Ways to Save $$$

1. Plan out a weekly menu
2. Watch for the grocery ads/sales and use coupons
3. Buy and cook in bulk - freeze part for another meal
4. Stay away from restaurants and fast food places - their prices are rising and the portions are becoming smaller
5. Stop using your your credit cards - pay in cash or use your debit card
6. Ask your utility companies to average your bills
7. Don't buy what you do not NEED. If you self sooth by shopping, learn to ask 'do I need it or is it nice?'. If it's 'nice', don't buy it or return it.
8. Turn off lights and appliances when not in use
9. Have garage sale - all the 'junk' and outgrown clothes can be cleared out and sold - and this is not reportable income (usually - consult your tax advisor if in doubt).
10. Grow a vegetable garden - it's cheaper, more nutritious and delicious and gives you plenty of fresh air and sunshine.
11. Trim the entertainment - instead of going to the movies, swap DVDs and videos with the neighbors. Have a movie night at home and pop your own popcorn.
12. Have a family night - now you have time to do fun things like crafts, play board games, etc.
13. Carpool and/or plan your travels so as to cut your gasoline costs.
14. Rent out an unused room.
15. Ask your older neighbors if they need help with their yard work, heavy chores, etc. Negotiate a fee or barter for services.
16. Check out services offered through local churches and synagogues
17. Shop at the thrift shops - rich people donate items that have been gently used or not used at all - some good bargains can be found.
18. Check out local discount stores.
19. Make your gifts. Let's face it - a batch of homemade cookies is often more appreciated that a do-dad that they didn't want or need but don't want to tell you so.
20. Check with your local nonprofit agencies - some of them will provide food or other types of vouchers if you give them a helping hand.