All the quot;save money tipsquot; lists tell you to stop buying lattes and going to the moviesBut what if you're already living cheap? I don't spend money on extras like eating out, going to the movies or other attractions, etcI don't buy clothes or makeup unless I need them and look for dealsI only buy a few things brand nameI don't have cableWe switched to cell phones only and save that wayI have only LCD and CF light bulbs and I regulate my heat and AC to saveMy husband and I work full time and have 2 dogs, no kids.Our steady bills are our mortgage, hubby's student loan, utilities, Netflix, Comcast internetI also have regular medical bills, but we have good insuranceIt usually costs $50-$80 a monthThe rest goes to groceries and household needsI try to stick to a $65 grocery budget every 2 weeks, but it ends up being $100 or so.Is there anything else that can be done? I've started getting coupons to try to save on the brand name products we buy, but I really can't think of anything else.
For the major items, is there a way to refinance the mortgage or student loan to get a much lower rate? The mortgage rates are really low now but there is usually a cost to refinancing but if you plan on staying in the home for a long while than it will save you moneyFor the minor items I would look into cutting out Netflix (can usually borrow DVDs for free in libraries), groceries(cut out junk food, goto stores selling cheaper items egAldi, use generic names), Comcast internet may be substituted which a cheaper Internet service(egATT DSL)Eventually, you can only save so much you will need to focus on increase your income if you put in the extra time/effort.
aluminium is etremely used in the buildings as a handrail, ladder, stair rails where the environment is prone to corrosion.
