Among Friends

[LIndaMJ]

We shop grocery sales and use a credit card for purchases with cash back and pay the bill every month so no interest. 

[JeanLouiseFinch]

I try to pay sale prices as much as possible.

I buy most of our groceries at Aldi and Costco, and a few things at Walmart.

I have certain things I/we use on a regular basis, on Amazon subscriptions

I will use generic versions of some things

I don't buy super high end makeup.

We eat at home more often than we eat out.  Eating out happens more out of necessity

DH faithfully uses the Fetch and Upside apps.

We use a Costco branded Visa for everything we possibly can, in order to get the rebates, but make sure to pay the statement balance in full every month to avoid interest charges.

When shopping online, I use rebate sites when possible.

Sometimes I just say "no".

DH keeps an eye on investments and makes appropriate moves when needed - higher interest savings, CD's, Roth IRA's.  He'll renew/roll over the CD when the term ends.  

The money we save will be used on other areas of our budget - religious contributions, gifts for family, a weekend trip, etc.

[HLP]

---

@justashopper wrote:

There was an article that said the average person has $64,000 in savings.  They didn't say what was including in that amount. So interpert that the way you will... but it got me thinking

what's your hack to try to save money?  what do you do with the money you save? 

---

IRA AND CDS AND NEVER GO IN TO THEM.

[mrshckynut]

buying very few non necessities and more in bulk than in past    spend lot more time looking at or for sale specials

mrshckynut 

[RedTop]

We have always lived below our means, while always having what we actually needed.  

[San Antonio Gal]

I work full time and a nice portion of my paycheck goes directly to my 401K and savings accounts before it gets deposited to my checking account.  

[RetRN]

Needs vs.wants. See no need to purchase something I can do without. 

[ALRATIBA]

We were raised to be frugal ... to live below our means.  

There was a book published in 1996 -The Millionaire Next Door.

Here's a quote ... from WIKI regarding the book:

Most of the millionaire households that they profiled did not have the extravagant lifestyles that most people would assume. This finding is backed up by surveys indicating how little these millionaire households have spent on such things as cars, watches, clothing, and other luxury products/services. Most importantly, the book gives a list of reasons for why these people managed to accumulate so much wealth (the top one being that "They live below their means"). 

[San Antonio Gal]

@ALRATIBA  - I'm familiar with "The Millionaire Next Door".    The average millionaire does not live extragantly. 

Many that have expensive homes and cars are heavily in debt.  They give the illusion that they have "money", but they don't.  They are living paycheck to paycheck.  

[Desertdi]

---

@San Antonio Gal wrote:

I work full time and a nice portion of my paycheck goes directly to my 401K and savings accounts before it gets deposited to my checking account.  

---

@San Antonio Gal   

 BEST answer !!!!!!     di