Although we're going through a neo-1980s colour bubble now, neutrals like black, camel and white are always in style, as are secondary neutrals such as navy and brown. That classic statement hue, red, is another perennial favourite. If you're clothes shopping now, stick to the classics so you'll have a quality wardrobe to last through any future financial belt cinching. Classics for any working woman include a well-tailored black blazer and coordinating pants, black sheath dress, flattering sweaters, basic shirts for layering, two to three pairs of work shoes and a neutral raincoat/trench. If you add inexpensive flourishes through belts, scarves, "trend" shoes and shirts whenever you want a wardrobe lift, you're set for practically forever. Whenever you have money to splurge, spend it on one enduring classic, not five cheap items that will look dated and worn-out next season.
4. Get rid of kids' hair care products
Here's a shocker courtesy of the local kids' salon I took my daughter to after a giant tangle threatened to turn her hair into a bird's nest: no-tear shampoo (even premium brands) can be drying – and that can lead to tangles galore. "Get rid of it tonight, and start her on your products," said my kids' hair care expert. Another money and hair-saving tip? Skip the detangling spray; just fill a squirt bottle with a bit of conditioner and warm water. Mix them to a watery consistency and shake to blend: spray this on as you would detangler. It works better and costs next-to-nothing! (Babies still need no-tears formulas for the obvious reason.)
5. Cut back on toys, load up on life
Resisting the siren call of branded toys can be hard, especially with older kids. But if you've got a preschooler, it can be done by limiting the choices they're exposed to. Don't voluntarily introduce them to video games or Internet-connected toys. Do encourage them to get down and dirty in the garden, or at the park. Given a choice, many kids would rather have carte blanche to go wild, and many times, it's us parents who decide a tidy little plastic toy set is better than cleaning mud from our kids' ears and living with grass stains. Those priorities favour costly playthings over no-fee exploration, and sedentary play over physical activity. Will you ever get your kids off the mass-market toy grid (aka "The Toy Matrix")? Uh, not very likely, but you can reduce the amount of toy clutter and the add-on purchases somewhat by giving them mud time outside.
6. Get rid of that second (or third) car
Canadians drive too much. Try carpooling, joining a car-share program, taking public transit, or riding a bicycle or a motor scooter. If you have infrequent errands or mostly work from home but occasionally attend meetings, swap that underused car for a taxi or car service, rather than keeping an extra car in the garage "just in case." Cut your fuel, insurance, maintenance and/or lease costs by sticking with one main vehicle. Bonus: if you have to spring for public transit or cab fare every time you head out, you may think twice before nixing heart-healthy walking or bike ride – something less likely to happen when you drive.
Read more:
6 budget grocery shopping tips
How to live on less money
Create a budget that really works
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