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Advice Request: How do you save money on expenses?

 
DuckNCover

User ID: 77927596
United States
12/27/2019 12:55 AM

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Re: Advice Request: How do you save money on expenses?
I'd be really interested to hear about insurance options like Homeowners and car insurance.

To be honest I know nearly absolutely nothing about my homeowners insurance. When I signed for the house there was some paperwork and that's the last I've seen of it! The cost is built into my monthly mortgage roll.
Apparently it's designed to be "out of sight, out of mind" and overly complex.

Between purchasing directly from a company to dealing with a broker, I'm lost on where to even start.
 Quoting: SoberLife


I use State Farm, they are the least expensive when it comes to home and auto insurance. Also check out bundling...

Depending on the State you live in and if you live rurally, you can change your dwelling to a homestead or farm. You can save a lot that way too...
Anonymous Coward
User ID: 66619947
United States
12/27/2019 12:56 AM
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Re: Advice Request: How do you save money on expenses?
I'm looking for suggestions on how to save money on expenses.

Things have become very tight and I'm trying to tighten the purse strings.

I know a lot of people use coupons to help them stretch their pennies further. I'm interested in this but not sure where to start. Is there a website I need to be aware of?


--
I have Verizon wireless and pay for two phone lines for myself and my girlfriend. I just saved $65 a month by changing our plan from unlimited to limited data. If I go over the data, there are no additional charges. they throttle the connection. Which is fine because I'm connected to WIFI all the time anyways!

--

Does anyone have any creative ways that I can use to achieve my financial goals - which is above water and independent from debt!
 Quoting: SoberLife

Right now you could be reading a book instead of wasting electricity on the internet.
Anonymous Coward
User ID: 78280593
United States
12/27/2019 02:01 AM
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Re: Advice Request: How do you save money on expenses?
Take all your monthly and weekly expenses and multiply them out to see the annual cost. See what you are spending per year on tv, phones, ciggies, booze, pizza, etc. This will have the effect of making you realize that a little bit here and there adds up to a lot over time.

Then look at where you can cut back.
CestLaVie
User ID: 78090287
United States
12/27/2019 02:06 AM
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Re: Advice Request: How do you save money on expenses?
You have the right idea. Auto Ins.combine with home as said above. Also raise deductible. Check all your coverage. Also as above save- it is called auto-deposit. 25 50 or more per paycheck, straight into savings, you wont notice it til you need it.
Also as above you must cook to save money.
Dish towels, cotton, not paper towels and napkins.
Use less shampoo and conditioner, laundry soap, dish soap, all that, people use too much. Cleaners are cheap as in bleach, vinegar, lemon juice,ammonia, lime away, LAs awesome, comet, etc. Never ever use together!!!dilute one in small amounts and you can clean anything cheaply.
Thrift stores often have new clothes with labels or looks-like new clothes. They have sales for gifts and stuff too. Shoes, coats, buy on sale or ask for gifts.
Make one trip. Make a big circle and do errands at once.
Save stuff labeled in boxes, not go buy new! etc.
love peace,p
Anonymous Coward
User ID: 3357205
United States
12/27/2019 02:06 AM
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Re: Advice Request: How do you save money on expenses?
I'm looking for suggestions on how to save money on expenses.

Things have become very tight and I'm trying to tighten the purse strings.

I know a lot of people use coupons to help them stretch their pennies further. I'm interested in this but not sure where to start. Is there a website I need to be aware of?


--
I have Verizon wireless and pay for two phone lines for myself and my girlfriend. I just saved $65 a month by changing our plan from unlimited to limited data. If I go over the data, there are no additional charges. they throttle the connection. Which is fine because I'm connected to WIFI all the time anyways!

--

Does anyone have any creative ways that I can use to achieve my financial goals - which is above water and independent from debt!
 Quoting: SoberLife


Take the emperor of China's secret love child and hold him in Vladimir's pillow fort for ponzi ransom dollars.

Trust me, I know what I'm doing. And if I don't, I probably should find a video or book soon before we end up in a world of shit.

Oh wait, that already happened.

Regardless, as said..
Anonymous Coward
User ID: 8309545
United States
12/27/2019 01:26 PM
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Re: Advice Request: How do you save money on expenses?
Don't get marry. Remain single for the rest of your life. You'll save tons of money that way.





GLP