U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > General Forums > Economics > Frugal Living
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
Reply Start New Thread
 
Old 12-31-2016, 02:45 PM
 
Location: San Bernardino County (previously L.A.)
4,482 posts, read 7,530,097 times
Reputation: 3862

Advertisements

Just to get an idea, I really want to save like mad for 2017. I got lots of HUGE stuff to save up for. What kind of budget for the MONTH would you set for 2 adults? (I'm in California, by the way...high COL & we love food! Rent for 1 bed/bath is $1510/mo & moving out of question.)

I was thinking:

Dining Out: $50 - 75 (that's 1 restaurant & maybe 1 casual eatery)
Entertainment: $25 (1 movie shouldn't be too bad, if that)
Personal: $50-75 (magazine, smoothie, etc.)
Groceries: ??? What would you say for organic/healthy foods?

I don't have to worry about :

- dry cleaning
- new clothing/shoes (I'm trying not to buy ANY for the whole new year)
- coffee, liquor, cigarettes (never did any of that)
- children or pet care (don't have any at this time)
- live performances (will maybe go to 1-2 musicals in the whole year, if even that)
- manicures, pedicures, facials, massages (never really did any of that)
- cars (been paid off, thank God!)

I've also just subscribed to some YouTube channels about $ & budgeting & started reading this book (Rich B---h by Nicole Lapin).

Any other suggestions, ideas, etc.? Thanks a lot!
Reply With Quote Quick reply to this message

 
Old 12-31-2016, 05:58 PM
 
506 posts, read 414,006 times
Reputation: 1365
www.giftcardgranny.com

Search there before you go out to eat, buy clothing or go to the movies to see if you can get gift cards.

Usually for dining out you can get them for 30-40% discount.
Reply With Quote Quick reply to this message
 
Old 12-31-2016, 06:23 PM
 
Location: North State (California)
28,078 posts, read 2,192,400 times
Reputation: 9824
Maybe you can see if there is a free version of the magazines online. As far as the live shows go, see if any of the local colleges have a music or drama dept, you can often get to see some really great shows & music recitals, for free or low cost. I don't know about your grocery budget, my new food & household budget is going to be $250 per month, (2 of us) but I don't always buy organic & we eat meat or fish free meals at least once a week, Lentils are one of my faves. I also shop at Grocery Outlet, Safeway is far too expensive. Of course I am retired so I have the time to cook most days.
Reply With Quote Quick reply to this message
 
Old 12-31-2016, 07:24 PM
 
1,012 posts, read 947,343 times
Reputation: 2055
Do you have cable tv? If so, try an antenna. If it works in your area, you can potentially save some big $$.
We use one, and also subscribe to Netflix. We save about $80/month. But even better, we're not paying for stuff we're not watching.
Reply With Quote Quick reply to this message
 
Old 12-31-2016, 07:43 PM
 
Location: Paranoid State
12,662 posts, read 9,420,097 times
Reputation: 14916
Internet access???
Reply With Quote Quick reply to this message
 
Old 01-01-2017, 12:20 PM
 
Location: North State (California)
28,078 posts, read 2,192,400 times
Reputation: 9824
One thing that helped us save money was got set up automatic withdrawals from our checking accounts, & have them deposited into either a money market or a no load mutual fund. If you say take out $50 or $100 a paycheck, it can add up fast, If you schedule it to be taken out as soon as your pay check arrives, you don't have the chance to spend it on something else. Make it an online account & do not get an atm card, that way you can't spend it until you transfer it back, but only transfer it back in case of emergency or large purchase ( that you have been saving for)
Reply With Quote Quick reply to this message
 
Old 01-02-2017, 08:32 PM
 
Location: San Bernardino County (previously L.A.)
4,482 posts, read 7,530,097 times
Reputation: 3862
OP back. Thanks a lot so far guys!

Speaking of ONLINE BANK ACCOUNTS, anyone know of a good company? Please post the link if you don't mind. And how do you withdraw $$ if you want to if there's no B&M bank location?

Any other ideas?
Reply With Quote Quick reply to this message
 
Old 01-03-2017, 08:06 AM
 
Location: North State (California)
28,078 posts, read 2,192,400 times
Reputation: 9824
I have it set up so it can transfer online to my local bank. For mutual funds, you would likely have to make a phone redemption & get the check in the mail. But hard core savings should not be touched often, & if you are saving for something specific, then you know in advance when you will need the money, so you can plan to draw it out on time. You can google banks & their ratings. Most high street banks also have online access, which is great for bill paying.
Reply With Quote Quick reply to this message
 
Old 01-03-2017, 12:18 PM
 
74 posts, read 51,357 times
Reputation: 73
Quote:
Originally Posted by Forever Blue View Post
Just to get an idea, I really want to save like mad for 2017. I got lots of HUGE stuff to save up for. What kind of budget for the MONTH would you set for 2 adults? (I'm in California, by the way...high COL & we love food! Rent for 1 bed/bath is $1510/mo & moving out of question.)

I was thinking:

Dining Out: $50 - 75 (that's 1 restaurant & maybe 1 casual eatery)
Entertainment: $25 (1 movie shouldn't be too bad, if that)
Personal: $50-75 (magazine, smoothie, etc.)
Groceries: ??? What would you say for organic/healthy foods?

I don't have to worry about :

- dry cleaning
- new clothing/shoes (I'm trying not to buy ANY for the whole new year)
- coffee, liquor, cigarettes (never did any of that)
- children or pet care (don't have any at this time)
- live performances (will maybe go to 1-2 musicals in the whole year, if even that)
- manicures, pedicures, facials, massages (never really did any of that)
- cars (been paid off, thank God!)

I've also just subscribed to some YouTube channels about $ & budgeting & started reading this book (Rich B---h by Nicole Lapin).

Any other suggestions, ideas, etc.? Thanks a lot!
You should be fine with about $160 a month for groceries, however, it will require couponing and looking at various store sales ads to stay within that budget. Believe me, years ago I was able to buy a months worth of groceries at $150 for two people so it's definitely possible.
Reply With Quote Quick reply to this message
 
Old 01-03-2017, 12:24 PM
 
10,696 posts, read 20,114,276 times
Reputation: 9849
Quote:
Originally Posted by lwilson80 View Post
You should be fine with about $160 a month for groceries, however, it will require couponing and looking at various store sales ads to stay within that budget. Believe me, years ago I was able to buy a months worth of groceries at $150 for two people so it's definitely possible.
Years ago bread was $1.00 and eggs were $0.50.
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:

Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > General Forums > Economics > Frugal Living
Similar Threads
Follow City-Data.com founder on our Forum or

All times are GMT -6.

2005-2018, Advameg, Inc.

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35 - Top