okay, #1- drive more efficiently- drive 55 instead of 70. wow i'd love to drive at 55. i think my max daily speed is 35.
#2- before starting your car get your kids buckled in. no kids. no savings. check.
#3- conserve energy- set your thermostat lower and wear a sweater. um, no thermostat, i always wear sweaters. and sleep under 3 comforters and a wool blanket. no savings.
#4- walk or bike to work- then how would i get to my meetings?
#5- bring your own lunch (i try- so this is real)
#6- cut back on dining out- no brainer. take a cooking class and cook at home. well, cooking at home is a problem when portion sizes are for 4 and there's only one of me, but i do try.
#6.1- don't order the appetizer, dessert or the special. i already don't. the meal is enough. american portion sizes people.
#6.2- don't order the 2nd cheapest wine- order the cheapest wine. or how about how i do it, don't order wine? there's the real savings.
#7- quit smoking- yeah, that will save me a boatload.
#8- rent DVDs from the library for free. except that you have to drive to the library. i'd like to see their selection match netflix. plus netflix has instant viewing. please, if you're going to give me a tip give me apples to apples. not apples to rotten fruit i don't like.
#9- think before opening the refrigerator door. okay, i can think all i want but there's still nothing in there. imagining a cornucopia of food won't help.
#10- don't shop on an empty stomach, eat a light nutritious snack before going. but that means having a light nutritious snack to eat before i go? if i had that, i wouldn't need to go to the grocery store.
#11- don't sign up for extended contracts or warranties for electronics- who has money to buy electronics right now? not me.
#12- manage credit card spending- HA i'm probably the only person with a credit score of 750 who can't even get a credit card! (i tried so i could have one on hand for emergencies- car breaking down, etc- and was denied 3 times. oh well.)
#13- ignore the minimum payment on your bill and pay more! wow, i bet people would LOVE to do this, but people who are charging things on credit cards don't usually have the money to pay $200 instead of the $20 minimum, but nice thought.
i always read them in case there's something in there i can use. but they're usually things like, "don't drink starbucks coffee. it's $4 a cup and at $4x5days a week at $20 a week you've just spent $1000!" i have had 3 $3.80 iced teas in the past 3 months, because i gave up my twice weekly habit months ago to save money, but thank you article for telling me a way to save money that should be obvious to anyone with half a brain!