I am trying my hardest to cut back on things, even trying to go back to the basics of cooking and not buying much pre-packaged items at all, but I am totally stumped. I need some advice on howt o start and the process to help me to weed out some of the things that are more expensive. Mind you, I am not one to spend much on any one thing to begin with. I am sitting here trying to figure out how to get myself in the groove of being more frugal. I am not sure I am getting my question across to well, but if you have any frugal advice I will listen. God bless you and thanks for reading.
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Cathie M.
Member since:
June 13, 2007 The steps to becoming frugal, please.
August 10, 2009 06:04 PM EDT
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comments: 16
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Comments: 16
Hope that helps you some.
Grow as many foods as you can and I can see from your posts that your already doing this one. I use some of my produce to make breads, cookies, muffins and cake.
Send for the free samples and I regularly post several every single week. I have many days where I haven't spent a single penny for anything I ate that day; however, it does take work to get the grocery bill that low.
If you shop at CVS, then be sure and read the great tips posted, as one of the ladies on Money Savers pays very little all of the time. Several ladies post several of the other stores also.
http://ovenlove.blogspot.com/2009/05/mays-pmow-challenge-homemade-pop-tarts.html)
or something you could completely do with out? (For example, we don't purchase cable. I haven't watched tv in years. Never missed it. Or Buying books? Never. That's what the library is for!)
Also, check out hotcouponworld.com. It is a community of frugal folks sharing deals at drug stores, grocery stores, etc and frugal tips.
Then write down everything you spend., every day, every minute, from the bottle of water when you're dying of thirst to the new computer you needed. Keep a log for at least two weeks, more if you can stand to. After you've done that, look over your expenses and some things will jump out at you. You'll be able to see where your overspending or where your money goes. Get a calculator and add some things up.
When you see that, you'll know where to logically cut back for your specific situation. There are tons of advice all over the 'net on saving pennies and dollars, but choose the ones you can do comfortably at first. Try adding one thing each week or even each month if weekly seems overwhelming. Don't try to do it all at one time or you'll find youself frustrated and feeling deprived.
Start with food if you like. Try generic brands, stock up during sales (but only of food you will actually eat and food that won't spoil too fast), shop alone with a list.
Food isn't the only thing you can save on, but it's a place to start. After that, look at your utilities, your insurance premiums, your entertainment bill... just move from one area to another until you have it covered.
Doing your own cooking should save a lot of $$$, plus you have the added bonus of being able to adjust it to exactly the way you want it (i.e. more seasoning, less fat, etc.)
Base your grocery lists around what is currently on sale. I find I save much more when I do this. Plus, coupons are a must. Also, stock up on things you frequently use when you see them on sale. It'll pay off in the end.
I'd suggest contacting your cable company and ask for a better deal. With DirecTV and all sorts of competition out there, they'll usually be pretty accommodating. This also works with insurance companies, cell phone companies, etc.
I'm a big fan of either borrowing DVD's from the library or renting them from the RedBox kiosk (they have their machines all over here, not sure about where you live.) RedBox is $1 per day, per DVD. Much cheaper than Blockbuster or Hollywood Video.
Every couple of months, I clean out our CD and DVD collections and our book shelves, and take the things we no longer want over to Half-Price Books. They'll review what you bring in, give you a price quote to buy the items, and if you are happy, they'll pay your "buy-out" in cash. Keeps the shelves neat and organized, eliminates clutter and gives me a little cash in the process.
I'm sure there are more that I'm not thinking of now.
Hope that helps!