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Showing posts with label Frugal Friday. Show all posts
Showing posts with label Frugal Friday. Show all posts

Friday, February 22, 2008

Frugal Friday: Goodbye Cable

This is the third time in my life I've lived without cable, although its the first time I've lived without it for reasons mostly related to money. The first time I had no cable was when I was little. We lived out in the country and cable just didn't exist out there at that time. The second time was when I was traveling the majority of the time with my old company. At that time I could have squeezed it out of the budget, but I was only home on the weekends, and sometimes not even then, so I figured why pay for something I was never going to use? The third time, which is currently, Hubby and I made the decision to forego cable when I was told we would have to pay a $99 dollar connect fee, which they refused to waive. I was pretty angry about this, because I already HAD cable, and if I had moved within my area, I would have been considered a "transfer" and not had to pay it again. So I figured I had lived without cable before, I could do it again.

For entertainment, we use our rabbit ears and Netflix. Our rabbit ears pick of the local channels. The reception is hit or miss. Some days a channel will be crystal clear, other days it will be somewhat off. It is rarely ever so bad that you can't watch though. Of course, Netflix is our real source of entertainment. We LOVE Netflix. We LOVE movies. Netflix allows us to watch as many as we want, as often as we want. Its great and CHEAP.

So if you're looking for a way to cut costs, consider abandoning your cable or satellite. You'll miss it at first, but eventually you'll find other forms of entertainment that are just as good. For more frugal tips, visit Frugal Friday!

Friday, February 1, 2008

Frugal Friday - Making it yourself

One frugal way of living I've discovered recently is that I can actually make the things I need - I don't necessarily need to buy them all. This was an oddly profound moment for me. My mom at Homemaking Dreams, loves to sew and quilt and is always making gorgeous handbags and household items. For example she recently made me some cloth napkins, which I use a lot, in fact I've stopped purchasing paper towels all-together. So my mom is partially responsible for my new found realization. The other culprit is my new/very, very old sewing machine. My Grandmother died in a car accident 8 years this month, and for 8 years her old Kenmore sewing machine has been resting in its cabinet in her home - until my Aunt came across and thought I might be interested - YES I WAS! In fact I had a very surreal moment when I pulled it into the house and plugged it in. I simultaneously realized I did not know hot to thread a sewing maching, AND that the machine was STILL threaded from the last time my Grandma had used it. So I examined how she did it and learned. It brought tears to my eyes to be able to learn something special from her 8 years after her passing. So there's my backstory - here's the frugal part:

I've been using online tutorials to actually MAKE things with my sewing machine! This past Saturday I made a bathmat (pictured below). Who knew you could MAKE a bathmat?? They are fairly expensive at the store and it never occured to me that I could design one myself and for only about 5 dollars!

In addition to my bathmat, I am sewing curtains for my kitchen. Most full length curtain panels that I've seen cost anywhere from $20 and up, EACH. Yesterday I found Clearance fabric that matches our kitchen perfectly - and for only $15 total I'm making custom curtain panels (3 of them!).

For Crafty ideas and to see take part of the GRAND OPENING of the Homemaking Dreams Etsy Shop visit HomeMaking Dreams. For more Frugal Friday tips visit Biblical Womanhood.

Friday, January 18, 2008

Using Credit Cards To Your Advantage

There are a lot people who shun credit card use out there - and with good reason. Credit Card companies, as with most companies, are simply out to make money. And they make it by taking it from you. Having said that - I STILL think its ok to have one or two cards that are paid off monthly - IF you're making money on the deal.

We have a Southwest Airlines Credit Card. We've earned lots of FREE airfare as rewards for using the card. Do we charge a lot on the cards or spend outrageously? NOPE. We simply use our card for everything we do. We us it to buy a drink at the mall or a candy bar at the store. We use it to buy our weekly groceries and our gas. Even some of our utilities are set up to run through our Southwest card.

It all adds up, and we have free airfare to show for it. The Southwest card is the only card I recommend if you are interested in free airfare. Most other airline cards use a miles based system that takes a Loooooonnng Tiiimme to build up a reward. Usually you need 25,000 miles to get a ticket. Not so with Southwest. You need 16 points. That's it.

Some people don't like using credit because they feel they overspend and charge up a balance they can't pay back. But if you use your credit responsibly, you CAN make it work for you. In our case, it actually saves us money to use our credit card because we travel to visit family and friends so often. (In fact I haven't paid for hotel rooms OR plane tickets in about 4 years, but thats another post!)

Legends of the MALL, Part 2: Fake Sales

Everyone loves a good sale, but did you know that sometimes those drastic price cuts are not actually cut at all? One of my favorite mall stores is Aeoropostale. I like this store because the clothing is cute and cheap compared to its competitors American Eagle and Abercrombie (wonder why they all use "A" names??). I also do a LOT of Christmas shopping at this store because other people in my family love it as well and they tend to have great sales around the holidays - or do they??

Because of my continued loyalty to the store I notice what the normal prices are on their staple items like baby tees and jeans. So when I went to Aeropostale this year to do my Christmas shopping I was a little angry to find that despite the HUGE 50% OFF signs that were hanging in every window and set on every table, the actual discounted price of the item was the exact same as it always is...! For example a pair of jeans that is usually priced $24.99 had been re-tagged with a $49.99 sticker and then a 50% off sign had been placed above the rack. The same was true for t-shirts. The same t-shirt that would normally be priced around 10 dollars had been marked UP to $20 and then had a 50% off sign stuck on the table.

I have to admit I was a little angry that they would trick their customers in this way and think that no one would notice (even though they snuck it past me for several years!). It really got me to thinking about retail in general and the "sales" they have to attract customers.

About 5 years ago, I worked part-time at Victoria's Secret. There were several items in the store that were always on some kind of sale - but when you did the math they were actually always the SAME price. Lotions and body sprays were almost always 5 for $30, or 3 for $18. The company simply shifted the numbers around to make you think it was on an even better sale than the week before. Underwear was the same - 5 for $25, or 3 for $15.

Retailers employ all sorts of tricks to make you think you are getting a deal, when if fact you're still paying the exact same price! For example, at some grocery stores the milk might go on sale - but the bread will be hiked about 20 cents to compensate. (On a similar note - did you know the reason milk and cheese and bread are in the back of the store is so you have to walk past all the non-staple items on the way to get them? Hmmmm.)

So, my point here is not to shun your favorite store, after all - despite my revelation at Aeropostale that day, I purchased several items anyway - but to make a point when shopping to not be a victim of marketing! Make purchases because you see what you need or because you really like a certain shirt. Not because things are on "sale". Avoid temptation and notice prices so that you don't over-pay. Many people keep a price book in their purse to keep track of normal grocery prices so they know a deal when they see one - this is a GREAT idea. Happy Friday everyone! For more frugal tips head over to Crystal's Blog.

Thursday, January 10, 2008

Legends of the MALL. Part 1 - Impulse Purchases

Today I was shopping at the local mall and went into a store to purchase one item that I needed. ONE item. That I NEEDED. When I took it to the register I was greeted by a young friendly woman who asked me if that was all I needed. Yes, I replied. She said was I sure, because "we have lots of little lotions and other items you might need right here at the register". I'm all set, I replied, this is a gift and I need only this ONE item. OH! Its a gift! Would you like to add some other items and make it a gift basket? The lotions are only a dollar. I politely declined once more, but what I Really wanted to say was "Please just ring me up and let me leave. That lotion may be only a dollar to you, but to me a dollar is a BIG DEAL!

Does this sound familiar to you? Have you ever purchased an "impulse item" because a nice lady gently pushed you into it? Or maybe you actually didn't notice at all because the nice lady was so smooth. Most of you probably know that the sales lady is really just trying to do her job and make a few extra bucks for her company, but what you may not know is that impulse items are very strategically marketed to you. Marketed in such a way, that if you don't know the truth you might do exactly what they want - load up on extras at the register. As a former employee at several of those mall stores you've probably been to a million times (Motherhood Maternity, Brookstone, Make-Up Boutiques) I know exactly how they do it and I want to share it with you, so maybe you can save yourselves a few dollars next time you're at the mall.

#1) IPS "Items Per Sale". Did you know that most mall employees are under intense pressure from their managers to acheive an average IPS of 3 or better?? This is probably the one thing that bothered me SO much about mall sales. If someone doesn't want more than one thing, I didn't want to be the one to pressure them into purchasing something else. Next time you go to a store at the mall and try to buy only one item, pay attention to what they say. If the line isn't too long they will more than likely try to show you an item or two at the register that is under 3 dollars.

#2) The impulse items at the register are frequently rotated, usually on a weekly basis, and the employees are coached on how to market that new item each week. They will often have a goal of how many they have to sell each day based on their number of hours worked. Sometimes there even contests to see who can sell the most.

#3) These items may only cost you a few dollars, but to the store, they are big money. Think about it - a 1oz. tube of lotion is on display at the cash wrap and is selling for $2.00. You think, WOW only 2 bucks! And because its only 2 bucks, you don't mind adding it to your total purchase when the nice sales lady suggests it to you. You might even think she's doing you a favor. But before you purchase the lotion, go check out the 5 oz, or 10 oz size. I can guarantee you the cost per ounce is NOT $2.00. In fact, it's probably much less than that. The store makes way more profit margin on that little tube of lotion than on the big ones. Which is one reason they want you to buy it so much.

I hope this has been informative for you. I plan to continue the series next Friday with "Is it really on sale?". Did you know that many stores have FAKE sales? I used to get conned by that one all the time! See you next week! For more Frugal Friday Tips please visit Biblical Womanhood

Thursday, January 3, 2008

Frugal Friday - Soups ON!


Soup. Soup is not very exciting when you think about it. I mean, I can honestly never think of a single time I've actually had a "craving" for soup. My cravings mostly include Pop-tarts and chocolate - never soup. But when recently I decided it was time two drop the two inches of skin/fat left over my pregnancy days last summer (I really miss being able to button my pants!), I also decided it was time to eat more SOUP and less DINNER! Ha-Ha... heh... uhhhh...

What's so frugal and wonderful about soup you ask? Well, condensed soups are only 50 cents a can my friends!! For example, tonight we had tomato soup. 50 cents, two people - that's 25 cents each for hubby and myself to eat, uh, SIP dinner! Granted it's definitely NOT in my top 100 things to eat, but its very low calorie, and extremely cheap. Two things I like a lot! So if your trying to pinch some pennies, add a soup night once or twice a week!

Friday, December 28, 2007

My Frugal Christmas Gifts

Christmas has come and gone, but my frugal memories remain! One of my frugal gifts this year was instead of buying expensive gifts for my brothers and father I made them dinner! The cost of the food was much less than purchasing gifts and I was able to give them something they appreciated much more! My brother especially has begun making his own money and therefore purchasing what he wants when he wants it. So making him a home-cooked meal was probably a better gift than anything I could have afforded to buy him. I made a somewhat fancy dinner for my gift to them, but spaghetti would have sufficed if I'd been on a tighter budget! So next time you need to come up with a nice gift, try giving the gift of time spent in the kitchen! Click for my Christmas dinner post. And for frugal tips visit http://www.biblicalwomanhood.com/

Friday, December 21, 2007

Frugal Friday, Overspending at Christmas.

Most of us really over do it around the holidays - we cook too much, we eat too much, and we SHOP too much! Stastically speaking, consumers not only buy presents around the holidays each year, but we also consume more ourselves! Have you been a part of this phenomenon? I know I have!

Yesterday we went to the mall to finish our Christmas shopping, but we did more than just that. We had lunch for $11, (which we wouldn't usually do), I got a haircut and purchased the suggested styling product for $18, (which I NEVER do), and I actually almost bought something because it was on sale even though I KNEW I didn't need it! Luckily they did not have the size I was looking for or I would have overspent there as well!

I'm not really sure why this overspending phenomenon occurs. I imagine it has something to do with all that generosity you're bestowing upon your loved ones and so that little voice in your head says, HEY! I deserve something too! Or maybe its all the sales and you just literally get sucked in! I guess its the one time of year many people allow themselves to splurge (As we did yesterday).

But if you're trying to live within your budget, as we are, its important to find that healthy balance between splurging and being frugal. You don't want to be a scrooge and not enjoy the holidays, but you also don't want to over do it and land yourself in debt. So be careful out there! Think about your purchase before you ring it up. Do you really need it? If not, is it something you really truly want? I like to put the thing I want back down and continue shopping. If I can't stop thinking about how much I love it, and if its a worth a trip back to its location then I allow myself to indulge. But if I forget about it, or its not worth a drive back to the store, then I know I really can do without.

Happy Shopping!

Friday, December 7, 2007

Frugal Friday - Use less gasoline

Around here, as in most parts of the country, gas as has become outrageously priced. I long for the days only 10 years ago when I got my first car and could FILL IT UP for about 12 dollars. Boy those were the days. It now costs more than $30. Unfortunately the people who put the dollar signs on our oil know that we have to have it, and therefor they can charge us up the whazooooo and we'll still pay. I believe that it is possible however, to make the price come down a bit.

The problem is that to do this, we all have to make some sacrifices. We have got to stop consuming so much energy. I am probably a hypocrite for even writing this, because today I'm taking a two hour drive each way to visit some friends of mine in my old town - I miss them and I'm going! But I do need to stop driving so much. If I complain about gas prices being high, I have myself to partly blame. Because its a known fact that if you're willing to pay the higher price for something, then big companies are going to charge the higher price.

It might be hard, but we can all make tiny sacrifices to help ease our pocketbook strain during this time. Try consolidating your shopping trips into one big trip. Or postponing a visit until its on the way to another place you need to go. It's not only good for stretching your dollar, its good for the environment!

Check back next Friday for a piece on Helping others during the Holidays. For more frugal tips visit BiblicalWomanhood.

Friday, November 30, 2007

Frugal Friday - Finding Affordable Clothing

Finding affordable clothing on a limited budget can be tricky. Its especially difficult to find CUTE clothing on a budget - but in recent years, I've been introduced to a method that does just that. Cute clothes for less! The answer is in Thrift Stores and Consignment Shops. Thrift Stores and Consignment Shops are an excellent resource for any savvy, frugal-minded person. They are generally are filled to the brim with excellent bargains, especially when it comes to clothes.

Of course bargain is in the eye of the beholder. Two years ago, I found a gorgeous pair of high heels at a local consignment shop for $30. To me, this was a great deal - the shoes originally came from BeBe, a super trendy, high end clothing store that I had always avoided like the plague due to the "cha-ching" involved. So when I found a pair of cute shoes that I could afford. that came from there, I jumped on it! But, if I were faced with the same situation now, I'd be forced to relunctantly pass.

You can still find GREAT deals at these shops though. Not too long ago I found a pair brand new Express Khaki Cords for only $10. They had never been washed, and the original price was around $60. And check out this adorable outfit Debbie J. found at a thrift store for 50 cents:

What a Bargain!


So try the thrifts and the consignment shops next time you go shopping. You might be pleasantly surprised at the quality of the garments and, of course, the price!

UPDATE: Debbie J. posted a similar topic today with a better picture of the above outfit, click to check it out!

Friday, November 16, 2007

Frugal Friday - Yard Sales

On Monday I posted about all the great deals we found at yard sales last Saturday and I thought I'd go into a little more depth today for Frugal Friday. Yard Sales have SO MUCH to offer. I used to think that I didn't want other people's junk, but then I went yard saling and saw that the stuff people sell at their yard sales is not usually very junky! People sell really NICE stuff - you just have to know how to find the right sale. Here's how to have a successful yard saling experience:

1) Know what you are looking for. Last Saturday I was looking for kids clothes and books to resell. We didn't find many good books, but we did hit the jackpot with some extremely gently used, name brand, kids clothes. I'm talking Baby Gap, The Children's Place, Carters...Some of the outfits were brand new. We even found a like-new Halo SleepSack.

2) Once you know what you are looking for - get a newspaper or hit the Craigs List site for your area. Last week we didn't get a paper but went on Craigs List and found all our yard sales that way. Its cheaper (frugal!!) than buying a paper and we had just as much success.

3) Now scour your paper or Craigs List for yard sales that are selling what you are looking for. Whether its clothing, furniture, or pots n pans.

4) Plan your route based on this. We are new to our area, so we planned a multi-stop trip in Google Maps. Probably most people don't have to do this, but if you don't know where something is, look it up and print directions.

5) Go EARLY. All the good stuff is gone by probably 8 or 9am at yard sales. ESPECIALLY furniture. If you are looking to buy a table that was advertised, you can bet someone else is going to beat you to it!

6) On the other hand - Don't show up at 5am before the stuff gets put out and then start helping the home owner to take stuff out of boxes in your urgency to find the best deals. We had a yard sale once and people actually did this. We were trying to get all the boxes out of the house and people were just digging in and taking boxes from us - An HOUR before our advertised start time.

7) Bargain with the owner! You don't have to pay sticker price at yard sales. Last week I found a brand new bread machine for $20 and offered them $15 - they said ok. When you are sorting through clothes that are $1 each, grab a whole bunch and just offer a flat amount. I had about 16 pieces of clothing in my hands last week and offered the owner $10. He said OK!

I'd like to thank my friend Rosemary for introducing me to yard sales when we were neighbors!!! THANKS!

Do any of you have a yard sale tip?? Please leave it in the comments for us! I'm still pretty new to it, so I'm sure I've left something out! Thanks to Crystal at Biblical Womanhood for hosting Frugal Fridays, head on over for more frugal tips!

Friday, October 26, 2007

Frugal Friday!

I never knew that Habitat for Humanity had a store, but my good friend (the same one who helps me clean!) introduced me to it a while back and the savings there are amazing! The Habitat for Humanity Store is an outlet center for donated items that can't or haven't been used yet in homes. You can find anything from strollers to bathroom sinks and money from purchases goes back into their funds to help build more homes. Great Concept!

Back while I was still pregnant I think my friend must have found me the deal of the century at Habitat. I had been looking at all the usual spots in town for a cute baby bedding set. Most of these sets only came with bumpers, a bedskirt, and a comforter, and the price for just these three items would start around $80 and go right on up uP UP! In addition to the horrendous prices, I just plain didn't like a lot of the prints. They were just "ok". Nothing really spoke to me and said, "Hey YOU - with the cute belly and empty bank account, BUY ME!"

That's where my friend comes in. She called me up from Habitat one Saturday morning and said - "They have the cutest baby set here - and its only 35 dollars!" Well, my friend has excellent taste, so I decided to trust her judgement without having seen the items. Let me tell you - It was THE CUTEST BABY SET I HAVE EVER SEEN!!! Honestly, it was literally what I had been picturing in my mind. And we got so much for our money.

Here's what $35 got us at Habitat:

Froggy Embroidered Bumpers
Froggy Embroidered Comforter
Matching Curtains
2 Matching Sheets
Matching Crib Skirt
Matching Froggy Night Lamp

After we bought the set, I went online to see how much the actual retail price would have been. It was $170 for JUST the Bumpers, Comforter, 1 Sheet and Crib Skirt. WOW.

Here's a pic I found online of the whole set (click to enlarge and see the detail):


Here are pics from our nursery(click to enlarge):

Cute Right? Hard to believe the items were gently used prior to our purchase.
To find a Habitat store near you please visit: http://www.habitat.org/cd/local/
And PS - The cute little froggy mobile you see picture on the crib, was only $10 on Craig's List - again thanks to my bargain finding friend!