Whats your secrets to saving money?

Merri - posted on 05/22/2009 ( 20 moms have responded )

1

0

0

Leave me tips and tricks so I can pass this on..

MOST HELPFUL POSTS

Christina - posted on 05/22/2009

89

14

22

one of the thins we do to save money is we take a step back and say do we realy need this. My hubby and I have never had credit cards...if we don't have cash we don't buy it. we just added a 44x 12 (two-story) addition to our home. the morgage is 400 a month, for 10 yrs. we will have it payed off in 5....taking it out for the longer period, when we knew we would pay it off early, lower interest rates.

Also when I do the mothly grocery shopping, I plan out the meals ahead of time, say meatloaf twice that month(family favorite) pasta ect and then figure out how much pasta we need to feed our family, I can feed a family of 11 for right around 450 a month, the younger one are on WIC so I never have to buy milk, eggs and very seldom cereal and then it is usually store brand. there are only two name brand items that I HAVE TOO BUY Heinz Ketchup and Cambell's tomato soup. the rest is either gerenic or store brand. we have the room so we always have a large garden...freezing and canning our produce...can not tell you the last time I bought I jar of spaghetti sauce. For about 8 dollars I can make 16 quarts of sauce....has so much more flavor the store bought.

Get to know a local farmer...can Get a good price on beef and pork that way, and you know that it is not feed antibotics and steriod. A side of beef runs us about 350-450 dollars and that will fill my deep freeze and feed us for a whole year.

you have to do comparative shopping too. when the department stores have the end of the season clearances stock up...if by chance it doesn't fit some one the next year you are not out a whole lot and you can donate....my kids do wear hand me down and are as addited to yard sale as me LOL...they like going looking for what they call treasures..."new clothes and toys" to them and at a fraction of the cost.

Rebekah - posted on 05/22/2009

163

12

26

First, look at your monthly income and expenses and decide what a reasonable amount to save would be. Have that amount deducted from your check automatically and put into savings. Then, when you look at your balance it will seem like there's less and you won't want to spend.

Then, when you're shopping, everything you put into the cart, ask yourself "do I really need this?" If you don't or can make do with something else then don't buy it. Clip coupons for things you already plan to buy, like diapers, cleaning products, groceries. Read the fliers for what's on special for the week and stock up IF you NEED or will use those items. (Yesterday I saved $17 with coupons and $12 on sale items). Don't buy things just because they're on sale. And remember to check other similar items on the shelf, sometimes the store brand is still cheaper than the brand item on sale. I almost never pay full price for clothes; I just bypass the regular displays and check the clearance racks at department or clothing stores. If you really want to cut back, look at your eating habits as well and don't eat at restaurants or get coffee out as much, if those are things you do, or look at your groceries and buy fewer convenience items, which cost a lot more. For example, you can buy the ingredients for mac and cheese for much less than a box of mix. It doesn't take much longer and it's tastier too!

Jennifer - posted on 05/22/2009

3

21

0

Stay home! It won't cost a thing. All kidding aside, well partial kidding, try generics. Not all of them are bad and I have found some even better than their brand name counterpart. Also, keep the change. I keep an old Large jar under my counter and empty my pockets of change into it everyday. After a while you need to cash it in and you will be surprized at how much you can save in the jar. We have bought tires, special nights out for dinner, and the kids did this as well and bought bikes, and their own PS2s twice.

20 Comments

View replies by

Yupawadee(Bird) - posted on 05/22/2009

68

31

4

my kids are probs a bit older than yours but between them they have lots of games consloes and computer things, I make them sort out the ones they dont need or use anymore and sell them back to the shop and trade in. Charity shops and car boot/yard sales are great ways to pick up bargains.

a few weeks ago we wanted to buy a rotavator so we didnt do a weekly shop that week instead using up all the tins and frozen foods and created some interesting dishes, it was actually quite fun! amazing what you actually have in cupboards and herb garden!

When my kids were little I signe dup for all the baby clubs and even got my parents and siblings to sign up and they gave me the vouchers! slightly scamming the system but it works and saves you money. dont go mad buying stuff for babies and kids they are usually very happy with a cardboard box and paper.



I heard also of a thing called freecycle where you basically swop things with other people for free, like recycling

Shelagh - posted on 05/22/2009

312

0

19

We used to always have a Chinese takeaway on a Friday night - until I worked out that we could have T-bone steak with salad and a bottle of wine for half the price! Don't get sucked into buying expensive trainers, designer jeans and so on - I explained to my kids that if I bought them the expensive ones, I'd have to get cross if they got dirty etc, but if I bought the cheap ones they could get them muddy and I wouldn't mind. Every couple of months go through your bank statement and work out where the big expenditure is - can you reduce it?

[deleted account]

Quoting Christina:

one of the thins we do to save money is we take a step back and say do we realy need this. My hubby and I have never had credit cards...if we don't have cash we don't buy it. we just added a 44x 12 (two-story) addition to our home. the morgage is 400 a month, for 10 yrs. we will have it payed off in 5....taking it out for the longer period, when we knew we would pay it off early, lower interest rates.
Also when I do the mothly grocery shopping, I plan out the meals ahead of time, say meatloaf twice that month(family favorite) pasta ect and then figure out how much pasta we need to feed our family, I can feed a family of 11 for right around 450 a month, the younger one are on WIC so I never have to buy milk, eggs and very seldom cereal and then it is usually store brand. there are only two name brand items that I HAVE TOO BUY Heinz Ketchup and Cambell's tomato soup. the rest is either gerenic or store brand. we have the room so we always have a large garden...freezing and canning our produce...can not tell you the last time I bought I jar of spaghetti sauce. For about 8 dollars I can make 16 quarts of sauce....has so much more flavor the store bought.
Get to know a local farmer...can Get a good price on beef and pork that way, and you know that it is not feed antibotics and steriod. A side of beef runs us about 350-450 dollars and that will fill my deep freeze and feed us for a whole year.
you have to do comparative shopping too. when the department stores have the end of the season clearances stock up...if by chance it doesn't fit some one the next year you are not out a whole lot and you can donate....my kids do wear hand me down and are as addited to yard sale as me LOL...they like going looking for what they call treasures..."new clothes and toys" to them and at a fraction of the cost.



Stands up and applaudes!

[deleted account]

Quoting Christina:

one of the thins we do to save money is we take a step back and say do we realy need this. My hubby and I have never had credit cards...if we don't have cash we don't buy it. we just added a 44x 12 (two-story) addition to our home. the morgage is 400 a month, for 10 yrs. we will have it payed off in 5....taking it out for the longer period, when we knew we would pay it off early, lower interest rates.
Also when I do the mothly grocery shopping, I plan out the meals ahead of time, say meatloaf twice that month(family favorite) pasta ect and then figure out how much pasta we need to feed our family, I can feed a family of 11 for right around 450 a month, the younger one are on WIC so I never have to buy milk, eggs and very seldom cereal and then it is usually store brand. there are only two name brand items that I HAVE TOO BUY Heinz Ketchup and Cambell's tomato soup. the rest is either gerenic or store brand. we have the room so we always have a large garden...freezing and canning our produce...can not tell you the last time I bought I jar of spaghetti sauce. For about 8 dollars I can make 16 quarts of sauce....has so much more flavor the store bought.
Get to know a local farmer...can Get a good price on beef and pork that way, and you know that it is not feed antibotics and steriod. A side of beef runs us about 350-450 dollars and that will fill my deep freeze and feed us for a whole year.
you have to do comparative shopping too. when the department stores have the end of the season clearances stock up...if by chance it doesn't fit some one the next year you are not out a whole lot and you can donate....my kids do wear hand me down and are as addited to yard sale as me LOL...they like going looking for what they call treasures..."new clothes and toys" to them and at a fraction of the cost.



Stands up and applaudes!

Veronica - posted on 05/22/2009

1

12

0

because I work and I have three children I get the bank to Automatically take money out of my Account every week or fourtnight even monthly it can be $10,20,30 etc...I've saved $200 in a month for them for the show so in August when its time to bye their show bags I wont have to worry about the next day...oh! and its fine to go into hock shops you'll find some great things in there too never get shy to into lifeline or salvo's their there to help Pepole & familys out with needs no matter how big or small...cheers : )

[deleted account]

I buy a lot of generic products and stick to my shopping list, not on the list I don't buy it. Clip coupons. I accepted a lot of hand me downs and are passing them on as my son outgrows them. I also make my own baby food. We don't eat out as often and instead of going somewhere that cost money, we'll take a walk in a local park, stay home and play games, or get together with friends

Julie - posted on 05/22/2009

126

21

7

I know this is not always possible (with work, medical issues, etc), but breastfeeding has saved me SO much time and money. It's awesome to be able to go right past the formula in the baby aisle, and not have to buy bottles, nipples, sterilising fluid, etc, etc.

Also cloth diapers, but in particular, I found a company online called Baby Beehinds that make all-in-one super-soft diapers that snap or velcro together like disposables, so you don't have to buy pilchers and worry about safety pins or folding. They also make them in one size fits all so once you buy say 25 of them, you'll never have to worry about running out or shelling out for more!

Audra - posted on 05/22/2009

7

10

0

apply for WIC www.fns.usda.gov/wic/ you can get free formula, juice, cheese, and other groceries

Michelle - posted on 05/22/2009

7

17

1

I switched where I buy most of my groceries to Aldi I even buy their nappies & wipes for my bub & they've been fantastic they've never leaked or caused any irritation and excellent value for money. My little boy is in crawler nappies at the moment & you get 56 nappies for about $17 which you can't compare to Huggies or other similar brands. I shop around for who has formulae on special and only buy certain things from Coles or Woolies that I can't get at Aldi. Also I wait untill shops are having their end of season clothing sales to buy most of my baby clothes & work out roughly what size I'll need to get from growth charts for my son next time that season comes around. You can save heaps by doing this as most things at end of season sales are marked well bellow half price.

Danielle - posted on 05/22/2009

5

6

0

I use www.thegrocerygame.com It is a website that use the sale flyers combined with coupons. Check it out. I think it is worth it!

Rebecca - posted on 05/22/2009

282

38

8

I switched where I buy all my everyday household cleaning and personal care items. I used to buy them from like Walmart, Target the grocery. I switched stores and save a lot of money on these items. They are a better value and a safer products.

www.CleanerGreenerHomes.com

Rebecca - posted on 05/22/2009

282

38

8

I switched where I buy all my everyday household cleaning and personal care items. I used to buy them from like Walmart, Target the grocery. I switched stores and save a lot of money on these items. They are a better value and a safer products.

www.CleanerGreenerHomes.com

Helen - posted on 05/22/2009

445

1

24

readily accept any hand me downs -even if you don't like them- and put them at the bottom of the draw so that when your little one is eating beetroot, chocolate etc you can just pop that hideous top ove his clothes and save the ones that you do like from being ruined. also when nappies are on offer buy in bulk

Leanne - posted on 05/22/2009

75

35

12

I have joined things like boots parenting club and toys r us baby club so i get a lot of money off offers

Join Circle of Moms

Sign up for Circle of Moms and be a part of this community! Membership is just one click away.

Join Circle of Moms