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Teresa

SoWal Guide
Staff member
Nov 15, 2004
30,670
9,475
South Walton, FL
sowal.com
I buy almost everything online with the exception of stuff like gasoline and groceries. I should add that not everything online is a bargain but I enjoy the convenience. I have not bought clothes in a brick-and-mortar store in years. Same with shoes but then I wear shoes of unusual size and cannot find them in local stores. I also buy computers and electronics stuff online. I trust Crutchfield more than BestBuy. No restocking fees. I have even bought furntiure from dealers in North Carolina, site unseen. I did have prior exprience with the dealers however.

A good site to compare prices online, especially tech stuff, is pricewatch.com.

thanks for the info. and yes, we do buy some electronics and office supplies online. I used to buy shoes online but got tired of sending them back for another size. I would possibly still buy shoes online if looking for a specific known brand/size. Clothing - can't do it anymore - it's too time consuming to look at page after page. drives me insane!!!

yes, online furniture. I've done some of that as well with very good results.
 

traderx

Beach Fanatic
Mar 25, 2008
2,133
467
Shoes can be a little frustrating but with online stores like zappos.com, it is much easier than it used to be. Shipping is free and they even pay to ship the shoes back if you do not like them or they don't fit, and you have a full year to decide. I can typically only buy from a few brands so I have figured out what size fits. As for clothes, I gotta believe shopping for men's clothes as compared to women's clothes is easier. I don't know how y'all keep up with everything. :lol:
 

30abob

Beach Lover
Aug 8, 2007
239
47
Blue Mountain Beach
I've had this conversation recently with my wife...

Me: "We've got to find somewhere to cut back."
Wife: "Well, I saved $xx.xx today!"
Me: "Really, did you open a new savings account or money market account? Put it in under the mattress? Bury it in a jar in th backyard?"
Wife: "NO, smart@ss! I bought stuff and the register tape said I saved so & so."
Me: "Ahhh, we need to define SAVE and DIDN'T SPEND TODAY."

... but, on a serious note! I'm the bargain shopper in the family and will buy more of an item than we currently need IF; we use it regularly, the price is right (at least 25% off - 2 for $x.xx is not good enough by itself), and the pantry space is available. Beyond that we cut out "stuff." For example, we don't have cable and haven't had it since 2003 and I have 4 kids (the oldest one is now off at college) from age 7 to 18. We may get it again soon (the kids are all in school now and realize we're either hippies or weird - according to their friends) and I'll probably watch... but I don't miss it right now. We all read a lot and my wife still reads to our 7 year old son (the only boy) almost every night. We get the books (and DVD's) at the library for free or my wife buys them at a discount through her part-time job (Sundog Books). My wife and I aren't real materialistic, every now and then I'll start wanting something but I've found that if I wait a few days the desire passes or I find something new to want for a day or so, the cycle continues. Most of the "stuff" we have is old and worn out, but if we bought new stuff it would soon be the same... remember the 7 year old boy.

In short my strategy is to be like my Dad; he's 66 and retired. He is from the "builder" generation (pre-boomer) and is the tightest man I know. He owns outright everything he currently has or ever wanted and still manages to save (in an account or fund) 50% of his monthly retirement check from 40 years of working for the railroad. He never made 6 figures in a year but could be the guy from "The Millionaire Next Door". He finally started taking disbursements from one of his many investment vehicles in 2008 and doesn't know what to do with it so he saves 50% and gives me and my two sisters a few hundred each month - mine goes straight to the 18 year old college student. If I had paid attention earlier I could be investing what he was giving me now while stock prices are cheap!
 

Matt J

SWGB
May 9, 2007
24,861
9,665
30abob, I can save you on cable. Sign up for the internet service only. That same cable will give you basic cable. ;-) You should be able to get a deal for 12 months, then cancel and have your wife sign up. Mediacom is nothing if not stupid.

I've also been getting all of the oven cooking out of my system. Lasagna, mac and cheese, enchiladas, and anything that needs to be baked. Once the item is done I leave the oven cracked and let the heat filter through the house. Now if I can just get hubby to turn off a $%(# light every once in a while we'd be set.
 

SHELLY

SoWal Insider
Jun 13, 2005
5,763
803
(1) Stop and feel grateful for all the things you now have. Be thankful for what you have instead of lusting after things that you don't have.

(2) Make a list of things you know are stupid and frivolous and you can do without and cut them out first. (i.e.,paying for 4 premium movie channels; buying "name brand" tin foil)

(3) You don't need to deprive yourself of anything. Make a list of things you feel make your life comfortable and find a way to make them less costly (i.e., you buy a soda from the vending machine each day--why not just stash a pack of soda in the office fridge or bring a can in a cooler; borrow movies from the library or friends instead of renting them; dine out during lunchtime or brunch at your favorite restaurant instead of dinnertime.)

(4) Find a way to cutback or save money on your utilities at home. Take time to research them all on the internet.

(5) Start saying "no" to costly kiddie extras--your kids don't need a copy of the annual school yearbook. Teach your kids about finance and thrift by setting the example and saying "no" a lot more. This will pay off BIG TIME now and in the future.

(6) Start tracking where ALL your money goes to during the next several months. This will not only make you aware of your spending, but will also show you that the money really didn't just "disappear" into thin air (unless you're spending big bucks for texting/cell phone services or leaving your windows open in August while running the A/C).

(7) Keep track of the money you've saved and plan how you're going to spend all this new-found money. (HINT: Using most of it to pay down debt is a good start.) If you're saving a portion of it for something special, like a vacation or down payment on a home, it may provide the motivation to save more.

(8) Check out a book about finance (like "Finance for Dummies") and take the time to learn as much as you can about finance--mortgages, insurance, banking, investing, retirement. It is SO, so important. Don't rely on the counsel of any other individual to tell you what is best for YOUR money. You can listen to what they have to say, but research, verify and ask questions. Do your homework and put on your Skeptic Suit whenever you are dealing with anyone about a financial decision--whether buying a TV set, an insurance policy or a Kondo in Bocca.

(9) Always give a bit of your money away to a cause greater than your own--whether it is a set percentage every month to your church or just occasionally throwing your change from your Happy Meal purchase into the Ronald McDonald House donation box.

(10) If you ever feel that dealing with your finances is overwhelming--see item #1.
 
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dunelover

Beach Fanatic
Jan 14, 2007
484
88
Oklahoma girl
www.thebeamstore.com
Lots of good thoughtful posts here. I think what Shelly said is so key. Figure out what you are actually spending and track it by budget categories.

One thing I do, as I have three growing kids, is sell or consign their clothes and some toys. I do give one of my kids clothes away to a friend that could use them, but alot I sell. With the change of seasons coming soon, now is a good time. If you are an ebay user and have some recognizable brands in your kids closest selling on ebay can be a good idea.

Shopping online can provide extra buying opportunites w/ sale prices not known to others as well. I buy alot of my kids clothes online and am constantly getting emails w/ discounts not found in stores.

Coupons, coupons ...They really work. Keep a bag in your car that way you always have them and put your grocery coupons (organized) and store coupons in there.

Oh, the green produce bags are at bed bath and beyond. Just saw them there last week. Don't know if they work, haven't ever tried them.
 

Miss Kitty

Meow
Jun 10, 2005
47,011
1,131
70
I stay out of Target.

:lolabove:...no sheet! I have a hard time sticking to a list in Target.

I was making a plane reservation for Steven to come home from DC. Man, those airlines have jumped up their prices! As a rule, we are an American Airlines fam (about the only game in town here) and the first flight I chose came up at $1,246. :yikes: Then I went back and chose the price option and was able to get it down to $600ish. I ended up on travelocity and now, he is coming home on US Airways for a much better price. I felt like Mermy. :love:
 

Allifunn

FunnChef - AlisonCooks.com
Jan 11, 2006
13,635
289
St Petersburg
(1) Stop and feel grateful for all the things you now have. Be thankful for what you have instead of lusting after things that you don't have.

(10) If you ever feel that dealing with your finances is overwhelming--see item #1.
Shelly, always the voice of reason :D :clap:
 
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