I have been saving/investing 10% of my pay since I started full-time work before I turned 18, that was 33 years ago (I went to college at 26). That and an inheritance allowed me to retire at 45. Being frugal helps; I drive a 22yo. car and watch a 19yo.TV. My dad instilled a frugality in me that says to never throw anything out if it's still working. That alone has added so much to my savings. Facing mortality (as I age) has a way of making one conservative (financially).
We'll save a bunch of coupons and stock up on things when it appears they're on sale. Even though it's 50 cents here, 75 cents there, when you purchase a pile of things, it can add up to $40 or $50 worth of coupons pretty quickly.Coupons most of the time, as they're rarely worth it. Save 50 cents, limit 1 per customer. On something that cost's like 10 bucks. Now if I happened to run across like 20 of those coupons, and they stacked, great, but coupons rarely stack and are usually limited to 1 per customer. Sure you can go in and out all day and they probably wont recognize you, but that's more trouble than it's worth.
I also prefer to run vehicles into the ground. Though, last week, I bought a Cruze for my wife. Just filled the tank up yesterday and did the math: over the course of a year, assuming we drive the same number of miles on that as we did our grand caravan, we'll save just shy of $2000. So, in 6 years, the vehicle will have paid for itself via gas savings.I have been saving/investing 10% of my pay since I started full-time work before I turned 18, that was 33 years ago (I went to college at 26). That and an inheritance allowed me to retire at 45. Being frugal helps; I drive a 22yo. car and watch a 19yo.TV. My dad instilled a frugality in me that says to never throw anything out if it's still working. That alone has added so much to my savings. Facing mortality (as I age) has a way of making one conservative (financially).
Gift cards and coupons have more value than pennies.
I started skydiving 2.5 years ago. I've calculated (very roughly) that I've spent $35k on jumps/gear/training in that time and will very likely never see a single cent of it back in any form.
I started skydiving 2.5 years ago. I've calculated (very roughly) that I've spent $35k on jumps/gear/training in that time and will very likely never see a single cent of it back in any form.
WTF? Gift cards sure, but most coupons are worthless. You must be either really young, or really bad at personal finances, possibly both.
Guilty - 50's and 100s for bar tabs on a weekly basis. We like to drink.
Can't live on Ramen & water while sitting at home under a blanket with no heat while watchng OTA TV on a free CRT TV.
Coupons are worthless. Pennies are worthless.
All of this. I don't get penny pinchers. I make money to maintain a lifestyle.
Coupons most of the time, as they're rarely worth it. Save 50 cents, limit 1 per customer. On something that cost's like 10 bucks. Now if I happened to run across like 20 of those coupons, and they stacked, great, but coupons rarely stack and are usually limited to 1 per customer. Sure you can go in and out all day and they probably wont recognize you, but that's more trouble than it's worth.
its 2014. There is no reason we still have pennies, nickles and dimes. They are worthless.
I throw away coupons and rebates. Unless they are worth more than $25, I promise I will never use them.
Gift cards I get and forget about. Then they expire and I have to pitch them.
Wasting leftovers? That's what dogs are for! Leftovers are cheaper per pound than dog treats.I wonder how many atoters throw away money by wasting leftovers, throwing away out of date food, throwing out clothes that are no longer worn and, by buying new everything because they can't bear the the thought of someone else having touched it.