Look at the budget; yours, not the
Fed.Gov.
Cover rent. Iffen you usedtabe rich,
that would be called a “mortgage”.
That's job one. After that is
Electricity, and you can probably find a better deal unless you're
locked into a pre-pay deal, in which case the thing to do is to get
out of it. You'll get your deposit back in a year, and could save
you about $75 per month.
Lose the cable and your landline Go
to Amazon Prime or Netflix, Use the savings to upgrade your ISP, Get
more bandwidth. Save about $100 per month. Really. I haven't owned
a TV for 30 years, but this is what folks tell me,
Learn to cook: “Bread gets
re-defined as “flour” (do you have a sourdough starter? Ok, so
keep a yeast culture) Pizza gets redefined as “flour plus water
plus tomato plus cheese”. And Beer! Beer's just really thin
bread, right? Plus some hops, which are just a plant, and I'm
smarter than a plant so I could probably... Then you start thinking
about the little garden that you could put on the back porch. Some
tomatoes, basil, rosemary, oregano... oooh, and some peppers, they
would be neat, and...
Food doesn't come in a box, food
doesn't come in a can, food doesn' t come at the end of a phone call.
Food is made of stuff, and the more stuff you have on hand the
better off you are. And the closer you are to source the cheaper you
can live.
And nothing's free. You may love the
independent feeling you get from driving your F150 or Chevy Subhuman,
but how often do you use that capacity? Buy beers (or bring
homebrews) to your friends and neighbors with trucks, own the minimal
transport needed for yourself and your family, and call in favors as
needed. Save up the GTO (Gas Tires and Oil) bucks and probably
insurance premiums.
Hit the resale shops. For those of us
who sweat at work, there's no point in getting $45 a pair new Levis.
Much less if motor oil, caulk, paint, sewage, or cement are going to
get on them. Currently, about $3.50 is about what I pay for a pair
of jeans, and if I get a dozen wearings out of them I'm happy, and
that's thte point where I've spent more money washing them than the
purchase price, Work shirts, tee shirts: same applies. Ladies, you
too. This is even better if you're white collar. Men's suits can be
found (not JC Penny, Jos A Banks) for less than the price of dry
cleaning. I've got half a closet of designer stuff that never cost
me more that $12. Women's wear is much the same, but slightly less
cheaper. Socks and undies, well, buy new. Shoes are a judgement
call (check soles and heels).
Protips on resale: go to the rich
neighborhoods and use local charities. A lot of resales are
asssociated with local churches, and that's where they get their
donations. The Church of the Dollar is going to have better stock
than Little Sisters of the Poor. Duh. Most have time/date stamps on
the tags, meaning the longer it's been hanging, the cheaper it is.
This is just off the top of my head. A
bit more time in the kitchen, well yes. A bit more time shoooing,
well yes. But being able to say “It's home-made” is a good
thing, and so is “you really won't believe what I paid for this!”
should provide some balance.
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