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	<title>Comments on: 20 Things you can live without &#8211; Part 1</title>
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	<link>http://www.savingsguide.com.au/cut-costs-to-save-money-and-enhance-savings/</link>
	<description>How to save money on everything! Credit cards, home loans, spending, shopping and more. 100% FREE!</description>
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		<title>By: Killer Bees</title>
		<link>http://www.savingsguide.com.au/cut-costs-to-save-money-and-enhance-savings/comment-page-1/#comment-1747</link>
		<dc:creator>Killer Bees</dc:creator>
		<pubDate>Fri, 30 Jan 2009 06:20:21 +0000</pubDate>
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		<description>Sure.  What kind of things are you interested in reading?</description>
		<content:encoded><![CDATA[<p>Sure.  What kind of things are you interested in reading?</p>
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		<title>By: Alex</title>
		<link>http://www.savingsguide.com.au/cut-costs-to-save-money-and-enhance-savings/comment-page-1/#comment-1740</link>
		<dc:creator>Alex</dc:creator>
		<pubDate>Wed, 28 Jan 2009 21:00:01 +0000</pubDate>
		<guid isPermaLink="false">http://www.savingsguide.com.au/cut-costs-to-save-money-and-enhance-savings/#comment-1740</guid>
		<description>That&#039;s a fantastic list!

Would you be interested in writing a guest article that follows on from my original post, eg; a Part 2 of the 20 things you can live without?</description>
		<content:encoded><![CDATA[<p>That&#8217;s a fantastic list!</p>
<p>Would you be interested in writing a guest article that follows on from my original post, eg; a Part 2 of the 20 things you can live without?</p>
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		<title>By: Killer Bees</title>
		<link>http://www.savingsguide.com.au/cut-costs-to-save-money-and-enhance-savings/comment-page-1/#comment-1739</link>
		<dc:creator>Killer Bees</dc:creator>
		<pubDate>Wed, 28 Jan 2009 06:44:31 +0000</pubDate>
		<guid isPermaLink="false">http://www.savingsguide.com.au/cut-costs-to-save-money-and-enhance-savings/#comment-1739</guid>
		<description>Here&#039;s my list that I live by every day:

1.  Pay TV - don&#039;t have it.  Won&#039;t ever get it.  It&#039;s too easy for me to get fat and lazy watching all those shows.  Plus, it&#039;s a waste of money.

2.  Junk Food - don&#039;t buy it.  Since Maccas stopped cooking their fries in beef tallow, they taste like cardboard.  And if I want a burger, I&#039;ll make it at home where it will taste much better.

3.  Shop Bought Coffee And Tea - this one I do.  I budget for a Starbucks coffee 5 days a week.  I commute into the city, buy a coffee and walk the 1.5kms to the city fringes where I work.  That way, I get the exercise I need (but usually loathe) along with a yummy, leisurely cup of coffee that actually stays hot.  This is actually cost effective because the $25 or so I spend every week is cheaper than gym fees.

4.  CD and DVD purchases - I do this as well, but I only buy once a month and limit myself to maximum $50.  I count it as part of my entertainment expenses because I rarely go out.

5.  Bought lunch at work - doesn&#039;t happen, I brown bag every day.

6.  Alcohol - rarely drink it.  I like alcohol, but not enough to pay the outrageous prices the booze companies charge.

7.  Cigarettes and tobacco - never smoked in my life, not about to start.

8.  Designer shampoos and conditioners - never buy them.  What&#039;s on sale at the supermarket works just as well.

9.  Large mobile phone bills - I have prepaid and I rarely top it up anyway.

10.  Hiring DVDs - I do this as part of my entertainment budget.  I only spend $14.95 a month with Bigpond.  Worth every cent.

11.  Eating takeway - don&#039;t do it (see point 2)

12.  Gym memberships - don&#039;t do it (see point 3)

13.  Expensive dog food - don&#039;t do it, I don&#039;t have any pets and I&#039;m not interested in getting any.

14.  Going over broadband allowance - don&#039;t have internet at home.  I&#039;m connected at work all the time.  When I&#039;m home, I like to withdraw from the world.

15.  Credit cards - have two ($5K and $3K).  They were necessities due to major life changes that I wasn&#039;t prepared for.  Paying them off at $50 a week each, plus minimum balance every month.  So they are fast becoming history.  After that, no more credit cards.

16.  A Car - don&#039;t have one, won&#039;t be getting one.

17.  Expensive cars (see above)

18.  Lights during the day - never happens.  I&#039;m usually at work and on the weekends, I open the blinds and it&#039;s enough.

19.  Heating during the day - doesn&#039;t happen.  I live in Brisbane.

20.  Soft drinks and juice - I occasionally buy Pepsi Max, but that&#039;s maybe once every few months.  I buy a 1.25L bottle and when I&#039;m finished, I&#039;m done for a long time.</description>
		<content:encoded><![CDATA[<p>Here&#8217;s my list that I live by every day:</p>
<p>1.  Pay TV &#8211; don&#8217;t have it.  Won&#8217;t ever get it.  It&#8217;s too easy for me to get fat and lazy watching all those shows.  Plus, it&#8217;s a waste of money.</p>
<p>2.  Junk Food &#8211; don&#8217;t buy it.  Since Maccas stopped cooking their fries in beef tallow, they taste like cardboard.  And if I want a burger, I&#8217;ll make it at home where it will taste much better.</p>
<p>3.  Shop Bought Coffee And Tea &#8211; this one I do.  I <a href="http://www.savingsguide.com.au/recommends/budgetspreadsheet" style="" target="_blank" rel="nofollow" >budget</a> for a Starbucks coffee 5 days a week.  I commute into the city, buy a coffee and walk the 1.5kms to the city fringes where I work.  That way, I get the exercise I need (but usually loathe) along with a yummy, leisurely cup of coffee that actually stays hot.  This is actually cost effective because the $25 or so I spend every week is cheaper than gym fees.</p>
<p>4.  CD and DVD purchases &#8211; I do this as well, but I only buy once a month and limit myself to maximum $50.  I count it as part of my entertainment expenses because I rarely go out.</p>
<p>5.  Bought lunch at work &#8211; doesn&#8217;t happen, I brown bag every day.</p>
<p>6.  Alcohol &#8211; rarely drink it.  I like alcohol, but not enough to pay the outrageous prices the booze companies charge.</p>
<p>7.  Cigarettes and tobacco &#8211; never smoked in my life, not about to start.</p>
<p>8.  Designer shampoos and conditioners &#8211; never buy them.  What&#8217;s on sale at the supermarket works just as well.</p>
<p>9.  Large <a href="http://www.savingsguide.com.au/recommends/mobilephones" style="" target="_blank" rel="nofollow" >mobile</a> phone bills &#8211; I have prepaid and I rarely top it up anyway.</p>
<p>10.  Hiring DVDs &#8211; I do this as part of my entertainment <a href="http://www.savingsguide.com.au/recommends/budgetspreadsheet" style="" target="_blank" rel="nofollow" >budget</a>.  I only spend $14.95 a month with Bigpond.  Worth every cent.</p>
<p>11.  Eating takeway &#8211; don&#8217;t do it (see point 2)</p>
<p>12.  Gym memberships &#8211; don&#8217;t do it (see point 3)</p>
<p>13.  Expensive dog food &#8211; don&#8217;t do it, I don&#8217;t have any pets and I&#8217;m not interested in getting any.</p>
<p>14.  Going over broadband allowance &#8211; don&#8217;t have internet at home.  I&#8217;m connected at work all the time.  When I&#8217;m home, I like to withdraw from the world.</p>
<p>15.  Credit cards &#8211; have two ($5K and $3K).  They were necessities due to major life changes that I wasn&#8217;t prepared for.  Paying them off at $50 a week each, plus minimum balance every month.  So they are fast becoming history.  After that, no more credit cards.</p>
<p>16.  A Car &#8211; don&#8217;t have one, won&#8217;t be getting one.</p>
<p>17.  Expensive cars (see above)</p>
<p>18.  Lights during the day &#8211; never happens.  I&#8217;m usually at work and on the weekends, I open the blinds and it&#8217;s enough.</p>
<p>19.  Heating during the day &#8211; doesn&#8217;t happen.  I live in Brisbane.</p>
<p>20.  Soft drinks and juice &#8211; I occasionally buy Pepsi Max, but that&#8217;s maybe once every few months.  I buy a 1.25L bottle and when I&#8217;m finished, I&#8217;m done for a long time.</p>
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