buy my staples from Costco. I save change but I put it in FK's rainbow shaped bank. We call it the "Rainbow Car Fund". It already has a good amount in it. I'm going to open her own account soon. We use coupons too. Not as much or efficiently as I'd like but we do use them. I need to hang with Stokedwifey so she can school me in her ways of couponing.
Jessie11LU:Buy meat at a local butcher shop in bulk. I got various cuts of meat, 25lbs, for 75.
hmmmm i never thought about that, i always assume theyre more expensive. ill go check ours out.
KarmB: Manda+Chase:If your receipt has a survey on it, take it! I've gotten so many free things from taking surveys that take at 5 minutes. oh really? i always laugh knowing wont win anythng mine is eating out. dont do it. pack a lunch.
It doesn't always work, but hey, it's 5 minutes.
Don't go to target. Instead go to Walmart because you cannot stand to be there long. ;).
I agree with the credit cards thing. Avoid them.
Hit happy hours for meals out.
Our Little Man
HuskieFanUW:Buy a 1/2 ofnbsp;a cow, we brought one and it lasted us almost a year and 1/2 before we ran out of meat and it was so much cheaper.
bellaxanthe:Don't go to target. Instead go to Walmart because you cannot stand to be there long. ;).
1. We also use coupons whenever possible.
2. We use credit cards, but pay them off every month. And we use cards that give us rewards for gas, groceries, Kohl's, etc. It's nice making extra money off the credit card companies!
3. Also, if you company offers a match on your 401k, contribute whatever amount you need in order to get the company match. For example, my company contributes 3% towards my retirement if I contribute 3%.
I have to admit I'm really lousy with frugal money-saving tips largely being discussed here.
I'm really good with the big money management type ideas though, like the 401k match. So in that vain:
1) Participate in 401k up to full company match AT A MINIMUM.
2) When budgeting, lay out fixed costs, then retirement savings, then balance other targetted savings and variable costs last. Automate the savings amounts to move out of your account before you can spend it.
3) Pay attention to the fees on your investments. High fees will more than eat up returns over your investing timeline. I strongly recommend low-fee index funds for almost everybody.
4) Don't cash out a 401k when you leave a job - roll over to an IRA. Unless for dire emergencies - retirement savings should stay retirement savings.