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Topic: so need some tip to live frugal like i never have as much.

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Subject: so need some tip to live frugal like i never have as much.
Date Posted: 12/16/2009 5:13 PM ET
Member Since: 6/11/2006
Posts: 12,826
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i want to save alot of m oney for future and not spend so much      . so i decide to live simple and frugal and have really done it this month hardest month and it work what are some idea helppppppppppppppppp

Date Posted: 12/17/2009 4:44 PM ET
Member Since: 7/31/2006
Posts: 14,634
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I'm planning on searching for the frugal and moneysaving tips threads already done and taking some notes! I know I did this a few times this summer and it really motivated me. my frugal efforts are probably going to be hampered  since my parents are staying with me a lot for my dad to do some treatments at the cancer hospital near where I live..already had to have the heater on which I hate..but anyways they usually buy a bunch of groceries though not my usual..just gonna try to take leftovers to work and do what I can.

if I were on my own I'd make a goal of not eating out, taking food to work, buying meat on sale in bulk and freezing it in indidual servings or one meal size then freezing leftovers.

I want to continue using a particular credit card for the cashback bonus but I know the balance keeps creeping up so I have some small atm/debit registers I'm going to use for keeping track of credit card purchases. so far I've been paying the cards off in full though I can tell by not keeping good track of the spending that the savings rate is going down. Next year I hope to save all the overtime in savings.build the low interest savings connected to by checking to a certain amount then use ING for the remainder. the highest paying credit union is the most inconvenient so I'm thinking of increasing the automatic deposit (paid from my check instead of me doing the transferring) and see how that goes. hoping to get a raise this year and increase by 401k by that amount but n ot holding my breath.

one thing you might try Carol is to find a free savings account with no minimum.if you have ac hecking account you can link with INGdirect.com..so far no minimum balance there. sometimes they email me a referral w here the person opening the account gets $25 when they deposit a certain amt and i'd get $10 but t hey've raised the amount to where it's more difficult so you can check it out on your own and see. but anyways it takes about 3 days for a deposit or withdrawal to go from checking to savings but you could try that or a local savings(check the number of withdrawals allowed per month though 'cause some charge) but I'll sometimes put about $300 or so to that immediate savings connected to my checking then it's there if I need it. that one is instant transfer but ING as I said takes a few days so you have to look ahead a week at a time..but I like doing this because its' not in the checking account as 'available' yet it's there for something important. good way to test the waters. maybe start with what you t hink you can live without comfortable then increase it bit by bit.

I've also had to watch the 'bargains'..even with coupons stuff can become overstocked in the freezer and pantry and it's not worth it to me.

Im also not doing the all or nothing.if there's something I want to do I'll do it..I have tickets to a local symphony..not the expensive one but a  neighboring county that's actually close to me and it's a nice afternoon out..season tickets were 2 for 1 and coworker bought the extra set from me so turns out to be $5 per concert. well worth it. THere were some plays I wanted to see but tickets were over $10.turns out there never was a good time for me to go so saved that money. I did pay $5 at the early show for julie and julia..again worth the morning out.

Date Posted: 12/20/2009 10:50 AM ET
Member Since: 6/11/2006
Posts: 12,826
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susanna, wow hope dad is doing okay with his treatment. i hope that i can do this . i am really going to try i am going to do some cooking for week toay becaue there is so muh snow outside.

Date Posted: 12/20/2009 3:08 PM ET
Member Since: 7/31/2006
Posts: 14,634
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I envy you having snow! we actually got some in Houston a couple weeks ago.very unusual though last year it did snow briefly but was gone pretty quick.

Date Posted: 12/20/2009 7:51 PM ET
Member Since: 6/11/2006
Posts: 12,826
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we have snow it past knee i think . i was out for minute i dont mind it long as it doesnt get slippery im good.

Date Posted: 12/20/2009 9:59 PM ET
Member Since: 7/31/2006
Posts: 14,634
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wow we were lucky to have enough to look at on the ground! of course once it melted it was nothing but ice water cold slush! my dogs enjoyed romping through it but I sure didnt'!

Date Posted: 12/29/2009 9:04 PM ET
Member Since: 6/11/2006
Posts: 12,826
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i am glad im try to cut back on thing . samson end up being sick so bill was 227.00 and tommorow he go for follow up .

Date Posted: 1/1/2010 5:13 PM ET
Member Since: 6/11/2006
Posts: 12,826
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he went back and doing good.