Save Money

Saving on Hair Salon services

saversue
Hi, I moved to Southern IN, 7 yrs ago and was interested in saving money on my hair services. I looked online for cosmetology schools in my area and found 1 that was 10 minutes away! This is a school where students learn about all types of the hair care process, manicures, pedicures, brow waxing, facials, and many more services. They are under staff supervision at all times, are friendly, outgoing and eager to learn. They offer these services to the public at a discounted rate and so I made...Read More...
Great reminder, thanks! We have a cosmetology school here, and I just have not utilized them. I have used the massage students FREE practice sessions, and let me tell you , it was fantastic.Read More...
That is an awesome tip, @saversue ! It reminds me of some similar ways to cut costs. We had a dental assistant training school in our area that discounted services. I also had a friend going through massage therapy school and she needed volunteers to practice on while in school and I had a few free massages(yep, the message student is a more pleasant thought than a dental assistant student!) Also, the University of Florida at one time offered discounted dental services if a parent had a...Read More...
Last Reply By KellyFromKeene · First Unread Post

How do I get money

Tim Mfn Berberich
Want cashRead More...
Definitely too broad a question to cover with one answer. It really comes down to finding something that works for you personally. There are many ways to make money, it is just going to take some research and time to figure out what works for you.Read More...
Sell your stuff, work a side job, take money out of savings, borrow it... https://www.dollarsprout.com/i-need-money-now/Read More...
Last Reply By Moore Income · First Unread Post
How much do you all think is a REASONABLE amount to have saved? I'm not talking retirement, I mean $ that you have set aside for emergencies, etc. I know that the experts say that we should have 3 months worth. I find that the majority of people I work with want to have $500 or $1000. I'm always trying to get them to raise that number, but realistically, how much do you shoot to keep in savings??Read More...
Thank you @TheSugarFreeLife ! Very helpful. I love to real life examples when talking with people. I know it makes me personally feel more like things are possible rather than reading about someone who doesn't even seem real to me.Read More...
I had heard about 6 months worth of salary and tried hard to save for over 15 years without much success. As soon as I would start building a few thousand, it seemed something would happen (major home repair, need a running car, etc.) and instead of incurring yet another debt, I'd use what we'd managed to save. A few years ago I decided to create a list of the absolute minimum we could survive on a month - basically an absolute bare bones budget and we decided to target saving 3 times that...Read More...
Last Reply By KellyFromKeene · First Unread Post

SAVING for TRAVEL

Moore Income
Do you have a separate savings fund for travel? My wife and I both love to travel and so we try to make it a priority to save for such expenses. Even if "traveling" means just going on a day long road trip as we did over the weekend to see some nature and enjoy the spring weather. We have a box in our living room where we add bills from time to time. It says "Adventure Awaits" on the box and is a great reminder that saving for such things is worth it. It may only be a little bit here and...Read More...
@Shannon H that is great!Read More...
I set aside cash each month for my personal travels. My family is two states away and that's where I take my personal travels. I know the costs associated with traveling there based on past experiences. I always add some extra to the cash for eating out and spoiling my nephew.... Nothing like home cooking or going to your favorite local place when I am visiting.Read More...
Last Reply By Moore Income · First Unread Post

Cutting the Cord

I'm looking at possibly ending my cable services in a couple of months when my contract ends. I already have Netflix and also Hulu(free through my subscription with spotify). Have any of you cut the cable cord and what other services have you used to watch your TV/movies? I've heard of Sling, HBO Go, and CBS All Access but i want to make sure i choose the right service combination that cutting the cord would be worth it financially. Thoughts?Read More...
Okay that sounds good. I'll be trying to weigh my options these next couple of months. Thanks so much for the insightRead More...
I use Netflix, Hulu, and Amazon. I can also stream a few of stations like the CW for free.Read More...
Last Reply By BJLEE · First Unread Post

Confessions of a Shopaholic

ERoberts
If you, like Madonna, are a material girl and find yourself having visceral reactions to a store-wide sale notification landing in your inbox, this one's for you. I love clothes. And jewelry. And shoes. And bags. I think a lot of guys and gals out there do. While I know I am not alone, and feel no shame surrounding my constant impulse to shop (or my "shopping is my cardio" tank top) there comes a time in every adult's life when other things start to garner more financial prudence over...Read More...
Like @Maureen Sullivan , I unsubscribe from marketing emails to reduce the temptation to buy things I don't need. I throw away catalogs without looking at them, and I don't wander around stores to kill time (usually). I just try to reduce the temptation to spend when I can. Why make it hard for myself, you know?Read More...
Years ago, I read "The Life-Changing Magic of Tidying Up" by Marie Kondo and "purging" my belongings has been a thrill to me ever since. I'm not a minimalist by any means, but I don't like "stuff" to weigh me down. When I feel like "stuff" is taking over my house, I get very anxious until I am able to go through it all and donate, throw away, or better organize my belongings. Knowing exactly what is under the bathroom sink is what really brings me joy I love being able to walk around the...Read More...
Last Reply By KellyFromKeene · First Unread Post

Keep a bank

Lashuan Beverly
Water jugs from water deliveries can be used for a all coin bill bank. Google lady that bought a motorcycle once she filled hers. Just copper! As you go about your day there’s always penny to be found. Children don’t like them, so you can accumulate. I have had a piggy bank of mostly penny’s going on ten years keep post for count. Aug 20 yrs.Read More...
Saving coins is a great way to save money and can even be used as you mentioned for larger purchases down the road if you work hard at saving them. It is true that pennies are frowned upon by a lot of people but I try to always pick them up when I see them because as the saying goes: "A penny saved is a penny earned" Sometimes, people will even pass by larger sized coins. The other day at Walmart I picked up about $0.78 in nickels, dimes, quarters and pennies that someone had just left on...Read More...
Last Reply By Moore Income · First Unread Post

How are you saving money this week/month?

Briana
Typically on Sundays, I frantically run to the grocery store to do my shopping so I can prep my meals for the week, but this week I remembered I'd purchased extra chicken (for a discount!) the week prior and actually put it in my freezer. So I was able to use that to make all of my lunches for work this week. I also (finally) cancelled my Planet Fitness membership since I use my apartment gym instead. That's $21 a month I'm saving! Small win, but hey, I'll take it! What are some ways (big or...Read More...
I'm glad allot of you are planning meals weekly or by the month. It does save allot of money. I'm waiting on chicken breast to go on sale. Than I'll have just about every meat I can think of that we like. I prefer boneless pork chops over bone in but at a buck a pound it was a good deal.Read More...
MOORE INCOME have a great trip with your wife. Oh and our son has started a change jar to. So we both have one of those big snack jars and saving our change, Only thing is I don't cash mine in he comes to me when he wants to buy some thing. I buy his change from him. lolRead More...
Last Reply By Bonnie Squires · First Unread Post

Why Everyone Should Learn How to Cook Asian Food

I'm disabled. In 2017 I started a job at an Asian restaurant, and have managed to build some semblance of a life thanks to that. One of the advantages of working at an Asian restaurant was that I got a free meal with each shift. I soon was eating Asian food every day, even on my days off, and have discovered it's an excellent cuisine for Penny Hoarders. Trying to lose weight? Eat Asian food. Did you know China's obesity rate is only 3 percent? I didn't lose a lot of weight but I did lose...Read More...
I got lucky, my wife is from the Philippines! Thumbs up for all the tasty dishes she makes!Read More...
Fried rice is a weeknight go-to for me. It's a great way to use up leftover rice, and you can make it on the cheap with a bag of frozen mixed vegetables and a couple eggs.Read More...
Last Reply By Moore Income · First Unread Post

How Do You Effectively Save Money On A Consistent Basis?

Moore Income
Learning to save is an important part of ones financial journey towards a better financial future. That being said, if we don't make it a priority, it can be very easy to end up with nothing left over to save if not careful. I am curious to know some ways my fellow Penny Hoarders use to save money on a consistent basis. For me personally, I have found that saving multiple small increments of money on a weekly basis adds up over time. For example, I have one savings account that takes $5 a...Read More...
I use Stash and Swell, I have heard of Long Game but haven't used it. What do you like about that app? @Shannon HRead More...
I have opened a separate bank account for my work reimbursement checks so that money doesn't go in with paycheck. I now transfer money from reimbursements into Stash, Long Game monthly then once every quarter I move money into Swell Investing. It's been much easier for me to move it out and forget about it because I no longer see it in my primary account which has made saving easier.Read More...
Last Reply By Moore Income · First Unread Post

What have you done to save money on your Electricity Bill?

Deon Christie
Although you can place your geyser circuit on a timer to only switch on at a certain time. It doesn't make electrically any sense to me. Because to warm up 150 Liters of water couldn't use much less electricity than just to keep the same water at a constant temperature. Therefore I just wrapped my geyser in a thermal blanket to keep the heat in and not having to warm the water that often. I have also replaced all light bulbs with energy saving light bulbs or LED lamps. LED lamps use very low...Read More...
Directly from the sun.Read More...
DEON CHRISTIE and @jcclark1976 what kind of solar do you have? I brought 2 from harbor freight and hubby and hubby fried the battery's on them Hubby all so brought one my be 4 or 5 years ago. But he has this big box that's real heavy that goes with it.Read More...
Last Reply By jcclark1976 · First Unread Post

Saving money on prescriptions

mintjulep
I've learned a few tricks to help save on the high cost of prescription medications if your medication is not covered by insurance or you have not met your deductible. The best way in my area (Florida), is to register at either GoodRx.com (which is national USA) or FloridaRx.com I've not personally used GoodRx.com but from input from other people, it works just as well for finding the best prices in your area. Both are discount cards you show at your pharmacy and both sites have apps for...Read More...
That's good you rescue a dog. My dog I got at 2 years old she will be 9 next month she a ShiChi and has athirst. My daughter dog is a pug/Chihuahua He will be 3 next month. She had him since he was about 6 months old My son dog she is ShiChi /pug/Chihuahua. She will be 2 next month. We had her since she was born. Her mom is my dog the dad my daughter dog. I do know there one other company out there but not sure the name but it came out to be allot higher GoodRx.Read More...
@Moore Income I edited the post this morning to add that GoodRX.com is national, not just limited to FL. I published the price spread for that one drug because that is what is going on at the pharmacies these days. It is definitely worth checking out the prices at all the pharmacies near you, with or without a discount card. Where most goods and services are competitively priced in any given local area, drugs are not!! And up until the last couple years or so, I just always stayed with one...Read More...
Last Reply By Bonnie Squires · First Unread Post

Best Debt/Credit Card for Travel

Wen Dee
Any suggestions for a debit/credit card that offers free airfare/bus or train discounts, free or discount hotels and free or discounts for restaurants? We are traveling this fall and are trying to keep costs down. Any suggestions are appreciated. ThanksRead More...
This would be nice, but I do not know of any, since most require a high-spend amount to receive points.Read More...
I have heard a lot about the Venture One card from Capital One @ekuhlens . Thanks for sharing your tips. @Arthur Pember it is true that certain people like to take advantage of tourists when it comes to the exchange rate. This is true in nearly every country I have been to. Your best bet is to exchange money at a bank.Read More...
Last Reply By Lele · First Unread Post

Car buying and owning.

In your opinion, which is the smarter financial decision when it comes to car buying: new or slightly used? Also, what are some tips to help get the most out of your investment?Read More...
Of the last 5 vehicles we have had, 4 have been brand new. We tend to keep them for a long time. 1992 vehicle was 13yrs, 1993 vehicle was 19yrs, 2006 vehicle we still have & just were gifted a 2017 that we plan to keep for at least 20yrs. We were gifted a 1996 used vehicle that we had for 6yrs but it needed so many repairs as it wasn't well maintained before us & wasn't really able to pull our travel trailer anymore. I do know that vehicles depreciate the moment you drive them, but I...Read More...
I have never personally owned a car that was newer than 11 years old, and that has always been great for me. Here's some points to consider: The literal SECOND you drive your fancy new car off the lot, it dramatically depreciates in value. It will never again be worth what you paid for it. Consider financing: many car dealerships have fancy promos to talk you into buying a car, like no down payments, 0% interest for 12 months, on site financing and the like, but most of these tactics are...Read More...
Last Reply By Nicole · First Unread Post

Birthday Parties

Six on a Budget
I'm a stay at home mom of four kids. We live in southern California. We've been debt free for about 9 years. My daughter turned ten this past week, and to kick off her birthday celebrations, we had a couple dozen friends sing happy birthday to her at the park and enjoy piles of donuts (purchased on clearance). Saved money, but her face says it all....she was one happy girl! It was a good reminder to me not to feel pressure to spend amounts of money I don't care to spend in order to have a...Read More...
Best birthday was family with a few friends.... I think daughter was turning 14 or so..... I made homemade calzones with sauce, grandma brought the cake, I had free ice cream coupons from an in-store promotion that I used at a store that had buy 1 get 1 free so ALOT of ice cream was consumed..... think cost for food was less than $15 for 25 people...... Taking the time to make the food was great as daughter and I got to work together then were joined by my two sisters and it was the time we...Read More...
Having a large family of 8 kids. We would let the birthday person pick out what cake they wanted made and there dinner that they wanted for there birthday. We would all get involved and make every thing tougher. Watch movies or go to parks depending when the birthday was. Plus we gave 1 gift to the birthday person. Now because they are older and we don't see the kids much we give a card and $20 for birthday. We have a granddaughter in april and our 3 dogs lol We start in June with our son...Read More...
Last Reply By Shannon H · First Unread Post

Saving Money for a Vacation

Katie Gabriele
What are some of the best ways to save money for a vacation? Or ways to save money on the vacation itself? My fiance and I are planning on going to Florida for our anniversary this summer. We made a tentative budget and are assuming we'll need $1500-2000, with $500 of that being for flights (we'll be staying at a family member's vacation home for free). This isn't too much money, especially for a week vacation, but we'd still like to save as much as possible. Ideas?Read More...
there are also apps that do the digital version of the envelope ideas. For example, Digit - tracks your spending and learns your habits. then it will save based on the goal and timeline you have specified. I beleive YNAB can do this and Qapital saves by rounds all your purchases to the nearest whole number and saving the change. I would also suggest doing surveys or some small task that wont disrupt your day to contribute to your vacation savingsRead More...
I waitress at nights and I think having cash on hand or a separate designated savings account is vital. At the end of my shift (or once a week at the end of the week) I pull out a bunch of envelopes with different labels on them (emergency fund, vet bills, vehicle registration fees, family vacation, etc.) that I know are coming up, and I sort out money into each envelop. It makes it easier not to dip into a fund when I know dinner out with bae means I have to dip into money set aside to take...Read More...
Last Reply By Mo Brownies · First Unread Post

Amazon Prime is it worth it or not?

Bonnie Squires
I had prime a couple years ago and it was about $75 It is now over $100 . Trail for 1 week is $1.99 than $12.99 a month after that. I know you get free 2 day shipping and video's but not sure what else comes with it. Do you have Prime and what is the pro's and con's of it?Read More...
@Nicole that's interesting because i've order with out prime and not from a 3rd party and it seems to take longer for me.Read More...
I do not have Amazon Prime. I find that many items I have ordered from Amazon seem to come the next day even though it will tell me 5-7days. They only time I have had to wait is if the item is from 3rd party vendor.Read More...
Last Reply By Bonnie Squires · First Unread Post

The Financial Benefits of Living Your Best Life

ERoberts
I've noticed a theme in our "Save Money" vertical with many of our articles titled like, "How to Save Money Streaming" or, "10 Ways to Life-Hack Your Next Dinner Out". This got me thinking, why are we so focused on finding ways to save on activities that will always have a price tag attached to them when there are plenty of free (dare I say, more enriching ) substitutes? For example, substitute your nightly Netflix binge with a trip to your local library and hunt for a page turner. Benefits:...Read More...
My "living the best life" kind of conflicts with your article, but still fits. I pay for an NHL TV subscription. I am a huge hockey fan and, luckily, live outside the market area (MN resident who is a Pittsburgh fan). This is a big part of my social life - watching games with friends. However, instead of spending money periodically at sports bars and only getting to watch a few games that way, I spend in one year for the NHL TV and Hulu TV monthly app a lot less than I spent at sports bars.Read More...
@ERoberts ..Thank you! I was thinking that too..I need fresh air and to get back into life...I'm trying to build myself back up...It is weird not working in corporate world but I'm blessed to be here...I will have Dr for the rest of my life and take meds and have treatments but I have to let this illness know it do not have control of me nomore. I actually was out the house on Sat all day and was sleep all day Sunday...My body was overwhelm but I enjoy it..Read More...
Last Reply By Anna Matetic · First Unread Post

Are DIY Projects Worth Their Price?

ERoberts
If you have read any of my other posts, you'll already know how much I love Pinterest! Pins that always catch my eye (but I rarely act on) are recipes for DIY laundry detergent, toothpaste, cleaning agents, deodorant, etc. They boast huge savings, but I am not sold. I wouldn't mind devoting an afternoon during the weekend to create my own concoctions and I like the idea of controlling all of the ingredients I put in them. BUT, as we know, not everything on Pinterest works out. How do I know...Read More...
I know tooth paste will take the water marks off the handles of the tubs,sinks i tried it before. Sorry some times my memories isn't that good. Our daughter used baking soda and vinegar on our stove and it cleaned it pretty good.Read More...
Hi Nicole! Yes, hopefully some members will share their insight with us!Read More...
Last Reply By Bonnie Squires · First Unread Post

Energy saving -- via Arcadia Power or any other similar service?

Theodora
Has anyone had any experience with Arcadia or any other clean energy service? Looking for your savvy tips, Penny Hoarders!Read More...
I endorse Arcadia Power 100%!Read More...
Thank you for all the insider info on Arcadia. I have been wondering about this but hesitant to switch to an unfamiliar company.Read More...
Last Reply By ERoberts · First Unread Post
I just moved. I also sold all of my furniture in hopes of starting fresh in my new space. However, when I began to build up my bookmarks online with pages and pages of couches, rugs, and new bedding I found myself to be faced with a dilemma. Should I splurge on furniture that I love and know will last me a long time, even if it will set me back budget-wise? What happens if I am in the same situation a year or two from now where I have to clean house again before I move? My question to you...Read More...
Having moved more times than I care to admit...I think it depends on your financial situation. I don't think I would go into debt for furniture. Check Facebook Marketplace, LetGo, etc. You can find some great high quality furniture.Read More...
When we purchased our 1st condo, we bought furniture that we loved & would last. We still have most of it now that we are in a house nearly 18yrs later. We have added some items, re-purposed some items & gotten rid of some that didn't work for us anymore. Oddly enough, my parent & my in-laws had maple wood kids furniture that is very similar and they kept it after my husband & I moved out, so it was perfect that we got it for our kids. We have inherited some pieces that we...Read More...
Last Reply By MrsD08 · First Unread Post

But, can my dog come?

Melissa
I'm a massive dog lover. Seeing those puppy dog eyes when I leave for work in the morning is soul wrenching. So when the weekends roll around, I make it a point to spend as much time as I can with my pup. Sadly, I'm finding it a little difficult to 1. Find places that are dog friendly and 2. Find places that don't charge admission (parks, beaches, fairs and markets). Does anyone have any recommendations or resources to find canine and budget friendly activities?Read More...
Bringfido.com is the only site you'll need! Here is a link to restaurants in St. Pete you can bring Coco to: https://www.bringfido.com/rest...nt_petersburg_fl_us/Read More...
Last Reply By ERoberts · First Unread Post

EZ As 1-2-3 Healthier Snack Attacks Cravings & Savings

What are some of your favorite inexpensive snacks? Have you ever noticed that the sale price on name brand potato chips at $2 a bag (8-10 ounces) are 20 to 25 cents an ounce, or $3.20 to $4.00 per pound? Now, hey, I get it... they're pretty darn good... but "betcha can't eat just one" was a Lay's Potato Chip slogan for a long time and a definite truism. I won't get into the nutritional data behind chips nor will I present that the healthier Baked Lays products are not only more expensive but...Read More...
I think identifying why you get snack attacks is a good place to start! For example: sugary cravings mean you are dehydrated and need a glass of water. Eating more substantial meals that are packed with nutrients can slash your snack budget altogether! I find that if I have snacks at home I'll eat them all at once, so I reserve special treats like dessert for whenever my boyfriend and I go out to eat!Read More...
I think frozen fruit is another great alternative. Especially in the winter months, when the fresh fruits are out of season and expensive. I love putting frozen blueberries in my oatmeal for breakfast!Read More...
Last Reply By ERoberts · First Unread Post

Skin Care

Ethomaswh
Every lady and some gentlemen know how expensive skin care products are. For the last several years I have used baking soda as an exfoliating scrub. It is wonderful and gentle on the skin. You can use just on face or all over the body. Similar store scrubs are very pricey and have all types of chemicals added, baking soda scrub is just soda and water, very pure. This is a sure way to save money on skin care.Read More...
I had severe cystic acne throughout my teen years and used every skin care product on the market with prices for each item ranging from $30-$180. Nothing worked. It wasn't until I randomly washed my makeup off at a yoga class with SoftSoap Antibacterial Hand Soap that by the next day, ALL of my blemishes had completely disappeared. I have used nothing else since. The cost for each bottle? $2.00. Now that I'm getting older and my skin has been consistently clear for around 5-6 years, I do...Read More...
Thanks for sharing! This sounds like something my wife would be interested in. I will let her know about it!Read More...
Last Reply By ERoberts · First Unread Post

Name Brand v. Store Brand

FreebiePharm
So, I saw this online and aside from the laughter it evoked, it started a thought process... My family is pretty in tune now after years of my effort, at eating store brand items; however, I would love to substitute more branded items in my household. Does anyone have any tips or hacks in this area? What are some switches you have made at home?Read More...
Hi Nicole! I believe they are located across the US! Enjoy!Read More...
I'm in Canada & we don't have Trader Joes here but every time I go to Seattle, I make sure to stop & pick up lots of great items! Are they located all across the US?Read More...
Last Reply By ERoberts · First Unread Post
Share a tip / Ask a Question
Post By Email

You can also post new topics to this forum via email. Just compose your topic and send the email here: [email protected]

×
×
×
×