Showing posts with label SAVING MONEY. Show all posts
Showing posts with label SAVING MONEY. Show all posts
Saturday, March 24, 2012
Friday, March 16, 2012
Tuesday, January 4, 2011
GET YOUR FRUGAL GROOVE ON
I keep hearing rumors of four dollars a gallon for gas by summer. Hubby and I are looking for ways to cut back even more on our already frugal lifestyle. We have our heirloom seeds for the garden. I have my eyes out for canning jars and an inexpensive canning pot. Our hot water heater is turned down to the lowest setting, and hubby keeps us on track with five-minute showers. I never go over five minutes because I'm quick in the shower, but my daughter goes over the limit quite often. When the shower police knocks on the bathroom door, she picks up the pace.
Saving money takes some thought and discipline, but there are so many ways to keep money from slipping through your fingers. We bought those weird-looking light bulbs and we're trying to keep lights turned off when possible. Today I opened all the curtains and was amazed at how much natural light came in. I dilute whole milk instead of buying low fat, we reuse scrap paper and cut paper towels in half. Any paper that has no writing on the back gets put into a drawer for future use. I cut the paper into long strips for grocery lists or into smaller squares for note taking. Computer paper often gets printed on both sides. We stopped buying bottled water and purchased some reusable steel water bottles instead. I wash my clothes in cold water and use half the amount of detergent suggested. And I've been making my own household cleaners for at least a year now.
Our latest cut back will be recycling our garbage. We're planning to buy a burn barrel for paper and everything else will have to be recycled. This will mean I'll have to eliminate things like aerosol cans and anything that can't be recycled, so I'll have to change the way I shop, but to save almost three hundred dollars a year in garbage pick up fees is worth the effort. That's two weeks worth of groceries for us.
Today I spent a good hour searching for blogs and websites about saving money. I came across two I liked and even got a coupon for a free bag of pretzels at frugalmom. Check them out and see what you can do to keep more of your hard-earned money in your own hands.
www.thefrugalmom.net
www.familyfriendlyfrugality.com
Saving money takes some thought and discipline, but there are so many ways to keep money from slipping through your fingers. We bought those weird-looking light bulbs and we're trying to keep lights turned off when possible. Today I opened all the curtains and was amazed at how much natural light came in. I dilute whole milk instead of buying low fat, we reuse scrap paper and cut paper towels in half. Any paper that has no writing on the back gets put into a drawer for future use. I cut the paper into long strips for grocery lists or into smaller squares for note taking. Computer paper often gets printed on both sides. We stopped buying bottled water and purchased some reusable steel water bottles instead. I wash my clothes in cold water and use half the amount of detergent suggested. And I've been making my own household cleaners for at least a year now.
Our latest cut back will be recycling our garbage. We're planning to buy a burn barrel for paper and everything else will have to be recycled. This will mean I'll have to eliminate things like aerosol cans and anything that can't be recycled, so I'll have to change the way I shop, but to save almost three hundred dollars a year in garbage pick up fees is worth the effort. That's two weeks worth of groceries for us.
Today I spent a good hour searching for blogs and websites about saving money. I came across two I liked and even got a coupon for a free bag of pretzels at frugalmom. Check them out and see what you can do to keep more of your hard-earned money in your own hands.
www.thefrugalmom.net
www.familyfriendlyfrugality.com
Sunday, February 10, 2008
THE HALF-PRICE LIFE (PART TWO)
In most households, you would find a cabinet full of cleaners. One of the best ways to save money (and space) is to make your own cleaners. Below are some of my favorite recipes for cheap cleaning:
Windows: Add 3 Tbsp. vinegar to one gallon of cool water. Pour into a spritzer bottle and wipe with balls of newspaper (saves paper towels and avoids streaks).
Floors: To one gallon of water, add 1/16 cup liquid soap and 1/8 cup white vinegar.
All purpose cleaner for countertops: To one quart warm water, add 4 Tbsp. baking soda.
Toilets: Sprinkle 1/4 cup borax (found in laundry aisle) and 1/4 cup baking soda on sides of bowl. Pour one cup of white vinegar on sides of bowl. Let bubble and soak, then swish. For cleaning under the rim, add one teaspoon of liquid dish soap instead of borax.
Tub and Tile: Mix 2/3 cup baking soda, 1/2 cup liquid soap and 1/2 cup water. As last step, add 2 Tbsp. vinegar. Then apply, scrub, and wipe.
Drain cleaner: Pour 1/2 cup baking soda down the drain followed by 1 cup vinegar. Let bubble for 15 min. then rinse with hot water. This habit can prevent the need for toxic and expensive drain openers.
Time is the reason we reach for ready-made cleaners and convenience foods. But most of these things are cheaper when they're homemade. If you have the time or you're willing to make the time, you can save a lot of money. I love to make homemade pizza sauce, applesauce, and jam. My kitchen smells wonderful on those days. I also make waffles and freeze them between sheets of wax paper (to avoid freezer stick). Pop the waffles in the toaster and you have a quick breakfast.
Another money saver is homemade jello and canned fruit instead of the fruit and gel bowls that cost two dollars. For lunch box snacks, I store this in small Glad containers. This also works to convert large tubs of yougurt into smaller servings. To save on drinks, I buy frozen juice concentrate. My daughter's favorite drink is frozen orange juice mixed with equal parts of frozen strawberry drink. Yum!
Of course, with all the money you save, you'll want to treat yourself now and then to a restaurant meal or a fun vacation. But even then you'll find yourself taking the thrifty route. Saving money is like a brilliant sickness you can't kick. It becomes a challenge. Anyone can spend money. Saving takes skill. While others boast about expensive purchases, I get excited about yard sale finds I got for next to nothing.
To eat at a restaurant for next to nothing, use entertainment book coupons, sunday paper coupons, or sign up for the birthday club. Birthday club discounts can often be used all at once. Plan to go when the restaurant offers a special price ( usually mid-week). Order water instead of soda, and skip the appetizer and dessert. The highest mark up in a restaurant is dessert.
To eat cheap on vacation, check local newspapers for coupons and hotel lobbys for discount booklets. Eat breakfast out (it's the cheapest meal of the day). Then carry snacks to hold you over until dinner. You'll only pay for two meals a day, and dinner can be ordered as take out which you can eat in your hotel room. This saves the price of a waitress tip, which you can give to the maid instead.
See how creative saving money can be. Two more tips I recently read about but haven't tried is coupon combining and price comping. Combining manufacturers coupons and store coupons on the same item sounds too good to be true, but apparently, some stores will honor this. Just ask.
Price comping is when a store will match the price featured in a local competitors' ad. This allows you to buy all your products in one place instead of running to three different stores for individual bargains. Check with stores to see which ones will honor competitors' sale prices.
So there you have it, everything I learned about saving money so far. Oh and don't forget about prepaid phone cards, farmer's markets, yard sales, consignment stores, and shopping at places like Goodwill. You have an entire closet full of used clothes. Why not add more and save yourself some money. One dance with a washing machine can make any piece of clothing look new. If you work hard for your money, you should work just as hard to keep it.
In most households, you would find a cabinet full of cleaners. One of the best ways to save money (and space) is to make your own cleaners. Below are some of my favorite recipes for cheap cleaning:
Windows: Add 3 Tbsp. vinegar to one gallon of cool water. Pour into a spritzer bottle and wipe with balls of newspaper (saves paper towels and avoids streaks).
Floors: To one gallon of water, add 1/16 cup liquid soap and 1/8 cup white vinegar.
All purpose cleaner for countertops: To one quart warm water, add 4 Tbsp. baking soda.
Toilets: Sprinkle 1/4 cup borax (found in laundry aisle) and 1/4 cup baking soda on sides of bowl. Pour one cup of white vinegar on sides of bowl. Let bubble and soak, then swish. For cleaning under the rim, add one teaspoon of liquid dish soap instead of borax.
Tub and Tile: Mix 2/3 cup baking soda, 1/2 cup liquid soap and 1/2 cup water. As last step, add 2 Tbsp. vinegar. Then apply, scrub, and wipe.
Drain cleaner: Pour 1/2 cup baking soda down the drain followed by 1 cup vinegar. Let bubble for 15 min. then rinse with hot water. This habit can prevent the need for toxic and expensive drain openers.
Time is the reason we reach for ready-made cleaners and convenience foods. But most of these things are cheaper when they're homemade. If you have the time or you're willing to make the time, you can save a lot of money. I love to make homemade pizza sauce, applesauce, and jam. My kitchen smells wonderful on those days. I also make waffles and freeze them between sheets of wax paper (to avoid freezer stick). Pop the waffles in the toaster and you have a quick breakfast.
Another money saver is homemade jello and canned fruit instead of the fruit and gel bowls that cost two dollars. For lunch box snacks, I store this in small Glad containers. This also works to convert large tubs of yougurt into smaller servings. To save on drinks, I buy frozen juice concentrate. My daughter's favorite drink is frozen orange juice mixed with equal parts of frozen strawberry drink. Yum!
Of course, with all the money you save, you'll want to treat yourself now and then to a restaurant meal or a fun vacation. But even then you'll find yourself taking the thrifty route. Saving money is like a brilliant sickness you can't kick. It becomes a challenge. Anyone can spend money. Saving takes skill. While others boast about expensive purchases, I get excited about yard sale finds I got for next to nothing.
To eat at a restaurant for next to nothing, use entertainment book coupons, sunday paper coupons, or sign up for the birthday club. Birthday club discounts can often be used all at once. Plan to go when the restaurant offers a special price ( usually mid-week). Order water instead of soda, and skip the appetizer and dessert. The highest mark up in a restaurant is dessert.
To eat cheap on vacation, check local newspapers for coupons and hotel lobbys for discount booklets. Eat breakfast out (it's the cheapest meal of the day). Then carry snacks to hold you over until dinner. You'll only pay for two meals a day, and dinner can be ordered as take out which you can eat in your hotel room. This saves the price of a waitress tip, which you can give to the maid instead.
See how creative saving money can be. Two more tips I recently read about but haven't tried is coupon combining and price comping. Combining manufacturers coupons and store coupons on the same item sounds too good to be true, but apparently, some stores will honor this. Just ask.
Price comping is when a store will match the price featured in a local competitors' ad. This allows you to buy all your products in one place instead of running to three different stores for individual bargains. Check with stores to see which ones will honor competitors' sale prices.
So there you have it, everything I learned about saving money so far. Oh and don't forget about prepaid phone cards, farmer's markets, yard sales, consignment stores, and shopping at places like Goodwill. You have an entire closet full of used clothes. Why not add more and save yourself some money. One dance with a washing machine can make any piece of clothing look new. If you work hard for your money, you should work just as hard to keep it.
Monday, February 4, 2008
THE HALF-PRICE LIFE
Saving money takes time, which is probably why many women don't bother. When I worked full-time outside the home and full-time inside, saving money was the last thing on my mind. But now I've made it my job to save money, and I want to share some of the things I discovered.
If you want to save, you have to know where the bargains are. Subscribing to the Sunday paper is a must, not only for the manufacturer's coupons, but also for the sale flyers. I always pull out the RiteAid, CVS, and Giant flyers to see what's on sale. Sometimes the overall best offer is from Weis Markets, so I'll shop there that week. But most of the time, I pick and choose bargains from two or three sources and then pick them up whem I'm in that area.
Scheduling your shopping trips in sync with your other errands saves gas. This, of course, takes planning. Writing everything on a calendar allows me to see where I'm going each week so I can plan my shopping trips around those errands. It sounds like common sense, but I didn't always do this.
Another thing I didn't do is check sale flyers. Although I was always a coupon clipper, I didn't realize until recently the importance of those flyers. Last week Rite Aid had a Buy One Get One free (BOGO) sale on snacks. Giant had the same item on sale at two for five dollars. I assumed the BOGO sale would be a good deal. It turned out that Giant had the better deal with a two dollar difference in savings. That would have paid for the Sunday newspaper, but because I didn't check the Giant flyer, I blew that bargain. Made me mad, too!
Another way to save money is to cut things in half. And I mean that literally. For example, I used to buy gallons of 1% milk until someone told me to buy whole milk and dilute it with half water. I've been doing this for months and no one has noticed or complained. That's two gallons of milk for the price of one and I'm told that it's healthier because whole milk goes through less processing. Some other things I cut in half are paper towels, dryer sheets, and the amount of detergent I use when the load is lightly soiled. Nine times out of ten a half paper towel does the job, so I keep them near the roll in a napkin holder.
Planning meals and making a grocery list is another money saver. I didn't always do this either. And I got frustrated when I didn't have the right ingredients for a recipe. Now I look over what's already in the pantry and freezer and work with that first to plan meals. Then I find the recipes I'm planning to make for the next two weeks and make sure I have the ingredients. My grocery list consists of the needed ingredients and the things I write down as items are consumed. That's another good habit to get into. When the laundry detergent is getting low, write it on the list. Simple habits can make life so much easier.
Another wasteful habit I once had was to throw bulk packs of meat in the freezer. Now I buy meat in bulk and wrap it in family servings of about four ounces per person. I also check the number of servings a recipe makes. Some recipes can be cut in half to avoid waste or you can plan to freeze half for another meal later.
To be continued...
Saving money takes time, which is probably why many women don't bother. When I worked full-time outside the home and full-time inside, saving money was the last thing on my mind. But now I've made it my job to save money, and I want to share some of the things I discovered.
If you want to save, you have to know where the bargains are. Subscribing to the Sunday paper is a must, not only for the manufacturer's coupons, but also for the sale flyers. I always pull out the RiteAid, CVS, and Giant flyers to see what's on sale. Sometimes the overall best offer is from Weis Markets, so I'll shop there that week. But most of the time, I pick and choose bargains from two or three sources and then pick them up whem I'm in that area.
Scheduling your shopping trips in sync with your other errands saves gas. This, of course, takes planning. Writing everything on a calendar allows me to see where I'm going each week so I can plan my shopping trips around those errands. It sounds like common sense, but I didn't always do this.
Another thing I didn't do is check sale flyers. Although I was always a coupon clipper, I didn't realize until recently the importance of those flyers. Last week Rite Aid had a Buy One Get One free (BOGO) sale on snacks. Giant had the same item on sale at two for five dollars. I assumed the BOGO sale would be a good deal. It turned out that Giant had the better deal with a two dollar difference in savings. That would have paid for the Sunday newspaper, but because I didn't check the Giant flyer, I blew that bargain. Made me mad, too!
Another way to save money is to cut things in half. And I mean that literally. For example, I used to buy gallons of 1% milk until someone told me to buy whole milk and dilute it with half water. I've been doing this for months and no one has noticed or complained. That's two gallons of milk for the price of one and I'm told that it's healthier because whole milk goes through less processing. Some other things I cut in half are paper towels, dryer sheets, and the amount of detergent I use when the load is lightly soiled. Nine times out of ten a half paper towel does the job, so I keep them near the roll in a napkin holder.
Planning meals and making a grocery list is another money saver. I didn't always do this either. And I got frustrated when I didn't have the right ingredients for a recipe. Now I look over what's already in the pantry and freezer and work with that first to plan meals. Then I find the recipes I'm planning to make for the next two weeks and make sure I have the ingredients. My grocery list consists of the needed ingredients and the things I write down as items are consumed. That's another good habit to get into. When the laundry detergent is getting low, write it on the list. Simple habits can make life so much easier.
Another wasteful habit I once had was to throw bulk packs of meat in the freezer. Now I buy meat in bulk and wrap it in family servings of about four ounces per person. I also check the number of servings a recipe makes. Some recipes can be cut in half to avoid waste or you can plan to freeze half for another meal later.
To be continued...
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