10 Tips for Living Frugally in Phoenix

These 10 tips for living frugally in Phoenix can help your family stretch your dollars. When you save on groceries, gas, clothing, and other everyday items, you will have extra cash to spend on family fun.

1. Save Money on Groceries. Shop the sales and use coupons. Check out the ads that are delivered to your door each week. See what meat, produce, dairy, and canned and frozen items you use are on sale at one or two stores close to your home. There’s no need to travel all of Phoenix to buy a few things on sale at each store. Stock up on foods each week that are featured on sale that your family likes. As often as you can, buy only items on sale. Sign up for the shopper card if a store has one. Check the clearance sections at store like one of the 25 Fresh & Easy stores in the Phoenix Metro area for food that’s about to expire but that is still perfectly good to eat.

2. Get a Good Deal on Gas. Gas prices just keep going up. Find the cheapest place in your neighborhood to buy gasoline by using the ArizonaGasPrices Web site. You can enter your zip code to find a list of gas stations and the price of gas. FInd one on your route and fill up when you see a good deal.

3. Save Money on Clothes. Check out consignment stores and thrift stores to save money on clothes for the entire family. Shop garage sales too. Be sure to look over all clothes before you buy them and wash them before wearing. Get recommendations from friends for good places to shop and get the best price. The 2011 Top Used Clothing rankings provide 44 places to buy used clothing around Phoenix.

4. Sign Up for Daily Deals. Web sites like Groupon, Deal Chicken, and others mail out daily deals. They offer a discount at various businesses, usually at a fraction of the cost of full price. Make sure you read the fine print and buy only what is truly a deal. Often these deals are good for entertainment and dining out so splurge now and then and still save money using a deal.

5. Cut Your Children’s Hair. If your boys like buzz cuts, buy a pair of clippers and learn to use them. Cut their hair and save $10 per haircut or more.

6. Cancel Cable. To live frugally, consider canceling premium cable television service. The basic cable package has plenty of channels to keep everyone happy. Many shows and movies can be watched online so check out the options and drop the expensive satellite or cable service. The Phoenix Public Library has a great collection of DVDs for the entire family that can be checked out for 1 week.

7. Barter with Family and Friends. By exchanging services like babysitting and yard work, for example, you can save money. Instead of paying out cash, you can trade your services for something you need.

8. Pack a Lunch. Buy extra food at the grocery store or make extra at dinner meals and pack a lunch the next day. By eating a brown bag lunch instead of eating lunch out, you can save $25 or more a week.

9. Raise Your Insurance Deductibles. For car and home insurance, look into raising your deductible. The deductible is the amount you have to pay if you have a claim. If you have a $250 deductible, you are responsible for paying for only $250 then the insurance company pays the remainder, but a policy with a low deductible has higher premiums. A higher deductible like $500 or $1,000 will cost you more if you have a claim but the premiums will be lower. If you don’t have accidents or claims, a higher deductible can save you hundreds of dollars each year.

10. Drop Your Landline. If you already have a cell phone, consider getting rid of your home phone or landline. If there is no reason for a home phone, drop that monthly bill and pocket the savings.

Think of new ways to live frugally but being on the outlook. Ways to save money can be found every day if you think about what you need as opposed to what you want.