Just a quick thought for tonight. If you don't think of things ahead of time, you may miss out on simple ways to save a few extra bucks.

What brought this to mind was a few months ago I had to replace two tires to have my car pass inspection. I tried to get a low price / decent quality tire. As I'm not Mr. Auto Fanatic, I'm not sure how I did, though I know I didn't do too bad. In any case, I remembered last time there was a tire disposal fee. I checked with my county disposal service before the tire change and found you could dump off tires for $1 each. So when the paperwork was being written up I paid attention for that, and saw they would charge $3/tire. I asked to have the tires left in my car, and then dropped them off at the dump myself for $1. Ok, not a large payoff ($4), but considering the cost (10 minutes of time & 3 extra miles of wear on car), I think it was a smart decision.

Moral of story: just think ahead to situations where you can save a few bucks easily.

Everyone out there has ideas on how to make your money work better for you. And I have to admit some of them are good ideas, a few of which I've taken to heart. One thing is rarely mentioned, and for me, I think thats a real shame. That is learning to do things for yourself.

If you are a home owner, you live in dread of having someone come in and give you an estimate on installing windows, doors, carpeting, roof (and the list goes on). Paying handymen to do basic work is the way to the poorhouse (provided you have the time to do the work yourself). You know, doing this type of work doesn't take a genius to do. Come'on think about it, do you recall the guys that you have had come in to do the work? Were they smarter than you?

Since I've owned my house I have replaced my whole roof for $700 (Corning brand shingles, it was hard work and it is a medium sized roof), replaced my 1960 era windows with double pane / low E / argon filled windows (about $2,000 for 11 large sized windows), and replaced the front door and storm door (less than $200 for the pair on sale at Lowes - but I then went and spent $100 on a top of the line door handle!). Oh, and when I bought the house I had a handyman resquare the walls in my kitchen (after I removed the original junk cabinets), and I went and installed top of the line kitchen cabnetry myself (from Home Depot - solid hickory - about $4,000, and that included the counter top).

I didn't grow up Mr. Handyman, I was just determined to be able to do things myself. I read books on the subjects, went to demonstrations at the hardware stores, started on smaller projects to get the hang of the various tools, and just did it. The work has not always been perfect, but usuaully people can't see the mistakes unless I point them out to them.
In each case the cost of paying someone to do the work would have been multiples of what it cost me to do it.

One last piece of advice on this. If you don't have much money, start small. When I replaced the windows I did them one or two at a time. I would custom order them, pay for them at pick up two weeks later, and install them on a weekend or a holiday. Then a month or two later, another two windows would be ordered, and so it went. I finished my house in 6 months using that technique. Same for the roof. I did that over a summer, doing it in small sections as I had the energy, and the sun wasn't beating down too bad. I wasn't into killing myself, so I did what I could (usually early in the morning), then quit for the day. There's no sin to have a roof half new and half old. As long as you are going to finish it soon, it will live.

OK, so why did I come up with the "High Impact Saving" for the blog? Well the easiest is to say I couldn't stand coming out with "Mr. XYZ's financial blog".

Anyhow, as I read commentaries (though not here in these blogs) I see people saying "I've cut to the bone, what more can I do?" I think if you're single (or even not), you need to come up with ideas that not only save you money, but save in other ways as well. Or can save you money in multiple areas.

So what do I do that falls into this category? Well one thing is recycling. I think this is something that helps the environment, and its just plain the right thing to do. But more than that, by doing it I have much less garbage, so little in fact I stopped my garbage pickup last fall. I take the very small trash with me once every two weeks to the local transfer station on my way to work, and save myself $30/month (remember, thats after taxes)

I have some more high impact ideas (some of which I use), I'll put them on here in coming days. But in any case, when you have run out of simple ideas to save, try to come up with something that does multiple purpose saving.