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Your Top Saving Secrets

Saving up for kitchen remodeling, flat-screen TV, or just a rainy day? Read how these Nesties stretch their dollars.

Since quarters and dollar bills never seemed to save up quickly enough, we started a $5 jar. --chicker

Raise deductibles on your homeowners or auto insurance -- that can save you several hundred dollars a year. --sara_c

I turn down the heat to 66 degrees at night. And I keep a rolled-up towel against the bottom of the outside door to keep cold air from coming through the cracks. --jojogal

We buy our red wine at Trader Joe’s. Our favorite right now comes in at $5. It’s called Trellis. --sonrisa

My FI and I got rid of the house phone and depend only on our cell phones. We both have the same company, so we can talk for free, and then we lowered our minutes to the smallest amount possible. --soooexcited26

We buy our drug store stuff at Costco. It’ll seem like a lot at the register, but the unit price is well below other stores (I’ve compared!). This also got me to give up frills like girly shaving cream (I use DH’s now) and printed paper towels. --SunMoon&Stars

I heard the suggestion to call my credit card company and ask for a lower rate. I had thought that would never work, but it really does! I couldn’t believe how easy it was! --flymansWife

I love TreasureTrooper.com. I’ve earned $25 to $100-plus a month doing surveys, cash shopping (you get a percentage of the money you spend at different online stores), and cash offers. --grrlygirl

We’re starting to eat down our pantry supplies, so I have lots of incentive to get creative with my cooking. --lilmufish

Definitely make use of your local library. In addition to checking out books and magazines, our library has a great movie collection -- we get tons of new releases! It saves us a lot and we don’t feel deprived. --FabulousMrs.P

Take advantage of the shopper reward credit cards at your grocery store or drugstore. You get coupons for stuff you actually buy. --Nestkatie

Instead of going out to eat a lot, I have started asking my friends to come over to cook dinner and have game night. It’s always a lot of fun. We play games like Catch Phrase, Cranium, Scene It?, and Taboo. --oct06wedding

Save even more money by cutting your bills with these tips!

How long will you save for a big purchase?

25 simple ways to save

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Take Dave Ramsey's course!

by Jberbie25 on Apr 23, 2009

We rent movies instead of going to the movie. We can watch 6 monvies a month for less than the price of 1 movie ticket.

by amandabc28 on Apr 30, 2009

Stock up on your grocery store favorites when they are on sale. Search the ad papers or your grocery store's website for deals that week. I love the Buy One Get One Free deals. You can really save for just a little but of effort.

by jujub0423@yahoo.com on May 04, 2009

YES! Dave Ramsey is awesome! He also has a radio talk-show that's fabulous...we've learned a lot listening to him.

by keelys521 on May 13, 2009

CVS has some great deals - as long as you only buy what you need. I just got a $25 giftcard for filling my prenatal vitamins there, and $10 CVS bucks for buying my Aveeno shampoo and conditioner, and lotion at the same time.

by dogmommy4now on May 15, 2009

We are currently in Dave ramsey's Classes! love them! they are helping us out so much, its changed how we handle our money.

by elfsgirl08 on Jun 03, 2009

i've started clipping coupons. they send some of the sunday paper coupons in the tuesday mail so i wait for them and also found the website coupons.com is great. it's free and all you have to do is look, mark the ones you'll use, then on the last page click 'print clipped' and it sends the coupons right to your printer. i then go to the grocery store on double coupon day. save us quite a bit. we go to BJ's to get meat and staple items. the great thing is they take coupons from the paper and websites.

by katiescarlet1220 on Jul 05, 2009

My husband and I start Dave Ramseys class in September and Im SOOOO excited about it. I also just cancelled my home phone today and saved $300 for the year just by making a phone call.

by sheilamaude24@yahoo.com on Jul 29, 2009

We rent movies at Redbox instead of a movie store and it saves you about $4 a movie (depending on how long you keep the movie). We also have the Dave Ramsey kit and are about to start taking classes.

by lirby711@gmail.com on Aug 18, 2009

Check out EZ Meals. You pay $30 for 6 months and each week you get 5 dinner recipes along with a shopping list. You get to pick the store you shop from and they base the meals on what is on sale at that particular store for that week. My mom gave me this as a gift when I got married and I just started using it and love it! You don't have to plan meals every night because they are planned for you and it saves you money on your grocery bill every week!

by lirby711@gmail.com on Aug 18, 2009

I've recently read that most grocery stores put each item on sale once about every 12 weeks. When you find something that's on sale, stock up for the next three months and avoid paying normal price each time you go shopping.

by alliecatn1 on Aug 20, 2009

we have increased our recycling... even had my son canvass the nieghbourhood for other peoples recycling, we average 75 dollars a month cash in our pockets..... and a lot less plastic and glass in the dump!

by Cynthia-Raven on Sep 29, 2009

The biggest saver for us: Not eating out. We get smart when we shop, and buy items that can be used multiple times and used in many different kinds of dishes :) We treat ourselves every now and then to something special, but we've found we can cook food that's even better than what we eat out! Also, we got a Netflix account. My husband and I both love movies, and instead of paying $14 each for a night out, we enjoy watching movies instantly online or having them shipped to our place.

by msjbear on Oct 16, 2009

I sorted out my quarters from the rest of my change and everyday I would stick a few dollars from my tips in there as well. Imagine my surprise when I opened the container at the end of the month and found almost $100.

by cinderellabride81 on Oct 17, 2009

We invested in OOMA, a VOIP system. Works like Vonage, but you just pay for the unit with no monthly bill. We tried the no cell phone route, but the reception in our area is not that reliable. We can call family members all over the country with no charge.

by sarahdtobe on Oct 19, 2009

We sat down with our budget and realized we were WAY overspending on quick trips to Target, Walgreens, etc. $10 here and $15 there can really add up! Also, by sticking to a strict budget, we realized we could just live on my salary and use his to pay off debt and save for a house!

by amanda.beth on Oct 21, 2009

We've started going to the Dollar Theater instead of the regular movie theater. It's a lot cheaper than renting a movie too.

by angelofmusic219 on Nov 03, 2009

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by hunuw on Nov 07, 2009

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by hunuw on Nov 07, 2009

It pays to do your comparison shopping online first. I've gotten great deals on our reception favors, paper for our invitations and even my wedding gown (bridalonlinestore.com). Most sites offer free shipping and handling and no tax if your order is a minimum amount. JAAH10

by JAAH10 on Nov 08, 2009

Things we do to save money: shop at Sam's for certain food items & health/beauty products, shop at Trader Joe's - healthy options at great prices!, cook at home more than eating out,use Redbox to rent movies & go to the "cheaper" theater when we do want to go to the movies, and we have cut down on "sweets" & junk food which is better for our wallets & waistlines! :)

by Heather&Ben on Nov 23, 2009

Dave Ramsey is amazing! We learned so much, still working at it though :)

by Firemanswife112109 on Dec 22, 2009

I rent movies for $1 a piece out of my local Blockbuster machine instead of nearly $4 from the local movie store. I can get 4 new releases for the price of 1!

by malonemommy on Dec 29, 2009

Redbox is a great way to see all the movies you want, my FI and I get one or two a week and only spend a dollar and tax, not bad! We also play a lot of board games with our friends and we ask for them for holidays so they are just about free!

by eloved on Dec 30, 2009

My FI and I also use coupons for our groceries, it is a good way to come up with new meals too- base meals about what you have coupons for that week!

by eloved on Dec 30, 2009

We're like amandabc28. Using Netflix allows us to rent tons of movies a month for way less than the cost of just tickets to go to the movies- and popcorn is cheaper and healthier here too!

by luckeyfrog on Jan 09, 2010

when you grocery shop purchase the items that are generic. Although some items you must buy brand name, try to get them on sale. You can never see how much food you can get for $100 if you go the cheap route.

by Bednatik07 on Jan 31, 2010

We do RED BOX $1 dvd rental.....check them out there in most Walmart's.

by LSEALS on Feb 03, 2010

What radio channel is Dave Ramsey on? I have his Total Money Makover book and I love it...I want more!

by Jaymers83 on Feb 10, 2010

We love netfilx- can catch up on tons of movies we've missed since we're to cheap to pay to go to the theatre!

by mel_m_23 on Feb 11, 2010

Yes, I totally agree to take Dave Ramsey's course! That guy is brillant and has so many great tips on how to get in control of your money!

by cayannagirl on Feb 12, 2010

I use coupons as often as possible and I keep them on me at all times! Each week I add up the money I saved using coupons and put that amount into my savings account. Whether it's $2 or $10, it goes into my savings account. It may not seem like a lot, but it adds up over time. On average put away between $15 and $20 per month!

by kandt925 on Feb 22, 2010

I make a budget for my grocery shopping, and anything that I don't spend of that budget goes into an envelope in my pantry and I can spend it on anything I want. Fantastic way to motivate myself not to spend every penny at the grocery store! I also try to bake and not buy things like cookies.

by Molly-Doll on Feb 23, 2010

Love the $5 jar suggestion. I've gotten in the habit of never spending change...I just collect it and put it in the jar. Should be easy to get in the same habit for $5 bills.

by emhunt on Mar 05, 2010

Buy your shampoo, soap, dishes, towels, etc. at the dollar store. I always make at least one run a week to the dollar store to pick up what I need. When shampoo and conditioner costs $3-5 dollars at regular stores, I can get 3-5 BOTTLES of the stuff for the cost of one at a regular store!

by mrsgleason on Mar 06, 2010

I also say Dave Ramsey!

by jinxed8605 on Mar 11, 2010

Every Sunday morning I plan my next weeks menu (including our brown bag lunches), then I head to the grocery store. I find ways to use items throughout the week, spend less at the store, eat healthier foods and have more time to hang out the the hubby! How could you go wrong? Because I'm also a bit of a organizational freak, I like to type up my menus and shopping lists so I can cross reference them later...Oh dear... :)

by reganwheel on Mar 20, 2010

Red box is a great option for renting movies! Only 1$ per night and tons of great movies.

by rlarson@calpoly.edu on Mar 30, 2010

Kroger often runs sales that are certain items (mix and match) 10 for $10.... it really makes a difference!

by bgillis@ivytech.edu on Apr 05, 2010

What a great tool, my fiance and I are trying to save as much as we can, we're not getting married until next year. I found some great websites like Betty Crocker, Pilsbury and coupons.com for grocery coupons, I've saved up to $30 each visit! (I live by myself, so that's a lot!)

by NicMatt09 on Apr 29, 2010

I agree DAVE RAMSEY FINANCIAL PEACE UNIVERSITY COURSE! It's great. My fiance and I did it separate when we were living single, it worked great :) We're going to continue with following his methods. They're clear and categorize where to start and have easy steps to follow with any life circumstance. Check it out!

by WalSch86 on Jun 05, 2010

Dave Ramsey's your man! I just read his Total Money Makeover thanks to dad!

by timkim2009 on Jun 13, 2010

We cut out the cable bill and got a subscription to Netflix, a whole year is less than 1 month of cable, internet and phone

by eeyoreem on Jun 14, 2010

Walmart always does price matching so i always check adds before i go and get everything at the lowest price.

by blakeprice14 on Jun 27, 2010

Touche' on the Dave Ramsey. He's helped my husband and I out tremendously! We are now totally out of debt, with the exception of our home that we are currently building, have a savings and have ben able to invest!

by ajmassey09 on Jul 06, 2010

Dave Ramsey's envelope budget system is the only way to go!

by katyjo30 on Jul 07, 2010

No cable! We live in an area that we get chanels 1-13 free so news and ABC and stuff but for everything else we use netflix (lowest plan $10 month) with instant stream through the Wii. We eventually plan on spending alittle extra on a samsung dvd player to do the Hulu.com through it for $10 and internet through Clear.com $40 (not always perfect service but cheep) so total we pay $60 for cable and internet that through a cable company after their promos you would pay close to $100 for. My husband is also retired Army so we drive 1/2 hr every month to grocery shop at the commissary (cheeper than any store close to us) When we want to go some place and not in a hurry we use the bus way cheeper than gas, parking and the trouble especially going places like pike place market in Seattle.

by taylors110905 on Jul 26, 2010

my husband and i have direct deposit as well as a budget. Everytime we get paid we withdrawal money we set aside for groceries, gas,bills etc. this way we spend on things we need and take a majority of what is left and transfer it to our savings, its amazing how the balance grows.

by ccmissur on Jul 27, 2010

I agree!! Take dave Ramsey's course!!

by RyanandTrina on Aug 05, 2010

We do the same thing at our local Library, Ton's of new releases for Free, as long as you get them back in time of course.

by Sam_Hooah on Aug 18, 2010

I tried TreasureTrooper.com and all you are doing is asking fro spam. I am not sure if this is the best way to make money.

by kmzook on Aug 26, 2010

we use coupons when we go shopping. plus we get an extra 10% off at Walmart cause he works there! we also do alot of shopping on ebay! yard sales and goodwill are also great for clothes. I can only wear scrubs, and he has to wear khakis and a blue polo....the bargins are great!!

by laurin87 on Sep 12, 2010

Costco helps, but how about cutting out paper products all together? We use cloth for everything from mopping up kitchen messes to cleaning the house. They work better, never rip, are more absorbent, & I've already saved hundreds by not purchasing paper towels & napkins alone. We still buy toilet paper, though! Many eco-conscious choices are in fact less-expensive alternatives to refill packs, bathroom cleaners, beauty care, & other household necessities. We make our stuff at home & we save a LOT. :-)

by Honeybumble on Sep 23, 2010

I take my lunch to work instead of ordering out. I'm still tryin to get my hubby on the bandwagon.This is a tip I got from Oprah! I know I save at least 30-40 bucks per week, and believe me that adds up.

by tgoldsmith01 on Oct 09, 2010

Hello, When ever someone in family is given a prescription for medication I check on the internet to see if there is a coupon. Today we printed out coupons for 2 ~ 30 day free trials. Saved $75.00. Great website is optimezerrx.com (Optimezer)

by bitterspray on Oct 10, 2010

we cut the cable to the minimmum. but when my husband goes on deployment cable is going off. u can still use the internet.

by lucyfrmcali on Oct 21, 2010

we decided to move in with my parents so we could get debt free and save for a house. It has come with it's challenges but has been so worth every penny!

by aoklove25 on Jan 11, 2011

My hubsand and I bake our own bread so we never buy it in the store anymore. It has worked out well for us. We also took our receipt from one gorcery store to another and compared the prices to make sure we are getting the best deal. It ended up we were shopping in the wrong place and I was very glad to find that out :)

by sara.watkins on Jan 14, 2011

Probably someone said it, but Netflix is a huge benefit. We do not have cable.

by Yadyrra on Feb 02, 2011

Dave Ramsey's class was great and it gives you practical advice and instruction to follow to be sucessful and get out of debt and save money. Everyone should take this calss!

by blessedbride12 on Feb 28, 2011

When I first heard Dave Ramsey on the radio claiming it was possible to live life debt free I thought the man was nuts. After a while of listening to his show I realized that he might indeed have the system that could actually work for my husband. Regards, Allie from iPhone Application Development

by allie0 on Mar 03, 2011

We watch free movies online (netflix, Amazon, iTunes, Hulu, Sidereel, Letmewatchthis.com) and make popcorn together. It's perfect for a quiet night in :) We have also canceled our cable and watch shows online. For 10 a month we have an online subscription to Megavideo. Canceling Comcast has saved us quite a bit. We also opened an ING Direct Savings account and toss money into that every week. A little here and there really adds up!

by karencorson on May 23, 2011

A financial advisor told us to have a higher deductible for car insurance $1,000 instead of $500 to lower our premium (only for people who have an emergency fund in case they get in an accident etc.) Also if you love eating out, but not the prices try going during happy hour and have half priced appetizers. Another thing I do is go through the weekly ad to help prepare our meals for the week based on what is on sale. We also make a monthly budget figure out how much we need to spend on gas, groceries, bills, mortgage and savings then what is left is ALL we spend. I divide the amount left over by four weeks and each week we keep track of what we spend. That way you won't be stressed when your credit card bill comes and you wonder how you spent so much. It sounds like a pain to be so detail oriented but it helps

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I prefer to follow this simple method of saving money. It has to do with following basic principles, living beneath your means, investing wisely, and saving for a rainy day. For more details, read the full article. http://www.squidoo.com/money-saving-rules

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grrlygirl and anyone else that knows FOR SURE, how legit is TREASURETROOPER.COM? I checked it out on google and some other forums and a couple people say its legit, but I don't see if they are regidtered with BBB. Is it Really Legit, I've been involved with a scam already don't need anymore.

by South3rnBelleLov3 on Jun 21, 2011

Dollar Tree (everything in the store is a $1.00) it will save you tones of money. I shop there now for a lot of things I need. It is great.

by Shia on Jul 16, 2011

Financial Peace University by Dave Ramsey is offered at many local churches and schools, and is LIFE CHANGING. Debt free, baby!

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by abercrombiefitch on Aug 03, 2011

We used Groupon to have our night out or some other bargain! We also rent a lot of movies for $1 rather than spend $12/ticket at the movies. For grocery shopping we stock up on meat and daily things at Costco...great deals!

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