How do you save money?

TKDmasterZ · 10-08-2008, 8:25 PM

I am stupid. I've put too much money in the stock market and now I am getting into a survival mode. I am cutting non-essential expenses and starting to wonder what other (smart) members on this list is doing to save some money.

Here is what I've done.

1. No eating out. Eating at home can be boring but eventually becomes an art of mixing whatever's in the refrigerator. Save $500-800 monthly.

2. No more HD Cable, DVR, Netflix, Preimium Cable channels. Good bye weeds and dexter: Save $120 monthly.

3. Cut home phone service. Save $45 monthly.

4. No more new toys for the kids. They've got plenty. Save $50 month

5. Cheap lunch: 99 cent meals and microwave TV-dinner: Save $120 month

6. Regular gas instead of premium for CBR. (Not yet implemented)

:c rying:

What else do you suggest?

Grover130 · 10-08-2008, 8:32 PM

It's getting crazy out there. I'm doing the same as you, cutting corners everywhere. Starting to winterize the house, door and window seals, conserving electric and cutting back on beer consumption!

.OrgOwner · 10-08-2008, 8:50 PM

Find ways to bring in some extra income, a few bucks here and there can go long way. Get a bit creative, I have some ideas so I might start a thread on the subject.

TKDmasterZ · 10-08-2008, 9:46 PM

I am scrubbing around the house to see if I can sell anything on eBay. I've already sold some left over body parts for the CBR... but unlike you are saying... it doesn't seem to add up... I haven't cut back on the drinking though. In fact, I've been drinking more to cope with the pressure...

bonham · 10-08-2008, 9:56 PM

Ride a bicycle.

Cooking at home isn't boring if you have the proper tools and spices.

Don't sacrifice nutrition for cash. Those microwave/99 cent meals do not have what a body needs.

Budget.

Drive less.

Don't forget, the market will rebound. Panic selling might make you worse off than if you just hold your cards.

WyoJames · 10-09-2008, 12:04 AM

I don't believe #6 should be a consideration...

DaedalEVE · 10-09-2008, 12:28 AM

People are going to hate me or think I'm laim for saying this, but I live at home rent free. I don't have to worry about food, utilities, etc etc. And I pretty much get to spend all my money on whatever I want.
I WAS going to get into investing at one point (my mom even works for Ameritrade so I could get discounts on trades), but after the Enron crap I came to the conclusion that I trust myself with my money more than anyone else.
I keep hearing everyone going on about how you need that so called "nest egg" for when you retire... and the earlier you start the better.
the thing is, while you're saving that up over you're life you take a chance that some corporate jackass is going to do something stupid and cause you to loose all of that virtually overnight... which just happened to a LOT of people.

My personal philosophy is to live my life now and worry about the future when it gets here. mind you I plan for small things, maybe a year or two down the road.... but I'm not going to rob myself of the opportunity to experience things now for the hope of a "worry free retirement"... that is assuming of course 1) whoever has my money hasn't squandered it all, and 2) I'm even still alive to collect.
Between where I live and how I live, I'm not entirely convinced I'll live to see retirement. And if I do I'm going to be old and worn out, exactly what am I supposed to do to enjoy myself then that I could have done and had 10x more fun doing at a younger age?

Don't think I'm rich or anything like that. I'm lower middle class at best, and if I had to pay a mortgage, and all the other things a lot for people need to it's fair to say I'd starve to death.
That being said, I'm lucky enough that none of this financial stuff is affecting me at all. Heck, I was just approved for a loan to get new bike (at a time when the news tells me no one is lending to anyone). So I can't complain.

From the sounds of things though, you seem to be on top of it. Eliminate luxury items first. This means garage the bike for a while, maybe drop insurance if it's high enough to justify the cut, the cable like you said... though I'd keep basic service simply based on the fact that there is a lot of GOOD stuff you can learn through cable that you won't through broadcast (CNN, history, discovery, science, etc).
Everyone instinctively knows HOW to save... most just don't want to. If I needed to, I could be saving 20k a year just in savings, but then I'd never go out, never do anything, and that's no way to live.

bulldog12 · 10-09-2008, 12:29 AM

1. got new econo car (hyundai accent 3dr hatch, sport suspension B&M shift) it's a blast to drive and i get on average 33-35mpg. aprox. 8 mpg better than the car i had to replace

2. got wife a different car: traded off 02 Tahoe 4x4 5.7 liter V8 for a new (07) Ford Edge AWD V6. this vehicle kicks ass, we love it it gets nearly 8mpg better than the tahoe got

we went from spending around $1000 per month on fuel to just under $700 with those to different cars.

3. try and eat out less
4. use netflix instead of local renting (i hated our local place, didn't have uncut versions) save about $10 month not counting the gas to get/return
5. switched to walmart brand pop 12pk @ 2.50 instead of 4.99
6. off brand chips (taste nearly as good)
7. i eat lunch out everyday (i'm a mailman) i buy cheap as i can (you can make nearly anything a "combo" meal. usually saves a buck or $2.
8. 5,000 mile oil change intervals instead of 3K. and i use mobil full synth now @ $23 5qt jugs.
9. make friends with places to get discounts!!!!!!! i got a lady that hooks "me" up with bike stuff at her cost. Another lady sent me to her husband to buy my car.
10. I mow 3-4 yards for track money, tires, bike stuff. sucks mowing sunday's but usually worth it in the end.
11. LOVE my 3 kids, but WOW they are expensive.

just some stuff i do.

dicknose · 10-09-2008, 5:01 AM

Why does the share market dropping mean you need to save more?
Unless you were relying on serious income from it - whats changed?

I save money by spending less than I earn!

Seriously - you can scrimp and save a few dollars here and there but is it really worth a few dollars compared to other ways in which you can save big money (like skip some big discretionary spends like a new tv)

-Z- · 10-09-2008, 6:28 AM

I've lost over $100,000 in the market this last month.

As far as saving money goes..

I'm NOT buying the Ohlins suspension I wanted to, at least not RIGHT NOW right now.

I'm NOT doing the VFR supercharger project.

I'm using the gas price thing as an excuse to ride almost everywhere, everyday. I CAN afford 4-wheeling everywhere, but it's so much more fun to save in this way.

I'm not eating out much anymore either...trying to take the time between garagetime and worktime to cook food.

Not "going out" to clubs and bars...not really a hard change to make since it's not my scene anyways, but not doing it with friends anymore either.

Starbuck's is totally out. I've got a coffeemaker, which is a hell of a lot cheaper.

I spend more time in the garage, which means that I stay busy longer, which means I have an easier time to stay away from smoking (see "quit smoking" thread) which saves me money.

Twincam · 10-09-2008, 7:25 AM

Quote:

Originally Posted by bulldog12

1. got new econo car (hyundai accent 3dr hatch, sport suspension B&M shift) it's a blast to drive and i get on average 33-35mpg. aprox. 8 mpg better than the car i had to replace

2. got wife a different car: traded off 02 Tahoe 4x4 5.7 liter V8 for a new (07) Ford Edge AWD V6. this vehicle kicks ass, we love it it gets nearly 8mpg better than the tahoe got

we went from spending around $1000 per month on fuel to just under $700 with those to different cars.

Try looking into a Volkswagen Diesel for example a Passat... I have a 2001 Volkswagen Passat Estate (1.9TDI, 130BHP, 2001) and she will return about 60MPG on motorways and about 45ish in and around town.

Try and stay away from the newer Vw's, they are starting to make their engines hollow and it is causing problems (VW Senior Tech told me

)

Not everything is a need, its mostly want in this day and age. Many things are becoming throw away and its not cost effective to repair most things these days.

House hold appliances e.g. Kettles... I can by Tesco's Value kettles for something like £6.00, or I can get a Russell Hobbs for £30+... They last the same age (The tescos one out lived the expensive ones), they do the same thing and if they break, you can just buy another one. Same with toasters etc.

Over here we have SKY (TV) which you can pay every month for extra channels/packages or what have you, and you can also buy something called a Freeview box (name says it all)... Ok you only get 40 some odd channels, but how many do you really need? I hardly watch any TV (and I have TV on my PC too)

Food. That is one essential thing. Don't skimp. Make sure you and your family are getting good proper food, and try and stick away from fast foods and the ready meals.

Fuel... Thats a tough one... I run regular in all of my bikes/cars, to be honest I don't notice a thing... (they don't ping either)

Little bits here and there can go along way, nothing is easy, just stay strong.

Twincam · 10-09-2008, 10:04 AM

Also, was thinking a little...

It might seem like a sad or stupid idea, but coupons go a long way... You can save money off here and there for anything e.g. days out, retail goods etc. Basically anything you can think of.

Also, don't be afraid to haggle with people... I saved about £40-50 ($80-100) just by telling them I got a quote cheaper else where (even though theirs was the cheapest)... The lady on the phone had to "ask her manager", then she came back and she accepted.

FB1000inPA · 10-09-2008, 10:13 AM

If you smoke - quit, if you frequently visit bars - no more, get cases of beer at the store, turn the heat down and wear more sweaters, turn the shower off while you soap and wash your hair, wear clothe more than one time before washing (not underwear of course), and get a second job.

Twincam · 10-09-2008, 10:35 AM

Quote:

Originally Posted by FB1000inPA

if you frequently visit bars - no more, get cases of beer at the store

Saying that I used to brew my own beer... It was that cheap I could afford to drink every night and the lowest percentage I managed to get was about 4.5 and it went up to 9.0...

Now saying that, its a very risky thing to do... Basically it nearly killed me but it was cheaper...

sheepofblue · 10-09-2008, 10:42 AM

Quote:

Originally Posted by DaedalEVE

People are going to hate me or think I'm laim for saying this, but I live at home rent free. I don't have to worry about food, utilities, etc etc. And I pretty much get to spend all my money on whatever I want.
I WAS going to get into investing at one point (my mom even works for Ameritrade so I could get discounts on trades), but after the Enron crap I came to the conclusion that I trust myself with my money more than anyone else.
I keep hearing everyone going on about how you need that so called "nest egg" for when you retire... and the earlier you start the better.
the thing is, while you're saving that up over you're life you take a chance that some corporate jackass is going to do something stupid and cause you to loose all of that virtually overnight... which just happened to a LOT of people.

My personal philosophy is to live my life now and worry about the future when it gets here. mind you I plan for small things, maybe a year or two down the road.... but I'm not going to rob myself of the opportunity to experience things now for the hope of a "worry free retirement"... that is assuming of course 1) whoever has my money hasn't squandered it all, and 2) I'm even still alive to collect.
Between where I live and how I live, I'm not entirely convinced I'll live to see retirement. And if I do I'm going to be old and worn out, exactly what am I supposed to do to enjoy myself then that I could have done and had 10x more fun doing at a younger age?

Don't think I'm rich or anything like that. I'm lower middle class at best, and if I had to pay a mortgage, and all the other things a lot for people need to it's fair to say I'd starve to death.
That being said, I'm lucky enough that none of this financial stuff is affecting me at all. Heck, I was just approved for a loan to get new bike (at a time when the news tells me no one is lending to anyone). So I can't complain.

From the sounds of things though, you seem to be on top of it. Eliminate luxury items first. This means garage the bike for a while, maybe drop insurance if it's high enough to justify the cut, the cable like you said... though I'd keep basic service simply based on the fact that there is a lot of GOOD stuff you can learn through cable that you won't through broadcast (CNN, history, discovery, science, etc).
Everyone instinctively knows HOW to save... most just don't want to. If I needed to, I could be saving 20k a year just in savings, but then I'd never go out, never do anything, and that's no way to live.

I don't hate you, I pity you. You are in the position to be slightly responsible and improve your entire life by a LOT. Instead you are frittering it away and proud of it. As much as I am displeased with the current government ripoff and redistribution I will still be better off than the person that lives like you choose to. Grow up or suffer the consequences.

As to the main thread question:
This sounds simplistic and is, budget and live on less than you make. All of your items are fine but control and a plan will succeed better. Your post smells to me like panic rather than a plan. I recommend listening to Dave Ramsey for ideas and paying off things. You focus on reducing costs and that is good but what about your car? Is it paid for? Within your means? Not sure I am clear or this works but take a deep breath and use this as an opportunity to tune things but don't panic

DaedalEVE · 10-09-2008, 11:34 AM

Quote:

Originally Posted by dicknose

Why does the share market dropping mean you need to save more?
Unless you were relying on serious income from it - whats changed?

I save money by spending less than I earn!

Seriously - you can scrimp and save a few dollars here and there but is it really worth a few dollars compared to other ways in which you can save big money (like skip some big discretionary spends like a new tv)

I could spend all day going into this or that, but long story short: "People are all afraid and stuff".

It's just a matter of fear and uncertainty. I can't explain it any better than that without writing an entire paper on how the market works.

DaedalEVE · 10-09-2008, 12:02 PM

Quote:

Originally Posted by sheepofblue

I don't hate you, I pity you. You are in the position to be slightly responsible and improve your entire life by a LOT. Instead you are frittering it away and proud of it. As much as I am displeased with the current government ripoff and redistribution I will still be better off than the person that lives like you choose to. Grow up or suffer the consequences.

As to the main thread question:
This sounds simplistic and is, budget and live on less than you make. All of your items are fine but control and a plan will succeed better. Your post smells to me like panic rather than a plan. I recommend listening to Dave Ramsey for ideas and paying off things. You focus on reducing costs and that is good but what about your car? Is it paid for? Within your means? Not sure I am clear or this works but take a deep breath and use this as an opportunity to tune things but don't panic

Why do you pity me though? How am I being irresponsible? What duty, obligation, or burden am I not living up to? How are you better off? What consequences?

I know, this is off topic so I'll try to keep it short.
It's fairly easy to see you are upset with me, or to be more precise, upset due to the fact I am precluded from a lot of the stresses you have experienced. From your perspective I'm essentially getting a "free ride" to life.
I'm betting part of that is because I sounded like I was bragging, and I suppose I was to an extent. I guess I should apologize for that, but I won't, as I am not sorry at all for having things better than some.
I'm going to stop there though. I can see this quickly getting out of hand. If you want to continue the conversation feel free to PM me.

Everything topic related you said however I can pretty much agree with.

TKDmasterZ · 10-09-2008, 12:20 PM

Quote:

Originally Posted by dicknose

Why does the share market dropping mean you need to save more?
Unless you were relying on serious income from it - whats changed?

The market had provided a significant buffer for big ticket items for me in the last few years. Lately, I've been forced to pay for a few big ticket items out from cash, and has dried up my savings and into the black. I had been going to grad school in the evenings for a few years, and the tuition has been a huge burden. Also I had a couple of family trouble which I had to use cash to bail them out. Financial trouble in the news is hitting me from all angles...

BigBassTurd · 10-09-2008, 3:18 PM

I'm actually taking the market drop as a plus, because my 401k is for the long haul. Hey I may have lost 25% of my 401k, but that means I'm buying the shares for a cheaper price then before. So if you put 10% now and the market comes back it would be like investing 15-20+% the whole time. Therefore I'm buying a larger quanity so when the market comes back my money will jump like crazy. I'm only 30 so I have a long time before I can draw from this, so I'm not to worried. It really sucks for the people that are going to retire here soon and can't wait.

I put 15% of my salary in company stock and 10% into my 401k. My company stock plan gives me 15% off the market value. So I invest a lot in stock because you can't get a 15% gain on many things right off the bat.

sheepofblue · 10-09-2008, 4:04 PM

Quote:

Originally Posted by DaedalEVE

Why do you pity me though? How am I being irresponsible? What duty, obligation, or burden am I not living up to? How are you better off? What consequences?

I know, this is off topic so I'll try to keep it short.
It's fairly easy to see you are upset with me, or to be more precise, upset due to the fact I am precluded from a lot of the stresses you have experienced. From your perspective I'm essentially getting a "free ride" to life.
I'm betting part of that is because I sounded like I was bragging, and I suppose I was to an extent. I guess I should apologize for that, but I won't, as I am not sorry at all for having things better than some.
I'm going to stop there though. I can see this quickly getting out of hand. If you want to continue the conversation feel free to PM me.

Everything topic related you said however I can pretty much agree with.

"but I live at home rent free. I don't have to worry about food, utilities, etc etc. And I pretty much get to spend all my money on whatever I want."

I pity you because I did not have that chance and worked EXTREMELY hard to get well off, you have a golden opportunity to get where I am or even better but are frittering it away. I pity yo because YOU will suffer for it later, no impact to me I just prefer that others do well.

nedro · 10-09-2008, 4:16 PM

Quote:

Originally Posted by BigBassTurd

I'm actually taking the market drop as a plus, because my 401k is for the long haul. Hey I may have lost 25% of my 401k, but that means I'm buying the shares for a cheaper price then before. So if you put 10% now and the market comes back it would be like investing 15-20+% the whole time. Therefore I'm buying a larger quanity so when the market comes back my money will jump like crazy. I'm only 30 so I have a long time before I can draw from this, so I'm not to worried. It really sucks for the people that are going to retire here soon and can't wait.

I put 15% of my salary in company stock and 10% into my 401k. My company stock plan gives me 15% off the market value. So I invest a lot in stock because you can't get a 15% gain on many things right off the bat.

So you are positive that someone like Micheal Milkin is not running your 401K?
Lucky you!

soupythemedic · 10-09-2008, 4:20 PM

My wife and I have started to eat at home more often than we used to. My retirement is a STATE RETIREMENT (Hazardous Duty, 20yrs and out----I work for EMS) so I really don't have a say in that.

But as far as everything else, we usually just don't "blow" money, but I told her I absolutely refuse to let gas prices and the economy stop us from doing what WE want to do or what our kids want to do (with in reason). She wanted to cancel our past Vacation to Myrtle Beach, SC this past August because of Gas prices. I absolutely refused. Yeah, I made sacrifices because I worked and extra shift here and there, but WE STILL ARE GOING TO DO WHAT WE WANT TO. I'm not going to let this recent economy stop us. We may not "SPLURGE" as much, but we still do what we want!!

I'm not rich by all means, but we have some money in savings and I drive a commuter, a 95 protoge with chipping paint, no air, and window tint faded and peeling, but it's paid for and gets great gas mileage. She also drives a 2005 chev malibu classic, good milage and our "family" car. We have our house to pay, normal house bills just like everyone else. But like I said, We work OT if we want to do something or buy something.

Sorry for the rant, but I strongly stand by my independence and I refuse to have the economy run my life.

Destructo · 10-09-2008, 5:19 PM

For us UK people at least, there's a fairly good website for this - moneysavingexpert.com - but then we need it as we get screwed whether we spend or save!

For me it's common sense - spend wisely, if I can't but it outright I don't buy it (no credit/loans for me...apart from the mortgage!).

Cashback websites are good - I use Top CashBack - Referral - it's free to sign up to, you accrue cashback as you shop online through this site. I just got my 1st cheque for £72. If you sign up via this link I get a referral bonus too!

Look at what you really need - mobile phone contracts are a common way of throwing money away in excessive contracts that get you the latest phone.

As for a couple of bike ones, I do my own vehicle servicing, that saves a small fortune in itself!

Use road-biased tyres if you only ride on the road as well, they last twice as long as sports rubber & have more than enough grip.... for me anyway

Twincam · 10-09-2008, 5:34 PM

Quote:

Originally Posted by Destructo

Look at what you really need - mobile phone contracts are a common way of throwing money away in excessive contracts that get you the latest phone.

But saying that, it can also be a way of saving money.

I'm paying £10 a month for 300 texts and 300 mins, (you only get the sim card as you can use your previous phone) this saves money as I'm not toping up £20+ a month and also keep the house bill low as I only ring mobiles on my mobile phone.

Shop around... I'm sure you could get things a lot cheaper than they are.

Destructo · 10-09-2008, 5:44 PM

Quote:

Originally Posted by Twincam

But saying that, it can also be a way of saving money.

I'm paying £10 a month for 300 texts and 300 mins, (you only get the sim card as you can use your previous phone) this saves money as I'm not toping up £20+ a month and also keep the house bill low as I only ring mobiles on my mobile phone.

Shop around... I'm sure you could get things a lot cheaper than they are.

Agreed - that looks like a good deal to me. The key is to realise what you actually need and only pay for that. I was actually thinking of a mate at work - he has a £40/month contract for loads of minutes and texts, just to get an iPhone! He hardly uses the thing (has a work mobile too!) - now to me there's an opportunity to save if you want, I'm sure there are many others out there doing similar things

cbr900091177 · 10-09-2008, 5:47 PM

Quote:

Originally Posted by DaedalEVE

People are going to hate me or think I'm laim for saying this, but I live at home rent free. I don't have to worry about food, utilities, etc etc. And I pretty much get to spend all my money on whatever I want.
I WAS going to get into investing at one point (my mom even works for Ameritrade so I could get discounts on trades), but after the Enron crap I came to the conclusion that I trust myself with my money more than anyone else.
I keep hearing everyone going on about how you need that so called "nest egg" for when you retire... and the earlier you start the better.
the thing is, while you're saving that up over you're life you take a chance that some corporate jackass is going to do something stupid and cause you to loose all of that virtually overnight... which just happened to a LOT of people.

My personal philosophy is to live my life now and worry about the future when it gets here. mind you I plan for small things, maybe a year or two down the road.... but I'm not going to rob myself of the opportunity to experience things now for the hope of a "worry free retirement"... that is assuming of course 1) whoever has my money hasn't squandered it all, and 2) I'm even still alive to collect.
Between where I live and how I live, I'm not entirely convinced I'll live to see retirement. And if I do I'm going to be old and worn out, exactly what am I supposed to do to enjoy myself then that I could have done and had 10x more fun doing at a younger age?

Don't think I'm rich or anything like that. I'm lower middle class at best, and if I had to pay a mortgage, and all the other things a lot for people need to it's fair to say I'd starve to death.
That being said, I'm lucky enough that none of this financial stuff is affecting me at all. Heck, I was just approved for a loan to get new bike (at a time when the news tells me no one is lending to anyone). So I can't complain.

From the sounds of things though, you seem to be on top of it. Eliminate luxury items first. This means garage the bike for a while, maybe drop insurance if it's high enough to justify the cut, the cable like you said... though I'd keep basic service simply based on the fact that there is a lot of GOOD stuff you can learn through cable that you won't through broadcast (CNN, history, discovery, science, etc).
Everyone instinctively knows HOW to save... most just don't want to. If I needed to, I could be saving 20k a year just in savings, but then I'd never go out, never do anything, and that's no way to live.

i say make the most of it and enjoy it becouse it wont last forever .

cbr900091177 · 10-09-2008, 5:52 PM

Quote:

Originally Posted by Grover130

cutting back on beer consumption!

Thats just one step too far

DaedalEVE · 10-09-2008, 6:48 PM

Quote:

Originally Posted by sheepofblue

"but I live at home rent free. I don't have to worry about food, utilities, etc etc. And I pretty much get to spend all my money on whatever I want."

I pity you because I did not have that chance and worked EXTREMELY hard to get well off, you have a golden opportunity to get where I am or even better but are frittering it away. I pity yo because YOU will suffer for it later, no impact to me I just prefer that others do well.

Some may think I am wasting it, but that's nothing more than opinion based on ones own life objectives. I could do just about anything I wanted to right now, but truth be told I simply don't have the desire. I'm more or less content with how things are. The only time I ever feel discontent is when others try to tell me that this or that isn't enough.
I used to let that bother me SO much too. I was always stressing out and rushing around doing this or that out of some desire to somehow live up to others expectations. It wasn't until I learned to stop caring what other people think that I realized that I wasn't doing all this different stuff to please myself, but instead to please others.
Well screw that!
At the end of the day the only person I am accountable to is myself.
Could I do better than I already am? Oh sure. Just about everyone could if they really thought about it. But I don't really see where my life is lacking.
If "growing up" means putting myself hundreds of thousands of dollars in debt that I have to work my entire life to pay down, meanwhile living with the constant stress that some jerk may take it all away from me at the drop of a hat, then no thanks.
With the current state of affairs, the way I'm doing things seems to be pretty smart, and I'm willing to bet it puts me in a position to come out ahead of the curve.

I'm done ranting though. I never wanted to get so off topic, but meh

dr256 · 11-12-2008, 8:57 AM

Quote:

Originally Posted by DaedalEVE

I could do just about anything I wanted to right now, but truth be told I simply don't have the desire. I'm more or less content with how things are.......It wasn't until I learned to stop caring what other people think........At the end of the day the only person I am accountable to is myself.........If "growing up" means putting myself...

Growing up means standing on your own two feet, just like your parents did, and who we assume are currently footing the bill for your utilities and food. Growing doesn't mean getting a mortgage, but does being responsible for your own welfare.
Perhaps seeing as you have money to spare a few bucks to your folks would be a good place to start. Even if they don't need it, put a few beers in the fridge for the old man, take mum to lunch, treat her to that dress she saw in the mall.
Growing up is about gaining respect and you get that by giving it first.

Actually I have no beef what-so-ever with the way you live, entirely up to you. I'm just an old git that can't help dishing out unwanted advice to the younger generation. Oh and by the way. Turn that bloody music down..

Anyway. I save money by not spending it. I've been cutting back all year year thinking this was all just around the corner. Everything I would normally buy I now look at and think, Do I NEED that, or do I WANT it?
Anything I don't need. I don't buy.

I do miss my bacon butties of a morning though

Destructo · 11-12-2008, 9:45 AM

Quote:

Originally Posted by dr256

Anyway. I save money by not spending it. I've been cutting back all year year thinking this was all just around the corner.

Same here.... although if we all do this the recession will be longer & deeper.... it's a vicious cycle.

Anyway....

Another tip is to keep an eye out for freebies - a mate from the gym gave me a hardly used lid this week for free as he has given up biking! I didn't really need it, but as I only had a HJC lid a nice Shoei is a welcome addition!