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How to Simplify your Living Expenses

Here's the thing: I'm a New Yorker. And you won't be able to tell the difference
in New York, it is amazingly difficult and that can save you $20 a month.
NOT to spend a lot of money, just on the - If you switch to broadband, don't keep
basics! As a student of Harv Eker, I am your dialup (unless you travel often
trying to limit my expenses to 50% of my outside the country or in rural areas).
after-tax income, and I have to tell you, Also, drop paying for AOL. All AOL
that is really hard to do. Harv isn't the features are free if you have broadband.
only one to suggest this either: almost Entertainment
every money-management guru gives the If you really wanted to be extreme about
same advice. Simplify your expenses. it, you could cut entertainment out
The fact is, if you want to become altogether. But that's not really
financially free, you must do two things: practical, so here are some ideas.
increase your passive income and decrease - First, if you think FREE, you may not
your expenses. Once your passive income get free, but you do end up with "cheap."
is equal to or greater than your Cheap doesn't mean less fun, either.
expenses, you are financially free. The Sometimes you can have MORE fun.
concept is simple enough -- and in other - If you live in a city, just try walking
articles I address creating passive around. In New York, I have found
income (the easiest and fastest way to do impromptu concerts by street musicians or
this would be by renting your rooms). But just sat in the park and people watched.
how do you simplify your expenses? You'd be amazed how much fun you can
Especially when you look around and you have!
don't see a way HOW? Here are a variety - Instead of eating out or going to bars
of ways you can still live a decent life with friends, host a potluck at home or
and be a bit more frugal at the same just have friends over for drinks. It's
time. much cheaper to buy liquor than to buy
Food & Toiletries drinks at the bar.
- By far, making lunch at home was one of - For movies, go to matinees or the $2
my biggest savings! I made lunch and movie (some communities have them). Yes,
snacks and bought them to work. those movies are second-run, but hey,
- Instead of buying shower gel, go back it's worth financial freedom to me. You
to soap bars. They last longer and are can also always rent movies.
much cheaper. - Cable. When times are tough, the cable
- Don't wash your hair every day, and needs to get going. It can get so
when you do wash your hair, only wash it expensive! If you do need it for the
once. That saves lots of shampoo. reception, get basic and then rent
- I made my own coffee at home -- or cut movies. Buying a great DVD player and
it out altogether and put that money renting movies is cheaper than cable in
aside in your financial freedom jar. One the long run. If you rent rooms in your
guru calls that the "latte factor." home like I do, keep the cable -- it's a
- As a nation, we eat out a whole lot perk for your tenants that are worth
more and buy convenience foods to just paying for.
heat in the microwave -- but these can be - Take your kids to the bookstore and
expensive. Cooking may take time, but it hang out.
does save you lots of money. - Find free community shows, like
- Buy generic! I was so opposed to this, Shakespeare in the park or fireworks.
and one day I ate some potato chips that - Take the kids on the subway trip -- as
my boyfriend bought. Seriously? They far as you can and go explore. In New
didn't taste different from the name York, take the train to Coney Island.
brand. Try it. Ok, some things may be - In the summer, there is always a local
non-negotiable, but you'd be surprised food festival or street fair.
what is. Your grocery bill will go way - Get your kids involved in a community
down. group, like a theatre. They develop
- Take the effort to cut coupons, take skills, make friends and have fun.
advantage of sales, and go to discount Clothing
warehouses, like Sam's Club or Costco. - For kids, don't go over the top with
Heat & Electricity the brand names, especially since the
- If you don't already have one, get an kids will grow out of them quickly.
electric thermostat with a timer, so you - For adults and older teens, don't buy
can change the temperature automatically really trendy clothes that will only last
during specific times of the day. Lower one season. Buy classical fashionable
the temperature when the family is out of clothing that will last, and get trendy
the house. with accessories.
- Use space heaters and lower the heat in - Buy shirts and ties or blouses and just
the rooms you use. Use an electric one suit -- accessorizing is cheaper.
blanket at night. - Buy a few pieces of quality clothing as
- There is plastic covering you can get opposed to lots of cheap clothing. They
at the hardware store and cover your will last a lot longer.
windows. That keeps the heat in the - This goes without saying, but buy
house. clothing in the off-season and on sale.
- Make sure your boiler and hot water You will save a tone of money.
heater are maintained properly. Transportation
- Wear layers of clothing and keep the - A gas saving tip I just learned: put
heat lower. your car in cruise control whenever you
- Use kitchen and bathroom vents can. It has cut my gas bill in HALF.
sparingly in the winter - If you live in a metropolitan area, try
- Replace regular light bulbs with walking around the city as opposed to
compact fluorescents taking a bus or a train. In New York, you
- Wash laundry in cold or warm instead of can even get there faster sometimes! :-)
hot - Maintain your car -- tire pressure, oil
- Use a clothesline instead of using the changes, everything. Preventative
dryer maintenance is way cheaper than repairs.
- Use a ceiling fan instead of an air - Never use cheap gas - use quality gas
conditioner. and the correct octane for your car. It
Cell Phones, Internet, and Communication may seem more expensive, but it's cheaper
Utilities in car repairs in the long run.
- Avoid pre-paid cell phones, even if you - Don't be afraid to walk, even in the
just want the phone for emergencies, winter. It's great exercise and it saves
unless you are careful to use a plan with a ton of money. Bring a backpack with you
minutes that don't expire. You pay for grocery shopping if you need only a
exorbitant rates per minute. couple of things.
- Never underestimate the minutes your The Change Jar
teen may use. Be careful not to get the I have a change jar. Every time I pay for
lowest plan. Constant overages are very something, I always use bills and get the
expensive overall. change. I put the change in the jar. You
- You don't necessarily need a home phone wouldn't believe how much money you can
if you have a cell phone. With free save! This money could be entertainment
nights, weekends and long distance, you money, allowance for the kids, put it in
may save considerably. Be careful with a savings account or saved for
phone plans that have low rates, because emergencies. This change jar has saved my
the taxes add significantly to the bill. butt many times over the years, and is a
- For your Internet connection, you don't great way to have "found" money at the
have to get the highest rate of end of the month.
connection speed. For the average user,




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