A Year of Living Frugally

In the month of December I always find myself reflecting back on the year, its highlights and lowlights. 2010 was again a year of great change and adjustment. Since saving money is crucial in a life without a fat salary, I want to share with you the top ten money saving tips Richard and I have put into place.

10. Refill the water cooler bottle from the tap. The water is crystal clear here so when the 5 gallon bottle runs out we stick it under the faucet saving $6 for the water and another $6 for deposit.

9. We let Ginger's hair grow out saving us grooming expense. We like her better with soft, curly hair and since the weather's been so cold she's warmer too. We save $50 every time she doesn't visit the groomer.

8. Richard's stick deodorant broke in two one day. He called Old Spice to complain and they sent him a coupon for a new one. Savings = $4.

7. We rode our bikes about 3 miles to a new gas station with a pizza parlor inside. We each ordered a slice for lunch. Richard's was kind of burnt on the bottom. He ate half the pizza before showing it to the guy behind the counter. He wolfed down 2 pieces of pizza for the price of one.

6. When our sweet tooth kicks in, we make a trip to the bank. Otis Spunkmeyer cookies are baked fresh there daily. And we don't even have to transact any business for free chocolate chip cookies!

5. Leave it to Richard to find free samples tucked back in the corner of the bakery at Walmart. Cupcakes, cookies, chocolate covered pretzels are there for the taking. I like having something to nibble while I shop.

4. Buy a new energy efficient house and turn down the air conditioning. Last month my electric bill was under $100 dollars.

3. Save the bottle caps from all the 2 liter bottles of Coke that Richard drinks. I got a thousand hotel points and a gift card to Chili's. Mmmm. Fajitas!

2. Buy a membership to Sam's club for $40. Shop, shop, shop and load up the freezer. Cancel the membership to Sam's and renew it in another 6 months when the freezer is finally empty.

1. Clip the $10 off coupon on the purchase of $100 American Express gift card. $100 worth of anything I want for only $90. It's a better return on my money than I can get at the bank.

Here's hoping you have a happy and healthy and frugal New Year!