We avoid using credit
We have $20 a week come out of dh's bank for our electricity so that at the end of each quater we only have a small amount left to pay. We have tried to space our bills out so we dont have everything due at once.
I buy cleaning products in bulk, saves heaps.
I layby christmas pressies to space out the cost, my mum has a christmas bank account
I have spoken with family and we are doing secret santas this year for christmas and it should save as all a couple of hundred dollars as it was getting out of control and our family has expanded with partners and kids etc
I always welcome second hand clothes when they are ofered, 9 times out of 10 the clothes are in fabulous condition and as they aren't 'this seasons' you dont see every second child wearing the same clothes as your child. I always get 2 new outfits or each of my dd in summer and winter but I wait until they have the 25% off sales. (and always buy them a bit big so hopefully they might last 2 seasons)
making your own food saves heaps and tastes soo much better. I buy a lot of my meat in bulk packs or from the butcher in bulk when he has good specials then i portion it out at home and freeze it. I love our chest freezer, it costs a little bit to run but it means we have been able to buy a 1/3 off a cow butchered to freeze, dh has a friend who can get cheap frozen chickens so we buy them by the dozen and my dad always brings as frozen fish he has caught (he only likes to eat it fresh but it saves us money and doesnt go to waste). We also share fruit with fmaily members depending on who has what ripening at the time.
when I first moved out all my towels, kitchen utensils etc were second hand, I did buy a new fridge and cheap microwave but that was it.
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