|
GENERAL WAYS TO CUT COSTS
1.) First, find out where the leaks are. Start
a record of everything you spend –and I do mean everything. From groceries to the coke at the office. Include rent or
the mortgage payment, utilities, everything. You can’t see where to go until you know where you’re at. And when
you realize that you’re spending $100 or more a year on cokes at work, it might make you think twice about buying the
next one. I know people are busy, but this step will only take ten or fifteen minutes a week (if that) and the rewards are
tremendous.
2.) Cut out the “necessities” that are really conveniences. I’m talking cable TV, high speed
internet (or internet at all), cell phones, etc. If you’re really desperate, cut off the phone service. If you absolutely
have to be able to be reached, get one of those cheapo pay as you go cell phones.
3.) Raise or lower the thermostat (or
turn the system off all together when possible). Standard advice, but still good. Make the change incrementally rather than
all at once to give yourself time to adjust. Where I’m at, each degree you raise or lower the thermostat can save you
up to $10 a month. (Depending on numerous variables of course.) When the weather’s nice, turn off the A/C or heater
and open the windows. Fresh air never killed anyone.
4.) Trip chain, and walk, bike, or use public transit when possible:
More standard advice, but still good. This won’t work for everyone, and that’s fine too. After being on your feet
all day at the diner or the construction site, you might not feel like biking to the store. That’s fine, but you can
stop at the store on your way home. Gasoline is way too expensive to waste.
5.) Line dry your clothes. If you don’t
have a clothesline its cold out, you can use drying racks inside or hang them on your shower rod.
6.) Shop discount stores,
thrift stores, and yard sales. Big Lots, Fred’s, Family Dollar, and the like are often cheaper than even Wal-mart. Your
kid might need new sneakers, but you can get them for five bucks at the thrift shop, versus at least fifteen at the store.
7.)
Buy in bulk (when cheaper) and on sale. One of the mantras of frugality is “never pay full price”.
8.) Buy
only what you need, and never buy disposables. You need food –you don’t need IPODS, jewelry, new clothing, DVDs,
etc. As for disposables, they cost both you and the planet more in the long run. This includes even paper towels. I have three
dozen washcloths, bought at yard sales that I use in place of paper towels. They work better and even when I factor in washing
I’m ahead.
9.) Buy only what you need, and never buy disposables. You need food –you don’t need IPODS,
jewelry, new clothing, DVDs, etc. As for disposables, they cost both you and the planet more in the long run. This includes
even paper towels. I have three dozen washcloths, bought at yard sales that I use in place of paper towels. They work better
and even when I factor in washing I’m ahead.
10.) Consider moving into cheaper housing. Also consider moving closer
to work, or getting a job closer to home. Consider moving in with family or friends for a while, if need be, having them move
in with you, or taking in a boarder if you have the room. No, this will not be comfortable, but we’re talking survival
here –not comfort. And your situation might not be that bad right now, but six months from now it could be so don’t
dismiss the notion out of hand.
11.) Make do, reduce, reuse, recycle: Go without if you have to. Try to find a cheaper
(preferably free) alternative to buying something.
12.) Gain new skills. Learn to do something yourself instead of buying
it. Also use the skills you’ve got; if you have a lawn mower, offer to mow your more affluent friends/neighbors yards
for a few bucks.
13.) Ditch the gas guzzler. If you absolutely *need* a minivan, pickup, or SUV for work, make sure your
work is paying for it. And the extra gas. Otherwise, ditch it anyone you can. Get the smallest, cheapest car you can find
and fit your family into. (If you have to have a car.) Get something older and paid for. You might have to spend a bit more
on maintenance, but the savings on car insurance and payments will definitely offset that. Whatever you do, get rid of the
car payment. If you can’t sell the car, total it if you have to. I’m not advocating breaking the law here; but
you do what you need to do to survive.
14.) Trash pick and dumpster dive. Don’t make funny faces –I didn’t
say climb into a dumpster. Never do that. But if something good is on top or on the curb, grab it. If you can’t use
it you can probably sell it. Just yesterday I got a solid wood end table off the side of the road. I could only sell it for
five bucks or so, but that’s something. You’d be surprised what people throw out.
15.) Ditch the plastic. In
fact, cut the cards up. (Except your debit.) Years ago The People’s Almanac did a study that showed people spend 23%
more with cards than with cash. This has since been proven over and over again. If you’re in debt get out. And if you
can’t get out (I know it happens, and believe me, I understand) swallow your pride and file for bankruptcy. The new
laws really aren’t as bad as they make it sound, unless you make a lot of money.
16.) Never forget the mantra: SMALL
SAVINGS ADD UP. A dollar is a dollar is a dollar.
EATING WELL, ON A BUDGET
This is getting harder and harder to
do, but I am still managing it. Here’s some tricks that I use. I’m no expert and am constantly learning, but these
are strategies that work for me. I’m going to post general tips first and then go into specifics for various categories.
General
Tips
1.) Use a price book. This was first espoused in The Tightwad Gazette but it still works today. Basically, keep track
of the prices for the groceries you buy at various stores in your area and shop the cheapest ones. You might have to change
the prices a bit more often due to inflation, but it still works. Only use the stores on your usual routes –don’t
go out of your way. If this sounds like a lot of work to you, it’s not. It only takes a couple of hours to pull one
together, and then 15 minutes every month or so to update it. Mine only has 50 different items or so, and I can remember most
of the lowest prices in my head. Because I have the book, I know that bananas are normally 50 cents a pound in my area. Anything
over that is too much, anything lower than that is a sale. When you see a sale on something you use a lot, stockpile it.
2.)
Shop loss leaders. A lot of people (me included) get store flyers weekly in the mail and there’s no way to opt out.
So I go through them and mark the really good deals. This is what your price book is good for, among other things. Also sign
up for those little cards some stores have. I hate them, but they save me way too much money.
3.) Ditch the convenience
and junk food. And I mean ALL of it. Not just the frozen dinners; but the potato chips, the cookies, the pudding cups, the
bagged and microwavable popcorn (it takes fifteen minutes to pop some on the stove, and its much better). I also mean cold
cereal (save when there’s a really good sale), bakery muffins, frozen pancakes, all of it.
4.) Stop eating out. Don’t
whenever you can avoid it. Eat at home whenever possible.
5.) Cook at home, from scratch. Don’t hyperventilate. Even
if you’ve never cooked in your life you can learn to do so. I did. It’s not hard, it just takes practice. As for
time limitations, that just takes organization. Believe me, I’m busy too. I tend to make big batches of food at once
and either freeze it or keep it around for several days and eat off it. Sometimes on the weekends I’ll make a big batch
of muffins or pancakes and eat off that all week.
6.) Eat simply. You don’t need a four course meal every night.
Rice and beans aren’t going to kill you.
7.) Go meatless at least part of the time. There is no reason you should
need meat more than 2-3 times a week if you’re eating plenty of other protein.
8.) Go easy on the dairy. You don’t
need it everyday, especially if it’s conventional. The antibiotics and hormones in it aren’t exactly good for
your system. BTW –and this is heresy in our society I know –I would recommend NEVER eating conventional dairy
products while pregnant or nursing, and never giving them to a growing child. There’s more than a little bit of evidence
that the hormones in them cause problems, even to the point of causing girls to enter puberty sooner.
9.) Plant a garden.
Even if you get one lousy tomato, that’s something. And even if you live in an apartment, you can at least grow sprouts.
You can also check to see if your community has a community garden and see about getting a plot. For the disabled, check and
see if your community has a free garden that supplies produce in season to poor and disabled residents. Mine does; it’s
by the botanical gardens and it’s tended by volunteers, most of whom are master gardeners.
10.) Only buy from farmer’s
markets things that are cheaper than at the grocery store. Heresy again, but it’s not going to do yourself any good
to support the local farmer if you end up half starving because of it.
11.) Preserve your own food when you can do it cheaply
enough. See below.
12.) Never turn down free food.
13.) If really desperate, go to the food bank. It’s what they’re
there for. I have never done this, but that’s because I’m single and childless and I figure that no matter how
bad off I am there’s someone with kids who needs that stuff worse.
14.) Finally, consider dumpster diving behind
grocery stores at the end of the day. Make sure the dumpster isn’t locked or monitored. (Yes, some stores monitor their
dumpsters –pathetic I know.) You wouldn’t believe how much food gets tossed on a daily basis in this country.
Fresh bread that didn’t sell that day. Produce they’ve had for a day (maybe two) but that’s still good.
Whole cases of good stuff because one jar broke. Some stores donate this stuff to food banks, but a lot of them don’t.
Fruits
and Vegetables
1.) Frozen is usually much cheaper than fresh. That this should be the case is one of the best examples
I know of just how irrational our economy is. Frozen food must be harvested, washed, cut up, packaged, frozen, transported
in refrigerated trucks, and kept frozen at the store. And yet a pound of fresh broccoli is often $4 or more, while a pound
of frozen can generally be had for a $1 or a $1.25 on sale. Most of it is flash frozen so the loss of nutrients is minimal.
You wouldn’t want to eat frozen fruit or vegetables straight up, but they’re good for cooking.
2.) Frozen juice
concentrate is cheaper than the bottles. A half gallon of the cheap apple juice in the bottle is normally around two dollars.
I can get the equivalent amount frozen for $0.87 or cheaper and mix it up myself. Other juices are the same. Only by 100%
juice btw –otherwise you’re wasting your money on corn syrup and sugar.
3.) Potatoes, sweet potatoes, garlic,
onions, dried beans, and rice are good sources of calories and vitamins and are very cheap to boot.
4.) Store bought canned
good suck. But you can live off of them. Learn to, at least part of the time.
5.) The cheapest fresh vegetable (aside from
those in number 3) are carrots. I can get a decent sized bag of the baby ones, year round, for $1.50-$2.00. I try to keep
them around for snacks and such.
6.) Most stores make lettuce and salad mixes a loss leader about once a month. Keep an
eye out for this.
7.) In season is the cheapest time to buy most fruits and vegetables. I got a little watermelon the other
day for two bucks. Tomatoes and such are also cheap; buy twenty pounds at the farmer’s market and put them up for the
winter.
8.) The cheapest fruits are generally bananas followed by apples. Both are good sources of nutrition for both adults
and children.
9.) Only buy whole grains. The other stuff is empty calories. (Complete with bleach residues.) This is one
category where the slightly higher expense is worth it.
10.) Pastas tend to go on sale roughly every other month. Keep
an eye out and stock up.
11.) Dried beans are cheaper than fresh.
12.) Peanut butter is one of the best foods you can
buy, hands down.
Eggs and Dairy
1.) Use these sparingly.
2.) Find out when your local stores mark down items near
their expiration dates. (Most here do this on Sunday afternoons.) You can often get things half price at this point.
3.)
Butter and cheese can be frozen without side effects.
Meats
I’m not the best person to comment on this, as I don’t
often eat meat (and can’t cook the stuff; raw meat turns my stomach). But here’s what I do know:
1.) Chicken
is the cheapest meat. Whole chickens are generally cheapest, followed by dark meat and then white meat.
2.) Ground chuck/beef/etc
are generally the cheapest cuts.
3.) Meat too is usually marked down when it gets near to expiration. That’s a good
time to buy it and freeze it.
LOW COST FOOD PRESERVATION
There are many different methods you can use, and I’m
going to list them in no particular order.
1.) Store foods that don’t need special preservation techniques. Grains,
rice, dried beans, and the like will keep just about indefinitely if stores properly.
2.) Freezing. This should not be
your only or even your primary source of preserving. But if you have a refrigerator, presumably you have a freezer. You’ll
be surprised to find how much food you can cram into the average size freezer. Use square containers (they take up less space)
and label everything. I don’t recommend buying a freezer unless you can find a used one cheap that is the right size
for your family and is also energy star certified.
3.) Curing. Many foods will keep for months when properly cured and
stored. These include potatoes, sweet potatoes, garlic, onions, and winter squashes.
4.) Canning. No, canning need not
be expensive. Once you’ve got the equipment all you have to pay for are lids, food, water, and power. And you can still
can a lot of food for less than a store bought can of the same item. All you need to can high-acid items is a water bath canner.
You can even make one. For low-acid items you need a pressure canner. Both of these can generally be found used for little
cost. A brand new water bath canner with rack is about $13. Jars are expensive –IF you buy them. I have literally hundreds
of jars, and all of them came from Freecycle and friends. Put the word out and you’ll be surprised what turns up!
5.)
Drying. Especially solar drying. You can make a solar dryer from common household items.
I hope this has been helpful.
Tackling the subject of economic survival in an essay is a might task –at best, I’ve scratched the surface. Above
all, remember that attitude is key: The right attitude can make the difference between thriving and being depressed (or worse.)
|
