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What have you done this year that has saved the most money?

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  • #31
    Re: What have you done this year that has saved the most money?

    I've stopped buying clothes constantly! Exceptions are the coat I bought in early November, and the skirt, shirt, and new running shoes I bought with Christmas Gift Certificates earlier this month.

    I've cut way back on buying coffee from Dunkin Donuts, I make it at home or drink the coffee from the staff lounge at work. I only buy from DD maybe once every other week. That has probably saved me $10-12/week.

    I stopped buying body wash from Bath & Body works, and get the store brand instead (which is bigger, and costs a lot less). $12 for a bottle that lasted 1-2 months vs. $3 bottle that lasts 3 months.

    I'm also spending a lot less money on gas -- because my work is very close to our apartment. I.e. I last filled up 19 days ago, and I still have about 1/3 tank of gas. I think I went through about a tank of gas a week before we moved, when I was driving between my parents house, my apartment, work, and my college (basically each on different sides of Rochester).

    I stopped taking kickboxing classes which were $50/month for 2-3 days a week, and started exercising outside more, and I'll be joining the Princeton university fitness center for only $25 from now until the end of June.

    We are also planning meals in advance to make them at home so we eat out less (Maybe now we eat out once every week-10 days or so, but we both really like eating out!)

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    • #32
      Re: What have you done this year that has saved the most money?

      Originally posted by mjrube94
      Great question! Three things saved me a bundle this year:

      1) Paying my property taxes/insurance directly rather than through mortgage escrow. Saves me $50/month that they were holding, as well as gave me a refund for $1700 or so that was in my escrow account.

      That is a great idea! I must look into that.

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      • #33
        Re: What have you done this year that has saved the most money?

        Oooh, I forgot, I went pre-paid on my mobile as I barely use it. I was paying out $20 a month on a contract and when that finished I went prepaid and $20 lasted me 6 months (helps that I deactivated SMS)! Another $200 a year saving.

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        • #34
          Re: What have you done this year that has saved the most money?

          A 1031 is a way to sell investment property & reinvest in another piece of investment property. Doesn't have to be like properties, and the values don't have to be the same. There is a time limit on it, I think the profit from the sale needs to be assigned to a purchase in 180 days??? But, don't quote me on the timing. I used a realtor as well as a firm that just does 1031's. No capitol gains if the money is reinvested. Was painless, just one more piece of paper in the mountains of paperwork for a real estate deal.

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          • #35
            Re: What have you done this year that has saved the most money?

            Switched from a whey isolate to a whey concentrate.

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            • #36
              Re: What have you done this year that has saved the most money?

              Changed from a local grocery pharmacy to Costco pharmacy: Rx for us went from $2K to $1K per month!

              Started (or restarted) shopping sales with coupons and rebates, stockpiling great deals and not purchasing impulsively. Saving at least $500 a month.

              Started using cashback rebate sites, converted cc's to cashback cards.

              Removed and replaced caulking around windows last year (saved $800 on heating/cooling bills last year).

              This year, picked up an inexpensive Rx plan, hopefully savings will out weigh premiums.

              Started using free samples instead of purchasing things I haven't tried, and found I couldn't use.

              Started following up with manufacturers on problems with merchandise, received replacement or refund (LLBean, Rubbermaid, Land of Lakes, etc.)

              Started keeping a journal for accountability. Makes a difference when you see it spelled out.

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              • #37
                Re: What have you done this year that has saved the most money?

                Mother nature saved me the most money this yearso far by providing us a record warm January in the Central states.

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                • #38
                  Re: What have you done this year that has saved the most money?

                  I have not used a whole lot of propane this year, thank goodness.

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                  • #39
                    Re: What have you done this year that has saved the most money?

                    I think moving will save us money. Our mortgage is $15 less than our rent (I continue to pay the same amount though). And this house appears to be much better insulated. When the temp dropped to 40s, the house stayed in the 60s (even with all tile floors).

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                    • #40
                      Re: What have you done this year that has saved the most money?

                      I changed insurance companies this year and saved ALOT. That means I already did todays challenge. Anyone who thinks it is a pain to do, trust me it is worth it! We saved over 200 a year.

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                      • #41
                        Re: What have you done this year that has saved the most money?

                        [QUOTE=lisasayzhi. The bad thing is... we're in an apartment and the landlord won't allow us to get satellite so we actually have to keep cable. [/QUOTE]
                        Actually you can, all you need is a board and a window. thats how they will do a demo, they bring the dish, its mounted on a board. Just mount it on a board. thats how campgrounds do it too.

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                        • #42
                          Re: What have you done this year that has saved the most money?

                          When my boyfriend was in an apartment while at Cornell they weren't allowed to get satellite because of the "historical society" in Ithaca -- despite the fact that the house wasn't kept up as well as it should have been. They didn't want the appearance of the satellite dish to "taint" the look of the houses on the street. So said the property manager.

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                          • #43
                            Re: What have you done this year that has saved the most money?

                            In other action, a US Appeals Court has upheld FCC regulations prohibiting restrictions on certain over-the-air television reception and direct-to-home satellite services. Renters now have legal authority to install dish antennas and downleads despite landlords' objections. The ruling was announced July 12.

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                            • #44
                              Re: What have you done this year that has saved the most money?

                              Keep my heat way down at night (59). Turn off furnace while I am at work. Did call a furnace company to see if this would do any damage to the furnace and he said no as long as I turned it off if while the furnace was not running. If it go real cold here I would turn it to 60 degrees so my pipes would not break. My gas bill last month was $140 last month and it was $7.00 cheaper than last year at this time. I cannot afford high gas bills it would break me!!

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                              • #45
                                Re: What have you done this year that has saved the most money?

                                We're using a hospital indemnity policy to help cover the baby coming in May. That offers a payout of about 4 to 1 for every dollar we put in.

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