I love my library!

Where I work I get a 5% discount on all the store branded products

This! Always check the price per kg!

You can't get addicted to something you never try. Addiction destroyed both sides of my family. I decided really young to just stay away from d***s. And i limited alcohol for years and now just don't drink at all. Just isn't worth the risk.

Crappy tools can also break while using them, resulting in injuries. Crappy tools frequently rust faster than good-quality tools.

I can't think of anything worse than spending hours shopping. Such a waste of time and money

Sewing whole garments is expensive. Knowing how to mend saves money and by lengthen the life of clothes and helps the environment a bit.

I know this is common advice and probably good advice for a lot of people, but there are a few like me, if I didn't go to the grocery store hungry I wouldn't buy anything.

Yes to both. Also it helps to create a more individual style for you and for your home.

A lot of secondhand stuff is barely used, or unused and like new. For clothing try shops run by groups like the Junior League. They may not be open 8 hours, or even every day, but those women have donation quotas to meet, and will often shop for various items if they don’t have enough, so some items are brand new. Also, many people clean out the closets of relatives who have passed, and find unworn clothing with the tags attached and unworn shoes in their original boxes, along with vintage pieces in mint condition, which they then sell as secondhand or consignment, or donate to charity—-or their Junior League neighbor. I have gotten some really nice stuff secondhand. Furniture, clothing, appliances, dishes, pots and pans, you name it. For the longest time, I was poor and on my own, with no real support network or safety net to fall back on if I needed it. So I HAD to learn to look at secondhand instead of running to the store to buy new. Sometimes, people just don’t know the quality of the stuff they’re giving—-or throwing!—-away. But I do, so I now have pieces of furniture that are solid wood and not pressed sawdust c**p, and pieces of clothing and shoes that are well made and some are even designer pieces. My husband is amazing at repairing stuff, and he has picked up things like a leaf blower someone had tossed because it stopped working, and a table saw setup that the owner was tossing for the same reason. Both times, it turned out to be a very cheap part that had broken or worn out. My husband would get the model number and brand off the broken piece, do a bit of online research, find and order the replacement, and fix those major tools that others were just going to send to the landfill. If something is in decent condition—-not threadbare, nor broken, not worn out—-and someone else could get quite a bit of use out of it, then donate instead of throwing out. Just don’t treat Goodwill like an alternative garbage dump.

Not when buying chocolate.

So everyone is getting the new iphone 11 and Samsung s9.?

If you have the time.

Clothing shopping at second hand stores is impossible for me as I am tall and clothing is not always organized to find inseam and tall sizes.

Is this still a thing?

They are fixing the train line where I live so I've had free public transport with my pass for almost a year. It's saved us quite a bit of money

Now first deduct what you need just to live from your hourly wage. Then you know what part of your wage is free to spend. Then divide the price of the thing you want to buy by the part of your hourly wage that is free to spend. Then you know how long you really work for something.

Stop drinking soft drink all together. Great for the wallet and your health.

I have a friend that carries a small note pad and writes down EVERYTHING she spends money on. She didn't realize how much money she was spending eating out.

We do at least one big cook a week and freeze half of it. Then on thise weeks we are a bit strapped for cash we play what I like to call "container roulette"

I try to avoid buying from Amazon.

If it's food, I'll happily amend my upcoming cooking to include, especially if it has an extended time before expiry, or what I am replacing it with is gonna last long enough for me to safely use up both over time.

I make a list in ‘Notes’ on my phone. As I put each product in my cart I delete it from the list. I stay focused on what I need

Shout out to all those Indians and their videos helping me out countless times

This tip is really good if you had money to buy anything but the cheapest in the first place. It costs a lot to be poor, but you can't just pop out money out of the thin air when you need something.

Yes, learn the difference between 'want' and 'need'.

Agreed!! Except if you live in a place with high humidity.....in which case, only a/c dries the air

My wife complained to the car insurance folks about the latest increase. Found out our local credit union membership qualifies for a discount. Also we had a $100 deductible, raised it to $250. Ain't much, but it helps.

Reusing the plastic bags you do get as trash bags

I don't trust the order pickers to check the produce as carefully as I do.

Also look out for product recalls. My MIL stopped using her tumble dryer as there was a lot in the press about them catching fire. It was miles out of warranty. I checked and it was one that had been recalled. Contacted the manufacturer and got a brand new replacement, including installation and removal of the old one for free!

Making gifts can get expensive too if you're not careful.

Definitely this - don't let the banks encourage you to stretch yourself thin on mortgage payments, because you never know what's down the road. When you're looking for a mortgage, download an amortization spreadsheet from the internet and it'll show you how much interest you will save by making overpayments when you can - especially at the beginning of your mortgage any overpayment can be worth three times it's value in saved interest charges. But you can't do this if you've already stretched yourself to the max. And if you build up an overpayment balance it could save you if times get hard later on and you need a payment holiday (depending on terms of your lender).

save money by setting a timer instead of buying an airfryer.

Again, I have to toot the Thrift Shop horn on this. Buying high quality brands that are a bit out of style is so much better than leaning into fast fashion that won't last, exploits employees, and adds to our burgeoning landfills.

To me a new car is exciting and exotic for the first few drives, but you need it to get somewhere all your life...the best living is at the destination, ultimately you will go to more places, do more things and get more out of actual living with a cheaper car and more disposable cash in your wallet.

Surely this only applies to older models not the latest compuerised vehicles.

One can do allot of damage before midnight. ;o)

I think I understand what this means and I agree. Basically it means that you should never be completely out of money. I'll try to give an example, but English is not my first language. Say you want to buy smth that costs e.g. $10, and you have exactly $10 in your bank account. You can buy it, but that does however mean that you have zero money left if an emergency or something else would happen. If you instead wait until you have $20 on your account, you have enough to buy said item AND have extra money in case you need it later.

Almost all the companies I have bills to pay for have started charging 3-5% for using a credit card. I had to switch all the utilities and insurance to auto draft from my checking account. I set reminders on my calendar just to make sure everything goes through and there are enough funds