7 painless ways to save money

The idea of starting a savings regime can be daunting, but there are easy ways to trim spending from your budget.

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Jan 18, 2014 9:46AM
I save $$$ by no fast foods, no Cable TV and not celebrating every Holiday with cash. You can also save by cooking larger meals that are cheaper but last a few days as leftovers. It works for me and my family.
Jan 18, 2014 2:57PM
hmmm I love how they tell you to get rid of cable, dish network ect. for Netflix and Hulu Plus, which is great but then they say slower internet, hmm guess they failed to realize with out a good internet speed, Netflix and Hulu won't work!!!
Jan 18, 2014 9:11AM
It's very simple, Waste not, Want not.
Jan 18, 2014 11:28AM
To Mr. DroppedOut I agree! People are like little sheep following the poop that advertisers put out. Technology is way over rated just gives people an excuse to be rude and a false sense of superiority. If everybody would go back to the old ways in a lot of areas they would be better off.
Jan 18, 2014 1:04PM
shop only at resale shops: I got a like-new down winter coat for $3. (just one example). NO eating out. I carry drinks & food from home for if I get hungry on the road. In a pinch, many fast food places have excellent one-dollar menus and one of those items will stave off hunger till you get home. NO frivolities: cable TV, caller ID and other "extras" on the phone, no computer (it is FREE to use at the library and they take care of all maintenance and upgrades). Buy groceries, vitamins, supplements ONLY on sale, such as Buy One Get One Free and then stock up. Keep thermostat turned down; put on a sweater if you're cold! To minimize gasoline use, plan all errands for one day of running around and plan a route that runs less miles. TRADE. It doesn't hurt to ask if someone is willing to trade services rather than take cash. I live pretty well on a below-poverty income. It can be done. Perhaps a little less self- indulgence is required.
Jan 31, 2014 1:49PM

Too many low income people are more concerned about looking well off rather than being well off.

Jan 31, 2014 10:28AM
I carpool to work with my hubby. We arrange all of our errands for one day on the weekend since I work a second job, we have to. I cannot go cold in the house, but in the summer the air doesn't go below 80. We both take our lunches to work. I take my breakfast, too and my ice tea. As soon as we can get out of our cell phone contract we're going to prepaid phones only. I don't need a data plan or texting, just have a phone in case of an emergency. Still, it is very hard to save very much, but we try.
Jan 18, 2014 11:38AM
I truly believe in the tithe, and the good 'ole' snowball effect method that Dave Ramsey teaches. Through the years, I have at times been faithful to the tithe and at times not. It is amazing when you follow the tithe and literally somehow(somehow? somehow by the grace of God!) your bills get paid. Then, when you add wanting to get out of debt... I never thought it could happen so quickly... but in two and a half years, I was truly out of debt with both the tithe and the 'envelope system' working hand in hand. Six years later, I have fallen back into my old patterns, because this time, my financial crisis has driven me to use credit cards again. Very different reasons this time; more often than not to buy food or to pay rent... However, it does not matter if one believes in Church and God and tithing! HE will take care of you tenfold. So, for me, and I hope for all of you, I'm going back to the good 'ole' snowball effect, the envelope system, TITHE ... BELIEVE... Dave Ramsey Here I Come!!!
Jan 18, 2014 12:25PM
stop giving presents. they don't love you any more or less if you don't give a gift.
Jan 18, 2014 10:02AM
The list of things to save on has cell phones, cable, internet - three things most of us did perfectly fine with just 20 years or less ago. Have any of the three really made life better? Or just busier and more cluttered, with more noise, distractions and demands on us, and in the process less personal, and we've largely deluded ourselves into thinking our lives have really improved? I also find the advice somewhat humorous. On the one hand we are a consumer society and its largely the stuff they are telling you to cut back on that have become the "new" industries. So what are the sheep to do - save save save, or spend spend spend? On the investment fee issue you have an entire industry in serious need for a change. It isn't just mutual funds that are actively managed that you get to pay for underperforming cheaper ETFs and indexes, but most brokerages and advisors engaging in stock picking add costs that, when netted out, fail to outperform a diversified portfolio holding ETFs and low cost funds and some solid stocks. Fee based advisors to steer you in the right direction is really what many ordinary people lucky enough to have investments need, but finding them is near impossible, and doing it the old fashioned way costs too much.
Jan 31, 2014 11:23AM
What always amazes me is that when people buy something on sale, they think they "saved" money.  You paid less if it was something you were going to buy anyway, even at the full price, but you still spent money.  If you bought it only because of the hype of the sale price, and would not have bought it at full price, you SPENT even more money; you did not SAVE money.  The only "real" money saved is the money not spent.
Jan 31, 2014 11:46AM

I voted no on school levies.

District where I live wants $750 Million in new property taxes to build 4 new schools and renovate 2 others.

Kids cant read their own diplomas but teachers need their own private bathrooms.  More like lounges.

Jan 31, 2014 10:56AM
I have an easy way to save money, stop spending money on stupid sh*t and only buy what you can afford.  You will save a lot of money.
Jan 31, 2014 1:29AM
I just love these lists; they;re so very helpful.  Like 'take freebies' and 'audit your investments'.  Duh!  They rank right up there with 'move away in the middle of the night and don't tell the kids.
Jan 31, 2014 12:52AM

Earlier, it was, "What not to buy at a Dollar Store."  A bit later it will be, "What not to buy at a Las Vegas brothel."

Jan 31, 2014 9:44AM

This one is silly, but it works:

Every US dollar bill has a letter on the left side that denotes where the bill was printed (B = New York, L = San Francisco, etc.). Pick a letter (maybe not B because there are a LOT of those) and every time you get a dollar bill with your chosen letter, put it away. After a few months you'll be surprised at the little pile if cash you'll have. Not enough to retire but enough for a meal out or something like that.

Jan 31, 2014 10:19AM
Garage sales.
It will let you and your wife/other get your shopping ya ya's without over spending.
Plus there's actually a lot of good stuff at giveaway prices.

Jan 31, 2014 12:32PM
Take "stock" in/of yourself - you are the most valuable and important investment you can ever make!!!  This "stock" is tangible, it malleable, and controllable - how many stocks on Wall Street can make that claim?
Jan 31, 2014 10:17AM

So it appears that in Italy you are tried for a crime repeatedly until

found guilty

Logic that defies explanation.

I'll stay right here in the USA thank you.

Jan 31, 2014 1:32PM
Cable drains people at least $2500 annually. Which I find as extortion because who really can watch a thousand channels when you have a 9-5. Better yet why pay for what you don't watch. Tv is dumbing down our kids.
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