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Easiest Way To Save $200 This Month

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Cash Flow
Broke? The Easiest Way To Save $200 This Month

November 11, 2004

By Meghan Foye

What's it gonna be? Those great-fitting Banana Republic jeans on sale or getting your oil changed? If you're like us, most of the time you'll take the chance that the car won't break down. But, if you know where to cut back, you can be a responsible adult and still look hot.

INSTEAD OF: Paying full price, period
TRY: Buying that full-price dress, but when it goes on sale in a few weeks, ask for a price adjustment. Major stores such as Gap will give you the difference on time within 14 days of purchase. Or go online: has amazing bargains on furniture and clothes. We found a bright-red, comfy-looking couch for only $629.99, with a measly $2.95 shipping fee.
SAVINGS: $5 and up

TOO HIGH BILL: Online Shopping
INSTEAD OF: Buying clothes or other items directly from the website
TRY: Registering at, an “affiliate” site that gives you cash back on purchases. Instead of buying directly from, make your purchase through They take a small part of the commission they receive for referring you, then give you the rest. (You typically get 3 percent for and, and 4 percent for purchases.) Every three months, the site will mail you a check.
SAVINGS: $6, if you buy $150 worth of stuff and get a 4 percent rebate

TOO HIGH BILL: Socializing
INSTEAD OF: Beer or wine
TRY: Scotch or a flavor-infused vodka. Theses slow sippers take more time to drink, so two’s all you need. Two Dewar’s on the rock at $6 each, for example, are only $14 including tip. Four beers at $5 each, plus tip will set you back $24. Plus, distilled spirits won’t give you a beer gut. (A glass of Dewar’s 12 on the rock is sugar-free, carb-free and has less than 70 calories).
SAVINGS: $40 or more, if you go out four times a month

INSTEAD OF: Giant appetizers
TRY: Going ethnic (no, we’re not talking Outback Steakhouse). First courses, such as miso soup at Japanese restaurants or pan-chan (six to eight plates of small bites) at Korean restaurants, are usually smaller, thus cheaper, and are sometimes included in the cost of your dinner. Next time try Thai, Indian or Cuban.
SAVINGS: $6 or more each time you go out

INSTEAD OF: Your monthly plan (you never use all 2,000 minutes!)
TRY: A planless cell phone. You’ll have to police your use, but we’re talking big cash savings here. A recent study of wireless plans uncovered that a whopping 78 percent of the minutes customers pay for go unused on a monthly basis. Some good providers to try: Virgin Mobile ( or TracFone Wireless (
SAVINGS: $20 to $40 a month

TOO HIGH BILL: The Landline
INSTEAD OF: Paying $60 a month to order takeout and get on the Internet.
TRY: Voice over Internet Protocol (VoIP), an internet phone service. Calls sound exactly the same, and you use your phone to make them, but they're made through a broadband connection (cable, DSL, or wireless). Vonage, a Voip service provider costs $14.99 a month for 500 minutes anywhere in the U.S. and Canada, or $29.99 for unlimited local and long distance.
SAVINGS: $20 or more

INSTEAD OF: Fancy Takeout
TRY: Creative fast food. Buy a baked potato with sour cream and chives from Wendy's $0.99 menu and top with their small lowfat chili, also $0.99. Another cheap-o resource is Subway's Sandwich of the Month: They promote a different six-inch sub each month for only $1.99.
SAVINGS: $100, If you usually spend $7 for lunch five days a week and now spend $2.

INSTEAD OF: Paying top dollar
TRY: BJ's wholesale club's gas prices, which are consistently lower than most major suppliers (go to for locations). Many Costco locations also have discounted gas. If you don't usually carry a balance, sign up for a gas rewards credit card such as the Chase PerfectCard, which offers a 6 percent rebate on gas purchases for the first 90 days and 3 percent cash back thereafter. Visit or to compare deals. But remember, this isn't free gas money. You still have to pay it off later.
SAVINGS: As much as $20 a month, depending on how much you drive.

INSTEAD OF: Keeping your TV, DVD player, VCR, stereo and cellphone charger plugged in to the wall
TRY: Plugging your electronics into an adapter and shutting it off when you leave. Even when you're not watching TV, your cable box if eating up energy.
SAVINGS: $5 and up depending on how much you turn off.

TOO HIGH BILL: Car Insurance
INSTEAD OF: Paying high premiums
TRY: Reviewing your coverage. Phil Reed, author of's Strategies for Smart Car Buyers, says most people carry more insurance than they need. Drop collision if you drive an older car, and check your insurance statement to be sure you're getting all the deductions you qualify for (log on to for info). Also, combining car and home insurance can result in a discount.
SAVINGS: Up to $20 per month.

TOO HIGH BILL: House Supplies
INSTEAD OF: Spending a dollar a roll for toilet paper at the convenience store
TRY: A whole sale club--but not alone. It's hard to imagine using six bottles of dish soap before turning old and gray, so once a month my friends and I take a trip to Costco and split the coast," says Weatherly Ramsdell of New York City.
SAVINGS: $20 or more if you buy all your supplies there.

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†AK and HI residents pay $29.95 shipping. ††Limited time offer. Valid for residents of the United States (&DC), 18 years or older, who open new accounts. Offer good while supplies last and only on new account activations. One kit per account/household. Offer cannot be combined with any other discounts, promotions or plans and is not applicable to past purchases. Good while supplies last. Allow up to 2 weeks for shipping. Other restrictions may apply.

1Unlimited calling and other services for all residential plans are based on normal residential, personal, non-commercial use. A combination of factors is used to determine abnormal use, including but not limited to: the number of unique numbers called, calls forwarded, minutes used and other factors. Subject to our Reasonable Use Policy and Terms of Service.

2Shipping and activation fees waived with 1-year agreement. An Early Termination Fee (with periodic pro-rated reductions) applies if service is terminated before the end of the first 12 months. Additional restrictions may apply. See Terms of Service for details.

HIGH SPEED INTERNET REQUIRED. †VALID FOR NEW LINES ONLY. RATES EXCLUDE INTERNET SERVICE, SURCHARGES, FEES AND TAXES. DEVICE MAY BE REFURBISHED. If you subscribe to plans with monthly minutes allotments, all call minutes placed from both from your home and registered ExtensionsTM phones will count toward your monthly minutes allotment. ExtensionsTM calls made from mobiles use airtime and may incur surcharges, depending on your mobile plan. Alarms, TTY and other systems may not be compatible. Vonage 911 service operates differently than traditional 911. See for details.

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