Counting the pennies can really add up
Everyone is looking to save some cash these days, and happily you don't have to make major sacrifices to do it. In fact, it's amazing how far small changes can go. Once you begin to see the benefits, put the money you're saving towards paying off a credit card bill, or into a savings account, and you'll really be making the most of your thrifty ways.
Increase your gas mileage
Take a tip from UPS drivers and plan your route carefully next time you go out to do errands. Avoid left turns, which can leave you idling in the middle of the road. Avoid rush hour if you can---you'll spend less time idling in traffic. Drive smoothly without swift acceleration or hard braking. Lower your speed just a few mph--- over time it will make a difference. Consider carpooling with a neighbor for regular journeys.
Never Pay Retail
Browse your local thrift or consignment stores regularly---it's amazing the range of goods you can pick up for a song. They are particularly good for clothing---you may even find designer items, or unused clothes. Also look online for all types of bargains and use a search engine to show you the lowest prices available on particular items. Search eBay and Craiglist to see if someone has what you're looking for.
Cut Your Water Bill
Install low flow shower heads, and put a timer in your bathroom to ensure family members don't linger in the shower. Make sure everyone turns the faucet off while brushing their teeth or shaving. Collect rainwater in your yard to water plants.
And Your Heating Bill
Invest in a programmable thermostat. During heating season, set it to drop the temperature in your home during the hours when people are out, and at night. Do the opposite for air-conditioning during the summer months.
Do It Yourself
Are there chores you currently outsource that you might be able to take on yourself? Perhaps you could mow your own lawn, clean the house or learn to do your own oil changes. If you can't spare the time to take on the whole task, try cutting down on the outside help to every other week and taking up the slack.
Buy and Cook in Bulk
This one saves you money and time. Make a list of the non-perishable groceries you use regularly, and buy them by the case at a discount store. If you have a freezer, you can do the same with perishables. Plan your meals ahead for one week, and cook as much as you can at one time so that you can refrigerate and freeze food for the days ahead. This saves on electricity bills while cooking and also usually cuts down on spoiled and wasted food.
Cut Your Premiums
Check out how much you're paying for home and car insurance. If you currently use two different insurers, ask if you can get a discount for buying both services as a package from one. Look at your deductibles, and if you can afford it in the event of a claim, raise them, as this will lower your monthly premium. Ask your auto insurer if it will give you a discount if you take a refresher driving course.
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