cut your spending by $5oo amonth - national black …cn:|.. cut your spending by $5oo amonth in...
TRANSCRIPT
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CUT YOURSPENDINGBY $5OOAMONTH
In today'stight economy,who doesn't
want to free upsome cash?
Here are103 ways to trim
the fat butnot the fun from
your budget.
BY CAROLYN BIGDA,DAVID FUTRELLE.
AMANDA GENGtER.ISMAT SARAHMANGLA, AND
GEORGE MANNES
Whetheryou dit'.or layoithat it r::r iohf c ' .
once dicare hur:-days is .,Or two. r-
some eI:pocket, :flow, shc,:fund, or' .for futut..
In the ;flnd mor';help you .possibll'::
monthh'=we've an:over 12 n:,the-alum:expiratior:sucks the.smart, crEup cash l--deprived.
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JO:THESE TWOPAGES ALONE CAI{
SAVE YOU:
DAILYLIFE $14eeMOtlsAvl
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: Get timely ifi terse tips about: bargains byi following these: twitterers.: Not up on thei technology?I Get a tutorial ati twitter.com.
: \l/
i MUS|C: @amazonmpiS:I
I TRAVET: @JetBlue: Cheeps
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i FASHION/: BEAUTYI @DealDMne:: GEi lERAL; RETAII: @DealsPlus:: cIVEAWAYS: @fstimes
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SLASH YOUR GROCERY BILLShop once a week. The more trips you make to the store, thelikelier you are to buy on impulse because you see more temptingitems. About two-thirds of purchases are unplanned; cut thatin half to save $143 a month (if you spend $100 a week on groceries).
Give up the bottle. Stop drinking bottled water and instead buya filter for your faucet (about $34, plus $25 for replacements).If your family consumes 12 gallons a month, you'll save about $15.
Eat what's ripe. Out-of-season produce costs 20% to 50%o more thanit does when it's in season. For a list of what's in season when, goto fruitsandveggiesmorematters.org. Estimated savings: $7 a month.
Differentiate between clean and dirty. Organic produce costs
$l to $2 more than the conventional kind. Cut your pesticide intakeby going organic on the dirtiest produce (apples, lettuce) andconventional on the cleanest ftiwi. tomatoes). For a list of clean anddirby fruits and veggies, go to foodnews.org. Sarings: $18 a month.
MoilrHrY $ 183sAvltrtcs uP To ..Assumesspending$55amonthonproduce($35onorga^: , . : - : - ihrrdof i toutofseason.
ISTI
D|TCH YOUR SECOND (OR THtnD, CAn.Sure, she turns heads, but that
2OO7 Audi 46 Quattro is an expensiye mistress.Can't do without two cars? Trade it
in for a new Camry and save $221a month.
Savings for annual operating costs only: insurance ($4.992); gas ($2,218);maintenance ($734); assumes 5,000 extra miles on remaining car (2008AcuraTL),plus four weekly bus passes. Trade-in is even exchange for a 2010 CamryXLE.
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VISIT YOURLOCAL COBBLER|
- -+ , ,^-- '^ a\^t^ L_l^^^Lasr year s uore Haans are
so . . . in this year. Ratherthan shel l out $150 or more^-^h ^^^^^^
+^ h, . . , ^ ,eacn season Io DUy a newpair of good shoes, clean uplast vear 's krcks Yor rr localshoe-repair shop wi l l chargeabout $10 to f ix worn-outheel t ips for women. Mencan set another vear or moreout of their dress shoesby replacing the rubber heeland the sole savs veterancobbler J im McFarlandof Lakeland, Fla. Cost: aboutS50 l f thp ladv n{ thp housevvv. I ,
buys four pairs of shoesayear, and the man buys one(at $150 each), you'd savemore than $50 a month.
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FAMILY $+2 13
TRIII/| COLLIGIE)(PENSESTuit ion is the largest singlebil l you' l l pay for Junior toget a degree from Bleed YouDry U. But other costs addup fast. Slash these three:Books Nix Bdef Principlesof Macroeconomics from thecollege bookstore ($140);rent it from Chegg.com orCampusBookRentals.com,which carries the introecon text for $68 a semester.Meals Go for a seven- or 14-meal plan, not a ful l one. Yo_urkid wil l be up late partying,er, studying, and skipptngbreakfast a few days a week.And no one eats in thecafeteria on Saturday night.Travel For trips home,buy a Student Advantagediscount card($20) to save15% on trainand busfares,10olooff selectedf l ights.
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CUT THE COST OF NIXI YEAR'S CAMP... and other child-care expenses by signing up for a flexible spendingaccount, a valuable employee benefit that hardly anyone uses. Theaccounts, offered by 85%o of large companies, allow you to use pretaxdollars to pay up to 95,000 in caregiving bills (including day camp)for children under 13 and elders who are your legal dependents, inaddition to $3,000 to 95,000 ofyour out-of-pocket health-care costs(your employer sets the limit). But only 60lo of eligible workers use theaccounts for child care and22o/o for medical costs, the consultingflrm Mercer reports. What are you waiting for? The accounts offer theequivalent of35%o or more offon expenses you have to pay anyway.
Savings totlimits appl)
IAssecosts,emploform, rManypremil
Based on saving 50% of national average of 91,077a,year for books; Cornell semester meal plans($2,900 unlimited vs. $2,450 for 14 a week): fourroundtrip train rides, Ann Arbor to Rockford, lll.,plus one spring break flight to tvliami.
TOiTHLYsAvtxcs uP To88 Ass--es tne 2890 bracket, 26570 FICA, 95,000 in both accounts.
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DON'T)DO with a list in hand, you're far lesslikely to stray and end up witha package oftwo dozen seasonallyappropriate cupcakes. Also resistthe urge to give in to impulsebuys: Studies indicate that onceyou decide to buy something-anything-you will find itpsychologically easier to buy evenmore. Researchers Ravi Dhar (Yale),
Joel Huber (Duke), and UzmaKhan (Yale) call this the
"shopping momentum effect."
DON'T
Don't get comfortable. The moreconvenient it is for you to shop,the more convenient it is for you
to overspend. So don't makeit easy on yourself. Unless you're
stocking up on supplies, usea basket instead of a cart the nexttime you head to Target, forinstance. And if you're planning
to buy only a few small items,do without the basket altoEether.
) DON'T
Shop happy. Don't go to the mallwhen 1-ou're in a lousy mood.A studl'bv Harvard managementprofessor Jennifer Lerner has
found that people who were feelingdepressed when they shoppedwere willing to spend 30%o morethan consumers who were in abetter frame of mind.
DO + DON'T
- f f i@Don't be too hard on yourself.
A little treat from time to timewon't hurt you-and could evenhelp. If you don't allowyourself an occasional indulgence,you'll end up feeling deprived,suggests research by ColumbiaUniversity marketing professor
Ran Kivetz. The regret in turncan tempt you to splurge onsomething big in an effort to feelbetter. Also recognize that you
have only so much willpowerto spare, according to a study byFlorida State Universitypsychologist Roy Baumeister andmarketing professor KathleenVohs at the University of Minnesota.If you're trying to, say, quit
smoking ondcut back on spendinggive yourself a little slack on thespending front. Quitting smokingwill save you so much money-on cigarettes now and yourhealth-care costs later-that you
can afford to order a latte.
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strol) throughlhe mall.
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s* &Look, but don't touch. In fact,maybe you shouldn't evenlook. There's a reason retailers layout sweaters and shirts ontables like hors dbeu'"res: Theyknow you won't be able to resisttouching them, and that if youtouch them, you may not be ableto resist buying them. Why?A study by marketing professorsJoann Peck (University of Wis-consin-Madison) and SuzanneShu (UCLA) suggests that whenyou put your hands on an object-or even stare at it too long ina store window-it increasesyour psychological sense ofown-ership. That, in turn, makes itharder for you to resist buying it.
Get a grip. Making your spendinglimits concrete-by writingthem down or even telling themto other people-can help you
maintain self-control, says MITbehavioral economist Dan Ariely,author of Predictably Inational.
When you go into a grocery store
90
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HAGGLE OVERHIGH RATESA well-placed threat-er,negotiation-can save you abundle. Three places to cut:Credit cards Call customerservice and mention you'replanning a balance transferunless the issuer lowers yourrate, Repeat up the chain ofcommand until satisfied. Thisworks best if you have acredit score of 750 or higher.Gellphone New customer?Ask for an activation feewaiver-you'll save $40.Already using the service?Tell the rep you're thinkingabout canceling-usuallygood for 100/o to 2Oo/o oft.Cable Find out what thenew customer oromo is andask for it. Or threaten todump cable for the phonecompany's TV service.
gf.$s*fltoltTHLY :g-il3AtiiGE.. ... Ua-tmRate cut from 22% to 14%, $3,000 balance paid in twoyears; 20% off $7slmonth cell bill; recent cable promos.
Make cheapbets on
U.S. stocks byopting for
funds with lowexpenses.
NOW
DavisNew YorkVenture B
(NYVBX)
n
STAY ON FEE ALIRTAtypical overdraft fee is $26, a 3070 jump in 10 years. Credit cardlate fees at major banks are around $39, and could hit $49 next year,experts say. Avoid the shakedown by setting up e-mail and textmessage alerts at your bank's website. You'll get a ding when billsare due or your checking balance drops below a certain amount.
Sf,lilt'J. ilAssumes four overdrafts a year at $26 each and two credit card late payments at $39 a pop.
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Stop ovelpaying for college savings. Two-thirds of new 529 college savings accountsare sold through brokers-even though the plans charge up to 5175o/oper transaction and you can buy similar funds directly fromproviders at no charge. Find a good one at savingforcollege.com.One possibility: Utah Educational Savings Plan (uesp.org). lf you invest $i00 a month for each of two kids,
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DO IT YOURSELFEven DIY newbies shouldbe able to tackle these homemaintenance projects,Clean the carpet. No needto hire a pro every time youget a spot on the rug. Rent acarpet cleaner for $20 (seerentalt ips on page 95) andsave the $200 or more acleaning service charges torender five rooms spotless.Fix that leaky toilet.All you probably have to dois replace the valve in thetank (cal led the f lapper valve)that l i f ts up when you f lushand lets the water flow throughto the bowl. The actual partcosts only $3 to $5, buta plumber wil l charge $70.Weather-strip your doors.To stay toasty this winter,stop the leaks that let warmair out and cold air in. Ahandyman wil l charge $65 toinstal l the weather str ippingand door sweep neededto help seal a door against theelements. But you can buythe supplies for $15 at yourlocal hardware store andattach them vourself.
IIOIITHLYsAvlilGs
ZAPYOUR ENIRGYCO$STired of your spouse telling you to Iower the thermostat and put ona sweater? Try these tips to cut your energy bills by 25o/o or more.
Do an energy audit. Get a free check ofyour home for energy leaksif your utility company offers one. Or do it yourself using the guideat energystar.gov. Savings: up to $40 a month (after improvements).
Automate heating and cooling. Set a programmable thermostat($50) to automatically lower the heat aft,er bedtime and warm up thehouse before the alarm clock rings. Savings: $15 a month.
Go fluorescent. A compact fluorescent bulb uses 75%o less energyand Iasts 10 times as long as an incandescent one. You'll make backits higher cost ($3.50 vs. 50€) in six months. Savings: g7 a month.
Put on that sweater. What's so bad about layering anyway? It's freeand it's cozy. And for every one degree you lower the temperature,you'll cut about 17o offyour heating bill. Savings: g8 a month.
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a new one($250)
and cut thegrass
yourself.
Fix a toilet once a year, clean your own carpetevery other year instead of hiring a pro annually,and weatherstrip two doors every three years. Informal survey of
gardener fees inSacramento; costof walk-behind
mower amortizedover 12 months.94 Energy audit based on average $1,900 annual home energy expenses; Energystar.gov estimates on
savings: bulb item assumes 10 CFL bulbs with the lights on an average of three hours a day.
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BE A FRUGALCONNOISSEUR
Want high end without thehigh prices? These strategiescan save you75o/o or moreon a variety of luxury goods.
Reqreac*An,to ptT. Ron
You don't have to shop Fifth Avenue stores or pay Fifth Avenue pricesto buy designer clothes,jewelry or home goods. You can go online tograb high-end products at deep discounts-fyou know where to look.
Shop the online clearance binsFor years fashion designers haveheld sample sales to clean outinventory pricing end-of-seasonstragglers at a deep discount.But you had to be in cities like NewYork or Los Angeles to benefit.
Not anymore.Over the past year or two, at
least a half-dozen sites have beenlaunched that bring the designersample sale concept online,as recession-challenged luxurymarketers search for a broaderaudience. While sites such asBluefly.com and Yoox.com havebeen around for years, the new
i breed-sites such as Gilt.com,i EditorsCloset.com,Hautelooki .com, and Ruelal,a.com-: offer limited-time sales buti for deeper discounts (5070 toi 75o/o off retail vs. a more typicalt 4oo/o atthe older sites). The: deals can be stunning: Hautelook; recently sold a stainless-steeli men's Movado watch for $429,, ?1olo less than the $1195 price tag, in stores.: In addition to clothes for men,I women, and children, many ofr the sites handle jewelry and other
accessories (handbags, shoes,sunglasses). But to get the bargain,you have to become a memberofthe site, either by invitation(say, from a friend who's enrolled)
or by simply signing up (somesites may have a short waitlist). You also have to time it right.Sales typically run for 36 to48 hours only, with many itemsselling out in the first hour.
Scour home-goods salesThe sample-sale concept isexpandingto high-end home deco4,such as pottery from interiordesigner Jonathan Adleq, Odegardrugs, and glassware from ItalianmakerLuigi Bormioli. Some of thefashion sites, like Hautelookand Gilt, now sell home goods. Butyou will find more variety atsites such as OneKingslane.com,which deal exclusively in homedesign. There, a Staub cast-ironpan recently sold for $99 vs.$200 in stores.
Use a free personal shopperLove the luxe sales but can't shopwhile you're at work? Sign up foralerts letting you know when yourfavorite designers go on sale atretailers such as Nordstrom andBloomingdale's by creatingan account with ShopltToMe.com.The site acts like a virtualpersonal shoppe4, scouring onlinedeals for you. You'll see resultsonly for the brands and sizes youchoose, rounded up and sentin an e-mail once a day or oncea week (1'our preference).
You can buya men's
designer suit,like thisHickey
Freomln
in storesfor $1,200.
OR
Buy the samesuit for $380 at
GttT.c0M.
Want toimpress at
a job interview?You could
buy this ToryBurch Studded
LeatherTote for $495.
OR
Rent it fromAVELLE.COM
for 526 a weekfor members.
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96
LEISURE $1,405
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HAVE MORE FUN FOR LESSThese low-cost outings can be a lot more enjoyable than loftier fare.
Take in a minor-league ball game. You'll pay Iess for a seat rightbehind the dugout than you would for two hot dogs and a beerat a big-league ballpark. Exhibit A: Four tickets behind first base atAngel Stadium in Anaheim will cost $380 this season; comparableseats at a nearby Rancho Cucamonga Quakes game arejust $48.
Listen to aspiring musicians. Exchange your subscription to thePhilharmonic ($736 for two prime orchestra seats for fourperformances ofthe San Francisco Symphony) for one to your localuniversity's orchestra (an introductory package with similarseating for the Berkeley Syrnphony Orchestra: $240).
Watch the early show. In place of an evening at the multiplex, catcha midday matinee. Better yet, make it brealdast and a movie.Theater chains discount generously on shows that start before noon:You might pay $4.25 a ticket vs. $8.50 for the same film at night.
TOl{THLYsAvlt{Gs uP To . .
BROWT{-BAG ITTWICE A WEEI(
Ditchtircsandwichat
the dovrnstairsdeli andpacka couple of
hmcheswithleftovers.
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a priceyhot spot for amiddaymeal;
the foodisthe samq
but thepricesare cheaper.
THINKSTATL
Forgotheu'hite-
tableclothservice at
aitryrestaurant;
order smallerportions
fiomthebarmenu instead.
I1{DUtGEA tITTtEEatyour
maincourseat home, then
go out fordessert. Order
somethingextravagant-
you canafford it.
other assumptions: ball games for a family of four twice a year, once-a-month movies for two. For two bottles of fine bubbly a year
toitSAYII
GARDIN SMARTERThe golden rule of gardening:Don't pay for someihing thatyou can do yourself.Don't buy mature plants(50 for $200) when you cangrow them from seed ($20;Make compost from rottingleaves in your yard ratherthan buying it ($110-$165).Mooch the mulchYou may be able topick up free mulchfrom your townor local utility. Justcall and ask.
HOI{THLYsAvt l {Gs uP To. . . . . . . . .A 200-square{oot flower garden, replacementof a quarter of the plants.
Gelebrate hrgaltyTloasting a special occasion?Veuve Clicquot's RareVintage 1988 will run you$105. An excellent,far less costly substitute:Frenchbubblyfromoutside the Champagneregion, like Louis BouillotCrdmant de BourgogneGrandeR6senre Brut. Theprice: just $13.
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