Frugal Tips from Your Favorite Are you looking for even more ways to keep more money in the bank? Experian knows the importance of this for every person’s financial health. So, as part of our overall commitment to financial literacy and in conjunction with our just released annual State of Credit report, we contacted some of our favorite personal finance writers and asked them to share one of their favorite ways to save money. Check out these frugal-living tips: One of my favorite tips is to run your financial life like you run your social life. Set-up calendar alerts for everything you need to do to keep your finances running smoothly, from paying your bills and your rent to checking your credit report once every four months. When it comes to bills, set a calendar alert for three days before the bills are the due, so you never make a late payment. And in January, set a calendar alert that reminds you to start preparing your taxes, so you’re not overly stressed when April comes around. The best way to save more money in your everyday life is to ask yourself one question each time you reach for your wallet to make a purchase: “Do I really need this? ” If you can learn to differentiate between a “want” and a “need,” you should be able to cut a massive amount of spending. Do you need to buy a coffee and a candy bar from the convenience store? Do you have to to upgrade your cell phone and digital camera? Do you really need new clothes, and do you have to eat out at restaurants each week? Chances are, you can get by without spending money on these things. By getting into the habit of questioning the necessity of each purchase, you can certainly reduce your spending and build your savings. I consider myself a frugal guy (some might even call me cheap). But ironically, I’m not super disciplined when it comes to money. Too me, budgets feel like diets and are just really hard to stick to – and they often end in more frustration than results. My philosophy is that being successfully frugal shouldn’t require me to completely change my behavior. Instead, I find ways to create new, financially healthier habits that fit naturally into my life the way I actually live it already. Every time I get in a checkout line, I stop, look at what I’m about to purchase, and remove one item. If you’re already a disciplined shopper and only buy things on your list, you probably don’t need this. But for the 99.9% of us who tend to leave stores with more than we came for, it’s an easy way to break the cycle of mindless impulse buying. Focus on cutting expenses that you aren’t using, and finding discounts for what you do use. Many times there are monthly expenses in our budgets for things we just aren’t utilizing: memberships, monthly service fees, etc. If, however, an expense is justified, ask yourself if there is a way to reduce the expense through a discount, coupon, or simply by asking for a lower price. If you actually enjoy and look forward to the process–and the results–than it’s so much easier to avoid the temptation of take-out or expensive dinners out. It’s also pretty easy to teach yourself, thanks to the Food Network, Allrecipes.com, and other food websites and blogs. Food cooked at home is so much cheaper and healthier. If you’re just getting started, keep things simple and start small. Try packing your lunch a few days a week, or making dinner a couple of nights per week. Over time, your skills will improve and you’ll be able to do more and more of your own cooking. Maxine Sweet is vice president of Experian North America’s Public Education organization and leads Experian’s consumer education, community involvement and corporate responsibility teams. Maxine is responsible for helping consumers understand credit reporting and use credit wisely. I think prioritizing your spending is one of the most important things you can do to save money in the long run. Really think about what you are buying, and why you are buying it. If you realized how much you spend on things that aren’t important to you, you’d cut some purchases from your life. Prioritize your spending, and focus your efforts on what’s most important to you, and stop spending on the unimportant things. I came up with this tip initially for budget shoppers that frequent my site, but I’m sure you’d see how it can be useful in buying stuff in general. Before buying anything, always consider the item’s Cost Per Wear, or the CPW. Just divide the cost of the item by the number of times you will wear it in a given period. In the long run, having something you don’t need negate any savings you may have initially made during the purchase. So a 0 shirt worn 20 times has a cost per wear of . The CPW is important because there’s a tendency for some bargain hunters to focus only on the price of an item, which often leads to purchases based upon price (i.e. My favorite frugal tip is to keep a price book [to track the lowest price of an item], which is the only way to know if you’re getting a good deal and whether it’s time to stock up. It’s a fundamental, basic step to take when looking to live frugally – especially if you want to maintain a certain standard of living! I’ve written multiple times about price books, but here is my best blog post. My favorite frugal tip of the moment is to make sure you comparison shop, especially when it comes to big ticket items. I think that comparing prices when it comes to smaller items may not be worth doing if the savings are minimal. After all, I subscribe to the “time is money” principle. However, with costlier items such as car or appliance purchases and particularly with labor/service type contracts, you may find that the variances in pricing and cost can be much larger. If you do your homework, you may be able to save quite a bit. A common savings tactic that a lot of savvy savers do is to check on items at a store and compare their prices to their online prices. You can also search for online coupons before ordering anything through a website. Lastly, look for reward sites that allow you to earn something back when you spend. Silicon Valley Blogger (SVB) runs The Digerati Life, a personal finance site that offers tips and resources on saving money, stock investing, credit management and general money management. You can check out her twitter page at @The Digerati Life and Facebook. Instead of spending hundreds of dollars at the optometrist, order eyeglasses through Zenni You can get prescription eye glasses for as low as to , including shipping. It’s easy to do and I’ve been very happy with the two pair of glasses I’ve ordered from them. In fact, once it took them longer than it should have for my order to arrive so I contacted their customer service and they sent another pair of glasses free of charge! My favorite frugal tip is to find a saving buddy to keep you accountable. Not only can the pair of you help keep each other in check, you can discuss other tips and best of all, it makes the whole journey more fun since you can celebrate the milestones together! My favorite frugal tip is to never pay retail price for anything. It doesn’t matter if it’s food, travel or clothes, these days there are unlimited ways to save money. From bartering for a discount to using coupons and earning cash back on every purchase, there’s always a way to get something for less. I think the last time I paid full price for anything was 5 years ago. And if you’re not very frugal, some words from Ben Stein … I am the least frugal, most spendthrift man on this earth. I have no frugal tips except: 1.) I never rent movies in hotel rooms. 2.) I never use the hotel phones when I can use my cell. 3.) I have never had lobster ever in my life and don’t want it. I am pretty good at making a living and I am halfway decent at investing. But I have never been a frugal man and probably will never be. On the other hand, my parents were frugal and left my sister and me a meaningful estate. Do you love saving money? And are you looking for even more ways to keep more money in the bank? Experian knows the importance of this in every person's financial health.
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