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  #14  
Old 11-30-2004, 12:19 AM
AGDee AGDee is offline
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Join Date: Aug 2003
Location: Michigan
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One way to save that totally prevents you from spending the money is to make sure you're claiming Single with 0 exemptions on your W-4. You get no interest, but if you really can't save any money, do it through tax refunds. Also, look into whether your employer offers I-series bonds. This way, it is taken right out of your pay check and put into a bond which cannot be liquidated for a year.

You do say that you use coupons and grocery discount cards, but do you make a grocery list? I plan my menus from the sales ads that week, buy generics and only buy what is on my list (unless it is an absolute necessity that I forgot to put on the list.. like toilet paper!). I realized that I throw out half a package of ham lunch meat every pay period because my daughter doesn't use a whole package in a week for her school lunches, so this time I separated them into small freezer zip lock bags and put them in the freezer as individual servings. I am doing the same with hot dog and hamburger buns. I realized I was throwing out a lot of food because I couldn't use it all before it went bad. I have cut my grocery bill in half using all these methods. Ditto on what people have said about vending machines or buying pop (soda, coke, whatever) by the singles. Sometimes, using a coupon isn't as good of a deal as buying the generic. Try to use coupons that will be doubled too.
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