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Questions tagged [cost-cutting]

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

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-3 votes
3 answers
293 views

How much would it add to my electricity bill to turn on my bathroom's water heater in my condo? In Atlantic City, New Jersey

I've been keeping it off since I moved in, but it would be nice to take some hot or warm showers. I'm not sure how much electricity it uses, but if someone tells me what to look for, I'll check the ...
I Am Confused's user avatar
3 votes
2 answers
216 views

Does it cost more to buy a car insurance without having a US driver's license?

Can I buy a car insurance for a used car I bought when I am a new student in the US without SSN and the US drive's license, but I have my home country's driver's license? If so, does it cost more than ...
user avatar
0 votes
3 answers
722 views

Used car with lower TCO

I'm looking at trying to save money by purchasing and driving a used car. However, I have no idea where to start other than the realization that the total cost of ownership is far more than just the ...
user avatar
3 votes
3 answers
534 views

How much variation between lenders is there in the cost of financing a home mortgage loan (in the United States)?

Short Version I recently spoke with a mortgage loan officer who told me that shopping around for the least expensive home mortgage loan is essentially a waste of time, because (due to regulation) the ...
igal's user avatar
  • 131
6 votes
2 answers
1k views

How to project monthly payments for Verizon plan?

This may be off topic. Though, it didn't seem to conflict with this community's bylaws: I want to know how to get an absolutely clear picture of monthly spending on a Verizon plan. I've been told by ...
two black lines in the middle's user avatar
3 votes
0 answers
110 views

What is the most cost efficient way to invest in overseas stocks as a UK citizen?

I wish to invest in multiple US-based mutual funds and companies. I already have an account with Charles Stanley Direct for my UK-based funds and was disappointed to see that I couldn't use their ...
turnip's user avatar
  • 730
2 votes
3 answers
694 views

Cost of carrying precious metals in portfolio

Recently, I have decided to diversify my portfolio into some precious metals. However, I found out that the cost of holding gold and silver is really high. The website I was trying to buy from ...
MH.Q's user avatar
  • 121
0 votes
2 answers
379 views

How can I just pay for my order when dining with friends at a restaurant?

I was eating with friends at a diner today (Thanksgiving), and I told the waiter I wanted to just pay for my own food. But we just got a single bill for all four of us. I paid for my food (plus tip) ...
user24353's user avatar
  • 101
0 votes
1 answer
96 views

Direct from manufacturer auto purchase? Smart? Dumb? Possible?

Read this article recently, and I thought of trying to purchase direct from the manufacturer. The vehicle I want has a facility here in the United States (outside my state), and I just wonder if I ...
Yarlo's user avatar
  • 3
1 vote
1 answer
130 views

Cost comparison of cities

I'll graduate very soon with a computer engineering degree. I'm lucky enough to be in a field where there's a lot of openings in the city I live in right now (population: 100 000) but it requires a ...
pimmen's user avatar
  • 141
2 votes
1 answer
315 views

Total Yearly Expenditures for a Single Person in the USA

I recently calculated every single penny I spent in 2014 (literally everything). Let's round up and say the total came to $21,000. I would like to know where I stand in terms of spending. I was trying ...
budget_help's user avatar
8 votes
4 answers
574 views

Is permanent facial hair removal economically worthwhile?

Here's an interesting economics question that's a bit broader in scope than a lot of questions on here. I like to go clean-shaven. But razor blades keep getting more and more expensive, and that's ...
Mason Wheeler's user avatar
40 votes
9 answers
10k 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 ...
Zaenille's user avatar
  • 4,334
1 vote
3 answers
292 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 ...
ChuckCottrill's user avatar
1 vote
3 answers
559 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 ...
ChuckCottrill's user avatar
4 votes
2 answers
216 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 ...
user12143's user avatar
4 votes
5 answers
3k 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?
Victor123's user avatar
  • 16k
42 votes
7 answers
5k 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 ...
NeedAdvice's user avatar
  • 3,817
4 votes
2 answers
194 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, ...
Victor123's user avatar
  • 16k
2 votes
4 answers
249 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 ...
Joe.E's user avatar
  • 6,080
4 votes
13 answers
704 views

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

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 ...
6 votes
3 answers
1k 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, ...
jldugger's user avatar
  • 7,437
4 votes
4 answers
1k 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 ...
GWLlosa's user avatar
  • 157
5 votes
1 answer
124 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, ...
Joel B's user avatar
  • 153
3 votes
3 answers
123 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 ...
CrimsonX's user avatar
  • 3,397
22 votes
5 answers
854 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, ...
Larry Wang's user avatar
  • 1,128
7 votes
6 answers
4k 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 ...
SpecKK's user avatar
  • 2,281
3 votes
2 answers
106 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.
10 votes
6 answers
441 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?
Zephyr's user avatar
  • 6,230
8 votes
5 answers
2k 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?
user avatar
6 votes
4 answers
1k 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 ...
Zephyr's user avatar
  • 6,230
6 votes
3 answers
745 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 ...
Rich Seller's user avatar
  • 3,893
8 votes
4 answers
4k 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 ...
Zephyr's user avatar
  • 6,230
8 votes
3 answers
2k 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, I'...
Samuel Carrijo's user avatar
2 votes
1 answer
170 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 ...
Zephyr's user avatar
  • 6,230
8 votes
3 answers
236 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 ...
Nat_Rea's user avatar
  • 8,683
8 votes
7 answers
355 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?
Nat_Rea's user avatar
  • 8,683
7 votes
8 answers
8k 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 ...
user avatar
7 votes
8 answers
574 views

Can slowing down your lifestyle save you money? [closed]

If you simplify your life, and slow things down.. can you save money? I'm looking for opinions and experiences here.
montyloree's user avatar
16 votes
13 answers
989 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 ...
Little Miss Mocha's user avatar
20 votes
2 answers
1k 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 "...
Zephyr's user avatar
  • 6,230
15 votes
6 answers
567 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?
Zephyr's user avatar
  • 6,230
6 votes
4 answers
194 views

How can I save on banking charges?

What tips and tricks do people use to keep the cost of banking down?
Zephyr's user avatar
  • 6,230
2 votes
2 answers
61 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?
Nat_Rea's user avatar
  • 8,683
4 votes
5 answers
311 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?
Nat_Rea's user avatar
  • 8,683
7 votes
4 answers
589 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 ...
Nat_Rea's user avatar
  • 8,683
9 votes
2 answers
414 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 ...
Nat_Rea's user avatar
  • 8,683
10 votes
9 answers
677 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, ...
Chris W. Rea's user avatar
  • 31.7k
19 votes
16 answers
1k 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 ...
Nat_Rea's user avatar
  • 8,683
8 votes
1 answer
205 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?
user avatar