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05-01-2019 02:41 PM
-Look for sales
-Buy in bulk
-Use coupons
-Shop on senior citizen days for an added discount.My local supermarket offers a 10% discount to seniors on Wednesday’s.
- Make sure you lower the heat/ air conditioning when you leave the house.
-Turn the lights off as your exiting a room.Don’t leave them on in a room you’re not in.
- Review your cable bill.Are there any services you can eliminate? Call your cable company.You can renegotiate a better deal.I do it every year.
- can you reduce the cost of your cellphone? Perhaps a pay as you go plan so you only pay for the services you use.
05-01-2019 02:58 PM
When you walk into a place of business including retail, the first things you should ask......
Do you have any of the following discounts......
Senior?
AARP?
AAA?
County/City?
The above is the same for phone calls.
Patronize retailers that will tack on manufacturer coupons along w/their own.
"Never argue with a fool. Onlookers may not be able to tell the difference."
05-01-2019 03:03 PM - edited 05-01-2019 03:06 PM
Extreme measures but worth considering:
Own just one car.
Downsize to a small home, condo or apartment before you and DH get any older.
Possibly to a less expensive area of the country, although being near friends and family certainly has merit. For me, stayed in a $$$ state to be near family, but downsized and moved to a less expensive area. Saving a LOT on just that one change, but trying to always stay ahead of all spending when and where possible.
Also, men's and women's haircuts, color, etc. at a vo-tech or beauty school.
Some vo-tech schools also do basic car mainenance
05-01-2019 03:08 PM - edited 05-01-2019 03:11 PM
You start with making a budget. There are major factors such as whether or not you have a mortgage. Do you rent? Do you plan on downsizing? Do you get social security, have a pension, IRA's, savings? Why don't you sit down with a financial advisor who can answer your questions? You need to get your answers from a knowledgeable professional.
05-01-2019 03:09 PM
I have to agree with everyone else, $800 a month on groceries for 2 people seems extremely high.
05-01-2019 03:18 PM
Are you sure you did your math right on those groceries? You may live in a more expensive area, but that seems way too high. I am retired with a husband and we don’t spend even 400 per month. If there are special occasions requiring special meals, it’s a little more. This week, I am not going to the store unless I need something specific. I will put our meals together with what I have on hand. I shop the sales, Cook mostly from scratch, and don’t waste anything. I think if you examine your budget and how you cook, you will be able to save a lot right there. Good luck. A challenge like this can be fun.
05-01-2019 03:26 PM
I know there are lots of blogs and sites with info on this, some have worksheets you can download and use
05-01-2019 03:50 PM
$800 for 2 seems very extreme. Sounds like groceries should be a good place to start to reduce expenses.
05-01-2019 04:18 PM
I went to tv antenna only. I don't subscribe to anything and don't miss anything.
Review your cell phone plan. I only say this because I'm astounded at how much others pay for their cell phone service. There are plans for $25/month.
I hate to say this but don't shop here where everything is now overpriced. You can get better deals in many other places.
I think establishing needs vs. wants is an excellent idea as someone else mentioned.
05-01-2019 04:35 PM
Yes retirement is certainly a horse of a different color ...
Aldi's has saved me a ton of money ... but like others .. I don't
buy meat there ....
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