Frugal Spending Tips

We all could use some help when it comes to saving money.† That odd trip to the store for a sweater that results in a new wardrobe, or a trip to buy a new phone and we walk out with a phone, an answering machine, and a digital camera.† These things happen, but adopting some frugal spending tips can make saving instead of impulse spending the norm.

Donít shop on payday.† This is when you have the most money.† You havenít paid the bills or put money away for savings.† In error, we believe that we have more money at our discretion than we really have.† At the end of the shopping trip, we are a few hundred dollars in the hole and a bill goes without being paid.

Donít shop for groceries on an empty stomach.† This is a universal rule.† It never fails; if you shop when you are hungry you can be talked into buying anything.† The shopping list goes out the window and so does the grocery budget for the month.† Shopping when hungry could also cause you to stop for fast food on the way home because you canít wait to fix something to eat.

Visit thrift stores and consignment shops.† This works for kids when they are babies and toddlers.† These stores have beautiful clothing that is in excellent condition.† All it takes is a little searching to find a treasure or two at a fraction of the cost.† Name brand clothing can be found here also.† Thrift stores are a good alternative to ďhand-me-downĒ clothing for younger kids.

Buy in bulk only if it is something that you need.† Buying everything in bulk is not necessary.† Some bulk prices have a higher unit price than buying a couple of boxes of cereal or baby formula.† Carrying a calculator to the store with you can aid in figuring up which is the best buy.† Join a shopping warehouse if you frequently buy bulk items.

Ask for a rain check.† Some stores donít give them for certain sale items, but it doesnít hurt to ask.† A rain check can save you money.† Donít buy a six dollar case of water if you can get it for two dollars with a rain check.† Buy up to the limit you are allowed to purchase and stock up.

Bargain shop when looking for services.† Thereís no rule that says you have to go with the first plumber that you call.† All companies donít charge the same amount.† Checking two or three places will give you a good idea of how the prices stack up.† Choose the one with the most services for the lowest price.† If you are not sure, ask a friend who may have had the same need that you do now.

Purchase gifts throughout the year.† Donít wait until right before the holidays or someoneís birthday.† Finding gifts throughout the year saves money.† Sales after Christmas are the perfect time to find all sorts of merchandise that would make good gifts for the following Christmas.† Store your gifts in a cabinet for that purpose so that you are never without something to choose from for gift giving.

A few frugal spending tips can save a lot of money.† It takes a conscious effort to start, but once you get the hang of it, it will become second nature.

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