How to Save Money in Santa Barbara

82 Comments
Reads 9190

By Greg S.

Living in the Santa Barbara area can have us scrimp on certain expenses.  What do other edhat readers do to try to save money and/or what is your occasional splurge?

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Eggs Ackley Apr 09, 2019 06:58 PM
How to Save Money in Santa Barbara

81 comments and not a one about saving just spending less. (BIG SALE-SHOP NOW AND SAVE!!) never understood how people so readily fall for that one. As a child I had a big piggy bank where I stashed part of the money earned doing chores and taking out the neighbor's trash and sweeping. I was amazed to bust that thing open and find 70-80bucks which ended up in my first savings account at about age 12. Earmark a percentage of your income for savings, no matter what, then earn compound interest. Pay your future self as though they are your most valuable employee. Put your money to work for YOU rather than you working for it, a cruel master.

Luvaduck Apr 08, 2019 07:53 PM
How to Save Money in Santa Barbara

Turn off lights in rooms where they aren't being used or during daylight when they aren't needed. Turn off water when as you brush your teeth, wash your hands, do dishes. Open your home up in the wee hours to cool it and close the windows at dawn on hot days. If it's cold weather open the windows for only half an hour btw noon and two pm. Don't waste food. Take what you need, eat what you take. Use smaller dishes not humongous platters--that will also help you diet. Pack your lunch. Don't drink colas, coffee soft drinks, or anything else of that ilk. They're more expensive than gas. When you drive, group items so you can do a route as if you were a delivery truck and don't fill up at the most expensive stations. Don't pay a premium for foods at places like Gelson's or Whole Foods. Cut out donuts and the like. In other words, live within your means, but in an ecologically sensitive way~

a-1568722948 Apr 08, 2019 05:55 PM
How to Save Money in Santa Barbara

P. S. you can find all kinds of good free stuff on CL or on the streets of SB. Admittedly a lot of it is crap but sometimes you hit the jackpot.

a-1568722948 Apr 08, 2019 05:54 PM
How to Save Money in Santa Barbara

The things I do to save money is I buy lots of stuff at garage sales or on Craig's List, my entire house is furnished with CL items. I also shop on Amazon for stuff like TP, paper towels, dish soap etc. Often if my clothes are just a little dirty (say I spilled coffee on a t-shirt) I just run my laundry through the rinse cycle, you can go to the food bank they generally have great stuff, sometimes organic and dairy/eggs. I cruise Ralph's for the mark downs on salad, dairy, meat etc. I also hit the 99 cent stores.

therealbebe Apr 08, 2019 07:01 PM
How to Save Money in Santa Barbara

YES LANDLORDS PASS ON PROPERTY TAX INCREASES TO TENANTS. Mine came right out and told me that's why my rent was going up. So WHO is subsidizing WHO?

EricL Apr 08, 2019 12:44 PM
How to Save Money in Santa Barbara

It's only mentioned in passing but it can be an enormous savings. DON'T OWN A CAR! Cars are gigantic money sucks - down payments, loan payments, gas, upkeep, insurance, repairs, spare parts, emergency equipment, registration, blood pressure meds to deal with rush hour etc. The add up to so much a young person could fund a comfy retirement just by walking. Not to mention the usual DMV hassles and potential legal entanglements from police/accidents. Yes, there are people that need cars in Santa Barbara - lawyers and contractors, etc. But most people can work, go to school and shop with out one. We have a great bus system and fairly bicycle friendly roads. If you live down town everything is within a 15 minute walk. If you need to go longer distances a cab or Lyft can get you there far cheaper than a car payment even if you take 5 or 6 trips a month. Rent a car for those long road trips. I lived seven years here as a worker/college student without a car. I've lived the past 4 years without one now. Finally, saving money isn't enough unless you have a place to put it where it will grow and be useful, rather than spent on just a pointless higher tier luxury good. I recommend investing in an IRA, 401K, and sending any overflow into Index Funds.

EricL Apr 08, 2019 01:58 PM
How to Save Money in Santa Barbara

I can't and won't say what you or other people ultimately "need." All I can say is that American life is full of Madison Avenue manufactured "needs" that are ultimately BS to buy yachts, cocaine and Ivy League slots. Cars are notoriously one of these and for every person that honestly needs one there's another who fritters away their precious savings on them. They're like frogs sitting in a pot of gradually warming water and oblivious to the fact it will reach boiling and cook them. Also, I have to confess a bit of snobbishness: I don't consider Goleta (mostly resembles an LA suburb - bleh!) or Carp (downtown Santa Barbara 80+ years ago - cool!) part of Santa Barbara. They are - just not to me. Probably a side effect of walking everywhere. Apologies for that.

EricL Apr 08, 2019 02:02 PM
How to Save Money in Santa Barbara

And I owe another apology. My browser hiccuped and I posted multiple replies trying to get the original post up. : /

a-1568722948 Apr 08, 2019 12:49 PM
How to Save Money in Santa Barbara

ERICL - good points, but most families in this town (from Carp to Goleta) need a car. I have 2 kids in different schools (elementary and jr. high), plus 2 teams' baseball practices/games, plus scouts, plus weekly grocery trips, plus my wife works too, so we trade off on driving duties as our work schedules allow. The reality is, that most families have the same needs and therefore, need daily transportation other than a bike or bus. When you're young, single and only need to worry about your own personal needs, then yeah, a car can be optional. But please realize how critical it is to most of us here.

SBLocalGal Apr 08, 2019 12:41 PM
How to Save Money in Santa Barbara

Keep a good internet package but cut your TV package from COX. There are many streaming services available that can still end up costing much less each month than cable TV. If you need help in deciding, there is a ton of information on the internet about cutting cable.

Phantom Blot Apr 08, 2019 12:41 PM
How to Save Money in Santa Barbara

....and you cell phone is not free, or the electricity to charge it. Other people are supporting you. It’s time to get on the Give and get off the Take, Jake. Wake up up and smell yourself, not some ones else’s roses.

a-1568722948 Apr 08, 2019 12:40 PM
How to Save Money in Santa Barbara

FACTOTUM: While a single item may not exceed allowable pesticide limits, it eventually builds up in your system. You might want to check some factotums and see the connection between celiac disease/IBS/gluten intolerance and pesticide damage to the digestive system. It explains the increases in these issues which are not really linked to bread - which humans have eaten for ages - but more so damage to sensitive digestive processes due to pesticides. So yes, staying away from pesticides is crucial. Monsanto is getting slammed now too, for cancer causing roundup. These are the actual factotums.

a-1568722948 Apr 08, 2019 04:19 PM
How to Save Money in Santa Barbara

It has in fact been scientifically proven, in lab animals, that ingesting pesticides over time does damage the digestive tract and mice and other animals began exhibiting an inability to digest certain foods much like those with IBS, celiac disease and gluten issues exhibit. Read about it. They want to suppress that because they are also in cahoots with the FDA and even the EPA who suppressed much of this science based fact. So maybe you save money on the front end but damaging your digestive tract is much more expensive - in more ways than financially, in the long run.

a-1568722948 Apr 08, 2019 04:19 PM
How to Save Money in Santa Barbara

It has in fact been scientifically proven, in lab animals, that ingesting pesticides over time does damage the digestive tract and mice and other animals began exhibiting an inability to digest certain foods much like those with IBS, celiac disease and gluten issues exhibit. Read about it. They want to suppress that because they are also in cahoots with the FDA and even the EPA who suppressed much of this science based fact. So maybe you save money on the front end but damaging your digestive tract is much more expensive - in more ways than financially, in the long run.

Factotum Apr 08, 2019 02:20 PM
How to Save Money in Santa Barbara

Monsanto trial by an intentionally shopped jury is not confirmation by scientific method - studies about the safety and efficacy between non-organics vs organics have been provided. Your personal belief system is apparently necessary for your own sense of food survival; but that does not make your own choices good advice for those who want to save money. Paranoia reduction remains a very good saving technique. Pass it on.

gypsyartist Apr 08, 2019 12:36 PM
How to Save Money in Santa Barbara

The old wise Rabbi said....you should eat below your means.....dress according to your means....and live in a house above your means. I abide by the rabbis saying. Except I shop at Ross for sale items and thrift shops. So I dress below my means to afford the house that is above my means.

paglinsb Apr 08, 2019 11:56 AM
How to Save Money in Santa Barbara

Don't eat out, but if you do, don't buy beverages (even soft drinks). Use the Public Library for its many resources: internet, books & DVDs, concerts, lectures. Groceries can add up. Always check the "day old" or "reduced" sale tables in Ralph's and Smart & Final for super deals. Shop at the thrift stores (great ones in the area). Don't keep pets--it can be expensive to properly care for them, especially as they age. If you can ride a bike rather than drive, that helps. For treats: eat out once a month at an inexpensive place; take a walk on the Wharf and buy an ice cream cone (pricey $5.00, but a treat) . If you have a credit card, only charge what you can pay off in full each month. And mostly, what D8VANILLA said: be aware of the difference between "want" and "need".

a-1568722948 Apr 08, 2019 09:29 AM
How to Save Money in Santa Barbara

I participate. I smile at people and help brighten their day. I am thankful for all Santa Barbara has, including wealthy people. I especially appreciate Roger the Scanner Guy!

a-1568722948 Apr 08, 2019 08:52 AM
How to Save Money in Santa Barbara

Interesting comments about saving , but what is the occasional splurge indulged in? Fresh flowers, mostly from the Farmers' Market is an appreciated luxury for me.

rubyfoo Apr 08, 2019 08:23 AM
How to Save Money in Santa Barbara

Read books, get DVDs, free online magazines, etc. from the libary instead of going to the movies and buying their popcorn, paying Netflix, etc.

Concerned4Calif Apr 08, 2019 08:09 AM
How to Save Money in Santa Barbara

Santa Barbara has free summer concerts " Concerts in the Park" Thursday nights starting July 11th; and Goleta has "Music at the Ranch" on Tuesday nights starting July 16th. Great entertainment and price is right.

Factotum Apr 07, 2019 09:47 PM
How to Save Money in Santa Barbara

Thank a rich person, because they continue to support activities that you can also find ways to enjoy - volunteer to usher for concerts and plays that they sponsor. Enjoy early bird specials at local restaurants, before their prices go up later for the carriage trade. They pay the bulk of the property taxes that support your city services. Say thank you to both the wealthy who can afford to live here and the generous local philanthropists, rather than resenting them for what their own lives have achieved, including being merely a trust funder. The wealthy in this town do invest their own resources making it special, which is why so many want to hang on here whether they can afford to live here or not. Stop kicking them in the teeth. You may never reach their same financial level, but once you figure how to make it work for yourself you do get to enjoy much of what wealthy Santa Barbarans have long provided - an enriched environment where everyone still shares the same sunshine and participates the same rain. The wealthy, who so many on this forum claim to hate, make Santa Barbara a better place to live than Oxnard. You can get the same weather in Oxnard; but it does not have the X-factor that decades of wealthy philanthropy and aesthetics has bestowed on this particular town.

therealbebe Apr 08, 2019 06:59 PM
How to Save Money in Santa Barbara

Factotum, you are tiresome. Spewing the same old, same old. YES LANDLORDS PASS ON PROPERTY TAX INCREASES TO TENANTS. Mine came right out and told me that's why my rent was going up. So WHO is subsidizing WHO? We've been over this already. Pay attention.

Factotum Apr 08, 2019 09:43 AM
How to Save Money in Santa Barbara

Property owners carry extra tax burdens - automatic 2% increases every year; additional school bond taxes and parcel taxes. These annual additions to property taxes are not necessarily passed on to tenants. Most likely if they were, tenants would accuse landlords of rent-gouging. "Paying taxes" on gas or retail items does not even come close to the tax burdens shared by property owners who fund a very large part of city revenues. Income tax burden is not allocated evenly either. Far too many in this state are net tax takers, while depending on the top 1% to produce nearly half of all state income tax revenues.

shorebird Apr 07, 2019 09:39 PM
How to Save Money in Santa Barbara

The produce at Ralph’s is economical and always fresh. Where can you beat $.99 for a bunch of organic kale? It can be put in sandwiches, soups, salads and sautéed as a side dish.

ACF Apr 08, 2019 08:47 AM
How to Save Money in Santa Barbara

The fruits and vegetables at farmers markets are of excellent quality, but I wouldn't say that they are cheaper than in the supermarkets. You're paying for quality and freshness!

ACF Apr 08, 2019 08:47 AM
How to Save Money in Santa Barbara

The fruits and vegetables at farmers markets are of excellent quality, but I wouldn't say that they are cheaper than in the supermarkets. You're paying for quality and freshness!

a-1568722948 Apr 07, 2019 08:49 PM
How to Save Money in Santa Barbara

Don’t go out to eat. Grow your own veggies and fruit. It doesn’t take much space, and you can get a plot (or share) at a community garden.

Ahchooo Apr 07, 2019 08:40 PM
How to Save Money in Santa Barbara

The most cost effective strategy is to share a modest living space with another wage earner, preferably someone you love. And don't have children.

monkeyboy Apr 07, 2019 07:38 PM
How to Save Money in Santa Barbara

We just don't keep up with the jonses. We saved die a decade to put a large down payment at the bottom of the market. We drive 10 year old cars, eat wholesome home cooked meals and don't buy faddish nonsense. We buy quality products a s fix them rather than replacing with Chinese junk. Simple living can make you happy wherever you want to live

LocalMatt Apr 07, 2019 07:29 PM
How to Save Money in Santa Barbara

Oceandrew!!! I am homeless. I have my free cell phone that is prepaid. I go to the library for wifi and use the YMCA for showers. I charge my phone on state street with the plugs in the planter box. Keep helping me. I'll be renting a house to you one day.

a-1568722948 Apr 08, 2019 01:22 PM
How to Save Money in Santa Barbara

YMCA has a sliding scale fee for those less fortunate. The Y has always been a safe rehabilitation spot for us!

Factotum Apr 07, 2019 08:20 PM
How to Save Money in Santa Barbara

The baseball park by Milpas and Cabrillo near the Chromatic Gates has a whole array of fixed work-out devices, just recently installed. Free workout with a view and lots of fresh air.

a-1568722948 Apr 07, 2019 08:13 PM
How to Save Money in Santa Barbara

How much is a one month Y pass ? I am recovering from surgery and need a safe place to exercise .

jasonc70 Apr 07, 2019 07:26 PM
How to Save Money in Santa Barbara

Buy a bread maker on amazon for $70 then buy flour and yeast from smart and final. Now you are ready to make the most delicious fresh bread and pizza dough you will ever have and at the same time save a ton o money!

a-1568722948 Apr 07, 2019 10:50 PM
How to Save Money in Santa Barbara

Bummer - you could try sprouted grains. That's a thing. One of the reasons so many people are 'gluten intolerant' is not so much the gluten, but the way grain is processed. There is an enzyme in the hull that is slightly toxic that changes after the grain is exposed to weather (rain) which it used to be out in the fields. With our modern processes, that doesn't happen anymore. That and being saturated with glyphosates...

a-1568722948 Apr 07, 2019 10:51 PM
How to Save Money in Santa Barbara

Bummer - you could try sprouted grains. That's a thing. One of the reasons so many people are 'gluten intolerant' is not so much the gluten, but the way grain is processed. There is an enzyme in the hull that is slightly toxic that changes after the grain is exposed to weather (rain) which it used to be out in the fields. With our modern processes, that doesn't happen anymore. That and being saturated with glyphosates...

LocalMatt Apr 07, 2019 07:13 PM
How to Save Money in Santa Barbara

Love how comments turn into attacks on personal opinions. As if any of these comments matter including mine.

a-1568722948 Apr 07, 2019 06:43 PM
How to Save Money in Santa Barbara

Be VERY careful and selective on who you marry. A druggie, a spendoholic, even just a lazy bum will cost you more than you'll ever be able to recover.

ParvoPup Apr 07, 2019 05:48 PM
How to Save Money in Santa Barbara

We saved the most money by leaving Santa Barbara - housing costs went from an $1800 a month rental to a $1400 a month mortgage. Utilities dropped by a third. Cut our dining expenses by 75% by learning how to cook the food we missed eating and now we can cook up a better meal than half the restaurants we used to eat at before.

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