Smaller Ways to Save Money
1. When the soles on your shoes wear through, have them resoled rather than buying new shoes.
2. Get books and movies from the library.
3. Look at your insurance rates and see if they can be lowered by changing to another company.
4. Make your own bread.
5. Unplug appliances when you're not using them--the toaster, the blender, the tv, ceiling fans, the computer, etc. Though I have heard that keeping the computer on is better, I found that when I turned it off at night, and changed nothing else, my electric bill dropped $50 the next month.
6. Turn off the lights and open the curtains during the day!
7. Take shorter showers.
8. Eat soup
once a day as your main course.
9. Don't buy battery operated toys.
10. Wash clothes in cold water.
11. If you have central a/c and heat: Change your air filters regularly.
12. Don't buy dryer sheets. Clothes get static because they dry too long. Use the timed dry setting on your dryer instead. Figure out how long it takes for each load to dry, and set the dial accordingly. Most of my loads are dry in 60 minutes (I dry everything on low). Towels take 80 minutes.
When You Don't Have
Health Insurance
Barter for services. Growing up, my mother traded merchandise from her retail store for our dental cleanings.
Ask for the uninsured or cash-pay discount. Hospitals and doctors sometimes offer discounts to those who are paying it themselves. With the hospital, you will have to ask it for each bill: the emergency room, the hospital itself, and each doctor who sends you a bill.
If it's not an emergency, go to the doctor and not to the hospital. Hospital bills are much larger than doctor's office bills.
Learn how to treat common illnesses and injuries at home.
For immunizations, you can go to your county health department. Shots can be as low as $10, compared to an office visit of $80 plus $35 - $110 for the shot (and that's per shot).