Showing posts with label Money Mondays. Show all posts
Showing posts with label Money Mondays. Show all posts
6/28/10
Money Mondays - My Grocery Budget Part II
At the very end of May, I talked to you all about my grocery budget and my goals for the month of June in terms of tracking (and reducing) my spending. Well, the month has come and gone quickly, so now I'm back to update you on my progress and final tally.
If you remember, my May total for groceries was $530.46 and eating out was about $109, for a total monthly food budget of $639.46. I set some goals for myself for June, which were the following:
1) Reduce my grocery bill to $450 for the month
2) Reducing eating out bill to $30 for the month
3) Explore new ways to get local and healthy foods for cheaper (farmers markets, ethnic stores, etc)
4) Not compromise on quality while trying to save
I have to admit, I'm pretty pleased with the progress that I made in only one month's time, although of course there is always room for improvement, and I did not achieve all of my goals. As far as the month's tally, in total I spent $420.38 for groceries and $67.81 for eating out, which totaled $488.19! I also saved $110.03 through my use of coupons, which was a savings percentage of about 21%. The savings number actually should be a little bit higher though, as I bought a good selection of meat on sale at the commissary for "reduced pricing" (it is the meat that they need to get rid of faster) and that is not calculated into my amount saved on my commissary receipt.
If you are counting, the amount that I spent this month was $151.27 less than last month, which is a 23.6% savings over last month! I am always more inspired by the savings percentages, because it just seems like a larger chunk! It makes me pretty proud that I reduced our grocery spending by almost one fourth in only one month!
Here were the best tips that I used to achieve this progress:
- I did continue to use coupons. I scoured the internet for organic and healthy food item coupons, and used them on things that were already marked down (like some organic tomato sauce for about $1, and organic whole wheat pasta for about $1 as well).
- I mapped out my meal planning for the month, and really tried to use all the meals up. I have found that often times I am really good about sticking to the meal plan at the beginning of the week, but then we branch out a little bit as I get more tired of the foods we have in the house. One way that I combatted that boredom or whatever is that I always have some of my whole wheat homemade pizza dough ready to be whipped up into a homemade pizza, which has become our standby meal for the nights we don't feel like having a big to-do dinner. This has really helped, since we haven't been going out to eat as much, and also haven't been going to the store to just pick up a few things to eat for dinner.
- Making a grocery list - this has been invaluable to me. I've always made grocery lists, but just this month I have started really sticking to them and not throwing in a bunch of extras. Maybe we don't have as many snack foods around the house, but who is really missing them anyway?
- I have made less cookies. This was one of my original goals, and I think I only made two batches of cookies this month. It has cut down on our milk consumption, and also cut down on our desserts consumption!
- Taking stock of my pantry, freezer, and fridge before going to the store. This was part of Keeper of the Home's series, and I think it is something I will do every time before I go to the store for a big grocery trip. I haven't been as good about keeping up the inventory lists that I made last time, as we go through food pretty quickly and I don't really feel like crossing all the little cans of stuff that I've used off, but I definitely think that it helps me to get a handle on what we already have and don't need to buy again, and that helped me to cut down on my grocery spending a lot.
Although like I said, I am pretty happy with my progress, I also recognize that there are still some things that I need to work on in terms of getting my grocery bill to where I would really like it:
- More vegetarian meals - we are not vegetarians by any stretch of the imagination, but cutting back on meat is one of the easiest (in my opinion, but I'm not a big meat person) and most effective ways to reduce cost on meals.
- Less eating out - this is really my fault more than my husbands, as a few of the "eating out" meals this month were times that I went out with friends when he wasn't around. I'd like to start doing other things instead of just getting together for lunch, which is often the easiest thing to do. Some of the ideas of Work on It Wednesday - Get Outside! would be applicable - I am going to ask my neighbor if she wants to walk the dogs together, or maybe go over to a friends for lunch instead of going out to eat.
- Farmer's Markets - turns out the best farmers market around here didn't really open until last weekend, so I've only been once. We were sorely unprepared (no cash or a cooler), so we'll be going back again sometime soon. I'm planning on getting more meat, so hopefully we can improve on the quality of the meat that we do eat. That is the one place that I am really unhappy with our grocery situation at the moment - we are still eating the conventional, non organic, nasty commissary meat. This wouldn't be an area that will decrease my spending, but hopefully it can even out with the other things.
- Stop buying toiletries! Argh! As I said in Why I Quit the Grocery Game and Other Thoughts about Saving Money, I do still to some extent play the "grocery game" with my toiletries. The thing is, I have so much body wash, shampoo, conditioner, and toothpaste that I really don't need anymore! We're moving soon too, so I need to stop stockpiling! I think some of that gets a little addictive, as I feel like I need to get the good deals out there. Money spent on things I don't need, even if I got them for a good price, is still wasted money. Goal for July: No more toiletries (except whatever I can buy with my leftover $6.50 in register rewards from Walgreens).
So there is the update, my progress, and a few goals for next month. The budget for the next few months is going to be a little skewed, as we are moving in the middle of August so I'll probably stop buying groceries completely (except for maybe a few fruits and veggies) around the end of July, and force my family to eat whatever we have (anyone want some spaghetti sauce and rice for dinner?!) =) I refuse to let the massive amount of food in my walk in pantry go to waste, so I fear we'll be eating some weird meals in the upcoming weeks. That being said, I'll let you know at the end of July what kind of progress I've made, and maybe July/August will even each other out (since we'll be buying staples all over again in August in our new house).
I hope you've enjoyed reading about my progress. Have you made any changes to your grocery budget lately? I would love to hear other people's end of the month numbers for their family. If you don't mind, let me know the region that you live in, how many people you are feeding, and if you buy organic/"real" foods or not. I am (for whatever reason) really fascinated by this, so please join in and share! Also you'll give me something to aspire to, as I really have no idea how my numbers compare to anyone else!
6/21/10
6 Expensive Habits You Can Live Without
This is a guest post for Money Mondays written by Andrew Salmon. Stay tuned for next week's Money Monday where I will update you on my grocery budget for June, and how well I stayed within my very clear set of goals (hint: pretty dang well...so far!)
Saving money is getting harder and harder to do these days. And yet, we waste a fortune every year on things we don’t need or are too absentminded to stay on top of. With enough legitimate demands on our money, it’s a shame to squander what’s left on too much comfort or convenience. Here are six habits we can live without.
1. Butt Out
Quitting smoking is tough. Anyone who has tried can tell you that. But you won’t find a more rewarding habit to break. The health benefits aside, let’s focus on the financial windfall that’s waiting at the end of that last puff. Nothing about smoking is cheap: the price of a pack of cigarettes gives the value of gold bullion a run for its money. Then there’s dry-cleaning for your clothes, breath mints and gum, gas when you drive to the store to restock, etc. They even charge for matches these days. So butt out and save! Big!
2. Yes, Virginia, There Is A Kitchen
Everyone loves a nice meal in a fine restaurant. Every once and awhile. Sure, dining out is easy and there are no dishes to wash afterwards but it’s a habit that will starve your wallet. Buy groceries and eat at home most of the time. Save that trip to the restaurant for a special occasion not because you’re too tired or lazy to cook.
3. Plain Ol’ Joe
If you’re serious about saving money, then say goodbye to the $5 coffee! It doesn’t matter if you like the taste of coffee or are just drinking it for the caffeine to keep you going throughout the day, buy plain ol’ coffee. Or, better yet, bring a thermos of the stuff from home to drink. Do the math: 3 X $5 coffee a day = $15. Multiply that by a 5-day work week = $75. Times 52 weeks = $3900! We’re talking serious savings here. 4. Get Me To The Bank On Time
Nobody likes to pay bills, which is why we’re so often late doing it. But that tardiness is costing you extra money through late fees and other charges. They seem minimal when one pops up on a statement. However being chronically late with payments can add up to a serious cash drain. Stop the bleeding and stay on top of your bills. Paying late fees is totally unnecessary. 5. No More Trial And Error
Like snake charmers, magazines, newspapers and other mail clubs have a way of spellbinding us and getting us to agree for free trials of stuff. But how often do we forget that it is up to us to cancel these things when the free trial period is over! Failure to do so makes for surprise subscription charges to your credit card. And if it’s something you weren’t enjoying for free, you’re now paying for it! Either stay away from free trials or be vigilant. Either way, you’ll save.6. Dr. Retail Will See You Now
Feeling blue? Go for a walk. Call a friend. But stay out of the stores! Buying stuff because you feel depressed is one habit that you want to break. Instead of trying to buy happiness, work at making your life better, improve, challenge yourself. This will give you more peace of mind that than dress you’ll never wear or that new car. This article written by Andrew Salmon - he writes for a website that helps Canadians find affordable life insurance.
6/14/10
Money Mondays - Saving Money on Vacations
Summertime is the season of vacations. The kids are out of school, the weather is nice, and it just makes you feel ready to hit the road and explore the Wild West (or the beach, or another country!)
Summer vacations are great, memorable, family bonding times, but that doesn't mean that you have to throw your budget out the window in order to gain the experience. The following are some ways that I have found that help to keep a budget friendly vacation. If you have any more suggestions, feel free to leave them in the comments section!
1) Ask around - from your family and friends, that is! Maybe someone's family has a beach house that they aren't able to use the whole summer, and they will rent it to you for a fraction of the cost that the resort would charge. Maybe you could house swap with someone that wants to come to your town - particularly nice if you live in a vacation destination. You never know who has a vacation house, or whose parents or family members have a vacation house until you start asking. Don't be shy!
2) Find discount hotel rates - If you aren't going to stay in someone's house that you know, try and find the best deal possible on hotel rates. You can usually find good ones through Expedia or Travelocity, and I've also heard good things about Priceline, although I have never used them myself. Hotels are having trouble keeping full with the economy the way that it is, so it might even behoove you to call the hotel and ask them for the best rate. Also - negotiate! I have a relative who swears he has never paid full price to stay anywhere just because he negotiates! I'm not sure exactly how he does it, but my best guess would be just to ask!
3) Stay in a hotel with a kitchen or kitchenette - I know that vacationing and spending all day cooking don't really mesh, but by staying in a suite or a hotel that has small kitchenettes in each room, you can save a fortune on meals that you would normally eat out. Even if you still eat dinner at a restaurant every night of your trip, you can cut costs by eating breakfast in your room, and something simple like sandwiches for lunch. Don't forget to treat yourself, but every meal doesn't have to be a treat.
4) Be flexible with travel dates - This can be a little harder if you have older children or a very strict work schedule, but try and be flexible at least with your leaving and returning dates. Sometimes airline prices can fluctuate wildly within just a few days, simply because of the day of the week you are wanting to fly on. Same thing with hotel dates - often times in large cities hotels are actually cheaper on the weekends because they typically cater to business travelers, so by being flexible you can make sure you are getting the best deal possible.
5) Don't rent a car unless it is absolutely necessary - Rental cars are outrageously expensive, so buyer beware! It might even be cheaper to stay at a more centrally located but more expensive hotel, if you don't have to have a rental car on top of the hotel costs. Be sure you are looking at the big picture - staying in that cheap hotel that is 10 miles outside the city because less cheap when you have to drive everywhere, rent a car, and pay for gas (not to mention the inconvenience).
6) Consider "off season" vacations - Most warm weather vacations (think the Caribbean or Central America) are in season in the US winter time. US travelers want to escape the cold weather and head to paradise. However, when it is super hot in the summertime in the Caribbean, the rates dip drastically. Consider traveling in the locations "off season" for huge savings.
7) Consider "off the beaten path" vacations - Camping in St John USVI, touring US national parks, camping, etc. These less-luxurious-but-still-wonderful-experiences vacations can save you a bundle (especially if you are traveling with children) and can still offer what is truly important with vacation - a source of family time, a relief from the hustle and bustle of daily life, and a chance to spend quality time together doing something new.
Those are my best tips on saving money on vacations. I love to vacation just as much as the next guy (or girl!) but I definitely don't want to blow a budget when it isn't necessary. By following some of these vacation trips, we are actually able to save money and apply it towards our next vacation! Twice the fun in the sun = a happy Lauren!
6/7/10
Money Mondays - Ways to Make a Few Bucks Online
I don't know about you, but I'm probably never going to get rich online. Unfortunately, I am not Mark Zuckerberg (I'm not quite that computer savvy) and I'm never going to make my millions off the dot com marketplace. Alas, I've come to terms with that!
I have found, however, a few good sources to make a couple extra bucks online. I'm not talking about replacing your 40 hour a week job (I wish!) but just a way to make some money here and there with things that really don't take long at all. The following have been personally tested by me, and I've actually received a paycheck from them, so I know they aren't scams!
Opinion Outpost - I would have to say this is my favorite company to take surveys for. Even though it can be somewhat frustrating at times, because I don't always qualify for the surveys, they email you so many that there are almost always ones in my account waiting to be taken. If I was on top of my game and took them right away, I feel sure I would have made even more money, but so far in about the last month I've made $35.80 with them, which I feel like is a pretty decent amount of money considering the time I spend taking them surveys!
Pinecone Research - I don't get as many of these to take, but they are extremely prompt in their sending of your paychecks, and each survey is a $3 payout. This was the first survey company I signed up for, and I take every survey I get the opportunity for from them!
Swagbucks - I'm relatively new to Swagbucks, although if you have hung around the Blogosphere for any length of time you've probably heard of it. Basically you use their little search bar and you earn "swagbucks" every once and again for using it. You can also earn bucks for signing up for services, shopping online, and tons of other ways. I've been using it for less than a month, and I've made $10 in Amazon gift cards so far, which I absolutely love! I'm planning on saving them up, and either buying Christmas presents with them, or buying something nice for me and my husband! I can't say enough good things about Swagbucks.
These are definitely my top three sites I would recommend, and I'd say you could probably count on making around $60 per month from all three combined (although certainly some people make more!) I like to look at it as my "organics" money - it is money that I'm not counting on in my budget, but its great to have around for extras that we want, or maybe to buy a little organic meat, which is something that isn't usually in my budget.
There are tons more survey companies out there, but I only want to recommend to you the ones I've tried and actually been paid for. I know there are also a lot of scams on the internet, so please be careful in signing up for anything! Be sure to read through the information, and if you don't feel comfortable, don't do it!
Like I said before, I know I'll never get rich doing surveys, but they can be a great source of a little extra spending money. The time they take is minimal, and payout is great to have just that little bit extra (they all pay out very quickly too, which is an added bonus!) Whatever you need the money for - kid's afternoon activities, summer camp, gifts for weddings this summer, father's day gifts, whatever these can be a great way to get that little bit extra.
Do you have any other sites you want to share? Feel free to link up in the comments section. Do you have any tips on ways to make a little extra cash (aside from getting a second job) =) I want to hear how you make that little bit extra for spending money!
If you do happen to sign up for one of the above sites, I will receive a small referral bonus (except for Pinecone Research - I don't receive anything from them). I would greatly appreciate this bonus, but of course I would never recommend something to you, my wonderful readers, that I haven't personally tried and tested and really believe in.
5/31/10
Money Mondays - My Grocery Budget
This week for Money Monday, I'm going to talk a little bit about myself. ☺ I want to talk about my personal grocery budget, and ways that I am going about cutting it down (which, as you will see, needs to happen!) I'm not 100% sure what exactly I can cut it down to or what my goal ultimately will be, but I wanted to get some suggestions from you, my readers, and also to bounce ideas around. Remember that if you are commenting on posts, leave a comment on the Kitchen Tools Bamboo Set giveaway and tell me which ones you left because you get extra entries in the giveaway! Ok, here it goes...don't judge me too harshly!
This month, all in all, I spent $530.46 for groceries. I am including in this definition household items like toilet paper, cleaning supplies, toiletries, all grocery items, and pet food. So basically anything you would buy at the grocery store. This is for me, my husband, and our 17 pound dog Charlie. I also want to throw out there that we eat almost every meal from items that we make. My husband brings breakfast and lunch to work every day, and I eat at home. We make dinner most nights, but actually did go out to eat this month 3 times, for a total cost of roughly $109. Additionally we went camping for Memorial Day Weekend, and we ended up spending almost $60 just for food items for the camping trip, which probably skewed the results somewhat. Regardless, those are the numbers.
May is the first month that I have ever religiously tracked every time we went to the grocery store, and frankly I must say that I am rather appalled. I expected to spend around $400, and I was even okay when we got up to $450, but $530! That averages $132.62 per week, which I guess makes it sound somewhat more reasonable, but still seems like a pretty high number for just the two of us (our dog only ate one, $8.50 bag of dog food this month, so he's not really very expensive). I think the thing that bothers me the most about it is that we spent the additional $109 on eating out. That brings our total "food" budget for the month to $639.46. Yikes! That just seems crazy to me.
I'm not opposed to spending money to get good, high quality foods. I knew that our grocery bill would go up once we started buying more organic items, and unfortunately I wasn't reliably tracking the expenditures beforehand, so I don't have a number to compare to. I'm going to look at $530.46 as my starting point, and work from there to get it down. I am not trying to get down to $30 per week or anything like that (see post here), but I would like to spend around $450 per month on the two of us. I think that is reasonable and doable.
I also want to point out that while I am disappointed to know that we spent so much on our groceries, I am pleased to know that we save a total of $142.11 through the use of coupons and grocery store saver programs. In total we saved about 22% off the cost of our groceries through combining this two ways of savings, and I feel pretty happy with that. I'd always like to be able to increase that number without compromising the quality of our foods, but again I feel like it is an okay starting point.
Here are my goals for the next month:
- Reduce grocery bill to around $450 this month
- Reduce eating out bill to $30, which would be 1-2 eating out meals depending on what kind of restaurant we go to (something like Red Robin versus something like Chipotle)
- Continue to explore new ways to get quality food items (specialty stores, ethnic markets, ordering online)
- Not compromise the items that I am buying to save cost. Even my husband agrees that foods that we are eating make us feel better and they taste better, and I do not want to save money by cutting down on quality.
I'm planning on saving a little bit of money by doing the following things:
- Continuing to use coupons when I can find them. Right now on Coupons.com there are coupons for Cascadian Farms products, Muir Glen products, and Boulder Canyon Chips. You can usually print these up to two times each per computer.
- Meal Plan. Part of Keeper of the Home's Cook More Real Food series involves some meal planning, and I've written my own thoughts on Money Mondays - Meal Planning. I'm planning on only meal planning for one week at a time though, as I find that two weeks at a time just gives me too much time between trips to the store, and we run out of healthy items like fruits and fresh veggies. Key to making meal planning work is sticking to my grocery list when I go to the store, which brings me to the next bullet.
- Make a grocery list and stick with it! I get so hungry/gluttonous when I go to the store, and I just want to try everything. We do usually end up eating it, so food rarely goes bad in my household, but that doesn't mean that we would have missed it if I hadn't bought it.
- Make less cookies - I know this sounds like a weird one, but I always have homemade cookies sitting around, and my husband loves them. He really loves to eat them with a big, tall glass of ice cold milk...organic milk, that is! This can get rather expensive, as we go through about 2 gallons of milk per week. Not only is it not great to be eating cookies all the time, I'm planning on cutting down our milk purchases through having less cookie options (shhh, don't tell the hubby!)
- Go to the store 2x per week to check out the reduced price items. We can often get organic milk, cheese, and eggs for 50% off when we hit the reduced item section.
- Exercise self control. My biggest problem is that I love to shop, and I really love to grocery shop. I have a lot of trouble not picking up new items every few days, because it always looks so good. This month, however, will be an exercise in self control for me.
- Hit up the farmer's markets. According to the information I found online, one of the ones in my town is opening this week, and most of them should be open by the end of the month. As we've talked about before, shopping at the farmer's markets can help to reduce the cost of items like organic fruits and vegetables, as you are cutting out the middle man.
- Last, but certainly not least, we are going vegetarian for at least two to three meals out of the week. I find that I spend quite a bit on meat, and that is without even buying organic or grass fed meat (I didn't think we could really fit it in the budget). I am hoping that by cutting down on the meat, we can buy better quality and healthier meat. This may be a wash in terms of money spent, as we'll be eating less meat but it is pricier. I'm okay with that though, since I am not a huge meat eater, but I want the quality of our meat to be better.
That is my plan of action for the upcoming month. I'm really optimistic about my progress, and I know that we can cut down on our expenses simply by being more aware of the times we are going to the store, and how often we are throwing things into the cart just because it looks good at the time.
Have you cut down on your grocery bill without sacrificing quality items? What are some tips that you want to share with the rest of the readers? Any secrets of the trade? I would love to hear from you about all that you've learned! And remember that each comment up to 4 earns you an extra entry in the giveaway!
5/24/10
Money Mondays - Buy Local and In Season
It's almost June now, which means for most of the country farmer's markets and local farmers will be beginning to have some crops ready for picking! This is great news for both your wallet and your stomach! I love summertime. It is by far my favorite season of the year, not only for the fresh produce but that does definitely add to my favoritism.
Eating in season (and even more so, eating locally) can save you lots of money. Because local farmers do not usually have the overhead of packaging, marketing, advertising, and extensive transportation costs of conventionally grown and sold produce, they are able to pass that savings on to you in the form of lower prices on things like meat, eggs, dairy, and produce. Often times, local farmer do not have the time or resources to get USDA certified organic, but do use organic growing methods, so you are able to get organically grown produce for far cheaper than the local supermarket. Not only is it organic (which is obviously important to me, but not the be all end all of what constitutes healthy), but it is local which means that it is picked when it is actually ripe instead of being picked weeks before it ripens and then having it sit in an 18 wheeler while it is taken across the country, or even halfway around the world. I recently bought some organic pears from my local Safeway, and I was bummed to notice once I got home that the pears were actually from Argentina. Although I love having organic produce, I'm not sure that a pear grown organically and then transported from Argentina to Colorado is really a step up from, say, a pear grown in California (although I will always opt for organic, but ideally I could find an organic pear from at least the West Coast, if not the state).
Eating locally also allows you the benefit of getting to know your grower. This way, you can ask about the growing methods, how to use an obscure vegetable, and whether or not they use chemicals in their processing. Simple Organic has a great post on questions to ask at the Farmer's Market.
Another way of saving money on produce during the summer season is by joining a CSA (Community Supported Agriculture). Basically a CSA is a local farm that has consumers buy shares of their produce for the season. You usually have to pay the cost of the share up front, which provides the farm with a little wiggle room in case their crops happen to be bad that season (which is a risk you should be aware of when joining a CSA). After you sign up and pay, once a week (or however often your CSA does it), they deliver the produce to you. There are obviously different factors to consider when you are thinking of joining a CSA, such as the size of the share, how many weeks they deliver it to you, whether the pick up site is convenient for you (if you have to drive an hour each way to pick it up, and you drive a Hummer, it may no longer be cost effective for you), if you are willing to experiment with foods and eat the variety that is presented, and the total cost. In my research on CSAs, it seems like the weekly cost of a share varies between $12 or so dollars to upwards of $22 or so. Obviously this would be something that would need to be taken into account individually, but CSAs can be a great source of lower prices produce. Local Harvest has a website that you can enter in your zip code and find a CSA close to you. If you want to read more about CSAs, the Frugal Green Family has a great post on the pros and cons of joining a CSA.
Here are some additional resources if you want to look for farms and farmer's markets in your area.
- Eatwild.org that has a clickable map of the United States where you can find local farmers in your area and map them out to see which ones are closest.
- Rodale Institute's Farm Locator allows you to find farms in your area that sell directly to consumers.
- The USDA has a Farmer's Market search that you can use to find farmer's markets in your area.
What are you doing to save money during the summer months? Have you joined a CSA or started shopping at a farmer's market? I would love to hear your experiences!
5/17/10
Money Mondays
In addition, I will be updating you with my own monthly budget as it applies to my grocery savings and expenditures.
I feel like in interest of full disclosure, since I talk so often about food and organics and all, it will benefit me to share my monthly grocery bill with you all. I'm also hoping this will continue to inspire and challenge me to improve my own budgeting and ways to save. I'm not going to pretend like I am one of those people who is going to blow you away with our grocery budget. I'll lay it out there right here at the beginning - we spend about $400 per month on groceries. However, I will tell you that I feel like we are eating far better quality than we have in the past, and it is a choice that we make to spend that much and eat the way we feel like is best for us.
I love to read about budgeting and ways to stretch your paycheck further. As a non-working spouse in my marriage, I feel like it is my duty to be the best manager of my husband's paycheck that I possibly can be. Since he is in the military, his paycheck is the same every month (except during a deployment) and there is no opportunity for overtime or extra income. I say that only to make the point that the paycheck that we get every month is just that - there is never any more, never any less (this is certainly not a complaint. I feel very lucky to have the stability of the military). Thus, I feel like it is my job to manage this paycheck in the best way that I can, and I hope that I can share some of those tips for my readers!
As always, I would love for you to join me and share you own ideas. What do you do to save money? What is your favorite way to save? Do you focus on frugality in all walks of life, or narrow it down to just a few?
As always, I would love for you to join me and share you own ideas. What do you do to save money? What is your favorite way to save? Do you focus on frugality in all walks of life, or narrow it down to just a few?
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