This page of the web site is still under development but feel free to look and check back later if you would like.

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Drink water instead of soda or alcohol  

   if you spend $3 per day on soda or alcohol you could save about $1000 per year

Use filtered tap water instead of bottled water

     if you spend $1 per day on bottled water you could save $365 per year

Get a credit card that pays 2 percent cash back with no annual fee

     if you charge $20,000 per year you could save $450 per year including $50 fee waiver

Recycle bottles and cans   

    if you use 4 bottles per day at 10 cents each you could get $150 per year back

Get prescriptions via mail 90 day supply

     if you have 8 prescriptions per year and save $15 each you could save $120 per year      

Send e-cards or buy all of the cards you need at 99 cent store

    if you use e-cards 50 per year at $4 each you could save $200 per year

Buy in bulk such items as school lunch chips, toilet paper, etc.

    

Use gift cards that you get

     if you get 4 $50 cards per year you could save $200 

Make an offer 20 percent off

    if you spend an average of $4000 per year you could save $800 per year

Buy only those things you need or really want

   depending on how many items you skip you could save $300 per year

More modest living home

    if you go for the $400,000 home instead of the $600,000 home you could save $10,000 per year until the

    home is paid for depending on the interest rate

Open home at night or day to cool off or warm up (risk of break-in)

    if you reduce your heating and cooling bills by 20 percent you could save $400 per year

Bank at place that doesn't charge to have account there

    at $15 per month saved you could save $180 per year

Use cold water in wash

    

Greywater heat recovery system

Reduce water use by watering in evening so can sink in

Buy only term life insurance if needed to compensate for loss of income

Comparison shop for car insurance

    if you save $200 every 6 months you could save $400 per year

Discount for home and auto insurance from same place (bundle)

    if you save 10 percent you could save $400 per year

Tax deductions for home mortgage, medical expenses, charitable donations, and so on

    if you exceed the standard deduction by $10,000 you could save $2000 per year depending on your tax            bracket

Refinance home mortgage

    if you reduce your interest rate 1 percent on a $400,000 loan you could save more than $4000 per year

Share quarters with roommates

    sharing a 1 bedroom apartment costing $2000 per month you could save $12,000 per year plus half of              utilities  

Invest in index fund

   as opposed to buying a random mutual fund in the same market  you could save 1 percent which would           amount to $1000 per year on a $100,000 investment

Use retirement benefit from work

    sometimes work will match the money you put into a retirement fund.  If you put in $3000 per year you                could get an additional $3000 per year toward retirement.  If you use it before retirement you may have to 

    pay a penalty but you will still likely be far ahead.

Plant fruit trees

    if there is a fruit you like to eat all of the time such as an apple replacing 100 apples per year from the store      you could save $100 per year

Plant shade tree (small risk of falling on house or other building or person)

    if you can cut your cooling bill by 10 percent you could save $150 per year

Close off rooms not used (don't heat or cool)

    if you can cut your heating and cooling bills by 10 percent you could save $300 per year

Buy more energy efficient appliances

Breathe clean air—give up smoking

    you could save $1600 per year depending on how much you used to smoke

Reduce miles driven

     driving 3000 miles less per year you could save $1500 per year when all auto costs taken into account

Compact fluorescent or LED bulbs

     if you replace 8 60 W bulbs running 4 hours per day on average you could save about $100 per year

Low flow shower head

    

Eat leftovers--visually inspect and smell for mold.  Leftovers taste good.

    if you average about $3 per day of leftovers you could save $1000 per year

Share a dinner

    if you split a dinner instead of each getting your own once per week you could save $500 per year  

Watch movies at home

    if you do this 10 times per year instead of going to the theater you could save $100 per year plus cost

     of expensive food and beverages and maybe cost of onto theater

Reduce food consumption

    if you tend to overeat try eating about 20 percent less to save perhaps $400 per year

Exercise to stay healthy

    pays good dividend for your health;  may save cost of an operation

Eat well to stay healthy

    same as exercise; eat lots of fruits and vegetables and whole grains

Cremation or donation of body to science to reduce death costs

    eliminating one time cost of a funeral could save $7000   

Save food (foodsaver.com)

   if you regularly throw out food try vacuum packing it to make it last longer.  If you save $2 of food per day         you could save about $750 per year

Eat at home more often

    if you cut out one meal out per week for 2 you could save $1500 per year

Cancel unwanted subscriptions

    2 subscriptions eliminated could save $100 per year

Buy only what is wanted or needed

    

Shop at discount store (99 cent store e.g.)

     you can get such items as toothpaste, soap, and so on

     if you buy 10 items per month you may save about $250 per year

Use credit lock instead of identity theft protection (may be higher risk of ID theft)

Off brand name clothes (risk of kid being “uncool”)

    if you can save 50 percent a household (probably 4 people) could save $700 per year

Own solar panels

Home insulation

Better energy efficiency windows

Buy drinks warm and chill

Eat more vegetables (cheaper than meat)

Use free software for computer or cell phone

     

Use retirement accounts

Take part in peace project (see peace section)   

    if we can eliminate defense spending the average person in the U.S. would save about $2500 per year              eventually

Use online education resources

Use library

Participate in reward programs

Walk or bicycle to work (takes longer and may be more hazardous—be sure to watch carefully and wear helmet and use hand signals if biking)

    

Time saving ideas

Buy TP, soap, dish soap, laundry detergent, and so on to last for entire year

Cheaper cell phone service—e.g. Consumer cellular

Use home storage instead of storage unit

Drive slower and with more coasting

yearly oil change

Pay off credit cards in full

     eliminating $6500 debt at 18 percent interest saves an average individual about $1200 per year

    

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