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Money Saving Tips

We want to help you be successful in saving money. To help you get started, we have compiled a list of some money saving tips.


  • Pack a Lunch - "Brown Bag" as often as possible ($5.00 a day saves $25.00 a week: $100.00 a month)
  • Cut down on meals away from home.
  • Plan meals to use minimum of food. Cook only as much as will be eaten unless it can be a part of another meal.
  • Consider generic foods. Use coupons only for foods you normally purchase.
  • Buy fruits and vegetables in seasonal specials.
  • Do more cooking from scratch.
  • Use crock-pot methods to cook less tender cuts of meat.
  • Grow a garden.
  • Stretch hamburger with breadcrumbs, oatmeal, or tomato sauce.
  • Avoid buying snack or "empty calorie" foods.
  • Use equally nutritious reconstituted dry or evaporated milk, for cooking instead of more expensive whole milk.
  • If space permits, store products in freezer to prevent spoilage.
  • Use leftovers in soups and casseroles.
  • Limit food shopping to once a week; the less trips to the grocery store the better. Use a list when you shop.
  • Plan menus in advance for your shopping trips.

Save on Utilities

  • Equip the house with storm windows and doors, if possible.
  • Lower the temperature at night.
  • Use lights only when necessary.
  • Make only emergency long distance calls.
  • Stand up when talking long distance or use a timer.
  • Use a phone card for long distance. This gives you a predetermined cost.
  • Conserve water. Water you lawns early in the morning or late at night for maximum coverage. Use a timer when showering to cut water consumption.
  • Adjust your hot water heater to a cooler temperature.
  • Write letters.
  • Give up all unnecessary services on your telephone.
  • Eliminate cable TV or use basic packages rather than premium services.

Health and Medical

  • Serve nutritious meals.
  • Follow safety rules to prevent accidents.
  • Have regular check-ups.
  • Carry only one health and accident insurance.
  • Investigate services offered by the health department.
  • Use immunization clinics.
  • Develop good health habits.
  • Stop using tobacco, alcohol and/or addictive drugs.
  • Learn to take temperature, pulse and respiration.
  • Learn about symptoms of common diseases in order to determine if seeing a doctor is advisable.


  • Sew as much as practical, repair, remodel.
  • Buy clothing that is washable.
  • Carefully coordinate.
  • Launder carefully.
  • Hang on clothesline to dry instead of using a dryer.
  • Organize laundry so that a minimum number of loads are run.
  • Use detergent that works well in cool and warm water.
  • Mend clothes promptly.
  • Have children change to old clothes for rough play.
  • Do not buy clothes that require dry cleaning.
  • Buy clothing that does not need ironing.


  • Use public transportation.
  • Walk to work or school to get exercise and save gas.
  • Get rid of one car.
  • Consider moving closer to work.
  • Drive small cars that cost less to operate.
  • Do your own maintenance.
  • Car pool.


  • Select cosmetics that are reasonably priced.
  • Do your own shampoos, sets and blow-dries.
  • Cut children's hair yourself.
  • Set reasonable amounts for children's allowances and have a definite understanding of what the amount is to cover.
  • Carry only pocket change needed for bus fare and small items.

Recreation and Entertainment

  • Do family things together that are in inexpensive.
  • Consider the costs or habits such as smoking.
  • Attend high school and sports events instead of more expensive college and pro events.
  • Have potluck affairs at home.
  • Take vacations at home.
  • Use public parks and picnic areas.

At Home

  • Learn to do simple repairs.
  • Do your own decorating.
  • Do your own painting.
  • Save newspapers, tin cans for recycling.
  • Improvise if you cannot afford new furniture, shop garage sales.
  • Use worn out towels to make washcloths.
  • Use glass instead of paper cups.
  • Don’t buy lots of different cleaning supplies. Choose 2 or 3 multipurpose cleaners and use them for all cleaning. Cleaning is 80% elbow grease and 20% chemicals.
  • Use washable dust and dishrags rather than paper towels.


  • Use the public library for reading materials.
  • Subscribe to only one newspaper.
  • Trade magazines with a friend to reduce costs.

Gifts and Donations

  • Carefully consider each situation and cut out all monetary giving that you possibly can.
  • Make gifts instead of buying them.
  • Give or your time instead of your money.

Content provided with permission from Money Management International, a non-profit community service organization that provides confidential financial guidance, free consumer credit counseling services, educational resources, and debt management assistance.

For more information or to discuss financial concerns please contact Partners Employee Assistance Program at 1-866-724-4EAP.

In case of emergency, please call 911 or your local hospital emergency service.

This content was last modified on: 01/11/2012

Partners EAP is not a service for the general public.

In case of emergency, please call 911 or your local hospital emergency service.

Call Us: 1-866-724-4EAP