Ok...
Here we go...
1. No expensive dinners out- Chinese and Thai luncheon socials and happy hour...no booze
2. do not buy anything that as a usable life of under 10 -20 years.
This would mean cotton shorts that cost $50 that last 1-2 years are out, but I have some linen slacks that are at least 10-15 years old that show little wear despite lots of use.
3. If I must buy a disposable...( toaster oven, crappy appliance, beds that do not last 6 months) I buy it from a place that takes returns like a Costco, or Hammacher Schlemmer. Never pay for the same item over and over ten times.
4. Route any flight through Chicago between 3-5 pm on a Thursday or Friday when husbands have to be home for dinner or get killed. I collect multiple bump tickets... For 15 years I traveled free. Just hung out in the airport reading mags answering email and collecting tickets. Holiday sundays are also good..while you are the take cute flight attendants out to dinner...they are stuck too, and sometimes they can make you their designated travel spouse ( no marriage needed) you fly for free anywhere anytime.
5. If you have high rent sublet during the crowded high season and travel to a low season place...I constantly swapped The crappy ultra cold crowded Christmas new year week in aspen for 10 weeks of Caribbean off season.
6. Buy a used star marked Mercedes. Cheapest car to own with high resale.avoid Honda if you crash the medical bills will kill you...or your Honda will fold over on your tympanic membrane.
7.do not buy things that you throw away. Garbage bags, zip locks. Want great zip locks for free..,TSA hands them out but better than that take a bag of crasins or some crouton resealable and wash it out..they have foil linings, are less likely to open or puncture too. Don't buy Tupperware reuse Chinese plastic take out containers.
8. Do not purchase anything, unless you can readily resell it for what you paid. PERIOD! No new cars...but headphones are ok if bought in a group buy.
9. Get in shape at a health club 2 hours a day...your medical bills will love you.
10. Shop at supermarkets in less expensive areas than your own. Prices can be up to 70 recent less for bulk items.
11. Make a supermarket loop of 4 different markets...only buy their sale items that you circled at home.
12. Cable tv is a waste...so is any subscription other than Internet.
13. Buy a prepaid iPhone plan but buy a used iPhone. 40 bucks unlimited data- if you buy a new iPhone, unlock it and sell it before 1 year.
14. Sometimes buying an all inclusive vacation in the off season and subletting your place is the cheapest option.
15. I gave up nightclubs that had bad audio.
16. I gave up new sneakers every 6 weeks and bought shoe goo to make a thin sacrificial layer on new shoes...
17. Rent luxuries through groupon.
18. Buy the Panasonic rechargeable razor wet dry. No disposable blades..
19. Buy lifetime warranty products, tape receipt on box...lifetime things are made better , take less of your time in repair or replacement, and are single purchases, saving 15% -40% on a non lifetime warranty product that fails or wears out is for suckers...don't be one.
20. Make dinner for good friends whenever a luxury item like lobster, lamb chops etc... Is 70 recent off...,and after 2-3 amazing big meals they will pick other tab next time you go out to dinner if they don't they probably weren't friends.
21 Bringing a bottle of wine to parties.... it isn't memorable...bring something memorable or your the money you spent is forgotten and unrecognized.
Be generous....especially when you are poor...even to those more wealthy ( ONLY if they are of good character) , you will never lose out on being generous to good people....money exists to facilitate trade...make good trades with your time and money to good people. Everyone feels good this way. Never take advantage of someone . Never put yourself in a position to be taken advantage by someone of poor character....nothing good can come of that.
Share your sound systems with everyone you can....be the DJ.
22. The last luxury I gave up was using stacks of new 100 dollar bills to start wet wood in the Great room fireplace after a 21 day trip of binge gambling in Monaco.. It was a fun bi-annual trip tradition with those crazy hedgefunders. . I'll miss it, but can live without it. It wasn't my money anyhow.