N3TR: Tips to save money?

JennyS86 · May 2013

Happy Friday, Ladies!

What do you and your DH skimp on to save money? We know that IF gets expensive and we're financially conservative (savers) by nature, so we're always looking for ways to save money. IF just gives us more motivation to cut back!

For example, we decided to cut out smart phones 18months ago - we just don't need them. We save at least $60 per month on that! What do you all do?

Thanks!

Mochadoodle · May 2013

We've started eating out less. It just gets to be too expensive!

ksgsmu · May 2013

We use Mint.com to track all our spending and create a budget/savings plan. Just being more aware has helped us cut down on unnecessary purchases.

We also eat at home most meals and we go to the early bird movies (before noon on weekends) to save money on tickets since we like going to the movies so much.

I also switched hairdressers as my old one was VERY expensive. I found one I like even better that is WAY cheaper!

rox825 · May 2013

I take public transportation to work, saves money on gas and parking. We also only eat out or get carryout max once per week, and we always use coupons for groceries. And we got a great rewards credit card that gives cash back, we use it to pay for everything that we can and pay the full balance every month so there's no interest. In a year's time we have over 500 bucks in rewards.

EIK2013 · May 2013

We try not to eat out as much, look for cheap happy hours around town, go to earlier movies so they aren't as expensive and try to cut down on traveling. We use to travel a lot so my DH could play hockey, but stopping those trips has helped a ton. Good luck with the money saving!

ena724 · May 2013

DH and I are also savers by nature, but we have been watching how much we eat out and also I'm thinking of dying my hair back to its natural color. Highlight/lowlights are really expensive!

We also pay off our credit cards every month, which has helped tremendously. We only charge things on them that we know we can pay off at the end of the month. DH is a little crazy about accruing interest on them.

shelbeans82 · May 2013

I recently created a budget (in excel), we are not big spenders to begin with but it was still eye opening to see where our money was going!

We don't pay for TV (no cable, just an antenna)

DH no longer buys lunch every day but packs one and we cut out how frequently we were eating out and if we do try to use a groupon or a gift card for at least part of it. I also cut back on my personal spending habits (clothes, crafts, etc..)

Good luck!

luciddreamer106 · May 2013

We don't have cable tv. We use Netflix streaming, Hulu, and a digital antenna. It works for us!

happygirl1013 · May 2013

(1) Take lunch to work 3x a week at least

(2) Buy diet coke in bulk at home instead of at work

(3) Never take cabs, always subway (we live in NYC and don't own a car)

(4) Always fly coach, and try to use frequent flyer miles for all vacation costs

(5) Learned how to say no to people who always want to go to the bar--- much nicer & cheaper to have drinks on the roofdeck at home

(6) I make a crock pot of soup on Sunday nights that is a great for dinner during the week so we avoid takeout

(7) Always try to save food in tupperware instead of baggies, because it gets expensive

(8) Bring reusable bags to whole foods instead of using paper bags- the 25 cent discount per bag over the years has added up

(9) meet friends for appetizers instead of dinner when they want to meet up

(10) Try to find fun frienda activities on the weekend that are free

(11) Unsubscribed from all promotional emails so I am less tempted to shop

(12) Use cash more often- swiping the card is too tempting!

SweetTea420 · May 2013

We started packing our lunches for work instead of eating out. It saves tons of money and it's healthier!

lin681 · May 2013

We stopped eating out. We having been doing it for over a month now and you can def see a savings.

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