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72 Money Saving Tips for the 99% (Paperback)
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If you live in a truly expensive area, take some time to decide if the extra expense is really worth it. You may find that a move could mean the difference between having plenty of money and barely scraping by. My town has several wonderful parks, free basketball and tennis courts, free disc golf, trails, and lots of other stuff just there waiting to be used.
All you have to do is discover it. Ask the attendant inside if they have a tire air gauge you can borrow most of them do, both in urban and rural settings , then stop over by the air pump. Check your tires, then use the pump to fill them up to where they should be. Gardening can be an inexpensive hobby if you have a yard. I like planting a bunch of tomato plants, keeping them cared for, then enjoying the huge flood of tomatoes at the end of each summer. We like to eat them fresh, can them, and make tomato juice, sauce, paste, ketchup, pasta sauce, and pizza sauce.
Most communities have a ton of free events, although you may not know about them at the time. When I lived in a larger city, I bought an annual transit pass that actually paid for itself after less than two months of use compared to using an automobile. This may not be a popular idea, but it works if you have a simple hairstyle. I cut my own hair with a pair of clippers , for example. Just put a garbage bag over the bathroom sink, bust out the clippers and scissors, and get it done.
With a bit of practice, you can make it look good, too. If you live near anyone you work with, you might both be able to benefit by carpooling to work. Doing so could save money and wear and tear on both of your vehicles. You can just dump in your ingredients before work, put it on simmer, and dinner is done when you get home. Maintaining your home can also keep it in better shape and improve the value of your property over time. For example, we buy trash bags, laundry detergent, and diapers in the largest packages we can find.
This cuts down on their cost per usage by quite a bit and, over the long haul, adds up to significant savings. Photo: bnilsen. That way, instead of stopping in the middle of the trip, driving around looking for a place to eat, spending a bunch of time there, and then paying a hefty bill, you can just eat on the road or, better yet, stop at a nice park and stretch for a bit. Not only do they drop in value the moment you drive off the lot, but they continue dropping in value with each year that goes by.
If you want to save as much as possible on transportation, look only at used cars in relatively good condition. If you focus on cars that are only a few years old, you may also be able to find one within its warranty period. Look at it as a free place to do all sorts of things. The real moral of the story? You can get a very good shave with some practice and save a lot of money over the long haul. Find something that makes you want to make positive changes, then use that person or thing as a constant reminder. Keep a picture of it in your wallet, in your vehicle, and on your bathroom mirror.
Keep it in your mind as much as you possibly can. After sitting down with someone at my job, I gained access to free tickets to sporting events, free personal improvement opportunities, and an optional employee match on some retirement funds that maximized the money I was socking away. This not only cut down on my own spending on things like sporting and community events and educational classes, but also improved my retirement plan.
I like to make my own laundry detergent and my own Goo-Be-Gone , for starters. This is often a tricky thing to do, but there are a number of techniques you can try. My favorite one is to be the first one to suggest something — that often gives you the power to steer the group towards things that are cheaper.
If you can convince your friends to go to the park and shoot hoops instead of going golfing, for example, those greens fees are going to stay in your pocket. Not only is speeding inefficient in terms of gasoline usage, it also can get you pulled over and cost you a bundle between a ticket and higher insurance premiums, as I discovered a while back. Reading is one of the cheapest — and most beneficial — hobbies around.
Most towns have a library available to the public — just go there and check out some books that interest you. Then, spend some of your free time in a cozy place in your house, reading away. There are plenty of reasons to buy less house than you can afford. I currently live in a 2,square-foot house with my wife and two kids. We often find ourselves in the same room in the house, just surrounded by empty space. Any time you sign up for a service of any kind and there are sign-up fees, ask for them to be waived. Sometimes but not always , they will be — and you save money just by being forthright about not wanting to pay excessive fees.
I did this with my last cell phone sign-up and got them to wave the fees, lowering my bill significantly. Most people would probably find that inexpensive hygiene products work just as well as the expensive stuff. Personally, I just buy whichever toothpaste is the cheapest, and the same goes with deodorant and the like. Meat is very expensive when you consider its nutritional value, especially as compared to vegetables and fruits. And in almost every case, protein-packed staples like beans offer a much better value.
To save as much money as possible, use the coupons in conjunction with your grocery store flyer and shopping list.
Doing so can help you save double — both through the initial sale savings and through the use of the coupon. Most homes have some air leaks that make the job of keeping it cool in summer and warm in winter that much harder — and that much more costly for you. Spend an afternoon air sealing your home and keep your energy dollars from leaking out.
The DoE has a great guide on basic air sealing. If you enjoy an occasional drink, this is a great way to enjoy some of your favorite beverages at a steep discount. This is especially true of your entertainment center and your computer equipment. A power surge can damage these electronics very easily, so spend the money for a basic surge protector and keep your equipment plugged into such a device.
Many student loans offer a small rate reduction if you sign up for their automatic debt repayment plan. Instead of going on a big, extravagant trip, pack up the car and see some of the sights in your surrounding area.
SAVINGS BY AND FOR THE POOR: A RESEARCH REVIEW AND AGENDA
For a weeklong relaxing vacation, it was incredibly cheap and quite memorable, too. For the longest time, my wife and I were subscribed to HBO, Starz, and Cinemax, yet we would only tune in once a month at best. We argued that it was worth it because we could watch a movie or a great drama whenever we wanted, but it would have been far cheaper just to rent a movie. Go for a walk or a jog each evening, practice stretching, or partake in some light muscle exercise at home.
Just set aside some time each day to get some exercise, and your body and wallet will thank you. This serves two purposes. Second, it saves you money on stamps and paper checks by allowing you to just fill in an online form, click submit, and have your bill paid. Some of the best free online checking accounts offer this perk. So, if you have your workstation hooked up to this, every time you power down your computer, your monitor powers down, your printer powers down, your scanner powers down, and so on. This can save you a lot of electricity and significantly trim your power bill.
If you make a big mistake and realize it , think about why you realized it now instead of then, and try to apply that later on.
72 Money Saving Tips for the 99% : Lynette Yetter :
The memory of that mistake can end up being very valuable, indeed. Instead, look ahead to the future. Learn to see past mistakes for what they are — lessons that were meant to teach you something. Promising to do better and setting goals can help keep mistakes where they belong — in the past. One of the things I like best is that she includes the vantage point of manifesting and finding our future and doesn't just include the times her intentions worked. Her idealism, naive ideas of the simplicity of finding her heart's desire are sweet, and ironic when faced with reality.
She manages to keep her humor about the ups and downs that causes, though she feels such things very passionately, and they can shake her. Her naive idealistic determination makes her follow the sound of panpipes to Peru, where she plays in various venues, joining in with indigenous musicians, as she believes the sound can help create visions of harmony for others as it did for her.
She believes she can make a difference to bring more peace to this world through them. But it's just that quality, and her passionate empathy and love, that create the inspiring events of this book. Even in competitive traditions she fosters a sense of oneness. She acknowledges how magical the world is through synchronicities such as running into the man who wrote a song she was playing.
Yet, this isn't a treatise on creative visualization. The irony that can undercut such magic becomes obvious when she gets to know the song's author. I love that combination. She's not living out some formula, pretending it always works. So, when her intentions do manifest, her visions do come true, they are far more believable and powerful. We learn about Andean folklore, such as the respectful relationship of miners to the Tios, earth spirits who live underground.
We also learn that kusillos are androgynous entities who bridge the known and unknown.
And we follow closely: shocking international business practices, the role of civil disobedience in social progress, and the involvement of the U. This book made me cry for a long time, tremble, and even shout out loud. David Shields would like her book. In his, Reality Hunger, which also came out in , he claims "Most, perhaps even all, good work or, okay, work that excited me eludes easy generic classification: once we know it's coloring entirely within the lines called 'novel' or 'memoir' or 'Hollywood movie,' I honestly don't see how anything emotionally or intellectually interesting can happen for the reader.
Just as out-and-out fiction no longer compels my attention, neither does straight-ahead memoir.
It is heavily based on my own personal experience in Peru and Bolivia. In order to better tell the Truth, to express Reality, I chose to fictionalize my experiences. As an old hiking buddy and PhD in English once told me, fiction is where we express the deeper truths of life.
Get 72 Money Saving Tips for the 99% PDF
In short, she said, "Fiction rocks! But, it was too limiting to stick to chronological events and specific people. By fictionalizing reality I can lump many people into a single character who then becomes an archetype. My favorite is Aunt Bert. Aunt Bert came to me in a vision, you might say. I was riding in a bus along the shores of Lake Titicaca, when suddenly Aunt Bert appeared in my mind. She told me her life story.
As I looked out the bus window at the scenery passing by, I was so moved by her life that I even cried at the sad parts. And when I got to where I was going, I wrote down what she had told me. That is how Aunt Bert came to be in the book. Reality is so multi-dimensional.