Not only do you want to prep your own meals at home, but it is helpful to also make a weekly menu, so they you are only buying what you need for groceries. I’ve never been good at this, and get mad at myself when I have to throw food away because it’s gone bad.
If you’ll use Air Conditioning in the summer months, Turn the thermostat warmer when you leave for work and when you go to sleep at night.
Run errands on the way home from work to consolidate your trips and save gas. Plus it leaves you more free time on the weekends.
Shop the clearance racks and discount stores. They start putting “back-to-school” items on display in July, before the worst of summer has hit, so you can get some decent in-season bargains that way. Also, buying more classic styles that you can wear over the course of years is better than buying trendy looks that look silly the following year or two.
Avoid “Dry Clean Only” clothing items and get garments that you can launder yourself. If you don’t like to iron, then look for ones that are wrinkle resistant… the garment may be a little more at the outset, but you’ll make up the difference in dry-cleaning or time ironing.
Also, I consider time a more valuable resource than money. For example: an ex of mine would get on my case about paying to go through the car wash rather than doing it myself; but the $20 for 5–10 minutes at the car wash vs. 2 hours washing and waxing by hand – and how ever much those products cost – was a reasonable trade off.
Health and beauty products can cost a mint, so try to find less expensive brands the do the job as well. I like the Tresemme hair products as much as Pantene, for example.
And whatever products you do get, try to ration the amount you use as if you were at the bottom of the bottle – there was a recent graphic going around the web about how the first ¾ of the toothpaste tube is gone in a week, and the last quarter lasts for a month. To measure the amount, I count the number of pumps or if in a squeeze bottle or tube, I measure by dime-size, quarter-size, etc. For smaller amounts, like eye or face lotion, I use landmarks on my finger, such as from the second knuckle to the tip.
I also find that items with a pump still have TONS of product left in them once the pump stops picking it up – so I remove the intake tube from the pump mechanism, replace the top and turn the bottle upside down—I can get as much as two more weeks of use from the residual product!
And as noted above with dental – health maintenance is much cheaper than health care, so take measures to develop healthy habits now that will take you through your adult life.Good luck!!