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10 ways to live more cheaply!


  1. Shop Sparingly - Make a list before you go shopping and stick to it. Don't impulsively buy things you don't need.
  2. Use cash to pay for food - Debit cards and credit cards make more money available than what you need. It's better to use cash. That way you have a set-spending limit.
  3. Clip Coupons - Coupons are great for saving money and make products less costly than generic brands.
  4. Cut out long distance phone service - Cancel your long-distance phone service and get a phone card. With a phone card you'll not only save on the monthly long distance fees, you'll also be able to monitor your spending for phone service much more closely.
  5. Give away your junk - Donate old clothing, furniture, and appliances you don't use anymore. By doing so, you can get a tax deduction.
  6. Exercise for free - The cost of health club memberships can be very pricey. Consider taking up hiking or biking for exercise instead.
  7. Share expenses - Look for ways to trade off expenses. If you have children, offer your neighbors or trusted friends free carpool to work in exchange for babysitting services.
  8. Get a credit card that pays - Don't just use any old credit card with a low interest rate. Get one that has rewards like cash back or frequent flyer miles.
  9. Conserve energy - Look for ways to cut down your electricity bill. Put rope caulk around your windows to keep cold drafts or hot air from coming in.
  10. Rent a room - If you've got an old basement that's unoccupied, put it up for rent. It could make a lovely home for someone looking for an apartment.
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