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Forum
-> Household Management
-> Finances
amother
OP
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Mon, Dec 23 2024, 11:10 pm
I don't know if this has already been done here but I am trying to cut down spending and would love tips.
I'll start with some of my own:
-Don't buy wigs at reg salon, go to wig outlet or similar sales that are about 1200 or less.
- stock up for meat and chicken etc at big kosher stores with low prices and portion and freezer
-avoid car leasing if possible and buy used cars that can quickly be paid off
- if you need work done in your house always get three quotes to get a frame of reference for what cost should be
- learn how to understand insurance policies so you can pick the best option
- always shop around for home and auto insurance and change companies if they go up for no reason.
- whenever you are getting a new service with a big company ask if there are any discounts they can apply ( Verizon , Sprint etc ) often times there are.
- linen does not need to be bought at Jewish stores IKEA and amazon do the job and are a fraction of the cost.
- Zenni optical is great if you or your kids have glasses and you don't have vision insurance.
Feel free to share your tips and tricks !
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amother
Jean
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Mon, Dec 23 2024, 11:22 pm
- Don't get phone service directly from the big companies, there are excellent MVNOs at a fraction of the price. Consider Visible, USMobile, Tello, etc.
- Learn how to make your own challah. There are some super simple recipes and it's not as hard or time-consuming as many people think. (It literally takes me under 10 minutes to put the dough together, and another 5 minutes to shape it into rolls, though it would be probably 10 minutes if I braided.)
- If you aren't limited to heimishe hechsherim, you can buy a good 50%-60% of your grocery list at Walmart or similar.
- Try non-name brands every so often. You will be surprised but many are just fine. Learn where you need to splurge and where you can save.
- Be makpid about giving maaser (ask your Rav for specifics for your family). This is a guaranteed investment by Hashem. (Plus, if everyone gave maaser, we as a community would have much more funding for the organizations we all rely on.) If you can, give the recommended chomesh (20%) to tzedakah.
- If you have renter's insurance, consider Lemonade. (Israeli company and excellent rates)
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amother
Emerald
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Mon, Dec 23 2024, 11:47 pm
Invest in courses to style your own sheital and save paying the sheitalmacher for a wash n set only for simchos, yt, etc. This can save a lot of $$$ over time
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amother
Wisteria
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Tue, Dec 24 2024, 12:08 am
The biggest cost savers are things you spend on every day, rather than big ticket items that you buy rarely. Shop sales, make homemade, don't buy a daily coffee in Starbucks. Check your subscriptions - do you really need all of them?
And of course the obvious - shop sales for clothing or buy cheaper clothes, shop shaitel sales, shop furniture sales.
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amother
Mimosa
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Tue, Dec 24 2024, 2:01 am
Shop around for best prices.
Don't buy non-specialty kosher items at kosher markets. I see people buying cereal and regular ketchup (non heimish) at the kosher markets.
Use coupons- many major markets have coupons on their app. Super easy and if you are buying it anyways it saves tons of money.
Try Amazon for alternatives. I found generics cheaper and have been very happy.
Just don't buy. Fancy headbands, gadgets, whatever is the latest fad. The fad will change by next week, maybe 2 weeks.
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amother
Currant
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Wed, Jan 01 2025, 6:38 pm
If you have space, buy another freezer and bulk cook meals so that you have delicious home cooked meals even when you are tired, instead of take out. Same with challah, can bake and freeze once a month, and other staples.
Meal plan.
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amother
Tomato
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Wed, Jan 01 2025, 6:45 pm
Teach your children from a young age how to clean up. You won’t be dependent on a cleaning lady as much.
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amother
Hawthorn
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Wed, Jan 01 2025, 6:59 pm
Time is money
Shop once a week - consider every grocery trip cost a hundred dollars in things you did not need.
Only you know which tips work for you
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amother
Teal
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Wed, Jan 01 2025, 7:41 pm
Shop for toys and games in second hand stores
Stock on certain things in the dollar store that that more expensive elsewhere; some examples: pony holders, brushes, deodorant , tape etc...
There is and excellent app/ website called YNAB
( you need a budget) That we just got recommended to by a finance guy and it seems really great. It does cost some money after the trial but if it saves u alot It's prob. Worth it.
Try to stick with an amount you want to spend on food for the month and get creative with things in your house when you've used up your $ allotted.
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amother
Almond
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Wed, Jan 01 2025, 7:57 pm
Track your spending using an app. Set auto investments
Every dollar app, some bank apps have it like Fidelity.
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amother
Sienna
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Wed, Jan 01 2025, 8:02 pm
If u get WIC use all the food! Figure out how to implement them. Go to gemachs for kids clothes, shop aliexpress, serendipity if lkwd, make your own dips for shabos, only buy clothes on sale
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amother
Firebrick
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Wed, Jan 01 2025, 8:39 pm
As a poster said above, the big savings is in the day to day items
Stocking up on items actually has a reverse psychological effect
You can read up about it, but basically when you know there's more in the closet you end up using more faster
Cut color catchers in half the double the amount that comes in a pack
Add some water to your shampoo bottle, not too much that makes it noticeably runnier, but enough to add another bit of usage
Use less detergent per load and add vinegar to your loades instead it will also help your clothing look sharper longer, and also work as a cleaning agent
Shop for kids clothing on cheaper sites like H&M Gap Old Navy etc they can have gorgeous stuff for really cheap
Buy costly items off season for example by boots in the summer and coats in the summer and swimwear in the winter
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