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A penny saved is a penny earned. In a country with taxes , a penny saves is 1 1/4 cents earned. I am trying to "earn" all I can by cutting unnescessary expenses.
I posted elsewhere that i am now making my own coffee and buying baggles or muffins in a store instead of the DD drive through. That's good for $1000 a year. I'm switching to a Brita type water filter instead of bottled water for drinking , that's worth almost $1000 a year. I turned down the water heater and keep certains parts of the house cool instead of heating the whole place , thats big for soem people but since I'm alreday fairly energy efficient , its worth about $1000 a year. I started buying at BJ's in bulk instead of running up to the corner 3 times a day for stuff. That saves a lot. One of the biggest savings is to cook at home instead of eating out all the time.
Anyway , when you can't increase your income you trim expenses. the whole goal is to have more free money .
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