VIDEO ON MSN MONEY
Save $33 a month by adjusting your refrigerator temperature? Even an inefficient refrigerator/freezer will use less than $20 a month in electricity. Adjusting the temperature might save you 15% of that, or $3.
Also, regarding appliances and surge protectors: Yes, there are "phantom loads" associated with appliances - energy that is used even when the item is turned off. But $30/month is a gross exaggeration for a normal household. More importantly, you omit that you then have to TURN THE SURGE PROTECTOR OFF to get the savings, which involves leaving a bunch of power strips in plain view or crawling behind furniture to get to them.
Personally, I would not put anymore of my private information into ANY app: please be careful folks, the Internet is a scary place to keep your private 411.
I live very frugally due to underemplyment: I find it difficult to live on what I make, but I prioritize and most definitely do NOT allow myself most indulgences.
I was a huge spendtrift the first 35 years of my life: I regret it now, but I can say that I have traveled many places in the world, have worn the trendiest clothing, etc...
Now? What a different world we live in!
DO not use credit cards: first and foremost rule.
Secondly: do not care what other people and "stylists" in magazines wear/buy/suggest - a woman can get so caught up in what I call "competitive" dressing. It's ridiculous, forget it, buy quality clothing that is seasonless and washable, if possible.
Thirdly, quality makeup and toiletries do not have to be Chanel. Lancome makes L'Oreal products - worth the money and not as much of a sting in the wallet. Men can find very affordable toiletries in CVS as well.
Fourthly, your haircut should NOT cost hundreds of dollars - truly unnecessary. This applies to men and women.
COFFEE: does not have to be more than $2.00 - this applies to men and women.
I bring my breakfast and lunch to work every day and only go out for lunch with friends 2 times a month.
If you book that trip to Paris for the early summer sales, just remember that with the exchange rate, you will be paying a very hefty premium of likely anywhere from 30 to 40%. Additionally, your credit card company and bank will most likely hit you with hefty transaction fees at 3% minimum. Spending locally (if you're going to spend at all) seems much smarter if you're watching your money.
This says quite a lot about women and fiscal responsibility (in general)
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