Please post your best $$$ saving tip on ANYTHING...

<p>I don’t generally spend money to save money
I will buy a membership ( family) at costco- but I wont buy anything more than I was going to- in the first place-
I don’t buy 3 get one free, unless it is something like toilet paper.</p>

<p>( I used to do my own hair- but then I was a professional- however it is hard to do your own hair- and a couple weeks ago I broke down and spent $200 to have my hair cut and colored and it was worth it- but I figure that averaging that over 25 years of doing my own I came out ahead- now I just have to figure out what I can cut down on to justify going back in a couple months :slight_smile: )</p>

<p>This is interesting, although perhaps not relevant for those of you who are super disciplined and/or have kids who provide their own spending money. I know a mom of three teenagers who stands in line at the bank to get only $5 bills to give when her kids need $ for lunch, etc. and finds that her $100 lasts a lot longer than when she gives out a larger bill and asks (and often forgets to follow up) for change back.</p>

<p>Ok here is a dog $$$ tip</p>

<p>If your dog ever gets mange (mite eggs laid in the skin), vet visit and the prescription is VERY expensive (the Rx alone is a few $100 bucks - since the cheaper Rx was taken off the market.)</p>

<p>When my little dog got mange last summer (from where, we don’t know) it was AWFUL – she had bare, raw areas – awful. I learned about a cheap home treatment that worked right away!!!</p>

<p>Mix 1 part Pantene (or Equate generic) 2 in 1 moisture shampoo/cond
with 1 part Original scent Pinesol (must be original scent)</p>

<p>Wet dog all over. Use a generous amount of the mixture and suds the dog all over. Leave it on for at least 30 minutes. Rinse.<br>
(During the 30 minutes, I wrap the dog loosely in a towel and hold her)</p>

<p>Repeat every other day for a week. Then repeat weekly until healed.</p>

<p>Within a day or two, all the yucky mange will turn dark (that is good.) Then the mange will fall off and healthy skin and fur will return(altho some types of dog fur can take up to 3 months to return – my dog’s fur came back within about 2 -3 weeks).</p>

<p>Your dog will sleep a lot at first after the first treatment because he finally is getting some sleep (sleep debt from all the itching).</p>

<p>the reason this remedy works is because the Pinesol has Eucalyptus oil in it and it is a natural insecticide. the pantene 2 in 1 is to protect the skin and moisturize. (Do not let your dog lick the mixture and do NOT use Tea Tree oil as an alternative since it is too strong for your dog.)</p>

<p>Cost of home treatment: less than $6 … Vet/Rx alternative: $$$$</p>

<p>(If your dog has long hair, first trim the hair around the sore areas so that the mixture can really get into those areas. but also be sure to get the mixture all over the dog (not in eyes))</p>

<p>similar to the lady who gets $5 bills from the bank.</p>

<p>When at the grocery store, I ask for small bills, too ($1s and $5s) plus quarters. Then I can give the kids almost exactly what they need becuz I always forget to ask for the change back.</p>

<p>Well - I’m a huge fan of asking for discounts everywhere, even if it seems impossible or unlikely going in; just this weekend, I was in a store, there were some beautiful silk blouses; I asked the manager if I could have a discount on the purchase of more than one, and she immediately offered 25% off, so I bought two. Later the same day, I met D at a national auto repair chain, and asked them to replace all four tires on her car, plus oil change, air filters, alignment, etc. They called an hour or so later, there was a ball joint needing replacement. We had a discussion; I asked for price breaks; bottom line, I got four new tires (excellent name brand), alignment, oil change, air filter, ball joint, good tire mounted on rim so that she would have a real spare and not a donut, new wiper blades, just under $400.00, including labor, tax, etc.</p>

<p>Same weekend I asked for a discount off a beautiful skirt and was offered 15% (didn’t buy it - was too expensive even with the discount).</p>

<p>Ground rules are always ask very politely; never ask in front of other people because it puts the other person in a difficult position; never ever ask for too much or take advantage of a person - some retail businesses are operating on thin margins; always be complimentary with the request. For example, I never ask for discounts for negative reasons - for example, I’ll NEVER say “this has a thread hanging or a stain therefore can you cut the price”, rather, I’ll phrase it very positively: “these blouses are just beautiful; would you consider a discount if I wish to buy more than one?” - etc. There are “fun” ways of asking for discounts too “will you consider a mother-daughter discount” etc. Most people are receptive to positive, pleasant, complimentary statements and questions and so if there’s some trick available to give a price break they’ll generally find it. (With the car, I said something like "the reputation of your shop is so wonderful that I’d really prefer to have you do this work rather than our other mechanic; would you consider…etc.) </p>

<p>Of course, always be very gracious and give something back for the discount (loyalty, bring other friends on the next visit, refer people, etc.). </p>

<p>Also, if the person says “no”, never argue, just accept the answer, smile and thank them. Maybe they cannot do the discount this time but perhaps they will be able to do so next time. Last, I’m always prepared to walk away; there isn’t any item of clothing, or event ticket, or car or house that I’ll die if I cannot have.</p>

<p>As to other stuff, I view time as even more valuable than money - one can always find ways to make more money, however, time is not a renewable resource, and once it’s gone, it’s really gone. Therefore, since I hate seeing my time hemmoraged away in grocery stores, auto repair places, etc., I’ll buy in bulk, take the time to build relationships so that my car or whatever is at the front of the line; I make sure I’m top of the list for loaner cars, etc.</p>

<p>There’s a book called “Millionaire Mind” or something like that - I read it years ago, and it talks about the relationship of time to money re grocery stores, clothing, etc.</p>

<p>Does anyone have any good tips for saving $ for kids school lunches that don’t take a bunch of extra time?</p>

<p>I know that making smaller bags of stuff (cookies, chips, etc) from larger bags is cheaper than buying the individual bag sizes.</p>

<p>I used to let my kids buy their lunches at school when they were little because it wasn’t too expensive, but now high school lunches can run about $4 - 6 bucks each day for each kid!!! Too much!</p>

<p>I agree that time is $$$ so I like tips that don’t take a bunch of extra time (Time which is better spent on CC… Ha ha!) </p>

<p>I love “one pot dishes” because they save time on clean up
I love EZ crock pot recipes because they do the same.</p>

<p>since time is money… Please include any time saving tips that you also have. Beauty hints are always welcomed!!!</p>

<p>I put lotion on my hands before putting my garden gloves on. And even if I don’t use garden gloves, the lotion makes it easier to wash off any dirt that I get on my hands.</p>

<p>On my hands… EVERYDAY, I use a hand lotion with a sunscreen becuz hands show your age faster than your face does! – wrinkles, redness, sun spots.</p>

<p>Don’t watch TV. All those commercials are intended to make you want stuff.</p>

<p>Don’t shop recreationally. If you don’t go to the store, you won’t buy stuff. (Don’t shop recreationally on the internet either.)</p>

<p>Drive gently–accelerate gently, brake gently. Your brakes will last longer and you’ll get better gas mileage.</p>

<p>“Use it up, wear it out, make it do, or do without.”</p>

<p>Shop for stuff you must have on Ebay and ABEbooks.com (used books).</p>

<p>I love this thread!</p>

<p>1) I used to cut everyone’s hair in the family. I still do H’s, S’s gf does his. My sister trims mine.</p>

<p>I’m also settling into gray quite contentedly–doing the gray temples thing now, my D says it’s very cool.</p>

<p>2) Gave up make-up–what’s wrong with women’s faces, anyway?</p>

<p>3) Joined a CSA-community supported agriculture. Pay up front in the spring, get tons of locally grown organic vegetables all summer long.</p>

<p>4) Grow some of our own, too. Along with strawberries that H makes into mead. He brews his own beer, too.</p>

<p>5) H also bakes bread, and grinds the wheat himself, so it’s pennies a loaf.</p>

<p>6) walk, bike when possible–free exercise and no gas</p>

<p>7) Coupons and store specials are key</p>

<p>8) Library!</p>

<p>This might sound obvious, but don’t go over the minutes on your cell phone plan. Excess minutes are charged at somewhere in the range of 35 to 45 cents a minute. On the same cell phone note, get the same carrier as your closest friends/family so you can talk all the time and have it be part of the free package. My Verizon friends get the most calls from me.</p>

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<p>I agree that the commercials are too appealing, so I TiVo EVERYTHING so I can zip thru commercials – that also saves time. Also, since I TiVo everything (put any favs on a season pass), I can watch what I want late at night while folding laundry or doing some other “sit down” chore.</p>

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<p>Would someone please tell my H this!!! I have been telling him for years (my parents taught me this tip). He does “jack rabbit” starts and goes thru tires becuz he doesn’t slow down (take foot off the gas) when he sees that an upcoming light is red or yellow. It wastes gas, burns thru tires, wears the break pads, etc. </p>

<p>Also, change your oil more frequently than “recommended”!</p>

<p>As soon as my kids get their summer reading book lists I try to get as many as possible “used”. I just got one for 32 cents!</p>

<p>Since they need them for school, too, we can’t just check them out at the library. They need to have their own copies. Plus, school wants them to write in them.</p>

<p>Also, change your oil more frequently than “recommended”!</p>

<p>I think that would depend on your car and how you drive
Also we do our own oil changes as shop doesnt spend enough time just letting it drain.
<a href=“http://www.komo1000news.com/consumertip/story.asp?ID=43089[/url]”>http://www.komo1000news.com/consumertip/story.asp?ID=43089&lt;/a&gt;&lt;/p&gt;

<p>My BMW uses synthetic oil and BMW is very specific that it should NOT be changed more than every 15K miles; my husband’s Nissan recommends changing the (regular) oil every 3000-7500 miles, depending on the kind of driving.</p>

<p>I get all our movies on DVD from the library. I haven’t paid to rent a movie in probably 2 years. To get new releases I put it on hold on their website with my card. </p>

<p>The drawback is that I can’t go pick out a specific movie immediately, but have to wait until it comes in. We are so busy with sports and other stuff that the time flies though.</p>

<p>When my kids were younger…Before we went on vacations or entertainment places, etc, I’d tell the kids ahead of time what they can expect ahead of time… such as how much they can spend on a souvenir and when that can be purchased. I would also tell them ahead of time what the eating/drinking/snack situations are going to be. (I also tell them this before going to the mall, movies, etc)</p>

<p>When we went to WDW 6 years ago, the boys knew that they weren’t going to get some drink/snack/ice cream at the various kiosks that they have set up everywhere. I let them get one ice cream a day (July!!) and only in the mid afternoon. We had some granola bars in our pockets for snacking and each had a water bottle on a strap that we would refill at the many locations available. Sodas are $$$ at WDW!</p>

<p>by letting kids know ahead of time what “the plan” is, there is less moaning groaning etc.</p>

<p>AND, if you vacation with other families, it’s wise for the adults to “pow wow” before and agree to some common rules about these things. We went to WDW with my bro and his kids and having the same rules about snacks, drinks, souvenirs made everything go more smoothly since all the cousins were treated the same.</p>

<p>For the few times we actually go to a movie theater, we always go for the matinee and bring our own snacks. Cargo pants are good!</p>

<ol>
<li><p>We use hotwire for airline and hotels and car rentals. Also use orbitz for airline “price giudes” with an alert when the price dips low and then go to each respective airline online for a possible lower price. For example was able to get DD her roundtrip ticket from RDU to ABQ for under $149 including tax and security, cheaper than Southwest’s online fare sale. Kiddos’ also have credit cards at low, low APRs with rewards and some of them with reward miles.</p></li>
<li><p>Library- all kids have accounts, so if they check out a book and then the other sibs request it so the time is extended for when it is needed for a semester. Works at our local county library and DD’s state university and its grad school libraries as well. She has only needed to purchase 1 book in the past 3 semesters. Have used half.com and ebay when necessary. </p></li>
<li><p>Coupons - used in conjunction with weekly grocery sale ads, Sunday circulars and clearance items at Target, Walmart, grocery stores. Sale items at Sam’s Club ending in .81. End-of-the-season sale for all holidays, clothing season, 75% and 90% off at Target and Kmart. DD needs swim suits (speedos, TYR, adidias, Nike) for her sport so we usually buy them at Marshall’s TJ Maxx, and Ross for 12.99 in the beginning of the season and for under $7 at the end when they are on clearance. They are last season’s stock, but she could care less, compared to the $69 and $79 each they usually are.</p></li>
<li><p>Keep a running list in my purse of things kiddos’ will need in the coming year and if it pops up substantially reduced (key word substantially) then will purchase and put it away. With 5 of them, scattered all over with different interests, sports and climate needs this has proved very, very cost efficient. Parkas and boots in the summer, summer stuff when we are all freezing our behind’s off. Buy exactly what they will need and LIKE and nothing else. On the list I keep sizes, likes and dislikes and how much I want to spend. List includes things like socks, watches, shoes, coats, dresses, school supplies, linens, household goods, electronics…</p></li>
<li><p>Coupons if we eat out, which is very rare. I buy our bread goods at a bread outlet, so we usually have loaves for under $.25 each and I don’t spend time I don’t have baking. Meat is bought on sale or marked down and in large quantities when it is a really great price, so I bought a large deep freeze years ago on sale, which made its cost up in the first 6 months.</p></li>
<li><p>We have an older car with many miles but we all take very good care of her, and I am the only driver, so our insurance is very, very low, as is our repair bills. Again, very, very low. No tickets or accidents in 26 years.</p></li>
<li><p>We moved from one side of the country to the other. The cost of living in Cali was just too high and we researched our best options and moved ourselves, Uhaul 3000 miles away (bargained for a lower price on the trucks, moved during the off-season Nov. and used a coupon from a competitor). Kept our job opportunities open and wanted a solid state university system for a low cost. All our costs came down.</p></li>
<li><p>Kiddos’ sports ECs that required private coaching/lessons/tutoring all were bartered for by them. They would help coach the younger kids, referee, manage the concessions, fund-raise, whatever it took to pay for the fees associated with club sports, league fees and uniforms.</p></li>
<li><p>We buy generic when it is a good value, which is most of the time. However, there are exceptions to this rule on particular items which have proved themselves over time. Laundry detergent from Sears, low-suds, in the huge box, when it is buy-1-get-1-free with an additional store coupon, lasts us at least 6 months and works better than any of the leading brands and is easier on my washer. With 5 kiddos it is always running!</p></li>
<li><p>We always send in our rebates, price match at our local Super Walmart for EVERYTHING, keep receipts organized for at least a year (so I know how much I paid, and when the sale started), and save all our loose change in a big, fat, pink piggy. The PIG is our holiday money that nobody counts on. For years and years it has always been a wonderful surprise at Christmas time.</p></li>
<li><p>And much to my relief and happiness the kiddos’ have never wanted name-brand anything, so over the years we have managed to save money on items which would have prevented us from doing other things. Before we moved I was on the mailing list for our local Goodwill. Every month they would have specials, like $1 shoe day, $1 shirt day, $1 pants day, or $3 coat day. Goodwill is the recipient of Target goods which are over-stock, and other local stores to their respective areas. This store received new furniture from some retailers as well. So for quite some time, and even now we have a good stockpile of new shirts, pants, shoes, boots and coats. Sons and daughters both did not care where I bought their stuff as long as it fit and did the job.</p></li>
</ol>

<p>I am sure I have forgotten a ton more!!!</p>

<p>Kat</p>

<p>kat: </p>

<p>I’m sure with your brood you’ve been able to come up with a heap of ways to save $$$$. thanks for sharing. Add more when you think of them!</p>

<p>What do you do for school lunches? What do you include?</p>