I used a midwife. I wasn't sure if my health insurance would cover it. If it had not, it would have been $4000. That included the entire 9 months of prenatal care, lab tests, etc...I also was required by the midwives to take a child birth class, hire a birth assistant, and by the supplies for the birth itself (there are kits you can get online or make your own). That included everything from cord clamps to a heating pad to warm baby blankets so the baby got a nice toasty blanket when it was born. I got first rate care. My current health insurance does not cover a midwife, but if I was to get pregnant again soon, I will pay out of pocket for the midwife.
My favorite frugality tips are: always use a coupon when you can, almost anything is negotiable when it comes to making a good deal and always keep a spare change account to keep your financial ducks in a row.
I think the best frugal tip that I can follow is to plan out meals based on the sales. Before you go grocery shopping, look at what's on sale and what you have in the pantry and try to plan a week of dinners using those things.
i find with young kids in the house, we have a regular influx of new things: clothes they require (which are usually gifts) as well as toys (also gifts). i stopped geting frustrated at the amount of "stuff" coming in and started actively purging what we no longer need/use on a regular basis. i sell the items to local friends and neighbors through a local kids swap/sell facebook page. i put those funds aside for activities or items the kids REQUIRE or for adventures (which we prefer to spend our money on, over STUFF!) i think the tip though is removing sentimentality from objects, and moving along on things you no longer need or do not use, but specifically for kids, it's a non-stop task.
I like to book big meals at home and then take leftovers to work. It's healthier and cheaper than going out to eat. I find most of my recipes on Pinterest.
Ooh tough one, there are so many!
Mine would be meal planning, it stops panic dinners where you spend too much and you can also use leftovers for packed lunch and freezer supplies for when you haven't got time to cook properly.
My favorite frugality tip? Don't spend it if you don't have it; save up for something first. If you're buying something just because you want it, that is not a good enough reason to go into debt for it.
Frugal tip would be research before you buy it.
Food, clothing, decoration almost what ever you are looking for.
Check the weekly circular before going super market.
Plan meal from what's on the sale. Not plan the meal first and go buy ingredients.
Check the shelf or clearance corner.
Think about the item from clelance , what can I do with this.
My local super markets keep items on regular shelf but soe are marked 'close down'
Price is depend but sometime 75-90% off.
Make everything at home as much as you can.
This apply to many thing but I'm talking about food.
Growing is even better.
Bread, pizza, pie crust,pot sticker,all sweet etc.
It is time consuming so it not possible to everybody.
But making it on your own certenly saves lot of money.
Look for thrift store.
I don't know this apply to any city,
But my local goodwill have many brand new sometime even stil with tag items.
over stock or what ever the reason , if thos are fits what I am looking for.
Its just amazing deal.
In DC, anytime you go shopping, you need to pay 5 cents per bag. I live nearby a trader Joes and always pay for the double bags whenever I go shopping. The reason is that the double bag also serves as a garbage for me in my apartment. I calculated that 20 garbage bags costs $5.50, which means that each garbage bag costs roughly $0.25. This way I am saving money each time by only paying a dime and getting a convenient way to carry my groceries.
Using the library is my favorite frugality tip. It is so easy to put books on hold, check out DVDs, participate in a book club and other free events, borrow free magazines, and buy some very nice used books at monthly book sales! I worked in a library and have shared many cost-saving ideas with others. Since I am an avid reader, I know I save hundreds of dollars every year. Libraries offer so much for all ages and interests!
Shopping the bulk bins at the natural food store: helps me buy just what I need, at a lower cost, and without packaging. That's the zero waste trifecta.
I guess clipping coupons to save money which I learned about from a popular blogger/couponer about 8 years ago who had a yahoo subscriber club and hosted classes here in NC or unplugging small appliances to reduce electricity bills which is something I saw on television
My favorite frugality tip is something my grandmother always said, "Use it up, wear it out, make it do or do without." While she took this to the extreme, saving every scrap of garbage (seriously, every) and repurposing it, I just try to make it about mindfulness about using what I have at hand before going out to buy bigger, better and newer.
My favorite frugal tip is "sleep on it." If I absolutely have to buy something, it's worth coming back for. Guess how often I actually go back? It happens, but not often. If I'm at a flea market or craft fair, I go through the whole show, then decide what to buy. If I can find it again.
I used a midwife. I wasn't sure if my health insurance would cover it. If it had not, it would have been $4000. That included the entire 9 months of prenatal care, lab tests, etc...I also was required by the midwives to take a child birth class, hire a birth assistant, and by the supplies for the birth itself (there are kits you can get online or make your own). That included everything from cord clamps to a heating pad to warm baby blankets so the baby got a nice toasty blanket when it was born. I got first rate care. My current health insurance does not cover a midwife, but if I was to get pregnant again soon, I will pay out of pocket for the midwife.
I love shopping and stocking up on great sales and using coupons.
One of my favorites: Winning isn't everything,but it sure beats whats in second place.
My favorite frugality tips are: always use a coupon when you can, almost anything is negotiable when it comes to making a good deal and always keep a spare change account to keep your financial ducks in a row.
I think the best frugal tip that I can follow is to plan out meals based on the sales. Before you go grocery shopping, look at what's on sale and what you have in the pantry and try to plan a week of dinners using those things.
Stopping lawn service. We purchased a good lawnmower and will now mow our own lawn.
i find with young kids in the house, we have a regular influx of new things: clothes they require (which are usually gifts) as well as toys (also gifts). i stopped geting frustrated at the amount of "stuff" coming in and started actively purging what we no longer need/use on a regular basis. i sell the items to local friends and neighbors through a local kids swap/sell facebook page. i put those funds aside for activities or items the kids REQUIRE or for adventures (which we prefer to spend our money on, over STUFF!) i think the tip though is removing sentimentality from objects, and moving along on things you no longer need or do not use, but specifically for kids, it's a non-stop task.
Buying giftcards at a discount to buy what I need and want.
Only one?!
Learn how to be content.
I like to book big meals at home and then take leftovers to work. It's healthier and cheaper than going out to eat. I find most of my recipes on Pinterest.
I loved this idea and added 2 scoops chocolate protein powder, an extra 1/8 cup applesauce, 1 T coconut oil, and chia seeds. Nom nom nom!
Ooh tough one, there are so many!
Mine would be meal planning, it stops panic dinners where you spend too much and you can also use leftovers for packed lunch and freezer supplies for when you haven't got time to cook properly.
My favorite frugality tip? Don't spend it if you don't have it; save up for something first. If you're buying something just because you want it, that is not a good enough reason to go into debt for it.
Frugal tip would be research before you buy it.
Food, clothing, decoration almost what ever you are looking for.
Check the weekly circular before going super market.
Plan meal from what's on the sale. Not plan the meal first and go buy ingredients.
Check the shelf or clearance corner.
Think about the item from clelance , what can I do with this.
My local super markets keep items on regular shelf but soe are marked 'close down'
Price is depend but sometime 75-90% off.
Make everything at home as much as you can.
This apply to many thing but I'm talking about food.
Growing is even better.
Bread, pizza, pie crust,pot sticker,all sweet etc.
It is time consuming so it not possible to everybody.
But making it on your own certenly saves lot of money.
Look for thrift store.
I don't know this apply to any city,
But my local goodwill have many brand new sometime even stil with tag items.
over stock or what ever the reason , if thos are fits what I am looking for.
Its just amazing deal.
making my own cleaning products. found on a blog and have been using this product since.
In DC, anytime you go shopping, you need to pay 5 cents per bag. I live nearby a trader Joes and always pay for the double bags whenever I go shopping. The reason is that the double bag also serves as a garbage for me in my apartment. I calculated that 20 garbage bags costs $5.50, which means that each garbage bag costs roughly $0.25. This way I am saving money each time by only paying a dime and getting a convenient way to carry my groceries.
Using the library is my favorite frugality tip. It is so easy to put books on hold, check out DVDs, participate in a book club and other free events, borrow free magazines, and buy some very nice used books at monthly book sales! I worked in a library and have shared many cost-saving ideas with others. Since I am an avid reader, I know I save hundreds of dollars every year. Libraries offer so much for all ages and interests!
im told it is good for such as your knees and pain is this true
is wd40 good for spraying on your joints for arthiritas ect
Shopping the bulk bins at the natural food store: helps me buy just what I need, at a lower cost, and without packaging. That's the zero waste trifecta.
Frugality tip: I buy my cars certified pre-owned.
I guess clipping coupons to save money which I learned about from a popular blogger/couponer about 8 years ago who had a yahoo subscriber club and hosted classes here in NC or unplugging small appliances to reduce electricity bills which is something I saw on television
My favorite frugality tip is something my grandmother always said, "Use it up, wear it out, make it do or do without." While she took this to the extreme, saving every scrap of garbage (seriously, every) and repurposing it, I just try to make it about mindfulness about using what I have at hand before going out to buy bigger, better and newer.
Cooking your own food! It is healthier, tastes better, and is far cheaper than eating out.
My favorite frugal tip is "sleep on it." If I absolutely have to buy something, it's worth coming back for. Guess how often I actually go back? It happens, but not often. If I'm at a flea market or craft fair, I go through the whole show, then decide what to buy. If I can find it again.