14 methods WE save money & cut DOWN ON costs

these days everyone’s jumping on the budget plan bandwagon as well as John as well as I are no exception. We’ve always been quite cheap- er, thrifty (often sharing one appetizer as well as one entree at a elegant restaurant or being sure to dig out our $5 off discount coupon each time we get the oil changed) however these days it’s much more essential than ever to save a buck or two so we believed we’d throw together a bit publish about all the cent pinching habit’s that we’ve honed over the years:

1. I cut John’s hair. I started this ritual years back when we started dating (in truth I utilized to cut his roomate’s hair before we began going out, which triggered John to believe I was into his strange roomie when I only had eyes for him). I don’t understand where I chosen up this skill, however it’s fun as well as I do whatever with a cheapie hair cutting scissors from CVS (no electric razor necessary) as well as John never ceases to get hair cutting complements which keeps me grinning like a trick (and keeps John coming back to my barber’s chair in the den). Our approximate annual savings: $140 UPDATE: You can checked out exactly how I cut John’s hair here.

2. We only have one car. I understand this set-up may not work for everyone, however thanks to the truth that I work at house (and haven’t driven a cars and truck because I was in high institution because I resided in nyc for practically a decade) we have saved out the wazoo since we only have one cars and truck to gas up, insure, maintain, etc. We even bought our utilized Maxima outright (with cash) so we don’t have a monthly cars and truck repayment to concern about, which makes it even simpler to save. Our approximate annual savings: around $1000-$2000+
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3. We Netflix with a vengeance. Although we typically go to the films about when a month, we save significant money on the other three weekends thanks to the truth that we always have two flicks to pop into the DVD player for immediate entertainment. particularly moving into the chillier months, it’s not uncommon for us to delight in a film on Friday as well as Saturday night instead of hitting the town for pricier develops of entertainment. as well as one more excellent money saving Netflix suggestion is to lease entire seasons of shows on the premium channels (we’ve viewed whatever from six Feet Under to Dexter this way) so we never have to pay for HBO or Cinemax however still get to delight in their award winning programming. We likewise lease yoga videos that we do together at house (3x a week these days- I’m so happy of us!) which is certainly a great deal less costly than hitting the yoga studio that often. Our approximate annual savings: at least $300

4. We purchase plants that are guaranteed. 95% of the time we purchase our bushes, perennials, shrubs as well as even home plants from Lowe’s as well as house Depot, which both assurance their greenery for as much as a year. So if that finicky fern is brown two weeks later, back it goes as well as we don’t lose a dime. Our approximate annual savings: around $80 (we purchase great deals as well as great deals of plants, however around one in ten will inexplicably kick the bucket).

5. We pay every single expense online. Which not only makes identity theft less of a concern (many crooks take outgoing mail from your mailbox with your information on it) it likewise saves us rather a few stamps over the program of the year (and tons of paper, too). Our approximate annual savings: around $40 a year in stamps alone.

6. We preserve a zero balance. With the exception of our mortgage, we bring absolutely no financial obligation from month to month, which implies we pay off our credit rating card in full each month, as well as never pay a dime in interest. as well as it’s not since we’re rich. far from it. It’s since we’re affordable as well as we dislike the concept of paying those greedy credit rating card companies! Our approximate annual savings: anywhere from $300 up (the typical American has an annual rate of interest rate of 18% as well as brings $8000 in debt… which implies they’re paying $1440 a year in rate of interest alone!)

7. We seldom pay full cost on house decor. If you look around our house, it’s full of traditional neutral pieces that ought to last us a while. as well as although whatever looks quite pulled together, we have scored practically every product on sale (and numerous with totally free shipping to boot). With the exception of our Pottery Barn sofa in the den (the PB Basic, their most affordable sofa at $1300, however still a splurge to us) many of our pieces hail from locations like Target (our TV stand, our den ottomans, our dining table as well as chairs), HomeGoods (almost all of our accessories), West Elm (where we got our duvet on sale as well as our bedroom mirror on clearance), JC Penney (our guest bedroom rug), Ikea (our sunroom side tables as well as chairs, practically all of our frames, our sheepskins, our welcome mats), Lowe’s (our bedroom floor lamp, our den rug), thrift stores (our sunroom table, our living space coffee table, our armchair in the den) as well as garage sales (our fireplace screen, our guest bedroom mirror, a few frames in the third bedroom). numerous other things are hand me downs (our mattress, the bed in the guest bedroom, our den side table, our sunroom pillows). Our approximate annual savings: $1000+

8. as well as when it concerns our garments we’re the exact same way. John likes J Crew, Banana Republic as well as even Kenneth Cole, however it’s always from the sale rack or even Marshall’s (which is full of treasures, you just have to dig a little). Likewise, I purchase my nine West shoes at DSW, my BCBG gowns at Marshall’s as well as my daily staples on the sale rack at The Limited, Old Navy, or even Target. My finest shoe score ever? Some gorge eco-friendly Roberto Cavalli sandalls for 50 bucks at DSW. Our approximate annual savings: $300+

9. We bring material eco bags to the grocery store. as well as because our store is nice, they offer a 5 cent credit rating per bag (we typically bring in about four). Over a year of shopping, that’s only $5, however it’s excellent for decreasing the amount of trash that we toss (and recycle) as well as there are a lot of other methods we save loot when it concerns grocery shopping…

10. We purchase the fundamentals at Costco. We march in there as well as snag five significant double boxes of cereal as well as a huge box of Ronzoni healthy gather spaghetti which lasts us well over two months (and enables us to snag two boxes of cereal for around $5 instead of one box for $3.50). That alone saves us $96 bucks a year, as well as when you element in the spaghetti cost savings thanks to our bulk purchasing, our approximate annual cost savings is: $125 or so. plus we get a discount rate annual membership for just $15 with John’s office, so we never believe twice about paying our yearly fee.

11. We likewise go food buying less. We really go as infrequently as we can get away with (usually two times a month or less) because we’ve discovered that each time people go food buying there are a few impulse purchases that aren’t required (and typically aren’t even that great or great for you) so cutting down the amount of buying trips a month cuts down the impulse purchases as well. as well as it truly assists us to cook the food that we have instead of ending up with a lot of errant cans as well as components in the back of the shelves that we never utilize since we’re always choosing up new stuff. Our approximate annual savings: $200

12. We hold an annual garage sale. Not only is it the supreme type of recycling, we typically make some quite great bank. Last year we made around $425, which is not a poor annual produce for something that only takes one morning a year. Our approximate annual cost savings earnings: $425

13. We’re thermostat freaks. In the winter season we keep our home at 69 degrees when we’re around as well as at 63 degrees when we’re not as well as when we’re sleeping. In the summertime we keep it at 74 during the day as well as 79 when we’re gone or asleep. sure for the second or two that Burger wakes us up in the middle of the night when a month it can be a bit uncomfortable, however for the rest of the year that we sleep soundly with the very warm or very chilly part, we’re saving tons of money on our heating as well as cooling expenses each year. as well as thanks to the truth that it’s programmable, in the morning everything’s completely comfortable by the time we wake up, as well as we even have a gas fireplace that we terminate up in the den on chilly nights when we’re yearning for a bit additional warm (and a huge fluffy blanket). Our approximate annual savings: $200

13. Me as well as my women do a magazine swap. I might quickly sign up for about thirty magazines, however instead my good friends as well as I sign up for around three each as well as all of us switch up until everybody has checked out each one. It’s a excellent method to save money (and save trees) as well as then when we’re all lastly finished with ’em I decrease a huge stack of glossy mags off at a regional bookstore that provides them away for totally free to their customers. Gotta like a magazine that gets around. John as well as I likewise on a regular basis utilize our library cards for totally free lit instead of purchasing something we’ll only checked out once, as well as we likewise unwind for a few hours a week at Barnes & Noble where we can leaf with books as well as mags for totally free while enjoying a huge sprinkle cookie (our only splurge at $2) as well as some complementary water with lemon. Our approximate annual savings: $80

14. We’re just typically penny-wise individuals. perhaps it discusses why we’re always suggesting sale products in every mood board (regardless of our client’s budget). as well as why we’re always trying to find up with affordable diy services instead of springing for costlier house decor. It most likely even discusses why we’re always digging up discount coupon codes, making our own chai tea at house instead of depending on Starbucks, hitting up Craigslist as well as Freecycle like it’s our job, as well as stockpiling those Bed bath & beyond 10% off discount coupons like they’re going out of style. We’re pleased that both of our households increased us to be so penny-wise (John’s dad’s nickname is “El Cheapo” while my dad’s understood as “The dollar General”) as well as even in times when it wasn’t always great to pinch pennies, we stuck to our guns (and split an entree in front of our high-rolling friends). Our approximate annual savings: $100

John as well as I are really hyper conscious of exactly how lucky we are to be on the exact same page about money. as well as we really believe that a cent saved is a cent earned. After all, if you tally up all of our annual cost savings above it’s a overall annual cost savings of $4,793. as well as that, my friends, is nothing to sneaze at. In fact, it’s kind of like we provided ourselves a tax totally free 5K raise this year, which is one of the major reasons that we can pay for for me to run the blog full time. say thanks to goodness for wise saving!

How about you guys? Do you have any type of suggestions as well as techniques for saving a bit dough? Do tell!

Be sure to inspect out Decor8’s fantastic publish about exactly how she saves money here. Inspiring!

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