hongi wrote:Please give tips on how to cut down money.
OK Hongi, you've asked something that I happen to feel is a specialty subject of mine. It's late, and I'm going to bed, but I'll see what I can come up with.
Have you made a budget? Is it accurate, listing all those pinhole expenses such as mobile ring tones, a coke at work, etc? Those add up. What are your major costs?
What are your living arrangements? Do you rent, do you live with your parents? That would be useful to know.
Dumpster Diving - Is against health regulations. Stores are not allowed to allow people to take discarded food for human consumption. I'm not saying you can't do it, I'm just saying avoid Security. Bins are kept in all cases I've seen on the property and therefore you are theoretically stealing.
They don't allow it since if you get sick eating the food, you could sue the supermarket. Even if you fetched it out of the bin without permission. Ridiculous, and I don't know if you would win, but none-the-less....
A small business may allow you to take discarded food for animal consumption, I wrote up and signed a document saying I was taking vegetable scraps for my chickens, the business in question filed it away, and then they didn't care (it was true, anyway). Coles and Woolies
will not do this. Maybe an IGA, but I doubt it.
You live in urban Australia. The tap water is fine. Drink it. This isn't some 3rd world heap.
You live in Sydney. You don't need a heater. Get a fluffy jumper, and put another blanket on the bed.
At work or Uni, do you buy your lunch? Stop doing so, and take sandwiches. Do you buy drinks while you're out? Stop that too. Either wait until you're home, or buy a large no-name bottle from the supermarket and take a small drink-bottle of it when you go out. The comparison is ridiculous, you can pay $3+ for a 600ml bottle, or 89c for 2 litres. The better alternative is to give up soft drinks.
Give up drinking alcohol while out. Buy a bottle and drink at yours or a mate's place.
Learn this as an unquestionable fact. Money is happiest in your wallet, or in your bank account. It cries when it's forced to leave. Remember that every time you feel like buying something. There is seldom anything that needs to be purchased
right now. Most things can wait a few days, and the longer you can put them off, the longer you have to discover you didn't need it after all.
No-name sausages are palatable if stewed (with potatoes and other vegies), bulk mince is also cheap and also works well with a stew.
Porridge from rolled oats is as cheap and healthy as you can get for breakfast, although allow half an hour for it. Makes a decent dinner too, if necessary.
When it comes to taking a bucket in the shower with you, remember water's cheap by volume unless you're a large family with extravagant habits. Assuming you're not, it's the fixed costs that form the bulk of the bill, and they're fixed. Of course, if you rent those fixed costs are probably already figured in.
Water's cheap, but power isn't. Short showers not a bad idea.
A small vege garden is not a bad idea if you have the mind for it (and a suitable place).
Do you have any friends who work anywhere useful, like a bakery, pizza shop, etc?
If you live on the city outskirts, there may be small farms nearby advertising fruit and vegetables for sale at the gate. Mind you, apparently you have public transport, so presumably you don't.
That's it for now.