This action might not be possible to undo. Are you sure you want to continue?
A & M
A N D
A U B U R N
U N I V E R S I T I E S
101 Ways to Save Money
Save on Transportation
1 2 3 4 5 6 7 8
utting costs is a high priority for many Alabama families. The following suggestions can help you if you will practice them. Some won’t apply
to your situation; some you are already doing. But, many will be new ideas or ideas you know you should have been trying before now. Read through the suggestions and mark those that appeal to you and that you want to start practicing.
9 10 11 12 13 14 15 16 17 18 19
Keep your car in good running condition. It will be safer and will cost less to operate. Walk more; drive less. You will save gasoline and improve your health.
Learn how to do some of your own car maintenance chores. Change the oil, oil ﬁlters, and air ﬁlters. Use self-service gasoline pumps. Anyone can do it! Don’t forget to check the oil and water Form a car pool to go to work, to meetings, and even on shopping trips. Ask yourself each time you get in your car, “Is this trip really necessary?”
Save on Energy
Have an expert check the insulation in your house to make sure it is adequate. If it is not, insulate where needed. You can do open areas, such as the attic, yourself. It will save both heating and cooling costs. Turn off the air conditioning and open the windows in moderate weather. Wear warm clothes in the house in cold weather so you can lower your thermostat setting.
List “things to do” and “things to buy” before leaving home. Forgetting and making second trips are costly.
Save on Clothing
Study your wardrobe, determine your needs, work out a clothing budget, and stay with it. Clothes bought on impulse rarely ﬁt in your budget or your wardrobe. Buy the best quality you can afford, particularly in clothes that will last for several years. This is called “Investment Dressing.” Think in terms of cost per wearing. Buy color-coordinated clothes you can mix and match. Buy all-season styles and fabrics when possible. This way you don’t have to buy as many clothes. Know how to spot a bargain. When you buy a garment, check its construction, care instructions, ﬁber content, and other label information. Be sure it will last and will be easy to care for.
Take care of home repairs as soon as the need arises. Delay can make the problem worse and repair costs higher. Close the doors and turn off the heat or air conditioning to rooms that you are not using. Choose equipment with higher energy efﬁciency ratios (EER). Check the labels for EER. Move to a smaller house if the one you live in is bigger than you really need.
Use energy saving window treatments, such as insulated or heavy draperies and storm windows.
Visit our Web site at: www.aces.edu
such as paper plates. Use your sewing skills to make gifts: aprons. repair. linens. Make your own draperies. slipcovers. Contribute clothing to a “nearly new” shop sponsored by a charitable organization. Be creative. And. or want. make pictures. home shows. spreads. chair seat covers. Take advantage of free or low-cost learning opportunities. Accessories can add a new look to your wardrobe for a much smaller cost than buying major items. libraries. Landscape to beautify and enjoy it. Buy things that will require as little maintenance as possible. Make dried ﬂower arrangements from garden ﬂowers. Shop factory-outlet stores. and towels. Save in the Home 30 31 32 33 Cut the cost of your long distance calls as much as 60 percent by dialing yourself and using the daily and weekend specials. then pot them for gifts. they won’t go out of style as quickly. but don’t rush out and buy a lot of fabric that you’ll never get around to making into garments. Use fewer paper products. trips. 34 35 36 Cut your recreation costs by planning more activities and games at home. Strive for a simpler lifestyle.20 21 22 23 24 25 26 27 28 29 Buy designs that will stay in style. and decorative weeds. Plan carefully and thoroughly as the ﬁrst step in economical decorating. wall hangings. and decorative screens. use. This means owning fewer nonessential things and having less to clean and maintain. Choose clothes with simple trim. Clothes that require dry cleaning are expensive to care for. Entertain friends and relatives at home simply. exchange with friends and relatives or recycle them. Decorate your home with items from nature or use family creations. such as schools. Plan an outdoor area for living. use what you have in new and better ways. place mats. 2 Alabama Cooperative Extension System . Learn to sew. Consider remodeling rather than building a new house. cups. Learn to reﬁnish furniture. Learn to maintain and repair the house and equipment. needlework. Plan what you need to say and limit talking time. pillows. and table covers. Use some of your homemade jams and jellies for gifts. They will last longer. Your gift may be tax deductible if you get a signed receipt for its estimated value. Hold a garage sale. When you outgrow clothing. Take good care of your clothing and shoes. 37 38 39 40 41 42 43 44 45 46 47 48 49 50 Learn to clean. public tennis courts. and community services. Any imperfect or damaged items must be tagged or advertised as such. Sell those items you no longer need. hikes. They could be surplus. Trim should be of good quality and should require the same care as the rest of the garment. and restore household items yourself. Or. curtains. Learn to paint and to wallpaper. and other adult education courses. Start slips from some of your plants. the ﬂaws in some may be so minor that they don’t matter at all. Buy wash and wear as much as possible. hand towels. workshops. samples. Don’t assume there is something wrong with clothes sold there. concerts. or discontinued lines. Adapt what you have to current styles instead of dashing out to buy something new. so they won’t have to be replaced as often. Buy less clutter and junk. fairs. wildﬂowers. Extension programs.
Give them allowances. Plan one meatless day per week. freeze. Cut your food shopping trips to no more than one a week. Buy basic gifts or supplies when prices are reduced. and trims from out-of-style adult clothes to make children’s clothing. fruit juices and milk drinks. such as spaghetti sauce. chili. or other foods at the same time in the oven. and money. Can. repairs. and desserts at home. Keep them healthy and you’ll save on medical bills. Use good quality fabrics. and popcorn instead of junk food. 101 Ways to Save Money 3 . meat trays. You will save gasoline. and let them learn to save and stretch their money. ounce. Grocery shop when you are not hungry. Interest children in budgeting their money. compare the price per unit: pound. Waste less! Each year Alabamians throw many dollars worth of food into garbage cans. Take your calculator with you. and cardboard boxes of all sizes. and stews. Insist the children do some sort of work. Save on Food Feed your family well from the Food Guide Pyramid. quick breads. Then label and freeze them for later use. Eat less expensive foods. and save them for the following season. Mix one-part nonfat dry milk with one part regular milk. It will help you avoid impulse buying. dessert. Teach children proper care for clothing. Devise creative. furniture. The family will never know the difference. This not only saves time but also allows you to buy larger amounts of basic ingredients at lower prices. Select children’s clothes that are functional and comfortable. old stockings. This happens not only at home but also in restaurants and school cafeterias. oatmeal and peanut butter cookies. You’ll be healthier. Prepare some of your own convenience foods. Cook the main dish. master mixes. drink less expensive beverages. Entertain with “pot lucks” or inexpensive buffets such as lasagna and salad. Plan your meals one week at a time. dozen. Involve children in understanding their environment. 66 67 68 When you shop. Buy low-cost household cleaning products or learn to make your own. try to cook more than one item while it is hot. inexpensive entertainment for children. or tomato sauce. vegetables. time. or square foot. Start a “child-care pool” with a group of friends to save on babysitting fees. and maintenance will be reduced. Involve children in gardening. Save on Children’s Expenses 69 70 71 72 73 74 75 76 77 78 79 80 81 Buy or make children’s clothing with built-in growth features. pastries. or second-hand shops. 59 60 61 62 63 64 65 Prepare a large quantity of standard recipes. Shop at discount stores for children’s clothes. garage sales. toys. as soon as they are old enough. When you use the oven. Grow your own fruits and vegetables.51 52 53 54 55 56 57 58 Buy furniture at auctions. besides regular chores. buttons. Buy fresh fruits and vegetables. oatmeal. and dry some of them for future use. review the grocery ads to take advantage of specials. and equipment so replacements. Make a shopping list from your menu plan with the ads. Save household items that children can play with such as egg cartons. First. Stretch ground meat with bread crumbs. Reward them in some way for conserving resources. such as after Christmas or Easter. package.
It will save money and reduce landﬁll space. Learn. Set aside a realistic emergency fund equal to 2. It’s oftentimes not what you buy but when you buy it. Plan your spending. wait a day before buying it. Check your sales slips.Save on General Living Expenses 82 83 84 85 86 87 88 89 90 91 92 Distinguish between needs and wants— consider values. Consider price per unit and watch weights and measures. Consider the actual savings in dollars and cents. Remember. and resources. Professor. Don’t build up interest charges for late payments. Shop for credit just as you shop for merchandise. Follow proven buying guidelines. and conserve goods and services. Count your change. A seasonal sale may save 10 to 25 percent. Auburn University Adapted from. Shop with a list. veteran status. Look in your telephone directory under your county’s name to ﬁnd the number.to 6-months take-home pay. Check with your county Extension ofﬁce for other money saving ideas. Beware of little expenses. and equal opportunity employment to all people without regard to race. Issued in furtherance of Cooperative Extension work in agriculture and home economics. Know how much things cost. in cooperation with the U. Know alternatives for increasing income. goals. Consider the cost of credit as a part of the cost of the item you are buying. in the use of credit. age. “100 Ways to Save Money” by the Mississippi Extension Service. Learn to barter. Department of Agriculture. Acts of May 8 and June 30. Comparison shop. 10M. or disability. “A small leak will sink a great ship. it is not a good buy at any price. Know the annual percentage rate as well as the cost of credit in dollars and cents. Reprinted Oct 1999. or credit. and in using ﬁnancial institutions. HE-562 HE-562 . Don’t spend tomorrow’s paycheck today. Establish a safe level of credit. borrow. If you see something you really want that you didn’t plan to buy. Jo Turner. Pay promptly. color. ECP.” 93 94 95 96 97 98 Learn the principles for cutting family living costs. Know how much money you have. call your county Extension ofﬁce. religion. practice. sex. 1914. and develop skills in the marketplace. Extension Program Specialist. a clearance may save 50 to 75 percent. 99 100 101 Be sure the time is right for the best price. simplify. share. national origin. Substitute other resources for money. substitute. Human Development and Family Studies. in thrift. The Alabama Cooperative Extension System (Alabama A&M University and Auburn University) offers educational programs. don’t buy on impulse. and other related acts. materials. if you don’t need it. Recycle. Know when to use cash. checks.S. switch. Shop sales carefully. For more information.
This action might not be possible to undo. Are you sure you want to continue?
We've moved you to where you read on your other device.
Get the full title to continue reading from where you left off, or restart the preview.