what do you do to save money?

[nicola1213]

the library has become my best friend.  i request what i want online and its ready for me to pick up at the desk - i have replaced my amazon orders!

[shannie86]

Streamlining your loan is similar to refinancing, as you obtain a lower rate. However, unlike refinancing, a new credit check is not ran. You go for the same amount of money. If you owe 78,000 on your mortgage, it will still be 78,000- minus lower rates, due to decreased interest rates. There are also no closing cost. Streamlining is performed through your same lender.

[Ayesha Nicole]

Dear All,

I am also a "Professional Mom" and stay-at-home with Misses Sarah & Salma. 

For healthy nutrition we follow http://drsears.com/ and I plan our family's meals by creating a menu and taking stock of what is in the pantry, along with what is in season and on usually on sale at the markets, Costco, farmer's markets, etc.  We eat lean meats and a lot of fresh fruits and vegetables.  We drink water and their 16 oz. soymilk daily.  I also try to cook with a pressure cooker as much as possible > http://kuhnrikon.com/products/pressure_cookers/.

For my passion for reading, I buy pre-owned books from > http://www.alibris.com/ .

We also save money on cleaning and laundry products by using Shaklee Cleaners:
http://www.shaklee.com/products_prod_getclean.shtml

I also absolutely LOVE the cleaning tools and "Speed Cleaning" techniques from Jeff Campbell of the Clean Team.  I wish my mom would have taught me these techniques a longgg time ago!:
http://thecleanteam.com/

Following in the stylish epitome of the French woman, I have learned how to dress to look my best with less, and on a limited budget with the following resources:

The Pocket Stylist - excellent book and recommended by a French woman:

      
385 of 399 people found the following review helpful:
5.0 out of 5 stars A single source on how to look your best, September 30, 2004
By    Jocelyne "French lady" (Pittsburgh, PA USA) - See all my reviews
I am a French woman living in the US and have been looking for a book to teach my teenage daughter all the things that French women know about dressing well. This is THE book. It has everything. It covers subjects that may be covered elsewhere such as body type and flattering style, fit, how to build a wardrobe, what to invest in and what to have fun with. What I found most valuable, though, was how the author dispels the myths that fashion magazines promote. For example, she tells you how she prepares for a photoshoot and erases the myth of effortless good looks. She advocates that looking good is not about wearing the latest fashion, but knowing what makes you look good and wearing it. She outlines a basic wardrobe of timeless high quality basics that flatter and supplement with trendier and cheaper items that are fun but will not last as long in your wardrobe. This is how I dress and I can testify that it works.

I will be for ever grateful to my grandmother for teaching me to recognize when a garment fits and when it does not. Therefore, my highest mark in this book goes to the two pages explaining how to tell if a jacket fits. Thank you! Thank you! Thank you!

If you want just one book to teach you how to be stylish, this is the one. If you want to further explore how French women dress, look at "Chic and Slim" by Ann Baronne.
source > http://www.amazon.com/Pocket-Stylist-Behind-Scenes-Expertise/dp/1592400418/ref=sr_1_14?ie=UTF8&s=books&qid=1232391880&sr=1-14


Fashion for Real Women and The Clothing Chronicles (free)
http://www.fashionforrealwomen.com/
http://www.theclothingchronicles.com/
http://www.theclothingchronicles.com/archives/

Basically, we buy quality, instead of quantity.

I also follow the zero-based budgeting principles taught by Dave Ramsey > http://www.daveramsey.com/ . 

The Secrets to Saving Money
http://www.daveramsey.com/etc/cms/the_secret_to_saving_money_4996.htmlc

Four Lessons the Wealthy Can Teach You
http://www.daveramsey.com/etc/cms/index.cfm?intContentID=5778

Millionaire Secrets
http://www.daveramsey.com/etc/cms/millionaire_secrets_9569.htmlc

However, with regard to home financing, we have a co-ownership declining balance mortgage from Guidance Residential that is available to anyone in America regardless of faith. It follows Islamic Law guidelines for Muslims wanting to actively apply and practice their religious ideals of not paying/receiving interest, especially in the capitalistic society of America. 
http://www.guidanceresidential.com/index.php?option=com_content&task=view&id=8
http://www.guidanceresidential.com/index.php?option=com_content&task=view&id=10
http://www.guidanceresidential.com/index.php?option=com_content&task=view&id=13

For those interested in understanding Islamic Law on Economics/Finance/Investing and why even Harvard Law School has an ongoing project since 1995, please see:

http://ifptest.law.harvard.edu/ifphtml/
http://www.amanafunds.com/
http://azzad.net/new/
http://www.investaaa.com/
http://muslim-investor.com/


- Ayesha

[nvthisqt]

taking lunch to work and not shopping  >

[andreasro]

Cooking at home and buying as less processed food as possible.
Taking lunch to work (for my hubby, of course).
Shopping only the strictly necessary stuff. First the kid, then us.

I should do more of some things suggested of some of you here, though. They seem quite useful.

Andrea

[wilnie]

I dont know if you will agree with me but, sometimes when we list down all our expenses for the month, add it up and subtract it to the total household income... SURPRISE!  Most of the time it will turn out to be negative... One solution might be keeping the expenses steady and finding ways to increase the household income...  maybe an additional job or sideline... or a small business could help...

good day!

[mary2243]

I use coupons from the sunday newspaper.

[Ayesha Nicole]

Dear All,

A friend told me she saw this on Oprah's show:

http://www.couponmom.com/

Enjoy!
Ayesha

[Ayesha Nicole]

Dear All,

Another good author/radio & tv show/website about saving money >

http://clarkhoward.com/

- Ayesha

[christinc21]

I use coupons.com a lot. I also go to walmart.com and order thefree samples. If nothing else, it makes my shampoo, soap, etc last longer because I get 1-2 uses from the samples. I sign up at all the websites where I use the regular products, like huggies, pampers, lysol, mr. clean, johnson & johnson etc. They send free samples and coupons to me in the mail all the time. I am also signed up at some local restaurants that mail and e-mail me coupons for free items or percentages off the bill.

Once I make my grocery list I go through the internet and search for coupons for that product. Then when I get to the store I compare the price with the coupon to the grocery store brand and buy the cheapest. Harveys in my town runs specials on Wednesdays on meats and I buy in bulk when that happens.

I also take leftover vegetables that aren't enough to make for lunch the next day and freeze them. Then when I get enough I put in a pot with broth or tomato juice and make soup. I usually only add some ground turkey to make it a meat and veggie soup.

But when my son finally starts using the Potty full time, I will save lots of money on my monthly budget!  

[mother of faith]

I am starting to make my own household cleaners, baby wipes, laundry items, recycling clothes into purses, quilts, and pillows. I have been cutting back on the household cleaners that are potencially harmful to my toddler and replacing them with prodcuts that i make that still cleans suffecient. I also recycle my paper into making new paper, by using the lent from the dryer, and a screen I can make my own paper. Buying generic items instead of the name brand items, and watching the sales adds to match prices. There are tons if items that you can make given that you have the time. I make soaps, shampoos, lotions, etc. not just for me but the kids, and the dog. We have started growing our own garden in the house using a Jiffy greenhouse. I buy clothing, and toys from the local thrift stores, yard sales, and second hand stores. The clothing that we out grow goes to making quilts for us and our community for free. We like to share our blessings with others.

[AndArr]

At this point my income isn't that huge to save money. Sometimes I even get in situations where I have to use a cash loan in Manila to cover all the expenses but it's not a big deal. Anyway, I am trying to work hard to earn more so I'll be able to save.

[NickAQ]

I do nothing for that, I'm just trying to earn a lot, so I don't even think about such problems. I get them on gambling sites canada, they also give me big bonuses. My friend recommended me that site and I'm so grateful for that. Now I can just sit at home and it's so cool.

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