Comments on: How to Save Money – 25 Ways I Save Money http://www.milliondollarjourney.com/25-ways-i-save-money.htm Building Wealth through Saving and Investing Sun, 12 Feb 2012 07:02:44 -0330 http://wordpress.org/?v=abc hourly 1 By: Crystal http://www.milliondollarjourney.com/25-ways-i-save-money.htm/comment-page-3#comment-122073 Crystal Thu, 27 Oct 2011 14:30:02 +0000 http://www.milliondollarjourney.com/25-ways-i-save-money.htm#comment-122073 Disconnect the cable and watch TV via online or though NetFlix, Cable $38 a month = $456 a year, Netflix $7.99 a month = 95.88 a year ... total savings $448.01... plus you save on all the box rental fees! Disconnect the cable and watch TV via online or though NetFlix, Cable $38 a month = $456 a year, Netflix $7.99 a month = 95.88 a year … total savings $448.01… plus you save on all the box rental fees!

]]> By: Shiraz http://www.milliondollarjourney.com/25-ways-i-save-money.htm/comment-page-3#comment-122057 Shiraz Wed, 26 Oct 2011 03:57:20 +0000 http://www.milliondollarjourney.com/25-ways-i-save-money.htm#comment-122057 I do my laundry and run my dishwasher at off-peak times to save on my energy bills. It makes a big difference over the course of the year! I do my laundry and run my dishwasher at off-peak times to save on my energy bills. It makes a big difference over the course of the year!

]]> By: Dylan http://www.milliondollarjourney.com/25-ways-i-save-money.htm/comment-page-3#comment-121533 Dylan Tue, 06 Sep 2011 07:13:48 +0000 http://www.milliondollarjourney.com/25-ways-i-save-money.htm#comment-121533 @12... Not true about Germany. They don't make you turn off your car at stop lights. Where on earth did you hear that? But... To get a driver license, it costs between $1,500 and $3,000 and takes roughly a month. Consequently, people save a ton by riding bikes. @12… Not true about Germany. They don’t make you turn off your car at stop lights. Where on earth did you hear that? But… To get a driver license, it costs between $1,500 and $3,000 and takes roughly a month. Consequently, people save a ton by riding bikes.

]]> By: Grace Poole http://www.milliondollarjourney.com/25-ways-i-save-money.htm/comment-page-3#comment-121335 Grace Poole Thu, 18 Aug 2011 17:02:38 +0000 http://www.milliondollarjourney.com/25-ways-i-save-money.htm#comment-121335 There are several things I do to save money. My friends say that if you look up the word "frugal" in the dictionary it would have my picture over it. First spend less and send more if you are in debt. My kids and I have had lots of fun this summer doing free or inexpensive activities, I ALWAYS pack a picnic to avoid spending $50+ on eating out on outings. This adds up so quickly. We also use coupons or find outings in near by little towns at a fraction of the price. I also grow a garden, hang out my laundry, and in the winter use drying wracks (which I got for 50% off on sale). For kids items and cloths I check out yard sales and Thrift stores and even better when the Thrift store has 50% off sales. I run the dish washer and washing machine on "off peak" hours, usually after 10pm, I always make extra dinner and put it in the fridge so my husband and I can take lunch to work the next day. While not at home I turn up the temp for the A/C or turn the temp down to 17 or 18*c so I'm not paying for heat while I am not home. These are some of the ways I save. Having a meal plan is essential and I base it on sales in the fliers, I also take all my fliers and shop where I can price match and I use coupons in addition to price matching to get the lowest price. There are several things I do to save money. My friends say that if you look up the word “frugal” in the dictionary it would have my picture over it. First spend less and send more if you are in debt. My kids and I have had lots of fun this summer doing free or inexpensive activities, I ALWAYS pack a picnic to avoid spending $50+ on eating out on outings. This adds up so quickly. We also use coupons or find outings in near by little towns at a fraction of the price. I also grow a garden, hang out my laundry, and in the winter use drying wracks (which I got for 50% off on sale). For kids items and cloths I check out yard sales and Thrift stores and even better when the Thrift store has 50% off sales. I run the dish washer and washing machine on “off peak” hours, usually after 10pm, I always make extra dinner and put it in the fridge so my husband and I can take lunch to work the next day. While not at home I turn up the temp for the A/C or turn the temp down to 17 or 18*c so I’m not paying for heat while I am not home.
These are some of the ways I save. Having a meal plan is essential and I base it on sales in the fliers, I also take all my fliers and shop where I can price match and I use coupons in addition to price matching to get the lowest price.

]]> By: Jayboard http://www.milliondollarjourney.com/25-ways-i-save-money.htm/comment-page-3#comment-121218 Jayboard Wed, 10 Aug 2011 12:15:07 +0000 http://www.milliondollarjourney.com/25-ways-i-save-money.htm#comment-121218 Every day when I get in from work or where ever I empty the change in my pockets into a cookie tin. It usually takes about 6mos to fill and usually on average amounts to $250 - $300. I have been amassing all my rolled change at home because if it goes in the bank it will just disappear. I have saved about $2000 so far and is going to be used for any emergency that pops up. The bank teller won't be too happy though when I go to cash it in. I drink alot of coffee and was spending about $3 a day but now I grind and make my own. A bag of beans is about $8 and will yeild about 3 avg tins of cofee which sells for around $6-$8 each. I'm saving about a$100 a month just in coffee. Every day when I get in from work or where ever I empty the change in my pockets into a cookie tin. It usually takes about 6mos to fill and usually on average amounts to $250 – $300. I have been amassing all my rolled change at home because if it goes in the bank it will just disappear. I have saved about $2000 so far and is going to be used for any emergency that pops up. The bank teller won’t be too happy though when I go to cash it in.

I drink alot of coffee and was spending about $3 a day but now I grind and make my own. A bag of beans is about $8 and will yeild about 3 avg tins of cofee which sells for around $6-$8 each. I’m saving about a$100 a month just in coffee.

]]> By: FrugalTrader http://www.milliondollarjourney.com/25-ways-i-save-money.htm/comment-page-3#comment-121085 FrugalTrader Wed, 27 Jul 2011 21:24:26 +0000 http://www.milliondollarjourney.com/25-ways-i-save-money.htm#comment-121085 @BGV, lol, who says I'm not called cheap? Surprisingly, I'm not called cheap very often, at least not to my face. :) Maybe it's because I'm "cheap" with my self, but not with others. And no, not many people know about my financial situation. @BGV, lol, who says I’m not called cheap? Surprisingly, I’m not called cheap very often, at least not to my face. :) Maybe it’s because I’m “cheap” with my self, but not with others. And no, not many people know about my financial situation.

]]> By: BGV http://www.milliondollarjourney.com/25-ways-i-save-money.htm/comment-page-3#comment-121079 BGV Wed, 27 Jul 2011 13:55:46 +0000 http://www.milliondollarjourney.com/25-ways-i-save-money.htm#comment-121079 How do you avoid being called cheap? And does your friends and other significant people in your life know your financial situation? How do you avoid being called cheap?

And does your friends and other significant people in your life know your financial situation?

]]> By: Gates VP http://www.milliondollarjourney.com/25-ways-i-save-money.htm/comment-page-3#comment-120946 Gates VP Thu, 14 Jul 2011 00:45:12 +0000 http://www.milliondollarjourney.com/25-ways-i-save-money.htm#comment-120946 <b>@JoeB</b>: the post is dated Dec 2009, so it's over 18 months old. FT is a Canadian blogger and mint.com was unavailable for Canadians at the time. It took <a href="http://thenextweb.com/ca/2010/12/03/mint-the-king-of-personal-finance-has-finally-come-to-canada/" rel="nofollow">another year</a> to arrive in Canada. @JoeB: the post is dated Dec 2009, so it’s over 18 months old. FT is a Canadian blogger and mint.com was unavailable for Canadians at the time. It took another year to arrive in Canada.

]]> By: JoeB http://www.milliondollarjourney.com/25-ways-i-save-money.htm/comment-page-3#comment-120925 JoeB Wed, 13 Jul 2011 04:18:08 +0000 http://www.milliondollarjourney.com/25-ways-i-save-money.htm#comment-120925 I like a lot of these ideas but Microsoft Money? A bit old school, especially with free services like Mint around. Nonetheless, great post. I like a lot of these ideas but Microsoft Money? A bit old school, especially with free services like Mint around. Nonetheless, great post.

]]> By: inspired by money http://www.milliondollarjourney.com/25-ways-i-save-money.htm/comment-page-3#comment-119351 inspired by money Fri, 11 Mar 2011 20:35:13 +0000 http://www.milliondollarjourney.com/25-ways-i-save-money.htm#comment-119351 I also forgot........... more of my personal tips 5. I never buy new vehicles, and when I get one we keep it till it is approximately 7-10 years old. Even buying one just a few years old saves thousands of dollars. 6. I always make soup with the left over carcasses the day after having chicken or roasts. usually lasts a few meals, and helps with brown bagging lunches. 7. do my own income taxes. Revenue Canada `s sites are very in-depth and informative once you get used to using them. I may hire an accountant as a consultant as needed (which of course is tax deductible due to tip 3), so as to not miss anything, but I find If I get ``intimate`` with my taxes, I understand how to spend and save throughout the year. The more I teach myself, the less I need my accountant, as well. 8. My family has at least one ``meatless`` supper per week. Favorite being home made waffles with yogurt smothered in berries. 9. Eat left overs (some people don`t. I once watched my friend start to dump enough left over spaghetti in the trash, enough for one more full meal. Of course I stopped her and made her put it into the fridge). I also forgot………..
more of my personal tips
5. I never buy new vehicles, and when I get one we keep it till it is approximately 7-10 years old. Even buying one just a few years old saves thousands of dollars.

6. I always make soup with the left over carcasses the day after having chicken or roasts. usually lasts a few meals, and helps with brown bagging lunches.

7. do my own income taxes. Revenue Canada `s sites are very in-depth and informative once you get used to using them. I may hire an accountant as a consultant as needed (which of course is tax deductible due to tip 3), so as to not miss anything, but I find If I get “intimate“ with my taxes, I understand how to spend and save throughout the year. The more I teach myself, the less I need my accountant, as well.

8. My family has at least one “meatless“ supper per week. Favorite being home made waffles with yogurt smothered in berries.

9. Eat left overs (some people don`t. I once watched my friend start to dump enough left over spaghetti in the trash, enough for one more full meal. Of course I stopped her and made her put it into the fridge).

]]> By: inspired by money http://www.milliondollarjourney.com/25-ways-i-save-money.htm/comment-page-3#comment-119350 inspired by money Fri, 11 Mar 2011 20:05:08 +0000 http://www.milliondollarjourney.com/25-ways-i-save-money.htm#comment-119350 Ways I save money........ 1. Savings with ING, hard to beat the interest, and also no fees. 2. Went down to one vehicle (I know, not for everyone...we have two teen kids and still can do it). 3. Started a consulting business, so that so many things are now tax deductible. 4. got a line of credit, bought property, fixed it up a bit, sold it for three times what we paid, then with the money bought a repossessed home under market value, fixed it with the same monies from first sale, (therefore no mortgage), Sold our primary home which produced a savings of over $100K (with no capital gains, as it was our primary residence), then moved into mortgage free home. Took the profit from sale of primary home and bought rental units. Can now retire and live off of rental units. (all this and I just turned 40 and if anyone can be inspired by this, I am also a female). Ways I save money……..
1. Savings with ING, hard to beat the interest, and also no fees.

2. Went down to one vehicle (I know, not for everyone…we have two teen kids and still can do it).

3. Started a consulting business, so that so many things are now tax deductible.

4. got a line of credit, bought property, fixed it up a bit, sold it for three times what we paid, then with the money bought a repossessed home under market value, fixed it with the same monies from first sale, (therefore no mortgage), Sold our primary home which produced a savings of over $100K (with no capital gains, as it was our primary residence), then moved into mortgage free home. Took the profit from sale of primary home and bought rental units. Can now retire and live off of rental units. (all this and I just turned 40 and if anyone can be inspired by this, I am also a female).

]]> By: Cheapsk8 http://www.milliondollarjourney.com/25-ways-i-save-money.htm/comment-page-3#comment-118702 Cheapsk8 Sun, 13 Feb 2011 20:42:20 +0000 http://www.milliondollarjourney.com/25-ways-i-save-money.htm#comment-118702 The other thing I wanted to add was don't hire a professional if you don't have to. There are books, online videos and courses at home Depot for example on how to do stuff yourself for virtually free. You might pick up a new hobby down the road because of this. As much as I'd like a professional to come in and paint my house, or grout the tiles in my bathroom ... i'm quite capable of doing myself (or making my husband do it!. lol) Oh and also buying floor models of larger ticket items can save you big bucks too. The other thing I wanted to add was don’t hire a professional if you don’t have to. There are books, online videos and courses at home Depot for example on how to do stuff yourself for virtually free. You might pick up a new hobby down the road because of this. As much as I’d like a professional to come in and paint my house, or grout the tiles in my bathroom … i’m quite capable of doing myself (or making my husband do it!. lol)

Oh and also buying floor models of larger ticket items can save you big bucks too.

]]> By: Cheapsk8 http://www.milliondollarjourney.com/25-ways-i-save-money.htm/comment-page-3#comment-118701 Cheapsk8 Sun, 13 Feb 2011 20:15:14 +0000 http://www.milliondollarjourney.com/25-ways-i-save-money.htm#comment-118701 I'm seeing a lot of the same tips repeatedly, but there is one tip that can help you get some of life's luxuries for the cost of your time.. barter!!!! I'm an esthetician and will barter a pedicure or something to get my kids' hair cut, or their pictures taken or a massage for myself. My husband's a mechanic and will fix cars for a case of beer (which is a luxury on a fixed income) or find a friend who is in the same boat as you and help each other out, This is great when it comes to child care, household chores, yard work, baking etc... As far as food goes, you can get a bunch of people together to split on the cost of huge bulk orders, but you can also get together and spend a day baking large batches of muffins, breads, and casseroles to freeze. you can also sprout your own sunflower sprouts all year round and have fresh greens high in antioxident and nutrient to eat for pennies. I’m seeing a lot of the same tips repeatedly, but there is one tip that can help you get some of life’s luxuries for the cost of your time.. barter!!!! I’m an esthetician and will barter a pedicure or something to get my kids’ hair cut, or their pictures taken or a massage for myself. My husband’s a mechanic and will fix cars for a case of beer (which is a luxury on a fixed income) or find a friend who is in the same boat as you and help each other out, This is great when it comes to child care, household chores, yard work, baking etc…

As far as food goes, you can get a bunch of people together to split on the cost of huge bulk orders, but you can also get together and spend a day baking large batches of muffins, breads, and casseroles to freeze.

you can also sprout your own sunflower sprouts all year round and have fresh greens high in antioxident and nutrient to eat for pennies.

]]> By: Scott http://www.milliondollarjourney.com/25-ways-i-save-money.htm/comment-page-3#comment-118398 Scott Mon, 31 Jan 2011 01:29:54 +0000 http://www.milliondollarjourney.com/25-ways-i-save-money.htm#comment-118398 One thing I do to earn additional interest is to charge everything I can to my CC, while keeping hardly any money in my chequing account, allowing me to keep it all in a savings account, and transfer as required. As long as you do not pay interest on the CC this works great. One thing I do to earn additional interest is to charge everything I can to my CC, while keeping hardly any money in my chequing account, allowing me to keep it all in a savings account, and transfer as required. As long as you do not pay interest on the CC this works great.

]]> By: Yufayl http://www.milliondollarjourney.com/25-ways-i-save-money.htm/comment-page-3#comment-117762 Yufayl Thu, 06 Jan 2011 21:23:47 +0000 http://www.milliondollarjourney.com/25-ways-i-save-money.htm#comment-117762 Drinking IS a drug! Drinking IS a drug!

]]> By: Monique http://www.milliondollarjourney.com/25-ways-i-save-money.htm/comment-page-3#comment-116789 Monique Mon, 06 Dec 2010 01:47:53 +0000 http://www.milliondollarjourney.com/25-ways-i-save-money.htm#comment-116789 We save money by reading tons of books on the subject and following others who are doing the same as us. We save money by reading tons of books on the subject and following others who are doing the same as us.

]]> By: F C H http://www.milliondollarjourney.com/25-ways-i-save-money.htm/comment-page-3#comment-116726 F C H Wed, 01 Dec 2010 06:21:37 +0000 http://www.milliondollarjourney.com/25-ways-i-save-money.htm#comment-116726 I live off the grid. And I am very proud of being frugal and don't care who knows it. But when I do go out or whatever, I will always pay my own way (not a bum). Credit cards are always paid off each month, if there is any balance at all. Don't have satellite or cable tv. 2 channels over the air and internet connection is enough for know. Cell phone is the only phone. Usually brown bagging and definately NOT dependent upon Tim Hortons, I build my own coffee. Building my own very small house when I am not working. I work when there is work and play when work slows up. Very seldom take time off from work in busy times. I buy vehicles used, and always pay cash. I shop for used tires long before I need them. My vehicles don't need all the bells and whistles, they just break down and are expensive to fix. A good running vehicle is by far more important than a real pretty looking one. I don't have a girl friend and never will unless there is one out there that thinks kinda the same as myself when it comes to money and frugality. I live off the grid. And I am very proud of being frugal and don’t care who knows it. But when I do go out or whatever, I will always pay my own way (not a bum). Credit cards are always paid off each month, if there is any balance at all. Don’t have satellite or cable tv. 2 channels over the air and internet connection is enough for know. Cell phone is the only phone. Usually brown bagging and definately NOT dependent upon Tim Hortons, I build my own coffee. Building my own very small house when I am not working. I work when there is work and play when work slows up. Very seldom take time off from work in busy times. I buy vehicles used, and always pay cash. I shop for used tires long before I need them. My vehicles don’t need all the bells and whistles, they just break down and are expensive to fix. A good running vehicle is by far more important than a real pretty looking one. I don’t have a girl friend and never will unless there is one out there that thinks kinda the same as myself when it comes to money and frugality.

]]> By: Cheap SSL http://www.milliondollarjourney.com/25-ways-i-save-money.htm/comment-page-3#comment-116448 Cheap SSL Thu, 18 Nov 2010 11:45:34 +0000 http://www.milliondollarjourney.com/25-ways-i-save-money.htm#comment-116448 Woah there are so many great tips here. I completely agree that sometimes living frugally can get to be a little overwhelming, not to mention embarrasing. So with that said I feel that there are some areas you just aren't meant to be frugal in. I have been searching the internet for a few months now on how to be frugal and tight with your money but not showing it. I guess that you could say when it comes to my reputation, i'm not that proud of being a 'tight artist'. Now while this article gives some standard tips on how to do things frugally... i would really like to see a post that shows how you can live frugally, but not seem like it to your family and friends. Theres got to be a way....... I know it....I just haven't found it yet..... Woah there are so many great tips here.
I completely agree that sometimes living frugally can get to be a little overwhelming, not to mention embarrasing. So with that said I feel that there are some areas you just aren’t meant to be frugal in.

I have been searching the internet for a few months now on how to be frugal and tight with your money but not showing it. I guess that you could say when it comes to my reputation, i’m not that proud of being a ‘tight artist’. Now while this article gives some standard tips on how to do things frugally… i would really like to see a post that shows how you can live frugally, but not seem like it to your family and friends. Theres got to be a way……. I know it….I just haven’t found it yet…..

]]> By: HowToSave http://www.milliondollarjourney.com/25-ways-i-save-money.htm/comment-page-3#comment-116160 HowToSave Sun, 31 Oct 2010 21:56:17 +0000 http://www.milliondollarjourney.com/25-ways-i-save-money.htm#comment-116160 I like point 19, "I buy with quality in mind in the expectation that it will last a long time." I've started to do this rather than just buying the cheapest thing. In the long run it works out better I like point 19, “I buy with quality in mind in the expectation that it will last a long time.” I’ve started to do this rather than just buying the cheapest thing. In the long run it works out better

]]> By: Ashton http://www.milliondollarjourney.com/25-ways-i-save-money.htm/comment-page-3#comment-115732 Ashton Tue, 12 Oct 2010 04:16:17 +0000 http://www.milliondollarjourney.com/25-ways-i-save-money.htm#comment-115732 I try every month to make sure my income is higher then whatever I spend. It's very hard to do, but helps to build a quick emergency fund. I try every month to make sure my income is higher then whatever I spend. It’s very hard to do, but helps to build a quick emergency fund.

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