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Do 43 Frugal Things to Make or Save Money


 

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A Guide To Penny Pinching

www.libertymutual.com/Responsibility     Could Embracing A More Modest Lifestyle Make Us Better People?

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ladybirdfound the whole box of good clothes

it was among the other boxes in my bedroom that i quckly went trough with my sis, and discovered a whole big box of my own nice clothes that i forgot i own. wow now i have sth to wear (and a box to pack my winter clothes that i washed this weekend for the list time until next winter – but i think i will put them into vacuum bag for protection since it is mainly woll.) 1 month ago


ladybirdpicked up my bike from service

finally! and purchased mesh wire basket that mounts at the front, and is removable. and payed with cash and got 5% discount. now i can hop to green market and purchase fresh produce to cook that are not expensive. that will spare me lots of time by bike.
btw when i own the bike, i need to use it. it is repaired now and i had them put my anatomic seat that i already owned. 1 month ago


ladybirdlost weight and opened my "to small"clothes box

yay! my clothes fit me again! some of it brand new. no need to go shopping. i’m sorry for my cord trousers i gave away, i ment i would never ever fit into it, now i could use it.

i never understand those people in makeover shows that tell folks to get rid of to small clothes. so when they lose weight, they can treat themselves with new clothes. oh yeah!
well i treated myself with my own clothes and spared my wallet, double treat.

i’m very happy for not giving away my nickers, all brand new! (i purchased and gained weight soon afterwards.) i can’t beleive i can wear them. i only need to wash them since many years had passed by since. 6 months ago


ladybirdgo barefoot around the house and run barefoot

i had run bf only couple of times since it was too hot, but i diched slipers, flipflops and whatnot. my foothealth greatly improved.
now i need to figure out some gym footwear that is close to barefoot and affordable. i have found something but half size too small. 10 months ago


ladybirdrun out of toothpaste

this sounds too extreme, but i still brush and floss my teeth and i can see and feel no difference. i think when i run out of mouthwash that i will make my own, but will see that. 10 months ago


ladybirdpurchased summer dress on sale

it was so affordable and feels so good. it only needs some minor alterations that i can do on my own. but it is good this way, too.
not that i’m for cheap clothes, but i’m relativly close to my target weight so don’t want to invest into something i will wear only briefly. 10 months ago


ladybirdswitched diet

i switched from the SoyZone diet to Blood Type 0 diet. meaning, switched to protein sources that are noticeably more affordable. given up whole food groups (big savings) while introducing other food groups that are more affordable. 10 months ago


ladybirdpurchased swimsuit on sale

it is middle of the summer, and i like my new swimsuit very much! 10 months ago


ladybirdjoined library

this is totaly awesome 10 months ago


funchilde#20: Library vs. Amazon

I am joining a book group and I bought the last book and this time I checked and my library has this month’s book. Savings=$15.00 woot! 13 months ago


ladybirdpurchased used bike

i had an incident with my previous bike (that was brand new) so i prefere having an old bike. now i only need to start using it.
the other day i draw a rute to my work on endomondo (actualy used part of somebodys route that i saw there to draw mine) and discovered it is significantly shorter that one google proposed.
not that i seriously consider commuting, it seams as too much fuss, but one day, who knows? 14 months ago


ladybirdfree and discounted e-books

at amazon and other places there is plenty of free and very discounted e-books.
i’m still purchasing printed books, but only when there is no e version available.
and we also do not extend printed magazine subscriptions.
thinking of scannning my printed books but it is a LT project.

discovered callibre for organizing my e-library and like it very much. 14 months ago


ladybirdpurchasing single & good quality brand clothes and purses

i’m not that rich to buy cheep stuff!
my brand of choice – Benetton (since I’m tall) – is not that expensive, and when i purchase an item, i really have it and wear it for years!
...days of bargains and “good deals” with full rods and nothing to wear are long gone.
purchasing everything at single shop also means that everything i own goes well together; and i don’t spend at any other place, saves time & money. meaning even abroad, when i go shopping, i only go there. makes my shopping very simple. i also have only one shoe brand. 14 months ago


ladybirdcancelled all credit cards

i use only one that i have for free, only in special occasions and pay it in full.
(well, it’s been several years from than, and i’m still paying the loan for my credit card-bills-overdraft debth so i really learned my lession. yet loan itself has smaller interest than credit card and overdraft.)
i use my debit card for all my transactions, no overdraft any more, and getting balance via SMS daily really simplified my finances.
and collecting no free miles forces us to no trips we wouldn’t otherwise do, that leads to further savings.
(...although that huge shopping in Cologne was huge savings in itself, since all that goodies we purchased cost double here…) 14 months ago


ladybirdcanceled my banking account services i don't use

they charged me monthly for stuff i even’t dont use! so i canceled it, and instead took another service for a really small fee, and that is to SMS my balance to my phone at each change of balance. that way i allways aware of my balance. 14 months ago


ladybirdjoined sports club

joined sports club for a yearly fee and use their swimming lane in alloted time for free, and almost 50% discount for personal trainer. that way i have swimming pool acess and personal trainer for the price only 1 cup of coffee above i would otherwise pay for getting into pool. and since i don’t dink coffee at all, i joke that i get personal trainer for free! 14 months ago


ladybirdlady cup

this was really big savings. no more “feminine products”, and it feels so good. using it over a year. 14 months ago


ladybirdcut my own hair

i purchased quality scissors (for price of one haircut). my hair is long so i simply lean over, comb it thoroughly over my head and cut. that way it has layers. i lelarned how to do my bangs that are not just cut in a straight line (should do it more regular).
and besides, the only hairdresser i was satisfied with in my entire life, doesn’t work any more in that saloon (and i don’t know where she is now).
i also cut my SO hair (but he has long hair and allways has a ponnytail to it is easy) and he trims his beard by himself. 14 months ago


ladybirdno (sham)poo

it’s been several months now, my hair is totaly OK and my life so much easier! i simply use clear water and that’s it. sometimes baking soda and apple vinegar rinse. no need to strip everything from my scalp with some chemicals and than put another chemicals onto my hair to replace that was stripped away.
in my ‘poo days my hair was oily and tended to get dandruff. and it lacked volume. all of that is history. 14 months ago


ladybirdnatural cosmetics

i like honew face peeling. honew is natural antibiotics.
cocoa facial was also intresing. plaint cold pressed oil instead of body cream.
i rarely do those things, i should do that more often. 14 months ago


ladybirdcanceled public transportation monthly subscription

it become expensive, i calculated, and now i pay single ticket when i need one and that’s it. 14 months ago


ladybirdlunch bag

i discovered i don’t have to eat “lunch”, i can eat breakfast instead. i have cereals and protein powder and cinnamon at work so at leat i can eat these.
i also stashed my desk with cans for those day’s i don’t bring anything to work. i mix can of tuna fish in brine, with can of lentils, and season it with seasoning i keep at work. it works.
of course it is best to bring fresh fruit and veggies and some lean protein to work. 14 months ago


ladybird 14 months ago


funchilde#19: Car Insurance decrease

I’m cheating a bit b/c I didn’t actually DO anything, but my car insurance is going down by $10.00. 15 months ago


funchilde#18: The $5 Bill Saving Program

I read about this way that some folks were saving through non-traditional methods. This system basically calls for you to save every $5 bill you have. So I put mine in a big milk jar that I have. Its kind of fun too. 15 months ago


funchilde#17: Care Package slim down

I send out care packages to 8-10 nieces/nephews/mentees 3 or 4 times a year. I did their valentine’s day packages this week and I really downsized. I bought the small mailers and just gum and 3 bags of candy. I didn’t do cards, just notes on the back of one of my business cards. I used to do these huge mailers full of candy and goodies but..1. They don’t care, I think they are just happy to get something and 2. They don’t really care and 3. I’m tired of spending all that energy on a low impact activity and 4. It was a great/easy way to cut some $.

I probably saved at least $50.

Candy/Gum =$18
Postage = $20.19
Packaging = $6.44
Total spent=$44.63

In the past I would have easily spent $100. I am proud of myself on a couple of levels. 1. Getting better at knowing when “enough” is enough and 2. Being more deliberate about how I spend my time, money and energy and 3. Still being generous and toughtful and caring. 16 months ago


funchilde#16: Ordered Basic Checks

I have been ordering special design checks just because I like them, when I went to re-order today (who uses many checks nowadays anyway?), I realized the difference between basic check and specialty was $11.00! Guess which one I ordered. :-) 16 months ago


funchilde#15: Contested Personal Property Tax Bill

Saved me $14.84! 23 months ago


funchildeDitching the dryer

Lately I have been letting my outer garments air dry instead of putting them in the dryer. At first it was to prolong the longevity of my clothes, but I am digging using less electricity and fewer of those dryer sheets. 23 months ago


funchilde#14: Wants vs. Needs-Saved $184.00

I am motivated by wanting to a) buy a car that I am getting a GREAT deal on, but I want to pay cash and pay it off as fast as possible, b) I want to eliminate my consumer debt which isn’t much, but i’d like to have it complete by My 39th birthday and c) I want to relocate to DC by September 1st, 2012. I am trying to keep these things in mind as I pull out my cash and credit cards to accomplish these three goals.

1. I want a clothes drying rack ($20) but decided to keep doing what I’ve been doing and save that money! Savings: $20

2. I have needed new washcloths for a long while. I have company coming. I found 6 good quality for 3.99 vs. the 5.99 I thought I was going to have to pay. Savings: $2

3. I put back socks and tank tops that I wanted but don’t really need. Savings: $21

4. I bought the smaller appliance. Savings $110

5. I put the quilt back. Savings $29

6. At Walmart I got buy one, get one. Savings $2

7. At Dollar store I put back a book that looked interesting. Savings $1

Total savings today: $185.00 23 months ago


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