Any bargaineer appreciates finding a new way to save some money, which is why I was so excited to hear about the growing trend called “transumerism.”

Apparently, as we Americans respond to pinched credit and lower incomes, we’re taking borrowing to a whole new level, becoming transumers (transient consumers) rather than accumulators.

Transportation: Cars & Bikes

You may already know abut ZipCar and other companies that allow members to use vehicles when and where they want them; now some areas have similar programs for bikes.

• How it works: Use an Internet search engine (or ask local friends) to find vehicle-sharing programs near you. Costs will likely depend on how often you plan to use the equipment.
• Who it works for: People who need a car or bike for occasional trips can benefit from sharing programs to avoid purchasing, maintenance and storage costs.

The Finer Things

This blog post reports that many high-end consumers are renting luxury merchandise like second homes, fancy cars and other items that aren’t in my price range.

But some of the finer things in life – like fashion accessories – are now within the average consumer’s reach, thanks to sharing programs.

• What’s available: Online, you can rent designer handbags, gowns and jewelry – perfect for that once-in-a-while black tie event you must attend.
• Who it works for: People who need fancy clothes only occasionally or who get tired of accessories quickly may be able to save serious money without sacrificing personal style (always a plus).

At the Airport

Airports are crammed with tempting items to buy (food, clothing, gadgets…) And flying usually means spending an hour or so in the terminal while we wait for our flights to board – a dangerous combination for those looking to pinch pennies.

But now there are cheaper options available for those of us who like to browse before we fly.

• What you can get: Airports offer a variety of rental opportunities (beyond the obvious cars). Some places allow you to rent technology gear (like noise-cancelling headphones) and drop them off at your destination. Others offer one-day gym memberships for travelers looking to break a sweat.
• Who it works for: If you don’t travel often enough to justify an investment in travel-friendly technology, renting may be the way to go.

What’s Better than Renting? … Getting Stuff Free!

I saved the best for last: one growing trend for those looking to save both money and the environment is exchanging your old stuff with people who want it – known as swapping, trading and “freecycling.”

The Web site freecycle.org allows you to join a network in your area of people who have stuff they can no longer use.

Jewlery, bikes, books, musical instrument… the list goes on and on.

Whoever needs it can have it – for free.

Then, when you find items you’re ready to part with, you can post them on the site – and avoid clogging the landfill!

An all-around triumph, as far as I’m concerned.

If it’s too late for freebies to help your financial situation, you may be in need of serious debt relief. Learn more about how filing bankrutcy may help.

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