by Hannah Walton aka The Cheapskate Mom

Just a couple years ago – a matter of months really – I used to buy everything I needed – even for one time events like a summer wedding. I would think nothing of dropping a couple hundred on a new dress and shoes – or buying a new purple bracelet to match a date outfit. These expenses added up – and eventually I found myself with zero savings and in some debt. Wanting to still have a fun life but some padding in the bank – I took to borrowing items from friends instead of buying things from the store. My friends were into this idea too – and we would pretty freely borrow from one another (including cars when someone's car was broken down). Borrowing is better for the environment and better for your wallet: it's amazing how supported you can feel when you support others – not to be a hippie or anything

According to the US Census, there are 112 million households in America – that doesn't mean there has to be 112 million cupcake stands!

I'd like to discuss some items you should consider borrowing before you buy. If you feel uncomfortable directly asking friends, consider using social media like facebook and twitter to ask friends if they have a certain item you can borrow : by sending out a group email or post folks don't feel put on the spot and if they genuinely want to share with you, they will let you know.

Things To Borrow , Not Buy

1. One Time Outfits
If you have a one time event – like a winter wedding or job interview – don't go out and buy something new. Bank the money and ask your friends instead. Chances are someone has a suit or a dress they bought for a one-time event and they'll be more than happy to share it with you.

2. Borrow A Car – Don't Rent One
If you're low on cash and your car breaks down – ask friends and family if you can borrow a car or rides instead of the expense of renting a car. On days when you can't borrow a vehicle and you need to drive – rent a car for that day only and save the money!

3. Accessories
Sure, it's a great feeling to go out and buy a new bangle, earrings or belt. But really – accessories usually equal an impulse buy. I say this : be more deliberate about your accessories purchases and buy quality – not quantity. Ask friends if they have a gray belt or black earrings you can borrow for the night.

4. Luggage
If you don't have a lot of money and you're going on a trip – ask friends before you rush out to the store. Unless you're a very frequent traveler – buying luggage just isn't going to be a smart purchase when you're trying to build up your savings or get debt-free.

5. Vacation Accomodations
If you need a get-away and you're low on cash – think about who in your social circle has a cabin, apartment, house or cottage located in a place you'd like to vacation , be it city, country, lake or pond. Ask if you can stay at their place instead of paying a whole bunch of money for hotel accomodations. Be sure to be a very considerate houseguest and maybe bring a hostess gift. Also consider planning a home staycation instead of paying for a vacation

6.Camping Gear
When I first got interested in camping – I was really excited to discover this low cost way to travel and get away from it all. Then I got sticker shock after a trip to EMS. Thank goodness I had some outdoorsy friends who gladly let me borrow camp stoves, a tent and sleeping bags before I was able to find my own setup at yard sales!

7. Party and Wedding Decorations
If you're planning a party or wedding – ask friends what they have that would be helpful before you go out and buy stuff you really don't need! Borrow a punch bowl , platter, cake stand , etc.  There may be 112 million households in America but that doesn't mean there has to be 112 million cupcake stands!