There are loads of ideas for how to live on less. Just type “penny-pinching ideas” into Google and see what happens. You don’t need to make your life miserable to enjoy the euphoria of having money in the bank. Here are some painless ways you can economize. Look online or at your local library for more. Your FFEF counselor has some resources you can check out as well.
- Direct deposit is your best friend because the money is whisked away into your favorite savings plan and you don’t have to do a thing. Drop by your payroll department and/or your bank and fill out the forms today.
- Eat three meatless days a week and you’ll save as much as $25 a week. Veggies are good for you in more ways than one.
- Whenever you get a $5 bill, set it aside. Or do the same with quarters, dimes, whatever you choose. You’ll have a nest egg started in no time.
- Never spend unexpected income. Take your income-tax refund, gift money you receive, that cost-of-living pay raise, and any other extras straight to the bank.
- Get better at haggling. You’ll be amazed at who is willing to drop their prices, fees and interest rates: airlines, hotels, credit card companies, salespeople. Give it a try!
- Evaluate your favorite night out. A restaurant dinner could cost you more than you spend on groceries in a week. Develop a relationship with your money and what it’s worth; then you won’t be so quick to spend it.
- Raise your insurance deductibles. Reassess the deductibles for various kinds of insurance policies you hold. If you can raise them, your premiums drop.
- Throw away mail catalogs before you even open them.
- Never pay full price. Explore the online world of discount sites. Ebay, half.com, and craigslist.org are excellent sources of “lightly used” goods—everything from books to jewelry to office furniture. But beware and make sure you know the rules of bidding before you venture out.
- Don’t underestimate the value of the local dollar store. Party supplies, household paper products, children’s toys, bulk snacks, hair clips, kitchen tools, etc. are available at inexpensive prices.
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