# "It is only a dollar" - Saving money \$1 at a time 2015

It is only a dollar. | Source

## "It is only a dollar."

Countless times I have heard these words from people all around me during my lifetime - "Why not? It is only 1 dollar." (Or Peso, Pound, Euro...)

The goal of this Hub is to teach you how to \$ save \$ money \$, one dollar at a time. Yes, one dollar at a time. Let's begin this training session now.

Your time is "worth the money" you will save.

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## Saving money - Drinking coffee.

• Stop buying coffees at Starbucks and Dunkin Donuts. I recommend making coffee at home to bring with you to work, running errands, or before you leave for an enjoyable morning event. However, if you cannot make coffee at home at a given time -- or need a caffeine burst around 3pm when you are dozing off at your desk or workstation at work -- please use a coffee travel mug and buy a coffee refill.

Note: Coffee refills are MUCH cheaper than buying a "regular" cup, and do not forget to ask about a punch card by which you can get a FREE coffee via a Buy 5 Get 1 Free, or Buy 5 Get 1 Free Card. Practice frugality, and you will have \$3.00 - 4.00 per day on coffee, and 50 cents/day on refills.

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## Saving money - Cancel your Bank of America account & debit card.

• Eliminate Bank of America by December 2011 - Are they crazy? Bank of American is going to start charging customers \$5.00 for use of their Debit Card. \$5 / day translates to \$16.67 per day - just to gain access to YOUR money. You can save \$16.67 / day by switching to Credit Union, smaller local bank, an on-line bank where they still offer FREE CHECKING.

Money you are wasting: \$5.00/month = \$60.00 per year.

\$60.00 per year * 10 years = \$600.00 of your hard-earned money *poof* GONE!

To do: Please research your options and DO NOT pay a bank a \$5 monthly charge just to use your own hard-earned money!

Update 11/9/2011 - Bank of America has relented on charging a \$5.00 fee - but if you have already switched to a Credit Union or Local Bank, do not go back to BoA. Great job!

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## Saving money - Children.

• Make their own snacks for school (instead of buying pre-packaged snacks) - i.e. buy larger boxes of crackers & peanut butter to make peanut butter crackers instead of buying the more expensive, individually wrapped ones. Buy generic sandwich bags - \$1.50 for 150 bags!

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## Do you try to save money each day using baby (small) steps?

See results without voting

## Saving money - Gas/petrol.

• Group their rides and activities together - Save gas as much as you can. Figure out your routine, what you normally buy, and time your trips. Only you know your spending habits, favorite grocery stores, pharmacies you shop at, etc. Also, do not shop sporadically - plan to save!

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I have not bought a weekly newspaper in years. To save \$1.00/day, read a newspaper online

Here are some suggested websites for great newspapers (and other news outlets):

\$1.00/day in savings = \$365 per year!

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## Money pet money saving tips

Another Hub ~ Saving money taking care of my dog 2011~ from Marlo

*Click on the link above for more great money saving tips for pet expenses.

## Saving money - Wash your dog.

C'mon, do you really need to bring Fido to the groomers?

• At roughly \$30.00/week, you can save \$120.00/month by giving your dog a bath. Dog shampoos are relatively inexpensive at 800-Pet-Meds or PetCareRX.com versus a brick-and-mortar store like PetCo.

(PetCo shampoo is twice as high.)

Suggestion to save more money: Go to PetCareRX.com and sign-up for their emails and each day, you will receive a FREE offer for a "DEAL OF THE DAY" where you will get a FREE dog toy or healthy dog biscuits for FREE! Google "PetCareRX.com online coupon codes" or look for \$5.00 or \$10.00 coupons in your Sunday Newspaper for more savings.

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## Saving money calculations

If you start by taking baby steps (small steps) and save \$1.00 / day, that will translate into \$365.00 per year.

Then look at the big picture...

By saving \$1.00 day -->

• \$1.00 * 365 days = \$365.00
• \$365.00 * 10 years = \$3,650.00

By saving \$2.00 day -->

• \$2.00 * 365 days = \$730.00
• \$365.00 * 10 years = \$7,300.00

That is a lot of money you can save, starting with saving \$1.00 (or \$2.00 if you can) per day!

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I welcome your comments on saving money, \$1 (or pound) at a time.

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## More by this Author

kerlynb 5 years ago from Philippines, Southeast Asia, Earth ^_^

Makes sense. Even if it's small, it adds up and becomes big!

Wow, this hub reminds me of a book I read two years ago. A finance guru in my country wrote that we Filipinos should keep coin banks at home and put our coins in our coin bank each night. I first thought this was such a trivial tip about personal finance but looking at your calculations, I'm now convinced.

MarloByDesign 5 years ago from United States Author

kerlynb, thank you for your comment! I appreciate your understanding and a coin bank sounds like a great idea too. (By the way, I do not see the USEFUL rating.) Thanks again.

BkCreative 5 years ago from Brooklyn, New York City

I love how you laid this out and for sure get rid of BofA. Young people are shocked when I tell them that I used to have a savings bank account that paid 8% interest (of course this was nearly 40 years ago) - and now banks want to charge you for letting them use your money!

Yes, save that \$1.00 - it's just good practice. Since we do so much with debit/credit cards and automatic payroll deposits we seldom handle money and I think forget that we are losing total control.

You have inspired me because right now I am going to put \$1.00 in my safe - and tomorrow I will do the same thing. Then (alas) I will earn no money from my writing (like hubpages) until the 20th at which time I will put another dollar in the safe. I may not do it everyday but as soon as I get some money I will do it.

Thanks a million\$\$\$ for such a well done hub. Yay! Rated up and more!

MarloByDesign 5 years ago from United States Author

BkCreative, thanks for your comment and I also added a calculation to show my readers how much they are wasting paying the Bank of America debit card \$5.00 fee. Great idea to save your money!

Millionaire Tips 5 years ago from USA

I agree with you - those dollars certainly do add up. Thank you for being my first commenter. I would appreciate any tips and advice on this platform.

stephaniedas 5 years ago from Miami, US

Great advice, and so relevant. Voted up and useful.

MarloByDesign 5 years ago from United States Author

Millionaire Tips - You are most welcome.

stephaniedas - Thank you.

dahoglund 5 years ago from Wisconsin Rapids

"a penny saved is a penny earned," or a dollar in this case. When I was working we had "coffee clubs" where we paid a dime a cup.The dimes go back into buying coffee and supplies. gourmet coffees I suppose we be more expensive.The only dealings I have with BAnk of America is that they bought up my mortgage. They are always sending me mailings to take out a credit card. I keep two credit cards, one for household expenses and another for any kind of business expenses.voted up and shared

Kristine Manley 5 years ago from Atlanta, GA

This is a wonderful Hub! You know, I forgot about reading the newspaper online - thanks for the reminder. I empty out change from my purse on a daily basis into a box. One year I saved almost \$400.00 in change. Voted up.

Becky Katz 5 years ago from Hereford, AZ

I am staying with BofA. They do not charge these fees with us because we have direct deposit. They charge no fees at all.

I do save money by not eating out all of the time either. If you do not have time to cook, go to a cafe or something like that. Many of them have meal deals which give you your choice of a meat and 2 or 3 veggies for \$5. That is not only less money than fast food but is a lot better for you. And you get waited on. More for your money.

Our electric bill is usually a lot less than anyone else' in our area. We bought the curly light bulbs and replaced them all over the house. Our bill dropped \$40 the first month. Saved. Good hub and saving is how I get by. Have to know it all when you're on fixed income.

MarloByDesign 5 years ago from United States Author

dahoglund - Coffee clubs sound like a great way to save money!

Kristine Manley - \$400 is a lot of money to save. Way to go!

Becky Katz - I am glad BOA is good to you. I agree about cafe prices, very affordable. And great job on your lower electric bill. I am proud of you.

Victoria Lynn 4 years ago from Arkansas, USA

I do most of these except for the free dog treats and toys. I need to sign up! I don't buy coffee away from home. Ya know, I have NEVER been to a Starbucks. LOL. Great hub!

MarloByDesign 4 years ago from United States Author

Thanks for your note Victoria! Keep up the great work.

FanUSA 3 years ago

Excellent post and good advice. I might add - I know of friends who are carrying credit card balances (paying 25% interest P.A.) while at the same time putting money into CD's at 0.5% P.A. My advise to everybody - NO credit card debts - EVER!!

DonnaCosmato 2 years ago from USA

Good ideas, I confess I've been guilty of using the "it's only a dollar" excuse. Thanks for a clever reminder of how costly that one dollar can be over the long term.

ezzly 2 years ago

Fantastic hub, and I couldn't green more on wasting money on overpriced coffee that is after all 90% water. Thanks for sharing your tips, voted up .

CrisSp 24 months ago from Sky Is The Limit Adventure

Great, awesome tips! I save money by making my own tea/coffee in the house to take it with me out and I teach my daughter the same way. I also wash my own car instead of paying for it. I do better in polishing and vacuuming it anyway. :)

Voted up and sharing the goodness of this hub.

MarleneB 24 months ago from Northern California, USA

This hub is right up my alley. I'm all about saving money and your suggestions are very valuable. I miss reading the local newspaper, but never thought about reading it online until now. Thank you so much for your ideas.

billybuc 23 months ago from Olympia, WA

I suspect there are a good many people in the U.S. who need these suggestions. Now, will they follow them? I've written often about living the frugal life. I just hope I can convince others of the wisdom.

Peggy W 22 months ago from Houston, Texas

Little savings add up to big savings over time and people do not often realize how they spend their money. Having a budget helps! Your suggestions are good and so are some of the ones made in the comment section.