More ahead than behind: take care, brush your hair ...

Here's one of the best parts with the way hair styles go these days. You just have to own it. And hairstyles are not as conservative or fastidious as they once were. So there should be a through line or some rhyme or reason to it but there's also a little more elbow room for creativity.

"Where's he going with this," you're probably asking yourself. You'd be right to ask that.

All this means is that if you're really looking for more ways to cut overhead expenses, save money and you think you're running out of options, try cutting your own hair.

My wife cuts both hers and mine. And she's getting better at it too. I was hesitant at first, I don't know that she's received professional training (though she does have math degree) so I reluctantly said, "what the hay?" And to be honest, it's good.

If this is something you want to do, here's a "training wheel" tip. Get a haircut at your regular place and just practice keeping it trimmed to get used to the idea and better at the actual cutting.

Buy our estimate, we can easily save between 1000 and 1500 dollars a year by doing this. Your savings may be more or less depending on hair length and city of residence but you get my drift.

"cut it out"

Hello, hello, hellooooooo..............

Brad's wife here - I decided to step in when I read his original post. I'm the one who teaches finance classes around the city and teaches get out of debt workshops - so I want to address something here. This suggestion is NOT something I teach or talk about when I'm giving workshops. This is one of those EXTREME money saving tips - this is something I would share with friends and people who are DESPERATELY trying to find a way to have some extra cash and just cannot find any way to cut and snip any more than they already have. Think of this tip as coming out of the Get of Debt Master Class. It's one of the crazier, last suggestions I would give. Here's why - It's difficult, it will mean experimenting for a while (unless you already know how to professionally cut hair) It means watching those awesome youtube videos on style and haircut to get some tips. It is not for the faint of heart. I have definitely messed up both my and my husband's hair on MANY occasions. And luckily, we sort of just laugh at it and then wait for it to grow back. If it's important to you - your hair, your appearance - I would probably not embark on this journey.

But Brad's right - we do save quite a bit. Not so much on his hair as we do on mine. I've spent everywhere from $40 to $250 on haircuts. And spending anything from $40 to $100 has always left me unpleased with my hair stylist and his/her happy scissors. And this is not without me trying. If you know me at all, you know my persistence. I had spent the last 6 years trying to find a hair stylist I could be loyal to. I found only 1 who could do my hair well, but unfortunately, she charges $250 for a cut. So my options - spend upwards of $1500 on my hair a year, or learn to do it myself. I obviously chose the latter.

As for my husband, I'll admit, it began as a fun little game on a Friday night. 'Let's cut your hair!' and that first hair cut was pretty darn good. Then a few cuts in, I lost my touch and left him with a not so good cut. So he went to go get a professional cut - which he hadn't had to do in 5 years because he was consistently working a hosting job that had a stylist on site every month to touch up his hair (hard life for him, right?) So off he went, spent $45 and came home with this.