How to Spend Less Without Being Miserable

<p>Introduction</p> <ol> <li>You have to want to do it </li> <li>Get your kicks somewhere else </li> <li>Know your budget </li> <li>Remember the glass is half full </li> <li>Save time </li> <li>Get organised </li> <li>See it as a challenge </li> <li>Make bargain-hunting a hobby </li> <li>Know when a bargain is not a bargain </li> <li>Hoard your savings </li> <li>Try an alternative savings scheme </li> <li>Look for cheap thrills </li> <li>Give yourself a cooling off period </li> <li>Imagine yourself without it </li> <li>Put it away before you get it </li> <li>Ringfence funds </li> <li>Use big money </li> <li>Say never never to the never never </li> <li>Think green </li> <li>Sell things </li> <li>Be a barterer </li> <li>Get online </li> <li>Don’t window shop </li> <li>Carry cash </li> <li>Don’t play with pretend money </li> <li>Freeze your assets </li> <li>Do your weekly shop online </li> <li>Never shop for food on an empty stomach </li> <li>Shop in a hurry </li> <li>Cut out coupons </li> <li>Milk your loyalty </li> <li>Make the most of supermarkets </li> <li>Shop for quality, not quantity </li> <li>Shop for quality, not for price </li> <li>Calculate the price per wear </li> <li>Decide what it’s worth </li> <li>Be mail order savvy </li> <li>Check out the benefit of brands </li> <li>Ask yourself if you need it </li> <li>Always try to buy in bulk </li> <li>Try smaller companies for size </li> <li>Get into the haggling habit </li> <li>Never pay the asking price </li> <li>Buy with selling in mind </li> <li>Net yourself a bargain </li> <li>Shop twice </li> <li>Join mailing lists </li> <li>Buy at auction </li> <li>Get competitive </li> <li>Know when to sell… and when to buy </li> <li>Support your local farmer </li> <li>Stick to tap water </li> <li>Change your habits </li> <li>Buy less food </li> <li>Buy cheaper food </li> <li>Be a sneaky cheapskate </li> <li>Cook for yourself </li> <li>Use your leftovers </li> <li>Use your freezer </li> <li>Cook less food </li> <li>Eat on the cheap </li> <li>Become a vegetarian </li> <li>Grow your own </li> <li>Free food </li> <li>Stay in </li> <li>Go out later </li> <li>Hold a swap shop </li> <li>Bargain competition </li> <li>Set up a babysitting circle </li> <li>Meet for lunch </li> <li>Share and share alike </li> <li>Swap your house </li> <li>Book late </li> <li>Holiday at home </li> <li>Work to live </li> <li>Avoid currency traps </li> <li>Get the kids involved </li> <li>Think hard about insurance </li> <li>Check your statement </li> <li>Look for the best deals </li> <li>Switch off </li> <li>Don’t heat what you don’t use </li> <li>Turn it down </li> <li>Save water </li> <li>Save petrol </li> <li>Practise phone economics </li> <li>Do your own </li> <li>DIY </li> <li>Make presents </li> <li>Get the kids to make presents </li> <li>Agree a budget </li> <li>Have a family draw </li> <li>Use cheap wrapping paper </li> <li>Trim your Christmas </li> <li>Shop in the January sales </li> <li>Try a student </li> <li>Recycle your kids’ clothes </li> <li>Get hitched on a budget </li> <li>Have a budget baby </li> <li>Don’t give up</li> </ol>