Saving Tips for Hard Times
I found this old document where I collected a series of tips to save money. This is all part of my experience of when I was near homeless, and some work depending on where you live, some don’t. Here we go.
BILLS:
1. The optimum temperature for refrigerator operation is 5°C, and -18°C for freezer operation. As a rule of thumb, for each additional degree of refrigeration output about six percent more electricity is used.
2. Unplug your appliances. Lamps, microwave, tv, computers etc. They don't need to be plugged until you use them, and it saves energy to keep them unplugged. Therefore, money.
3. Do homework for phone companies and internet plans. Call them! Often they are toll free and if you mentioned that you were already with them or thinking of going with them and then found out another company had a better deal, they could offer you deals for lower prices. I had to do it all the time for my phone, until they couldn't really offer anything better.
4. BIKE. Invest in a used bike if you can, especially for the warmer months. It offsets the transit costs and better your health.
5. WALK. That's the same as the bike, honestly.
6. Pay your bills on time, you will avoid late fees which can up to HUNDREDS of dollars wasted over the course of a year. If you can, set up automatic payments so you don’t forget.
FRIDGE:
1. Every time the refrigerator door is opened, cold air escapes and warm ambient air enters. To compensate for the temperature increase in its interior, the refrigerator must then use energy to bring the temperature back down. Always avoid opening the door unnecessarily and for too long.
2. When defrosting frozen food place it in the refrigerator. Not only does this ensure that the food is carefully defrosted, its presence cools down the refrigerator interior, reducing the amount of work that the compressor has to do, and therefore lowering energy consumption.
3. Never put warm food in the refrigerator as this will heat up the interior, as well as other stored foods. Hot food should always be allowed to cool to room temperature before placing it in the refrigerator
MONEY:
1. Keep all the containers like glass bottles, juice bottles, jars, cans etc. Look for your Return-It depot and have trips to return them. They give back coins for laundry, small expenses etc
2. Use that junk mail. Go through it, find coupons for food, for essentials like toilet paper or shampoo.
3. CHECK. THAT. DOLLARSTORE. They often have things like pasta, ketchup, toilet paper, batteries etc for literally 1 dollar. Â Pasta is pasta, toilet paper is toilet paper. Seriously. Don't need to spend 5$ on a shampoo bottle when you can have it for 1/5 of the price.
4. Do homework and check with different banks for which one offers a better plan. Some of them are willing to help out. Sit down with their advisors, find the best solution!
5. Use the envelope system! For example, one envelope with a label “food” the other with “entertainment” the other with “bills”. Then set the right amount of cash for each. That’s what you’re allowed to spend each month. If you realize you need more for food, grab it from the entertainment envelope. Adapt and arrange as needed.
6. If you can, set up an automatic saving (example 50$ every paycheck) for both regular saving AND an emergency fund.
7. Use the 24-Hour Rule. Avoid purchasing expensive or unnecessary items on impulse with a self-imposed 24-hour rule. For any non-essential item, wait 24 hours before purchasing. It’s perfect for online shopping where your items can simply be added to your cart to purchase later.
8. Make a grocery list BEFORE going to the grocery store and STICK to it. You’re going to avoid buying things you don’t really need.
9. DO. NOT. SHOP. WHILE. YOU. ARE. HUNGRY. Or you’ll end up buying food that you actually don’t need just because you feel snacky!
10. Only use ATMs from your bank, or you get charged small fees.
11. Set a “No Spend Day” per week, where you consciously DO NOT spend any money for that day.
12. Ditch the paper:Â Cutting out paper towels and using cloths and napkins that you can simply wash and reuse is a simple way to save.
13. After you wear clothes, hang them outside your wardrobe, on a door or something. You can air them out a bit, then stick them in the closet without washing. You can basically reuse the same clothes two or three times without having to wash them, sometimes they just need a bit of air and they won’t smell AT ALL.
14. If you don’t own or want to spend money on an iron, hang whatever blouse you need to iron in the bathroom while you shower. The steam will humidify the fabric and straighten it up.
15. Hang stuff to dry. Really don’t need to spend money on the dryer.
16. Sign up to the library. They have so many books and DVDs nowadays. You can also just go, sit at the library and stay warm for a while, so that you don’t have to sit at home and either suffer the cold or use money on your own heat.
17. Budget, budget, budget. Get a lil notebook, write down the monthly expenses, cut what you don’t need. It gets easier with time.
 FOOD:
1.      Make a meal plan. Write 10-14 days worth of dishes that you can do (lunch, dinner, everything you need). You can then toss them around as you go on with your week, but that way you have a pretty clear idea of what you use and the food you go through for how long. It also reduces the risks of getting take out since you already have plans for what to eat.
2.      Cook double! Seriously. Make that dinner and double it up. Leftovers can be frozen or put in the fridge for the day after.
3.      Meal prep. Once a week, prep a bunch of different recipes. Let them cool down, stick them in the freezer. At that point you’ll already have all these meals at the ready to just thaw/microwave or oven up.
4.      You don’t need pop. You don’t need alcohol. You most likely don’t need milk, but go for it if you wanna. Just remember dairy products go bad WAY more quickly than non dairies, so consider getting food and drinks with no dairy in them. Mainly, though. Water. Just drink water. Lots of it too! Sometimes our brain can’t tell the difference between hunger and thirst. You think you’re snacky? Drink some water instead! It’ll quell your hunger.
5.      Freeze fruit! If you think you’re not gonna be able to eat fruit in time, put it in a Tupperware or a ziplock and slap it in the freezer. You’ll be able to then use it for smoothies.
6.      Use the Italian saying “Colazione da re, pranzo da nobili, cena da poveri.” Which quite literally means “Breakfast as a king, lunch as a noble, dinner as a poor.” Breakfast should be very filling, carbs, protein, vitamins. It carries you for the whole day. Lunch should be quite filling too! But supper doesn’t really need a lot of it, and if you REALLY have to skip a meal, skip supper. Your body doesn’t need that much sustenance while sleeping.
7.      This is for the desperate times but I’ve done it, and I would do it again if I ever had to. Go to markets that have like… Fruits and veggies. Talk to them. Ask them “HEY, can I have the fruit/veggie that you have to throw away?” Ask them if you can have the ugly produce, the one that doesn’t look pretty enough to be put out. Or ask them to have whatever extra they have to dump because is past the expiry date. EXPIRY DATE IS USUALLY MUCH LONGER THAN WHAT THE LABEL SAYS. I wouldn’t risk it with dairy stuff or with things that are VERY expired, but one or two days? Totally fine, I promise. And if you have to? Dumpster Dive. Especially at markets with fruit and veggies that have to be sold on the same day (because it’s not considered “fresh” past that day.) Or behind pizza places like Dominos or Panago or whatever chain. They get pizza orders wrong all the time. Just give a peak behind these buildings and look inside their boxes. You have no idea how many times I found perfectly fine pizzas. For free! IF YOU DUMPSTER DIVE, MAKE SURE YOU HAVE GLOVES, A MASK AND PLASTIC BAGS TO PUT YOUR STUFF IN. ONCE AT HOME, DISCARD GLOVES AND WASH PRODUCE THROUGHLY. Also check tumblr for your divers community, they usually know the best spots.
 CLOTHES:
1.      Thrift shop! So many GOOD used clothes are out there! Honestly! My whole wardrobe is thrifted and everything looks brand new. It takes a bit of research and maybe that shirt you liked is not in your size, but you can find EVERYTHING, from socks to bras, at a thrift store. Don’t thrift underwear though. You want to go new with those.
2.      Invest in some needle and thread, then open youtube. There are SO MANY tutorials that teach you how to mend holes in socks and underwear. And really, no one will really notice if a mend is perfectly done or not. After a week, you’ll forget it too! But that prevents you from throwing away clothes that could just be mended a little.
3.      Something doesn’t fit you? Too small, too big? YouTube, homie. They have tutorials on how to fix these kinda things! All you need, again, is needle and thread.
4.      Organize clothes swaps with friends and/or neighbors. Everyone brings clothes they don’t need, put them in a pile. Go through the pile and grab whatever there is. There’s no money exchange, one could go home with 1 item and one could go home with 50 items. Who cares? The extra stuff… DONATE IT TO A SHELTER.
Feel free to add more, and stay safe!
