Clothing and personal care expenses are necessary expenses but there are ways to save money.
Clothing
* Buy only because you need clothing and buy only those items that will fit into your present wardrobe. If you are choosing between two outfits, buy the one that goes best with what you already have.
* Buy good, usable clothing from thrift shops, garage sales, warehouse outlets, discount centers, and yard sales. Check any purchases first for stains or worn spots.
* Make purchases during sales time: clearance, end-of-month, or end-of-season.
* Buy versatile clothes that will expand your wardrobe, i.e., a sweater you can wear with two pairs of slacks you already have.
* Instead of buying new clothes, buy accessories that give a new look to the clothes already in your closet.
* Buy multi-season clothes such as an all-weather coat with a zip-in lining.
* Remodel or recycle an outfit you already own.
* Use cloth diapers and launder them yourself.
* If you know how to sew, consider saving by sewing your own clothes, but estimate costs carefully. You may be able to buy certain items on sale for less than you would spend on fabric and supplies.
* Share or trade sewing skills with family members or others in your community.
* Swap outgrown children’s and/or maternity clothes with neighbors or friends. Consider doing the same with shoes, ice skates, sports equipment, baby accessories, activity or school uniforms, etc.
Clothing Care
* Always consider care costs before purchase by checking the care label. Washing by machine costs less than dry cleaning.
* Keep clothes clean and in good repair. Remove stains promptly.
* Store clothes properly to protect from sun, moths, mildew, stretching, etc.
* Protect shoes and other leather items from water and salt stains.
* Buy minimum-care clothing: washable, dark colors. Dark clothes usually show wear less than light colors — especially coats, slacks, etc.
* Use self-dry-cleaning services and dry-clean your own clothes. Make sure all stains are removed before dry-cleaning. Self-dry-cleaning kits don’t usually work well on oil-based stains such as lipstick, grease, butter, etc.
* Share a dry-cleaning load with a friend if you don’t have enough for a full load.
Personal Care
* Use a mixture of baking soda and salt for brushing teeth.
* Buy personal care items from discount stores or wherever you find a personal care product on sale.
* Buy necessary items such as shampoo and toothpaste at reduced prices when stores offer “specials.” Stock up on specials but no more than you can reasonably use within the life of the product.
* Compare generic, store, and national prices — you may be paying for advertising.
* Give haircuts and permanents at home. Adopt a hair style you can manage yourself and which doesn’t need expensive care products and/or upkeep.
* Try inexpensive cosmetics. Similar ingredients are used in like cosmetic products. The difference in price is often due to promotion and advertising costs.
* Watch for coupons and rebates for personal care products.
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I’ve always loved poking around in thrift stores, flea markets and garage sales. My mother and I would always try to hit up the weekend garage sales when we lived in Brooklyn and then we’d go for lunch afterwards. 
Now that I have two daughters, I’m happy that they enjoy it also – because it’s much more fun going with someone else.
We went to two thrift store in our neighborhood over the weekend. Here’s some of what I picked up.
This candle and flowerpot have found a home on my kitchen windowsill. I put in an order with the Easter Bunny for some kind of small plant for the flowerpot. Each item was $1.00.
This bunny is made of wrought iron (which I love!) and has a place for a tealight candle. It was $3.00.
I have a bunch of rectangular heavy-duty plastic trays that I bought several years ago and we use the all the time, for a bunch of different things but mostly for carrying snacks and drinks out to the back yard. They’re starting to crack so I’ve been trying to find more (without having to buy them new). I didn’t find any rectangle ones but I did find a round one for $1.00.
The two plastic dishes were .25 each and they’ll go under a plant somewhere outside. The butterfly trivet was $3.00, new in the package. I’m not going to use it as a trivet though…I’m going to try and mosaic it over the summer and hang it up outside. We’ll see what ends up happening. lol
This was my favorite find of the day! I love this handpainted, wooden bowl. It’s on my kitchen table right now waiting to be filled with treats and fruit. It was $3.00. Also, in both stores everything was 30% off.
I also picked up a binder (with some paper inside it) for $1.00, a pack of bird stickers for .25, a package of party invitations for .25 and a new (in the package) game of Cribbage for .50. We don’t know how to play and I know my daughters like learning new games so I bought it for one of those days when the weather is not so great and we’re looking for something new to try.
PS: This post is part of Second Time Around, Thrift Store Thursday and Junk Party.
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You know it’s important to save money, whether it’s for an emergency fund, your retirement, or to buy something special. But it’s not always easy to stash any spare cash.
1. Consider yourself a creditor. When you pay your bills, write a check to yourself. Decide on a realistic amount. Deposit the money into a savings, investment, or retirement account. Then, pay your other bills as usual. If you find that you don’t have enough money to cover all your expenses, write down the amount you are short and look for ways to trim your budget: Borrow books from the library rather than buying new; brew your own coffee rather than buying it; consider raising the deductible on your auto insurance; buy store brands instead of name brands; cancel subscriptions to magazines you don’t read or can find at the library or online.
Once you establish a regular savings plan, consider increasing your monthly deposit if you get a pay raise, or when you pay off a debt. For example, once you pay off your car loan, student loan, or other installment debt, deposit that amount into a savings account. Once your toddler is out of diapers, deposit the amount you spent on diapers into savings. You won’t miss the money if it’s put into savings, but more than likely, you’ll find a way to spend it if it’s in your checking account.
2. If you need some fast cash, consider selling items around the house you no longer use, either online, at a garage sale, or at a local consignment shop. When you sell online, you may use an auction or classified ad site. Check the sites for policies and procedures. When you agree to consign items to a shop, you’re a consignor. You still own your stuff, but you give the shop the right to sell it. The shop becomes the consignee. When the items sell, you get a percentage of the selling price that you agreed to in advance. A profit split of 50/50 or 60/40, with the higher percentage going to the shop, is typical.
3. Avoid payday lenders. A payday loan is a cash advance secured by a personal check or paid by electronic transfer. It is very expensive credit. How expensive? Say you need to borrow $100 for two weeks. You write a personal check for $115; $15 is the fee to borrow the money. The check casher agrees to hold your check until your next payday. When that day comes around, either the lender deposits the check and you redeem it by paying the $115 in cash, or you roll-over the loan and are charged $15 more to extend the financing 14 more days. If you agree to electronic payments instead of a check, here’s what would happen on your next payday: the company would debit the full amount of the loan from your checking account electronically, or extend the loan for an additional $15. The cost of the initial $100 loan is a $15 finance charge, which works out to an annual percentage rate of 391 percent. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.
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