Tag Archives: Frugal Inspiration

Why You Should Double Check Your Phone Bill- It Might Save You Hundreds

I recently posted an article, How One Phone Call Saved Us $343 and it made me really think about other bills and if there were ways to lower them. Today, I called At&t about our family plan phone. I pay this bill indirectly through my mother because it isn’t in my name but it’s still cheaper to have all of our phones  together on one plan. For the most part our plan is really basic, besides for one thing. My mother had added an unlimited early nights and weekend calling feature to our plan a couple years ago when we kept running out of minutes and running up the bill.

However, when At&t introduced free mobile to mobile (on any plan not just At&t) we stopped needing as many minutes. In fact, we now have over 10,000 rollover minutes we can use anytime. So I canceled the unlimited early nights and weekend calling at $16.99 a month and saved $203.88 this year!

Rebates – Are they worth it?

I recently received a $3 postcard check for a Lysol rebate that I did so long ago I thought for sure it wasn’t coming. Then, this week I received a $10 Publix gift card from the Kimberly Clark rebate (see HERE) and I heard back from the Tyson’s rebate (see HERE)  which I apparently didn’t qualify for but they sent me a coupon for a free item anyways.

I  have mixed feelings when it comes to rebates. I don’t like the idea of buying something just because I will get the money back in a few months. I never consider rebates a guarantee, an example being the Tyson rebate above, because rebates often take a long time and usually it is hard, if not impossible, to track them.

That being said, there are some cases where I will do rebates-

1) If a rebate lines up with a deal I am already doing, as was the case with the Tyson rebate HERE

2) If it is for something I already needed to buy anyways

3) If I really, really want to try the product, usually because it’s something I will use

In these cases, I will do the rebate because I already feel that I have gotten a good deal or bought something I needed and then the rebate is just the icing on the cake. That way if it doesn’t work out I don’t feel like I wasted my money.

How One Phone Call Saved Us $343

When we moved into our new house about 6 months ago we got a really great introductory deal on internet and cable. Yes, we have cable. I know that cable is a highly debated item in the frugal world, with most people believing that you should just do without. In another situation, I would be one of the people without cable. However, we do have cable because 1) We got it at a very low rate 2) I feel that what we pay for it monthly is a good investment in spending time in our home and spending less money going out 3) We are in a position where we can afford it. A trip to the movies for two people can easily cost more than what we pay for it monthly. Now that I have overly explained myself (does my guilt at having cable show?), I can move on with my story.

So we got a really great introductory deal on cable and internet when we moved, which actually included $150 in Visa gift cards we had no clue we were getting, that we were able to use to buy our TV, one of the very few home purchases we have made since moving (See How We Got a 46 inch Flat Screen TV for $149). As we all know, the catch with introductory deals is that they end and then the company raises the price. The new $55 a month higher price was not a good deal. But I had a plan for that! A competitor offered us similar service for the introductory price so we could have switched but instead I decided to call and politely let out current company know about competitor’s price and also problems we had been having with our internet service. After an amount of negotiating they reduced our price back down and gave us free internet for one month (which I wasn’t expecting).

This one phone call which took less than half an hour saved us THREE HUNDRED AND FORTY-THREE DOLLARS and that’s not even including the lower taxes we will pay on this lower bill. I don’t particularly enjoy making phone calls like this but like most people in America, I don’t make over $300 in half an hour so this was a huge savings for a little bit of time and energy.

My next phone call project is going to be switching my car insurance.

Read How My Next Phone Call to the Phone Company Also Saved Us A Lot Of Money- Why You Should Double Check Your Phone Bill- It Might Save You Hundreds

30 Simple Money Saving Tips for the Kitchen

1. Keep Bananas Fresh Longer– This is so easy I can’t believe I never heard of it. I love having bananas in the house but I hate it when they go bad before we can eat them all. To keep them from browning longer all you have to do is wrap them in a plastic bag and twist it closed. I use the plastic grocery bag I took them home in.

2. Use a Baking Mat– They can be used instead of foil over and over again. They actually help prevent food from burning and you can wash them in the dishwasher. So easy!

3. Unplug all kitchen appliances unless you are currently using them– How many years have you been paying electricity for a microwave, coffee maker and toaster that you use for maybe one hour a day? I wish I had that money back and I bet you do too. I was surprised how quickly this became a habit for me.

4. Use Less Dishwasher Soap– When I had a crappy dishwasher I had to almost completely wash every dish before they went into the dishwasher. I found out (and later read in an article) that you don’t always have to use the double dose or both cups of dishwasher soap to get a load of clean dishes. Experiment and see how little you can get away with.

5. Wait Until Your Dishwasher is Full– A Dishwasher cycle is the same no matter how many dishes you use so you might as well find out how much you can put in it and still get the same clean dishes.

6. Run Your Dishwasher at Night– By running it at night you can turn off the heated dry function and your dishes will be dry in the morning. This also saves money because of #7

7. Use Non-peak Hours for Electricity Savings– Many electric companies charge less if you use your appliances during non-peak hours when the electric grid is less active, like at night.

8. Cook Food in your Microwave– A microwave is much more energy efficient when cooking food than turning on your whole oven or stove top. Click HERE for more information about it. I use my microwave to brown ground meat- it’s faster and easier. Many meals can now easily be made in the microwave.

9. Eliminate Paper Products– We don’t buy napkins ($2 a pack), paper towels ($6 a pack), paper plates ($4 a pack) and disposable cups ($4 a pack). That’s at least $16 a month savings. I have an easy system where we keep reusable napkins (in place of paper) and hand towels and rags (in place of paper towels) in a drawer for easy access. I also keep a small hamper in the kitchen that I throw them in when I’m done. I add these to the regular wash. To save time we don’t even fold them, just put them out of site in the drawer. This is also a green idea. I love saving trees.

10. Make Use of Your Freezer– It’s known that freezers work better when full. If you make extra food, instead of leaving it in the fridge to spoil, freeze it in meal sized portions. Or freeze extra bread until you will need it.

11. Stock Up on Free/Cheap Products– When kitchen products are free with coupons stock up. I have a nice stash of dish soap and cleaning products so that I never have to pay full price.

12. Soap is Soap– This is something that a scientist told my mother at the Orlando Science Center. I often use dish soap as hand soap because it’s cheaper. I personally like Olay Hand Renewal. The label even tells you it’s for hands. My mother has also used shampoo for laundry detergent over the years because she could often get it for cheaper.

13. Make Your Own Cleaning Products– Many can be made by things you have in your kitchen already. This also helps eliminate chemicals from your home. Click HERE to see a great list of easy products to make.

14. Buy in Bulk/Stock Up– This applies to anything you can get a good deal on and reasonably store and use before it goes bad. You know what space you have and what you use frequently. I recently stocked up on canned chicken (HERE) because it will last for years and I know we buy it regularly.

15. Use Every Last Drop– Make sure that you get every last drop out of any product in your home. Some easy strategies include- Turning a bottle upside down, adding water and shaking, cutting a container open, and using a spatula to get the rest of something out of a jar. Click HERE to read an article I wrote about it.

16. Don’t waste– It’s a sin the amount of food that Americans throw away. The biggest problem in my household of two people is eating all of something before it goes bad. I’m trying to do a better job of using leftovers for new meals and freezing extra portions. For example- Last night we had baked chicken and tonight I will use the remaining chicken to make a chicken and rice meal.

17. Eat What You Already Have– This also helps eliminate waste. I love making dinner from items that I already have in my kitchen. Take stock of the items that have gotten lost in the back of your pantry and use them in meals before they expire.

18. Be Organized– Nothing makes me madder than buying something and realizing I already had it in the fridge. Being organized will help you know what you have and what you need to use.

19. Make Use of Your Kitchen Utensils and Appliances– Why have them if you don’t use them? I have a glass dish that is partitioned down the middle and is perfect for holding two side items and even better I can heat both up at once saving electricity.

20. Don’t Buy Expensive Plastic Containers– The container your butter comes in may not be as stylish as Gladware but it works just as well. Containers food comes in can be washed and reused the same as expensive plastic food storage products.

21. Store food in Reusable Holders– Using the pot I cooked a stew in and covering it with the pot’s matching lid or using a glass container with a lid saves me from having to wash additional dishes and also saves money by using less foil and plastic.

22. Don’t buy more than you need– Sometimes a larger bottle is a better value but if you will never use all of it before it goes bad it isn’t saving you money to buy a larger size

23. Make it From Scratch– For the price of a couple packages of cookie dough I can buy all of the ingredients to make cookies from scratch and have lots of flour, eggs, and sugar left over for other meals. Another advantage is that you know exactly what is going into your food.

24. Double Your Milk– Click HERE to read how to double your milk. This may also work for highly concentrated juice.

25. Add Water– Adding water to items that are highly concentrated does dilute them but sometimes you don’t need an item at full strength, whether dish soap or milk. This can stretch your hard earned dollars in a way you won’t even notice.

26. Filter Your Own Water– Buying a Brita type filter pitcher has been proven to pay for itself. I hate paying for bottled water and water from your own faucet is a hundred times cheaper.

27. Use The Web– The internet is full of really great recipes and there are sites that will even give you recipes based on ingredients you have in your house. Supercook.com is one of these.

28. On Cold Days Run Your Appliances– Running the dishwasher and using the oven on a cold day will help heat up your house and save on heating expenses, especially if you were going to use them anyway.

29. Use Less Dishes– Anything that has to be washed requires time, energy, and money. I try to use as few plates, utensils, and cups as possible. For example when making bagels I will use the same knife for the butter and then cream cheese because butter will not contaminate the cream cheese. I am very, very careful about contaminating foods but some are compatible. Other easy ideas would be using the same cup all day or sharing a spoon for stirring your morning coffee.

30. Shop at Dollar Stores– Some products work the same no matter how much you pay for them. Small kitchen utensils can be bought very inexpensively. Dollar Tree even has a section devoted to them. Click HERE to see other items I found there for extremely cheap.

What do you think? Does anyone have any ideas that I missed? Leave a comment below, I would love to read them!

11-23-11 Frugal Quote

“A lot of people’s hobbies actually cost them money, mine actually saves me money!”

– Erin, Extreme Couponing

Waking up to Cold Florida Air and Oranges

This morning, I woke up early even though it’s my day off. It’s hard to sleep in now that I have to get up at 6:30am every day for work. I was shocked at the cold weather when I ran outside in my PJs to get my Sunday newspapers. For those of you who don’t know I live in Florida and this is the first cold day of the year. I grabbed my boyfriend’s winter coat from the back closet and tiptoed into our backyard to take a picture of our Water Well for another post (see HERE).

I was so excited to see that our three orange / tangerine trees haves started to grow fruit. As a Florida child I grew up with orange and tangerine trees in the back yard. I have great memories of being a child and going out to pick oranges in the cold air. We usually had so many that we couldn’t even give them all away and that was only from one or two trees at a time.

I can’t wait to have baskets of fresh FREE fruit to eat or give away. In my experience Orange and Tangerine trees are really easy to take care of (plant them and that’s it!) and yield tons of fruit year after year. I think having a fruit tree is a great frugal venture. I may try to make homemade jam this year. Or we may simply be able to give baskets of oranges to friends and family as early Christmas presents.

Frugal Articles

I don’t know about you but I love reading articles about frugal living. Why? It gives me new ideas and reaffirms what I’m already doing, therefore providing inspiration!

Here are a few articles I have stumbled upon lately that I thought were worth sharing.

– To Repair or Replace? That is the Question.

By Jeff Yeager

 

5 Ways to Save Money on Laundry

By Dan Shapley

 

How We Cut Our Monthly Spending by $500

By Brian Hopkins

 

Happy Reading!

About the Author

I want to clarify something that I often think when I am typing my posts. You do not know me besides for this blog. I could be a crazy cat lady with absolutely no money. The things I write about in this blog could be strategies of desperation not frugality. However, thankfully, neither of those things is true. I live in a beautiful home in a nice area with my boyfriend and our pets. We have plenty of money to pay our bills. We have expensive furniture and decent cars. Why are we frugal? Because we want to choose where our money goes and when. We don’t want to owe anyone anything. The truth? Our cars were bought with cash years ago and we don’t have car payments. Our expensive furniture was not expensive for us because most of it was obtained second hand or with smart shopping or was given to us. Instead of using the money we have left over after we pay our bills frivolously we try to use it consciously so that we can save for really amazing experiences.

And guess what? We just returned from a cruise to the Bahamas!!!! We had an amazing time, we lounged in the sun and stuffed ourselves with unlimited food.

That being said, we do occasionally go out to eat and to the movies and shopping (sometimes even without coupons *gasp*). We do not live a life that in anyway makes us feel deprived. Our smart spending enables us to live a really amazing life, work less, do more fun stuff and help those we love when they need it.  🙂

Free Subscription to All You Magazine

allyou

For those of you who have never heard of it, All You magazine is a magazine that “pays for itself” because it is full of coupons and money saving ideas. I love reading it for frugal advice and information and I have wanted a subscription for a long time. However, my mom and aunt love magazines and give me lots of them so I have refused to buy any magazine subscription, but I had enough free amazon.com egift cards from Swagbucks (a search engine you get rewards for searching on) to get a free subscription.

Now when my copies arrive in the mail I will be even more excited because I know they were free (and I love free stuff) and they will also save me money.

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Budgeting While Working Crazy Hours

I am currently working about 45 to 50 hours a week and spending 10 hours a week in the car commuting back and forth to work. It’s hard to find time to coupon, time to grocery shop, time to be organized. All of these things end up costing me money. When I can’t make it to the grocery store or cook I end up eating out a lot more. When I run out of something and don’t have time to make it to the cheapest store I sometimes end up buying it at the closest store for a higher price. I have no idea how women with children can work this many hours.

Work itself comes with many expenses. I spend at least $180 a month on gas just for work and that will probably go up this summer. My choice to buy a fuel efficient car (no not a hybrid, just a small car) has saved me thousands. I bought my car with cash so I have no car payment. I also spend much more than I should buying work lunches. At my former job location I spent $100 a month on toll roads getting to work. I need new work dress shoes and more dress clothes. Sometimes I wonder how much working costs me?

Reading the book The Tightwad Gazette taught me that a lack of time to do things for yourself will cost you a lot of money. When I worked waiting tables at a restaurant the number of hours I worked was directly proportional to the amount of money I needed. I didn’t like working there so I spent my free time figuring out how to save money so I could work even less. I stopped buying paper products (minus toilet paper). I combined trips to save gas. I went to the library to check out DVDs and books instead of renting and buying. I tried to cook more and eat out less. I tried to make sure that I used any perishable food items before they went bad because I hate throwing food away. I wore clothes that I already owned. I shopped at thrift shops. I couponed my heart out. We went to free movie screenings and the $2 theatre for entertainment. Yes, at times it bothered me not to have any money to spare.

Now I feel that I have traded having little money for having little time. Was this a good trade? Sometimes I wonder. I do know that I waste more money now, but I also have more in my savings. I have dental insurance, eye insurance, and life insurance now. I recently spent over $350 on theme park annual passes for a special occasion and I could afford them. Some days I feel like all I do is work. Some days I love working. There is definitely a trade off and I’m not sure which is better.

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