Poor Man Survival
Self Reliance
tools for independent minded people…
ISSN 2161-5543
A
Digest of Urban Survival Resources
Tips to Tighten Your Belt in Tough Times
by
Marianne Giullian
The following tips are provided by Dollar
Stretcher Newsletter-always an excellent source of useful ideas and resources
for saving money. However, there are
many like myself who live a fairly debt-free, frugal life but the number one
budget killer for us is government expenses.
We live in MI and they continually raise their fees and taxes.
The registration
& plate renewal for one of our ten year old vehicles arrived this week – it
nearly doubled! Our water bill for two
of us is $3,000 annually. Our auto
insurance is the HIGHEST in the entire nation.
Our property taxes are the 9th highest in the country…yet, we
get very little in return: poor roads, overpaid bureaucrats and state
politicians, failing schools & overpaid school administrators [especially
in Detroit], an over regulated & costly set of permits and fees on
everything we do on our own property, etc.
Small
savings can avert a crisis. Save money by spending less with these 8 helpful
tips.
Benjamin Franklin said,
"A small leak will sink a great ship." Small things can really make a
difference. If you consistently spend more than you earn, even if it is a small
amount, it will create stress and financial bondage. On the other hand,
Benjamin Franklin also said, "Little strokes fell great oaks."
Focusing on spending less than you earn makes money available for saving or
reducing debts.
This reminded me of a
recent newspaper article that stated how people are combating higher prices by
cutting out small things. Even if it is a small amount, it will add up over
time to bring a greater feeling of peace and financial freedom. In a recent
newspaper article, it said that people are spending less on the small things to
handle the rising costs of things. The following ideas can help you save money
by spending less in different ways.
- General Things:
Do your own work instead of hiring someone else to clean your house, cook
your meals, fix your car or mow your lawn. Get rid of a storage unit. If
the items in the storage unit are valuable to you, they should be in your
home. If not, you are wasting a lot of money storing things that probably
aren't worth the price you pay to store them. Get rid of cable television
or gym memberships. De-clutter your home and sell the things you don't
want. Take care of what you have. For example, regular brushing and
flossing your teeth could save you hundreds of dollars in dental bills.
Gasoline: Consolidate trips by
planning ahead of time to do your errands on the same day. Carpool. Remove
excess weight from your car. Get information ahead of time by calling on the
phone to save you a trip to the store if they don't have what you want or if it
isn't in your price range. Slow down as it is more fuel efficient. Inflate
tires properly. Buy gas at the cheapest place in town. Walk or ride a bike or
use public transportation.
- Make Things Last Longer: Use half the amount of soap for
laundry and for the dishwasher. Wash clothes in cold water if there are no
visible stains. Wear your outer clothing more than once if it doesn't
smell or isn't dirty. Tear dryer sheets in half. Wash your hair every
other day.
- Utilities: Lower the thermostat and wear a
sweater. Take shorter showers. Unplug the things you aren't using. Run
full loads of laundry and dishes.
- Entertainment:
Go to a matinee instead of a movie in the evening. Find free concerts in
the area. Check out books, CDs and DVDs from the library. Have a potluck
dinner instead of a dinner party. Find out who has the best prices to rent
DVDs in town and go there for your rentals.
- Eating out:
Go to lunch instead of dinner. Split a meal. Find out about restaurant
specials. Leave kids at home. Drink water instead of soda. Get food to go
instead of eating at the restaurant and paying a tip. Eat half of your
meal and take the rest home for another day.
- Clothing: Buy second hand. Trade prom dresses. Always buy
on sale. Buy off season. Have a clothes swap.
- Groceries: Do your own cooking. Make your own bread, tortillas, bagels, crackers, etc. Find less expensive alternatives. For example, make spaghetti instead of lasagna. Use cash when you shop so you can't go over your limit. Stop buying junk food and soda. Use half the amount of meat or cheese in recipes. Don't be loyal to one store. Buy produce in season. Buy store brands. Take your lunch to work or school. Don't buy precut veggies or shredded cheese. Instead, cut or shred it yourself. Eat hot cereal instead of cold. Go shopping less often. Don't waste food. Instead, eat your leftovers.
Take the Next Step:
- Little things do add up. Pick one
of the above ideas that you're not currently practicing and start this
week. Then start something new next week and so forth. Before long, you'll
notice the impact that these little things are having on your big
financial picture.
- Discover dozens of additional
ways you can cut monthly costs and create a little more wiggle room in
your budget with The Dollar Stretcher's Guide to
Trimming the Budget and Cutting Expenses.
- Am I a good candidate for credit
counseling?
- Stop struggling to get ahead
financially. Subscribe to our free weekly Surviving Tough Times newsletter aimed at helping you 'live
better...for less'. Each issue features great ways to help you stretch
your dollars and make the most of your resources. Subscribers get a copy
of Are You Heading for Debt Trouble? A Simple Checklist And What You
Can Do About It for FREE!
Share your thoughts about this article with the editor.
NOTE:
Unlike many folks, we rarely take expensive trips, we don’t go to any of
the many casinos here in MI, we don’t participate or attend major league
sporting events [going to a Tigers game with a family requires an expenditure
of $200!]…Our free time is spent relaxing or fixing up our cabin, working in
our garden, reading, cooking or watching a DVD.
Building an Emergency Fund
There's an old saying that the best way to eat an elephant is
one bite at a time (not that I want to eat an elephant!). So when we decided we
really wanted to create a six-month emergency fund, we used that principal. We
broke it down into smaller amounts that equaled one month's worth of expenses.
Even that felt like a hard target, but we were determined to do it. We're on
month number two now. We celebrated with a special dinner when we had the first
month saved. Looking forward to our next celebration when we get to month two! >>Cindy & Ralph
More Resources:
It’s TIME to take back control of your life,
and the lives of those you love.
You see it at the checkout counter in the
supermarket. You look at groceries on the conveyor and your head says
“…about $50 or so.” Then the cashier asks for $85.
You’ll see it in the rising cost of commuting through
tolls, taxes, and gas (which is due to skyrocket very soon).
You see it in your children as they are
indoctrinated to believe that climate change is the greatest threat to
humanity, and socialism is actually OK.
You see it in popular media and culture as the United
States, the only hope for liberty on the planet, is diminished, demeaned, and
quietly erased from the history books to make room for a new global order.
What can you do
about it? Take advantage of my free
report and its bonus materials NOW…
How to Survive the War on the Middle Class – FREE!
14 of the best reports I’ve assembled on protecting your freedom…Here is the download link.
http://1drv.ms/1d9kfiU
- How
to Escape From Zip
Ties
- Mad
Max Apocalyptic Workout: Top 10 Exercises (Video)
- Planning
an Off-Grid Weekend for Survival (Video)
- Simple
Tips for Starting Your Survival Garden
·
A Cataclysm Awaits Us: Experts Warn Of “Worst Case Scenarios”
Unfolding With “Danger Zone” From Summer Through November
Things are aligning socially and politically for what could be a very difficult summer
Things are aligning socially and politically for what could be a very difficult summer
Yours
for better living,
Bruce,
the Poor Man
A Final Note…
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2 comments:
Amen brother-like you, we have no credit card debt, not even a mortgage-our biggest dependent is Big Brother & he sure is a heavy burden to carry, it crushes our finances!
Just read that both Amazon & Walmat both target the very poor or the high end consumer as the middle class has shrunk to the point they don't much exist = something you've written about for years. Fricking SAD and it makes me angry at our government.
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