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75 Old-Fashioned Living Tips to Elevate Your Everyday Life

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In a world that often values the new, the shiny, and the trendy, there’s something quietly powerful about embracing the old-fashioned ways of living. It’s a return to a simpler time when life moved at a more intentional pace, and the focus was on cherishing the little things that truly mattered.

Those old-fashioned principles hold the key to elevating our everyday experiences, infusing them with more meaning, joy, and fulfillment.

From rediscovering the art of homemade meals to finding contentment in the beauty of nature, these time-honored tips will guide you on a journey of savoring the richness of life’s simple pleasures.

Prepare to awaken your senses, nurture your soul, and create a life that feels truly lived – one thoughtful, purposeful step at a time.

Here are the 75 amazing old-fashioned living tips that are also shared by grandma:

frugal living tips by grandma

1. Plan your meals around what’s on sale and in season.

Meal planning is a crucial step in saving money on groceries. By planning your meals around what’s on sale and in season, you can take advantage of discounted prices and fresher, more flavorful produce.

Check weekly ads and plan your meals accordingly, incorporating seasonal fruits and vegetables into your recipes. This approach not only saves you money but also encourages you to try new dishes and expand your culinary horizons.

2. Cook from scratch instead of buying pre-made meals.

Preparing meals from scratch may require more time and effort, but it can save you a significant amount of money in the long run.

Pre-made meals often come with a premium price tag, and their ingredients are often less fresh and more processed. By cooking from scratch, you can control the quality and quantity of ingredients, resulting in healthier and more cost-effective meals.

Start by mastering a few simple recipes and gradually build your repertoire.

3. Grow your own vegetables and herbs.

Having a garden, even a small one, can provide you with a steady supply of fresh, organic produce at a fraction of the cost of buying it from the grocery store.

Growing your own vegetables and herbs not only saves money but also allows you to enjoy the satisfaction of cultivating your own food.

Start with easy-to-grow crops like tomatoes, lettuce, and herbs, and gradually expand your garden as you gain experience.

4. Use leftovers to create new meals.

Instead of letting leftovers go to waste, get creative and repurpose them into new dishes.

Leftover roasted chicken can become chicken salad or chicken pot pie, while leftover vegetables can be transformed into frittatas or stir-fries.

This not only saves money by reducing food waste but also adds variety to your meals and reduces the need for frequent grocery shopping.

5. Preserve food by canning, freezing, or drying.

Preserving food is an excellent way to make the most of seasonal produce and extend its shelf life.

Canning, freezing, and drying are all effective methods for preserving fruits, vegetables, and even meats.

Not only does this save you money by allowing you to buy in bulk when items are on sale, but it also ensures that you have a steady supply of fresh, flavorful ingredients throughout the year.

6. Make your own cleaning products with simple ingredients like vinegar and baking soda.

Homemade cleaning products are not only cost-effective but also environmentally friendly.

Vinegar and baking soda are two powerful, inexpensive ingredients that can be used to create a variety of cleaning solutions for surfaces, floors, and even laundry.

By making your own cleaners, you can save money while avoiding the harsh chemicals found in many commercial cleaning products.

7. Sew and mend your clothes instead of buying new ones.

Developing basic sewing skills can save you a significant amount of money on clothing.

Instead of replacing worn or damaged items, learn to mend and alter them to extend their lifespan.

You can also upcycle old clothes into new garments or accessories, giving them a fresh, unique look.

Not only does this save money, but it also reduces waste and promotes a more sustainable lifestyle.

8. Shop at thrift stores, garage sales, and flea markets.

Secondhand shopping is a great way to find high-quality items at deeply discounted prices.

Thrift stores, garage sales, and flea markets are treasure troves of gently used clothing, furniture, books, and more.

By shopping secondhand, you can save money while also reducing your environmental impact and supporting local communities.

9. Barter goods and services with neighbors and friends.

Bartering is an age-old practice that can be a great way to save money while building stronger connections within your community.

Instead of paying for services or goods with cash, offer to exchange your skills or possessions with others.

For example, you could trade your baked goods for a neighbor’s lawn care services or swap your handmade crafts for a friend’s tutoring sessions.

10. Use public transportation, walk, or bike instead of driving.

Reducing your reliance on personal vehicles can save you a significant amount of money on gas, maintenance, and insurance costs.

Whenever possible, opt for public transportation, walking, or biking to get around.

Not only is this more cost-effective, but it’s also better for the environment and can improve your overall health and fitness.

11. Carpool whenever possible.

If driving is unavoidable, consider carpooling with coworkers, friends, or neighbors who have similar schedules and destinations.

Sharing the cost of gas and maintenance can result in substantial savings, especially for longer commutes or frequent trips.

Additionally, carpooling can help reduce traffic congestion and your overall carbon footprint.

12. Turn off lights when you leave a room.

A simple but effective way to save money on your energy bills is to develop the habit of turning off lights when you leave a room.

This small action can add up to significant savings over time, especially if you consistently practice it throughout your home.

Consider installing motion sensors or timers to help automate the process and ensure that lights are never left on unnecessarily.

13. Unplug appliances when they’re not in use to save electricity.

Even when not in use, many appliances and electronics continue to draw standby power, which can account for a significant portion of your energy consumption.

Make it a habit to unplug devices like televisions, computers, and chargers when they’re not in use to reduce your electricity bills.

Consider using power strips or smart plugs to make it easier to turn off multiple devices at once.

14. Hang clothes to dry instead of using a dryer.

Air-drying your clothes is not only more environmentally friendly but can also save you a significant amount of money on your energy bills.

Invest in a sturdy clothesline or drying racks, and take advantage of sunny days to dry your laundry naturally.

Not only will this reduce your energy consumption, but it can also help extend the life of your clothes by preventing the wear and tear caused by the high heat of a dryer.

15. Keep your home well-insulated to save on heating and cooling.

Proper insulation is crucial for maintaining a comfortable indoor temperature while minimizing energy costs.

Ensure that your home is well-insulated by sealing any air leaks, adding insulation to attics and crawl spaces, and installing energy-efficient windows and doors.

These measures can significantly reduce the amount of energy required to heat and cool your home, resulting in substantial savings on your utility bills.

16. Use cloth napkins and rags instead of paper products.

Switching to reusable cloth napkins and rags can save you money while reducing your environmental impact.

Instead of constantly buying and discarding paper towels and napkins, invest in a set of cloth alternatives that can be washed and reused repeatedly.

Not only will this save you money in the long run, but it will also reduce the amount of waste you generate.

17. Save and reuse plastic bags, jars, and containers.

Rather than constantly purchasing new storage containers, make a habit of saving and reusing plastic bags, jars, and containers that you already have.

These items can be repurposed for a variety of uses, such as storing leftovers, packing lunches, or organizing small items.

By reusing these containers, you’ll save money and reduce the amount of waste you generate.

18. Make your own gifts instead of buying them.

Homemade gifts are not only more personal and meaningful but can also save you a significant amount of money.

From baked goods and handmade crafts to personalized photo albums and DIY home decor, there are countless options for creating unique and thoughtful gifts that won’t break the bank.

Not only will you save money, but you’ll also have the satisfaction of creating something special with your own hands.

19. Use the library for books, magazines, and movies.

Instead of purchasing books, magazines, and movies outright, take advantage of your local library.

Libraries offer a vast array of resources, including the latest releases and classic titles, all available for free with a library card.

Not only will this save you money, but it will also reduce clutter in your home and promote a more sustainable lifestyle by reducing the need for new physical media.

20. Avoid using credit cards to prevent debt.

While credit cards can be a convenient payment method, they also carry the risk of accumulating debt if not used responsibly.

To avoid falling into the trap of unnecessary debt, consider using cash or debit cards for your purchases.

This will help you stay more mindful of your spending and prevent the temptation to overspend beyond your means.

Additionally, avoid impulse purchases and stick to a budget to maintain financial stability.

21. Save loose change in a jar

Saving loose change may seem insignificant, but it can add up to a substantial amount over time.

By placing all your spare coins in a jar at the end of each day, you’ll be surprised how quickly it accumulates.

When the jar is full, roll the coins and deposit them into your savings account or use them for small purchases, effectively stretching your budget without feeling the pinch.

22. Set a budget and stick to it

Creating a realistic budget and adhering to it is crucial for effective money management.

Start by listing your monthly income and expenses, then allocate funds accordingly.

Prioritize essential expenses like rent, utilities, and groceries, and allocate a reasonable amount for discretionary spending.

24. Do regular maintenance on your home and car to prevent costly repairs

Regular maintenance on your home and car may seem like an unnecessary expense, but it can save you significant money in the long run.

Simple tasks like changing air filters, checking fluid levels, and keeping appliances clean can extend their lifespan and prevent costly breakdowns or repairs.

Neglecting maintenance can lead to more substantial problems and higher repair costs down the line.

25. Cut your own hair or have a family member do it

Haircuts can be a recurring expense, but you can save money by learning to cut your own hair or having a family member do it for you.

With practice and the right tools, you can achieve decent results and avoid frequent trips to the salon or barbershop.

This simple step can save you hundreds of dollars annually.

26. Use natural remedies for minor ailments

Many common ailments, such as colds, headaches, and minor injuries, can be treated with natural remedies like herbs, essential oils, or home remedies.

These alternatives are often more affordable than over-the-counter medications and can be just as effective for mild conditions.

However, make sure to consult a healthcare professional for more serious or persistent issues.

27. Drink water instead of soda or juice

Drinking water instead of sugary beverages like soda or juice can not only improve your health but also save you a significant amount of money over time.

Carry a reusable water bottle with you and refill it throughout the day to stay hydrated without the added expense and potential health risks of sugary drinks.

28. Make your own coffee at home instead of buying it out

The cost of daily coffee runs can quickly add up, making it a major drain on your budget.

Instead, invest in a quality coffee maker and brew your own coffee at home.

You can experiment with different blends and flavors while saving a substantial amount of money compared to purchasing coffee from cafes or drive-throughs.

29. Use a programmable thermostat to reduce energy costs

Investing in a programmable thermostat can help you save on energy costs by automatically adjusting the temperature when you’re away from home or sleeping.

Set the thermostat to a more energy-efficient temperature during these times, and you’ll see a noticeable reduction in your utility bills without sacrificing comfort.

30. Buy in bulk and store properly to save money

Buying in bulk can often result in significant savings, especially for non-perishable items like grains, canned goods, and paper products.

However, you need to store these items properly to prevent spoilage or waste.

Invest in airtight containers and rotate your stock to ensure you’re using the oldest items first.

31. Make soups and stews that can stretch expensive ingredients

Soups and stews are excellent ways to stretch expensive ingredients like meat or seafood.

By combining them with inexpensive vegetables, grains, and broth, you can create hearty and filling meals that feed a family for a fraction of the cost of purchasing individual portions.

32. Reduce, reuse, and recycle as much as possible

Reducing, reusing, and recycling not only helps the environment but can also save you money.

Avoid single-use items and opt for reusable alternatives like cloth bags, water bottles, and containers.

Repurpose items you already have instead of buying new ones, and recycle materials whenever possible to reduce waste and associated costs.

33. Make your own bread, pastries, and pasta

Homemade baked goods and pasta can be incredibly satisfying and cost-effective compared to store-bought alternatives.

With a few basic ingredients and some practice, you can create fresh, delicious breads, pastries, and pasta at a fraction of the cost.

Not only will you save money, but you’ll also have control over the ingredients and quality.

34. Use a slow cooker to make economical cuts of meat tender

Slow cookers are a budget-friendly way to transform tougher, less expensive cuts of meat into tender and flavorful meals.

By cooking the meat slowly over low heat, you can break down the tough fibers and create tender, juicy dishes that are both delicious and cost-effective.

35. Keep a vegetable garden to supply fresh produce

Growing your own vegetable garden, even a small one, can provide a continuous supply of fresh, organic produce at a fraction of the cost of purchasing it from a grocery store.

Not only will you save money, but you’ll also have the satisfaction of enjoying the fruits (or vegetables) of your labor.

36. Forage for wild foods like berries and mushrooms (with proper knowledge)

With the proper knowledge and safety precautions, foraging for wild foods like berries, mushrooms, and edible plants can be a fun and cost-effective way to supplement your diet.

However, make sure to educate yourself on identifying safe and edible species to avoid accidental poisoning.

37. Learn basic plumbing and electrical skills to do simple repairs yourself

Developing basic plumbing and electrical skills can save you significant amounts of money by allowing you to tackle minor repairs around the house yourself.

From unclogging drains to replacing light fixtures, these skills can prevent the need for costly professional services for simple tasks.

38. Use a clothesline or drying rack to dry clothes

Instead of relying solely on energy-intensive dryers, consider using a clothesline or drying rack to air-dry your clothes.

Not only will this save you money on your utility bills, but it can also extend the lifespan of your clothing by reducing the wear and tear caused by machine drying.

39. Keep your tires properly inflated to save on gas

Properly inflated tires can significantly improve your vehicle’s fuel efficiency, saving you money at the gas pump.

Check your tire pressure regularly and maintain the recommended levels to maximize your gas mileage and reduce the strain on your tires, prolonging their lifespan.

40. Buy generic or store brands instead of name brands

Generic or store brands are often substantially cheaper than their name-brand counterparts, but they can be just as effective or of comparable quality.

When shopping for household items, personal care products, or even certain grocery items, consider opting for the generic or store brand to save money without sacrificing quality.

41. Make your own jams, jellies, and preserves

Homemade jams, jellies, and preserves can be a delicious and cost-effective way to enjoy seasonal fruits year-round.

With a few basic ingredients and some simple equipment, you can create your own flavorful spreads and preserves at a fraction of the cost of store-bought varieties.

42. Use a water filter instead of buying bottled water

Investing in a water filter can save you a significant amount of money compared to regularly purchasing bottled water.

Not only is it more cost-effective in the long run, but it’s also better for the environment by reducing plastic waste.

43. Invest in quality items that last longer rather than cheap ones that break easily

While it may be tempting to purchase the cheapest option available, investing in quality items that are built to last can save you money in the long run.

These items may have a higher upfront cost, but they are less likely to break or require frequent replacement, ultimately saving you money over time.

44. Learn to cut family members’ hair

Similar to cutting your own hair, learning to cut your family members’ hair can save a substantial amount of money on haircuts.

With practice and the right tools, you can provide decent haircuts for your spouse, children, or other family members, avoiding the need for frequent salon visits.

45. Batch errands together to save on gas and time

Batching errands together can help you save on gas and time.

Instead of making multiple trips for different errands, plan ahead and combine them into a single outing.

This not only reduces the amount of fuel you consume but also saves you time and effort.

Make a list of all the places you need to go, and map out the most efficient route to minimize backtracking and maximize your productivity.

46. Use a shopping list to avoid impulse buys.

Impulse purchases can quickly drain your budget, leaving you with buyer’s remorse and items you may never use.

To avoid this pitfall, create a shopping list before heading to the store.

Stick to your list, resisting the temptation to buy non-essential items.

This simple practice can save you significant money over time and help you stay on track with your financial goals.

47. Repurpose items instead of throwing them away.

Rather than discarding items you no longer need, get creative and repurpose them for new uses.

For example, old t-shirts can become cleaning rags or quilt material, while glass jars can serve as storage containers or vases.

By reusing items, you reduce waste and save money that would have been spent on replacements.

This eco-friendly approach also promotes a sustainable lifestyle.

48. Learn to knit or crochet to make your own winter accessories.

Instead of buying expensive winter accessories like hats, scarves, and gloves, consider learning to knit or crochet.

With some inexpensive yarn and a little practice, you can create custom, high-quality items tailored to your style and preferences.

Not only will you save money, but you’ll also enjoy the satisfaction of creating something with your own hands.

49. Make your own natural skin care and beauty products.

Many commercial beauty products are laden with harsh chemicals and come with a hefty price tag. To save money and promote better health, consider making your own natural skin care and beauty products.

You can use simple ingredients like coconut oil, honey, and essential oils. With a little research, you can create effective, affordable products tailored to your specific needs.

50. Use energy-efficient light bulbs.

Switching to energy-efficient light bulbs, such as LED or CFL bulbs, can significantly reduce your energy consumption and save you money on your utility bills.

These bulbs may cost more upfront, but they last much longer and use far less energy than traditional incandescent bulbs, making them a worthwhile investment in the long run.

51. Insulate your water heater and pipes.

Proper insulation for your water heater and pipes can reduce heat loss, allowing your water heater to operate more efficiently and save you money on your energy bills.

Insulating materials are relatively inexpensive and can easily be installed, making this a cost-effective home improvement project that pays for itself over time.

52. Use a fan instead of air conditioning when possible.

On milder days, consider using a ceiling fan or portable fan instead of running your air conditioner.

Fans use significantly less energy than air conditioning units, making them a more cost-effective and eco-friendly way to stay cool. This simple swap can lead to substantial savings on your energy bills during the warmer months.

53. Reduce meat consumption; try more plant-based meals.

Meat is often one of the most expensive items in a grocery budget. To save money and promote a healthier lifestyle, consider reducing your meat consumption and incorporating more plant-based meals into your diet.

Ingredients like beans, lentils, and vegetables are generally much more affordable than meat, and they offer a variety of health benefits.

54. Use a rain barrel to collect water for your garden.

Installing a rain barrel to collect rainwater can provide a free and sustainable source of water for your garden, reducing your water bill and promoting water conservation.

Rain barrels are relatively inexpensive and easy to set up, making them a cost-effective solution for keeping your plants hydrated without relying on costly municipal water sources.

55. Compost kitchen scraps to create free fertilizer for your garden.

Instead of throwing away kitchen scraps like vegetable peels, eggshells, and coffee grounds, consider composting them to create free, nutrient-rich fertilizer for your garden.

Composting is an easy and eco-friendly way to reduce waste and provide your plants with the nutrients they need to thrive, eliminating the need to purchase expensive fertilizers.

56. Avoid convenience foods and snacks, which are often overpriced.

While convenient, pre-packaged snacks and meals often come with a premium price tag. To save money, opt for preparing your own meals and snacks from scratch using whole, affordable ingredients.

Not only will this save you money, but it also allows you to control the ingredients and create healthier options for yourself and your family.

57. Make your own yogurt, cheese, and other dairy products.

Dairy products can be a significant expense in a grocery budget. To save money, consider making your own yogurt, cheese, and other dairy items at home.

With a few simple ingredients and some patience, you can create high-quality, cost-effective dairy products tailored to your preferences.

58. Teach children about saving and frugality from a young age.

Instilling the values of saving and frugality in children from a young age can help them develop lifelong financial habits that will serve them well.

Teach them the importance of budgeting, avoiding impulse purchases, and finding creative ways to save money. By making frugality a family priority, you can ensure your children grow up with a healthy relationship with money and a strong foundation for financial success.

59. Use a manual push mower to cut grass if you have a small lawn.

For those with smaller lawns, consider using a manual push mower instead of a gas-powered or electric mower.

Not only are manual mowers more environmentally friendly, but they also eliminate the need for costly fuel or electricity. With a bit of elbow grease, you can maintain a well-groomed lawn while saving money and reducing your carbon footprint.

60. Swap books, clothes, and toys with friends and family.

Swapping is an excellent way to save money while also reducing waste and promoting sustainability.

Instead of buying new items, consider organizing swap events or joining swap groups where you can exchange gently used books, clothes, and toys with others in your community.

This not only helps you save money but also gives new life to items that might otherwise end up in landfills.

61. Use cloth diapers instead of disposables.

Switching to cloth diapers can significantly reduce your environmental impact and save you money in the long run.

Although the initial investment in cloth diapers may seem higher, they can be reused hundreds of times, ultimately making them a more cost-effective and eco-friendly choice.

Cloth diapers are made from natural materials and are biodegradable, unlike disposable diapers that contribute to landfill waste.

Moreover, cloth diapers often feature adorable designs, allowing you to express your style while practicing sustainable parenting.

62. Make your own baby food.

Preparing homemade baby food is not only cost-effective but also ensures that your little one is consuming fresh, nutritious, and preservative-free meals.

By making your own baby food, you have complete control over the ingredients and can tailor the recipes to suit your baby’s preferences and dietary needs.

Additionally, homemade baby food reduces waste from store-bought jars and pouches, making it an environmentally conscious choice.

63. Use a sponge and bucket to wash your car instead of going to a car wash.

Instead of relying on commercial car washes, consider washing your car at home using a sponge and bucket.

This simple method not only saves money but also conserves water by allowing you to control the amount used.

Furthermore, washing your car at home eliminates the need for harsh chemicals often employed by car washes, reducing environmental pollution and protecting local waterways.

64. Seal drafts around doors and windows to save on energy costs.

Sealing drafts around doors and windows is an inexpensive yet effective way to improve your home’s energy efficiency and reduce utility bills.

By preventing air leaks, you can maintain a more consistent indoor temperature, reducing the strain on your heating and cooling systems.

This not only saves you money but also contributes to a more sustainable lifestyle by reducing energy consumption and your carbon footprint.

65. Collect and use rainwater for houseplants and cleaning.

Harvesting rainwater is an eco-friendly and cost-effective way to meet your household’s water needs.

By installing a simple rainwater collection system, you can gather and store rainwater for various purposes, such as watering houseplants and cleaning.

This practice not only reduces your water bill but also helps conserve precious natural resources, making it a sustainable choice for both your wallet and the environment.

66. Use the smallest appliance necessary for cooking (e.g., toaster oven instead of full-size oven).

When cooking, choose the smallest appliance suitable for the task at hand.

For instance, consider using a toaster oven instead of a full-size oven for smaller meals or reheating items.

Smaller appliances consume less energy, leading to lower utility bills and a reduced environmental impact.

Additionally, they often preheat faster and cook more efficiently, saving you time and effort in the kitchen.

67. Make large batches of meals and freeze portions for later.

Preparing large batches of meals and freezing portions for later can be a significant time and money-saver.

Not only does this practice minimize food waste, but it also allows you to take advantage of bulk discounts when purchasing ingredients.

Furthermore, having pre-cooked meals readily available in your freezer can help you avoid the temptation of ordering takeout or dining out, which can be more expensive and less nutritious.

68. Use a pressure cooker to reduce cooking time and save energy.

Investing in a pressure cooker can be a game-changer in terms of saving time, energy, and money in the kitchen.

Pressure cookers work by trapping steam inside the pot, cooking food more quickly and efficiently.

This not only reduces cooking time but also saves energy by requiring less heat. Additionally, pressure cooking can tenderize tougher cuts of meat, allowing you to enjoy delicious meals while stretching your food budget.

69. Keep your freezer full to maintain efficiency.

Maintaining a full freezer can help improve its efficiency and reduce energy consumption.

A well-stocked freezer requires less energy to maintain its temperature compared to an empty one.

Consider storing frozen water bottles or reusable ice packs in any empty spaces to help your freezer operate at peak efficiency, ultimately saving you money on your energy bills.

70. Share magazine subscriptions with a friend or neighbor.

Rather than each person purchasing their own magazine subscriptions, consider sharing subscriptions with friends or neighbors.

This not only saves money but also reduces the amount of paper waste generated.

Once one person has finished reading a magazine, they can pass it along to the next person in the sharing circle, allowing everyone to enjoy the content while minimizing their individual costs and environmental impact.

71. Choose hobbies that are low-cost or free, like hiking or bird-watching.

Explore hobbies that are low-cost or even free, such as hiking, bird-watching, or photography.

These activities not only provide enjoyment and relaxation but also offer opportunities for exercise, exploration, and personal growth without breaking the bank.

72. Volunteer at events where you can enjoy the experience without paying for admission.

Instead of paying for admission to events, consider volunteering your time and services. Many organizations offer free entry or discounted rates for volunteers. This allows you to enjoy the experience while contributing to a good cause.

Volunteering not only saves you money but also provides a sense of fulfillment. It also gives you the opportunity to meet new people and learn new skills.

73. Use a home remedy for pest control, like diatomaceous earth for insects.

Rather than relying on harsh chemical pesticides, explore natural and cost-effective home remedies for pest control. One popular option is diatomaceous earth, a powdery substance made from fossilized algae. It effectively dehydrates and eliminates insects without posing harm to humans or pets.

Not only is this method safer for your family and the environment, but it can also save you money compared to expensive commercial pest control products.

74. Repair leaky faucets and toilets promptly to save water.

Addressing leaky faucets and toilets promptly can significantly reduce water waste and lower your utility bills. Even a small drip can waste gallons of water over time, leading to unnecessarily high water bills.

By promptly repairing these issues, you can conserve water, save money, and contribute to environmental sustainability by reducing the strain on water resources.

75. Practice preventive health care to avoid expensive medical bills later.

Prioritizing preventive health care can help you avoid costly medical bills in the long run. Regular check-ups, screenings, and a healthy lifestyle are all part of preventive care. By identifying and addressing potential health issues early on, you can reduce the risk of developing more serious and expensive conditions.

Additionally, maintaining a balanced diet, exercising regularly, and managing stress can contribute to overall well-being and potentially lower healthcare costs.

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