ALABAMA A&M AND AUBURN UNIVERSITIES 200 Tips for …drop of oil can cut down on repairs and...

UNP-0041

ALABAMA A&M AND AUBURN UNIVERSITIES

200 Tips for Living on a Reduced Income

Introduction

Before buying an item, ask yourself these questions:

• CanIdowithoutit?• CanIpostponeitspur-chase?

• CanIsubstitutesome-thing else that costs less?

• CanIshoparoundforabetterdeal?

• CanIusemyownskillstomakeit?

• DoIalreadyownone?• AmIbuyingsomethingIdon’tneedjusttochangemymood?

Plugyourfinancialleaksby looking closely at your spending.Peopleoftencanfindwaysofcuttinglivingexpensesbyasmuchas10-20%withthefollowinghelpfulspendingtips.

Rate Your Spending Habits

Score yourself on the fol-lowingtips.Placea“2”intheblackspaceforeverytipyounowdo.Placea“1”intheblankspaceforeverytipyouplantodo.Total your score for eachsection,andthentotalyourscoresforallsections.

Section I: 7 Insurance Tips

_____1. Buyterminsuranceandusethesavingstobuydisabil-ityinsuranceoraddtootherinsuranceprotection.

_____2. Avoidduplicatehealthinsurancecoveragewhenyouandyourspousebothworkandcovereachother.Youwillnotbeabletocollectdoublepaymentsin mostinstances.

_____3. Raisethedeductibleonyourcarandhomeowner’sin-surancetoequaloneweek’stake-homepay.

_____4. Dropthecollisionandcomprehensivepartofyourautoinsurancewhenyourcarisworth$1,000orless.

_____5. Shopfornewautoandhomeowner’sinsuranceratesatthreeorfourdifferentinsurancecompanies.

_____6. Takeadvantageofallavailablediscountsonautoandhomeowner’sinsurance.Forexample,combineyourautoandhomeowner’sinsurancewithonecompany,andtakeadvantageofautodiscountsforsafedriverandgoodstudentandhomeownerdiscountsforsafetylocks,anti-burglar,securitysystemandfiredevices.

_____7. Beforebuyingacar,firstchecktheyearlyinsurancecostofthedesiredcar.

______ Your Total Score

Section II: 30 Food Tips

_____1.Makeagrocerylistandsticktothelistwhenshop-ping.Checkcupboardsandrefrigeratortoseewhat’sonhand.

_____2. Shoponlywhennecessaryandnotmorethanonceaweek.Eliminatequicktripstotheconveniencestore.

_____3.Don’tgroceryshopwhenhungry;thereisatendencytopurchasemore.

_____4. Trygenericorstorebrandsinsteadofnamebrands.

_____5. Knowregularpricessoyouwillknowwhengroceryspe-cialsarereallyabargain.

_____6. Returnbottlesonwhichyouhavemadedeposits.

_____7. Buyseasonalproducesinceit’slessexpensive.

www.aces.edu/urban

UNP-0077

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_____ 8. Checktoseethatpurchasesarerungupcorrectly.

_____ 9. Purchaseyourfoodatlow-costoutletssuchasfarmersmarkets,foodcooperatives,orwarehousefoodstores.

_____ 10.Planyourshoppingaroundweeklyandseasonalspecials.Endoftheweeksalesmaytrimmeatbillsonethird.

_____ 11.Checkyouruseof“conveniencefoods”toseewhichitemsyoucanmakemorecheaplyfromscratch.

_____ 12.Knowwhateachgrademeansformeats.Lowergradesareusuallyjustasnutritiousandcostless.

_____ 13.Clipandusecoupons.

_____ 14.Buylargercutsofmeats,cheese,poultry,andluncheonmeats.Divideintoservings,freeze,anduseasneeded.

_____ 15.Buyproductsbythecasewhensavingsaregreatandyouhavestoragespace.

_____ 16.Compareunitprices.Thecostperounceorperpounddeterminesthebestvalue.

_____ 17.Buysmallersizesofeggsiftheyaremorethan7centslessthanthenextlargersize.Eggsareagoodmeatalternative.

_____ 18.Bringlunchfromhomeinsteadofbuyingit.

_____ 19.Avoidvendingmachinesbybringingyourownsnacksanddrinks.

_____ 20.Useequallynutritiousdryorevaporatedmilkforcookinginsteadofmoreexpensiveliquidmilk.

_____ 21. Useleftoversinsoups,casseroles,stews,andsalads.

_____ 22. Usecookedcerealsinsteadofmoreexpensivesugar-coateddryones.

_____ 23.Planmealsaweekinadvanceandsticktoyourplan.

_____ 24. Preservefoodswhenfeasiblebydrying,canning,orfreezingfooditems.

_____ 25.Avoidsnackfoods.Theyareexpensiveandoflittlenutritionalvalue.

_____ 26.Butterischeaperbytheblock.Divideitwithahotknifeandfreezewhatyoudon’tneed.

_____ 27. Figurepreservingcost.Amoreexpensivemeatorvegetablewithlesswastecanbeabetterbuy.

_____ 28. Plantagardenforlow-costfruitsandvegetablesoranherbgardenforseasonings.

_____ 29.Makeyourownmixesandconveniencefoods.Mixbigbatchesofdryingredientsandsealinindividualcontainersorbags.

_____ 30. Makeyourownbabyfoodandsave.

Section III: 18 Transportation Tips

_____ 1. Carefullyplantheuseofthecartoreducedrivingdistances.Combine errandsandmakeonetrip.

_____ 2. Sellonecarandsharetheothervehicle.

_____ 3. Saveongasandoilbybuyingatindependentordiscountstations.

AlabamaCooperativeExtensionSystem2

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_____ 4. Gooddrivinghabitssaveyoumoney.Avoidsuddenstopsandstartsand reducehighwayspeedtominimumspeedlimit.

_____ 5. Startacarpoolforwork,shopping,andschool.

_____ 6. Keepexpenserecordsforbusiness,medical,andvolunteerworkinaglove compartmentnotebook.Theserecordscanhelpsavemoneyattaxtime.

_____ 7. Checkparkingratesifyoucommutetotown.Youcanoftenpaylessablockortwofromthecenteroftown.

_____ 8. Walkorrideabikeinsteadofdriving.It’sgoodforyou!

_____ 9 Usepublictransportationifavailable.

_____ 10. Alwayslockyourcartoreducethechanceoftheft.

_____ 11. Switchtoasmallercarforsavingsongas,maintenance,andinsurance.

_____ 12. Selectamanualtransmissioninsteadofautomaticonyournextcartolowergascosts.

_____ 13. Buyusedinsteadofnewproductstosavemoney.Theaveragecardepreciatesby50%inthefirstthreeyears.

_____ 14. Whenchoosingausedcar,payanindependentmechanictotest-driveandcheckitbeforeyoubuy.

_____ 15. Whenchoosinganewcarrememberthefancyoptionscanaddalottothepricetagandrunningexpense.

_____ 16. Readyourowner’smanualforvaluabletipsonminorrepairs,maintenance,andrun-ningeconomy.

_____ 17. Regularmaintenanceandseasonalcheckupscaneliminateminorproblemsbeforetheybecomemajortroubles.

_____ 18. Occasionallytelecommutetoworkifyouremployerpermitsit.

Section IV: 29 Housing Tips

_____ 1. Learntodosimplehomerepairssuchasreplacingbrokenwindowpanesand washersinfaucets,repairingdamagedlightcordsandtornwindowscreens,

painting,andwallpapering.Checkout“howto”booksfromthelibrarytohelp youindoingminorrepairs.Ifyoucan’trepairityourself,seeifyoucando partofthelabortoreducecosts.

_____ 2. Planyourowndecoratingusingitemsonhand.Freeclassesonbudgetdecoratingmaybeavailableaswellasinformationfrommagazinesandbooks.

_____ 3. Insulateyourhomeforfuelconservationandcomfort.Obtainalow-costloanforhomeinsulating,stormwindows,anddoors.

_____ 4. Learntotradeskillswithneighborsandfriendssuchasyardmaintenanceforhomerepairsorcarrepairs.

_____ 5. Buygoodqualitypaintforbestcoverageanddurability.Undercoatplustopcoatcostslessthantwotopcoats.

_____ 6. Paintingoutside?Temperatureshouldbeatleast50degreesFahrenheitoryou’llwastepaintandeffort.

_____ 7. Rentorbuy?Ifyoumovefrequentlyorhaveirregularincome,you’llbebetteroffnotbuyingahomeinahurry.

3 200 Tips for Living on a Reduced Income

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_____ 8. Considermovingtolesscostlylivingquartersorclosertowork.

_____ 9 Ifyourincomeislowandyoufeelyouarepayingtoomuchforhousing, investigatelow-incomeorpublichousing.

_____10. Considerrentingaroom,apartment,oryourgaragetosomeone.

_____11. Carryonlyreplacementvalueinsuranceonhomeinsurance.

_____12. Reduceuseofelectriclights.Developthepracticeofturningofflightsthatare notneeded.

_____13. Conservewater.Stopleakingfaucetsandrunningtoilets.Wateryourlawnor washyourcarlessoften.

_____14. Turndownheatandturnupairconditioningwhenleavingthehouse.Usefans wheneverpossible.

_____15. Closeoffunusedrooms.

_____16. Haveafreeenergyauditdonebyyourelectriccompany.

_____17. Checkwiththeelectricandgascompaniestoseeifyouqualifyforanyspecial programs.

_____18. Duringcoldweather,trywearingsweatersandotherwarmclothingindoors andkeepingthethermostatbelow70degreesFahrenheit.

_____19. Inmoderateweather,adjustthermostatsothattheunitwillcomeononlyif needed.

_____20. Purchasewater-savershowerandfaucetheadstomaintainpressure,but reducewaterusage.

_____21. Makeonlyemergencylongdistancetelephonecalls.

_____22. Useakitchentimertolimitlongdistanceandoutofzonecalls.

_____23. Lookupunknowntelephonenumbersinthetelephonedirectoryratherthan callinginformation.

_____24. Planlongdistancecallsandmakealistoftopicstobediscussedtoavoid callingbackrightaway.

_____25. Takeadvantageoflowerlongdistancephoneratesduringeveningand weekendhours.

_____26. Eliminateextraservicessuchascallwaitingandcallforwarding.

_____27. Ifyouhavebothacellphoneandlandlinephone,chooseoneserviceandget ridoftheother.

_____28. Usetoll-freenumberswhenavailable.

_____29. GiveupextraTVcableorsatelliteconnections

Section V: 20 Appliance and Furniture Tips

_____ 1. Multipurposefurnituresuchassofabedsorsit-onstoragechestssaves moneyandspace.

_____2. Choosestandardsizes.Outsizeditemscanbeaheadachetomove,cost more,andcanbelimitedinstyle.

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_____3. Shopsecond-handstoresforgoodqualityappliancesand/orfurnitureatbig savings.

_____4. Trytheclassifiedadsforbigbargains.Peoplewhoaremovingoftensellnice thingsatlowcost.

_____5. Considerunpaintedfurniturethatyoucancustomfinishyourself.

_____6. Makeyourownfurniturepolishbyusingequalpartsoflinseedoil,vinegar, andturpentine.

_____7. Learntomakeslipcoversorupholstery.Adulteducationcoursesofferexpert helpandinstruction.Localtechnicalschoolsmayperformthisserviceatthe costofonlymaterials.

_____8. Forlesscare,chooserugsandupholsterywithdarkcolorsorhavethefabric treatedwhenyoubuyit.

_____9. Watchthecalendar—Juneforfurnituresales,Mayforrugsandcarpets, FebruaryandAugustforbeddingandmattresses.

_____10. Factoryoutletdiscountstoressometimesofferbigsavings.Justbesure you’regettingtheexactmodelyouordered.

_____11. Getridofitemsyoudon’tneed.Sellthemorswapforsomethingyouwant.

_____12. Saveonsmallappliances.Ifyouwon’tuseitatleastfourtimesayearyou probablydon’tneedit.

_____13. Whenbuyingappliancesbecarefulaboutsecondsandirregulars.Scratches don’tmatter,butmajordefectscanberealtrouble.

_____14. Compareserviceaswellasprice.Buyfromadealerwithareputationfor promptservice.

_____15. Regularmaintenanceprolongsusefulness.Preventivemedicineassimpleasa dropofoilcancutdownonrepairsandreplacement.

_____16. Readandsavesalesslips,labels,andwarranties—theymaysavemoneyand headacheslateron.

_____17. Sharethecostsofbig-ticket,seldomuseditemssuchasfloorpolishersor largecoffeemakersbybuyingasagrouporrentingasneeded.

_____18. Replaceorrepair?Manysmallitemsmaybecheapertoreplacethanto repair.

_____19. Checkspecialfeatures.Theymayaddmoretopricethantousefulnessand makerepairsmorecomplicated.

_____20. Brands?Whichisbest?Readconsumerreportsandindependentresearch reports.Askafriendwhoownsone.

Section VI: 34 Clothing Tips

_____1. Checkeachfamilymember’swardrobetodeterminewhichitemsmustbe repaired,replaced,oradded.

_____2. Swapitemsofclothingwithfamilymembersorfriends.

_____3. Helpchildrenunderstandthat“handeddown”clothingiseconomical,less wasteful,andcanbejustasstylishasnewclothing.

_____4. Teachchildrentocarefortheirownclothing.

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_____5. Havechildrenchangetoold,wornclothingforroughoutsideplay.

_____6. Watchgaragesalesforchildren’sclothing.

_____7. Don’toverbuy,especiallywithchildren’sclothesoritemswhosestylemight change.

_____8. Buyclothingthatiseasytocarefor,washable,anddoesnotrequireironing. Avoid“drycleanonly”clothing.

_____ 9. Carefullycoordinateitemsofclothingandaccessoriessothattheycanbe usedwithseveraloutfits.

_____ 10. Launderclothescarefullyandfollowthemanufacturer’sinstructions.Prolongwearwithsmartlaundering.Toomuchdetergentweakensmaterial.Aneconomicallaundry additiveis½cupwashingsoda.

_____ 11. Hanglaundryonaclotheslineinsteadofusingadryerforeachload.

_____ 12. Washfullloadsoflaundryinsteadofpartialloads.

_____ 13. Washincoldwaterwheneverpossible.

_____ 14. Do-it-yourselfdrycleaningisthriftyforcolorfastnonwashablesthatdon’tneed professionalpressing.

_____ 15. Haveshoesolesandheelsreplacedinsteadofbuyingnewshoes.

_____ 16. Sewyourown.Easy-to-makechildren’swearandcasualclothesmaysaveyou 20-50%.

_____ 17. Doyourownalterations—hem,replacebuttons,repairrippedseams.

_____ 18. Shopthesales.Pre-andpost-seasonsalescanofferrealvalues.

_____ 19. Storeclothescorrectlyforlongerlife.Moth-proofwoolensandputcottonsaway unstarched.

_____ 20. Watchyourweight.It’shardtobuildawardrobeifyoursizekeepschanging.

_____ 21. Rentseldom-usedspecialitems.Atuxoraneveninggownarebigexpensesfor limiteduse.

_____ 22. Visitresaleshopsforagoodsourceofclean,low-pricedclothing.Takeyour unwantedclothestoaresaleshop.

_____ 23. Matchqualitywithuse.Spendmostforthebasicitemthatgetsmostwear;spendlessonseldom-wornitems.

_____ 24. Trydiscountstoresforname-brandclothesandshoes.

_____ 25. Buysocksinquantitysoyou’llalwayshaveamatchingspare.

_____ 26. Shopinchildren’s,teens’,andcollegeshopsforadultswhenyoucan.Youmayfindlowerpricesforsimilaritems.

_____ 27. Checklabelforspecialcleaningrequirements.Specialtreatmentisexpensiveoverlongrun.

_____ 28. Choosedarkercoloredouterwearforlessfrequentdrycleaning.

_____ 29. Avoidfashionfads,especiallyinbig-ticketitemssuchascoatsandsuits.

_____ 30. Agoodfitmeanslongerwear,particularlyinshoes,woolens,andhard-to-alter-clothes.

_____ 31. Checkconstruction.Areseamssecure?Doesfabricpatternmatch?Arebutton- fastenerspractical?

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_____ 32. Checkforfibercontent,shrinkage,andcolorfastness.Youmaysavemoneyinthelongrunbypayingalittlemore.

_____ 33. Tryitonwhenpossible.Sizesdovary.

_____ 34. Planyourshopping.Knowwhatyou’reafter.Avoidimpulsebuying—thinkitoverfirst.

Section VII: 5 Beauty and Grooming Tips

_____ 1. Selectstorebrandcosmeticsthatarelessexpensivethannationalbrands.

_____ 2. Learntodoyourownshampoo,set,manicure,etc.,athome.

_____ 3. Cutchildren’shairyourself.

_____ 4. Visittradeorvocationalschoolsforhaircutsandtrims.

_____ 5. Shopatdiscounthealthandbeautysupplystoresforpersonalcareproducts.Theseitemsaremoreexpensiveatgroceryandconveniencestores.

Section VIII: 15 Medical Tips

_____ 1. Preventillness:eatright,getplentyofrest,andexercise.

_____ 2. Followsafetyrulestopreventaccidents.

_____ 3. Haveregularcheckupstopreventchronicailments.

_____ 4. Havearegulardoctoranddentisttoavoidduplicationoftestsandrecords.

_____ 5. Shoparoundforadoctoranddentistwhosefeesarereasonable.

_____ 6. Obtainmedicalcareatpublicclinicsorteachinghospitals.Thewaitmaybelonger,butthecostislower.

_____ 7. Ifyourincomeislowandyouhavechildren,anAlabamainsuranceprogramfor childrenunder19yearsofagemaybeanoption.Youcanpickupanapplicationatapediatrician’sofficeortheAlabamaPublicHealthDepartment.Theinsurance programiscalled“AllKidsHealthInsurance.”

_____ 8. Takefreefirstaid,babycare,cardiopulmonaryresuscitation(CPR),andhomehealthcareclassesfromtheAmericanRedCrossorothercommunityagencies.

_____ 9. Checkhospitalanddoctorstatementscarefullytoseethatyouwerechargedonlyforservicesyoureceived.

_____ 10. Updatemedicalinsurancepoliciestoeliminateduplicationofpaymentssincemostcompaniespayonacoinsuredbasis.

_____ 11. Ifyourincomeislow,seeifyouqualifyforMedicaid.

_____ 12. Askyourdoctortoprescribeandyourdruggisttofillprescriptionsbygenericname.

_____ 13. Avoidnonprescription(over-the-counter)drugsandnutritionalsupplementsunlessyourhealthcareproviderrecommendsthem.

_____ 14. Avoidhealthinsurancepoliciesforspecificrisks.

_____ 15. Becarefulofmiraclepromisesandquickfixcures.Theyusuallyarehighpricedanddon’tliveuptotheirpromises.

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Section IX: 8 Gift and Donation Tips

_____ 1. Checkthecredentialsofapersonsolicitingacharitablecontributionfromyou;checkwiththeBetterBusinessBureauandstateattorneygeneral’soffice.

_____ 2. Makegiftsinsteadofbuyingthem.

_____ 3. Insteadofgifts,giveservicessuchasadultsitting,babysitting,housewatching,orpetwatching.

_____ 4. Givebakedgoods.Everyoneappreciatesandenjoyshomemadegoodies.

_____ 5. Checkwithotherstoseeiftheywouldliketosharetheexpenseofagift.

_____ 6. Donatetimeinsteadofmoneytocharities.

_____ 7. ShoptheInternetforunusualgiftsatlowprices.

_____ 8. Somethingoldmakesaspecialgift.Anattictreasureyoudon’tusecanbejustrightforanantique-lovingfriendorrelative.

Section X: 21 Recreation and Entertainment Tips

_____ 1. Smokinganddrinkingalcoholicbeveragesareexpensivehabitsyoumaywanttoreduceoreliminate.

_____ 2. Takevacationsathome.Dosomethingspecialeveryday.

_____ 3. Exchangemagazineswithfriends.

_____ 4. Checkoutbooksfromthelocallibraryinsteadofpurchasingthem.Manylibrariesalsohaveaudiotapes,videotapes,CDs,DVDs,andcomputersforpatronstoborrow.

_____ 5. Packluncheswhengoingonoutingsinsteadofpayinghighconcessionprices.

_____ 6. Rentorborrowequipmentfornewhobbiesorsportsfirsttomakesureyouenjoyandtogiveyoutimetocomparebrands.

_____ 7. Matineesusuallycostlessandarelesscrowdedtoo.

_____ 8. Purchaseticketsfarenoughinadvancetosavemoney.Checkround-triprates,stop-overs,familyrates,midweekdepartures.

_____ 9. Whentravelingwithchildren,lookforhotelsandmotelsthatdon’tchargefor childrensharingaparent’sroom.

_____ 10. Discoveryourowncityorcounty.Enjoylocalmuseums,zoos,historical attractions,performances,craftshows,orlecturesthatarelow-costorfree.

_____ 11. Travelcoachortouristclassunlessfamilyratesareavailableonlyinfirstclass.

_____ 12. Useatravelagent.Anagentcostsyounothingandoftenknowsofspecialdeals.Orgoonlinetofinddealsyourself.

_____ 13. Tryatrailerforalow-costvacation.Youcanflytoadistantspotandrentonethere,ifyouarrangeinadvance.

_____ 14. Campingvacationsarefunandeconomical,especiallyforafamily.Trylocal,state,ornationalcampgroundsandparks.

_____ 15. Off-seasonvacationsofferhugesavings,andeverythingislesscrowded.

_____ 16. Buildingahideaway?Shellsorprefabsthatyoufinishyourselfofferbigsavings.

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_____ 17. Iftravelingbycar,planononeroadsidecookoutdaythatcanbefun,fast,and economical.

_____ 18. Joinorstartatravelclub.Grouptoursandtripsarereallyeconomical.

_____ 19. Discovertradeshows,fairs,andexhibitsthatareanidealwaytospendmany educationalandinterestinghours.

_____ 20. Busortraintoursareexcellent,low-costwaystoseethesightsandtoavoid drivingworries.

_____ 21. Forfun,low-costparties,try“potluck”orcovered-dishdinnersandprogressive dinnerswitheachcourseatadifferenthome.

Section XI: 6 Child Care Tips

_____ 1. Sharechildcareresponsibilitieswithaneighbororfriend.

_____ 2. Investigatepublicnurseryschoolsanddaycarecenters.

_____ 3. Checkyouremployeebenefitpackage;someofferpartialpaymentforchildcareorapre-taxedoptionforchildcarepayments.

_____ 4. Investigateyouremployer’sdaycarecenter.Askaboutstartingone.

_____ 5. Participateinacarpoolforchildren’sschoolactivities.

_____ 6. Joinaco-opchildcarecenter.

Section XII: 7 Miscellaneous Tips

_____ 1. Ifyouneedlegalservices,contactalegalreferralserviceforthenamesofattorneysinyourareawhooffer“probono”orreduced-rateservicestolow-incomeclients. Online,searchforlegalservices.

_____ 2. Haveanattorneyevaluatealimonyandchildsupportpaymentsinrelationtoyourcurrentincome.

_____ 3. Payyourbillsontime.Latepaymentpenaltiesareveryexpensive.

_____ 4. Avoidpurchasingfromdoor-to-doorsalespersons.

_____ 5. Avoidbuyingitemswhileinthecheckoutlines.Itemsplacedthereencourage impulsebuying.

_____ 6. Setreasonableamountsforchildren’sallowancesandhaveadefiniteunderstandingofwhatthemoneyistocover.

_____ 7. ShoptheInternetbeforeyougooutshopping.Seewhatitwouldcostonline—butdon’tforgettoaddshippingcost,whichcanbeexpensive.Don’thaveaconnection?Trythelocallibrary.

______ Your Grand Total Score

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List other helpful tips to save you money.

_______________________________________________________________________________

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Bernice B. Wilson, PhD, Extension Resource Management Specialist, Alabama A&M University. Originally prepared by Fred Waddell, former Extension Family Resource Management Specialist

For more information, call your county Extension office. Look in your telephone directory under your county’s name to find the number.

Published by the Alabama Cooperative Extension System (Alabama A&M University and Auburn University), an equal opportunity educator and employer.

Revised February 2012, UNP-0077UNP-0077

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