51. Buy fruits and vegetables in season and become a vegetarian, so you don't have to buy any expensive meat
52. Avoid using your ATM card at machines that charge a fee. After all, since you can only withdraw $20, a $2 fee = 10%
53. Bicycle to work. They have bike racks on the little train that runs from the parking ramp to the MSP terminal
54. Shop around for auto insurance discounts for multiple drivers, seniors, good driving records, etc. Make sure you don't include your kids on your insurance policy, no matter what
55. Ask your doctor for samples of prescriptions. Then run!
56. Borrow a dress for a big night out, or go to a 101 Ways To Save Money
consignment shop. Maybe you can learn to sew like your great grandma did
57. When you buy a home, negotiate the sales price and closing costs. Don't get screwed by a realtor, you have already been screwed by your employer
58. Turn the hot water heater down and wrap it with insulation. Lukewarm showers are good for you
59. Never grocery shop hungry, even though you will always be hungry on your meager salary
60. If you qualify, file for Earned Income Credit on your taxes. Poverty is also qualifying
61. Shop around for prescriptions including mail order companies (Medi-Mail 800-331-1458, Action Mail Order Drugs 800-452-1976, and AARP 800-456-2277). Ask Grandma for some of hers too
62. If you pay for childcare, make use of the dependent care tax credit or your employer’s dependent care flexible spending account. Better off leaving your children with a relative who makes more than you, however
63. Buy, sell, and trade clothes at consignment shops and hold yard sales every other weekend
64. Shop around for the lowest banking fees, but remember, you don't have a lot of money to put into an account anyway
65. Caulk windows and doors on the bus you got from the junkyard
66. Iron your own shirts with the rusty iron you dug out of the dumpster
67. Plan your weekly food menu before shopping. Ramen, beets, and water
68. Buy a good used car instead of a new model car. Go to a police auction to do this
69. Purchase all of your insurance from the same company to get a discount, but you don't need life, health, or fire insurance. They are scams anyway
70. Cut your cable television down to basic, as in toss your TV off your roof
71. Go to an optometrist for routine vision tests or to change an eyeglass prescription. Have your neighbor pretend to be an optometrist for some real fun!
72. Buy pre-owned toys and children’s books at garage sales. You can also buy your clothes and yard tools there too, even if the clothes have puke on them and the yard tools don't have an engine on them
73. Have potluck dinners with friends and family instead of going out. Then box up the leftovers
74. Use the library for books, video tapes, and music and internet and maps and sleeping
75. Inspect clothing carefully before purchasing it at Goodwill
76. Don’t use your dishwasher dry cycle; open the door and let them air dry all night and get germs on them and hope you die
77. At the grocery store, comparison shop by looking at the unit price. Walmart is great for doing this
78. Make your own coffee on the stove with Sanka
79. Use old newspapers for cat litter and drying yourself off
80. Shop at discount clothing stores like the Salvation Army
81. Skip annual full mouth X-rays unless there is a problem; the ADA recommends X-rays every 3 years. Ok, we made that up, since it should be done every year
82. Water your garden at night or early in the morning using your neighbors hose
83. Shop around for long distance rates, but don't use them
84. Hand wash instead of dry cleaning. Get one of those big wooden tubs and you can pretend you live in the 18th century!
85. Grow your own vegetables and herbs and apple trees and hopefully a money tree
86. Shop around for auto financing for that Yugo you bought
87. Donate time instead of money to religious organizations and charities, but make sure your at work on time
88. If you are leaving a room for more than five minutes, turn off the light. Hey billy, I'm going to make a sandwich, I'll be back in 10 minutes, keep working on your homework, but I am going to turn off the light
89. Shop at auctions or pawn shops for jewelry and antiques. You won't see management there, but that's ok! We're over at Tiffanys
90. Keep your car properly tuned. That jalopy you drive needs to last
91. Request lower interest rates from your creditors, but do it before they come banging on your door with baseball bats
92. Trade in old books, records, and CDs at book and record exchanges. Use the 75 cents you get to buy a newspaper and check the stock page in which you have no part of
93. Pay bills the day they arrive; many credit card companies charge interest based on your average daily balance. Which should be around 17,000 dollars
94. Buy software at computer fairs. Old Macontish computers still work
95. Search the internet for freebies. Don't get any viruses by clicking on those ads that ask who is hotter, Paris Hilton or Angelina Jolie
96. Compost to make your own fertilizer. You can make your own fertilizer in the toilet, too
97. If your car has very little value, you probably only need liability insurance. Hell, don't have any insurance at all
98. Cut the kids hair yourself with a butcher knife
99. Increase your insurance deductible to 3000 dollars. Your car isn't worth that much anyway
100. Buy in bulk food warehouses. You can get bulk ramen, bulk ketchup, whatever else you want
101. If your income is low, contact utility companies about reduced rates. Your income is definitely low.
