Monday, May 9, 2011

Frugality Tip #4: Stop Spending Money on Unnecessaries

Say “no” to every telemarketer who calls, even if they talk about childhood cancer. I like to turn it into sport, like when they call about me paying for life insurance or funeral costs for firefighters and cops. I feel a little bad, but I have to ask, "Um, my husband pays for OUR life insurance, so why aren't THEY paying for their OWN life insurance?" or "How come my tax dollars aren't going to the vets instead of you calling ME personally and asking me for money, 1/2 of which is going into the pocket of your CEO?" The telemarketer gets all flustered and doesn't know what to say, and that's the end of that.

Buy ONE box of Girl Scout cookies every year, not 10.

Spend less at Christmas (we don’t go crazy AT ALL, but I noticed last year the kids were tired of opening presents after about the 4th of 9 … so this year how about 5 gifts per kid and head to Craigslist!)

Spend less on gifts for the endless birthday parties we attend (working on an article on this; remind me to link to it once it’s out)

Check Dave Ramsey’s site and contact an insurance Endorsed Local Provider to see if we can get a better rate on our car and home insurance. Cancel full coverage on our trashed-out minivan, which will save about $30 per month.

If I can’t afford a $5 coffee I can’t get it until the next writing check or payday, no matter how badly I may want or need it. I’ll just make coffee at home or else buy a $1 iced tea at McDonald’s or take a B12 with a bunch of water.

Share your ideas with me!
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