Top Five Frugal Tips?

oh # 5 is a HUGE one! we often get hand me downs from a variety of people (whether they be shoes or clothes or what have you) and we NEVER say no. if we dont like it or cant use it, we pass them along to someone else! i also only shop at sales and thrift stores. i am a big fan of those, so much so that my daughters tell me that SALE and FREE are my favourite words!

Top five: 1. Just because it's on sale doesn't mean you need it. 2. Never trust a salesman to give you the best deal, whether it's a used car, insurance or a pound of butter. Find out for yourself. 3. Learn to mend and repair anything you own. 4. When you feel a desire to buy something on impulse coming on, stop and take a shower or a walk instead. Chances are, the desire will subside after awhile. 5. Always listen and read everyone else's tips. You will never learn it all on your own!

1 – Coupons can be your best friend, but they don’t always result in the best deal. Always check and compare store brand products first. 2 – Free samples are a great way to save money, as they let you try a new product before buying them. I love trying new products, but I am disappointed if I don’t like them and wasted my money. 3 – Keep your cupboards organized to prevent wasting food. I like to stock up on food, but that means that some stuff gets pushed to the back. I have started checking more, but in the past by the time something was discovered, it was well past its expiration date. 4 – Save all change to deposit at the bank (this was one of your tips that I really agree with). I took $15 worth of change to add to my savings account and that wasn’t half of it. I just needed coin rolls. 5 – Always compare prices first. This is easiest when shopping online. For Christmas gifts, I have been comparing prices online and only buying items on sale. But, for grocery shopping, I compare store sales fliers to make sure I am getting the best deal.

Top five: 1. Just because it's on sale doesn't mean its the lowest price. ask for a discount, find a coupon online, open a store credit card to get the add'l 20% off and then pay it off on the spot. 2. Never spend more than you make, cut up the credit cards, dont borrow money, etc. only buy what you can pay for on the spot. 3. Don't spend your change! I save mine up every quarter i take it to the bank and its typically close to $300 4. If you haven't used it in 6 months, give it away, chances are someone else will put it to better use and u'll learn better. 5. Say No. Dont take everything just because its free. You really don't need 40 copies of blah blah. you just think u want it. you DONT. If its two for $3.00, its one for $1.50. do you really need two?

I think my main thing is a sale isn't a sale if you buy stuff you don't need. My youngest daughter used to help me unload the groceries and put them away. She'd invariably say "well I guess I know what was on sale this week!" in a sort of derisive way. (you know how teenagers can be) Now I'm learning tips on frugality from her. I'm like you I like to think of saving money on certain items as a reallocation of the money. I don't have to have name brand foods, clothing etc. if the generic are just as good.

Good ideas there. Here are some I use: Find an "off brand" I like, and buy it often. Some times the name brands end up being a better deal. Check it out. If something is on sale..like the 10 for $10 sales, I stock right up. And use double coupons. A sale is ONLY a bargain if it is something I use regularly. Bigger is not always better..check unit pricing.

these are very nice tips. most of them are needed in this hour of need. plus there are many things taht we know from others.

Here's mine: #1. Convenience isn't usually convenient in the long run. Never spend money on something you can do yourself. #2. Go where the bargains are. Local stuff tends to be cheaper than the big stores. #3. Forget recycling, reusing's where it's at! #4. It's not about what you don't have, or what you can get, it's realizing how awesome the things you already have are. #5. Think about what you can do to make your life more efficient (this usually means simpler" but doesn't always.) Frugality, to me, is the only kind of living that really makes sense. I mean...everyone's allowed to live however they please, but this is the kind of living I understand the most. I'd...have...problems...living differently, even if money somehow wasn't tight.

well i won't consider myself a frugal person. i believe the money is earned to be spent. that said, i'm not a spendthrift either. it's just that i don't believe in saving money with no goal at all. i put aside enough for my retirement fund, my travel fund and my emergency fund. the rest i'll use it for my daily expenses and purchases. so i'll call these my money-saving tips: 1. always go for 2nd hand first. most people sell their as-good-as-new stuff for a fraction of the price. i got a F&P refrigerator in perfect condition for as little as $30. 2. buy quality, not quantity. i believe in using something for a very long time. i don't mind paying more for quality, but i mind paying a little for things that don't last. 3. check for the best deal around before committing. 4. hold big ticket item purchases until a sale comes around cheers

1) Homemade is cheaper - it may be more time consuming but it is cheaper. - foods, cleaning, clothing etc 2) Recycle, Reuse and Reduce - if you use less and reuse things....or recycle them to be reused again its better for you, the world and your pocket book. this includes garage saling, value villae, thrift stores 3) Coupons! 4) buy on sale or only if its necessary Those are the only three i can think of that arent really really similar to your top 5 Donate what you arent using/will never use to charity. Dont store it Change adds up

You have some very good ideas listed. One I try to utilize is to read a book and then take it and another one to the book store I use and get another book. Two books for a new (new to me) one. Saves on buying new books.

Here are a few of my own... 1) when planning to buy a big ticket item (computer, camera, etc) set a MAXIMUM amount of money you are willing to spend... including extras (memory, cables, warranty and so on). 2) The net is your friend. Save gas and time by visiting the sites of the stores you would go to. (In this manner i saved 200 dollars on my camera best buy was having a sale - online only.. ordered online picked up from the store - saved on shipping!) 3) Coupons are NOT always your friend - they usually are for brand name products when you could get a different label for less. 4) Aldi, Cubsfood, Costco.... are not shameful you could save a lot by shopping for your groceries at these places 5) Before you go out shopping (for clothes in particular) set how much you will be willing to spend. Sometimes we charge things to our debit card so happy about what we found forgetting that hellooo budget! So i tend to tell myself i don't need more shoes, or pants, i need/want a shirt and will spend no more than 20 or something like that... Well that was my input in that department. My husband is more like... if he likes it he'll get it and doesnt pay much attention to trying to spend wisely so we balance eachother out in the long run lol...

frugality is critical to a country,let alone a person.earning money is hard,but consuming it is easier.i often ask my friends to consume to a certain extend.but too much.the importance of saving we cant neglect.just in case of emergency.so enjoy life,saving are equal to me.