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Twenty money-saving tips from bankers and their wives

If you want ways of saving money, an investment banker may not seem the best source of advice. Believe it or not, however,  bankers are changing their spending habits as their bonuses shrink and become allocated over several years. Both bankers and their once free-spending wives are suddenly becoming familiar with the art of thriftiness. For your benefit, we’ve spoken to a selection of current and ex-bankers and to their spouses about how they’re cutting their personal spending.

Related:  EU bonus rules to hit hard

This is what they have imparted. We hope it is of use.

1. Go on a clothes diet

So you think that you, or your spouse, spend nothing on clothes? Think again. “I didn’t think I bought many clothes,” said Heather McGregor, a former banker-turned headhunter (who places ex-bankers into investor relations roles with search firm Taylor Bennett). “But last year I stopped buying clothes for six months and realised how much I had been spending – just on a pair of shoes or a scarf here and there.”

In some cases, spending on clothing can be extreme. In 2009, Marie Douglas Davis, a former investment banker and Swedish countess argued that she needed $4.5k a month to spend on clothes during a divorce case.

2. Involve the entire family

Cutting spending is not simply about reducing your own outgoings. “When I quit banking more than a decade ago, we had to challenge our whole family to live on less,” said McGregor. “it is hard to make big life changes unless everyone in the family is encouraged to help.”

One ex-trader who joined a small hedge fund said his children have been told there’s less money around and – surprisingly – have accepted this fact. “The only one who doesn’t seem to get it is my five-year-old,” he said. “The older ones have been told we can’t afford all the things that we used to have and they seem to get it – if only because all their friends have been told the same thing.”

3. Put your children into the state school system

With day fees anything from £5k ($7.6k) a term in the UK and boarding fees anything from £8.5k a term, private schooling may well be the biggest recurring expense of any well-paid banker. In New York, popular schools like Horace Mann charge $39k a year just for kindergarten.

“If you have a well-paid job in banking and the biggest single drain on your future resourcing is schooling, then you may need to make some difficult decisions,” said McGregor. “It’s not simply that your bonus is worse than expected this year, it is likely to be worse than expected for the rest of your working life. This is the new reality.”

One ex-banker said he took his two sons out of boarding school and put them into the state school system: “They adapted surprisingly well.”

4. Make your children pay their own university fees

Is it so bad for your children to pay their own tuition fees at university? Not really. “People forget that in the UK the government offers student loans that cover fees,” said one ex-banker who is making his son pay his own way through higher education.

5. Change your travel habits

Eli Lederman, a former managing director at Morgan Stanley who has reinvented himself as an author, said he’s ditched business class flights. “I still go to New York  five or six times per year, but now I forego business class to travel in premium economy,” he said. “With the new flexibility to plan ahead – which was impossible when I worked for a bank – you can get good fares. And if you’re smart about it, the airlines still give you all the perks.”

Similarly, Lederman said taking the train is far cheaper when you can be flexible about the times you travel. “When you go into London from the country, the trains are filled with ex-bankers who love to travel off-peak on the discount fares.”

6. Start ironing

This may sound like a small thing, but while they’re working most bankers do not iron their own shirts. When they stop working or lose money, they start ironing.

“Now I iron all my shirts,” one ex-banker told us. “I’ve always loved doing this in a Zen kind of way, but I never had the time to do it.”

Another banker, who used to work at Goldman Sachs and now runs his own business, said he gets his wife to iron his shirts nowadays. “At Goldman there was a service in the basement where I dropped my shirts off for a fee, but now I ask Jane to do it for me,” he said.

“The wife is doing the ironing,” another banker told us. “She’s not loving it, but she doesn’t want to get a job herself so is having to accept it.”

7. Don’t carry so much cash

The more money you have in your pocket, the more you will want to spend it. “Stop carrying a wedge of cash around with you,” said the ex-Goldman banker. “It reduces the temptation to tip people so much.”

8. Start tutoring your children yourself

Giving your children ex-tuition may be time consuming and (occasionally) infuriating, but it can save a small fortune. “One of my mates is spending £250 an hour on tutors to prepare his son for school,” one hedge fund manager told us. “I’m spending £35,” he added.

9. Stop skiing, or ski more cheaply

In the ideal world, financial services professionals in the City of London would take a Powder Byrne skiing holiday every year. Unfortunately, this can be a little expensive. “I took the family skiing with Power Byrne last year and spent £13k,” one hedge fund manager told us. “It was great – they take the kids away from you in the morning and only return them in the late afternoon, but you pay for that kind of attention.”

There are cheaper alternatives. This year, the hedge fund manager told us he’s looking at cheaper deals with Iglu Ski or Inghams, both of which offer bargain last minute deals. “This is what everyone is doing,” he said. “Everyone’s going down market – even my mate who’s got more money than God.”

Related:  Why hedge fund wives don’t do Switzerland 

Related:  Hedge fund honchos move to Geneva

10. Stay with friends

When you go on holiday in the summer (or over Easter), don’t pay for your accommodation – stay with friends.

“I went to the Maldives six times in a row,” said the hedge fund manager. “But last year we didn’t go to the Maldives for the first time in six years – we went to stay with friends in New York. I saved around £12k in the process.”

Related:  Banker country homes

11. Sell the second home

Anecdotally, this isn’t happening much yet – but it could start happening soon. “The second home in the country is where you rack up the most serious costs,” said the hedge fund manager. “A lot of people I know are talking about ditching the country house. No one’s done it yet though.”

12. Have all your medical problems sorted out before you lose your job

This too is an option for thrifty bankers who have medical conditions which they’ve neglected whilst working long hours. Rumour has it that one banker, having been giving notice to quit, decided to address his hernia and knee condition before his private medical insurance ran out and he was compelled to pay for treatment himself – or to use the National Health Service.

13. Shop online

Shopping for groceries online is a recognised method of saving money. A study last year by research firm Nielsen found that around 50% of UK consumers now buy their groceries online and that saving money is a big factor encouraging food shoppers online.

“We now have everything delivered by Ocado,” said the hedge fund manager. “However, last weekend we went to Waitrose and found ourselves buying a lovely piece of cheese and a huge side of salmon. Everything’s much more tempting when it’s there in front of you. When we buy online we order less and are more utilitarian.”

14. Cook your own food

Now that bankers are working less hard, they are getting home earlier. When they get home early, they have more time to help with food preparation.

“I cook every night now,” boasts one ex-trader. “Since I left banking I’ve become very house-trained. I used to cook a bit, but at the bank I was always out, entertaining clients. That’s changed a lot – I’m home early now and can make food from scratch. It’s much cheaper.”

15. Start cycling

The streets of London are (reputedly) full of bankers and hedge fund managers on Boris bikes (the rentable bikes pioneered by the Mayor of London). A year after their launch in 2010, it was claimed that the bikes were used almost exclusively by rich middle-aged men. Boris bikes were ‘posh boy’s toys’ argued Ross Lydall in the Evening Standard after statistics showed that most Boris bikers were indeed white men earning more than £50k a year.

Boris bikes have been a money-saving revelation, the hedge fund manager told us. “I was spending £150 a week on taxis until I discovered Boris bikes. Now I cycle twenty miles a day. These days, my wife spends more on taxis than I do.”

Related: How banking can ruin your body and mind 

16. Ensure both adults are working

Putting your spouse to work may not save money, but it will at least bring more money in. The male bankers we spoke to were hesitant about insisting their wives got jobs (“There aren’t any out there,” said one). But wives themselves were more open to the idea.

“I work,” said Adele (not her real name), the wife of a European banker in London. “My husband’s bonuses are less, but we still have enough money coming in with two incomes.”

Adele said she stopped working for a few years when she had her children and then retrained as a garden designer. “Being self-employed and having my own company means I can fit work in around the children,” she said. “We used to have a nanny, but it’s not necessary any more – I can work when the children are at school.”

17. Put your teenagers to work

In the UK, the government says teenagers can start working from age 13, at which point they can start working 12 hours a week or 25 hours a week during school holidays. In the US, the Fair Labor Standards Act says students can work from age 14 and that 14-15 year-olds can work 18 hours a week during school times and 40+ hours a week during holidays.

In both countries, teenagers can work full time from age 16. One ex-banker told us she’d encouraged her teenagers to get weekend jobs.

18. Sell your old stuff

Gigi, a member of staff at Knightsbridge-based Salou Dress agency, which buys and sells pre-owned designer clothes, said they have plenty of bankers’ wives among their clientele. “People can certainly save money with us, as long as they don’t mind having second things and clothes that are slightly out of season,” she informed us.

Financiers’ wives can also sell their unwanted clothing items via Salou. “A lot of women have a little clear out and cash-in their old jumpers,” said Gigi.

If you want to raise the most money through clothes sales, however, it may be advisable to take to eBay. Salou charges sellers 50% of everything that’s sold, said Gigi. “You can get someone to sell your clothes far more cheaply on eBay,” she said.

19. Dump Sky or any other premium cable service

The ex-Goldman banker we spoke to say he’d cancelled his Sky subscription. “I was paying £80 a month. Now I just watch the footy in the pub instead,” he said.

20. Get a Prius

Finally, one banker points out that you can save a lot of money if you own a car which is both fuel efficient and exempt from road tax. In the UK, a Toyota Prius ticks both boxes. “I swapped a Volvo for a Prius years ago,” he said. “I’ve since saved a fortune in road tax, fuel and insurance.”

Related articles:

How banking can ruin your body and mind 

How to tell your wife – or husband – that you got a bad bonus 

What really happens to bankers who lose their jobs

Why hedge fund wives don’t do Switzerland 

Comments (56)

  1. Sack the chauffeur, sell the Bentley, shop at Lidl….

  2. Get you wife to do the ironing? Seriously?

    bernadettechapman Reply
  3. Get your wife to do the ironing? Seriously?

  4. Great tips!

    Kudos on finding that delicate balance between classism and sexism.

  5. This HAS to be a joke.

  6. Reblogged this on Left with Balls and commented:
    Great tips for unemployed bankers. Stop flying business, start ironing your own shirts, get your kids to public schools. I’m taking out my little violin.

  7. This HAS to be a joke!

  8. Cancel your private health insurance and get paid to enrol the entire family in scientific experiments.

  9. Wait, is this satire?

  10. This has got to be the most unintentionally hilarious thing ever spawned into the world. If it was written on purpose, it would be a modern day Gulliver’s Travels or The Prince. Holy hellboy and all the saints I cannot believe people equate this stuff with sacrifice.

    Jef With One F Reply
  11. “Put your children into the state school system”?!?! Why not just ship them off to an orphanage? I hear London is experiencing a shortage of chimney sweeps these days, too.

  12. You know, this is good, but I think you’re missing a few things that might really help the average wealthy investment banker take the sting out of tightening his belt. For example:

    – You could put your spare change into a piggy bank. I know it might sound odd, but that spare change can add up after a while!
    – Skip Starbucks and brew your own coffee. You can really save a lot on a daily basis by not forking over for that big mocha latte every day, and just brewing coffee at home. Better yet, make your wife do it while you’re making her iron your shirts! And it’ll be the perfect way to cut the extra calories out of your diet!
    – If you are not particularly fond of one or more of your younger children, there is a great way to kill two birds with one stone by cutting costs at home on food AND the mouths you need to feed. I have been assured by a very knowing American of my acquaintance in London, that a young healthy child well nursed is at a year old a most delicious, nourishing, and wholesome food, whether stewed, roasted, baked, or boiled; and I make no doubt that it will equally serve in a fricassee or a ragout. Not to mention the guilt you will spare yourself by not having to put the little tyke into a private school. It may sound radical, but it’s just a modest proposal.

    Good luck!

    supernovashock Reply
  13. I really like the assumption that all these bankers are men. What if there is a straight woman banker? Should she get her wife to iron her shirts? Should she just quit in an effort to apease the patriarchy so this article can hold true? I can’t believe this article was written by a woman. Shame on you, Sarah Butcher. It’s women like you who make it so much harder for the rest of us to to break out of the shitty mould society says we must fit.

  14. Straight women bankers are a dying breed.

    Edwarde Sanspoisson Reply
  15. Maybe they’re dying in ironing accidents…

    Jef With One F Reply
  16. Trading in the Volvo for the Prius? Oh, great idea! Selling my worn out clothes and blankets – yes, that would pay for at least a couple of bags of rice! It’s funny, I discovered cooking at home is actually cheaper than eating out for every meal. Wow – funny I just discovered that now – you’d think since I was a banker I’d be better at maths but oh well, life’s funny that way. I also have some organs for sale. If anyone wants them, please contact me at sellingthethirdhouse@gmail.com

    ThankfulForBankersWives Reply
  17. This is either satire, or exhibit A in the inevitable public trial (hopefully followed by a robust flogging) of these out-of-touch douchenozzles.

  18. Mon Dieu! It is like the French Revolution never happened!

    Let me check my basement for the spare guillotine, I’m sure there’s one around here somewhere.

    Madame Defarge Reply
  19. 1. I spend less than $800/year on clothes for a family of four. That’s 1 teen, 1 5-year-old, and 1-auto mechanic (think: grease, brake cleaner, sharp metal, tools)
    2. Hahahahahahaha. My 5 year old knows that Santa only brings one toy, because the economy is rough and even Santa had to cut back.
    3. Seriously?! Everyone I know sends their kids to public school, and several of us take advantage of the $25/week aftercare program for our kids because both parents work.
    4. Thank goodness, we don’t have any in university yet. But the teen already knows she is expected to work her way through, just like Mom. Unless her Paternal grandparents want to pay for it, like they did for her dad.
    5. Travel? “travel” in our house means driving the hour to Dad’s place to let the kids play on his 12-acres of scrub.
    6. Save the electricity for the iron – we buy nothing but wash & wear. Whether that’s what the tag says it is or not.
    7. We never carry any cash.
    8. Even better – the teen tutors the 5 year old, because both of us work!
    9. Never have skiied
    10. Don’t go on “holidays”. Husband doesn’t even get vacation days.
    11. Technically, we don’t have a second home, but only because it was cheaper to move closer to work and rent a home than keep living where we were and drive 120 miles, each, every day. So we own one and rent one, and have a tenant living in the house we own.
    12. “Right to Work” state. Employers are not required to give notice. Medical coverage generally ends on employment termination date. IF you have medical coverage to begin with.
    13. Um, no, not so much here. Groceries online would cost too much for shipping. We shop Sav-A-Lot, Cash-Saver, and Wal-Mart instead.
    14. Okay, truthfully, I don’t cook every night. I work second shift, so my husband cooks – every night.
    15. I live 58 miles from my office, and 25 miles from husband’s job (which is in the opposite direction from my job, in addition to him working a different shift). We work where we can find it.
    16. The hubby was jobless when we met. He hasn’t been out of work more than a day since we married. I was out of work 3 weeks once, due to layoffs at the software development firm where I worked, but outside of that I’ve had a full-time job since I was 19.
    17. The teen is welcome to get a job if she likes, but we also offer to pay her for watching her brother in summer if she isn’t working elsewhere, as she is cheaper than a daycare facility, and actually cares about his safety and welfare.
    18. Everything we have is old.
    19. We do have basic cable service. The hubby would like extended basic, but I have to have internet service to be able to work from home on occasion, and we cannot afford both. (No, my employer does not reimburse me for the use of my internet service for work purposes.)
    20. *Snort. Both of our vehicles are paid off. Instead of shelling out an extra $40,000 for a Prius, we spent $2,000 for a cheesy knockoff of a Yamaha VStar 250. So instead of driving something that gets 45 mpg or so (avg, per a coworker who owns one), I drive something that gets 75-80 mpg.

  20. The author left out many tips:

    Stop carrying a credit card;
    Stop mail and email catalogues;
    Instead of hosting a party, cohost at someone’s home;
    Make presents of potted jams or specialty recipe or candles at the holidays; and most importantly
    Let your friends know what you’re doing. If they’re your friends, they’ll help you. If not F’em!

  21. I sincerely hope this was at least in SOME part meant as satire. People can’t really be this clueless? Ironing is soooo Zen… Gigi informs it’s okay to shop second-hand as long as you don’t mind being slightly out of season! Cut down on those wintery slopes! And that second home really has to go…. Economy class might be crappy, but it sure is thrifty! For some reason I keep picturing a 1950s housewife and a crusty old millionaire lounging in his leather chair and wearing a monocle, both taking turns churning out these tips. Regardless of the intent of this article, its content unfortunately reads like a joke.

  22. “People forget that in the UK the government offers student loans that cover fees,”

    You’d think bankers would know how loans work.

    thanks gawker for linking this page. i have been trying to compose a piece for the tiny violin and this is just full of inspiration.

  23. Save on expensive binoculars – stand closer to whatever it is you’re looking at.

  24. You could also look for a job with some modicum of morality – this would help ensure you do not raise children as soulless as yourself, thus decreasing the chance they will need costly rehab for the addictions they took on as a replacement for the love of a parent who put the almighty dollar ahead of all else.

  25. Wow, Sexist much?

  26. Yes, you WOULD think that a banker would understand how student loans work. My one is calculated on my parents’ income (as parents are expected to provide support if they can) so i’d imagine that banker’s son isn’t getting very much.

  27. Your article made me throw up a little in my mouth. I have a bit of advice TO bankers & their wives FROM the 99%: do not ruin our economy you greedy b*stards, that will obviate the need to consider any of your ever so thoughtful budgeting prescriptions.

    must-be-a-joke Reply
  28. 21: when your servants die, don’t waste money on burial or cremation expenses. instead, have your chef roast them slowly in an oven as you would a pig. top tip: roast servant pairs well with a ’47 cheval blanc or an ’82 latour.

  29. I just to notified my husband that I’m quitting my job in exchange for ironing his shirts every day. Gosh, sure hope there’s a banker around who will refinance our mortgage to reflect our sudden 65% drop in household income.

  30. Poor entitled twits. Welcome to reality. The rest of us have lived here for a while. Don’t worry you will eventually adapt to it just like your poor snot nosed children have adapted to those piddly public schools.

    is this a joke? Reply
  31. To hell with anyone who this list applies to. You’re the reason the rest of us can’t have stable benefits.

  32. I think you know where I’m going to tell the banker to stick his cash.

  33. I thought I’d seen everything, all the absurd realities of the chosen elite. But no. This takes the cake. I can’t wait for the day ofthe rope.

  34. Is this real? Nothing like a good, solid mixture of out-of-touch elitism, misogyny, and a dash of idiocy to make for entertaining reading. It will be a beautiful day when every single one of you fuckers is lined up against the wall.

  35. This is awesome! I didn’t know “The Onion” had a financial site!

  36. And everyone thinks the bankers in the US are out of touch. I can’t believe some of the other tips overlooked: Plumb your bidet with tap water instead of the blood of your clients or Perrier; Replace toilet paper with $1 notes instead of $20 notes; When purchasing loaves of bread, use more than just the heels of the bread prior to discarding; Use chicken eggs instead of sturgeon eggs for breakfast; The list is endless on how to survive on meager earnings!

  37. Just seeing someone use the phrase ‘Wedge of cash’ makes me want to smack them upside the head. Do these people seriously need to have more than a million dollars? We need to fix this moneyarchy.

  38. How about pimping yourself for cash instead of drugs? What isn’t that one on the lsit?

  39. Because sometimes TheOnion.com just doesn’t do a subject justice!

    Well done, Sarah Butcher, my hat is off to you. Many laughs were had. Some sadness. A little more than a tiny smidgen of rage. Then a few more laughs. Kudos!

  40. class wars coming to a nation near you sometime by 2050

  41. Keep your money out of banks.

  42. Don’t splurge on $800 Beluga caviar; opt for something from the Black Sea latitudes instead. At $550 a half-pound, the taste difference is indistinguishable and your billfold will thank you (and your guests will be green with envy).

    therealstinkyy Reply
  43. I’m hoping this is satire. “sell the second home” Seriously?? we have a whole generation of Americans who cant get home loans because they’re essentially migrant workers roving from contract to contract and some ducklips botox bimbo wants you to know that life hard in the ivory tower. She should be grateful the masses haven’t lynched her champagne-stained hubby’s chicken neck!

  44. How about this tip:
    Get a bunch of poor people who have struggled their whole lives to get ahead, only to see their families end up falling farther behind. Go to the bankers’ (and CEO’s and hedge fund managers and mortgage thieves) opulent houses, and kill them. Take their money, “earned” by shuffling money around to magically make new money while other people busted their asses working all day, and distribute it among the people who actually make this world go around. Sounds pretty nasty, huh? Well it’s not any nastier than what the ‘job creators” have been doing to us for, well, ever. Grinding us up to make their fortunes, and throwing us away when we’re too tired, sick or old to work any more.

    It’s easy to roll your eyes and say “this article must be a joke”, but economic inequality has never been greater even in the developed world, and it’s getting much worse every year. Meanwhile the rich and their paid-for politicians debate whether the world’s wealthiest country can “afford” to ensure its citizens can get health care, whether workers should be allowed to organize to protect their rights, and whether its poorest children should ever have a chance to do better than their parents.

  45. One way that I save myself money on a regular basis is by parking my private jet and just taking the bus to Vegas. A jet is not really necessary unless travelling over oceans. This method has saved me bucket loads of cash. I recommend you all to do the same, but if those smelly commoners are just too dirty for you to rub elbows with, you might also consider booking a personal car on the train.

  46. Tell your NASCAR and NFL team owner friends that you’re busy working, and watch your sports on TV.

  47. I like number 10! After spending his last 6 vacations (‘holidays’ to y’all in the UK) in the Maldives, the hedge fund manager decides he wants to go cheap and spend his next holiday with his friends in New York! Can’t help but wonder how long they’ll stay on friendly terms, especially if this is his new 6-year plan!!

  48. Spend the money and enjoy it,before they take it from you.Look at Cyprus,buy the Benz and live large.

  49. Out of all of these, #17 is the most implausible by far.

  50. Lets all remember to read these back to them before we offer the blindfold and cigarette.

  51. A Prius saves in road tax, etc., but the original price of the vehicle compared to the cost of running it has proven to be higher than owning a regular vehicle. Plus, it pollutes more than regular vehicles due to pollution created in the battery manufacturing process and disposal of the battery after its ten-year life.

  52. good to hear what is happening

  53. Pingback: Primal on a Budget? - Page 2 | Mark's Daily Apple Health and Fitness Forum page 2

  54. Advice to change a car to Prius is beyond ludicrous.

    Whatever the situation, the last this a person should do is to change his car to Prius, due to safety reasons. In a case of a heavy car accident, nothing would save your life if you are in a small Prius. If, however, you are in a large and heavy Range Rover Vogue or Mercedes GL, your chance to survive in a crash are many, very many times higher.

  55. That’s a good list for starters – but there’s 10 more things us billionaires need to consider in times like this.

    1. Stop being so altruistic. We all bought a politician or 10, but only ever asked them to do something that would benefit our companies (such as coming up with horror stories about weapons of mass destruction so we could sell more bombs), but never to do something to benefit ourselves.
    Now is the time to ask them to restore social justice. There’s no reason whatsoever why the homeless bum should be paying a smaller sum in taxes than we do. He’s the one primarily benefitting from that infrastructure built using my tax money, he doesn’t just travel on the road, he also lives there!
    Change the tax law to not ask for a percentage of income or assets, but a fixed price for everyone. $100K/year sounds fair. It’s fair, us job creators will benefit and be able to create more jobs, and lazy slobs who can’t afford even such a small sum can be sent off to labor camps to work off their debt.

    2. Make more efficient use of our servants. There’s really no need to have both a butler and cleaning personnel. Make the butler clean up! He doesn’t need time off or sleep, after all he’s paid to work, not to rest.

    3. Cancel the membership in country clubs in vacation locations. Most of us have some vacation location they like to go to every 10 years or so – and of course subscriptions to the local country clubs, high-end fitness studios etc.
    It turns out that cancelling those subscriptions and just paying for admission when actually there can sometimes be cheaper! I saved $50K last year.

    4. Take the limo. This may be hard to get used to, but I found taking the limo instead of the private jet for travels up to 20 miles saves a lot of money.

    5. Spread the money across several offshore bank accounts. Savings on taxes can be huge!

    6. Save on the servants’ medical expenses. There’s really no need why they should have health insurance or similar benefits. If they need to see a doctor, send them to a vet instead. They’re cheaper, and as an additional benefit, they can put their patients to sleep if there’s not much hope for a cure. This saves a lot of money!

    7. Sell that TV station. While it is true that we need to buy TV stations to make our voices heard and not get them lost in the communist liberal media, who but a fellow billionaire can actually afford buying them? Sell your TV station, it will still spread the good word!

    8. Save on the servants’ food. If you’re like us, you used to allow your servants to eat your table scraps when you’re full. In situations like this, where the interest rate on our money is less than $1 billion per month, we can’t afford that anymore. Charge them for their food, or, if it’s in their contract, serve them salted dog food. The table scraps can be fed to one of your racing horses.

    9. Get rid of nasty subscription fees. Chances are you’re paying up to $100/month for a telephone line and internet connection, and possibly even more for Pay-TV. Just buy the company providing those services! Then you can make them stop charging you. Recurring fees are nasty!

    10. Make the servants bring their own tools! Why should you pay for the detergents your cleaning personnel need? After all, THEY need it, not you. Make them bring their own.

    Charles and David Koch Reply
  56. Some decent tips here – but sadly i can’t trust my wife to iron my shirts…

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