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How do YOU save money?

D

dxkj

Lifer
Just curious. We're doing our best right now but I'm always up for more ideas. Basically think day to day/monthly expense.




Current Budget:


Electric------------------------45
Rent---------------------------844
Water/Sewage/Trash------35
Cable/Internet--------------30
Natural Gas------------------40
Car Insurance---------------64
Groceries---------------------175
Gasoline----------------------53
Entertainment---------------20
Dinner-------------------------50
Loans--------------------------160
Drugs--------------------------15
Phone--------------------------16
CellPhone ---------------------53
Charity-------------------------15
Tithe---------------------------250
Savings-----------------------200
Health Insurance------------235
Misc---------------------------0

Total-------------------------2300 a month
 
I keep it in a hard-to-get place, so I know where it is, but for most things I won't go through the trouble of getting it because it's too much of a pain in the bass.

That's just me...
 
Originally posted by: minendo
I take a certain amount of each paycheck and deposit it into an ING Direct savings account.
Click to expand...

Yeah, doing that, I'm wondering of more cost-cutting ideas, though putting it into savings right away is a good way not to spend it 🙂
 
I've found that the most effective way to save money, for me, is when I cash my paycheck, to tell the teller to put some of my money in a savings account, that way it gets saved.
 
I put $400 of each bimonthly pay check into my savings account. I have no liabilities at the moment so I'm thinking about upping it to $500.
 
Originally posted by: atom
Store brand stuff from the supermarket.
Click to expand...

We shop at Aldi's. The stuff they have there that is good, we get a lot. Probably spend $150-200 a month max on groceries, and another $50 a month going out to eat.
 
Originally posted by: dxkj
Originally posted by: atom
Store brand stuff from the supermarket.
Click to expand...

We shop at Aldi's. The stuff they have there that is good, we get a lot. Probably spend $150-200 a month max on groceries, and another $50 a month going out to eat.
Click to expand...

Stop going out to eat. There is $50 extra.
 
I am unable to save any money at the moment but a co-worker explained an interesting way of saving to me the other day...

He writes every transaction he makes in a register, checks, debits, atms everything... so if you don't do that this won't work but what he did was round every transaction up to the next dollar amount... after a few months he had like an extra 1k...

That wouldn't work for me but it might for you.
 
Originally posted by: minendo
Originally posted by: dxkj
Originally posted by: atom
Store brand stuff from the supermarket.
Click to expand...

We shop at Aldi's. The stuff they have there that is good, we get a lot. Probably spend $150-200 a month max on groceries, and another $50 a month going out to eat.
Click to expand...

Stop going out to eat. There is $50 extra.
Click to expand...


That's always possible, but 50 is the max, usually we hit 30-45 a month. The wife really likes going out to eat (restaraunts). We don't have many friends in the area, so its something to do 🙂. If we didnt go out to eat that would be 3-5 more dinners a month, so it wouldn't be the full 50. Probably closer to $20-30 savings.


But thanks, that is definitely an idea.



 
Originally posted by: Kemosabe1447
If it gets too bad, you could turn off your cable and go back to dial up...🙁
Click to expand...

Cable internet is $20 a month. But that is a possibility too.... except that I download enough entertainment during the month that it would save on alternate methods of entertainment.
 
Originally posted by: dxkj
Originally posted by: Kemosabe1447
If it gets too bad, you could turn off your cable and go back to dial up...🙁
Click to expand...

Cable internet is $20 a month. But that is a possibility too.... except that I download enough entertainment during the month that it would save on alternate methods of entertainment.
Click to expand...

How the heck do you get 20 a month?!? That only lasted 6 months for me now I'm paying 45...🙁
 
Originally posted by: Crazymofo
I am unable to save any money at the moment but a co-worker explained an interesting way of saving to me the other day...

He writes every transaction he makes in a register, checks, debits, atms everything... so if you don't do that this won't work but what he did was round every transaction up to the next dollar amount... after a few months he had like an extra 1k...

That wouldn't work for me but it might for you.
Click to expand...

jesus what a fvcking waste of time...

why not just set aside a couple hundred dollars at the beggining of every month that you dont touch and save yourself all the hassle of keeping a register.
 
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