KingOfTheCheapos
Recycles dryer sheets
- Joined
- May 17, 2021
- Messages
- 85
Hi,
I've spent the last few weeks looking at what states minimize sales and income taxes (even visited the South). But then I got back and whilst at the grocery store realized I easily spend $10K a year on groceries (we eat at home a lot).
So groceries are by far my major expense (no mortgage to speak of) but I easily would spend $15K it wasn't for:
i) Grocery Outlet and
ii) Winco
No coupon clipping or clever planning just shopping at cheap supermarkets. I'm continually shocked at how the exact same items at Safeway, Raleys etc cost 50% sometimes double. I don't mean just produce (which can vary in quality) but commodity items like the same brand coffee.
The other major expenses I can reduce are:
i) Mobile phone service: (go with pre-paid version of name carrier. For me it's MetroPCS (T-Mobile's prepaid service) I pay 50% less than T-Mobile.
ii) Home repairs. There is always a network of *licensed* tradesman servicing immigrants in most larger towns.
As for major expenses I can NOT reduce within reason:
i) Home and car insurance
ii) Water, Gas and Elec costs
iii) Property tax
iv) Health insurance
I've spent the last few weeks looking at what states minimize sales and income taxes (even visited the South). But then I got back and whilst at the grocery store realized I easily spend $10K a year on groceries (we eat at home a lot).
So groceries are by far my major expense (no mortgage to speak of) but I easily would spend $15K it wasn't for:
i) Grocery Outlet and
ii) Winco
No coupon clipping or clever planning just shopping at cheap supermarkets. I'm continually shocked at how the exact same items at Safeway, Raleys etc cost 50% sometimes double. I don't mean just produce (which can vary in quality) but commodity items like the same brand coffee.
The other major expenses I can reduce are:
i) Mobile phone service: (go with pre-paid version of name carrier. For me it's MetroPCS (T-Mobile's prepaid service) I pay 50% less than T-Mobile.
ii) Home repairs. There is always a network of *licensed* tradesman servicing immigrants in most larger towns.
As for major expenses I can NOT reduce within reason:
i) Home and car insurance
ii) Water, Gas and Elec costs
iii) Property tax
iv) Health insurance