Frugal changes that save more than $100 per month

 We all see suggestions that others offer that save a dime here, a
nickel there.

Well what frugal changes have you made that save at least a $100 a
month?

TMT

  Too_Many_Tools wrote:

It's hard to make changes to save that much when you've been frugal all
along. :-)

--
Evelyn C. Leeper
I know you can't live on hope alone but without hope
life is not worth living.  -Harvey Milk

 TMT, out lifestyle is frugal. We haven't made many recent frugal
changes that have saved us $100 per month.

Most recent changes:
Switched the cell phone to pay-as-you-go service.
Eat out less often. (Less than once a week.)

Never started:
Buying breakfast
Buying lunch
Eating out more than twice a week
Smoking
Starbucks
Buying a car when the old car is still running fine
Borrowing / Paying interest on credit
Ball games, concerts, movies, etc.
Living beyond our means

 I'm curious how many of you are TRACKING your finances

using Quicken on the computer?

use an online service like mint.com?

What?

 wrote:


Unless you have a mega-corporation to manage, why not just
do it in a small spreadsheet?  Or a yellow note pad?  How
complex could this be?  You have a couple of bank accounts,
a small stack of bills, a few credit cards, and a 401K
statement.  If you are doing more than that, then you are
really over-thinking the process.

-john-

--
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John A. Weeks III           612-720-2854            john@johnweeks.com
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