Saving Money Without Reducing Quality: Food, Clothes, Shoes, Housing, And Other Necessities
NOTE: I Am Giving My Personal Opinion.
Nothing,
I Write, Is To Be Taken As Financial Advice.
Or,
As A Substitute For Financial Advice.
Saving money does not mean being a cheapskate and always
buying the cheapest.
Think of the quality and the overall
lifetime cost of the product.
Better quality clothes and shoes,
you pay twice as much for, can last 4 times as long; and, you are
wearing better clothes and shoes.
With both rising
interest rates, and rising inflation, more and more people are
feeling financial stress.
It certainly did not help, when people
were told in 2022, that interest rates would not rise until 2024, and
any inflation would only be temporary.
More debt = higher
interest rates.
I do not think that Governments can borrow 1
trillion dollars, in an economy the size of Australia’s, and not
cause a rise in interest rates.
Fortunately, the more astute,
used that money to invest or to pay off their personal debt.
More
money, fewer goods = inflation.
I do not think that Governments
can use a lot of that money, to pay a lot of productive people to
stay home and not produce anything, and not cause inflation.
So,
now, the politicians have caused your problems, what can you
do?
Increase Income Or Reduce Expenditure?
Income
is taxed.
Money saved is tax-free.
$100 saved could be
equivalent to a $200 increase in income.
What Are Your Necessities?
Food
Good
food is very important for your health.
And.
Keeping
healthy is a very important part of saving money; and, so lowering
your cost of living.
So.
Do not skimp on food.
For
a healthy diet, I include:
1: fresh raw fruit;
2:
fresh, raw or lightly cooked in water, vegetables, including some
green vegetables;
3: fresh, raw nuts or peanuts;
4: some
animal-products, such as low-fat Cow’s milk.
I buy
quality, at a reasonable price.
Asian Grocery Shops, can
be much cheaper.
For fruit, vegetables, nuts, peanuts, other
seeds, seaweed, herbs and spices.
Indian Grocery Shops,
can be much cheaper.
For Cow’s milk yoghurt in 5 kg
containers, nuts, peanuts, other seeds, wholemeal flour in 5kg and 10
kg bags, herbs and spices.
Markets, can be much
cheaper.
Especially, during the last hour before closing
time.
For fruit, vegetables, nuts, peanuts, other seeds, herbs,
spices.
Even cheaper in 10 kg and 20 kg boxes and
bags.
Supermarkets.
Look for Specials and Home
Brands.
Instead Of Takeaway Food
Quicker
and healthier to have some raw fruit or vegetables; with some nuts,
peanuts, Cow’s milk or yoghurt.
Clothes
Buy
quality clothes that are comfortable; durable; you will enjoy
wearing; and, will not go out of fashion.
I like natural
fibres.
Such as Sheep’s wool, cotton, bamboo.
As well as,
viscose, rayon, and some others, that are made from the cellulose in
wood-chips.
Any time, on entering a shop.
First, look
at the discount section.
Also, buy Winter clothes at
Summer Sales.
Summer clothes at Winter Sales.
End of
season sales.
End of financial year sales.
Shoes
Similar
to clothes.
Buy quality shoes that are comfortable; durable; you
will enjoy wearing; and, will not go out of fashion.
Shoes,
you pay twice as much for, can last 4 times as long.
And, you
are wearing better quality shoes.
I like black shoes with
black soles as they do not show the dirt.
On entering a
shop.
First, look at the discount section.
Presents
Anything
you bought, and find you do not want, can be kept in new condition,
in the original packaging, and used as presents.
Books
You
can Download my Free Ebooks
from:
https://www.smashwords.com/profile/view/LactoVegan
Transport
Exercise.
Walking,
running.
Public Transport.
Live near safe, reliable,
fast, frequent, public transport, like a train station.
Internet and Telephone
I use prepaid.
More expensive
but no bill-shock.
Computer Software
I
use FOSS, [Free Open Source Software], for everything.
Including
Word Processing, writing ebooks and PDFs, doing spreadsheets, editing
photos, internet ...
I use the Ubuntu Operating System,
which is free from: https://ubuntu.com
Ubuntu comes with
all the free software, you might ever need, already installed.
Such
as Free Security, LibreOffice, Firefox Web Browser, ...
I
just add GIMP Graphics and Foliate Ebook Reader.
All you
need to do is, click on Software Updater, every time you connect to
the internet.
And, Software Updater will update everything,
including your security. operating system, and programs.
Instead Of Gambling
Casinos and Betting Agencies set the
odds so they win and you lose.
Sometimes, you can win at
gambling.
But, overall, you will lose more than you win.
If
you are addicted.
Install a computer program and lose your money
to yourself.
FOSS, free open source, of course.
Cards.
Play
500 or Bridge, for the skill.
Instead of Poker, for the
gambling.
Instead Of Smoking, Alcohol, Other Drugs
Do you really need them?
Best not to
start.
If you are addicted.
Change your world-view
from that of an addict to that of a non-addict.
There are other
ways to get high, happy, or to distract yourself.
Instead Of Gym
Make some weights to use at home.
Do
some balance exercises, such as standing on one foot, while putting
on and taking off, your shoes and socks.
And, some flexibility
exercises.
A Place To Live
Go
home to your parents.
Share a house or apartment.
Become
a housekeeper, but do not let anyone exploit you.
Value your
time versus what you are getting.
For example:
Housework,
$30 per hour.
Share house, $250 per week.
Make a
deal.
Like sharing a house.
But, for example, you keep the
house clean and tidy, the garden neat and tidy, in return for a free
room.
Householder, gets 6 hours housework and gardening,
for $20 per week for your extra water and electricity.
You, save
$250 per week, on sharing a house, for 6 hours of your time.
But,
be very careful, who you get.
A Note For People With Credit Cards
Every dollar, you spend on
interest; is 1 less dollar, you can spend on what you want.
I
Do Not Have Any Credit Cards
I have Debit
Cards.
For security on the internet, I have a separate Debit
Card, to pay for things, such as URLs, on the internet. I only keep a
few hundred dollars, on this Debit Card, in case it gets hacked.
A Note For Homeowners With Extreme Mortgage Stress
This
is my personal opinion.
My personal opinion is
not to be taken as financial advice.
Or, as a
substitute for financial advice.
You could go
home to your parents; share a house; or, move to a State Forest.
And,
get a tenant for your house.
This way, you could get extra
income from the rent.
And, your interest on your home-loan, as
well as maintenance and repairs, could become tax-deductible.
You
will probably need to officially change your residential address, on
your driver’s license, for the Tax Office to give you a
tax-deduction.
And, tell your money-lender, who might now
classify your home-loan as an investment-loan.
As well as,
tell your insurance company.
Goddess Christianity - The Holy Spirit Is Female
You can download my,
"Goddess Christianity - The Holy Spirit Is Female", PDF
from:
https://drive.google.com/file/d/1Kz9OF6s3CzRD4ZyBGgfzpoakcSVKZbEF/view
My, “How Jesus
Healed People – And How You Can Too – A Scientific Explanation”,
PDF from:
https://drive.google.com/file/d/1EOwdUgAZuyGQi6ZfiZlYL-BxA9xfOtz2/view
My Free Ebook, to
Download or Read Online, “How Jesus Healed People A Scientific
Explanation”, from:
https://www.smashwords.com/books/view/503785
And, my Vegetarian
Information Center PDFs from:
https://VegetarianInformation.com
Including, “Humane,
Sustainable, Healthy Commercial Cow’s Milk, Sheep’s Wool, And
Hen’s Eggs; From Free-Range, Cattle, Sheep, And Poultry, Treated As
Pets”.
https://drive.google.com/file/d/1pQRjqK7Df5f9NGRQA81M_W5w_hQXJvDP/view
