Frugal Moms

1. Drop the extra channels on your cable, or drop the cable all together.

2. Use a Paypal debit card to pay all your bills and get 1% back.

3. Pay all bills on time to avoid late fees.

4. Put as little as 10 dollars more towards any debt owed.  This will go on your principal.

5. Switch to Flourescent lights.

6. Turn the water heater off at night, unless you take your shower first thing in the morning.

7. Switch to the store brand.  If you already have, find coupons and search the clearance bins.  Make sure it’s still cheaper than the store brand.

8. Drop the call waiting, it’s really useless.  Or drop the land line all together and stick with the cell or voip.  If you have a plan on a cell, drop the txt messaging.

9. Get Skype!  It’s free from Skype to Skype and 36 dollars a year for long distance.  Or 60 dollars a year for inbound and out bound like a normal phone.

10. If you must buy something new, try Amazon.  They have free delivery and on a lot of things they beat the local stores prices by a mile.

11. Brown bag it to work, or have an employee “picnic” where everyone brown bags it.

12.  Skip the junk food and fast food.  Once a month is fine, but everyday destroys your wallet and waistline.

13. Visit phonehog.com for free phone cards.  Y0y can get several minutes free and they work in a pinch.

14. Find your entertainment online, at www.crunchyroll.com.  See if you drop the cable you have an excuse to sruise the net looking for tv.

15. Carpool to work, http://carpoolconnect.com/ has plenty of listings for you to find a ride.

16.  Trade down to a scooter if you must go it alone.  Scooters get up to 100 mpg.  Its a great way to save when they say gas will be 7 bucks a gallon in 2 years!

17. Move your saved cash to an interest bearing account.  This only makes sense, save your money and then make it work for you!

18. Buy in bulk.  Everything that can be bought in bulk should be.

19. Learn to make home made clothes, food, gifts, and more…  Do car maintenence yourself.  Just don’t try too much home dentistry, it could hurt.

20. Avoid more bills, such as tickets, fines, or fees.  With every new thing you do ask, “Will this cause reoccuring charges?”  If so avoid it like the plauge.

I want to apologize for not being on more often.  I was in a car wreck a couple days ago.  I am in extreme pain and hope to be up around like normal in a week.   Good luck being frugal!

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