- I pay cash for big purchases like my new laptop. At least I’m trying to.
Well sort of. Apart from my emergency fund, I'm saving for Cancun in a separate account. While I'm not sure I'll be able to access the account due to Visa Debit but I know that if I do charge them, I'll be able to pay it off as soon as I return.
- I use MyPoints.
I don't. I used to. I don't like the spam. I do use e-Rewards and have joined Focus Forward after doing one survey for them and being paid $75.
- I canceled my last outstanding membership… to the gym.
This I won't do, especially with it getting cold and darker earlier here. Exercise is my sanity and healthy. I don't think it's that dire of an expense. I also think it would cost me more to get out of it. I think I'd find other things to cut first if it came to that point.
- I network. Not only have I met a lot of great people, I have made invaluable contacts which gives me access to good deals and opportunities.
Absolutely, and you never realise when those contacts will come in handy.
My own things:
- The once-a-month/six weeks trip to Wal-Mart has cut way down on grocery trips, a big money sink. I stock up on perishables when needed to supplement what I have.
- I'm not a fashionista. I'll wear clothes until they no longer fit and/or are totally worn out. Even on graduation I didn't blow a lot on new clothes, I did spent some of my tax stimulus on some needed new items but really, I'm not as bad as a lot of people I know.
- Self-pampering is in check. I dye my own hair at home-pedicures are a summer-only occasional treat.
- I clip coupons and am aware of online specials, i.e. Metro North's Web Ticket for multi-ride trips.
- I participate in rewards programs that reward me for purchases I already make.
- I consolidate credit-card debt to the lowest possible APR to reduce interest paid on existing debt.
- I participate in BookMooch and BookCrossing and the spending on postage is far less than new books. The urge to buy them is mostly under control.
Where I know I need to improve:
- "Fastfood" non-food. I.e. the soda on the way into the office (I don't drink coffee). PepsiPoints has made me realise just how much I drink.
- Impulse shopping.
- Bring/cook my own meals more often.