So, we make all these little changes to save money in the budget. We hang laundry out to dry rather than using an electric cloths dryer. We buy in bulk and portion package it at home. We clip coupons and we only shop the sales. But how many of you know what you are actually saving? There is a moment of excitement when we look at the bottom of the cash register receipt and see that we have saved $23.76. Score! But five minutes later…wait, what was that number again.
Now, I’m a realist. I know it isn’t possible to think about everything we do on a daily basis and the impact it has on our finances, but I decided to put together a list of simple challenges so that you can see how much your hard work is really WORTH. All of these involve figuring out the CASH value of your Daily Discount Deeds. Once you know the value, keep track of it for a period of time, say a week, a month, or if you are feeling especially frisky, how about we shoot for a year…okay maybe I HAVE had a little too much coffee this morning. I have 2 suggestions for keeping track. First and probably the easiest is keep a notebook. Make a note of all the little things you do and the cash value for them, then pick a time each week to add them all up. Then consider transferring that much money into a special savings account, remember, It’s “Only savings IF you save it.” Another option is to keep a supply of small bills and change around so that when you do a Discount Deed, take the value of the deed and put it in a designated container. I personally LOVE the 6 gallon glass jugs that are used for wine making…yeah, I think the hold water too. The cool things about saving this way is that you actually get to SEE the savings accumulate!! I love visual things!!
Beginner
Intermediate
Expert
#1 Register Tapes. Let’s start with a easy one. There is no figuring involved here, they give you the number, no muss, no fuss.
#2 Be your own Barista. I know, I know…this one has been harped to death, but I would be remiss if I didn’t at least mention it. Making your coffee at home really does save a lot of money. So you don’t feel like you can start your day without your Java on the fancy side, consider investing in a machine that creates your fav concoction. Don’t believe that’s a savings? Do the math. How many coffees do you buy in a year versus what the machine costs. If you just said something along the lines of, “I don’t have time to make coffee for myself in the morning.” Then most of these won’t help you because many of them are about swapping small amounts of time for money so you may be barking up the wrong tree here.
#3 Shop the sales. Not all stores tell you out right how much you saved, but if you are looking for something specific and you find it at a lower than retail price, credit yourself the difference.
#4 Hanging cloths to dry. There is a lot of varying information out there on the actual cost savings of hanging laundry to dry rather than using a cloths dryer. There are a lot of factors to consider. One if whether your dryer is 110 or 220 volt, but the major one is what you pay per kilowatt hour. Adding to that, not all loads of laundry are the same size, it can become quite a daunting task to figure the savings on this one. I suggest finding a number that you are comfortable with. I’m sure it is a little on the high side, but for the ease of figuring, I settled on 50 cents per load. Doesn’t sound like much? Well, I know my situation isn’t typical, but I do an average of 17-25 loads of laundry a week. Even if we use a round number like 20 loads, that’s $10 per week, if you figure I can hang out for half the year (26 weeks), that’s $260 a year. What would you do if someone gave you $260 at the end of the year? Even $100? Don’t forget if you routinely use dryer sheets and you don’t use the dryer, that’s another check mark in the savings column.
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Make your own
Portion Package Bulk
Pay yourself for working out at home
Quit the habits
Grow your own
Fix-it yourself
Have Movie night in
Odd jobs
Credit card reward points
Free Shipping Deals
Discount gift cards