Money! Money! --- Tips on Budgeting and Housekeeping (1)

money
@MALUSE (69409)
Germany
February 24, 2017 11:51am CST
The first items should be superfluous and ridiculous pieces of advice. From what I gather from the media, however, they are neither. 1. When you go shopping, think beforehand how much money you can spend. When you’ve spent it all, switch over to window shopping or return home. Don’t take a credit card or cheques with you, pay cash. When your purse is empty, you aren’t tempted. 2. Of course, a credit card can be useful, especially when you buy expensive items (for example a car) and don't want to walk around with your pockets full of cash. But do you really need more than one? Maybe you belong to the people who think that a second credit card doubles the amount of money they’ve got in their accounts? Wake up, it doesn’t. 3. Beware of price reductions! 30%, 40%, 50% off! Isn’t that great? Only if you planned to buy the item anyway before you saw the reduction. Otherwise, it’s nonsense to buy it with so-and-so many percents off. Have you ever considered the fact that you’ll save 100% if you don’t buy it at all? If a shop-assistant gets on your nerves by urging you to buy something because you save a lot of money by doing so, tell them that you’d rather save the whole sum by not buying it at all. This will shut them up. 4. Why do we have to have so many different products to clean our rooms? Why should we need a different product for each room? Find out which washing-up liquid is good for the skin of your hands (it probably won’t be the most expensive brand) and find out what you can clean with it besides dishes. My experiences is: You can also clean the kitchen floor and stone steps with it. Fill some water and some drops of the washing-up liquid in an empty plastic bottle with a spray nozzle and you can clean also windows and mirrors. 5. For the toilet bowl so-called cleaning vinegar is best. It’s cheap and not perilous to your health like the poisonous substances the ad people tell us to use. A thought: why are housewives so obsessed with cleaning the inside of the bowls until they sparkle and the last bacteria are killed? We don’t drink from them. It’s much more important that the seats be clean. This, you may have guessed it already, can be reached with water and washing-up liquid. You can also save a lot of money if you don’t clean your flat/house so often. If you don’t have a chimney-sweep or a road construction worker in your family, no long-haired pet and/or no small children, why should you clean every other day? Never clean *before* visitors come. Clean when they’ve left, otherwise, you have to clean twice. (Check out No 1 and 2 of the series by clicking on the tag at the top of the screen!) --- photo: pixabay
27 people like this
26 responses
@Kandae11 (53698)
24 Feb 17
Very good tips. I am one of the guilty ones where the toilet bowl is concerned.
2 people like this
@MALUSE (69409)
• Germany
24 Feb 17
Well, from today onwards you may change this. :-)
1 person likes this
@SIMPLYD (90722)
• Philippines
27 Feb 17
Sometimes though, I am enticed to buy those with 50% discount. Just last Friday , I saw when I went to the mall to buy a gift for a wedding and planned to buy two blankets for the couple, I saw that bedsheets and blankets are in buy one take one. I checked to see the bedsheets and saw that they are very nice and the price indeed is a bonus, so I not only bought a pair for my gift but another one for the house. I am so happy I was able to buy those .
2 people like this
@Asylum (47893)
• Manchester, England
24 Feb 17
I find a debit card essential, not that it would ever entice me to spend more. It serves a purpose when purchasing large items and saves carrying large amounts of cash.
1 person likes this
@Asylum (47893)
• Manchester, England
24 Feb 17
@MALUSE I only ever spend what I know that I can afford.
@MALUSE (69409)
• Germany
24 Feb 17
@Asylum I've included your idea (large items) in the post. Thanks for mentioning this.
@MALUSE (69409)
• Germany
24 Feb 17
That's correct, of course. You wouldn't pay cash when buying a brand new Mercedes! :-)
1 person likes this
@PatZAnthony (14752)
• Charlotte, North Carolina
25 Feb 17
You have some good ideas here that some of your readers will appreciate. Spending money on cleaning products is something we don't understand. We make our own, as well as our laundry soap and more. Why not? No dangerous chemicals and ours works as well as products that cost 10 times more.
2 people like this
@jaboUK (64361)
• United Kingdom
24 Feb 17
Very sensible advice - common sense but unfortunately it seems far from common.
1 person likes this
@MALUSE (69409)
• Germany
24 Feb 17
Yes, indeed. Sometimes one finds it awkward to mention things which every sensible human being should know and do but doesn't for unfathomable reasons.
2 people like this
@FayeHazel (40246)
• United States
24 Feb 17
All wise tips there. Another one I like is buy a "foaming soap" dispenser. Once the soap is used up, refill it with less than half refill soap (any regular liquid kind, even dish soap) and the rest water. It will foam just about like the original soap
1 person likes this
@MALUSE (69409)
• Germany
24 Feb 17
I do this with washing-up liquid. One doesn't need highly concentrated stuff.
1 person likes this
@FayeHazel (40246)
• United States
24 Feb 17
@MALUSE true - I have heard it is mostly the friction of washing that gets your hands clean
@mysdianait (66009)
• Italy
4 Mar 17
Here there is only me (and Chicca now) but I bulk buy when my usual loo rolls are 50% off. In fact when anything unperishable or with a long expiry date, like coffee, is a really good deal I bulk buy. I also never get down to the last item of whatever I usually use or I risk having to pay a really high price for it. You can bet that when I need it no shop has it on offer.
@mysdianait (66009)
• Italy
4 Mar 17
@MALUSE I did a bulk buy on the cat litter this week (which I am quite chuffed with too) It was reduced all week by 40% and card holders of the shop concerned had an extra discount on the total bill, including items already on offer, of 10% on Friday and Saturday. I took my shopping trolley (I don't have a car but the shop is only a 10 minute walk away) and bought three each day. Chicca can now go potty for at least six months before I have to buy any more
@MALUSE (69409)
• Germany
4 Mar 17
'bulk buy' is a new term for me. I'll include it in my vocabulary.
1 person likes this
@MALUSE (69409)
• Germany
4 Mar 17
@mysdianait I also do my shopping on foot and with a shopping trolley!
1 person likes this
@MandaLee (3758)
• United States
25 Feb 17
@MALUSE I will put your excellent ideas to good use.
@MALUSE (69409)
• Germany
26 Feb 17
Thank you! More to come today. :-)
@BigMoney25 (1286)
• Philippines
24 Feb 17
thanks for the great tips I totally agree with all of them and find them useful. People need to learn how to stop impulsive buying especially when there are lots of sale tags or whatever in the shopping malls. Save 100% by not buying the item! I will take note of that! That is the best reminder everyone should know! Thank you very much!
@MALUSE (69409)
• Germany
24 Feb 17
You're welcome! At the moment we've got winter sales in Germany. Whenever I pass a shop-window with notes telling me how much money I can save if I buy this or that product, I have to smile and think, "Ha, not with me. I know better!"
@silvermist (19702)
• India
26 Feb 17
@MALUSE All very very useful tips.But I have seen many people have a reluctance in practicing them.Thankfully,I have given up credit cards long ago.I now have only debit cards. I do not like these so called buy one get one and 60 % reduction sales.Waiting for part 2.
@silvermist (19702)
• India
26 Feb 17
@MALUSE Welcome. looking forward to it.
@MALUSE (69409)
• Germany
26 Feb 17
Thank you. I'll post part 2 today.
1 person likes this
@jstory07 (134752)
• Roseburg, Oregon
27 Feb 17
All the tips that you gave are really good. I only buy sale items that ar 50% off or more or less if I really need the item.
26 Feb 17
my husband really needs to learn this : only spending what you have....
@JudyEv (326431)
• Rockingham, Australia
25 Feb 17
All great tips Malu especially the one about saving 100% by not buying at all. I'm always quoting that one at people.
1 person likes this
@ridingbet (66857)
• Philippines
25 Feb 17
we can have some alternatives as regards cleaning the bathroom. some items especially the new ones in the market offer discounts for trial, and a money-back guarantee when we are not satisfied with it. but when it is okay, it is expected a sudden surge of the price because its effectiveness is talked-about.
@MALUSE (69409)
• Germany
25 Feb 17
This trick is often used.
2 people like this
@ravisivan (14079)
• India
26 Feb 17
We buy many things out of temptation and not use them. For example cassettes, DVDs -- we buy them and seldom use them. good day
@garymarsh6 (23393)
• United Kingdom
25 Feb 17
I love number three which is saving yourself 100%. I usually work on the premise do I need it or is it because I want it. IF I Need it then ok as long as I use it but not if I just want something for the sake of having it! I rarely take cash with me anywhere. You do not even need to for the bus or train you just swipe your card.Saying that I needed a big chunk of cash today and was surprised when the lady in the post office said I Could withdraw it from there! That saved me at least half an hour!
• Eugene, Oregon
25 Feb 17
Very good tips. I am sure we have more cleaning products than needed.
@nanette64 (20364)
• Fairfield, Texas
25 Feb 17
All are absolutely true @MALUSE . I go to the store with a list and that's it. I use all the old-fashioned ideas for cleaning and my house gets cleaned once a week (because of the cats). The bills are always paid first and what's left goes to groceries. I don't go to the movies or eat out.
@Poppylicious (11133)
24 Feb 17
Some brilliant tips here!
25 Feb 17
Very informative,you have given very good advice.People usually get lured by offers and discounts but actually they are meaningless they just raise the list price and offer off on that and finally earn much more.