Pinch Like You Mean It! 101 Ways to Spend Less Money Now

By Pincher, Penny, Dr.

Book Id: WPLBN0003468483
Format Type: PDF eBook:
File Size: 0.3 MB
Reproduction Date: 12/16/2014

Title:	Pinch Like You Mean It! 101 Ways to Spend Less Money Now
Author:	Pincher, Penny, Dr.
Volume:
Language:	English
Subject:	Non Fiction, Marketing, Personal Finance
Collections:	Authors Community, Reference
Historic Publication Date:	2014
Publisher:	Smashwords

Member Page:	Penny Pincher
Citation APA MLA Chicago Penny Pincher, B. D. (2014). Pinch Like You Mean It! 101 Ways to Spend Less Money Now. Retrieved from http://gutenberg.cc/

Description
I started writing this book on my cell phone on an airplane flight- with my phone in “airplane mode”, of course... While trapped in my seat for a couple hours I started typing a list of ways to spend less money and ended up with 101 tips. After I landed, I added some description, stories, and details to each tip to create a resource to help people spend less money. The tips on saving money in this book can be used to save money, of course, but they can also help you think about money and spending in a different way. Things look different when you have your debt and spending under control. New possibilities open up. You have more freedom and less stress.

Summary
Pinch Like You Mean It! is all about ways to spend less money. Why give so much of your hard-earned money away by spending it? Get 101 free tips on how to spend less right now. Topics include duct tape and other cheap repairs, how to get furniture for almost free, what steps to take in a financial emergency, and many tips on practical ways to spend less money every day. When can you save money by applying for a credit card? Check out tip #82. What frugal tip did Lizzy Borden's father teach Lizzy the night before the infamous ax incident? Read tip #72 and find out...

Excerpt
Buying food at a convenience store is rarely a good idea, but if you do, here is a tip to avoid paying sales tax on food items. Back in college, I would sometimes get a "grinder" burrito at a convenience store, not a bad lunch for about $1.00. If you paid for the burrito before microwaving it, it was considered a grocery item and there was no sales tax. If you microwaved it first and then paid for it, you were charged 6% sales tax since it was considered a prepared food item. Of course, saving 6 cents on a burrito is not going to change your life, but if you can save 6 cents every time you get a burrito, savings can add up over time. The point is not to pay more than you need to pay for anything and hold on to the savings, no matter how small. Wasting money is a bad habit- I try to adopt a "zero-tolerance" policy for wasting money. I suppose some would say I could save even more money by either not buying the burrito, or by buying the burrito somewhere else- you can get a burrito for 79 cents at Taco John's on "Taco Tuesday", or probably make one at home for about 35 cents. It is always a fuzzy line between "needs" and "wants". If you want to participate in the world, you need to spend some money. You have to find the right balance for yourself. On that particular day, buying the $1.00 burrito at a convenience store was just what I needed. I could have spent less on lunch that day, but it would have taken more time and I wanted to use my time for studying and other things. At least I spent the least I could on the burrito by avoiding paying sales tax.

Table of Contents
Dedication Introduction Disclaimer Tip 1: Avoid sales tax on food Tip 2: Save big at Kohl’s Tip 3: Save 10% on milk Tip 4: Make coffee at home, save over $500 per year Tip 5: Pack lunch instead of eating out Tip 6: Sharpen disposable razor blades Tip 7: Cut cable TV or satellite TV Tip 8: Buy less gas for your car Tip 9: Enjoy cheap- or free- exercise Tip 10: Save when eating out Tip 11: Get pets at the animal shelter for almost free Tip 12: Have less stuff Tip 13: Haircuts at home Tip 14: Walk instead of drive Tip 15: Credit card points Tip 16: Avoid dry cleaning Tip 17: A Subway $5 footlong is a good deal Tip 18: Use energy efficient lighting Tip 19: Improve home insulation Tip 20: Reduce your house payments with a mortgage re-fi Tip 21: Buy used items and save Tip 22: Stop making car payments Tip 23: Avoid recreational shopping Tip 24: Cut small unnecessary purchases Tip 25: Utilize free resources at your library Tip 26: Free or cheap hobbies Tip 27: Get an artificial Christmas tree Tip 28: Plan meals, shop with coupons Tip 29: Drop newspapers and magazines Tip 30: Staycation instead of vacation Tip 31: Stop buying lottery tickets Tip 32: Stop smoking Tip 33: Take shorter showers Tip 34: Find out where your money is going Tip 35: Avoid boarding your pets Tip 36: Get multiple estimates for home improvement projects Tip 37: Get enough sleep Tip 38: Eat less Tip 39: Cut down on travel Tip 40: Install a programmable thermostat Tip 41: Chew gum instead of eating a snack Tip 42: Switch from soda to free water Tip 43: Cut down on coffee Tip 44: Pay off high interest credit cards first Tip 45: Negotiate on hotel rates Tip 46: Take advantage of kids eat free nights Tip 47: Inexpensive foods that are healthy Tip 48: Free stuff Tip 49: Buy fewer things, but better quality Tip 50: Avoid expensive clothing brands, especially jeans Tip 51: When to buy food items at convenience stores Tip 52: Sell unneeded appliances Tip 53: Wait to buy materials for projects Tip 54: Don't go for a test drive unless you want to buy a car Tip 55: Watch out for high pressure sales pitches Tip 56: Save on insurance with bundle discounts Tip 57: Don't carry small bills Tip 58: Wait 48 hours to buy Tip 59: Use a black permanent marker to revive old clothes Tip 60: Carry your best coupons in your wallet or purse Tip 61: Spend more thought and less money on presents Tip 62: Reduce/avoid knick knacks and collectables Tip 63: Consider downsizing to reduce expenses Tip 64: DIY projects to save money Tip 65: Shop around for the best deal Tip 66: Take good care of your teeth Tip 67: Grow your own food in a vegetable garden Tip 68: How to cut expenses quickly in a financial emergency Tip 69: Carpool to save on vehicle expenses Tip 70: Keep your car clean Tip 71: Try not to move Tip 72: Use old clothes for rags Tip 73: Donate unneeded items and save money on taxes Tip 74: Buy generic- why pay for advertising? Tip 75: Don't go grocery shopping hungry Tip 76: Get free checking, avoid bank fees Tip 77: "Bank" at a credit union rather than a bank Tip 78: Turn off unneeded lights and appliances Tip 79: Can you eliminate an extra vehicle? Tip 80: The art and science of the store return Tip 81: Discount programs at grocery stores Tip 82: When to apply for a credit card to save money Tip 83: Fun night at home Tip 84: Pizza can make you happy Tip 85: Use coupons for oil changes Tip 86: Get furniture for almost free Tip 87: Shop on tax free day Tip 88: No more late fees Tip 89: No more postage Tip 90: Duct tape and other cheap repairs Tip 91: Repair shoes instead of throwing them away Tip 92: Rent a truck instead of buying one Tip 93: Get building materials for free Tip 94: Save hardware odds and ends Tip 95: Bake and decorate your own cakes Tip 96: Stay off the hamster wheel Tip 97: Avoid spending deathtraps Tip 98: Don't throw away all the old batteries Tip 99: Buy less stuff that is made to be thrown away Tip 100: Use fans to lower your bills Tip 101: Read Penny Pincher Journal About the Author Connect with Dr. Penny Pincher