Legit Ways to Save $

One of the very un-fun things about being an adult is money management. For many, the amount of money in is overcome by the amount that spills out. Add the expense of a mortgage or children and the results aren’t all that fun (Yay Adulting!). So here are some actual ways to cut down on those pesky expenditures:

  1. Do a household budget. You don’t have to be an expert. Budget-of-punjab-2013-2014Simply download a template from the internet, print out the previous month’s bank account statement, and add the information in the required fields. It can be encouraging and sobering to view where you are spending money. The great thing is, a budget gives you a concrete starting point on where you can and cannot cut costs.
  2. Review your bills. This one is monotonous and boring and necessary. Make sure you are getting the best deal. Rework your cell phone, cable (or cut it all together for Netflix or Crave TV), power, electric and hydro. And while you’re at it, make sure you are getting excellent customer service. For example, our house has a cistern instead of a city water connection. We have water delivered to our house once per month. The delivery guy we used before was okay but I would leave him a voicemail when we needed water, then never really knew when he was coming. I didn’t love what I was paying for. We moved our business to a wonderful water company called Fill ‘er Up Potable Water. I can text when I need a load of water and I’ll receive an answering message within minutes whereby the operator gives me a date when he will fill up our tank. I can also pay via e-transfer. So convenient. If you have a cistern or need bulk water, more info about this wonderful company can be found at http://www.filleruppotablewater.ca/
  3. Talk to your investment specialist – this one is also a no brainer. If you don’t have investments, that’s ok but as soon as you think you have a spare dime to put away, put it into some type of account for your retirement. Even a small contribution each month will help offset future living costs.
  4. Second hand stores. A co-worker took me to this wonderful shop called Plato’s Closet just down from Whyte Ave. They have in-season clothing items for men and women. The savings amazed me. Turns out, the sister store to Plato’s is Once Upon a Child. I had never really thought to go there for my kids. Then Connor’s feet grew 3 sizes in 6 months. I went to Once Upon a Child the next time Connor needed indoor shoes. For $8.00 I found him some really cool looking little high tops, which is half the price of the already cheap Wal-Mart or Joe Fresh.
  5. Hand me downs! With 2 kids, that are 2 years apart but nearly the same size, hand me downs come in super handy (get it? I crack myself up). I have a group of gracious friends who have boys that have out grown all kinds of clothes and I straight up ask for clothes when they are done with them.
  6. Use Upcycling Sites! I am a part of the Upcycling Facebook group in my community. This site is for household items that have value, but you’d like to get rid of, so you ‘upcycle’ to someone who could use them. I’ve given away variety of items like kids clothes, kitchen ware, small appliances, etc. on my local Upcycling page. You can also ask for anything you think you might need – remember it’s free – and if someone has it, great, if not, you would have likely bought it anyway. I recently ran out of perfume, which costs around $50-$100 a bottle. I put up a post requesting anyone with extra perfume to pass it on to me. I had 3 women give me bags of perfume that they weren’t using. I sorted through the scents I wanted, kept some and tossed the rest. I scored about $300 in free perfume!
  7. Meal plan! IMG_8292 Not only does it help with the budget, it helps my sanity.  There is no stress coming home from work and wondering what I’m going to make for dinner with two hungry kids clawing at my legs. Each month I print out a calendar and write down what I will make for dinner each night for that month. The plan helps me organize what groceries I will need to buy each week and also what I need to take out of the freezer the night before.
  8. Buy your meat in bulk and freeze! We learned this long ago. We eat a lot of chicken and it can vary between $8.00/kg to $14.00/kg. When we see that it’s around that $8-$10/kg mark we buy lots then freeze it. If you’re going to do this, invest in a vacuum sealer.
  9. Buy your K-Cups at Winners. For real. They usually have a great selection of coffees. Better yet? Ditch the Keurig or Tassimo and opt for a pot. I know it’s not as convenient but hose little cups are costly in comparison to loose grind coffee. I will admit, I haven’t fully gotten there yet – I have a Keurig in my ensuite bathroom so that I can have coffee immediately after waking up.
  10. Stop going to the places you spend money! I love books. Like, I love books so much I want to work in a library so that I can be amongst the stacks and breathe in the smell of musty paper all day long. I (used to) spend a lot on books. I have a Kobo which I load up to read on vacation. I buy iBooks for my phone. I listen to audiobooks when I’m cooking or driving. And one of my favorite things in the world, abet one of the hardest to find time for, is sitting down and enjoying a book, uninterrupted. So, at this time when I am trying to save, I’ve stopped going into Chapters because I know I won’t leave without spending. So whether it’s Starbucks, magazines, house gadgets, etc.- just DON’T GO THERE.
Advertisements

2 thoughts on “Legit Ways to Save $

  1. Laurel Paetz says:

    Excellent blog Cayley! Another reason to stop making Keurig coffee: those little cups are horrible for the environment. They won’t be fully recyclable until 2020. Millions end up in landfill. You’ll be saving $$, and saving the planet!😊

    Like

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Google+ photo

You are commenting using your Google+ account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s