affected by the economy

[Saltheart]

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 .

[OLD GOAT]

Only turn the heat up to 60 during the day.No heat at night.Make extra food at supper time for lunch the next day.Keep the TV and the Computer in the same small room to provide heat when the door is shut.Get most of my bait my self.

[cheferson]

Not really cutting back much, as i dont really spend much to start. I Dont owe anyone anything , so nothing to pay off.Wife and I are starting a new venture on the side to make some extra income . My work also cut pay raises at all properties. I didnt really mind that till i heard of the managers getting a bonus this past week.