Updated on 05.22.10

# Five Simple Substitutions, One Big Change

It’s amazing how much money can be saved by making one simple change in your life. I ran the numbers on several changes (using the behavior of the average American) and was shocked at the financial savings of a single simple change.

Average annual savings: \$152
Facts: Tap water is essentially free. The average American consumes 216 liters of soda per year, or 7,300 ounces. You can purchase a twelve pack of twelve ounce cans for \$3, typically, so the cost is \$3 per 144 ounces. This adds up to an annual cost of \$152.

Carpool with another driver two days a week (driving once and riding once).
Average annual savings: \$868.60
Facts: The average commute is 16 miles one way, giving a round trip of 32 miles. The average maintenance cost per mile on an American car is 52.2 cents. Thus, the cost of a single commute is \$16.70, including fuel, depreciation, and all maintenance costs, and thus riding with someone else once a week (and letting them ride with you once a week) saves 52 commutes, a total savings of \$868.60.

Install a programmable thermostat and set it to turn off your heating or cooling at night.
Average annual savings: \$248
Facts: Using the assumptions in the EnergyStar programmable thermostat calculator for a typical American home with typical energy costs (\$0.11 per kilowatt hour) and assuming only nighttime use, a programmable thermostat reduces the energy bill by \$248 per year.

Wait one more week before getting a haircut.
Average annual savings: \$63.90
Facts: The average haircut costs \$45. The average time between haircuts is five and a half weeks, or 39 days. Thus, an average person gets 9.35 haircuts per year. Waiting just seven days longer reduces that count to 7.93 annual cuts, or 1.42 fewer cuts per year, a savings of \$63.90.

Eat leftovers for supper one night a week.
Average annual savings: \$334.14
Facts: The average cost for a moderate meal plan for a family of four in the United States is \$771.10. That’s 120 meals, giving an average meal cost of \$6.43 (averaging home meals, restaurant meals, etc.). Assuming a leftover meal to be free, a year’s worth of weekly leftover meals saves \$334.14.

Just one simple switch and you save a surprising amount of money. If you take the money saved each month (1/12th of the average annual savings) and sweep that money directly (and automatically) into savings or into an extra loan payment, simple lifestyle choices can have a profound impact on your financial life. That’s the key, of course – using the money you save in a responsible fashion.

So, if you were truly the average American and did each of the five switches listed above, you would save \$138.89 per month. Have these switches become the new normal in your life and set up an automatic savings plan to sweep \$140 a month into a savings account that earns 2%. Give it five years and you have \$8,830 in savings. These five little changes will buy you a pretty nice car in five years.

That’s a pretty big thumb in the nose to those who ignore frugality tips.

1. NMPatricia says:

I always love posts like this. I excitedly scan to see if there is one more thing I could do. And what really struck me is how hard it is to write one of these columns. I have given up soda – mostly because it really isn’t adding anything healthy to my diet. Not “average” there. I am retired, so can’t save on a commute. I conciously bunch my errands so I really only go to town once a week. I refuse to run into town for one thing. Not “average” there. We already have programable thermostats, so can’t do that one. Have had for a long time. Probably not average there. Also built a super insulated house so we don’t use our heat much to begin with. Not “average” there. Decided to give up haircuts – so I could bank that money. Haircuts are just too expensive. Was interested in the “average” price of a haircut. We eat leftovers all the time. In fact, our meals have them built in. I cook a large amount of something and we eat it for several days in a row. (Thank goodness my husband thrives on this.) Saves cooking too. We have reserved going out to be special. We NEVER go out just because there is “nothing” to eat. Currently, it is just my husband and myself, so I don’t have kids to worry about (actually, wish I did). But eating is very concious act here – for frugalness and for health. So it must be hard to write a post for “average” people. Either that, or I am not very average.

2. marta says:

Disclaimer: I am not American.

Water: I have never been a big soda drinker (I drink maybe one or two cans a month), so nothing to see here. I like my tap water, so I don’t even buy bottled water.

Carpool: No car. I mostly walk or take public transportation.

Programmable thermostat: no A/C at all. I warm/cool myself with clothing.

Haircuts: as I have medium-long hair, I get by with having haircuts just once a year or so. I don’t do it like clockwork, so waiting a week is kinda a moot point.

Leftovers: I don’t know about this one. I mean, if I cook something that yields five meals for myself, I will eat those five meals (not in a row, but freeze a few for later). If I cook fewer servings, I will just have to cook something else sooner. If you don’t let food go to waste & eat out just because you don’t have leftovers, this “savings” don’t make as much sense. Food is scalable — more meals equals more ingredients. Time savings, I’ll buy.

These posts kinda amuse me, as I don’t see myself as particularly frugal but most of the “frugality” tips recc’ed here seem to be more like common sense, so I already do them. I’ll agree on one thing: we all would be better off in matters of resources if the “average American” modified some of his/her behaviour regarding two of the points on the list.

3. Wesley says:

Average of \$45 for a haircut? And here I was fussing over the \$11 I have to pay for one…

4. Gretchen says:

It’s cheaper not to use a thermostat at all. Just open the windows or put on a sweater. Of course, this is somewhat location dependent.

I’m not sure how leftovers save money, either. I had to buy the food in the first place.

5. Tracy says:

Eating the leftovers saves me money because otherwise I’m throwing away the leftovers and will have to buy other food to eat at the next meal. It’s usually cheaper for me to make a larger batch of whatever we’re eating than it is for me to make a whole extra meal.

That said, my family doesn’t usually care for leftovers served as such but will happily eat say, leftover pork transformed into fried rice. Sending my husband to work with leftovers is a huge savings on him going out to grab his lunch and probably a bit cheaper than a sandwich, fruit and veg (which is what I send if we have no leftovers).

6. Who the heck would pay \$45 for a haircut? Okay, I am a guy and don’t have all of the same requirements as some women (with the coloring and perming, straightening, layering, etc.) but really? Wow! I always pay \$20, tip included, whether the haircut costs \$6 or \$16. The day that my haircut costs more than \$20 is the day that…well…I’ll probably just start shaving my hair again.

7. Carole says:

Well, I for one like my Dr.Peppers and haven’t been able to give them up, altho I do restrict them. The times I have been “on the wagon” I have noticed a substantial lowering of my grocery bill.

After servicing my heating unit, my HVAC guy said to stop using the programmable thermostat and set it to the temp I want and leave it. He said the newer units are more energy efficient that way. We were setting it at 70 in the evening and morning, 62 when we we sleeping or not at home. He said you don’t save much that way because we are burning more oil in the early AM and early PM getting back up to our desired temperature. I haven’t noticed any difference in our oil consumption since I stopped doing that. He said the same applies to the A/C but I haven’t been doing that long enough to see if it saves or costs us more.

9. Trent says:

John Edwards and his \$400 haircuts might be throwing the average off. *wink*

10. Harm says:

I got my own clippers and give myself a buzz-cut.
I DO tip the barber extravagantly, rotfl.
My daily soda is something I enjoy, and is
worth the money to me….

11. Betty says:

Make a few nights a week meatless. Saves a bunch of money, and is healthier. Use beans, grains, vegetables, etc.

12. Nate says:

Is there a reference to where the 50-cents per mile comes from? My math always comes up short of that. For an average of 20mpg at \$2.50/gal it’s \$0.125/mile. Depreciation for a car that’s about 3 years old is like \$0.10/mile. Maintenance… Oil change every 3k miles for \$30 is \$0.01. Repairs/tires/washing etc…let’s say \$1,000 a year for 12k miles a year, that’s \$0.083.

So far I’m up to about 32 cents per mile, and that’s with not-so-great gas mileage and a fairly heavy maint cost.

So for the ‘running’ cost of deciding whether to use my car as often given another alternative I don’t understand how I can honestly use 50 cents per mile. Of course ‘total’ ownership costs would approach that with registration, insurance, maybe finance charges, etc. But choices like commuting via bike, getting a 60mpg motorcycle, carpooling, etc don’t involve getting rid of the car, just not putting as many miles on it.

Please, someone tell me if my math is off, I’m really trying to justify even a cheap motorcycle for commuting and I’m coming up way short!

13. Jennifer says:

If only I didn’t like soda so much. I try not to order it in restaurants since the cost is to extravagant there and I shop sales & use coupons to get it for the lowest price possible.

My husband also only spends \$20 with tip on a hair cut and usually waits an addition 2-4 weeks after he “needs” a haircut. I’ve been waiting 6 months in between cuts since my hair can just grow out and look fine. But I think I may be investing in more expensive cuts soon just because it’s an enjoyable experience (head massages!) but I’ll still wait a long time in between cuts.

14. JFR says:

I agree with the soda and commuting ideas but the 45\$ hair cuts are really overpriced to me as I get them for about 12\$ about 3 times a year.

I can’t really agree with leftovers being considered as free meals though. It only means that you cooked too much the day before. So if you only cooked what was needed yesterday, today the same ingredients would not be free…

15. Malisa says:

DH alternates between being a CRAZY soda drinker and swearing off of it. When he’s “on” vs. when he’s “off” of it probably is a \$150 a MONTH swing for us.

Thank goodness he’s off of it now.

16. almost there says:

I doubt the avg cost of a haircut per person as you stated in your post. Persons means male and female and the link that you provided was a quote from your link here: “The average price for a haircut in the U.S. is about \$45, according to the Professional Beauty Association, a trade organization based in Scottsdale…” I am one of those people that go to supercuts and use the 2 buck off coupon. With tip it comes to 15 bucks. So your figure is skewed towards women.

17. valleycat1 says:

These aren’t much help to me because my actual expenses in these categories are negligible compared to the reported national averages. At the most I could maybe save \$100/year over current expenses by doing what does apply.

I’m with # 6, 8, 9 – I enjoy my daily soda, but have cut back to drinking one small (7-oz) can a day & don’t usually get a soda when I’m out & about, as that’s where the expense really comes in. The reported average oz/year would be 3x what I drink. Also, a lot of the people I know who drink water instead of soda are drinking bottled water, which isn’t cheap!

I also am with those who don’t understand the supposed savings by eating leftovers. It would make more sense to encourage people to reduce the # of meals they eat out or order in. Leftovers would be already factored into the calculation of the cost of meals at home, or you’ll be cooking more in order to have leftovers to eat later (so you aren’t saving money). Although I do know some people who absolutely refuse to eat leftovers, they either just cook enough for one meal at a time, or other family members eat the leftovers. I don’t know anyone who blithely throws out leftovers immediately following a meal, if it’s something that will keep & be edible later.

18. alilz says:

I was one of those — I’ll never cut out soda people. Until i had health issues and was told I had to give up caffinated and carbonated drinks.

So now I drink water and I save, more than that. when I would buy drinks at the vending machine at work (and I did often) I was spending about \$2 a day so \$10 a week not including drinks when I went out to eat dinner.

But now I’m one of those people who spends more on hair cuts. I spend about \$40 to get my hair cut. I get my hair cut every 6 weeks or so. I tried cheaper places but I was never happy with the way they did, so I prefer to go some place and spend more money and be satisfied.

19. Cheryl says:

Water-we use a Brita pitcher. DS only gets sodas as a special treat.

I cut my fellows’ hair about once a month. I don’t trust them to cut mine–\$9 in AZ, \$20 in OR about every 6 weeks.

We shop on Sunday since we are already in town for church. No commute since we’re retired.

I sometimes cook ahead, but more times just cook/prepare what we will eat so there are no leftovers.

We turn off or turn down our own heat at night and turn it up if necessary in the morning. Saved the cost of a new thermostat. We also use foil sun blockers in our windows changing from east side to west side at noon.

20. Maureen says:

I usually pay \$20 tip included for a haircut too.

21. Robert says:

I don’t drink soda, very rare. I use a water filter.
haircuts \$12 once a month. I am going bold in cerian areas, but other areas it grows fast. so i need to go 1 time per month.

Left over I do, especially during the week days.

22. JK says:

The principle of the article is good – simple little changes can add up when you figure out the annual savings. I too go for the \$12 haircut which probably makes me a nonstandard woman I suppose. I have friends who spend \$200 each time they head to the hair salon – cut, colour & highlights. That’s nuts to me, but hair just isn’t important to me. I wear it short and spiky and spend as little time on it as possible. I know it’s time for a cut when I have to get out a blowdryer. I have an 8yr old with long hair so that’s enough hair maintenance in my life. If it ever became trendy for women to shave their heads I’d be first in line. Hair is such a waste of time. At our house the big savings on hair cuts was to get clippers and start grooming the dog ourselves. Getting her done was costing us \$50 four times a year – we’d recouped the cost of the clippers half way through the second cut.

23. BonzoGal says:

I may be one of those who bring up the average cost for a haircut- I spend \$60 per cut, plus a \$15 tip. My hair is “difficult” and I haven’t been happy with lower-price salons. I spend more \$\$\$ on hair and eyeglasses, and almost nothing on clothes- I shop thrift stores for work clothes and wear my weekend clothes ’til my husband gets embarrassed. (Usually it’s the other way around, eh?)

I’m a true tightwad in most other areas. My husband gets fewer haircuts because we use a trimmer to “tidy” him up between haircuts. I take a vanpool to work and don’t even have to pay for that because I do all the driving- everyone else on the van voted to pay my share of the lease/gas so they wouldn’t have to drive. I have a large food garden, and we cook from scratch nearly every day. I love this site for Trent’s and his readers’ suggestions- the less I spend on some things, the more I can save (or spend on fancy haircuts)!

24. Isle Dance says:

Okay…I’m headed out to fine-tune my finances! Love this post. Thanks for the great reminders.

25. Sarah says:

In San Francisco it’s hard to find a place that will cut hair for under \$45- and the one’s that do generally don’t speak English and do a TERRIBLE job. So I wait as long as I possibly can and then pay it…generally 2-3 haircuts a year. But I cut my husband and kids’ hair myself.

26. Sara says:

I’m kind of surprised that people get haircuts so often. I usually wait at least 3 months in between cuts. I get it cut a little shorter than I really want it so it takes longer to grow out. Actually, I just checked and it’s been 38 days since my last haircut, and my hair is just about the perfect length now!

27. Todd says:

I think leftovers do save money if the alternatives are either eating more or throwing the food out. My mother used to hate storing and eating leftovers, so she would make a bit pan of something for dinner and then say “Eat it all up or it’s going to get thrown out.” My father usually finished it up (and was very overweight) or it would go in the trash. Eventually, finances forced them to learn to save and eat food the next day, but my mother still complains about having to eat “warmed over” food.

28. Courtney says:

I don’t understand why you would turn off the thermostat at night. We have ours set to turn off during the day while we’re gone.

29. wpr4u says:

Ride a bike to work — most people scoff at the idea but it really doesn’t take much planning and believe my by the time I arrive home the last thing I’m thinking about is work. Saves a ton of money.

30. LMR says:

I usually cook in large batches to save time and energy (especially in warm weather when cooking makes the a/c work harder) with the intention of having leftovers, so I would never consider leftovers “free”! What’s important is to discipline yourself to eat them and not to forget about them until it’s too late.

As for haircuts, I bought a Wahl trimmer a few years ago for about \$40 and it paid for itself immediately. We mostly bought it for my younger son who has autism and didn’t do well in the overstimulating salon environment even though the stylist was very patient. I decided to try cutting his brother’s hair, too, and when my husband saw I did a pretty okay job, I now cut his hair too. I keep my hair long, so I save money that way.

Carpooling won’t work for be because I work odd hours and frequently have to go in early and stay late. But the good thing about working odd hours is that I rarely have to deal with traffic, which is a huge fuel waster.

The soda one is about the only one that applies to me. I am working on this one.

31. Soda: better yet, don’t take up the habit in the first place :P. It’s really rather nasty stuff.

Thermostat/AC: Cut down the number of hours it is switched on. Yes, it should be off from about half an hour to a hour before you go to bed (but you can set it to switch on about an hour before you get up). Lower the heating temp, raise the AC temp. When you’re used to that, turn both off. Take the Freeze Your Buns challenge. When moving to a house in the American South or the Meditterranean, look for one with high ceilings. When moving to more northern climes, get a row house and insist on double glazing and insulation.

Carpool: live close to work. Ride a bicycle for short errands, then train yourself to use it for longer ones. You do NOT have to arrive sweaty and smelly when you bicycle to work. Just ride at a pace that’s appropriate for you. Know your public transport time table and use it. Ignore all the class-related thoughts that are popping up in the back of your head right now.

Haircuts: male pattern baldness is my friend here. But even when I had hair, I got four cheap haircuts a year at the most. Trent comes from a corporate culture where his hair had to be just right, and I’m glad for him that he’s not there anymore.

Leftovers: zero waste has been my policy for a few months now. I’m tough on leftovers (eat them no matter how long it takes) and tough on the causes of leftovers (yep, if you have them, it’s a sign that your meal planning is wonky, unless you deliberately cooked for more than one day).

32. deRuiter says:

Soda does taste good, but it’s very unhealthy for women with a tendency to osteoporosis, something in the dark soda, phosphorous maybe?, causes the soda drinker’s bones to lose calcium. This may be true for men also. Tap water’s free or almost free, and in most of America it’s perfectly safe to drink. In restaurants I order tap water with ice and a slice of lemon, it’s free.

33. Liz says:

I go about two months between haircuts. My hair grows in slow or fast spurts, so on a slow spurt that amount of time is fine.With a fast spurt I will use a hairband to keep my hair out of my glasses.

34. littlepitcher says:

I’ve lived in too many places where tap water tastes ghastly–Florida, etc–to drink it. Growing tea herbs is easy–anyone with a yard or a few big pots can do it. Green tea is healthy and inexpensive, when purchased loose from bulk suppliers.

Brown-bagging one day a week was omitted. Microwaveable leftovers will have your coworkers surrounding your desk, wanting to know what smells so great.

In the South, turning off your AC plus opening your shade-side windows, from sunrise or before to 8AM, then closing them and using window shades instead of blinds, will cool your house for a couple more hours and save even more on electric bills.

35. There is always a water filter if your water doesn’t taste good.

Drinking water or tea is sooo much cheaper than soda and have infinite health benefits in comparison.

Something I do as well is garden. It saves soooo much on produce in the summer and I get to eat tomatoes, cucumbers, lettuce and all sorts of good things on a daily basis!

36. Kandace@pantrydiva says:

I pay \$45 for a haircut and don’t feel bad about it. 15 years ago when I had a lot less income I cut my own hair for about five years and never really felt great about my appearance. Once finances got a bit better, I put haircuts back on my priority list as a need, not a want.

I do color my own hair and that runs me about \$7 every two months.

37. Stephanie says:

I loved many of the ideas of saving money but I have an issue when cutting things cuts your quality of life. For me, I love my diet soda, I rarely drink alcohol, I don’t smoke, but I do drink my diet soda every day. I really enjoy it !! I drink water too, but I drink up to a liter a day of diet soda.
I think when cutting out cost, quality of life does need to be considered and if you really enjoy something so what if it costs a few hundred over the course of a year. Enjoying life has to be worth something too !!! I do however, buy what is on sale,the cheapest name brand diet soda. I am not brand loyal, so I do take that into consideration and I do stay away from cans except when they are on a great sale.
I learn a lot from you and enjoy your site, but I do worry about always thinking about the cost and not enjoying our lives, that is important too and sometimes it costs us a bit , but if if makes us happy or enhances our lives, I think it is worth the money spent !!
Thanks for all you teach us,I really enjoy your site and my emails !!

38. Stephan says:

all of these tips are great, and will work for some people. The carpool idea is the one where i think you can see the most savings. If its a friend of yours, car pool 4 times a week, or as much as your schedules allow. Not only do you save money, but you also get some company while sitting in rush hour traffic=)

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39. Skeemer118 says:

My DH just told me to go buy clippers because he’s tired of giving the barber \$12 & his precious time to cut a few hairs. We paid \$35 for WAHL clippers from Sally Beauty Supply & they’ve already paid for themselves.

40. Becky says:

Oh dear, I wish I had \$138 a month to spend on soda and haircuts and commuting and heat. Then I would continue to not spend money on those things, and get \$138!

41. Brent says:

Wow, didn’t realize so much money was being wasted. \$152/yr on soda, night time temperature control, \$45/haircut, throwing out leftovers? Makes me feel miserly. I spend maybe \$10/yr on soda, and \$14 a haircut, and I eat everything I buy. No wonder the debt is so high.

42. SLCCOM says:

Programmable thermostats are only useful if you are away from the house all day. Otherwise, they are useless.

43. Karen says:

So Trent what did you think of the Series Finale of Lost?

44. Debbie M says:

Here are some subs I have made and like:

1) Get clothes at thrift stores instead of discount stores. I get better, longer-lasting clothes at a better price.

2) Use cocoa powder and sugar in my milk instead of Instant Breakfast. It doesn’t mix as well, but I add just a little milk at first, mix it into a sludge, and then add the rest. And then half the time microwave it and stir it again.

I also like cocoa powder and sugar instead of hot chocolate mix–when you heat it all up on the stove with a wire whisk, it mixes up just fine.

3) Use regular oatmeal instead of flavored oatmeal packets. I used to get cinnamon and spice flavor, available only as a name brand back in the day. Finally I figured out how to make it myself. Now I mix 1/3 cup oats with 1 tablespoon sugar, 1/4 teaspoon cinnamon, <1/8 teaspoon salt, and a sprinkle of nutmeg and ginger.

4) Sub frozen fruit for fresh. Sometimes it tastes better (strawberries), sometimes almost as good (pineapple), and it almost always tastes better than canned. Frozen is sometimes cheaper even when the fruit is in season.

5) Sub water-resistant watches for regular watches. Now my watch lasts a really long time.

45. Geoff Hart says:

Trent reports a Forbes study: “average haircut costs \$45”

That’s just nuts. I go to a barber (never a “stylist”) who charges \$15, and the most I’ve ever paid for a haircut is \$20. This is for a pretty darned good haircut by a professional, with a bit of styling thrown in. I don’t ask them to wash my hair first: I wash it myself the night before. I don’t allow any styling products (gel etc.). I do my beard myself. That trims some cost. Living in Canada trims it a bit further (yes, that’s Canadian dollars).

If you’re really on a tight budget, try finding a local barber/stylist school. Students often give free haircuts or cuts at greatly reduced prices as part of their training. Since this is done under the supervision of professionals (their teachers), you’re guaranteed a cut that won’t completely embarrass you. Great for students particularly, if not for a corporate CEO.

46. Sandy says:

I like articles like this. While the exact ideas may not apply to you, the concept is a great one. Amy Decizyn did this in her Tightwad Gazette books, and it really made me think about all the little things in our life that can really add up over time. That has helped us over our 22 year marriage, especially in times when \$\$ was tight (grad school).

47. DB says:

Programmable Thermostat: Why go to the expense of buying and installing one when you can simply press “OFF” before going to bed, like we do. Do people really need a gadget to do it for them?

Saving on Meals: Eat less meat. We have 2 or 3 meals a week based on meat, usually chicken or ground turkey. Anything else is expensive and usually not healthy. There are plenty of other options — pastas, beans, casseroles, vegetables, grains, etc.

Haircuts: I only get my hair cut about 4x per year because I never seem to have the time. In between cuts, I trim my bangs myself. I also cut my daughter’s hair and have gotten quite good. Now on the rare occasion I take her to a salon I am usually unhappy with the results and have to ‘fix’ it at home anyway.

48. matt says:

i don’t understand why guys think every haircut costs as much as theirs. Ladies tend to spend a lot more on haircuts than guys.

Also, I think the \$152 a year on soda is a pretty conservative number considering a lot of people I know who buy soda purchase it from a gas station at \$2 a 20 ounce.

49. Laura says:

To all the people who get away with spending \$10-\$15 on haircuts: lucky you. However, consider us folks that have more “difficult” hair. Certain hair types – especially curly or thick hair – become absolutely unmanageable if not given a proper cut. \$45 is completely reasonable to get a good cut that will make your life easier until the next cut in about 2-3 months. Spending \$15 for a Supercuts hairdo, or not cutting at all, isn’t worth it if you have to spend an extra 20 minutes each day trying to deal with a poor hair cut. And believe me, when you have thick or curly hair, there IS a difference. Just something to think about before judging others for making “unreasonable” spending choices.

50. annk says:

Soda drinkers, drink up! Dying years too early will save the rest of us lots of \$\$ in taxpayer-funded entitlement programs.

Don’t believe me? Do a search for “what happens to your body within a hour of drinking a coke.”

51. Melanie says:

Guys – most of us girls do not spend \$15 on a haircut, and cannot cut our hair with clippers at home, so saying that you spend such-as-such for a haircut is really not doing much good, unless you are just directing it at guys. =P

52. Kai says:

I’m female, with long hair. I get one of my sisters or roommates to give it a trim for me every once in a while. Costs nothing. I went to a hair place and paid for a haircut once. I found it worse than normal, since they didn’t do anything extra, and wouldn’t take my advice on what works for my hair.

No ladies, you do not NEED to spend \$75 or whatever it is on a haircut (estimating to offset all the \$15 men). You may choose to do so, and see it as valuable for you, but expensive haircuts are not a need. Yes, you can do it at home. Yes, it can be cheap. If you’re going to be exorbitant about your hair, at least own up to it.

53. Life McGowan says:

That was practically basics but come to think of the savings we may get from it, well it’s pretty a good investment on our efforts. I think this was a reminder for the basic living, making a simple life takes a lot of importance that provides a very relative adjustments.