Save your pennies, Save yourself

Say YES to all things FREE!!
Say YES to all things FREE!!
Coins add up faster than you think!
Coins add up faster than you think!

"What's a soup kitchen?" ... Paris Hilton

If you are as financially comfortable as can be and living like Royalty, skip this hub

To quote Aristotle: "Men are divided between those who are as thrifty as if they would live forever, and those who are as extravagant as if they were going to die tomorrow."

You're still reading, so you must be like the vast majority, hanging on for dear life, through this global, economic tsunami. You know you've heard it all and believe you've tried it all...."ways to stay afloat," that is. Nevertheless, I'm here to throw you a lifeline, FREE of charge. Lesson #1: Never say, "No," to FREE.

Much like you, I resent the phrase, "we have to cut back." It makes us cringe. Just how much more can we give up, or corners can we shave or pleasures must we abandon?

OK, I'll be the bad guy and give the answer. PLENTY. Calm down and stop the groaning. This will be nearly painless. The focus is on little things, baby steps and picking up the coins on the floor. With a bit of effort, common sense & creativity,you're on your way to a fatter wallet.

Your new Mantra..."Save Everywhere I can, Every time I can..." Situations and occasions to SAVE, are endless. You only need to pay attention. So, clear your mind by purging your conscience and simply ask yourself two questions.

1. Am I a shop-a-holic or binge-spender whose habit is out of control?

2. Do I give in to whims and wants or allow myself to be drawn into advertising razzle-dazzle?

Is that a YES to either or both? Time to take the pledge:

" I accept that my shopping/spending sprees must end today. NOW, not tomorrow. I hereby vow to myself and family, to snap out of my haze and GET REAL about saving as much as I can, as often as possible."

Congratulations, you're off to a great start. Keeping this pledge is as easy as 1-2-3.

NEVER choose to go shopping, simply for something to do or to pass the time. Opt for productive, healthy, CHEAP activities instead. Take a walk, read a book, clean out a closet or take a nap.

Toss out every catalog that arrives in the mail, stay OFF the shopping Network and away from on-line stores. Out of sight, out of mind. If you don't need it to don't need it. (At least, for the next year, as a trial period) Give yourself a fair and reasonable chance to reap the benefits.

While it seems that everyone around you is running amok at the Malls, buying more stuff and collecting new junk, keep on smiling and stuffing your mattress. Leave the shop-a-holics to their temporary highs and the crash and burn of buyer's remorse. Give your piggy bank a big fat kiss, and go on about the business of better days to come.

American Journalist & Educator, Max Lerner: "In our rich consumer's civilization we spin cocoons around ourselves and get possessed by our possessions."

STOP! Don't throw that out!

You know where I'm headed here. Your own home or apartment is loaded with potential attainable cash. Everywhere you look, you should see dollars and cents available to line your pockets. A thorough inventory is in order and there's no better time than today.

All clothing, in good condition, clean & pressed, that has been in your closet long enough, can be taken to your local consignment store, displayed in a yard sale or sold via advertising. From the pile headed for the trash, snip off all buttons to save and depending on the fabric, cut into cleaning rags. Use, use and re-use. This same process pertains to household items, toys and jewelry. Any amount earned this way, $50.00 to $150.00, it's your your pocket or in the trash?

Celebrity, Actor, Comedian, Will Smith: "Too many people spend money they haven't earned, to buy things they don't need or want, to impress people they don't like."

The Lightning Round of Saving Tips

Make use of your local library or swap with a friend, rather than buying every book you'd like to read. Take 40 minutes and $4.00 and MAKE that birthday cake instead of ordering one costing 5x's more. While you're at it, cut, paste & create a card.....more of a personal touch as well as a savings.

Adopt the habit of keeping all lights off in every room but the one you're in. Setting up or down just 2 degrees for heating and cooling, saves $$$ every month. Carpool at every opportunity. Offer and accept children's hand-me-downs and keep them circulating as long as they last.

.Dry laundry outdoors. Buy your kick-around clothes from Goodwill......donating to charities is an added bonus. Do your research, compare prices, guarantees and return policies......look for sales, rebates, discounts and coupons.

Buy perishables only in amounts you know you'll use BEFORE expiration dates......and NON-perishables on special and in bulk. Keep a gallon of white distilled vinegar on hand at all times.....Terrific as a cleaner, degreaser and disinfectant. 90% of hard surfaces, floors included, are better cleaned with White Vinegar & water solution than any expensive, harsher liquid cleaner.

Always read the white "unit pricing tags" on the shelves, below the products....not just the price tag on the item!

Remember to relax and have fun. Entertain friends & family with dinner or a BBQ at home, and when they ask what they can bring, graciously take them up on that offer.

Extend the life of your wardrobe by washing and drying according to instructions, mending or pressing when needed. Keep formal wear hung and protected with plastic bags. Polish shoes & boots and condition them against the elements....keep them dry and aired out.

Take full advantage of local FREE clinics for screenings and vacinations. This goes for Fido too. Every city and town has an annual FREE Rabies Clinic.

Always check your receipt and count your change, immediately after a purchase. Keep all receipts safely tucked away, for possible returns!

Ask to see the CAR FAX! Be sure to READ THE FINE PRINT. Simplify, modify & beautify the inexpensive way whenever possible........use your talents, avoid the's all quite simple and proven by many to improve your CASH health.

If you live in an area that charges a 5 cent deposit on cans and bottles, please don't tell me that you toss them out rather than return them for your deposit. Also, don't tell me you don't know anyone who does that! A whole lot of people just can't be bothered to carry these cans & bottles back to a store for refund. The clear deduction here is that they are literally throwing nickles into the trash, right? If you're one who can afford to simply toss your coins into a trash barrel, why are you bothering to read an article about saving money? Look friend, even if you buy only a 12-pack or two of soda or beer in a month, isn't that $7.20 - $14.40 per year? Please, at least give these returnables to someone else who could benefit by those few dollars. I know you have witnessed individuals walking along, bag in hand, picking up these cans & bottles. Do you realize this is probably how these people eat from day to day?

I've done my good deed and shared my tips. If you knew much of this already, call this a "reminder" I trust you'll find 50 to 100 dollars of "bonus" money at the end of each month ......In just one year, you've done a great job of collecting those coins!!

American Humorist, Evan Esar: "The Mint makes it first, it's up to you to make it last."

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fpherj48 profile image

fpherj48 11 months ago from Beautiful Upstate New York Author

I get so overly happy when I find an incredible deal! Have been searching for and pricing bed frames everywhere. I found prices ranging from low of $50 all the way up to $200 for "adjustable, extra sturdy' with additional cross bars, etc.

Well, I happen to stop into a Goodwill and lo & behold, there I found one of the "expensive" frames for.................$11. !! I am psyched. It feels so good to get one over on those who overprice products!! LOL

fpherj48 profile image

fpherj48 23 months ago from Beautiful Upstate New York Author

Good habit to have peachpurple!! Everyone should recycle!

peachpurple profile image

peachpurple 23 months ago from Home Sweet Home

I admit, i keep everything that had been used and empty, eally useful when i turn them into spmething else

fpherj48 profile image

fpherj48 3 years ago from Beautiful Upstate New York Author

And YOU reap the rewards! It is a habit that gets worse and stronger as time goes by. I think it's because after a while, as we actually SEE that we are saving and being Financially wise & budget-conscious, it's starts to feel like a game of challenge.....I know I'm always looking to out-do myself!.....I saved XX$$ last month.....let's see how far I can stretch it this month!!......Good to see you GF!

Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL

I'm still a nifty, thrifty kinda girl...even more so! ;)

fpherj48 profile image

fpherj48 3 years ago from Beautiful Upstate New York Author

Thelma.....Thank you for stopping by... Yes! walking is very healthy...and no need for $4.00 per gal of gas!....You sound like a very sensible shopper/saver. Good for you!

Thelma Alberts profile image

Thelma Alberts 3 years ago from Germany

I like what Will Smith said. He´s right. I save everywhere I can, too. Always looking somewhere and something to save without being thrifty. Why do I have to buy something expensive when I can buy somewhere cheaper than the other shop? I might have to walk, but isn´t walking healthy? Thanks for the great advice. I enjoyed reading this. Have a lovely weekend!

fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

I eat, sleep and breathe that Mantra......For many years my friends have referred to me as the "Money Magician." They weren't always that nice or used to be "Penny Pincher," "Cheapskate"......"Old Miser"......and Ha ha ha ha.........I would just smile, because I KNEW one day they would see the wisdom of my ways. They are ALL very sorry that they didn't pay attention and learn a few things, free of charge from me..........Now that they all are begging for the "system"...I tell them it's $99.00 for the packet!!!!.........ROFLMAO. Thanks, M.T.

Millionaire Tips profile image

Millionaire Tips 4 years ago from USA

I love my new mantra, "Save Everywhere I can, Everytime I can..." I try to avoid stores and shopping experiences whenever possible, but with holiday shopping it is really tempting to get more than I need. Voted up.

fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

Congratulations to you and hubby for thinking smart and acting wisely! You get the benefits of the cents from sense!.....We come to realize what we can easily do without and all that truly matters.

sgbrown profile image

sgbrown 4 years ago from Southern Oklahoma

I have always been a fairly frugal person, but when I was "downsized" in 2010, it reduced our income by more than half. I sold my SUV, that was paid for, took that money and paid a few thousand dollars for a good used car with better gas mileage and used the extra money to pay of some other items I was making payments on. I have always done my own nails and I think a pedicure is a treat, not a necessity. We have a friend that is a hair stylist. Hubby works on his truck whenever he needs it and he cuts our hair for free. Last year I decided to let the gray shine through! I worked hard for all these gray hairs!

Your advice is awesome and useful. Voting this up, useful and sharing! :)

fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author


Thank you......I'm happy you came to visit and liked my hub!!

El Seductor;

Excellent advice and I thank you for adding this suggestion to my hub!! Peace!

ElSeductor profile image

ElSeductor 4 years ago

Great hub! Voted up and useful.

I have found that one of the best ways to save is to make yourself a creditor. For example, when you sit down to pay bills, make sure that you are paying yourself. If you have a list of credit cards that you pay every month, make sure you write a check to yourself (or your IRA - if you do not have one, open one), or transfer money every month to a savings account and forget about it. Before long you will see the balance increasing. The trick is to not use these funds and only as a last resort.


Felicia Carrillo profile image

Felicia Carrillo 4 years ago from New Mexico

AWESOME!!! I really enjoyed this article!

fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

Alancaster...Hi there! Haven't shared a chat with you in a while! I am in full agreement to saving ....pennies, dollars.....just be consistent and do what comes along. Never say "No" to free.....and never buy new when you can do well with used....Thank you so much for this interesting info...

alancaster149 profile image

alancaster149 4 years ago from Forest Gate, London E7, U K (ex-pat Yorkshire)

Further to the saving movement: Some Tesco stores have large, mechanised recycling plant that take glass and plastic bottles as well as aluminium drinks cans and other recyclables. The cans, when fed in fetch a point per pair of cans, equivalent in spending to £1 per 'brace' of two. I pick up the odd can in the street on the way home from buying my morning paper. I don't buy that many cans myself but a weekly 'haul' of eight or ten cans gets taken when I do our weekly shop. As we used to say when playing chess in the breaks at work (when I worked in advertising accounts for the Daily Telegraph on Fleet Street), 'Points mean prizes'. They do, as accumulated points add up to £££'s in the pocket each quarter.

fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

nanderson.....Absolutely useful.....every penny really DOES count, no matter how old and over-used that statement is. It's too easy to go unnoticed when it's spent a few dollars at a time......we think, "No big deal,".....but keep doing that for a couple months and you've blown a couple hundred bucks on........What? On something so unimportant and insignificant, we don't even remember what we bought. Then, we really miss that $200!!!!

nanderson500 profile image

nanderson500 4 years ago from Seattle, WA

Good tips! Definitely useful for most people, including me.

fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author





Thank you for stopping by for my Saving Tips and congratulations for being sensible when it comes to dollars and cents! We are the ones who benefit in the end.....and as we are all aware, these economic times is no time to be lax about our money! Thrift shops have much more than people think. It's time to start stopping by and browsing for what you need!

Glimmer Twin Fan profile image

Glimmer Twin Fan 4 years ago

Great hub which is so pertinent to today's climate. I never buy new books anymore. Yard sales and used book sales are great sources for 50cent paperbacks! Interesting!

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ignugent17 4 years ago

Enjoyed your hub! I liked the mantra " Save Everywhere I can, Everytime I can. " That is so neat. I agree with Will Smith the people just clothes to show off. Thanks !

MissyGear profile image

MissyGear 4 years ago

My worst habit is walking around the mall when I'm bored. I don't buy anything often, but that want is always there. And when I do end up buying something, it's something I don't need at all! My boyfriend doesn't think he's bad because he just spends a couple bucks at a time, but he doesn't realize how much he does it!

jainismus profile image

jainismus 4 years ago from Pune, India

Great Hub, a Must Read for everyone.

fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

There's an incredible feeling of liberation by simplifying our lives...especially thinning out all the material "stuff!"

Peanutritious profile image

Peanutritious 4 years ago from Cheshire, UK

Wow! Did I need to read this! I've never been so poor in my whole life! I work as a volunteer deputy manager in Oxfam and buy clothes now at a fraction of high street prices. I would never ever buy full price clothes again. I have learnt to be more frugal these days but it's not always easy! I used to fritter away cash like there was no tomorrow when I was teaching. We all have far too much these days and that does not sit comfortably with me knowing that so many in the world are starving.

fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

PegColes17..............Yes you said it! and it's true. Will Smith's quote is a good one!! I know a whole lot of people that do exactly that!!

Thanks for stopping by.

PegCole17 profile image

PegCole17 4 years ago from Dallas, Texas

Self control and moderation; oooh and dare I say it? Discipline. I love the quote from Will Smith. Fabulous.

fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York Author

Kommandant....Good for you!! Having self-control is a big deal....saves a whole lot of foolish impulse spending!! Don't ever change that. Thanks for the read and the follow!

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Kommadant 4 years ago

Great advice. I sometimes go to stores to just look around, luckily I am cheap by nature so I don't really have the desire to purchase anything unless I think about it for a long time.

alocsin profile image

alocsin 4 years ago from Orange County, CA

Good advice here. I think we'll experiment with drying laundry outdoors because it's usually sunny out here in Southern California. Voting this Up and Useful.

alancaster149 5 years ago

I dare say a lot of these expressions went with the Mayflower. Apart from Boston or New York - being full of 'Paddies' - they'd be all around New England.

fpherj48 profile image

fpherj48 5 years ago from Beautiful Upstate New York Author

Hi there, alancaster149...A lot of creative ideas going on from "the other side of the pond!" There you go again with those fascinating ENGLISH"cock a snook." That's hysterical! Love it.

alancaster149 profile image

alancaster149 5 years ago from Forest Gate, London E7, U K (ex-pat Yorkshire)

Another nice piece of work. We've got a few chain store saving schemes this side of the 'pond'. One store you might have heard of is Tesco, who run 'Clubcard', where you get points per pound sterling spent in store or for re-cycled aluminium cans deposited in their recycling plants at selected stores. On certain 'spends' you get some vouchers for multiple points on some goods, others for £10 or £5 off shopping. It could be argued the prices are too high in the first place, but there's fierce competition for customers here so prices tend to nose-dive on some goods. And then there's the range of 'stores own' goods, like 'market value' on greens and fruit that are priced below other ranges. It's an art form saving. There's also the Co-op (Co-operative Wholesale Society) that offers a discount card. The playing fields are uneven usually, with the giants (such as Walmart who own Asda over here, and Tesco) at an advantage with bigger fleets of home delivery trucks and articulated lorries (you call them 'rigs') than the others. Some stores like Waitrose cater for 'middle class' incomes or those with pretensions and who think of Asda/Tesco/Co-op or Morrisons as 'common'. There are those who cock a snook at saving.

fpherj48 profile image

fpherj48 5 years ago from Beautiful Upstate New York Author

Good luck saving those pennies, Ken. You won't believe how quickly they add up....but WRAPPING takes forever!! lol

kenneth avery profile image

kenneth avery 5 years ago from Hamilton, Alabama

Hi, fpherj48, LOVED THIS HUB! And you made a lot of good sense too. I am going to start saving all my spare change for someday, I will be able to buy my own website. Thanks for sharing your talent.

forexpulse profile image

forexpulse 5 years ago from Califorrina

Hi, thanks for sharing this very good articles

fpherj48 profile image

fpherj48 5 years ago from Beautiful Upstate New York Author

Thanks Sharyn....and I totally agree w/ your comment about using easy tips whether we're rich or poor!! There's always that "rainy day" never expected!

Sharyn's Slant profile image

Sharyn's Slant 5 years ago from Northeast Ohio USA

Really great tips here fpherj48! Some are so simple and should be done no matter how much money we have. Why give it away to someone else? The economy has hit me hard and I'm still fighting through it. Every penny saved makes a difference. Great hub!


fpherj48 profile image

fpherj48 5 years ago from Beautiful Upstate New York Author "soapbox" worries. The way I see it, we've earned the right to express our frustrations now and then! It's GOOD to vent.

fpherj48 profile image

fpherj48 5 years ago from Beautiful Upstate New York Author

DzyMsLizzy...Thanks for stopping by. I will read your hub today! Any and all advice/suggestions in this category are welcome. I love the challenge of beating back potential our SAD economy.

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marellen 5 years ago

Sorry, I didn't mean to get on my soapbox but it does get tiring trying to make ends meet. You have some great suggestions and advice....:)

DzyMsLizzy profile image

DzyMsLizzy 5 years ago from Oakley, CA

Good job--along the lines of my hub on saving money, but you've added in the bits about selling off unneeded stuff to gain extra cash..(I'm in the process...but in a down economy, there are also fewer buyers... :-( )

You can safely go window-shopping. The trick is, only take a couple of dollars (literally) with you, and leave your plastic and checkbook at home. A family friend of ours used to go downtown and window-shop just for fun. As she put it, "I'm just going to go downtown to get in people's way." LOL

fpherj48 profile image

fpherj48 5 years ago from Beautiful Upstate New York Author

Marellen....On the positive side, you're a member of a huge and increasing mass of folks. It DOES get tiring attempting to make $$$ s t r e t c h. Maybe Will was referring to his wealthy celebrity cronies? I certainly don't know many people who try to OUT-DO one another. Most are quite busy SURVIVING! Thanks for your input, marellen. I always appreciate!

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marellen 5 years ago

Informative hub and I live payday to paycheck. I have learned to manage the money we have and I'm sick of it. I would love to be financial secure not rich. I love the comment Will Smith (of all people)would or could say something like that when he has all the money and more. I wonder how much he has to save? None....

Your hub was really on the mark...there is so much we can individually do to save. I like your advice and voted up.

fpherj48 profile image

fpherj48 5 years ago from Beautiful Upstate New York Author

Victoria Lynn.....EXACTLY! Coming up with ways to save more money IS a challenge and can be fun. I believe you'll realize that hope of early retirement. Go, girl!

fpherj48 profile image

fpherj48 5 years ago from Beautiful Upstate New York Author

Jaye....I get the subtle hint that you have thoroughly embraced retirement....and rightly so! You earned every moment of it. Thanks for stopping by.

JayeWisdom profile image

JayeWisdom 5 years ago from Deep South, USA

Good reminders that most people can use, especially those of us who are retired on less income than we once enjoyed.

Since I no longer have to dress for an office, I live in tee-shirts and capris (summer) or long-sleeved tees and jeans (winter) around the house. Doesn't matter to me when they get faded from washing. In fact, they become softer and more comfy with age. Unexpected visitors know they have to take me as they find me! I probably have enough shoes stored in my closet to last me for the rest of my life! I don't wear my dressy clothes much, so they will last longer. Believe me...not needing to buy clothes is a real boon to the budget! (Of course, I realize this won't work for those of you who must still go to a "regular" job every day.)


Victoria Lynn profile image

Victoria Lynn 5 years ago from Arkansas, USA

LOve this hub! Voted up, useful, and awesome. I do most of the things mentioned, as I am also a nifty, thrifty gal! I like to find ways to save money. It's a challenge. Instead of blowing money on stuff, or just shopping for no purpose, I like to save money for the things I really want or need--and I hope to one day retire early. Thanks for this hub. More people should follow your advice.

Sunshine625 profile image

Sunshine625 5 years ago from Orlando, FL

You know me too well my friend :)

fpherj48 profile image

fpherj48 5 years ago from Beautiful Upstate New York Author

Thank you, dear Sunshine....and especially for the added tip. How do you suppose I KNEW you'd be a nifty thrifty kind of gal?? Yes..Will sure hit the nail on the ole head!

Sunshine625 profile image

Sunshine625 5 years ago from Orlando, FL

EXCELLENT, resourceful information!!! I'm a nifty, thrifty kinda gal. For music, book and movie lovers I suggest the local Goodwill or yard sales! You won't have the latest novel, CD or movie BUT you will save tons of bucks! I appreciate Will Smith's comment, he's so genius!! VOTED UP/Useful and Awesome!!

fpherj48 profile image

fpherj48 5 years ago from Beautiful Upstate New York Author

"Forced" seems to be a widespread & unwelcomed position many of us have awakened to find ourselves in.....but as we know, the nightmare doesn't get better if we go back to bed. We need to remain wide awake to make our dreams come true. You certainly always know what TIME it is! Thanks for visiting

jaykatt profile image

jaykatt 5 years ago from Covina, California

Great hub and very pertinent to MY situation. Although the economy and certain personal developments have FORCED me to change my spending habits, your hub reminds me that help is at my fingertips, such as, the cash tied up in the $200 worth of clockmaking hobby tools which I no longer use because I have too many...clocks!

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    Paula (fpherj48)848 Followers
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    Paula has freelanced for nearly 40 years. She has a passion for her forte of Behavioral Science & continuing education in this field.

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