As someone who has become debt-free, I can say that the journey often isn’t easy, but it is so worth it. There are so many things we do have to pay for…all those expenses we just can’t avoid. But, there really are some things that should be on your no spend list because they are things you can do without. This might be because you are truly going without these things, but it could also be because you are substituting with something else. The savings you gain with having things on a no spend list really do add up in time. And, doing all of these little things is what gets you on the road to having a financially healthy future. There really are certain things that I never pay for.
The truth is, there are so many things that we can spend our money on. But, you still have to make the budget work. After all, you have to live on less than you make, whatever that might be.
For this reason, I have discovered little things that can add up to make s huge difference. One of these things are certain material goods that I never pay for. This could be because I can get them for free or because they are things that just aren’t wise from a financial standpoint.
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These are the things that absolutely must be on your no spend list!
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To start, let’s talk about various things around the house.
Toiletries should be on your no spend list
I never pay for bathroom items like toothbrushes, toothpaste, mouthwash, and floss. This also includes things like body wash, pump soap, and healthcare items such as anti-itch cream. This even means vitamins at times. These are all things that I’ve gotten for free and then stock up on when I am combining sales and coupons at the drugstores. You can read more about how that works in
These are all things that I’ve gotten for free and then stock up on when I am combining sales and coupons at the drugstores. You can read more about how that works in Frugal Drugstore Treasures and How You Can Score Big at the Drugstores.
Paper cups should be on your no spend list + be green
I am all about using paper plates, I will admit it. Although I could save money by only using dishes, I’ve got seven kids home for all three meals, which means that we go through an astronomical amount of dishes. When it comes to cups, however, I don’t pay for paper cups for the never ending stream of drinks that my kids seem to need. Each person has a big plastic cup or water bottle. Then, this is what they use. If we used paper cups for every little drink, I can only imagine what that would do to our budget.
Avoid plastic garbage bags for your wallet + the environment
Although these are much more convenient than what I use, these are so costly over time, even when getting them at a great price. For the trash in my house, which is also plentiful with a family of ten, I use a plastic trash can. Then, I use either the paper or the plastic bags you get at the grocery store or the drug store to line my trash can with. These are free, which means that I am saving a ton of money on things that I am literally throwing away anyway.
Pro tip: Avoiding spending money on all these little things is the first step toward keeping more of your hard-earned money if your pocket. I teach members everything I’ve learned about saving money in uncommon ways over in my money saving membership community. You can save $250 or more in just the first month, which is why I let you try the first month free!
Bottled water needs to be on your no spend list
The only exception would be if you have well water that is so bad that it can’t even be made drinkable with a water softener system. I have city water, which is so much more economical than bottled water. Bottled water is simply a convenience item. In general, I don’t have the room in my budget to pay for convenience no matter what it is.
Not only that, when you’re not using water bottles you’re also being kind to the environment. There are so many little things like that that you can do.
Fancy coffee needs to be limited at best
Now there are times that I will meet a friend for coffee, which is the exception for me. But for the most part, we have so many things available to make a great cup of coffee in our very own homes. I love my Keurig, I have this one,
I love my Keurig, I have this one, Keurig K45 Elite Brewing System, Black and my greatest investment was in this latte maker. Mr. Coffee BVMC-EL1 Cafe Latte I LOVE it…and so does my oldest. With just some coffee, some milk, and one of these syrups,Torani Syrup, Vanilla, 25.4 Ounce (Pack of 4), I’ve got something that tastes like it was made by a real barista. After all, who doesn’t want to be their very own barista, anyway? That’s such a cool word!
Learn to DIY household repairs to save money
There certainly are times when you need an expert. But with access to the Internet and YouTube videos, I have discovered that there are so many things that I can take care of myself. So often the most annoying little things can be fixed so simply.
When you have something that makes you want to call for a professional, try this first. Google your problem first. Spend some time researching to see if you can actually do it on your own. You can read how we saved more than $1,000 in a year by doing our own washer and then dryer repair. Not only do you pay a flat service fee and for the professional’s time, you are almost always going to be paying double the price for any parts that you may need.
Say goodbye to high insurance premiums
Whether it is home or renters insurance, car insurance, or even health insurance, when you have options and choices, never opt for the high premium options. Don’t be lured into the smaller numbers that the higher premiums will bring you. More times than not, you are paying much more in the long run for those attractive co-pay or out of pocket numbers than you would ever pay if you were to actually need to use this insurance.
Your money will serve you better if you were to put the amount that you would be paying for these higher premiums into an emergency fund to draw out of if you do have an accident or an issue with your healthcare. Chances are, you just won’t have a car accident that will be so costly that those higher premiums and lower deductible amounts will pay off.
Avoid extended warranties
Extended warranties are simply not necessary. This is true even if they are cheap! Usually you will be paying for something you will never even use. Extended warranties are usually enticing, but just don’t fall for them.
The money you save on saying no to extended warranties really does add up. For this reason, the few times you might have been able to collect on them, you will be able to replace the item yourself.
Extended warranties are a no spend item.
Late fees should be on your no spend list
Whether it is late fees on a bill, late fees on something you’ve rented, or late fees at the library, return things on time to avoid paying fees. These fees are usually minimal. But, as with anything else, they do add up. This is especially if you are a regular offender.
This is why late fees need to be on your no spend list.
Don’t pay interest on anything
I spoke of this in 18 Things We Did to Become Debt-Free Before Age 42, but other than interest on your mortgage, you should avoid paying interest at all costs.
Memberships that you are not using
Let’s face it, we can have the best of intentions, and at times we lack the follow thru. Things like gym memberships, warehouse club memberships, or Weight Watchers and other membership clubs, if you are not using them enough to warrant paying for them, don’t pay for them. It’s better to admit that we made a poor decision, fell for a scheme of some kind, or just didn’t make something a priority than it is to continue paying for something simply because we “might” use it someday.
You can often get movies for free
You can get free movies for your local library, you can stream movies for free if you have something like Amazon Prime because you cut out cable like we have, and you can also get free Redbox codes on a regular basis by watching the deal sites like Money Saving Mom.
Free magazines do exist – even the ones you love!
Did you know that you don’t have to pay for many of your favorite magazines either? This is another reason I like reading Money Saving Mom or Hip2Save. There are many companies that give free magazines, no strings attached.
DIY various repairs
What does this mean? This is simple, really, but it is not to be overlooked. Are you a pleasant, respectful, polite, and generous person? If you are, chances are that when you need a little favor at times, you will find someone you already know who is willing to lend you their expertise at no charge.
Now this doesn’t happen all the time and it is certainly not to be expected, but if you are mindful of building a good rapport with the people you interact with on a daily basis, it is always a good thing. If you are a pleasant person to be with and to deal with, you will get much further in life than you will being a demanding, difficult, or downright rude person.
Upgrades are a no spend thing
While there are times that upgrades are unavoidable, there are numerous times that we fall for upgrading something when the more basic or free version would do us just fine. I always start out with the basic or free version of things to see how it goes. Many more times than not, I am so thankful I did. Upgrades are made to look pretty, whoever is trying to “sell” you something wants you to upgrade, but they are rarely needed.
When it comes to being frugal, it’s as much about knowing what not to pay for as it is knowing what to buy. Keep this list handy to make sure you know!
Ready to learn the how behind this no spend list?
It starts with knowing your budget.