How do you save money!

Rockinonahigh · 12-02-2013, 11:18 PM

Quote:

Originally Posted by Okiebug61

We will in your town in March! Maybe we can meet up!

Great,let me know when.

Kelt · 12-03-2013, 12:30 AM

I do a few things. For buying things like food I get all of my staples in bulk beans, quinoa, rice, spices, nuts. I buy fruit and veg that are in season and on sale at a huge ethnic produce stand, then fish/meat at a warehouse store. I do all of my cooking at home. Almost never go out, I like the food here better.

I also do a little game with my regular bills like utilities, insurance, etc. I have a Visa card that gets me Amazon points and I buy non-food items online. I pay all of my bills, most are auto-pay so no forgetting, with the Visa to earn the points and then just pay the card off each month. That way I get the extra consumer protection, maintain my Fico score (otherwise lack of activity drags it down) and net $20-30 per month in points.

All of my transactions are automatically recorded into an online finance tracker (mint.com). It is set with triggers to let me know if anything is off budget and it emails me a summary each week, you can set different intervals.

Mostly though, I just don't spend it if it isn't truly necessary.

Jar · 12-03-2013, 05:43 AM

Quote:

Originally Posted by Kelt

All of my transactions are automatically recorded into an online finance tracker (mint.com). It is set with triggers to let me know if anything is off budget and it emails me a summary each week, you can set different intervals.

I use mint.com also. It does most everything Quicken is supposed to do (but doesn't) and it's free. It even keeps track of what my condo would sell for. Pretty cool

DapperButch · 12-03-2013, 06:55 AM

Quote:

Originally Posted by Kelt

I do a few things. For buying things like food I get all of my staples in bulk beans, quinoa, rice, spices, nuts. I buy fruit and veg that are in season and on sale at a huge ethnic produce stand, then fish/meat at a warehouse store. I do all of my cooking at home. Almost never go out, I like the food here better.

I also do a little game with my regular bills like utilities, insurance, etc. I have a Visa card that gets me Amazon points and I buy non-food items online. I pay all of my bills, most are auto-pay so no forgetting, with the Visa to earn the points and then just pay the card off each month. That way I get the extra consumer protection, maintain my Fico score (otherwise lack of activity drags it down) and net $20-30 per month in points.

All of my transactions are automatically recorded into an online finance tracker (mint.com). It is set with triggers to let me know if anything is off budget and it emails me a summary each week, you can set different intervals.

Mostly though, I just don't spend it if it isn't truly necessary.

Yes, to the paying off the credit card each month, that goes without saying. May parents do what Kelt did and I should do as well, pay all bills with a card (instead of autopay out of my checking account) that reaps me benefits.

Buying in bulk goes without saying as well. I am also super stickler for getting those Select -a-size paper towels. I also only use as much as needed. I find that for most things I only need half of the smallest Select-a-size piece. I also focus on not letting food go to waste (leftovers), that drives me nuts.

Oh, and don't forget to get energy effcient appliances. I also have my temperature control on a timer. The heat goes down during the day (when I am at work)/overnight, automatically. Other small things like keeping lights off in rooms, energy efficient light bulbs, and keeping blinds drawn in the winter to conserve heat.

My spending waste is modifications/upgrades for my sports car. Really though, I only do one project per year and I wait until I get my tax return for that.

Oh, I also hold on to cars. My "daily driver", is a 14 year old car, in fine shape. I have wanted a Wrangler Jeep for years, but have stayed strong! My sports car is 12 years old.

Ok, so it looks as though I could be worse! I am sure I would do better if I used mint.com, as it would motivate me.

Great thread!

Okiebug61 · 12-03-2013, 08:49 AM

Quote:

Originally Posted by Kelt

I do a few things. For buying things like food I get all of my staples in bulk beans, quinoa, rice, spices, nuts. I buy fruit and veg that are in season and on sale at a huge ethnic produce stand, then fish/meat at a warehouse store. I do all of my cooking at home. Almost never go out, I like the food here better.

I also do a little game with my regular bills like utilities, insurance, etc. I have a Visa card that gets me Amazon points and I buy non-food items online. I pay all of my bills, most are auto-pay so no forgetting, with the Visa to earn the points and then just pay the card off each month. That way I get the extra consumer protection, maintain my Fico score (otherwise lack of activity drags it down) and net $20-30 per month in points.

All of my transactions are automatically recorded into an online finance tracker (mint.com). It is set with triggers to let me know if anything is off budget and it emails me a summary each week, you can set different intervals.

Mostly though, I just don't spend it if it isn't truly necessary.

I use mint.com myself. I love it. I also am a big fan of any kind of points I can earn.

Rockinonahigh · 12-03-2013, 11:35 AM

Eight years ago I bought a 91 caddi for $4,000.00( in cash) it still drives very well with few if any issues,mostly the sensors but It runs good just the same.Having a son who is a mechanic is a plus for the few things that needs doing.
My son is bit by bit going green with the house,this summer we found out we were in a hail storm zone an were eligable for a new roof that the inshrance covered.Then he had blown insalation put in the attic,replaced the old a.c. with a new energy effenct one as the old fart wen't out when it least needed to as for the heater it was put in new right before we bought the house.The next two thing he is doing is a generator,then he is wanting to put solar panels on the roof to have a clean sorce of electricty then sell the excess back to the juice co.new windows are on the list to,probly next year.All the refit's are tax deductable to a point. We have also thinking about a green house with hydrophonic plant system,I have done this before and it worked really good,fresh tomatoes is a plus in the winter.

12-03-2013, 12:30 AM	#2
Kelt Senior Member How Do You Identify?: Beach Butch Join Date: Oct 2010 Location: SoCal Posts: 2,751 My Photo Gallery Thanks: 19,765 Thanked 15,378 Times in 2,541 Posts Rep Power: 21474852	I do a few things. For buying things like food I get all of my staples in bulk beans, quinoa, rice, spices, nuts. I buy fruit and veg that are in season and on sale at a huge ethnic produce stand, then fish/meat at a warehouse store. I do all of my cooking at home. Almost never go out, I like the food here better. I also do a little game with my regular bills like utilities, insurance, etc. I have a Visa card that gets me Amazon points and I buy non-food items online. I pay all of my bills, most are auto-pay so no forgetting, with the Visa to earn the points and then just pay the card off each month. That way I get the extra consumer protection, maintain my Fico score (otherwise lack of activity drags it down) and net $20-30 per month in points. All of my transactions are automatically recorded into an online finance tracker (mint.com). It is set with triggers to let me know if anything is off budget and it emails me a summary each week, you can set different intervals. Mostly though, I just don't spend it if it isn't truly necessary.

12-03-2013, 11:35 AM	#6
Rockinonahigh Senior Member How Do You Identify?: stone butch Preferred Pronoun?: makes no diffrence,I know who I am. Relationship Status: single,maybe looking if the right person comes along. Join Date: Dec 2009 Location: shreveport,Louisiana Posts: 4,907 My Photo Gallery Thanks: 4,682 Thanked 14,937 Times in 3,936 Posts Rep Power: 21474855	Eight years ago I bought a 91 caddi for $4,000.00( in cash) it still drives very well with few if any issues,mostly the sensors but It runs good just the same.Having a son who is a mechanic is a plus for the few things that needs doing. My son is bit by bit going green with the house,this summer we found out we were in a hail storm zone an were eligable for a new roof that the inshrance covered.Then he had blown insalation put in the attic,replaced the old a.c. with a new energy effenct one as the old fart wen't out when it least needed to as for the heater it was put in new right before we bought the house.The next two thing he is doing is a generator,then he is wanting to put solar panels on the roof to have a clean sorce of electricty then sell the excess back to the juice co.new windows are on the list to,probly next year.All the refit's are tax deductable to a point. We have also thinking about a green house with hydrophonic plant system,I have done this before and it worked really good,fresh tomatoes is a plus in the winter.