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I have a savings account, and money goes in every time I get paid. Over time, I've increased the amount I deposit. The real trick is to save more than you think you can. After saving for years but not having as much as I thought I should, I challenged myself to save a certain amount from every paycheck - no matter what.
I learned from the government shutdown that a sudden pay loss can be crippling to a family. When the dust settled and the paychecks resumed I bought a gift card from the grocery stores I frequent. Each week I add $10 to one of them. Should an emergency occur, I have some back up to be able to feed my family.
If you go to the grocery store you may notice the cheapest way to buy a potato is in a ten pound bag. A slightly more expensive way is one by one. If you buy them frozen like fries or hash browns they become more expensive still. The more processed a food item gets the more $$ per pound you pay. The most expensive way to buy a potato? Probably a potato chip - so save money by buying the least processed
Shop late on the last day of the sale week, when sale items are likely to be in short supply. Buy all remaining packages of what you want, then go to customer service and get a raincheck., so you can buy again when the item is NOT on sale. Also, late in the day, you are more likely to find distressed packages which are - or can be - marked way down. I can get as much as 80-85% OFF by ASKING for it. They'd be throwing the package away within hours!
I never give exact change. I might dole out the pennies to only get silver coins back, but never any more than that. Every couple of days or so, I transfer the change from my purse to an opaque jar on my shelf, and when it gets too full, I roll the change and put it in a box in the closet. When vacation time rolls around, this becomes my spending money, and by saving all my change for a year, I end up with $300-$500 bucks I didn't even feel like I was saving.
I got a pre payed phone T-Mobil loaded with 100 $ for the year(1000 min.)I can text or call even international .If I need more min. I add more. I do not have a cell bill monthly in the last 3 years and don't missed.
A metal cupcake pan bottom of stainless kitchen sink...put a few tea lights in pan. Space candles as needed.
Bottled water is so expensive. The tap water is safe to drink in almost all areas of the country. (Check the government reports on your local water tests). I keep a jug of tap water in the refrigerator so it's always cold and I use lots of ice. I always carry a refillable plastic bottle of ice water whenever I step foot out of the house. Water is included with our rent, so I'm saving "buckets" of money by drinking tap water instead of bottled water.