Saving Money Without Reducing Quality: Food, Clothes, Shoes, Housing, And Other Necessities
James 2:15, Suppose a brother or sister is without clothes and daily food.
James 2:16, If one of you tells them, “Go in peace; stay warm and well fed,” but does not provide for their physical needs, what good is that?
From James’s Letter
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.
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, Clothes, Shoes, Hair Care, Presents, Books, Transport, Internet and Telephone, Computer Software, A Place To Live, Debit Cards Not Credit Cards.
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, for nutrients that do not exist in plants;
5: some seaweed, for trace elements that are often deficient in land plants.
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.
Hair Care
All you need is a brush and scissors.
I have not been to a barber in over 55 years.
I do it myself.
I brush my hair and use a chrome scissors to cut my hair.
I never put anything on my hair.
I just let my hair grow naturally.
A man, can save $400 to $600 per year.
A woman, a lot more.
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 go to Libraries.
Even if you are not a member of the Library, you can still read the books at the Library.
You can also Download my Free Goddess Christianity Ebooks from:
https://drive.google.com/drive/folders/1k94xSy8NaEWg1k8vzd2qoJwsi8qAGIaI
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.
Entertainment
You can watch free movies on YouTube and other places.
Use this link to find free comedy movies on YouTube.
https://www.youtube.com/results?search_query=free+comedy+movies
You can save time by running them at 1.5 times normal speed.
You can save money by running these free videos at lower resolutions.
On small screens, telephones, even a 14” notebook computer, you might not even notice the difference between 240p versus 480p; or 480p versus 720p
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/download/desktop
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
Get Debit Cards.
I Do Not Have Any Credit Cards, I have Debit Cards
I have one Debit Card for general use.
For security on the internet, I have a separate Debit Card, to pay for things, such as Domain Names and URLs, on the internet.
I only keep a
few hundred dollars, on this second 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.
The Complete Goddess Christianity Bible Epub And PDF
https://drive.google.com/drive/folders/1k94xSy8NaEWg1k8vzd2qoJwsi8qAGIaI
Goddess Christianity PDFs
Goddess Christianity – The Holy Spirit Is Female
How Jesus Healed People – And How You Can Too – A Scientific Explanation
Saving Money Without Reducing Quality
Living Well Below The Poverty Line
Housework For Men - A Clean House Is Not Always A Sign Of A Wasted Life
Veganic Gardening - Cruelty Free Gardening
Should Christians Be Vegetarians
No-Kill, Calves Naturally Weaned, Free-Range, Cattle, Goats, Sheep, Poultry, Treated As Pets
Humane, Sustainable, Healthy Cow's Milk, Sheep's Wool, And Hen's Eggs
