My co-workers and I had a great conversation going in the lunchroom the other day. The theme was "Little things we do to save money." We had quite a list going and I thought, unemployed or not, the following tips (collected from my officemates) could help you save a little extra money:
1. Create a budget so that you can see exactly where you money is going
2. Set up automatic savings accounts where money is automatically drafted from your checking
3. Always pay yourself first even it it's only $10 to your savings
4. When reaching the end of toothpaste, shampoo, makeup etc., cut the tube in half and scoop the rest out with your finger or butter knife
5. Make your family and friends' birthday, anniversary etc. gifts instead of buying them
6. Refrain from eating out. Make a big pot of something and learn to love leftovers!
7. Keep a "piggybank" in your bedroom and throw all your pocket change in it. Pennies make nickels, nickels make dimes, quarters make dollars...you get the idea!
8. Utilize customer loyalty programs. Get a "discount card" and use it!
9. Even if you do not have health insurance, you can still get cancer screens through the American Cancer Society. Check with the health department for more information.
10. Drive the speed limit to save on gas and avoid costly speeding tickets!
11. If you take medication, go to the drug manufacturer's website and see if they have a prescription assistance program. Check out www.bridgestoaccess.com
12. Use the IRS online forms to figure out your taxes. You can do both your federal and state taxes for free
13. Color your own hair and polish your own nails
14. Use the local library to check out books, movies and magazines
15. Online coupons: Groupons, www.groupons.com, and www.retailmenot.com are just a few
16. Angel Food Ministries operates from various sites in our area (see www.angelfoodministries.com). You order groceries by the boxful at cheaper prices and every week is a different choice of items. This is open to everyone, not income based.
17. Don't use credit cards; do cash only. Interest and fees will add a lot to the price you pay over time.
Please add your suggestions to this list. Who can afford not to save a little money these days!
Warm regards -