We've also taken a few steps to try to save money.
1. We got rid of my cell phone plan. I'm at home most of the time, so people can always call me at home. The only time I need a cell phone is when I go out, and that is only so my husband can reach me if/when he needs anything, or in case of an emergency. We pay $100 for 1000 minutes that usually last me 7 - 9 months. That saves us a few hundred dollars every year. For our home phone, we have Vonage. It saves us a lot, especially on international calls to family members who live overseas.
2. I personally have never shopped at a thrift shop, but I don't buy clothes very often. I only buy clothes when I need clothes. Sometimes, I sew my own clothes. When I buy, I prefer to buy nice clothes...usually from Macy's. You'd be surprised to know the great deals you can get at Macy's during big sales and clearances. I have managed to buy dresses that were originally $150 for less than $30, and $50 pants for $10. You can get good deals there if you look at the right time, in the right racks.
3. We often sell things we don't need on Amazon, like books, etc. That brings in some extra cash.
4. We eat out only once or twice a month. Cooking at home saves a LOT of money, and you can make it a lot healthier too.
5. I try to use the AC/heat only when absolutely necessary. Warm clothing and blankets help save on bills.
6. I was driving less when gas prices were high, but now that they're low again, we've become a little relaxed on the driving.
7. You'd be surprised how much money you can save by shopping for groceries at small, individually owned shops instead of the big stores like Safeway and others. What costs 20 cents at a small grocery store would cost $1 at Safeway. Translate that into an entire week's shopping and you'll be saving at least $20 a week.
8. We stay completely debt-free by not getting a loan on anything.
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