Money saving tips!

If you're like me and have to be careful with where your money goes each day, how far do you have go to save money for essentials like food?
Do you cut back on luxuries?
Hand wash clothing?
Make meals from scratch rather then take away?
Try to make things rather then buy them?

Post your stories and tips below

#My money saving tip: I cut open the bottles of cosmetics like body lotion when they're almost finished and use up whats left inside rather then just throwing it away when I can't get anymore out the top. (Makes me feel like I'm getting my full moneys worth!)

I'm literally struggling to put food on the table 7
We're doing ok but had to make a few cut backs 14
We're doing fine, living life modestly and happily 21
I have plently of money to indulge 12
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Comments ( 35 )
  • howaminotmyself

    Making food from scratch is good start. If you have the room, grow your own herbs. Many will do well in a windowsill.

    Look for free things. My roommate just acquired a large chest freezer that will come in handy. When we buy chicken, we buy the whole bird and boil down the bones for soup stock and freeze it.

    Look for gleaners in your area.

    We put plastic over the windows and hang heavy curtains and blankets over the doors.

    Mildew is a big problem in my area so don't sacrifice too much heat or you will be sick all winter.

    Make your own cleaning supplies.

    Go to the library and find some books on do it yourself projects.

    If you can ditch the car, do it.

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    • We have chives growing in a tub here, tried to take some and replant them in a smaller pot but didn't work, gonna try and invest a bit more in it so long as i get a sunny window. I'm getting a fridge freezer to save power rather then run 2 appliances separately. Also heard put extra rugs/carpets down help keep the heat in (just made a draft excluded out of old pair of thick tights). Thankfully, wherever I end up it will be small! so heating shouldn't be too much of a problem. I'll be getting a load of cleaning stuff off my mum, but shall look up ways to make your own! My local library is my only entertainment, not having a TV and not expecting to have much internet. Car's gotta stay I'm afraid, though once the divorce comes through we're going to invest in a slightly newer one with better miles per gallon.

      What's a "gleaner"? Got too many varied responses off google

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      • howaminotmyself

        I live near a lot of farmland. One way people acquire free food is to go and glean the fields, or collect the remnants after harvest. Often this is done by volunteers to later be given to food banks but you don't have to donate it.

        It sounds like you've put some thought into money saving ideas.

        My roommate salvaged a bunch of acrylic yarn and is making throw rugs out of them to cover the floors. I think she found it in the "free" section of craigslist.

        Good Luck!

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        • cool I'll check it out, was gonna take the carpet from my current room here aswell as a start, might take some time making rugs :)

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          • howaminotmyself

            But it can double as a form of entertainment. :)

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            • too true...without a TV I suddenly find myself using my brain to create things, been cutting up my old unwearable jeans and making desk tidies and cushion covers out of them.

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  • Justsomejerk

    Don't get married.

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    • Mando

      That's funny! But still, living together as a couple is often not much more than as a single. Generally (not always) singles have a harder go of it. Of course a romantic attachment and compatibility is required.

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    • LOL it's my parents divorce that's causing me to loose my home and sending me into rent so I second that! :)

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      • *lose

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  • Mando

    I'd say the main thing is to expect value for money. Some ideas some from my student-past some not.

    As Dappled said - for god's sake have a budget. Know where you stand.

    Don't eat at fast food joints. Terrible food and pricey for what it is. If you are going to eat out go to a nice bistro for lunch (dinner menus price goes up). Great food - great value for money.

    Use transit - don't run a car. Or bike. Or walk. If money got tight the car would be 1st to go. Huge expense.

    Clip coupons. Make your meals from scratch - better for you and for food value - and processed foods are expensive and not as good nutritionally.

    Check the universities, community arts groups and "what's on" for free/affordable entertainment.

    Buy used clothes. Give up/restrict expensive habits if you can (like smoking, boozing, gambling).

    Share a good sized house with friends - pooling resources etc is better than one person living alone and scrimping for everything. Of course make sure you're not living with a big pain-in-the-ass and that the butt-pain isn't you.

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    • Thanks for the tips...unfortunately I do actually need the car for work itself...and there's no other jobs around but things can change. I don't tend to spend that much on clothes but my friend had a clear out and I got a load of her...some look ok on me, but others like a hoodie that's way too big for me I just keep on in the house.

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      • Mando

        Yes - I know what that is like. But car pooling may work - you know whether to work, or shop - anything that can spread the costs of a car among a few people making one trip together.

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        • well I'm a dog walker, and I visit and I collect dogs from their homes, plus sometimes with timing issues I have to walk more then 1 dog at a time so can't really use public transport. But I am hoping to live near the town center then I can just walk to the shops, library etc...

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  • dappled

    I don't have any heating on in the house and just wear a coat indoors. The utilities company keeps accusing me of having a magnet on my meter because I use less electricity than anyone else. If you have a boiler, make sure it's lagged. And that your house is well-insulated with modern windows.

    As for food, I tend not to skimp on ingredients, but I do pretty much make everything myself and if you're prepared to be organised (i.e. soaking dried beans overnight for a meal the next day) you can eat very cheaply indeed. Some meals can cost up to ten times as much if you buy them pre-prepared. I have thirty or forty herbs and spices in my kitchen (always good for flavouring up something bland) plus I use a lot of chillies. I have friends with allotments and they're often inundated with crops so need to spread them around. I get vegetables in return for favours like writing functions in Excel to manage their money (which is another tip for living on a budget - get a handle on where your money is going). Making your own bread is a boon too. I can get a sack of very high quality flour for a pound a kilo. Cheaper than buying bread, fresher, smells lovely, and tastes better. I make my own butter too. Only takes fifteen minutes and you can freeze it. If I have red wine left over, I put it in an ice cube tray and freeze it. Then if I'm making a sauce that calls for wine (say, a bolognese), I add a few frozen wine cubes.

    Finally, something I saw my dad doing when I was young and I've done ever since. If I get the last bit of the cordial from a bottle, rather than add the water straight to the cordial in the cup, I add the water to the near empty bottle and swirl it around so no undiluted cordial is wasted.

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    • I'm all for keeping the heating down a wearing a coat indoors but since I'll being doing this when I move into rent I've gotta be careful to avoid damp. Hoping to get a mid terrace or mid flat so I can relay heat from other walls then I'm getting a low voltage fan heater then put it on for 10 minutes an hour or something, then move it another point of the room (plus making draft excludes etc...to keep the heat in) I've been practicing making my own pizza bases then freezing them.

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      • dappled

        Ahh, I forgot damp. I live in a church and we don't seem to suffer with damp here. But yeah, good point. I'll need to remember that if I move.

        I've got a heater like that too. It's an oil heater which is like a mobile radiator. You just plug it in where you need the heat and shazam! It's been so rainy recently, though, that it's not been cold. I don't even have my coat on at the moment. Just a shirt. No heat on at all and I'm cool but not cold.

        Yay on the pizza bases too. The best pizza I ever had in my life was one I made from scratch. Shame I've never been able to replicate it. :/

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        • VioletTrees

          You live in a church? O:

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          • dappled

            You must have known that! I talk about it ALL the time. I'm a vegetarian too, by the way. :P

            Basically with me, just assume contradiction. I'm a car-loving, cheeseburger-loving atheist who won't drive a car, is a vegetarian, and lives in a church. If I ever stop using computers, I will have completed the deal.

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  • at home hot water bottles are good, you can fill 2 for the bed and have 2 under your jumper during the day. beetroot juice for lipstick (plus it stays on the lips for weeks) burn a stick and use the charcoal for eye liner , so many ways to save money especially if you like cosmetics. a dozen eggs lasts 12 days, keep bread in the freezer so it lasts for the eggs, just take a slice per day and toast it. if yr desperate hang around the food sample person in the supermarket and eat your fill , i havent tried these things ( except the hot water bottles) but they might help

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    • I'm gona be using my mum's old tea pot and handmade knitted tea cosey to keep kettle water warm (just as soon as I get rid of the witch hazel smell from the cosey -been sitting in the medicine cupboard!)Never tried the free samples at the supermarket - though I wonder if I'll get booted out for pestering the assistant if I do that :)

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  • o_0

    To save money i mainly cut down things that i don't really need to spend on necessarily like we don't mainly hangout or o out at restaurants for lunch or dinner.. we often bye second hand things or those sold in sale..
    while buying books i see if there is a pirated copy of it which is sold at half price ... and when I have read them I sell them again on half price ... i have bought a money box and every time i get some money i put its 20% in it ... that way i save much money for birthdays or any celebration.. there are so many ways but i just cant remember them now..

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  • disthing

    2nd hand everything.

    Don't put heating on of any kind unless it's really necessary i.e. your toes will fall off if you don't.

    Buy basic dried foods like rice and pasta.

    Don't own a car.

    Don't own a pet.

    Don't buy expensive alcohol (or alcohol at all).

    Don't smoke.

    When I grew up money was incredibly tight. It's all fine now, although I'm still reluctant to spend my money. In most wealthy 'Western' countries it's quite hard to die from poverty - there are a lot of support networks available. But it is possible to squander the money you do have, hence why budgeting is important, getting the essentials first and saving any money left over if possible.

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    • Liking the 2nd things - I got a load of 2nd clothes off my friend...some don't look quite so good on me but I just wear those round the house and change when I got out. Think once I'm in rent savings building up savings will will be quite difficult, but still got time to build them up while I'm still living with my mum. Done lots of planning ahead - just hoping it works out ok :)

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  • NeuroNeptunian

    Most of my furniture I got thrift, off friends or from my old job. The only new thing in my house is the mattress.

    We don't have cable. We have netflix. Prepaid phone plans rather than the actual phone plans. Those have come A LONG WAY. Definitely check them out if you are thinking about saving money on your phone plan and you're not a big smart phone junkie. We do more cooking than take-out or fast food. Fast food will REALLY drain your budget. Cooking seems more expensive but as a long term thing, it actually saves me hundreds a year.

    Both of our cars are not new, so we own them fully. Used cars are generally a good bet if you have some sort of mechanical skills or know honest people. With decent maintenance, a good engine will last a while. I change my own oil and do a lot of my own preventative maintenance and it doesn't take nearly as much skill as gawking passerbys like to think I have.

    Buy used, buy thrift, clean it up yourself and if it makes you feel better, buying used and thrift is actually better for the environment unless you're buying a vehicle that gets horrible gas mileage or a couch made of... asbestos. It's really not as difficult as people like to make it sound.

    Also, buying wholesale and sticking to shopping lists is a good idea too and making your own foods will help you stay healthy which is good for your healthcare bill assuming you pay one. Cutting out trips to get meals and planning trips a little better saves some on gas.

    Focus on the little things too, they always tend to add up. Don't pay with a credit card unless you can pay that card off at the end of the month, don't take out unnecessary loans because interest is a bitch. I use my credit card for literally everything and I will be getting a rewards gift card in the mail for it. However, I pay it off at the end of the month, promptly, and don't overuse. Try to build a good rapport with family and borrow from them and pay them back promptly. My family is always willing to loan me money because I always pay them back before I say I will.

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    • Mando

      I always like your points about relationships and finances/loans - and how important it is not to burn bridges. I've had the experience where lending sometimes substantial sums and then it becomes MY problem to collect! And the person's buying stuff and still not paying you promptly or at all. Burn.

      This is why people hate to lend money. So while you may call it a loan - whether small or big - if you lend to someone make sure you can afford it if its not paid back in full or at all.

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      • NeuroNeptunian

        You know, it sucks that people are like that. I feel very uncomfortable with owing others money so I try to pay back promptly and I am not cool with letting a relationship go sour for money that I should have repaid. Usually, people don't get pissed if they see you're at least trying to pay them back.

        I am starting to think that I might take money more seriously than a lot of folks...

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    • Thanks for all that. I'm trying to work out how much internet I really need (currently on cheapy with Vodafone with no internet, but I am going to need some internet for work so was thinking of switching to three) Internets better to use on smart phones...but I don't fancy being locked into a 2 years contract of £30 a month! Don't actually eat out that much at all...but food budget I'm dreading! Fortunately I liked healthy food and will eat most things, currently researching 101 recipes with rice! We are getting a newer car to replace my clapped out rover to help with the MPG, I can do regular checks but have no idea how to actually drain the oil or replace the filter. Always use a debit card :) though I read that using cash at the supermarket will help you only buy things you can actually afford

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  • anti-hero

    If you drive go everywhere you need to go in one trip.

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    • Already do...trying to drive smoothly in a grumpy car :)

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  • Shackleford96

    Get a second job if possible.

    Look for swap groups on Facebook.

    Sell junk you don't need. Even junk you think you do need...

    Learn to repair things. Electronics especially. Vehicle repair is good too. Rebel against the consumerist mindset!

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    • I sell things now and then on ebay, not good at repairing electrics - more sewing I do, and vehicle repair is a bit beyond me...but I can do things like change a light bulb on a car without having to pay Halfords £6ish to do it for me me (bit of a rip off)

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      • Shackleford96

        Ebay is good. Sewing is good too, might like to get into it sometime.

        Yeah, vehicle repair centers can be quite a ripoff sometimes. I always get a service manual and do it myself if i can.

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