Five Easy and Painless (I Promise) Tips for Reducing Spending
by Maria Niles

Do not scoff when you are asked to write on a topic you swear up and down you know nothing about. It may be a message from the universe that you need to pay attention. I got one of those wake up calls when asked to post about tips for reducing expenses. I like to think that I've cut everything I can or will but now that I'm focusing on it, I've noticed all sorts of tips and tricks I've used, I could be using or I should be using more.

Overall my approach is to not eliminate anything that I'd like to keep in my life but rather to figure out how to do it for less. Here are some of my best tips for cutting spending while not feeling deprived.

I work from home so going to Starbucks or storing bottles of bottled water is less convenient for me so I use these evergreen expense-reducing techniques.

1. Filtered water instead of bottled. A couple of hints for this trick... stock up on glasses so you can pour a glass regardless of where you are in the dishes cleaning cycle. I have loads of inexpensive ones from Ikea. Why not get fancy while you're at it and make drinking your filtered water fun. If you are in the U.S., be sure to join the campaign started by Beth Terry of Fake Plastic Fish to convince manufacturers to provide recycling options for the filters.  Also, get a metal bottle for taking your filtered water on-the-go.   Sigg makes cute ones.  They even offer flasks if you want a durable dual purpose portable drinking implement.

2. Make your own coffee.  If you want to feel like you're in a little cafe why not use an individual French Press pot to brew the coffee.  Also, they have travel versions.  Again, cute cups make it feel like you're treating yourself not cutting expenses.  Another little trick I use is to add cinnamon so the coffee tastes special and it might help fight diabetes, to boot!

Although I don't use other tricks on a daily basis, when used, they've saved me a bundle.

3. Use Craigslist. When I moved to my current home I made great use of the online marketplace to sell and buy wisely. I didn't want to move my massive television so I researched selling prices for my TV and similar models, set a realistic price, sold the TV, took the cash, did some more research, combined some coupons I received in my change of address kit from the post office with a sale price on a floor model and threw in a dash of haggling and my new high-definition flat panel plasma was practically free!

Also, I'm a fan of mid-century modern style furniture. Instead of shopping the Design Within Reach catalog, I shopped craigslist and found several pieces for a fraction of the price. No renowned designer names but great pieces I love. I have to remind myself sometimes, though, to check craigslist or eBay before hitting the stores. A bit more work and waiting can often more than pay off in savings.

4. Make your own.
Recently I picked up a bottle of salad dressing that was on super-sale for 99 cents. It was a waste of a dollar since it was a flavorless, inedible glue-like substance. I remembered when I tasted it that salad dressing is incredibly easy to make, is fabulously delicious and can cost very little. I've twice had people request that I give them homemade salad dressing as a gift after they've tasted it on a salad at my home. In both cases I've used recipes but play around with mixing favorite oils and vinegars, throw in mustards if you'd like, herbs, salt and pepper. Start with a 3-1 vinegar to oil blend and adjust to taste. Shake it up in a jar and your taste buds and wallet will thank you. And, whenever you grab something for pre-made convenience, think about easy ways you can make your own version which can often be tastier and cheaper.

5. Wear knock offs.
In the 80's I went through a cheap Chanel phase. I had several outfits that channeled Coco without paying more than $15 a piece. This article on "recession chic" points out that rather than spending hundreds on a designer bag you can get something from the designer knocking themselves off at Target. Keep an eye on Trisha Okubo's Friday Fashion Week in Review here at BlogHer for links to designer looks for less which she often features.

Good luck in being smartly frugal while staying fabulous!

Related Reading:

Blunt Money 101 ways to reduce your spending and keep more of your money

Xin Lu at WiseBread Five calls you can make now to save hundreds to thousands of dollars

Debbie Dragon at Destroy Debt 76 Ways to Save Money While Saving the Environment

Pinyo at Moolanomy Frugalist Expense Reduction Guide

WikiHow How to Reduce Expenses

Consumer Credit Counseling Service of South Texas Your Family Budget: Cutting 10% from your already stretched budget

Michael Winerip at the New York Times Clipping Coupons to Put Food on the Table

Dawniemom at BlogHer How we 5 live on 1 paycheck

Carmen Wong Ulrich at iVillage Beehive We've Slashed Our Expenses, Now What?

Julie D. Andrews at Shape Healthy Finances: Recession-Proof Your Life


BlogHer CE Maria Niles keeps it fabulous and fancy at her personal blogs PopConsumer and BeyondHelp

Comments

 

One of the smartest moves I

One of the smartest moves I made was to start eating a simpler diet, and that included making my own salad dressing.  I became interested in "simple food" after reading The Art of Simple Food by Alice Waters. Not only does it taste better and is healthier, it's much cheaper, too.

I invested in a CSA (community supported agriculture) share. I get great seasonal produce, support a local farmer and get some exercise because I pick my own. I recommend CSAs and farmers markets for saving money, too.

 

CSAs

CSAs are a great way to get incredibly delicious produce. I still haven't found a way to make it work for me as a single person - it's always too much for me. But I'm lucky to have lots of farmer's markets around and a great green grocer.

But hats off to you for picking your own. I've done it once when visiting a friend working for a summer on a farm. I learned that I am far too much of a diva ;)

 

We make a lot of salad dressing here

We still buy some from a local chain that makes really good salad dressing (with totally pronouncable and recognizable ingredients). But our two favourites around here are both homemade.

And I love my Sigg water bottle. It was more money upfront than I was used to paying for a water bottle but totally worth it.

We bought our dining room set second-hand through a local used furniture set. We got a nice wood set, including a hutch, for less than we'd pay for the hutch new.

Sassymonkey and Sassymonkey Reads.

 

Used furniture rocks

There seems to be enough people who are redecorating or moving to keep the market well stocked with great choices in good condition. I love that my pieces are unique and have character.

Congrats on your great finds!

 

You are absolutely right about the salad
dressing

I started making it out of necessity -- my oldest son is allergic to egg and garlic, which means it's virtually impossible to find a commercial brand except for one balsamic vinegar-raspberry blend he's sworn to hate until the day he dies.

And now I don't think I'd go back if I could. Homemade is so simple and so much better. And so lacking in crud you find in commercial.

Another thing I do a lot: Buy the biggest package I will reasonably use in a decade, particularly on meat and cheese. It was hard to sell the husband on this at first, but now he sees how to stretch a roasted chicken for several meals, plus freeze the scrumbles for use in soup later.

Debra Legg
9to5to9

 

Another good reason

to make your own. Not only is it tastier it can be customized to your taste buds and can be healthier.

And, for a family, buying in large quantities is a terrific suggestion. Thanks for the tip! Though I can't take advantage of this option as a single person with limited storage and mini- appliances, it just forces me to get creative :)

 

Doing most of these

As a sole parent with no financial support except for what I make from my part-time job I've had to be frugal. 

I find that if I do buy salad dressings that they go off before I can finish them. It's dead easy to make them. I also buy my fresh produce at the local farmer's market. It's cheaper than at the supermarket and it lasts longer. I even buy our milk there and it's $1 cheaper per 2 litres than the supermarket.

I'm also a big shopper at the local op shop (thrift store) for many of mine and my son's clothes.

I keep forgetting about E-bay and the craigslist type options though. Thanks for these.

Jen at Semantically driven and Safari suit

 

Forced frugality

Thanks, Jen, for sharing your tips.

My mother raised three kids single, on a school teacher's salary. She is the queen of ninja bargain shopping and I appreciate the frugal skills she taught me out of necessity. I bet your son will appreciate the lessons you are teaching him by example, as well.

 

Childrens' clothes on the cheap

Dressing kids gets really expensive, I agree.  Another great place to try is Once Upon a Child, which is a second-hand clothes store for children. 

Many times, you'll find brand new clothes with tags on them, because the kids outgrew them before they had a chance to wear them.  The other day, a friend of mine picked up a great, high-end winter coat for her daughter for $3!

It's also a good place to make a little extra cash by selling them your good condition baby and kids' items such as cribs, strollers, toys and of course, clothes.   I was able to do this with my son's bassinet and baby swing.

To see if they have a Once Upon a Child in your area, try www.ouac.com.  Good luck!

Kristin, author of the Turbo-Mom's Guide to Saving Money without Wasting Time (Aji Publishing, 2009).  www.turbo-mom.com/blog

 

kids tips

This is great information for parents, Kristin. I would imagine that other than Aunties looking for gift ideas, it just doesn't make a lot of sense to constantly buy new clothing for growing children. It's great that there are more and more of these options for parents.

 

Good for the Pocketbook & Enviroment

For me, ditching the Starbucks was a huge cost and time saver.  I make my coffee at home and it tastes exactly the same and by using a thermal cup over and over again - it's good for the environment too.

All the things you've listed above are also ways that all of us can help reduce our consumption which is always a positive for the planet! 

 

Love it when "Green" and "Frugal" get
together!

Great tips.  And most of them are green as well as frugal.

Thanks for mentioning the Take Back The Filter campaign.  I'm about to post an update tonight!

Beth Terry http://www.fakeplasticfish.com

 

Thanks Giyen & Beth

I did not set out to specifically list "green" tips but thanks for noticing. I guess it is an example of how living environmentally-friendly is increasingly becoming just how we roll ;)

 

Great Tips

I'm always looking for ways to save and I really enjoyed reading your tips.  They are simple things that you can change that will end up saving you a bunch of money in the long run. :)

"Never, Never, Never give up." ~ Winston Churchill

 

the long run

Great point - it's good to keep in mind the total view of savings. It's not just about getting 50% off today, it can be about saving hundreds or thousands over time.

 

Since I cook for a living, I

Since I cook for a living, I make salad dressing but also make mayonnaise using a stick blender.  People who hate mayonnaise don't hate flavorful homemade mayonnaise!  Every time it can be different.

I don't wear knockoffs.  At least I don't wear counterfeits because I think it's stealing.  Inspired by is not the same as fake.  What I do do is look at the collections for impressions and then buy pieces I can combine to achieve the impressions I liked.  

Our financial bugaboos here are more energy oriented because energy is much more expensive here.  Do not leave electronics in "ready" condition, but turn them completely off or unplug them when not using them.  Each TV can thus save you euro 30 here per year.  Printers, dvd, stereos all can save you money by being turned off.

Make errand lists so that each trip to one shop can accomplish everything else on that route or near it.  We were recently paying about US $8 per gallon for gas and this really counted.  Lists keep you from running from one side of town to the other and also prevent those oops moments when you are ready to cook supper.  I don't allow those.  If I forgot something, I have to do without it and make something else.  After a while I stopped making those errors!

 

 

 

http://www.judithgreenwood.com/thinkonit/

 

Very good point, Judith

Thanks for pointing out counterfeits. I should clarify that when I say knock-offs I mean the inspired by variety. Like in my Chanel phase it wasn't about finding fakes with Chanel logos 'cause that's illegal. It was more about things like piling on fake pearls and cheap chains over knit jackets.

Thanks also for the additional tips - all really good and useful! Learning to make my own mayonnaise is a goal. You are right that good homemade can make a believer out of even the biggest critic (like me) but even with good mayo I rarely eat it so someday...

 

some added thoughts

1. Buy a freezer and keep it filled with bargain buys and with veggies gotten nd frozen in the summer. I bought a 9 cubic foot freezer this year when my state had a no-sales-tax-weekend. I've been stocking it since with farm-stand goodies purchased in quantity.

2. Home made soup -- easy, nutritious, lower sodium, tastier than canned.

3. leftover veggies? odds and ends of fresh veggies in the fridge? Boil them all together, and freeze them and use them later for soup stock.

4. Upscale thrift shops - and even the traditional ones... don't be proud -- see it as a treasure hunt.

5. Ebay -- check there before you check the stores.

6 *** FREECYCLE!!! **** Here is what the site says:
The Freecycle Network™ is made up of 4,618 groups with 6,024,000 members across the globe. It's a grassroots and entirely nonprofit movement of people who are giving (& getting) stuff for free in their own towns. It's all about reuse and keeping good stuff out of landfills. Each local group is moderated by a local volunteer (them's good people). Membership is free. To sign up, find your community by entering it into the search box above or by clicking on “Browse Groups” above the search box. Have fun!

I love Freecycle. My beloved rescue dog, Zoe, came to me through Freecycle..purebred, adorable, free. Mostly, they offer merchandise, however -- I swear, wait long enough and you could furnish a whole house.
-- ~~ Contributing Editor, Mata H. also blogs right along at Time's Fool

 

Great additions

These are all excellent tips, Mata, thank you.

I wish I had the room for a freezer - when I buy a house again, perhaps. But terrific if you have the space. And I strongly second the soup suggestion. It is stunningly easy to make soup and a fantastic way to make delicious meals out of what you have on hand or can get a deal on.

I think possibly Sarah Palin's greatest contribution to our collective consciousness has been extolling the virtues of the consignment shop. Truly no shame in that game.

And getting better acquainted with Freecycle is on my to-do list. Glad to hear you've had such wonderful experiences.

 

Turn off cable and turn on life

In an effort to reduce spending and increase efficiency, I recently (gulp) cancelled my monthly cable service. And I must admit, it was one of the greatest things I could have done for myself. I am reading, writing and living life much more in just a few weeks. And, instead of sitting aimlessly in front of the televesion watching trash tv, I log on to my laptop to watch only my favorite shows. It's a great way to shave the financial fat and open up a world of new possibility.

 

A virtuous suggestion

And I admire anyone who goes this route. However, it will not be me, sadly. I'm an addict and in fact I just added Showtime to my bill so I can watch Dexter and not have to wait for the episodes to show up on iTunes at the end of the season :)

I have to say, you make the alternative sound appealing - thanks for sharing your experience.

 

I turned off the cable, too

I recently cut my cable, too, in order to reduce spending.  I was really apprehensive about doing it because I had cable for so long, but now I'm glad I did. The savings is great, I spend a lot more time reading and writing and less time is wasted mindlessly watching junk.  The few shows I watch I can either catch online or via Netflix.  

Deborah Johnson

A Writer's Voice: http://litchick73.blogspot.com/

 

Digging for Free Stuff Online

This is kind of a different outlook on frugality, but check online for easy sweepstakes and contest. Most are done with little to no effort. Saw some postings about not wearing knock off items and you can always find designer giveaways online. Did a search online for designer bag contests. Ended up finding a site giving away Burberry bags and you don't have to give up any info. You can go to all kinds of online sweepstakes site to score free stuff, but search "Burberry contest" and see what I mean.

 

And how much do you really

And how much do you really need? Food, mostly vegetables, some fish, meat once a week, water, a walk, a library, basic clothing, heating, a room of your own? A monastery might be a good role model for what's necessary.

 

Wildflowers and snowballs are free!!

 

Fewer needs

While my dog was sick the living room became my bedroom and I realized that if really necessary I could live in one room plus a bathroom. Kind of like a dorm, perhaps. TV, internet, mini-fridge, microwave, hot plate and a sofa and I'd be set. Until I went stir crazy that is - maybe if I just had one of those Kindles sassymonkey was telling us about ;)

 

People are saving money with them too

People who predominantly read books that they buy (versus borrowing/library) are saving money with the Kindle and other ebook readers because ebooks tend to be quite a bit cheaper than their paper cousins. And they cut down on clutter!

But so does using the library and it doesn't have a big upfront cost. ;-)

Sassymonkey and Sassymonkey Reads.

 

Oooh! Mata H reminds me of another one

Seal-A-Meal is my friend!

I'm too sloppy to get it to work with sauces -- I can those now -- but it's great for those big hunks of cheese I buy plus leftovers. Especially the little dabs that aren't enough to do anything with. I Seal-A-Meal 'em and pull them out later for some of that easy, nutritious soup Mata H was talking about or a casserole. I rarely throw food away when I'm diligent about doing this. I just have to get back to being diligent.

Debra Legg
9to5to9

 

Seal-a-Meal

Great addition, Debra. My mom did a lot of vacuum sealing back in the day and I had forgotten about that option. I've seen some new tools advertised so I'll have to pick one up and give it a try. It's hard to cook single serve portions all the time and sealing up leftovers would probably work well.

Thanks for the reminder!

 

I actually did a variation of this when I was
single, Maria

Didn't have Seal-A-Meal then, but I'd make a huge lasagna or manicotti or something that froze well and then piece it out into Tupperware. I like Seal-A-Meal better, though: Less freezer burn. The bags are reusable unless they're used for raw meat or poultry, so that eases my guilty green conscience a bit.

Debra Legg
9to5to9

 

3 month commitment to buy nothing new

Starting tomorrow, my husband and I are going to try to buy nothing new for 3 months (except for groceries). A friend of ours did this awhile back and back then I thought she was a little crazy, but with 2 kids and a newfound necessity to cut back on expenses, we're going to be trying this. I'm actually kind of excited to scope out our local second-hand shops, craigslist, freecycle and the like. i kind of assume that we'll end up with less unecessary purchases overall. I admit, however, it helps that we bought the kids' Christmas presents early this year. :)

We're also a no cable household as well and we've tried to stop eating out except perhaps once or twice a month. We've been using filtered water for awhile now too. Coffee shops, however, are our big indulgence that we're finding hard to part with.

I really like the salad dressing idea. Thanks Maria.

Nina Moon

http://charlieandnina.com