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Hi, r/frugal,

The past year has been one financial set back after another (hospitalization, lost consulting job, credit card to cover living expenses, etc.) I understand the situation I'm in is the consequence of my own actions and poor planning (i.e., no emergency fund). I cut up my credit cards and made arrangements for lowered monthly student loan payments. I'm reading the posts on r/personalfinance.

A frugal principal that I read about was "cheap, cheaper, cheapest" (in "The Tightwad Gazette").

Example:

Cheap - Make coffee at home instead of buying it at a cafe

Cheaper - Switch to an off-brand coffee

Cheapest - Drink 1/2 as much coffee

Cheap - Buy clothes at an outlet.

Cheaper - Buy clothes on consignment.

Cheapest - Buy clothes from a thrift store.

What are some creative ideas for ways to save some money throughout the month?

What I already do:

I'm wearing the clothes I already have instead of purchasing new.

I hang clothes to dry.

Thermostat is set at 78F or turned off, using box fans.

Using library and free Kindle eBooks.

Work at home as much as possible.

Share a Netflix acct with my parents.

Asking friends to go camping for my birthday party.



September 08, 2017 at 02:01PM

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