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Seniors: What 'recession' Cuts Have You Made/planned For, In Your Own Spending Budget ?

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Seniors: What 'recession' Cuts Have You Made/planned For, In Your Own Spending Budget ?

Postby Jarell » Mon May 26, 2014 1:19 pm

FQ: Where applicable - which do you regard as the most difficult or hardest to make ?
Jarell
 
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Seniors: What 'recession' Cuts Have You Made/planned For, In Your Own Spending Budget ?

Postby Alured » Mon May 26, 2014 11:05 pm

As fuel bills are rising massively in th U.K. I shall be using my slow cooker a lot more as not only does it do great casseroles,pot roast,suet puddings and even roast meats,it costs only a fraction of the amount used with a gas or electric oven.
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Seniors: What 'recession' Cuts Have You Made/planned For, In Your Own Spending Budget ?

Postby Randkin » Sun Jun 01, 2014 4:56 pm

Not many. I am retired and I prepared for my retirement. I worked government jobs my entire life and am receiving two different retirements from two different states. Both are tied to inflation. I also collect Social Security. Plus, I put money into a separate retirement plan and collect that. Plus I saved money and put that in CD's. I spend the interest each month. Plus, I paid off my house and cars. I put money aside each month so that I can pay cash for another car when the ones I have wear out. I use credit cards for most purchases and pay it off each month. I use the reward points for vacations. My wife has a retirement plan but we haven't touched it yet, just letting it grow. I also haven't touched my insurance policies yet. I worked in prisons my entire life so the work was stressful and the pay lousy but the retirement benefits were great.
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Seniors: What 'recession' Cuts Have You Made/planned For, In Your Own Spending Budget ?

Postby Halsey » Tue Jun 03, 2014 8:21 pm

I rinse my dishes in cold water and only use the dishwasher once a week.

I switch off my TV digi box every night and when I go out for more than an hour, because otherwise the fan keeps working.

I've turned off the heating in my spare room.

I have a selection of 'cardigans', (warm jackets) which I wear on in the evenings rather than turning up the central heating.

I wash my clothes at 20°C.

I buy clothes which don't need ironing, but since I hate ironing, I did that long before I had to considered saving money.

I buy carrots, runner beans and peppers when they are 'on offer', blanch them and then freeze them.

If mushrooms are on offer I cook them in a milk sauce, divide them into portions and then freeze them.


I buy the most expensive dish washing detergent for washing by hand. As the advert says, 'I hardly ever buy ****'.

I don't have a car, but then, where I live public transport is very good.
Halsey
 
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Seniors: What 'recession' Cuts Have You Made/planned For, In Your Own Spending Budget ?

Postby Milburn » Sat Jun 07, 2014 2:56 am

No credit cards, but not hard for me. Got rid of loans eventually. Miss my car an awful lot.

Saved for winter clothing, fleeces etc bought at sales. I begrudge spending now. Put the Gas/lecy into credit, too afraid the day will come when I can't afford to pay. Buy stuff at charity shops.

Forced myself to replace my slow cooker and that has pleased me. Still got my big backed TV as it works well. Don't bathe everyday. Don't have a tumble dryer anymore. Installed a gas hob instead of keeping my large cooker/oven...Bought a halogen cooker and its great.


Hardest is: Can't visit family as they are miles and miles away and I won't travel by public transport on long journeys. There are lots of things, but these are the main things.
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Seniors: What 'recession' Cuts Have You Made/planned For, In Your Own Spending Budget ?

Postby Wharton » Sun Jun 08, 2014 3:35 pm

I think carefully before buying anything these days and wait and see if I can buy what I am running out of with coupons, on sale or clearance or yard sales. And wait as long as I can between grocery trips, saves on impulse buys and gasoline too. There are 4 stores within 2 miles of me that I get loss-leaders or dollar items.
I've given up buying snack foods (well maybe one filled doughnut every other trip, no boxes or big packages) and it is a rare day I go out to eat in a restaurant (over 2 months now). I've hung clothes out to dry all spring, summer and fall and am just now using the dryer again, doing laundry on the coldest days of the week because the dryer helps to add humidity and a little heat to the house. I've got my thermostat set on 65 degrees and am now used to it.
I also bake on the coldest days, homemade rolls and barbecue chicken yesterday and it will be cornbread, chicken & dressing next week on the day it's supposed to snow. I also make my own homemade pizzas for 1/3 or 1/4 the cost of restaurant or delivery pizzas.
I have stopped going clothes shopping (used to go to Ross and the mall about once a month for clearance shopping but no more).
A tank of gasoline lasts me two months now, vs. 3 weeks or so before.
The days of going to Walmart and filling my shopping cart with whatever I want regardless of sale or price is a memory.
The clothing I have bought this past at yard sales (some of it new with tags) for 25 cents each and a few pieces on E-bay were excellent bargains and made me glad I used self-control in spending.
There are things I miss, buying a couple of Women's magazines each time I grocery shop for example, and shopping for clearance sales and even resisting E-bay items. It's my choice and when I make a pot of beans or bake home-made bread I'm thankful for what I've got and eat it like a steak dinner....(which I haven't had in a couple years either).
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Seniors: What 'recession' Cuts Have You Made/planned For, In Your Own Spending Budget ?

Postby Burle » Thu Jun 12, 2014 2:13 pm

None! I've always lived on 90% of my income.
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Seniors: What 'recession' Cuts Have You Made/planned For, In Your Own Spending Budget ?

Postby Garton » Sat Jun 21, 2014 8:40 pm

Quit using our credit cards to both questions..=(
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Seniors: What 'recession' Cuts Have You Made/planned For, In Your Own Spending Budget ?

Postby Shaquille » Tue Jun 24, 2014 3:47 am

We put in a wood burning stove and stocked up on fire wood which I retrieve from the forest myself.
We were going to buy a car but decided the one we have will be fine for a few more years.
We replaced all the windows in the house with much better quality units.
I don't want to give up my DSL :),
Shaquille
 
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Seniors: What 'recession' Cuts Have You Made/planned For, In Your Own Spending Budget ?

Postby Avrill » Thu Jul 03, 2014 2:34 am

Majorly downsizing.

Saying NO to family with hands out.

Not buying a new eco-friendly car. Mine is paid off!

Not creating any new bills.

No credit card debt!

Cutting back on gifts given out throughout the year.

Canning fresh veggies myself when the farmers are selling their goods. Fruits too.

Make my own bread and stop buying the yucky expensive stuff.

Eating more sensibly and inexpensively.


Taking many meats off the grocery list.

Less entertaining.

No in-law gatherings anymore. Huge number of people until someone falls ill and then you never see them!

Angel, will be getting no new clothes! Yes, she is a dog, but she is tiny and gets cold easily; therefore, she needs no new sweaters and such.

I think I have covered all that I have chosen to give up and work towards.
Avrill
 
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