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Need suggestions on cutting back / $$

This is a discussion on Need suggestions on cutting back / $$ within the General Off Topic Discussion forums, part of the Life Beyond Horses category

     
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        11-20-2008, 09:36 PM
      #21
    Yearling
    Well...I kind of always live in a "crunch" because I am one of the cheapest (I like to say frugal) people I know

    1. Change all your light bulbs to flourescent...and if there is like one of those multiple bulb things...only use one socket. I have no idea why people need 6 bulbs over a mirror in the bathroom.

    2. Plan every single meal. Cut down on the meat...up the vegetables. Get rid of sodas entirely. No frozen foods...no pre-prepared foods (ie hotpockets). We plan every single meal out at the beginning of the week. Take your lunch with you to work everyday. Look at "unit prices"...sometimes the smaller one is the better deal...sometimes the bulk item is the better deal. We only allow one snack per person...I get Oreos

    3. We allow $80 "entertainment" budget monthly...that includes all fun activites...movies...eating out (includes fast food)...and horse lessons. This also includes new clothes.

    4. Unplug all electronics that aren't being used...we keep our dvd player, playstation, etc. on surge protectors...and keep them switched off when not in use. Unplug the microwave when not in use.

    5. With Christmas coming up...I don't buy holiday cards...they get thrown away the next week anyway. I also don't buy wrapping paper...I wrap in junk mail catalogs. Buy flourescent lights...they use 80% less energy then regular christmas lights.

    That's only the tip of the iceberg...like I said I'm "frugal." Some people think Im kind of crazy...
         
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        11-20-2008, 09:39 PM
      #22
    Yearling
    Oh yeah...and we don't have cable tv. We do have the netflix $8 a month package.
         
        11-20-2008, 09:48 PM
      #23
    Weanling
    I refuse to buy those new crappy lightbulbs. They suck worse than a Hoover. I read alot, and those $#@ bulbs give me a headache in minutes.
         
        11-20-2008, 09:54 PM
      #24
    Green Broke
    I'm getting my cable shut off this week....we're never home to watch it and when we are it's only at night, and I have a movie store so might as well watch movies! Hahahha ya. You guys got me going on taking it off :) thanks! That will save me 50 bucks a month!
         
        11-20-2008, 11:47 PM
      #25
    Weanling
    While the new bulbs save on electricity, they contain mercury for which there is no real safe disposal... so I see why some people don't like them. You can get them in "warm" (yellowish) and "cool" (blueish) tones, so if one gives you a headache try the other!
         
        11-21-2008, 12:59 AM
      #26
    Showing
    All excellent advice but can I ask the obvious? Why are you driving that far, to make so little? There has got to be another position closer to home that allows you to be more comfortable.
         
        11-21-2008, 07:38 AM
      #27
    Weanling
    There are very few job opportunities there within an hours drive. It's why I left - was JW's neighbor for a year. A super year it was, too.

    When you work 14 hour days ... the drive was worth it when you crunched the numbers. If you saw the comment about "cleaning staff" don't get the wrong idea. With JW working such long days... may times 6 days a week, with a two hour commute each way, she has no time to do anything but fall into bed and sleep. Hubby is disabled...getting him to NOT OVERDUE is always a battle. Over due cleaning one day, and he is flat out and in horrible pain for days. It was a good investment. For their health, JWs metal health and hubby's physical health. The kids pitch in, but teens only do some much. Often with complaining and moaning....
         
        11-21-2008, 09:07 AM
      #28
    Started
    Quote:
    Originally Posted by DashAwayAll    
    I refuse to buy those new crappy lightbulbs. They suck worse than a Hoover. I read alot, and those $#@ bulbs give me a headache in minutes.
    I agree...they just arent very bright.
         
        11-21-2008, 09:52 AM
      #29
    Showing
    Sorry to hear about your husband. You should probably nix the foam on the windows too, since it will darken a room considerably. Its amazing how much it cuts out the cold though, for those of you that are interested.
    Someone mentioned $80 a month for entertainment including clothes? We never go out, and buying new clothes anywhere except wal marts clearance rack is pretty much a thing of the past. I just tore a hole in my "good" jeans on some barbed wire. I'll have to patch them and pretend its not there.
    All in all I and my husband are happy and healthy. We still have a roof over our head and its deer season so we should have a full freezer soon. We aren't late on any bills and I think we will have enough to pay our farm taxes next month (nice it comes over Christmas)
    Try to think of all the good things you have. I know it doesn't help but you do have bright spots, focus on them.
         
        11-21-2008, 10:59 AM
      #30
    Foal
    I figure I saved over $2000.- this year just making these few changes.
    I don't heat areas of the house we are not using. Wash clothes in cold water and hang as much as possible reducing use of the dryer. Invest in power strips and turn off the switch so that appliances are off. I read that 30% of the electric use is when the appliance is in standby. Unplug the electric fence generator rather than just turning off the switch when the horses are not in pasture. Combine trips (kids-shopping-other). If I only need a few things from the store I ride my horse. Weigh feed and feed each horse as indicated by their individual needs rather than just throwing flakes. The only time we use our Mitsubishi SUV is in heavy snow or when pulling the trailer. The rest of the time we drive our Hondas. Gas is $6.70 per gallon here. I am a veggie and I cook vegetarian for my family 4-5 times a week and they don't even notice. I never buy soda pop and we are lucky there are not fast food places here. Mc Donalds is in the city. My kids come home for lunch from school 4 days of the school week. I pack snacks.
    Thanks for some of the great tips on this thread. I will sure use some of them.
         

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