Second Pattern Today
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This funny 100-dollar bill pattern is 12" wide. There are several small interior cuts, so this is an intermediate-level pattern.
The Broke But Hopeful pattern is 10.25" long and cut from 2/4" thick wood.
Here are five practical money-savers that work really well in retirement (without making life miserable)
NOTE: Saving money for me is like cutting a perfect scroll-saw pattern… except halfway through I go, “This would look even better with a new scroll saw,” and the “savings” turns into sawdust.
I did not come up with these money-saving tips. My brain and money do not get along well at all, so I looked these tips up online. You're welcome. My tip would be to see if I can find a quarter under the couch cushion.
1. Know your “must-pay” number
Add up your fixed basics: housing, utilities, insurance, food, meds, transportation.
Once you know that monthly baseline, it’s way easier to spot what’s quietly draining you (subscriptions, impulse buys, extra trips).
2. Kill “silent” spending (subscriptions + auto-renewals)
Cancel anything you don’t use weekly.
Check: streaming services, phone add-ons, app subscriptions, Amazon “Subscribe & Save,” warranties, gym memberships, cloud storage tiers.
3. Shop insurance like it’s your job (once a year)
Compare Medicare plans, supplement/Advantage, Part D, plus home and auto insurance.
A quick annual review can save a surprising amount—especially if rates crept up.
5. Lower the big three: housing, cars, and food
Housing: refinance if it makes sense, appeal property taxes if you can, or downsize if the math is clear.
Cars: keep them longer, drop coverage you don’t need (carefully), combine errands, compare rates.
Food: plan 3–4 “cheap go-to” dinners each week, buy store brands, and don’t waste leftovers (free money).
6. Use the discounts you already earned
Senior discounts, veteran discounts, store loyalty programs, pharmacy savings programs, utility assistance/discounts, and property tax credits (varies by state/county).
Even small discounts add up because retirement spending is often very “repeat purchase” heavy.
All kidding aside, having enough money to pay the bills is important, but true happiness comes from family, friends, and God.
Funny 100 Dollar Bill Pattern
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