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Save in the Home
1. Cut the cost of your long distance calls as much as 60 percent by dialing yourself and using the
daily and weekend specials. Plan what you need to say and limit talking time.
2. Use fewer paper products, such as paper plates, cups, and towels, so they won't have to be
replaced as often.
3. Strive for a simpler lifestyle. This means owning fewer nonessential things and having
less to clean and maintain. Buy less clutter and junk.
4. Be creative; use what you have in new and better ways.
5. Cut your recreation costs by planning more activities and games at home.
6. Entertain friends and relatives at home simply.
7. Use your sewing skills to make gifts: aprons, place mats, linens, hand towels, pillows,
needlework. Or, make pictures, wall hangings, chair seat covers, and decorative screens.
8. Use some of your homemade jams and jellies for gifts.
9. Start slips from some of your plants; then pot them for gifts.
10.Plan carefully and thoroughly as the first step in economical decorating.
11.Consider remodeling rather than building a new house.
12.Learn to paint and to wallpaper.
13.Learn to refinish furniture.
14.Make your own draperies, curtains, spreads, slipcovers, and table covers.
15.Learn to clean, repair, and restore household items yourself. Learn to maintain and repair the
house and equipment.
16.Make dried flower arrangements from garden flowers, wildflowers, and decorative weeds.
17.Decorate your home with items from nature or use family creations.
18.Take advantage of free or low-cost learning opportunities, trips, and community services, such
as schools, workshops, fairs, libraries, concerts, hikes, public tennis courts, home shows,
Extension programs, and other adult education courses.
19.Hold a garage sale. Sell those items you no longer need, use, or want.
20.Plan an outdoor area for living. Landscape to beautify and enjoy it.
21.Buy things that will require as little maintenance as possible.
22.Buy furniture at auctions, garage sales, or second-hand shops.
23.Buy low-cost household cleaning products or learn to make your own.
Save on General Living Expenses
1. Distinguish between needs and wants--consider values, goals, and resources.
2. Know alternatives for increasing income.
3. Know how much things cost. Comparison shop.
4. Know when to use cash, checks, or credit.
5. Beware of little expenses. "A small leak will sink a great ship."
6. Shop with a list; don't buy on impulse. If you see something you really want that you didn't plan to
buy, wait a day before buying it.
7. Follow proven buying guidelines. Consider price per unit and watch weights and measures.
Check your sales slips. Count your change.
8. Pay promptly. Don't build up interest charges for late payments.
9. Know how much money you have. Plan your spending.
10.Don't spend tomorrow's paycheck today.
11.Be sure the time is right for the best price. It's oftentimes not what you buy but when you buy it.
12.Learn the principles for cutting family living costs. Learn, practice, and develop skills in the
marketplace, in the use of credit, in thrift, and in using financial institutions.
13. Substitute other resources for money. Learn to barter, borrow, share, switch, substitute, simplify,
and conserve goods and services.
14. Establish a safe level of credit.
15.Set aside a realistic emergency fund equal to 2- to 6-months take-home pay.
16.Shop for credit just as you shop for merchandise. Consider the cost of credit as a part of the cost
of the item you are buying. Know the annual percentage rate as well as the cost of credit in
dollars and cents.
17.Shop sales carefully. A seasonal sale may save 10 to 25 percent; a clearance may save 50 to 75
percent. Consider the actual savings in dollars and cents.
18.Remember, if you don't need it, it is not a good buy at any price.
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