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  1. #1
    Deal GURU
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    Default Tightwadding Ways

    Hi,
    My name is Sharon and I live in Utah. I have mostly been a lurker
    here. I've been learning so much from you all and I am LOVING this
    thread--keep the ideas coming! I just love the idea that many small
    savings can add up to huge savings over the course of time. It
    really does make a difference. I look back on how wasteful I've been
    (before we adopted our new frugal lifestyle) and it kind of makes me
    sick. I used to pull money out of the ATM about twice a week--we
    lived in a rural town so I just pulled it out of whatever bank was
    closest. $3.00 charge every time-(1.50 from my bank and 1.50 from
    the ATM bank) It doesn't seem like a big deal at the time--
    well...$3.00 X 2= $6.00 and $6.00 a week X 52 weeks= $312.00/year. I
    never EVER pull it out of any other ATM than my own now. Same with
    information calls-They're 1.50 here--even if I only make one ONCE A
    WEEK..there's another $78.00/year. There's of course the obvious
    things we've done to save money that you've all heard a million
    times before (and we're doing them ALL) but here's a couple other
    things I do that someone may find useful:
    Use my dryer sheets twice, dilute EVERYTHING; laundry soap, dish
    soap, shampoo, conditioner etc. (we waste so much just from the
    habit of squirting a big handful etc)...It makes these items last
    twice as long. I don't make my own laundry detergent anymore but
    always get it on cheap, cheap sale and stock up--dilute in 1/2 then
    sprinkle a little laundry booster in with it. I do make my own
    prewash and that lasts forever. When it's time to take the garbage
    out we try and just dump the garbage into the can and reuse the

    bag. Sometimes they're just too dirty (from sauce cans or meat) but
    many times the bag can be reused, same thing with baggies. Use and
    reuse everything you can think of. Before I throw something I away
    I always ask myself is there ANYTHING else I could use this for OR
    would someone else find this useful. That mentality has also taken
    us from two city garbage cans to one--saving
    $8.00/month X 12 months=$96.00/yr. Make a game of it, make it fun
    to see how creative you can be....then share it with the rest of
    us. Better go make breakfast!
    Have a beautiful day!
    Sharon in UT
    ~*~*~*~*~*~*~*~*~*~*~*~*~*~*~
    All of my posts were transferred from
    the budget101 Discussion list
    ~*~*~*~*~*~*~*~*~*~*~*~*~**~*~

  2. #2
    Deal GURU
    Join Date
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    Default

    Re: Tightwadding Ways - Bank Fees


    Just a tip... If ANYone out there is a member of USAA (you or a family
    member must be or have been a member of the military), please think
    about using their banking services. It's not a brick and mortar bank,
    but because it ISN'T, and you have to use regular ATMs (and thus are
    always charged a banking fee), they automatically reimburse you for up
    to $12 or 15 (I forget what it is) every month, no questions asked...


    Blessings,
    KR
    ~*~*~*~*~*~*~*~*~*~*~*~*~*~*~
    All of my posts were transferred from
    the budget101 Discussion list
    ~*~*~*~*~*~*~*~*~*~*~*~*~**~*~

 

 

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