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45 Tactics to Save Money

September 20, 2010

Having recently paid off all of our consumer debt, I’ve been thinking about all the things we’ve done to save money and pay off our debt.  I thought I’d share a list of the first 45 things that come to mind.

  1. Cancel cable.
  2. Set a budget.
  3. Stop drinking bottled water.
  4. Learn to change motor oil at home.
  5. Clean with reusable cotton rags.
  6. Make my own household cleansers.
  7. Join a CSA.
  8. Purchase split quarter of beef.
  9. Switch to a bank with a higher interest rate.
  10. Purchased used clothing.
  11. Use a hand-me-down high chair.
  12. Grow food in the backyard.
  13. Program the thermostat.
  14. Sell off losing investments.
  15. Mend broken clothing.
  16. Pump gas in the morning.
  17. Pay insurance premiums annually.
  18. Negotiate a lower internet bill.
  19. Utilize the employee stock purchase program.
  20. Make my own baby wipes.
  21. Use cloth diapers.
  22. Water down store-bought detergents.
  23. Clip and print coupons.
  24. Use the debt snowball.
  25. Switch to free computer virus protection.
  26. Track every penny spent.
  27. Spend less than we earn.
  28. Switch to CFL bulbs.
  29. Keep car tires properly inflated.
  30. Borrow books from the library.
  31. Sell off old collectibles.
  32. Participate in Food Waste Fridays.
  33. Fill the gas tank at Costco.
  34. Reduce the household trash output.
  35. Apply every spare penny toward debt.
  36. Purchase pet’s flea medicine in bulk.
  37. Cancel Netflix.
  38. Cancel gym subscription.
  39. Make handmade gifts.
  40. Drive used vehicles.
  41. Make yogurt from scratch.
  42. Implement the one-in one-out rule.
  43. Bake bread from scratch.
  44. Purchase non-perishables in bulk.
  45. Tackle household repairs by hand.

Some of these things honestly did mean rather small savings.  Yet, combined they really added to our momentum.

Now that we’ve paid off our consumer debt, I’m hoping that we can keep our nose to the grindstone and start getting rid of our mortgage debt, too.  Hopefully, I’ll keep learning new and interesting ways to save money and keep sharing them along the way.

4 Comments leave one →
  1. September 20, 2010 2:02 pm

    Great list! It’s neat seeing everyone’s personal lists. I don’t change my own oil, for example, but do can and freeze food we grow. And buy wine in a box. And make my laundry soap and hang out clothes. But I haven’t canceled Netflix. I think the cool thing about blogs like yours is that it allows the exchange of new ideas; I’ve picked numbers 16 and 17 to implement.

    And you’re right; some of these things don’t add up to huge savings, but they’re part of a more frugal, mindful lifestyle that you’ve chosen for yourself that is in line with your goals and values. I actually spend more money on food now than I did when I didn’t care about organic or local or grassfed, but eating that way is in line with my values.

    Thanks so much for the list!

  2. September 22, 2010 7:12 am

    Ooh, great list! I agree with Slowish Food that one of the best things about these types of lists is the exchange of new ideas. I’ll definitely be taking some hints from your list.

    Would you mind if I posted my own list to my blog, crediting you for the inspiration?

  3. January 16, 2012 11:29 pm

    Making sure to buy a used car is a great way to save some cash. My wife and I bought our Lexus used, and we probably saved close to half on what a new one would have cost. Saving five figures in one swoop? Awesome.

  4. March 22, 2012 12:11 pm

    Very helpful list, thanks so much for the creative new ideas to save more $$$!

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