Gardening
Gardening supplies should be added to your weekly shop. 15 dollars will buy a case of cannning jars. It will purchase many seeds.
A small vegetables garden will provide many healthy ingredients to your diet.
You can get free seeds from other gardeners and libraries. Check Facebook Marketplace and Craiglist for free gardening tools and canning jars.
Budget cutters
For a month, record all your spending. Every penny. Record any food waste.
Bartering and sharing can save you a fortune. We have lent out tools. I barter all the time to increase our lifestyle.
Prioritze the basics: hosuing costs, utlilites, insurance, debt payments, and food.
If you live in the city, ditch the car and use public transporation.
Save 10% out of pay check and put it in a savinga ccount. Do not touch it.
Stock up your pantry a little a week. Budget 10.00 for this. Baking things, spices, flour, and sugar.
Look at your little wasters of money. Mine has been home decor and books. Five years ago, I reduced those purchases by 75%.
Bank your windfall money, tax refund, and work bonuses.
Save your coins. If you live in a state that has bottle returns, save those returns.
Have a neighborhood swap. I hand our tickets for items. If you bring 6 items, you leave with 6 items.
Don't skip on health care. Get your teeth cleaned. This will save on later work.
If your body can tolerate it buy generic.
Are you using all your HSA account.
Your home:
Shop for homeowner insurances.
refinance your mortgage if it makes semse for yout situation.
Do an energy audit.
Weatherproof your home.
Health and Beauty
Keep your hair simple. Learn to have a casual, an updo, and dressier styling.
Take good care of your skin and hair. I use a lot of coconut oil for hair conditioner, and cream.
Learn to do pedicures and mainicures
Learn to use less makeup. Makeup well-applied is looks better than 10 products used sloppily.
Your basic makeup:
Foundation
face powder
mascara
lipsticks 3 colors
blushes 2
3 eye shadows
Good brushes
Travel:
Flying costs should be compared through several
Mail things to your destination and mail things home.
Use the hotel breakfast offerings. I often will get breakfast and lunch for everyone form the breakfast bar.
Shop for dinner at the grocery store and bring to the hotel
Bring a bottle of wine with you.
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