Relating to ways to save money, generally by either spending less, or changing what is being spent on.

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35
votes
9answers
8k views

What are the downsides that prevent more people from working in high-income countries, and then retiring in low-income (and cost of living) ones?

Having experienced living in several different countries, the reality of different salary ranges and different costs of living has struck me. You can work at a high salary country and make huge ...
1
vote
3answers
110 views

Saving money on the electric bill: What are some worthwhile ways to reduce consumption & costs?

What are some worthwhile ways to reduce household electrical power consumption & costs? Here are some of the actions I've taken so far: AC - turned thermostat to uncomfortable level Electric ...
1
vote
3answers
172 views

How to find cheaper alternatives to a traditional home telephone line?

I cancelled my home phone line last year after many years with POTS (Plain-Old-Telephone-Service), and I replaced my home phone with a VoIP service provider which provides a variety of services ...
4
votes
2answers
114 views

How to pay for Alzheimer's care?

My mom is on the early stage of Alzheimer's, but I'm aware of the fact that "early" won't be forever. What are some of my options for financing the cost of my mother's care when the time comes? I am ...
3
votes
5answers
1k views

Saving money on electricity: Is a refrigerator more efficient when empty, or full?

To save money on hydro (electricity), I'd like to make optimum use of my refrigerator. For this purpose, is less energy used when the fridge is full? Or when it is empty?
24
votes
7answers
1k views

How to help a financially self destructive person?

My ex-wife is a mess, financially speaking. After the divorce, her house that she won in the divorce was foreclosed on, filed for bankruptcy, owes money to pretty much everyone that tried to help her ...
4
votes
2answers
112 views

For somebody that travels the same route over and over again, what are some ways to save on airfare?

I am an Indian immigrant currently living in Canada. My family is in India. As part of this arrangement, I need to travel back and forth between Toronto and new Delhi fairly frequently. (~2 times/yr, ...
1
vote
4answers
160 views

For which kinds of products does a generic brand tend to be just as good as a name brand?

Sometimes I buy the generic brand at the super market and it turns out it's just as good as the name brand. Other times, I totally regret buying the generic brand. For which kinds of products do you ...
3
votes
9answers
364 views

What are the best tips for saving money as a university student?

What are the best tips for saving money as a university student? I will be attending university this coming semester and am planning on maintaining a sustainable financial situation right now, but ...
5
votes
1answer
446 views

How can I cash out my prepaid cell phone?

As a very frugal person, I have a prepaid phone plan that costs $100 a year. For the past two years, I've spent roughly $50 of that each year. As long as I renew the plan with another $100 every year, ...
5
votes
4answers
291 views

Which car features are more cost effective if purchased & installed aftermarket, as opposed to when buying the car?

So I'm looking at buying a new car, because I'm going to need one to commute to a new job. There are many features I "like" (not 'must-have', just 'like') in new cars these days: Remote Keyless ...
5
votes
1answer
62 views

Are you better off going with the BIG energy provider in town or a smaller competitor?

I live in Maryland and we have our energy delivered from BGE (Baltimore Gas & Electric). That means they manage and service the power lines and I have no choice in that matter. We do however, ...
3
votes
3answers
76 views

What is the best way to determine the value (balance of reliability and cost) of an insurance company?

How can an individual determine how reliable or likely an insurance company is to pay on their claims? I'm trying to balance two things here - cost of premiums and reliability of paying claims. I have ...
19
votes
5answers
438 views

How can I tell if buying a cheaper car will end up costing me more?

Cars can be very expensive, so it seems like a good place to save money. However, I worry that getting a car that is too cheap, especially if buying used, may end up costing me more in maintenance, ...
6
votes
6answers
3k views

How do you find reasonably priced, quality, long lasting clothing?

As noted in the products you shouldn't buy cheap question, you should buy quality, long lasting clothes. Where can you find quality clothing and how can you recognize quality clothing in discount and ...
2
votes
2answers
72 views

What are some sites that offer decent deals on college textbooks?

Textbooks are quite expensive these days. I know of half.com, but I don't know of anything else.
9
votes
6answers
308 views

Are solar cell panels and wind mills worth the money?

Besides being more environmentally friendly is it worth the investment in solar cell panels and wind mills for home use? Is it possible to be "off the grid" completely?
7
votes
5answers
635 views

How to avoid friends' peer pressure to spend money on shopping & at restaurants?

How to avoid peer pressure from friends to spend money on shopping and at restaurants?
5
votes
4answers
699 views

How much money does Earth hour save?

Does the recent Earth-hour event staged over the week-end actually save money? When the event occurs there is a major drop in energy consumption at the start but isn't there also a spike when ...
5
votes
3answers
588 views

Do real nappies (reusable / cloth diapers) really save money?

We would like to use "real nappies" (reusable diapers); both to minimise environmental impact, and to save a bit of money. According to some literature I've been given, using real nappies can save ...
7
votes
4answers
1k views

Is it more cost effective to wash a car at home or take it to a car wash?

Now that spring is here this becomes an option. Is it more cost effective to wash a car at home (increasing water utility expense) or to pay to have it washed at a car wash? Also which is more ...
6
votes
3answers
347 views

What is the best option for an occasional driver in the USA?

I never had a car before, but I'm starting to feel the need of having one. Fortunately, I can bike to work, and would only use the car on weekends (and very occasionally on weekdays). Additionally, ...
2
votes
1answer
148 views

What are good strategies to maximize cross border shopping benefits? [Canada]

Depending the length of one's visit to the US from Canada there are different limits and different exemptions. This also assumes that the price discount is worth it. What strategies have people ...
5
votes
3answers
122 views

What are some ways your family has saved money via resource-sharing or hand-me-downs?

For instance in our family, baby items - from the big (cribs, changetables) to the small (clothing, bottles, toys) - are constantly passed around from brother to sister to cousin and back again. It ...
7
votes
7answers
209 views

How can I save money on a gym / fitness membership? New Year's Resolution is to get in shape - but on the cheap!

Do gyms ever negotiate or haggle on price? Do they always insist on a term commitment? Are there any tips and tricks on ways to avoid paying through the nose?
5
votes
5answers
2k views

Is a fixed-price natural gas or electricity contract likely to save money?

Is a fixed-price natural gas or electricity contract likely to save money? These types of contracts are often marketed to homeowners to save $$ on their utility bills. When would such a contract ...
7
votes
8answers
287 views

Can slowing down your lifestyle save you money?

If you simplify your life, and slow things down.. can you save money? I'm looking for opinions and experiences here.
14
votes
12answers
450 views

What are some good ways to control costs for groceries?

I find groceries to be one area where I have a hard time controlling costs. We want to eat well, buy healthy foods, good cuts of meat, etc. and limit eating out. I find it hard to know what is a ...
12
votes
2answers
287 views

Is selling your house without an agent worth the hassle?

There have been numerous "for sale by owner" signs appearing recently. This seems like a convenient way to reduce the commission charged by Real Estate agents but I have heard that this is still a ...
13
votes
6answers
255 views

How can I reduce the cost of having a cell phone?

In terms of cell phone plans the U.S. is the worst followed by Spain and then Canada. Besides the obvious get rid of the phone option what other strategies can be employed to keep the costs down?
6
votes
4answers
115 views

How can I save on banking charges?

What tips and tricks do people use to keep the cost of banking down?
2
votes
2answers
43 views

Are there any services/sites/organizations/clubs at which video games can be traded?

My family plays a lot of video games (PS3 and Nintendo DSi) - are there cheaper alternatives to buying the games new? Library service of sorts? Wishful thinking?
4
votes
5answers
208 views

How can I reduce my home's monthly electricity and water expenses?

Are there gadgets I can buy which can help me measure consumption and reduce use? What are some good habits I can get my family into starting to help reduce our costs?
7
votes
3answers
177 views

How do you save money on clothes and shoes for your family?

I feel like I'm constantly buying clothes, shoes, boots, jackets, hats, etc. for my kids, because they grow so fast! I try to re-use via hand-me-downs, but are there other ways I could be saving ...
7
votes
2answers
170 views

How do you make sure your child's birthday party doesn't break the bank?

I've been to childrens' birthday parties that clearly cost in excess of $500 when the price of the venue, activity, food, cake and loot bags are factored in. I don't want to spend a lot in order to ...
10
votes
9answers
263 views

How can I avoid going deep into debt during the holiday season?

The holiday season is just around the corner. The shopping malls are especially eager – Christmas trees, lights, and decorations have been up for weeks, all to get us in the mood to spend, ...
17
votes
15answers
494 views

What are some tips to help avoid impulse-buying?

My husband and I are both impulse buyers - not a good pair now that our combined income has been reduced! How do you stop yourself from making an impulse purchase? I need some help to improve our ...
7
votes
1answer
94 views

How can I save money on home insurance?

What are some of the easy or not-so-easy ways to save money on home insurance?
6
votes
4answers
282 views

How can I save money on car insurance?

What are some of the easy or not-so-easy ways to save money on car insurance?
10
votes
3answers
629 views

Where can I find an example of a really basic family budget?

It's about time that I took my family's finances seriously and built a budget. I'd rather not start from scratch, and am thinking, "surely, I can benefit from someone else's work?" - can someone ...
19
votes
17answers
3k views

I spend too much money. How can I get on the path to a frugal lifestyle?

How do I live a frugal lifestyle? I'd like to live on less but it doesn't seem easy. How can I get started? I want to get out of debt and not have to work until I'm dead.