There are lots of ways to save money with minimal effort. This post deals with lifestyle changes that, added together, can cut living costs substantially.
1. Learn to live with heat. During spring time, allow the house to get as hot as you can stand it before turning on the AC, then keep the temp around 77-78. You will acclimate to the temp as it will still feel cool after a hot ride in the car or working in the yard. If you have a two story house, keep the upper story cooler by a degree or two. You’ll be surprised at how this will keep the lower story cool as well.
2. Walk when you can. You may live so far out that you have to go hunting toward town and, if so, then this may not be practical. We live about a mile from a Kroger grocery store and, on occasion, I will walk to the store with a backpack and buy the few things needed. In addition to saving gas, the exercise does not hurt. One day last week my “spare donut tire” went flat at the Kroger. Once home in the afternoon (after getting a lift) I walked to Kroger, removed the tire, carried it to the repair shop about .25 miles away, back to the car and then drove home.
We have a mall near our house that has several out-parcels with various stores. When comparison shopping, I will often park equidistant from Best Buy, Circuit City and H. H. Gregg then walk to all of them. Throw in Target and I’ve saved a lot of starting and stopping as well as cranking and shutting off the engine. (Shopping online cuts down even on the cost of driving to the mall, but one must plan far enough ahead to consider the shipping time. That’s a tough one on me.)
3. Reclaim your water. When you warm up your shower, you lose anywhere from 1/2 to 1 gallon of water-multiply that by everyone in the house and number of daily showers and it adds up to a lot over time. That water can be used on house plants, yard plants or even to refill the toilet tank after a flush (once you work on your speed). A plastic bucket in the shower is a very easy way to accomplish this.
For less than $50 you can purchase a 50 gallon plastic drum and convert it to a rain catcher (attached to a gutter downspout) complete with mounted spigot. It would only be good for outside watering, but it would save you some money on municipal water.
Also, as mentioned in the previous comments thread, skip a shower on your day off…unless you already smell like the goat man.
4. Buy clothes on clearance. Some clothes just never go out of style and those clothes can be gotten for a song at the end of winter and summer. Thursday I got a sweater for $4.00 and a long sleeved, solid color shirt for $3.40 at Kohl’s. Don’t buy faddish clothes on clearance-it’s too late by then.
Some very good deals can also be found on every day wear. I like colored tee’s that can be worn alone or under another shirt. Picked up two Jerzees at Target for $4.99 each. If they fade too badly, they become working around the house shirts that I can keep (literally) for years. I still have a shirt from high school (Riverdale, GA, class of ’81) that I wear to change the oil in the cars, etc. If you have to wear Polo to cut grass, you have some serious issues ;^)
5. Buy clothes that last. No, this is not contradictory to #4. For me, this depends on what I’m buying. Hiking-wear is inherently expensive, so I’m willing to fork over the extra. There is an art to packing a backpack and every ounce counts. Forty-five bucks for quick dry nylon pants is far superior to packing jeans that hold every drop of water for hours. (Although, I did pick up a couple of Columbia nylon shirts for $9.99 each at Target. Similar shirts would have been $14.99-19.99 at REI.)
Shoes are another place that I don’t cut too many costs, though I still look for savings. As one gets older, the feet need special attention so the shoes that I wear a lot I’m willing to spend $90 or $100 to get. For me, those are going to be Montrail, Timberland, The North Face, etc, not patent leather that I will only wear a couple of hours a week. On those I will spend just enough to get by, provided they have good arch support.
6. Don’t allow your kids to become “brand conscious.” You’ll go broke trying to help you kids keep up with Aeropostale, Abercrombie and Fitch, American Eagle, Hollister’s or whatever else is the rage. Many teens could set their own style if they would follow Napoleon Dynamite to the local thrift store where they could find cool shirts for $2.00 that would run $32.00 for similar ones at the mall.
Shop for kids under middle school at Wal-Mart, Target, Kohl’s, TJ Maxx, etc. Kids don’t stay the same size long enough to justify spending $25.00 or more for a pair of tennis shoes or $40 for some silly sailor outfit.
The same can be true for adults. I am hard pressed to spend $40-50 on Levi’s or Lee jeans when I can get Wrangler or Urban Pipeline for $12-15. They all last the same length of time.
7. Combine errand trips. Taking ten trips to go ten places is just bad stewardship. Keep a list on the refrigerator or the kitchen chalk board for a few days and run errands on one trip rather than five.
8. Call home before coming home. Cell phones are a God send for communicating with home base. Call home when leaving the office to see if anything (milk, bread, last minute dinner ingredient) can be picked up while driving by the story anyway.
9. Work from home or a coffee shop a couple of days a week. During this time of skyrocketing gas prices, churches should understand that the pastor can get as much done at home and should bless him by allowing him to save the money. Concentrate as much office work as you can around two or three day during the week and work from home (prepare sermons, write, make phone calls) the other day or two. Cell phones and the prevalence of the internet at coffee shops and restaurants should make us more mobile, not less. Besides this, working from home means you don’t have to wash, dry and iron another set of clothes.
10. In the summer, avoid using the stove. Grill out or eat sandwiches. The stove not only takes a truck load of power to run, it heats up the house requiring more power to cool it. Buy a griddle for breakfast foods or grilled sandwiches.
After using the stove in the winter leave the door open for a few minutes to allow the remaining heat to warm the kitchen. (If you have small kids or clumsy family members, this may not be practical.)
11. Cut down on household waste (limits trips to the dump or recycling center). Fruit peels, coffee filters and grounds, egg shells and more can be used for compost. A large, thick “bean bag” from Starbucks can be used to store them under the sink until taken to the compost pile or bin. Many Starbucks stores also have used grounds available for customers to use at home in gardening. Those grounds are usually in the silver bags referenced above. (If you do not garden, you probably have a neighbor that would love to have it.) Find out if your local government allows trash burning and create a small fire ring in your back yard, thus saving gas or cost of a trash hauling company. Our county does not allow trash burning, but has set up numerous recycle centers around the county so that conscientious residents can recycle a LOT of household trash and dispose of the rest.
12. Change the filter on your AC/Heat unit according to the schedule. It both keeps the air clean and allow the system to run more efficiently.
13. Gradually change over to fluorescent lighting. Incandescent light bulbs use more energy, don’t last as long and bring more heat into the room. If you use lots of lamps, you’ll have to make sure that the shade attaches in such a way to allow for a non-round bulb. Some of the florescent bulbs, such as n:vision available at Home Depot, are now as small as regular bulbs. That particular brand is warranted to last nine years.
14. Turn the heat down at night. That’s why God created blankets and Grandma makes quilts. Flannel pjs for the kids are fine. Why run the heat at 72 degrees when no one is awake to enjoy it? Turn the thermostat down to 65 or lower and cover up! (Turn it down during the day, too. A shirt and sweater will keep most people warm in a 68 degree house. Besides, it’s good stewardship.)
15. Invest in a freezer. A solid upright freezer can be gotten from moving sales, estate sales or your local appliance company. Make sure it is not too old or the efficiency will simply not allow it to pay for itself. In my next post, I’ll talk about why it is so important.
16. Buy groceries once a month. Get into this habit as quickly as it is possible, perhaps when your tax return or tax rebate arrives. You will not believe how much money you will save with just this one move. (More on this one in the next post).
17. Trade the gas hog for economy. Prices are not coming down so now is the time to trade the Suburban, Expedition or Mammoth Car for a 4 cylinder or hybrid. I’m so thankful for my 30 mpg around town Accord, but we’re really debating what to do about our 18 mpg truck. If it can reasonably be worked out, it’ll be gone.
Coming next: Saving Money Through Winning the Grocery Game
