1. Make a budget (depending on how many times you get paid per month) for each pay period, and stick to it.
2. Save ALL receipts and go over ones from previous months seeing where you did any unnecessary spending.
3. Keep a spending log/journal/spreadsheet.
4. Cook meals at home- Eat out less often.
5. Do you really need that cell phone?
6. Scale down your cable/satellite dish package, or go without it.
7. Learn how to coupon, and combine coupons with sales.
8. Make your own household cleaners. (Less toxic, and better for the environment too!)
9. Recycle.
10. Buy things used.
11. Pay cash for items- Don’t use credit.
12. ALWAYS make sure to have an emergency savings account.
13. Turn off/unplug any appliances when not in use.
14. Wash laundry on cold.
15. Line dry your laundry.
16. Bake your own bread (This one saves us a lot of money).
17. Trade old clothes with friends; You get “new” clothes as do they, without paying anything!
18. Make a menu for all meals. Buy only what you need, after taking an inventory of your pantry/fridge/freezer.
19. Make homemade presents for family members during Christmastime and other Holidays.
20. Do more activities at home with the family rather than going out and spending money. Making a homemade pizza, watching movies, and playing board games is always a hit.
21. Make lunch at home.
22. Make coffee at home and take it with you in a travel mug.
23. Don’t purchase processed foods. Buy fresh, and prepare at home.
24. Invest in a good water filtration system (reverse-osmosis is ideal).
25. Join a babysitting co-op.
26. Join a SCA co-op for in-season fruits and veggies.
27. Search for freebies and samples of items you would like.
28. Work from home.
To be continued…









