Tagged With "Save Money"

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Re: Mental hacks to help you save money?

Bonnie Squires ·
hi i'm starting to learn about coupons to save money. all so like at holiday time when i see some thing i want i'll tell myself that it will be on sale after the holidays. well i did this year and when things was 50 percent off i still didn't buy any thing. even throw my daughter kept bugging me for thing i still didn't give in. than at 75 percent it was still a no i didn't need it. but when things dropped to .13 and .12 cents than i got my daughter a couple of canning jars and the store...
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Re: Mental hacks to help you save money?

Jules ·
Hey Caitlin, I love your point about hacking your reward system. That's a really great tip I'll have to implement, especially for working out and even getting up in the morning. (I work late some nights and don't get to sleep till 1 or 2 then I have to be up by 8 for my next shift. Mornings are brutal for me, and it's either get up on time and catch the bus, or enjoy a - not so blissful - stress filled twenty minutes of trying to convince myself to get out of bed before I have to pay for a...
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Re: Mental hacks to help you save money?

Moore Income ·
I have heard of the "cooling period" principle before and it is something that I need to implement more myself. One mental hack I have been trying to train myself to think about is how little stuff I actually need and use. By placing less importance on the things I own and more on the experiences and people in my life, I in turn have the desire to purchase less stuff. This saves me money and also turns my mind in the opposite direction and gets me thinking about how I can get rid of stuff or...
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Re: Mental hacks to help you save money?

BeckAtsila ·
I am an hourly worker, so I calculate how many hours of work I'll have to put in to be able to afford my purchase. My advice for anyone, but especially poor people such as myself, is don't think of yourself as a temporarily embarrassed millionaire. You don't have to have the latest gadgets, fashions, and other things you can't afford. Learn to say "I don't freakin' need it."
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Re: Mental hacks to help you save money?

Bonnie Squires ·
@BeckAtsila you are so rite about saying i don't need it
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Re: Mental hacks to help you save money?

Deon Christie ·
With all the great advice, it's almost impossible to add more ideas. Therefore I would go with mindset, because there is a fine line between want and need. Then there is also bulk options with buying groceries for instance. Now I'm not sure about the US, but we have stores like Makro for instance where you can buy in bulk. In some instances everyday items can be almost 50% cheaper that in ordinary grocery stores. And yes, I know not everyone can afford to buy in bulk. But trust me, work your...
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Re: Mental hacks to help you save money?

Nicole ·
I love to make it a game to not spend money for our day to day activities, by using gift cards I win or earn with points, redeeming rewards, coupons, etc. Last August while my oldest was on a free kids city tour for the day (he got lunch, snacks & tons of useful swag), I was able to treat my youngest to a walking foodie tour of our town. We got fries, cookies, ice cream & slushies from different locations, played in a couple parks & skipped rocks in the river. I'm trying to plan...
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Re: Mental hacks to help you save money?

ERoberts ·
I like to call my mental hack for saving money a "lifestyle diet". I quit all of my indulgences like going out to eat, late night J. Crew purchases, and morning cup of Kahwa COLD TURKEY and replace them with creative, frugal substitutes. Pinterest will provide you 100 different ways to use your crockpot you never knew existed. Pinterest will teach you how to style your old sweater by tucking it into the bottom of your bra strap, add a beret and voila! Chic! Is that new?! Pinterest is...
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Mental hacks to help you save money?

Caitlin Constantine ·
Hi everyone! I was just editing a piece of content about using direct deposit to boost your savings, and it caused me to wonder what tricks and mental hacks you all use to help you save money or cut back on spending. I have two that I use: 1. I hack my reward system. This is something I picked up from the Calm app (which I am obsessed with and use every day!) The idea is to make your brain's reward system to work for you by refocusing yourself on what will really bring you some lasting...
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Saving money

Med007 ·
The first step to saving money is to figure out how much you spend. Keep track of all your expenses—that means every coffee, household item and cash tip. Once you have your data, organize the numbers by categories, such as gas, groceries and mortgage, and total each amount. Consider using your credit card or bank statements to help you with this. Bank of America clients can use the Spending & Budgeting tool , which automatically categorizes your transactions for easier budgeting in the...
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Re: Saving money

MiniPantherMom ·
The Every Dollar app is also a great budget app! Very easy to figure out, and you can add customized budget categories and it tells you when you’ve gone over your budget.
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Re: What has been your money epiphany?

Moore Income ·
The moment I recognized the need to save money was when I finally took the time to take a close look at where I was financially. Before, I had avoided looking deeper at my finances than just checking the balance of my checking account. More than just saving money, this really woke me up to the fact of how little I knew about managing my money. This caused me to start saving, investing and working on a plan to eliminate debt. It also sent me on a journey of searching for knowledge about how...
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Re: What has been your money epiphany?

Deon Christie ·
I have to be honest and say during my late 30's. Been a bit of a wild one before that, and never gave the "rainy day" much thought. Especially going through the DJ stage after finishing my diploma as an Electrician. A method that works quite well for me is a linked bank account to stash a little something with each payday. And of-course my Payoneer account linked with Bank of America. The profit I generate on the internet then goes into this account. That's two methods I use to have a little...
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Re: What has been your money epiphany?

Sid ·
Excellent! Forced savings is number 2 on my "Road to financial freedom journey" list. I find apps such as Stash and Acorns to be extremely useful. Oh and by the way, what kind of music did you play as a DJ?? Best, -Sid
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Re: What has been your money epiphany?

Sid ·
Hey there, I can kind of relate to your story. Piles of debt mounted and then I realized, oh ****, something needs to be done about it. All the best for this beautiful journey!! -Sid
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What has been your money epiphany?

Sid ·
I'm just curious to find out what has been your aha! moment when you realized a cool way to save money? When did you finally decided that now is the time to stash some money for rainy days?
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Re: The Financial Benefits of Living Your Best Life

Briana ·
I love this! I've actually created a weekend routine out of finding a free yoga class in town -- luckily in St. Pete, most of the places where free yoga is held there are beautiful parks or Saturday markets nearby to walk around in after! Free workout, sunshine, and company. What could be a better way to spend a Saturday? A few girls and I opt to stay in sometimes on Friday nights and hold a book club, where we can cook dinner, drink wine and talk about the latest book we're reading. Another...
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Re: The Financial Benefits of Living Your Best Life

ERoberts ·
I am also a free-yoga finder! I'd love to join your wine book club!
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Re: The Financial Benefits of Living Your Best Life

Briana ·
Yes! And we'll also have to trade free yoga spots -- I'm always looking for new ones!
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Re: The Financial Benefits of Living Your Best Life

Moore Income ·
I can appreciate your viewpoint on this topic. Far too many people waste time on trivial things not realizing that they are wasting away the most valuable thing in their life! My wife and I bought one when we moved into our apartment but we rarely use it. One day my friend came over and asked me why we still had the "yellow energy sticker" on it from when we bought it. We realized we actually use it so little we didn't even realize it was there and didn't take the time to remove the sticker...
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Re: The Financial Benefits of Living Your Best Life

ERoberts ·
Haha! Yeah, I think leaving the sticker on is a clear sign that the TV isn't sparking too much joy into your lives! That is awesome that you and your wife have taken the time to consciously acknowledge which items/activities will help you reach your dream of travel and which are hindering it! Looking forward to hearing more from you!
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Re: The Financial Benefits of Living Your Best Life

Bonnie Squires ·
For me I'm home most of the time with my husband because he needs 24/7 care but i'll be getting a library card and checking out some books to read. To i got a bum knee and need that checked out having problems walking. I use to walk allot its one thing i loved to do and it kept the weight off of me.
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Re: The Financial Benefits of Living Your Best Life

Leah Caldwell ·
I like everyone idea here..I been house bound for 2 years now and going crazy in the house..I really only get out is when I'm going to my trillion of doctors...I'm more mobile now than I had been in 2 years... I want to enjoy life like I used too before my illness set in...I'm in the house too much and it is depressing..
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Re: The Financial Benefits of Living Your Best Life

ERoberts ·
Hi there, Leah! I am sorry to hear that. Sending you healing thoughts for a speedy recovery! Maybe when you have doctor's appointments in the future, you can research a coffee shop or new lunch spot that looks good to you and plan a fun event around it
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Re: The Financial Benefits of Living Your Best Life

Leah Caldwell ·
@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..
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Re: The Financial Benefits of Living Your Best Life

Anna Matetic ·
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.
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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:...
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Re: Confessions of a Shopaholic

Lisa Eichinger ·
@ERoberts , I am a women, but dislike shopping. I get those urges maybe a few times a year and I'm like "let's go shopping", after about an hour I am over it. However, I am one of those people that will bundle my Kohls coupons and Kohls Cash and go on the most beneficial day (where all the coupons can be used). My fiancee is so shocked that I can take a $110 bill and only pay $25 after all of the coupons and such. I don't like to spend more than a certain amount on clothes or shoes. I cringe...
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Re: Confessions of a Shopaholic

Shannon H ·
I'm not a material girl.... my only splurge is on shoes as I buy great quality cross training shoes as plantar fasciitis in both feet.... I dislike clothes shopping so I avoid it unless I need to replace something that I've worn out. I have 1 very nice purse that will last many many years.
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Re: Confessions of a Shopaholic

ERoberts ·
It's awesome that you have devoted splurges to things that you know will bring you comfort and last for a long time!
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Re: Confessions of a Shopaholic

Maureen Sullivan ·
I have found the best way to escape this “buy more, save more” mentality is to unsubscribe from all brand emails. When I plan on “big shopping” ( clothes, shoes, holiday) I sign up for whatever will send me a coupon/discount then I unsubscribe after I use the discount. I find avoiding temptation all together the best way to stay in budget.
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Re: Confessions of a Shopaholic

Kirsten Cherry ·
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...
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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...
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Re: Pay More to Buy Less: Thoughts on Quality Over Quantity in the Home

Former Member ·
As a renter, I like to splurge on items that I know can come with me wherever I land next, like cookware and small appliances. But that doesn't mean spending money just hoping something will hold up over time. Before buying practical items for home I like to check out Consumer Reports and Wirecutter - sometimes quality isn't too expensive! I also like to check out photos for estate sales if there are any teasers posted on Nextdoor before the day of the sale. I got a really durable, pretty...
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Re: Pay More to Buy Less: Thoughts on Quality Over Quantity in the Home

Moore Income ·
I am starting to approach this from a much more minimalist approach. Even though I don't have a lot of stuff to begin with, I have found that I just naturally start to accumulate stuff including household items and even furniture. Ultimately, a lot of this stuff just ends up taking up space for the sake of taking up space. Whatever you decide to buy, just make sure that you will consistently use it, or else it will just end up taking up space .
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Re: Pay More to Buy Less: Thoughts on Quality Over Quantity in the Home

ERoberts ·
Thanks, @Former Member and @Moore Income ! I particularly agree with Moore here. My new place is considerably smaller than my last and has more built in features which is a nice space saver (and I don't have to purchase storage)! I love the minimalist look and it has proved much easier to clean. I'll occasionally find myself lusting over a chair or an ottoman I see online, but then I remember how I am perfectly happy with my couch and can't be sitting in two places at once! Thanks again!
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Re: Pay More to Buy Less: Thoughts on Quality Over Quantity in the Home

Former Member ·
"Can't be sitting in two places at once" This made me laugh! It's true though!
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Re: Pay More to Buy Less: Thoughts on Quality Over Quantity in the Home

Nicole ·
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...
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Re: Pay More to Buy Less: Thoughts on Quality Over Quantity in the Home

MrsD08 ·
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.
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Pay More to Buy Less: Thoughts on Quality Over Quantity in the Home

ERoberts ·
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...
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Re: Energy saving -- via Arcadia Power or any other similar service?

Former Member ·
I signed up for Arcadia about six months ago. It's easy to use, and they usually offer an initial signup perk or referral bonus, but otherwise I wouldn't say I'm saving money. I'm paying pretty much the same I did with my old utility service, but I know that half of my usage is "clean". Customer service is great so far.
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Re: Energy saving -- via Arcadia Power or any other similar service?

Isabel ·
Can anyone tell me if Arcadia Power is a replacement for the utility company I have right now which is Florida Power & Light? Or is it a compliment to it hopefully saving you money? Does it cost anything? Does it change the way you use energy at home? Thank you.
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Re: Energy saving -- via Arcadia Power or any other similar service?

Former Member ·
From what I understand it replaces your current power company. So, you pay your bill to Arcadia but Arcadia works with your power company to make sure your lights stay on. You pay a regular bill, but you don't pay extra for your energy consumption unless you choose the 100% clean energy option, which will cost a bit more per month. It doesn't change how I use my thermostat at home, but it changes who I pay the bill to and how I look at my energy consumption on my monthly statement (which...
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Re: Energy saving -- via Arcadia Power or any other similar service?

Former Member ·
I should add, because my signature isn't showing up: I'm a writer at The Penny Hoarder, but I'm not a part of the team that evaluates and writes about partners like Arcadia. I'm just a regular ol' customer in this case.
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Re: Energy saving -- via Arcadia Power or any other similar service?

Isabel ·
Thank you Lisa. I inquired and I don't think it will lower my expensive bill at all unless I refer people and maybe some of them sign on. I think it will be more of a problem for me to have to pay my utility company through some other company.
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Re: Energy saving -- via Arcadia Power or any other similar service?

Former Member ·
Theodora, have you looked into a budget plan with your current energy provider? Apologies if you have already done this, as I know a lot of them are promoted pretty well. I wasn't able to carry my budget plan (which gave me a steady bill through the year instead of seeing seasonal fluctuations) over to Arcadia. Luckily I could see my usage enough to be able to tell when my high and low billing periods would likely be, so I could plan for them. But budget billing programs are where it's at!!
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Re: Energy saving -- via Arcadia Power or any other similar service?

FreebiePharm ·
Thank you for all the insider info on Arcadia. I have been wondering about this but hesitant to switch to an unfamiliar company.
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Re: Energy saving -- via Arcadia Power or any other similar service?

ERoberts ·
I endorse Arcadia Power 100%!
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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!
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Re: Are DIY Projects Worth Their Price?

Nicole ·
I haven't tried either but would be interested to know if it is worth it!
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