Winnipeg Free Press - PRINT EDITION

Thirteen money-saving tips for 2013

Using a 22-year-old calendar: Cheap or smart?

  • Print

THIRTEEN might not be the luckiest of numbers, but 2013 could be a pretty good year to get on a better financial footing -- if you're not fussy.

Now 2013 is the year I will finally use a 1991 calendar. While cleaning, I found a Laura Ashley desk calendar that was too pretty to use back then. The days of the week for 1991 match up with 2013. See

Now, 13 other tips for '13:


No. 1: Use what you've got.

It is possible to make dinner out of what's at home at least one day a week. Need a use for small bottles of shampoo in the closet? My husband made a game out of regularly tapping into our stockpile. We got about three months of shampoo free.

No. 2: Cancel a service.

"I cancelled cable in 2002," said Gabriella Barthlow, a certified credit counsellor and owner of the Alpha Advisory Group. She's saved thousands of dollars. She waits until a TV series is on DVD at her library.

No. 3: Drag your feet until January when it comes to donations.

Tax rates could go up in 2013. So a charitable contribution could be a more valuable deduction if you send the check next year instead of by Dec. 31.

No. 4: Watch ATM fees.

If you're out of town and not near your bank, it may be possible to avoid ATM fees by using your debit card at a nearby supermarket. Buy items that you can use -- and get $50 cash back or more.

If instead you go to an ATM that's not part of your bank, you'd typically pay your bank a fee of $1.57 and pay the ATM owner another $2.50 on average, according to

No. 5: Bank one more buck.

Charge one dollar every single time you break a New Year's resolution. Make sure everyone in the house makes one promise -- not to yell at the TV during a Detroit Lions game, not to forget to put away the laundry. Put that money toward a goal.

No. 6: Go to your kids and ask them how to save money.

"If the family is struggling economically, the kids know that in the household," said Gregory Downing, a former auto dealer and author of Entrepreneur Unleashed: Wealth to Stand the Test of Time.

Children can be part of the solution, he said, noting teens need to work as well, even if only doing odd jobs for pay.

Back in the summer, my 14-year-old son told me to stop buying him T-shirts and hoodies. I had gotten into a bad habit of frequently picking up something cool and cheap. Nice, but he had too much. It's been an easy way to save $5 or $10 here and there.

No. 7: Think "just in time."

Buying in bulk can save money, like freezing butter bought on sale during the holidays.

But "avoid overstocking your refrigerator and pantry," said Tomika Snodgrass, a vice-president for RBS Citizens in Southfield. The mom of two buys only items for her weekly plan.

No. 8: Don't clip coupons.

This anti-coupon tip sounds counterintuitive because so much marketing works against it these days, said Laura Lee, author of Broke is Beautiful: Living and Loving the Cash-Strapped Life.

Shoppers who peruse bargain circulars, sign up for emails from stores, join Facebook groups and so on are constantly bombarded with deals. "Buying stuff involves spending money, not saving it," Lee said.

If you clip coupons, prioritize based on your budget.

No. 9: Switch up your morning drink.

If you usually buy a pricey coffee, opt for a less expensive tea. Reuse that fancy tea bag one or two more times, too.

No. 10: Play make-believe.

If you could pretend to be a cowboy when you were a kid, why can't you imagine that one day you'll be able to retire? If you can believe it, you can save.

No. 11: Create one "no-spend-zone."

One Saturday each month, don't spend any money. No fair pulling out plastic.

No. 12: Save sentimental cash.

Examine the serial number on each $5 bill. Then, save bills that start with a special letter, like your first initial, said Samirian Hill, president of BudgetWise Financial Solutions in Southfield.

No. 13: Go offshore.

No, not really offshore. But why not bank far from home? If you choose a financial institution that is a hike to get to, it could be difficult to empty that account, said Dorothy Barrick, financial counsellor and group manager for GreenPath Debt Solutions, a national non-profit credit counsellor.

Of course, just pulling out a debit card from that bank would defeat the purpose.


The odd thought here: Don't just work for your money; work hard to avoid spending it, too.


-- USA Today

Republished from the Winnipeg Free Press print edition December 29, 2012 B10

Fact Check

Fact Check

Have you found an error, or know of something we’ve missed in one of our stories?
Please use the form below and let us know.

* Required
  • Please post the headline of the story or the title of the video with the error.

  • Please post exactly what was wrong with the story.

  • Please indicate your source for the correct information.

  • Yes


  • This will only be used to contact you if we have a question about your submission, it will not be used to identify you or be published.

  • Cancel

Having problems with the form?

Contact Us Directly
  • Print

You can comment on most stories on You can also agree or disagree with other comments. All you need to do is be a Winnipeg Free Press print or e-edition subscriber to join the conversation and give your feedback.

You can comment on most stories on You can also agree or disagree with other comments. All you need to do is be a Winnipeg Free Press print or e-edition subscriber to join the conversation and give your feedback.

Have Your Say

New to commenting? Check out our Frequently Asked Questions.

Have Your Say

Comments are open to Winnipeg Free Press print or e-edition subscribers only. why?

Have Your Say

Comments are open to Winnipeg Free Press Subscribers only. why?

The Winnipeg Free Press does not necessarily endorse any of the views posted. By submitting your comment, you agree to our Terms and Conditions. These terms were revised effective April 16, 2010.


Make text: Larger | Smaller


Key of Bart: What’s Left Of A Spent Party’s Cabinet

View more like this

Photo Store Gallery

  • MIKE DEAL / WINNIPEG FREE PRESS 060711 Chris Pedersen breeds Monarch butterflies in his back yard in East Selkirk watching as it transforms from the Larva or caterpillar through the Chrysalis stage to an adult Monarch. Here an adult Monarch within an hour of it emerging from the Chrysalis which can be seen underneath it.
  • Marc Gallant / Winnipeg Free Press.  Local/Weather Standup- Catching rays. Prairie Dog stretches out at Fort Whyte Centre. Fort Whyte has a Prairie Dog enclosure with aprox. 20 dogs young and old. 060607.

View More Gallery Photos


What should the new royal baby be named?

View Results

View Related Story

Ads by Google