Here are two immediate strategies that can be used to cut costs.
I do a lot of clothes shopping at Macy’s but most of the time you have to use your Macy’s card to make the purchase. I definitely do not want to add anything else to my credit cards but if it is a really expensive purchase, you can always make a payment to the card immediately after purchasing the product. Sometimes there are coupons that can be used with any payment. Kohl’s for example gives you Kohl’s cash and you do not need a Kohl’s card to use it. Also, if the coupon expires, it never hurts to present it anyway. Most of the time no one looks at the date and the system accepts it anyway.
You would be amazed with how much money you have after a month of not going out. Based on my calculations it is over $2,000 per year. If I really make an effort and use my couponse I can save an additional $3,000 on clothes. WOW! Now I can take that European vacation I have been planning for the past 3 years.