There was a time when I received assistance with my parking, but after my '84 Olds meet her untimely death, I never asked to have that assistance reinstated. I've been paying my parking ever since. For a time, I had a carpool buddy. Granted we never discussed how much he was going to contribute and I took his age and lack of income into consideration I didn't push the question. When I lost my carpool buddy, I bit the bullet and started taking mass transit. I don't know why I didn't do this sooner except that I was concerned about loosing my parking spot. I knew it would be impossible to get it back.
Confession... I live within walking distance of Fareless Square, an area of town where you don't have to pay for a ticket as long as you stay within "Fareless Square." The walk is about 10 blocks, but I'm enjoying to peace and quiet. It helps me relax before sitting down to my desk. The time on the bus has given me a chance to read, something I haven't had time for in quite awhile. I will have to reevaluate this choice if they get rid of this zone as the rumors have been suggesting.
On the really nice days, I've been walking all the way to work, which is about 2 miles. If they do get rid of Fareless Square, that's always an option and finally have no fear, I have a backup. My bike is tuned and ready to be put into action. I live in a very bike friendly city and am practicing on the weekends.
Finally, when the season changes and the rains come in, I have started networking for a new carpool buddy. I think I've got a good one lined up for the rainy season.
Bottom line, I'm saving $8 per day or $140 per month and I'm happy to say that I've already lost 15 pounds. Consider alternatives. Its good for the earth. Its good for your body. Its good for the pocketbook.
Showing posts with label saving money. Show all posts
Showing posts with label saving money. Show all posts
Saturday, September 6, 2008
Thursday, October 25, 2007
Gender Differences in Financial Communication
Do men and women communicate about finances differently? It's and interesting question to ponder and one that is inspired by I Will Teach You To Be Rich. In his post title Look How Men and Women's Magazines Write About Money, he examines the different messages and how they are delivered.
Money magazines are written with the male audience in mind because that is the larger percentage of subscribers. Women's magazines will include a finance writer but will discuss topics on spending more often that investing. Men are encouraged to take risks and focus on savings in terms of a portfolio. Women are encouraged not to fear money and to evaluate the emotional side of savings.
Points that aren't addressed include the fact that when women do invest they tend to have better returns because they research more and take less risk in choosing stocks. Women are expected to spend more on image than men including more expensive clothing, make up, regular trips to the salon, and shoes. Even dry cleaners charge more to women many times for the same articles of clothing.
There has been a definite changes from our mothers and grandmothers generations when men were expected to take care of the finances and invest. Unfortunately, women are still encouraged to spend rather than save. Young women see credit cards as status symbols and don't often understand the ramifications of their actions on future plans.
Our consumer driven society for the first time ever have a 0% for savings and most are living longer lives. Baby Boomers are starting to retire. This is the last generation that was taught Social Security will take care of them in retirement. Gen Xers don't believe Social Security will be there when they retire. Gen Y hasn't begun to consider retirement. No matter what the generation we need to take responsibility for our choices now and move away from the instant gratification lifestyle.
Money magazines are written with the male audience in mind because that is the larger percentage of subscribers. Women's magazines will include a finance writer but will discuss topics on spending more often that investing. Men are encouraged to take risks and focus on savings in terms of a portfolio. Women are encouraged not to fear money and to evaluate the emotional side of savings.
Points that aren't addressed include the fact that when women do invest they tend to have better returns because they research more and take less risk in choosing stocks. Women are expected to spend more on image than men including more expensive clothing, make up, regular trips to the salon, and shoes. Even dry cleaners charge more to women many times for the same articles of clothing.
There has been a definite changes from our mothers and grandmothers generations when men were expected to take care of the finances and invest. Unfortunately, women are still encouraged to spend rather than save. Young women see credit cards as status symbols and don't often understand the ramifications of their actions on future plans.
Our consumer driven society for the first time ever have a 0% for savings and most are living longer lives. Baby Boomers are starting to retire. This is the last generation that was taught Social Security will take care of them in retirement. Gen Xers don't believe Social Security will be there when they retire. Gen Y hasn't begun to consider retirement. No matter what the generation we need to take responsibility for our choices now and move away from the instant gratification lifestyle.
Tuesday, October 23, 2007
Retirement Preparation
Did you know its National Retirement Week? I didn't until I was visiting Mapgirl's Fiscal Challenge. Sponsored by the ICMA and resolved by the House of Representatives and the Senate, National Retirement Week is another step towards educating people on the need to plan now for retirement no matter what your situation is.
Many people ignore retirement planning. They think they aren't making it paycheck to paycheck how can they save for retirement. 20-somethings think retirement is too far away to have to think about it. Many women believe their husbands are taking care of it for them. There are those that believe Social Security and Medicare will be enough. They are up for a rude wake up call.
If I knew then what I know now...
I wouldn't have cashed out my first 401k. At the time I thought it was my only option. It was just after the dot-com crash of 2001. That cost a lot of money and I lost years of compound interest.
I would have started saving smaller amounts earlier. I thought it didn't count unless I put in $144 per month.
I would have involved my mom earlier. I had a surprise when my grandfather passed away and my grandmother had no idea about their finances. When I found out mom was almost as unfamiliar I spoke up.
So where do you start if you haven't started? With baby steps! Open an account that isn't connected to your checking account or at a different bank altogether. Why not a high interest online account? Whatever it is get started. Learn about account types like the traditional IRA, ROTH IRA, and Rollover IRA.
Set aside a certain amount each week or month and make it regular. If you need to start with a smaller amount do it, but set a date to review your finances and bump it up to a higher level.
Don't be afraid to ask questions of your retirement specialist at work if you have one. Check out online education sites like America Saves or the Motley Fool. You don't have to be an expert, but educating yourself on the basics is important. Register for a class at the local community college. Looking for more information on investing? Check out the National Association of Investors Corporation (NAIC).
Many people ignore retirement planning. They think they aren't making it paycheck to paycheck how can they save for retirement. 20-somethings think retirement is too far away to have to think about it. Many women believe their husbands are taking care of it for them. There are those that believe Social Security and Medicare will be enough. They are up for a rude wake up call.
If I knew then what I know now...
I wouldn't have cashed out my first 401k. At the time I thought it was my only option. It was just after the dot-com crash of 2001. That cost a lot of money and I lost years of compound interest.
I would have started saving smaller amounts earlier. I thought it didn't count unless I put in $144 per month.
I would have involved my mom earlier. I had a surprise when my grandfather passed away and my grandmother had no idea about their finances. When I found out mom was almost as unfamiliar I spoke up.
So where do you start if you haven't started? With baby steps! Open an account that isn't connected to your checking account or at a different bank altogether. Why not a high interest online account? Whatever it is get started. Learn about account types like the traditional IRA, ROTH IRA, and Rollover IRA.
Set aside a certain amount each week or month and make it regular. If you need to start with a smaller amount do it, but set a date to review your finances and bump it up to a higher level.
Don't be afraid to ask questions of your retirement specialist at work if you have one. Check out online education sites like America Saves or the Motley Fool. You don't have to be an expert, but educating yourself on the basics is important. Register for a class at the local community college. Looking for more information on investing? Check out the National Association of Investors Corporation (NAIC).
Monday, October 22, 2007
When Frugal is a Waste of Money
I returned a pair of shoes today. I purchased them at the Nordstrom's Rack which is like an outlet for Nordstrom's. I know from inside sources that the Rack has buyers for the store in addition to the merchandise that didn't sell or went out of season from Nordstrom's. I needed to purchase a pair of black shoes for work that I could walk anywhere in.
Confession time - I have been known to purchase a pair of shoes because they were a good deal when they didn't really meet my need. The pair I returned were sensible but a bit big in the foot which I justified because I could wear socks. They also pinched a bit across the top of the shoe. Again I justified it with the idea they would stretch out.
When I got home, I left the shoes in the bag to give myself a chance to think about my purchase. (It's kind of a backwards wait 24 hour rule.) The more I thought about the shoes the more I realized that I had just cleared a few pairs of shoes out of my closet that had the same problem. They kinda worked, but were going to be painful to break in so I kept them in the closet for another day (and another... and another...) Finally I decided to put them on EBay and try to recoup my loses.
So what does my shoe shopping habits have to do with Frugality? A bargain isn't a bargain if you don't get good value from the purchase. Better it is to spend a little bit more for something that doesn't have to be "broken in". Make sure to count the number of times used, costs of owning, and length of time the item lasts in order to get a better idea of true cost.
Confession time - I have been known to purchase a pair of shoes because they were a good deal when they didn't really meet my need. The pair I returned were sensible but a bit big in the foot which I justified because I could wear socks. They also pinched a bit across the top of the shoe. Again I justified it with the idea they would stretch out.
When I got home, I left the shoes in the bag to give myself a chance to think about my purchase. (It's kind of a backwards wait 24 hour rule.) The more I thought about the shoes the more I realized that I had just cleared a few pairs of shoes out of my closet that had the same problem. They kinda worked, but were going to be painful to break in so I kept them in the closet for another day (and another... and another...) Finally I decided to put them on EBay and try to recoup my loses.
So what does my shoe shopping habits have to do with Frugality? A bargain isn't a bargain if you don't get good value from the purchase. Better it is to spend a little bit more for something that doesn't have to be "broken in". Make sure to count the number of times used, costs of owning, and length of time the item lasts in order to get a better idea of true cost.
Monday, October 15, 2007
Saving Energy While Living in an Apartment
This post is part of the Blog Action Day movement: thousands of blogs talking about the environment on October 15.
With all of the buzz words like eco-friendly, environmentally conscious, and green living, apartment dwellers seem to be getting the short end of the advice stick. After all, there is only so much you can do to make improvements. Here are some ideas you can do:
Water Conservation
With all of the buzz words like eco-friendly, environmentally conscious, and green living, apartment dwellers seem to be getting the short end of the advice stick. After all, there is only so much you can do to make improvements. Here are some ideas you can do:
Water Conservation
- Turn off the water while you are brushing your teeth
- Fill a pop bottle with water, cap it and slide it into your toilet tank.
- Run your dishwasher when full, otherwise supplement in between times by filling a sink a quarter of the way.
- Save laundry until you have a full load. Partial loads cost money.
Energy Conservation
- Switching out to CFLs can save you $30 per bulb
- Turn off lights when not in use
- Unplug appliances when not in use. They still use energy even when not in use.
- Consider signing up for alternative power options available through the power company. It may cost a little more, but it reduces our reliance on oil.
Recycling
- If your state offers a can and bottle deposit, take advantage of it and return them. Use the money for a fun fund, vacation savings, grocery bill supplement, etc.
- Consider container gardening if you have a deck or porch. Many vegetables thrive in containers including lettuce, tomatoes, herbs, cucumbers, zucchini, and peppers.
- Want to save on fertilizer? Start a worm colony also known as vermiculture. The process is simple, uses vegetable scraps & newspaper, and no, it doesn't smell.
- Instead of buying plastic bags for garbage, use the ones you've collected from stores. These are also handy for pet poop bags and diaper disposal.
Tuesday, October 9, 2007
What Advice Is Realistic for a 20-Something
An article caught my eye today on Yahoo!Finance that had been published in US News & World Report by Kimberly Palmer. In it Ramit Sethi, creator of the "I Will Teach You to Be Rich" blog discusses how most of the information out there on personal finance is written by "old, white men for old, white men," and too a point I may agree. (Maybe not quite so harshly.)
When I started reading about personal finance and investing I was 20 years old. My parents didn't sit me down and explain budgets, investing, or even shopping for groceries. Growing up, my mother had struggled as a single mom making ends meet. My father's frugality was often confused for being a cheapskate. He invested... with a full service broker and he collected as a business. Its interesting that there are two taboo topics that parents assume kids will learn, sex and personal finance. The sad thing is parents are often surprised when kids have difficulties tackling either one.
My mom helped me set up a savings account, but forgot to explain to me why earning a penny a month was beneficial. I couldn't see the big picture. I baffled my grandparents one year when I asked for stocks for Christmas. To their credit, I got 6 shares of Costco when it was at $12/share. That was the beginning, but there were a lot of bumps in the road to my education.
I agree with Famit Sethi, personal finance education is not one size fits all. Many books teach from the perspective of someone who has already graduated college, is married and possibly with family, and have a significant start on savings. They aren't taking into consideration purchasing the wardrobe for the new job, starting a discount / online brokerage account with a minimal amount to start, setting up a food pantry from scratch rather than relying on Taco Bell or McDonald's, or how to start out with the minimum and building your benefits as your budget allows.
My advice to someone starting out:
~ Do not rely on credit. It is a band-aid that will catch up to you quickly. Better to take your spare time, develop alternative means of income, and build your investment account. Get your shopping fix off of smart investment decisions.
~ Keep your roommates as long as you can. Not having to share a bathroom sounds like heaven, but all of the extra expenses will drain your budget quickly.
~ Take a cooking class and educate yourself on easy, healthy meals.
~ Cheap furniture is just that, CHEAP. Invest is better built pieces that will be around for a few years.
~ Challenge yourself with finding free meals served at community events. Combine entertainment and keep tabs on your grocery bill.
~ Don't get frustrated when your teller gives you funny looks. Make those deposits into your savings even if they are $5-$10. Its still a contribution to your savings.
~ Like cheap furniture, penny stocks are cheap for a reason. Make sure you research your investments before you jump into the world of Wall Street. That $3 stock won't look like such a bargain 5 years later when its still at $3.
~ 3-6 months of wages in an emergency fund is something to strive for but not a requirement. Don't be afraid to start small.
~ If someone tells you $500 isn't enough to do anything with. Walk away and don't believe them.
~ You are building your network everywhere. Make good first impressions to ensure future success.
When I started reading about personal finance and investing I was 20 years old. My parents didn't sit me down and explain budgets, investing, or even shopping for groceries. Growing up, my mother had struggled as a single mom making ends meet. My father's frugality was often confused for being a cheapskate. He invested... with a full service broker and he collected as a business. Its interesting that there are two taboo topics that parents assume kids will learn, sex and personal finance. The sad thing is parents are often surprised when kids have difficulties tackling either one.
My mom helped me set up a savings account, but forgot to explain to me why earning a penny a month was beneficial. I couldn't see the big picture. I baffled my grandparents one year when I asked for stocks for Christmas. To their credit, I got 6 shares of Costco when it was at $12/share. That was the beginning, but there were a lot of bumps in the road to my education.
I agree with Famit Sethi, personal finance education is not one size fits all. Many books teach from the perspective of someone who has already graduated college, is married and possibly with family, and have a significant start on savings. They aren't taking into consideration purchasing the wardrobe for the new job, starting a discount / online brokerage account with a minimal amount to start, setting up a food pantry from scratch rather than relying on Taco Bell or McDonald's, or how to start out with the minimum and building your benefits as your budget allows.
My advice to someone starting out:
~ Do not rely on credit. It is a band-aid that will catch up to you quickly. Better to take your spare time, develop alternative means of income, and build your investment account. Get your shopping fix off of smart investment decisions.
~ Keep your roommates as long as you can. Not having to share a bathroom sounds like heaven, but all of the extra expenses will drain your budget quickly.
~ Take a cooking class and educate yourself on easy, healthy meals.
~ Cheap furniture is just that, CHEAP. Invest is better built pieces that will be around for a few years.
~ Challenge yourself with finding free meals served at community events. Combine entertainment and keep tabs on your grocery bill.
~ Don't get frustrated when your teller gives you funny looks. Make those deposits into your savings even if they are $5-$10. Its still a contribution to your savings.
~ Like cheap furniture, penny stocks are cheap for a reason. Make sure you research your investments before you jump into the world of Wall Street. That $3 stock won't look like such a bargain 5 years later when its still at $3.
~ 3-6 months of wages in an emergency fund is something to strive for but not a requirement. Don't be afraid to start small.
~ If someone tells you $500 isn't enough to do anything with. Walk away and don't believe them.
~ You are building your network everywhere. Make good first impressions to ensure future success.
Thursday, October 4, 2007
The "Reduce A Bill" Challenge
Thanks to the inspiration of Working For Financial Freedom and Being Frugal, I am joining their challenge for October. Originally inspired by Being Frugal's ability to lower her grocery bill through determined coupon use and organization, Working For Financial Freedom has created the "Reduce A Bill" Challenge. The idea is to focus on one bill or budget area to lower. Working For Financial Freedom is going to line dry her laundry for the month of October.
While reading through some of the comments, I found a response from Heather who is going to do 10 No Spend days for the month. These are days where you spend absolutely no money. This sounds right up my alley since I find that there is always a dollar here or there that ends up getting spent. Even on my best day I tend to forget about paying for parking somewhere.
If you're interested in participating, check out either site and record your goal in the comment section. Don't forget to think about what you are going to use that money you have saved for. Personally, I'm working on that $1,000 emergency fund.
While reading through some of the comments, I found a response from Heather who is going to do 10 No Spend days for the month. These are days where you spend absolutely no money. This sounds right up my alley since I find that there is always a dollar here or there that ends up getting spent. Even on my best day I tend to forget about paying for parking somewhere.
If you're interested in participating, check out either site and record your goal in the comment section. Don't forget to think about what you are going to use that money you have saved for. Personally, I'm working on that $1,000 emergency fund.
Wednesday, October 3, 2007
It's Not Easy Keeping Momentum Sometimes
Fall can be a fantastic season... the changing color of leaves on the trees... trips to the country to pick up fresh veggies at the pumpkin field... starting back to school for parents and children. Unfortunately, it can also be an extremely difficult time. The days are getting darker earlier, the rain is coming down, stress is ramping up as the summer lazies become a memory.
Fall is a mixed bag because I find it a great time to get organized and set goals, but my hibernation instincts kick in as well. This week has been difficult to keep to my food budget. It may be due to being housebound with the ick. It definitely has something to do with a lack of menu planning. So how do you insure against a backslide?
First, let me use an example that I saw many years ago from the Cosby Show. Bill Cosby for those who are not aware has a PhD in Education, something that gives him a bit more credibility for family hour solve-it-in-20-minutes shows. The episode in question has Bill and Theo sitting on the bed in Theo's room discussing energy used to be successful in school. Bill's analogy is to picture a jet plane. A tremendous amount of energy is used to take off and land. It takes much less fuel to maintain its traveling altitude.
The same can be said for any endeavor we undertake. More energy is used to research, plan, create, and implement a project than it does to keep a project going. The question then comes up, is it possible to program an auto-pilot for those times that we need to take a coffee break? The answer is yes.
Fall is a mixed bag because I find it a great time to get organized and set goals, but my hibernation instincts kick in as well. This week has been difficult to keep to my food budget. It may be due to being housebound with the ick. It definitely has something to do with a lack of menu planning. So how do you insure against a backslide?
First, let me use an example that I saw many years ago from the Cosby Show. Bill Cosby for those who are not aware has a PhD in Education, something that gives him a bit more credibility for family hour solve-it-in-20-minutes shows. The episode in question has Bill and Theo sitting on the bed in Theo's room discussing energy used to be successful in school. Bill's analogy is to picture a jet plane. A tremendous amount of energy is used to take off and land. It takes much less fuel to maintain its traveling altitude.
The same can be said for any endeavor we undertake. More energy is used to research, plan, create, and implement a project than it does to keep a project going. The question then comes up, is it possible to program an auto-pilot for those times that we need to take a coffee break? The answer is yes.
- Keep track of the menus that you've planned so you can reuse them rather than creating a new one each week. Make about 6-8 and rotate them.
- Put your savings on autopilot. If you have direct deposit, make sure you have a set amount put into your savings be it emergency, travel, retirement, college fund, etc.
- Sign up for on-line bill pay. Forget writing out checks and remembering to put them in the mail. Talk to your bank or credit union for more information.
- Consider DRIPs (Dividend Reinvestment Programs) to make your investments automatic. DRIPs are set up directly with large cap companies where you can invest a set amount each month directly with the company. The amount does not have to equal a full share and you are not charged a brokerage fee. The dividends you would earn off of the investment is then reinvested into the company's stock.
- Invest regularly in your retirement by signing up with your company's 401k program. If you have a company match, make sure you are maxing out your contribution they will match. This is like getting a raise without having to bother your boss.
Do you have other great ideas? I invite you to share them by posting a comment.
Monday, October 1, 2007
Are You Motivated By Rewards?
Over at the Simple Dollar, Trent has posted about material rewards in Should You Give Yourself Material Rewards For Meeting Certain Milestones. Rewards can be powerful motivators and come in the form of verbal kudos, food treats, material treats, debt payoffs, etc. In Trent's case, his posting discusses the change between material treats to being rewarded by debt payoffs and meeting financial goals while on his quest to become financially savvy.
In my quest to payoff my debt quickly, I'm finding that I feel guilty if I want to treat myself to something I really want. I'm not a techie. I don't need to have the latest gadget. I don't collect anything. Honestly, I get lectured at work because I don't spend any money on myself. So where is the balance? I just bought a new to me car, so that is my latest splurge. I could have bought a cheap car, but I've wanted a CRV for a few years. Is this considered a reward? Probably not. It wasn't set to be a reward.
My compromise? For each bill I pay off, I will invest $50. That way, I will be working towards a goal and still feel that thrill of getting a reward. If there is something I want, I will use the extra money I earn to purchase it. Otherwise, Ben and Jerry's Cookie Dough is an inexpensive and tasty treat.
What rewards are you motivated by?
In my quest to payoff my debt quickly, I'm finding that I feel guilty if I want to treat myself to something I really want. I'm not a techie. I don't need to have the latest gadget. I don't collect anything. Honestly, I get lectured at work because I don't spend any money on myself. So where is the balance? I just bought a new to me car, so that is my latest splurge. I could have bought a cheap car, but I've wanted a CRV for a few years. Is this considered a reward? Probably not. It wasn't set to be a reward.
My compromise? For each bill I pay off, I will invest $50. That way, I will be working towards a goal and still feel that thrill of getting a reward. If there is something I want, I will use the extra money I earn to purchase it. Otherwise, Ben and Jerry's Cookie Dough is an inexpensive and tasty treat.
What rewards are you motivated by?
Saturday, September 29, 2007
It's Nice to Know Even Experts Get Frugal Frustration
How much is too much frugality? Like living a green lifestyle its not a one size fits all. Each of us needs to evaluate what we are willing to do to reach our goals in saving money, getting out of debt, or becoming more earth conscious.
Laura Rowley over at Yahoo!Finance struggles with her husband on whether or not to take a brown bag to work in this week's article "Some Thoughts for Your Pennies." While assessing what is important and what isn't important her husband believes that buying his lunch during the week is not only an important part of building relationships with clients, but is also a big networking tool on the days he doesn't have a client lunch. Laura Rowley points out that at $8 per day this is a waste of resources, but much of our choices are based on priorities. She has finally conceded not to bother him about the subject. (btw, for anyone wondering what the big deal is for spending only $8 per day... that's $2,080 per year that could be directed towards debt or savings.)
Laura Rowley advises not to underestimate the power of the penny. Little changes throughout our budgets can reap big rewards. If you can save $.28/day that is a little over $100 per year. If you calculate David Bach's Latte factor, going without one $4.50 Latte per day is equivalent to saving $1642.50 per year. In my case, going without one $.50 can of Coke per day is equivalent to $182.50 per year.
Are you asking yourself yet why I included becoming more earth conscious in evaluating what we are willing to do to increase our savings and eliminate debt? The answer is simple. On many levels taking a bit of advice on being earth friendly will also be budget friendly. Changing out normal incandescent bulbs to compact fluorescent bulbs will save money every month as will changing out shower heads to water saving, low flow heads and placing a plastic bottle filled with water in your toilet tank. Each of these steps will save you a few cents with each use, but the savings adds up in no time. For more information on saving money and being earth conscious, check out the New American Dream website.
Laura Rowley over at Yahoo!Finance struggles with her husband on whether or not to take a brown bag to work in this week's article "Some Thoughts for Your Pennies." While assessing what is important and what isn't important her husband believes that buying his lunch during the week is not only an important part of building relationships with clients, but is also a big networking tool on the days he doesn't have a client lunch. Laura Rowley points out that at $8 per day this is a waste of resources, but much of our choices are based on priorities. She has finally conceded not to bother him about the subject. (btw, for anyone wondering what the big deal is for spending only $8 per day... that's $2,080 per year that could be directed towards debt or savings.)
Laura Rowley advises not to underestimate the power of the penny. Little changes throughout our budgets can reap big rewards. If you can save $.28/day that is a little over $100 per year. If you calculate David Bach's Latte factor, going without one $4.50 Latte per day is equivalent to saving $1642.50 per year. In my case, going without one $.50 can of Coke per day is equivalent to $182.50 per year.
Are you asking yourself yet why I included becoming more earth conscious in evaluating what we are willing to do to increase our savings and eliminate debt? The answer is simple. On many levels taking a bit of advice on being earth friendly will also be budget friendly. Changing out normal incandescent bulbs to compact fluorescent bulbs will save money every month as will changing out shower heads to water saving, low flow heads and placing a plastic bottle filled with water in your toilet tank. Each of these steps will save you a few cents with each use, but the savings adds up in no time. For more information on saving money and being earth conscious, check out the New American Dream website.
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