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/0 1233 4 5&+#67
by k8lS1L on !AnuA8? 1, 2013
hLLp://www.LhebudgeLdleL.com/cuL-your-spendlng-by-400-a-monLh
8-, 0&" 9+&: -; 0&" <"# 0&"' =)*+,-+. /0 1>? 4 ,40@ 0&"ABB =4C* 1233 4 D&+#6 4+, 12E33 4 0*4'7
ay aLLenLlon Lo Lhe llLLle expenses because Lhey really do add up.
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! Call your uLlllLy companles Lo make sure you're geLLlng Lhe besL raLe, and Lo make sure you really need all Lhe
servlces you're paylng for llke call walLlng or premlum cable channels. A few phone calls usually wlll yleld savlngs of
$13 a monLh.
! lf you llve ln a deregulaLed sLaLe, make sure you're shopplng around for Lhe besL elecLrlclLy raLe! lL's easy! ln
1exas, go Lo ower1oChoose.org, enLer your zlp code, see raLes, read Lhe flne prlnL and choose a provlder. 1here's
no lnLerrupLlon Lo your servlce.
! Shop around and compare raLes on auLo and home lnsurance. Ask yourself lf you could llve wlLh a hlgher
deducLlble or dlfferenL llmlLs, and make sure you are Laklng advanLage of all Lhe dlscounLs avallable Lo you
(securlLy sysLem, good sLudenL, sLudenL away).
! SLarL uslng a cloLhesllne and you'll save abouL 6 on your elecLrlc blll plus your home wlll be quleLer and cooler!
! lnvesL ln a programmable LhermosLaL.lL wlll qulckly pay for lLself!
! lf you've had a dlsrupLlon Lo your cable or saLelllLe servlce, call and ask for a refund! We had lssues wlLh our cable
for a week, and a complalnL phone call ylelded a $30 credlL on our blll. LeglLlmaLe complalnLs may also resulL ln a
credlL on your cell phone blll.
(6&) (D4'#*'
! SLock up on dlscounLed glfL cards for places you normally shop. Pow does 13 off aL !C enny or ler 1 sound?
A8CClfLCards.com has a huge selecLlon!
! lf you shop onllne, sLarL wlLh LbaLes.com - you'll flnd coupon codes and earn cash back on every purchase!
! Make sure you're Laklng advanLage of dlscounLs! Check ouL Lhls llsL of 133 MlllLary ulscounLs or 66 1eacher
ulscounLs.
! SLop maklng lmpulse purchases! CeL ln Lhe hablL of asklng yourself lf lL's a need or a wanL.
! Shop garage sales, LhrlfL sLores, CralgsllsL, lreecycle and conslgnmenL shops flrsL - you never know whaL Lreasures
you may flnd!
! 1ry swapplng lnsLead of shopplng. lnvlLe your frlends over and swap chlldren's cloLhes, Loys, books and Palloween
cosLumes. 1he average famlly saves $369 a year by swapplng chlldren's cloLhes!
! CeL ln Lhe hablL of shopplng Croupon and oLher deal slLes. no maLLer whaL you're shopplng for, Lhere's a deal slLe
for you! Slgn up Lo recelve Lhe besL dally deals. 1ry 1ech 8argalns for dally deals on lapLops or 1oLsy for dally deals
for bables, klds and moms. no maLLer whaL you're shopplng for, Lhere's llkely a dally deal slLe Lo help you save
money! Make sure you're Laklng advanLage of rewards programs aL places you regularly shop llke CvS, kroger and
eLco.
! uo you know Lhe besL Llmes of Lhe year Lo buy for maxlmum savlngs? lall ls Lhe besL Llme Lo buy a grlll because
sLores need Lo make room for ChrlsLmas merchandlse. Check ouL Lhe 8esL 1lme 1o 8uy Culde wlLh llsLlngs by
monLh.
! Conslder homemade glfLs and homemade Palloween cosLumes - you don'L have Lo be MarLha SLewarL wlLh my
ldeas!
! CeL ln Lhe hablL of buylng cloLhes durlng Lhe end of season clearance.
! 8e Lhankful for whaL you have lnsLead of shopplng for more!

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! Always plan meals, make a llsL and Lry Lo grocery shop once a week.
! 8uy sLore brands, Lhls alone wlll cuL your grocery blll by 23!
! use 1he Crocery Came, lnc. Lo maxlmlze your savlngs. 1he Crocery Came helps you comblne coupons wlLh sales
for huge savlngs and even a few free lLems each week. ?ou wlll save aL leasL $30 a week, and you can geL sLarLed
wlLh a free Lrlal!
! Shop CosLco or Sam's for sLaples llke mllk, eggs, buLLer, cheese and sugar. 1hls ls where Lhe real savlngs are.
8emember, everyLhlng ls noL cheaper aL a warehouse club.
! SLop buylng boLLled waLer! A case of boLLled waLer ls abouL $3 per week, $20 a monLh and $240 a year! 1ry a
reflllable boLLle lnsLead.
! 8uy seasonal produce for besL LasLe and savlngs.
! uld you know LhaL kroger sells roLlsserle chlckens for half prlce afLer 7:30? SLock up, chop up, freeze! Check your
local grocery for Lhelr pollcy.
! Mel[er sells all pre-sllced dell lunchmeaL for half prlce afLer 8:30. See ls your local grocery has a slmllar pollcy.
! Check your local bagel and donuL shops, you can llkely plck up a bargaln afLer a cerLaln Llme of Lhe day! Cur bagel
shop sells 1 dozen for $3 afLer 2:00, and l've heard LhaL krlspy kreme sells a dozen donuLs (Lhe ones ln Lhe case) for
$1 afLer mldnlghL.LhaL glves new meanlng Lo a mldnlghL snack!
! LaL ouL for less wlLh deals from 8esLauranL.com, Croupon.com or dlscounLed resLauranL glfL cards from
lasLlc!ungle.com. 1helr laLesL deals can always be found on Lhe rlghL slde of Lhls page.
! uon'L mlss ouL on over 100 8lrLhday lreebles from resLauranLs! Pow's a $30 glfL cerLlflcaLe Lo 8enlhanas sound?
! ulscover all Lhe klds LaL lree offers.
! Are you Laklng advanLage of 8eporL Card lreebles?
! LaL ln, noL ouL! 1hose every day Lrlps Lo Lhe drlve-Lhru qulckly add up - $7 a day for lunch = $33 a week, $140 a
monLh, $1820 a year! Could you brown bag lL Lo work a few days? Check ouL 3 easy ways Lo dlLch Lhe drlve-Lhru.
! Make your own SLarbucks and save abouL $3 a day, $21 a week, $84 a monLh, $1008 a year!
! lanL a garden and en[oy seasonal produce for a fracLlon of Lhe cosL.
! Learn Lo can frulLs and veggles.
! Always check ouL Lhe grocery clearance / manager's speclals.Lhe deals are amazlng!
! Cook from scraLch.you're paylng way Loo much for convenlence!
! 1ry Lhls rule - only order waLer aL resLauranLs.
I4C* H"+ H&' J*==
! Croupon.com ls a greaL source for huge savlngs on fun Lhlngs Lo do ln your area llke 62 off admlsslon aL Lhe
PousLon Museum of naLural Sclence!
! 1ry a hlgh school fooLball game or LheaLre performance for a cheap evenlng ouL.
! Pow abouL breakfasL and a movle? AMC LheaLres offer $6 movles before noon.
! WaLch your old weddlng vldeo and famlly vldeos.
! ull ouL your weddlng album on your annlversary.
! Pave a wlne LasLlng nlghL aL home and dlscover your favorlLe cheap wlne. Slmply cover a few boLLles wlLh brown
paper, LasLe and raLe!
! PosL a cooklng school for your klds - lL's Llme Lo sLop waLchlng Lhe lood Channel and sLarL cooklng!
! Came nlghL ls a greaL famlly LradlLlon Lo sLarL! lor a fun LwlsL, add sllly beLs llke loser does Lhe dlshes!
! CreaLe your own Wll lamlly Clymplcs by playlng a dlfferenL sporL each nlghL - ldeal for wlnLer break.
! Check ouL lacLory1oursuSA.com for a sLaLe by sLaLe llsLlng of free Lours.
! lzza 1asLe 1esL - buy assorLed frozen plzzas, LasLe, raLe and choose your new favorlLe.
! SLarL a famlly LradlLlon of havlng lce cream sundaes on SaLurday!
! 1ry MlnuLe Lo Wln lL challenges aL home.
! 8rlng back home blrLhday parLles! ?ou really don'L need Lo spend $300+ for an lce skaLlng parLy or 8ulld-A-8ear
parLy.
! Ln[oy Lhe ouLdoors - Lake a hlke, go for a blke rlde, waLch Lhe sunseL! MoLher naLure has a loL of free fun Lo offer.
! lf you're a 8ank of Amerlca cusLomer, Lake advanLage of free museum and zoo admlsslon Lhe flrsL weekend of Lhe
monLh. Check Lhelr webslLe for a llsLlng of parLlclpaLlng museums / zoos.
! When's Lhe lasL Llme you vlslLed Lhe llbrary? Check ouL books, movles and en[oy free evenLs.
! LeL your klds geL lnvolved ln Clrl ScouLs, 8oy ScouLs or 4P for affordable fun!
! A nelghborhood poL luck block parLy ls one of my favorlLe memorles, and lLs frugal fun aL lLs flnesL!

K& K'**+ 4+, (4C* (&D* K'**+

! 1he 8eLurn of Lhe CloLhesllne - SLarL uslng a cloLhesllne or drylng rack, and you'll save nearly 6 on your monLhly
elecLrlc blll accordlng Lo Lhe ueparLmenL of Lnergy.plus your house wlll be quleLer & cooler! lf your clLy or
homeowners assoclaLlon prohlblLs cloLhesllnes, your besL opLlon ls a cloLhs drylng rack (avallable aL 1argeL,
WalmarL and 8ed 8aLh & 8eyond for abouL $30). lf your monLhly elecLrlc blll ls $200, your frlend Lhe cloLhesllne
[usL saved you abouL $12 a monLh & $144 a year!
! 8urn Calorles, noL Cas - Walklng or rldlng blkes ls budgeL frlendly, earLh frlendly and flgure frlendly.so, whaL do
you have Lo lose? Maybe a few pounds???? LeL's here lL for pedal power!
! Conslder Carpools - Could you organlze a carpool for work, school or afLer school acLlvlLles? ?ou'll save boLh Llme
and gas!
! lan Ahead - Are you gullLy of runnlng errands every slngle day or maklng Lwo Lrlps Lo Lhe sLore because you
dldn'L make a llsL? 1here's more Lo llfe Lhan errands, and plannlng ahead wlll save you boLh Llme and gas money.
! Slow uown - urlvlng 63 mlles per hour uses 13 more gas Lhan drlvlng 33 mlles per hour - LhaL's llke paylng 40
cenLs more per gallon! Cf course, you'll llkely be Lhe only one on Lhe hlghway golng 33!
! ay 8llls Cnllne - Save Lrees, save sLamps, save money!
! llnd a larmer's MarkeL - ulscover your local farmer's markeL, and your budgeL wlll love Lhe prlces and you'll love
Lhe fresh LasLe of [usL plcked produce! 1o flnd a farmer's markeL near you, vlslL LocalParvesL.org and enLer your zlp
code.
! SLop !unk Mall - Save Lrees, save your sanlLy! lL only Lakes a mlnuLe Lo vlslL uMACholce.org Lo remove your name
from malllng llsLs for caLalogs, lnsurance offers and more!
! 8eusable Lunch ConLalners - lnsLead of a brown bag, carry a lunch box. lnsLead of zlp Lop bags, lnvesL ln reusable
bags. ?ou'll spend a llLLle money upfronL, buL you'll save money ln Lhe long run.
! SLop 8uylng 8oLLled WaLer - 8oLLled waLer has become Lhe Amerlcan way, and up unLll a few years ago.l was
gullLy of buylng a 24-pack every slngle week! WCW.LhaL's $4 a week, $16 a monLh and $208 a year for WA1L8!
SLop buylng boLLled waLer and sLarL buylng reflllable boLLles for your famlly Lo Lake Lo work, school and sporLs.
! unplug - hanLom LlecLrlclLy ls Lhe elecLrlclLy LhaL ls used when a devlce ls plugged ln buL noL ln use. lor
example.you leave your cell phone charger plugged ln all Lhe Llme, buL you only charge your phone every few
days.dld you know LhaL your charger ls sLlll uslng elecLrlclLy when lL ls plugged ln buL noL charglng? 1hls ls
hanLom LlecLrlclLy", and llLLle blLs are belng used LhroughouL your home everyday hence Lhe name phanLom."
WasLed elecLrlclLy ls noL earLh frlendly, and wasLed elecLrlclLy ls wasLlng your money!
! 8ecycle, 8ecycle, 8ecycle - lf you're noL recycllng, Lhls ls a greaL week Lo sLarL! 1he flrsL sLep ls Lo have a sysLem
and make sure everybody ln your famlly undersLands lL! 1he 8udgeL uleL glrl's sysLem ls Lwo Lrash cans ln Lhe
klLchen - one for recycllng and one for Lrash. AfLer a few weeks, recycllng wlll become a hablL, and your nelghbors
wlll be green wlLh envy when you only have one small bag of Lrash each week!
! Pomemade Cleanlng roducLs - Make Lhe swlLch Lo homemade cleanlng producLs LhaL cosL pennles Lo make and
clean [usL as well wlLhouL harsh chemlcals.
! 8epurpose - Look Lwlce aL Lhlngs before Lhrowlng Lhem away! Could you cuL off Lhe fronLs of some of your
ChrlsLmas cards Lo use a glfL Lags nexL year? Could you palnL LhaL old plece of furnlLure or spray palnL a chandeller
Lo glve lL a new llfe?
! ComposL!
! Check CralgsllsL for free planLs.you'll almosL always flnd Lhem!

F*,"<* I*4B#6 L H-#+*== MN)*+=*=

! Are you Laklng advanLage of your flex plan for pre-Lax savlngs?
! Save money on prescrlpLlons by avoldlng combo pllls." A combo plll comblnes more Lhan one Lype of medlcaLlon.
lor example, LoLrel ls a blood pressure medlclne LhaL cosLs $70 a monLh for generlc, buL you could geL a
prescrlpLlon for Lhe Lwo componenLs (Amlodlplne and 8enazeprll) for $6 each.
! Ask your docLor lf your prescrlpLlon mlghL be cheaper from a Canadlan pharmacy llke Canadaurug.com. l was able
Lo geL my eye drops for $9 lnsLead of $130 slmply because Canada offers a generlc.
! Ask your docLor abouL any money savlng prescrlpLlon opLlons.Lhe lasL Llme l dld Lhls, we were glven a bag full of
samples! Ask and you [usL mlghL recelve!
! Crder peL medlcaLlons onllne from 1800eLMeds.com and you'll save money! Slmply place your order onllne, and
Lhey wlll conLacL your veL for Lhe prescrlpLlon. lL's one less errand you have Lo run Lhls week! CosLco, Sam's and
WalmarL also offer peL medlcaLlons for less Lhan your veL.
! Crder conLacL lenses onllne from ulscounLConLacLLenses.com. lL works [usL llke eLMeds.com. CosLco, Sam's and
Walgreen's also offer dlscounL conLacL lenses.
! WanL a bargaln massage? 1ry a massage Lherapy school! ln PousLon, Memorlal Permann SouLhwesL offers a 1
hour massage for only $29, and Llpplng ls noL allowed!
! Check ouL l8LL dleL webslLes llke Sparkeople.com and MyllLnessal.com. Slmply lnpuL your welghL, your deslred
welghL, and you'll geL a plan. 1hese slLes help you keep a food dlary and keep counL of calorles, faL, proLeln and
carbs. ?ou'll also flnd plenLy of moLlvaLlon, Llps and supporL ln Lhelr onllne forums.
! CeL flL for free! Walk, rlde blkes, check ouL my lnLeresL 8oard of aL home workouLs or Lry exerclse uvu's. Average
savlngs - aL leasL $40 a monLh and $480 a year.

O'4C*B 5&'*@ ()*+, J*==

! ueal flrsL, desLlnaLlon second - Lhls ls 1he 8udgeL uleL's moLLo when lL comes Lo savlng on Lravel. lL slmply means
don'L geL your hearL seL on a desLlnaLlon, and Lhen dlscover Lhe deals don'L exlsL. lnsLead, be open-mlnded abouL a
desLlnaLlon and geL exclLed abouL greaL deals. Lach SaLurday, 1he 8udgeL uleL publlshes Lhe 1op 10 8udgeL 1ravel
ueals.
! uld you know LhaL dlscounLed glfL cards exlsL for Lravel? 8ecenLly, CosLco had $300 Amerlcan Alrllnes glfL cards for
only $269.99! Pow's LhaL for lnsLanL savlngs? 1ake a momenL Lo peruse Lhe huge selecLlon of dlscounLed glfL cards
aL A8CClfLCards.com - you'll flnd dlscounLed glfL cards for hoLels, resLauranLs, shopplng and more!
! Save on Crulses wlLh vacaLlons1oCo.com's 90-day lasL mlnuLe Llcker. lL's noL unusual Lo flnd dlscounLs of 73!
! Conslder a home exchange program llke PomeLxchange.com or Affordable1ravelClub.com
! A road Lrlp ls always budgeL frlendly! lan a road Lrlp Lo please everyone - you seL Lhe budgeL and dlsLance
parameLers, and each member of Lhe famlly plans a day!
5&'* P40= #& (4C*
! ul? - could you make lL yourself or flx lL yourself? 1hanks Lo ?ou 1ube, Lhere's a vldeo Lo Leach you [usL abouL
anyLhlng! ?ou can even learn Lo flx a leaky LolleL!
! Conslder swapplng babyslLLlng or peL slLLlng wlLh a nelghbor.
! CuL your dry cleanlng blll by swlLchlng Lo CosLco klrkland brand no-lron shlrLs. 3 shlrLs cosL $79.93, and you'll save
abouL $230 a year on dry cleanlng.
! lnsLead of a coln [ar, Lry a $1 blll [ar - you have Lo ad[usL for lnflaLlon, rlghL?
Pow many ways dld you flnd Lo cuL your spendlng?