Showing posts with label budget. Show all posts
Showing posts with label budget. Show all posts

Phone Phone Phone


Part of my money saving plan for the summer was to evaluate my cell phone usage. The plan that I had was a familyshare plan that I was more than happy to pay for initially to cover two phones. As my financial situation deteriorated, I began paying the bill later and later until I was barely making the duedate.

Our plan consisted of 700 shared minutes for one month, unlimited texting, with perks like mobile web and a few paid subscriptions to game services.

In easier terms to understand that brokedown to $134.00 for two phones, minus any renegade minutes over (once during the month that my nephew was born) or inconvenient calls to Thailand at three in the morning. I don't drunk dial, honest.

When I started getting my finances in order, my cell phone bill was the first thing I tackled. I hoped to negotiate a better plan for my family. While 700 wasn't a lot of minutes, we still never used all of them. Calling each other or other phones on the network, plus free nights and weekends, helped to severely curb our minute usage. But without renewing our contract this would have been impossible.

So I began snipping away at the extras. I had access to the internet at work and home, and while having access to the internet was quick and convenient it was really a perk that I could do without. My primary mobile web browsing consisted of looking up directions on google, phone numbers on google, and wikipedia (via google). With all of my browsing centered around google it only made sense to nix the web browsing and text my google questions to GOOG (4664). With the unlimited text plan that I had, texting my questions to google was free and saved me money after I eliminated my internet plan.

Empowered, I also figured I could cut back even more if I eliminated those pesky game subscriptions. The monthly pay to play games weren't fun anymore and frankly that is $3.99 I'd much rather have spent on anything else.

In the end I knocked my phone bill down to a manageable $105 every month. Set my checking account to automatic billpay and that was only $26.25 a week or in my case, per paycheck.

And now I've eliminated my cell phone bill completely. I've been supplied a work cell phone to allow me to be connected to my work email, database, and other responsibilities. While this isn't a foreseeable event, it would definitely be something you should look into. If you primarily use your phone for work related functions, you may be able to speak with your employer and request that they reimburse you for your expenses or possibly consider putting you on their corporate account.

As anything, it only hurts you if you don't ask. Just make sure to practice your proposal before you storm into your bosses office and insist that he adds you to the office mobile plan or you'll quit.

Ya... That might not go over too well.

Twenty Dollar Challenge


I am hereby challenging you, yes you, to survive on $20 cash this week. Not including your essential purchases/bills/expenses, this leaves fuel, groceries, lunch at work or school, entertainment, etc.

How does this work?
Pick a week in the near future and start the week with a twenty dollar bill. If you finish the week off with any money left over, you've survived the challenge!

How do you prepare for such an undertaking?
With gas prices skyrocketing, it is going to definitely take some planning. However, you'll be surprised how resourceful you can be when you have a goal set in mind. Carpooling, busing, hitchhiking (:P) are all methods of getting to work. If you work nearby, try biking or walking.

When it comes to groceries this might prove to be difficult for a family budget, but not impossible! Venture out and see what kind of coupons or deals you can find. The purpose of this challenge is to prove to yourself how resourceful you can be! Clip coupons from the paper, do price challenges, plan your meals for the week, stick to your lists! If you have a fully stocked kitchen, then the time for the challenge is now.

Entertainment is going to be the simplest endeavor. My post "Free City" describes how to find free or discounted events or activities in your city, take advantage of that. If there is a park in your neighborhood, take the initiative and get out while the weather is providing.


The most important thing is to plan plan plan. You can accomplish so much if you do your research before hand. If you're willing to test your potential, then please let me know how it goes.

I'll be starting my twenty dollar challenge Monday next week, I'll be brutally honest with myself about my expenses as well as with you in my posts. I'm actually quite excited, I love short-term goals! They're great ways to gauge how you're doing on the bigger budget picture as well as confidence boosters. I'll keep you updated on the progress and any great deals I stumble on!

I hope you'll plunge into the ISYS Twenty Dollar Challenge.

Free City

There inevitably comes a time when you're with friends, gathered around some ones living room, staring at the ceiling, each other or the tv when it dawns on all of you. There is nothing to do in your city!

Well, I'm here to provide you the resources to curb that train of thought, as well as save yourself some money.

More often than not, its not the lack of events occuring in your city that keep you from trying new things, but more the cost of getting into the movies, concerts, shows or other similar venues.

Well fear not my frugal friends, the internet has your back when it comes to having fun without spending funds.

One great thing to look into is a magazine or newspaper in your city that highlights the events going on in and around you. Most often they have them listed by category and one of those categories might just have that wonderful word, "free"!

Here in El Paso we have the El Paso Scene. From free concerts, free museum days, art galleries, and other events to cheap discounted days for admission, it really helps those of us on a money diet.

If you're looking to do stuff for free with the family, Parents Connect-GoCityKids has a comprehensive list of events and activities in over 40 cities. Including camps, entertainment, outdoor and indoor fun.

Or maybe you're just looking to join a group or fellowship of likeminded individuals. Thats a really lengthy way of saying meet new people. Well then Meetup.com is the site for you. Seriously, I joined and I have found some really interesting people out there that do two of my favorite things: have fun and keep it cheap. More often than not, they'll get you on the right track to getting out in the world and experiencing new and fun things with minimal impact on your budget or wallet.

Check your city out on City Search. With Arts & Entertainment listings for art, attractions and entertainers, there is definitely going to be a listing here for you. Check out El Paso!. When it comes to planned venues or events, make sure you do your research before hand and build up the anticipation, rather than wait to the last minute and realize that you're not going to be able to make the show.

Finally, put a little bit of faith in your local government. The City of El PAso has an events calendar, so by all means, if we have one the chances of your city having an events calendar as well are astronomical!

And if you can't figure out what to do to cure your immediate boredom, just call everyone up on your phone, head to your local park with a cheap grill, hotdogs, buns, chips, and a ball. Splitting the cost between everyone coming out should be pretty minimal for all takers.

Do your research and you'll come to love your city as much as I'm falling head over heels for mine.

You can't reinvent yourself overnight

No matter how much I try every night before I go to sleep and no matter how early I set my alarm clock, I will inevitably snooze it at least three times in the morning. If ever I have to get up earlier, I will myself awake and get moving. Its just how I am. My routine and I'm comfortably uncomfortable with it. I know I should wake up earlier and hit the gym before work. I know that I should attempt at eating breakfast. But knowing and doing are too separate things.

So, like my morning battles, reinventing the way you handle your money is going to be equally as difficult. Over the course of the year I have had varied perceptions about money. Initially it was, gimme gimme gimme, buy buy buy, regret regret regret. After I'd thrown myself headfirst into tackling money it was more of a gimme gimme gimme, save save save, treat treat treat, regret regret regret. Now I'm in a place comfortably where I receive my paycheck, divide the portions, resist the urge to spend, and plan for my next payperiod.

Is it a fun process? Not precisely, but I'm working towards something and thats always challenging enough to provide some form of entertainment.
Is it a rewarding process? I enjoy paying down my debt, I enjoy saving towards a goal, but i do miss out on a lot that i have sacrificed.
Is it working? You bet your bottom!

What helped me transition towards a different perspective, was answering the simple question: What do I want from my money? What am I trying to accomplish?

After I figured the direction I wanted to go it was just babysteps in that generation direction. I veered off course a few times, but I'm back on track and loving the journey.

You can do this too! If you have debt and you're sick of being a slave to your finances, well now is the time to really buckle down. Figure out what you want to do, what you want to change, how you're going to do it and start.

I'll help with whatever information or advice I can. Between the two of us we'll have enough motivation to see us through. I got your back, homes. krystal@isaveyousave.org

What's in your wallet?


Pen?

Check

Paper?

Check

Ready to budget?

Whoa whoa whoa. Slow down. First erase everything you think you know about the paper pen budgeting. Its nonsense. In a perfect 2 dimensional world where we actually achieve every goal we've put to paper, then yes you may proceed with penpaper budgeting.

Step one- Have a print out of your debit card statement for the last three months.

Step two- Have check stubs from the last couple of pay periods.

Step three- Grab at least three sheets of clean paper and a pen. Grab a drink while you're up too. :)

Step four- Review your information going over every significant purchase once and every insignificant purchase twice. Make sure to highlight or mark items you pay every month, purchases you make once every couple months and luxuries you can't remember buying.

Step five- Using one of the sheets of paper, label the top "Have To". "Have to" purchases or expenses include things that are not negotiable and must be paid every month. This includes: Rent, Utilities, Car Payments, Insurance, Phone. etc. If you're confused, for the most part, anything that costs the same amount of money each month. Start a column and write the names of every "have to" expense on its own row. Create a new column next to this one and put in the amount with a grand total at the end. Push this paper aside and continue on.


Step six- Label your new paper "Just Do". "Just Do" purchases or expenses are things that you don't necessarily have to do but without alot of effort on your part, seem unavoidable at times. "Just Do" purchases include pumping gas, credit card bills, utilities, cable tv, etc. "Just Do" expenses fluctuate often in times with a little more effort on your part can be lower. Remember that whole turn off the light when you leave the room? Or make sure the air pressure in your tires is correct? Follow setup similar to the "Have to" list except now we're going to average out our expenses by adding the information we gathered from our bank statements. Tally the totals and then take the average payout for your "Just do" purchases for the last three months. Push this paper aside and continue on.

Step seven- Label your new paper "Want to". All the other purchases you made... ya. They get thrown into the "Want to" category. Get busy... You have a lot of them. Average them out like your "Just do" purchases and look at your results.


Congratulations you have a budget! Well you had one before, you just didn't get it looking straight back at you. Its kind of like a diet. Even if you're not ON a diet, you still have one.

Your budget includes expenses that you "Have to" make as well as "Just do" make, plus all those purchases you "Want to" make. No amount of idealistic penpaper budgeting could have shown you this.

So what now? Well we move on to the next step to see how to live within our means!

Step eight- Turn over one of your papers (we're saving money people!) and at divide it into the number of payperiods you have in one month. I get paid weekly, so I would divide my paper into at least four columns. Most of your "Have to" expenses have a due by date. Think of each divided section of your paper as a portion of the month, whether it be the beginning, end, middle, quarter... label the top accordingly. Create as many rows as you need, but the top row needs to contain the amount of one of your last paychecks. Begin filling in your rows with have to expenses that are due at the beginning of the month... then the middle... or if you out of columns, what's due at the end of the month. The last row should have a total remaining amount, if any.

My example is very nice as there is plenty of money to put towards savings or investments. But lets say you don't have any money left over or worse you're in the negative. This is a classic sign of some one living outside their means. The only way to fix this is to tackle your "Want to" and "Just do" lists. Its much easier to pick up the phone and ask your credit card company for a lower rate than it is to quit smoking or curb the majority of your "Want to" habits, so start with the "Just do" list first.

Check for cheaper utilities-gas, water, electric, cable, cell phone, internet... etc.
Conserve gas- combine trips and errands, carpool, check your tire pressure...
Ask for a lower interest rate on your credit cards, or stop using them.

After you've exhausted your "Just do" list, move on to your "Want to". Start taking baby steps towards cutting your expenses by a quarter. Eat out only on certain nights, cut coupons, go to the early matinee and sneak in your candy ;), listen to pandora for free instead of downloading songs on itunes, smoke only half a cigarette at a time... Whatever you feel you can do to save money, do it. You'll only make yourself stronger and keep your money in your wallet where it belongs.

Also take into consideration all of your undocumented cash purchases, loans, school costs, vehicle maintenance, etc. Seems when you have all of your eggs lined up, something comes along and steps on your basket. Or something like that. Plan ahead and start building that emergency savings account. You'll thank yourself for it later.

I hope my budgeting tips help you. If you have any questions at all, don't hesitate to ask.

Save Money on Laundry

Having just bought my new washer and dryer, it wasn't too long before I tried to figure how to get the most out of them and still save money. While I don't actually have them in my new place, hopefully that'll happen this weekend, it's good to be prepared.

Cold Water

Always wash in cold water rather than in hot. Not only will you save a lot of money not using hot water when you wash your clothes but you will also keep stains from setting in. Try washing your clothes for a month in cold water and check your power or gas bill at the end of the month to see your savings. More than likely there will noticeable savings.

Line Dry

You may think you can’t live without a clothes dryer, but you can especially if you are experiencing financial difficulties. Clothes dryers use a lot of energy and if you have a lot of clothes to dry then you will certainly be spending a lot of money on your power bill each month. Try hanging your clothes out on a clothesline and you will save a great deal of money on your power bill. At the very least, try hanging half of the laundry on a clothesline and half in the dryer. You will still see a great deal of savings.

Inexpensive Detergent

Detergent is expensive, especially if you buy name brand. However, store brand and generic detergents work just as well and are considerably more affordable. If you buy store brand detergent in bulk you will save even more money!

These are just a few tips to help you save money on laundry. It’s amazing, but you can save money on everything you do including laundry. If you take the time to evaluate all of your daily activities and where your money is going then you will quickly be able to trim some expenses from your budget without actually having to stop doing the things you are accustomed to doing.

What to do when shopping...

I went to the outlet mall this weekend with friends and I felt I could fit a little treat into my budget. I withdrew twenty dollars from the atm and being savvy and sly left my debit card in the car to avoid temptations.

After buying a pair of new shoes for five dollars and a few pieces of jewelry I realized that this whole budgeted shopping experience was equally as fun as shopping with reckless abandon!

That is until I stepped into another costume jewelry store... and noticed the sale... 10 for $10...

I'm a sucker for cheap flashy jewelry. *eyes wad of cash and coins* Nope not $10. But I'd have to buy 10 items in order to get a decent sale on anything... Instead of asking my friends to spot me a few bucks I contemplate running out to my car to get my debit card. I resist the urge and was just about to give up on my purchase entirely before my hand instinctively found the checkbook in my purse.

Moral: You plan and you budget and you make decisions for a reason! Stick to them and avoid temptation. I now have 10 items that I got at a costume jewelry store, but I'd much rather be able to blog about willpower and self-control today.

After planning, comes the doing

I practice what I preach. For the most part. I have got my planning skills fine-tuned and honed in on the most efficient way to handle the financial challenges that are thrown my way. But like a vast majority of things I plan for, I'm not following through with as much energetic enthusiasm on the "doing" compared to the "planning".

How does this happen?

Well take the vast majority of Americans retirement savings. Half the paid workers ages 25 to 64 don't own retirement savings accounts of any kind. People plan to live as long as possible. People don't plan on working for the rest of their lives. So whats the holdup? Why aren't more people planning for their own retirement? We've all heard the recent news that Social Security is running out on a timeline that is falling short of previous estimates.

So what do most of us do?

We plop down in a chair, pencil and paper in front of us, start writing down what we make, what we hope to make in the future, how much we can afford to put away. Move to another chair, plop down in front of the computer find a savings calculator or 401k calculator online plug in our numbers and sit in awe at the results of compounded interest. The more ambitious will take it a few steps further, comparing funds and different risk options, but for the most part we see the results and we know the "what if".

The "what if" is enough for us. If we start saving now, if we save this much, if we invest here, we'll have this much in the end. The "what if" is a mentality we could all do without. The "what if" needs to change to simply "when and will".

When I retire I will need x amount of money to live.
When I get paid, I will need to deposit x amount into my retirement savings.

Transforming your retirement savings goals from the theoretical to the actual is as simple as changing your expectations of yourself and the realization that you are ultimately responsible for yourself.


So how does this example apply to me? I have plans up to my eyeballs. They're not going to accomplish themselves, no matter how many times I tweak and retweak them. When I get done with this email, I will start the "doing".

Justifiably Finals...

Its that time again folks! The entire semester is culminating into one week and after that week SWEET MERCIFUL FREEDOM! Well until Summer semester starts up again. But don't head off to the bars just yet to celebrate your inevitable success on this hellish week.

We make informed purchases, budgeted purchases under normal circumstances, but through in a handful of stress and those well-mannered shopping skills get thrown away. They are inevitably replaced with "justified" purchases.

A "justified" purchase is when you compromise your budget or your plan to allow certain outside factors to infect your spending trends. I stayed in all week and ate only ramen... I'm going out this weekend and having fun because I saved so much money! While I'm the number one supporter of having fun, spending money to reward yourself for saving is a recipe for disaster. You save money during the week, you spend most of what you saved over the weekend, you wake up monday and feel like a failure.

And when you feel like a failure, you --unfortunately-- begin to act like a failure. I spent all the money I saved, gosh I feel bad... Starbucks! That'll cheer me up. And quickly your "justified" spending over the weekend leads way to more "justified" spending. I've already failed at saving, won't matter if I buy this grande cinnamon dulce latte with extra whip... I've already failed. And pretty soon you've compromised your budget completely nearly undoing everything you've saved for.

Mind you, this is an extreme example, but to tell you the truth, this is how I was just last year. I didn't have a handle on my finances. I was more comfortable with feeling horrible about my three or four overdraft charges eating up my paycheck and wasting the rest away on spending that didn't help me at all, than sitting down and getting my act together.

Money is a scary thing. When you have it, you want things. When you don't have it, you want more things. When you've never had it, you want very little.

The very little being the bare necessities: food, shelter, utilities, etc.

So if you were able to relate to past me, in my above upper monologue, than you need to make an executive decision: continue justifying your failures and pay the bank or start making a plan to pay yourself.

My failproof plan for paying yourself:
1.) People with less, want less, or at least want on a smaller scale. Take care of your basic living essentials (basic does not involve catalogs, websites, or the mall) first. Perfect your budget so you are only buying what you need instead of what you want.

2.) Sit down with your credit card bills and your debt and make a plan. The snowball effect works wonders, Powerpay.org sets your balances up to be paid highest interest first. Read my first posts.
You may be fearful of where to start, don't worry, being overwhelmed is a sign that you're on the right track. I was fortunate enough to be in a position where I could pay a little to each debt monthly until my little bites turned into complete gobbles. Going from eight debts down to two has been a great achievement of mine, so I know that eliminating debt will make you feel wonderful about yourself. ITS TRUE! YOU'RE NOT A FAILURE!

3.) Eliminate justified thinking. I think that the savings gurus have been too far gone from the days of wallowing helplessly in a debt cycle to truly understand how people will react when they say "treat yourself... you've done a good job!". While I'm all for positive reinforcement, I think that "treat" should be defined and should be an informed decision. Treating to the gurus includes: going to the movies, buying a new shirt, going to the coffeehouse, buying ice cream, etc... But honestly, those are all things that could be detrimental to a budget or plan when taken from a justified purchase state of mind. Going to the movies does not mean go to the movies with three of your friends and buy a combo a piece. Buying a new shirt does not mean designer label. Coffeehouse does not mean the largest size most expensive drink with a pastry on the side. Ice cream... well that one might be safe. The point is you've been going at your saving from an informed state-of-mind, make sure that any "treats" you feel you've earned are still within that state of mind. No sense in setting yourself backward so you can have that new Coach bag.

4.) Whatever is left over after paying for your bills and contributing to your debt, should be cut in half. Use one half to pay yourself by depositing into your savings account, the rest to spend on your basic essentials (food, clothing, school etc.) If its not enough money than you have two options available: Make more money or Spend less money.

It may not be failproof and it may not work for you, but its my plan and I'm done settling and I'm happy paying myself.

Decorate! Part I

If your living room walls are more bare than Mother Hubbard's cupboard, you might need to spice things up a bit. "Yes, I do, Dear Designer," you say. "But my last dollar went to Starbucks for that Triple shot, Skinny Cow, Double Chocolate latte!" As I peel you off the wall from your chocolate caffeine high, I recommend easy and cheap ways to add more interest to your walls. Although I will admit that the sight of you hanging off the wall with a chocolate mustache and twitchy eyes WAS interesting!

1. Lots of Frames. Visit your local dollar store or thrift shop and pick up cheap frames and mirrors of assorted sizes and shapes.

2. Remnants. Edge the frames with fringe, braid or even pompom remnants. Get the remnants from the thrift store, local fabric shop or raid your own rag bag. The lace on that old shirt that had a hole in it would work great around the mirror.

3. Paper. Don't have a painting or photo you want to display? Try framing of piece of remnant wallpaper, or a saved piece of wrapping paper, a fabric remnant that has a striking geometric print or even a colorful place mat cut to size (pick up one for a song at that same thrift store).

4. Chalkboards. Check out your child's room or your local thrift shop (yes, I DO spend all my time there!) for assorted chalkboards and arrange them on your wall. Use them for an ever-changing display of your child's art, messages, or caffeine-powered rants.

5. Just Paint. If you just cannot think of anything to put in those frames, paint in coordinating colors and hang them empty on the wall in groups. And if you have a sense of humor, you might frame that bad patch on the wall and pretend the blemish was intentional!

6. Records. Pick up old vinyl records from the thrift shop - particularly bad or scratchy ones because we don't want to ruin the good ones. For the sake of musical history, I recommend using old Lawrence Welk albums. Spray these in bright colors and attach them to the wall as instant graphic elements.

7. Used Canvases. Pick up old, used canvases from failed art projects at the thrift store (and shed a tear for dashed dreams of artistic grandeur), spray paint the whole thing black or white. Then visit the kitchen corner of the thrift shop and pick up all of the wooden spoons, spray paint in bright colors and glue to the canvas in an arrangement of your choice. Hey, its not Matisse, but it works.

See! With a little imagination and some pocket change, you can add life to your living room walls. Now, I wonder what we could do with all those used Starbucks coffee stirrers you have been saving.

Save money on Toys

I remember writing my christmas lists when I was younger. I filled pages and pages of cutout pictures of toys from the Toys R' Us catalog. Money never figured into my reasoning, Santa was fully capable of bringing me everything I could ever want or need. As a firm believer in Santa Claus, I was never upset when he didn't bring me EVERYTHING. I looked at it as I was giving him a selection to choose from, I was going to be happy with anything he brought. But if you're not Santa, toys can get pretty expensive. So to help with that I give you the ten ways to save money on toys!

Host a toys party. Kids might play with toys for a little while, and then get bored with them. But they're perfectly good toys. To prevent waste, and to save money on getting new toys, invite some friends, family and neighbors to a toys party, asking everyone to bring good toys that they're willing to exchange. Have some food, play games, think up different ways to exchange the toys, and leave with a whole new set of toys, without spending a dime.



Thrift shops. They often have a bad image, but if you check out the thrift shops in your area, you might find that there are some good toys for very cheap. It's worth a look at least.



Rummage sales. You can get some great toys from people who are cleaning out their house or moving. Spend a Saturday looking at different rummage sales in your area. It can be a lot of fun.



Exchange a box with friends. When you notice your kids not playing with toys, just put it in a box in your closet. Ask your close friends to do the same. When the boxes are full, exchange them.



Make your own. Some of the best toys are made by parents. From kites to blocks to forts, if you get creative, you can make some fantastic toys and only spend a fraction of what it would cost to buy. And the best part: your child could help, especially with the decorating.

Shop after Christmas. It's well known that the best deals are the week after Christmas, when the rush is over and stores are trying to get rid of excess inventory. But there are other good sales as well, when stores are closing out, or trying to get rid of old inventory to make way for the new. Keep your eyes open and you can find some great deals.



Green them up. Getting environmentally friendly toys will not only help Planet Earth (and it's never too early to start teaching your kids about the environment), but they're also safer and cheaper in the long run. Avoid harmful PVC material, and look for wood — the toys will last much longer, and are safer for children. Look for simpler toys that don't require batteries. Look for non-toxic paints, and sturdier toys that will last a long time.



Use their imagination. Kids can be amazingly creative. Sometimes they enjoy playing in or with the box the toy comes in more than the toy itself. Give them some paint or beads or glitter and glue, and they can have a blast. Let them play outdoors, and make toys with sticks or other things they find in nature. Make a fort out of bedsheets or a refrigerator box. Let them use their imagination, and old toys can become new again.



Look for coupons or online sites. Do a search here or elsewhere online for discount coupons, or look on Freecycle or Craigslist for some free stuff.



Reduce your need. The best way to save money on something is to learn to need less of it. Talk to your kids about the cycle of consumerism, about always wanting more and newer toys, about how advertising creates a need in us to buy new stuff, about how it's bad for the environment to keep producing and consuming more and more stuff, about how kids in other parts of the world have to go without toys ... and teach them to spend their time helping others instead of wanting to buy stuff for themselves. It's never too early.

Patterns

I've been thinking about a few other topics to post about and reviewing previous entries has me scratching my head. Alot of my entries are about food which tells me one of three things.
a.)I blog when I'm hungry--I heard thats dangerous to your health.
b.)I blog about what is my greatest spending weakness.
c.)I blog about my greatest spending weakness when I'm hungry thus making me want to eat more and spend more money.

Either way, its great to analyze and figure out where your head is at. Its not fun to think about money, worry about money, dream about money, but at least you know that you'll make conscious decisions about how your spending your money... even if they aren't always good conscious decisions.

My post today is going to dwell on just relaxing. Taking a day, hour, moment for yourself to fully emerge yourself in the essence of you. And in sticking with tradition, do it for next to nothing!

The Bath
This is your domain for the next 45 minutes to an hour. Gather your supplies, your soothing music, a good book and really just get away from it all. You can pick up some great smelling bubble bath from your local dollar store and some cheap scented candles there too. BUT test both before you enter into your sheltered oasis, because there'd be nothing worse than having your candle smell like feet as you're trying to dulge into the Wonderful World of Oz. Let the bath water get steaming hot, but don't get in just yet, lest you scald your skin. The steam will fill your bathroom and really set the tone.

The key to relaxing in the bathroom is to leave the outside world outside the door. Pick a good time when your husband/wife/kids/boss/creepy next door neighbor/or anyone else is unlikely to bust in. And for sanity's sake leave your cell phone in your purse... in your car... parked two houses down. This is you time. You time. YOU TIME.

The Morning Jog
This great relaxation tool is free and serves three ends. Relax. Get fit. Save money. All you need is a decent pair of running shoes (or a stick depending on where in El Paso you live) and a glass of water waiting for you when you get home. An added accessory is an MP3 player of sorts. While iPods are cool and trendy they aren't the only MP3 player, shop around and get the best bang for your buck. Then get some decent headphones that will actually stay on your ears as you're running amok in your neighborhood. But thats highly unnecessary, you generally just need you and the open road, or if you're jogging early in the morning before the sun is out a reflective vest will be a necessity.

Jogging releases something into your body that reacts with something else causing something to happen and makes you feel relaxed. It doesn't matter what all that mojo-jojo in the middle is just grasp the key concept: Jogging....makes you feel relaxed.

Clean
While cleaning is generally unfun, it is necessary, and again serves multiple purposes. Pick a day to clean something by yourself: a closet, a cupboard, a portion of the garage. The goal is to pick a part of your home that doesn't get sorted out as often as other portions so halfway through cleaning you'll discover a few forgotten keepsakes and nostalgia will set in and you'll get carried away looking at everything you've found and want to find more... okay so this is actually the anti-clean method, but you'll have sufficiently relaxed... and created a big enough mess to get you stressed out again.

Get a Hobby
A cheap hobby. Knitting, crocheting, reading, sewing, cooking, running, walking, pickup-sports, walking your pet, coaching/referring, visiting your local library, writing, playing a musical instrument, painting, drawing, yoga, meditation, baking, astronomy, kite flying, origami... you get the picture and doing a quick search on any of these topics will produce how to do it for cheap. Hobbies are fun, they're relaxing and they're great ways of finding out who you are.

How to save money on gas!!!


  1. Drive less

    1. Walk, bike, ride the bus or join a carpool.

    2. Reduce your commute by moving closer to work or working closer to home. This will save time as well as money. You may even be able to save even more money by becoming a one-car family.

    3. Combine trips. If you can do several short trips in one longer trip, you will save fuel and time. Make lists to avoid having to go back. Call ahead to avoid wasted trips.

    4. Walk between stops. Once you get into town, some of your stops may be near each other. Park between some or all of them and walk.

    5. Park in the first spot you find. If you wander all over the parking lot looking for that really close parking space, you'll use more gas. Don't be afraid to walk a ways if it comes to that - the walk will do you good!



  2. Find good prices

    1. Don't be brand conscious when buying gas. Buy where you can get the best deal. Regular gas is very much a commodity meaning there isn't any significant difference between any of the brands. In fact, all the brands fill their tanker trucks at whatever refinery is closest and the only difference between "brands" is a few gallons of a proprietary additive package that gets mixed with the fuel loaded to the truck. All additives must meet OEM and EPA performance standards so the only real difference between brands is the audacity of the superior performance claims.

    2. Use a fuel with the lowest required octane. Low-octane "regular" gas is usually all that is required. Octane is only a rating of the fuel's resistance to engine-damaging pre-ignition ("knock") in high-performance engines (that few people have). Low octane gas is less expensive and a better value if that's all your engine requires. Best case scenario you're wasting money by filling up with a higher than recommended grade of gas. Worst case scenario that high octane fuel is building up damaging carbon deposits in your engine because it's not being burned as completely as lower octane fuel would be. Check your owner's manual to be sure. Modern high performance cars will sometimes recommend higher octane fuels because they are engineered to use those fuels. The use of lower than recommended octane will not make your car explode, the ECM (Engine Control Module, aka:computer) will adjust the fuel injectors and spark timing to save the engine and compensate for you cheaping out at the pump. Those adjustments will consist of retarding the spark (reducing power and efficiency) as well as dumping lots of extra fuel into the cylinders to cool them, potentially costing you more than getting mid grade or premium IF that's what your car requires. Also remember that engines need less octane at higher altitudes. If your engine does not "knock" on regular, paying more for a higher octane rating is a waste since the increased octane makes no significant improvement to gas mileage and it is no better for your engine. All available fuels have detergent and additive packages.

    3. Apply for a credit card which offers gas savings when you use the card for purchases. This works in much the same way that some credit card companies allow you to earn frequent flyer miles when you use their card for purchases.

    4. Join a loyalty club. Some gas stations, department stores and grocery stores offer lower prices when you present their membership card. Keep your eyes open and verify that their prices are really lower than other stations in your neighborhood.

    5. Check the web for deals. With the ever increasing gas prices, use the Internet to find the cheapest gas near you. Some of these sites even offer text messaging capabilities, where they will send you the a text message with the location of the cheapest gas in your area. Here are 3 sites that enable you to search for lower price in your town: MapQuest, GasBuddy.com and GasPriceWatch.com. GasPricesRelief.com now supplies a free gas card valid at most gas stations. But don't drive miles out of your way or wait in excessively long lines (your car gets 0 MPG while stopped and idling.) just for a cheaper station, or you will defeat the purpose.

    6. Mix octanes. In some areas, the lower octane may be too low for your car and the mid-grade or higher octane may be more than what you need. To avoid overpaying and still get the correct octane for your car you can mix the gas. For example, if your car takes 87 octane and the pumps have 85 octane and 89 octane, then when filling your car, fill half the tank with 85 octane and the other half with 89 octane and this will give you an equivalent of 87 octane plus it will save you money because the lower octane gas costs less.



    7. Determine whether gas with ethanol is right for your vehicle

      • If there is a high proportion of ethanol, the lower energy content of the fuel will almost always lower mileage.

      • Fuel with ethanol may be less expensive than standard gas, but consider the reduced fuel economy. You may or may not save money by filling up with cheaper (subsidized) ethanol blended fuel. You first need to know if, and how much your fuel economy suffers on ethanol blended fuel vs. non-ethanol fuel. You then need to calculate your fuel cost per mile (or km) for each fuel.

      • Ethanol is not much better for the environment, because only ethanol made with sugar cane is more fuel efficient from the harvesting and processing than regular gas. Fuels with ethanol additives can corrode fuel lines in vehicles not designed with ethanol fuels in mind, but E10 and E20 do not damage your engine.



    8. Don't refill your tank until the last quarter tank but don't push this any further. Doing this can extend your gas because you are hauling a lighter fuel load. It also gives you the opportunity to buy more gas if you run across a bargain. However, in cold weather, you run an increased risk of condensation in the fuel tank. Running a car with less than a quarter tank can shorten the life of the electric fuel pump and running on empty will often destroy the pump because it is forced to run constantly trying to pressurize fuel since it often has access to only air. The hard-running pump motor then overheats because it needs a bath of liquid fuel to transfer operational heat to and it also loses pressure building ability because its internal seals needs gas to lubricate against friction. Keeping the tank one-quarter full also is a safety issue as you never know when you might experience an emergency and need gasoline in your car!

    9. Fill the tank full. If you need to fill up, fill up all the way. The more money you try to save by adding $10 today and then $20 tomorrow will be wasted since each time you will have to travel to the station and wait for a pump. Instead, do it all at once to save time and money.

    10. Don't top off the tank. It is wasted money and bad for the environment because it invariably forces liquid fuel into the evaporative emissions system where it overwhelms circuits that are supposed to only route fuel tank vapors to the engine while it is running and can be burned.

    11. Buy gas on Wednesday. Gas prices are statistically the cheapest on Wednesdays, but this is only statistically true over a large number of days. It won't be true every week.

    12. Buy gas three days before a holiday. Gas prices almost always go up for holidays.



  3. Take care of your car



    1. Give your car a tune up. Properly maintaining your car will keep your car running as efficiently as possible.

      1. Change the oil regularly. Use a synthetic oil instead of mineral oil. This will cause your engine to run better and give you better mileage.

      2. Upgrade your air filter. More efficient brands of air filters cost a little more but will pay for themselves in most vehicles in fuel savings. Check it every oil change and change it regularly. Clogged air filters cause engines to work overtime which requires more fuel.

      3. Use a fuel injector cleaner or complete fuel system treatment occasionally. Not only will you see a boost in gas mileage, but in your car's overall performance. Fouled injectors vaporize fuel poorly, affecting how completely the fuel is burned.



    2. Upgrade your tires. Low resistance tires, such as Michelin Energy MX 4 Plus claim to increase gas mileage.

    3. Check the air pressure in the tires every week. Buy an inexpensive air pump and an accurate tire gauge. Keep all tires inflated to the pressure as recommended for your car.

    4. Clean out any unnecessary items in your car. If you have heavy objects in your car that you don't need, remove them. If your car is lighter, it will use less fuel to get where you're going.

    5. Remove unneeded racks. If you have a bicycle or ski rack, remove it when you're not using it. It causes drag and lowers mileage.



  4. Buy a different car

    1. Buy a diesel. Diesel cars can often get better mileage than comparable hybrids. Getting a diesel car also allows for use of bio-diesel or even waste vegetable oil (WVO/SVO) fuel.



    2. Buy a hybrid. Not only do hybrids give you immediate savings at the pump, the U.S. government and your local state offer tax breaks for people who use gas-saving cars. Federal deductions for using gas-saving cars can be as high as $2,000, but check before buying to see if they're still in effect. Also, check with your insurance company because Hybrids have higher insurance rates.

    3. Buy a smaller car. Generally speaking, smaller cars are lighter and get better mileage.

    4. Buy a motorcycle or scooter instead of a car. They are cheaper and often get 70 MPG or better. Riding gear is available for most weather conditions. A good example is the Kawasaki EX250, which costs about $3,000, gets 60-70 MPG at highway speeds, and can go 0-60 MPH in under 6 seconds!



  5. Drive smarter

    1. Avoid idling. While idling, your car gets exactly 0 miles per gallon while starting the car uses the same amount as idling for 6 seconds. Park your car and go into the restaurant rather than idling in the drive-through. Idling with the air conditioning on also uses extra fuel. Also, avoid going so fast that you have to brake for someone. Whenever you brake, you waste the gas it took to get going that fast.

    2. Plan a Road Trip">Plan your trips in advance. This can prevent wasting fuel and wasting time. Plan to use alternative routes. Often back roads can prevent you from stopping at traffic lights and more importantly sitting in traffic jams. Try to schedule your trips and errands when traffic is lighter.

    3. Use a global positioning system (GPS) to help you navigate and find the fastest and shortest distance to your destination. Avoiding hills and stops will increase your gas mileage.

    4. Drive at a consistent speed. Avoid quick acceleration and hard braking. Cruise control will keep you at a constant speed, even when going up and down hills.

    5. Avoid stops. If approaching a red light, see if you can slow down enough to avoid having to actually stop (because you reach the light after it is green). Speeding up from 5 or 10 miles per hour will be easier on the gas than starting from full stop.

    6. Anticipate the stop signs and lights. Look far ahead; get to know your usual routes. You can let up on the gas earlier. Coasting to a stop will save the gasoline you would otherwise use maintaining your speed longer. If it just gets you to the end of a line of cars at a red light or a stop sign a few seconds later, it won't add any time to your trip. Ditto for coasting to lose speed before a highway off-ramp: if it means you catch up with that truck halfway around the curve instead of at the beginning, you haven't lost any time. In many cities, if you know the streets well, you can time the lights and maintain the appropriate speed to hit all green lights. Usually this is about 35 to 40 MPH.

    7. Maintain a safe following distance. Don't stick to the bumper of the car directly in front of you. You will brake more and accelerate more to keep that unnecessary and dangerous narrow gap. This also gives you a lot more room to play with when you are timing traffic signals. Likewise, "Handle Tailgaters on the Road">ignore tailgaters. They will tailgate you whether you go the speed limit, or 100MPH over the speed limit. Allow them pass when it's convenient.

    8. Slow down. Air resistance goes up as the square of velocity. The power consumed to overcome that air resistance goes up as the cube of the velocity. Rolling resistance is the dominant force below about 40 mph. Above that, every mph costs you mileage. Go as slow as traffic and your schedule will allow. Drive under 60-65 since air grows exponentially denser, in the aerodynamic sense, the faster we drive. To be precise, the most efficient speed is your car's minimum speed in it's highest gear, since this provides the best "speed per RPM" ratio. This is usually about 45 to 55 miles per hour.

    9. Take off slowly from a full stop. This is one adjustment that will have dramatic effects on your gas mileage; don't tear off from a stoplight or stop sign!

    10. Stay well away from store fronts where you will spend significantly more time idling and waiting for pedestrians and other vehicles.

    11. Use A/C only on the highway. At lower speeds, open the windows. This increased the drag and reduces fuel efficiency, but not as much as the AC at low speeds (35-40 mph). The air con - when used a lot - is known to use up about 8% of the fuel you put into your car.

    12. Shift into neutral if you are not comfortable with downshifting. Standard transmission vehicles may save gas by shifting into neutral when going down hills steep enough to maintain speed (although engine braking is safer on steeper declines). Do not do this in a Hybrid car, they use this "regenerative engine braking" to generate electricity and charge the batteries. NOTE: This strategy will result in more wear and tear on your brakes. Neither of these strategies is recommended for normal automatic cars. Also, if you own a car with fuel injection, it is more efficient to keep the car in a high gear while going down hills. Simply take your foot off the gas.

    13. Park in the shade. Gasoline actually evaporates right out of your tank, and it does so faster when you park directly in the sun - winter or summer. Parking in the shade also keeps it cooler inside, and you will need less A/C to cool off when you get back in. If there is no shade available, park so that your gas tank (the actual tank under the car, not the valve to fill it) is facing away from the direct sun. Also, today's fuel systems are supposed to be airtight. Your gas cap should have a seal in it. Make sure that the seal is keeping the fumes in and outside air out.





Healthy Foods for Under $1

One of the best ways to reduce your food bills is to cut back on packaged and processed foods and substitute in more fresh and healthier foods. Packaged and processed foods typically contain more sugar and sodium. They're also quite a bit more expensive. Here's a list of 17 healthy foods that can be had for less than a dollar per serving. I've included the prices from my local supermarket in Portland, Oregon. Actual prices can vary quite a bit based on geography and growing season.

Rice - Rice is the most consumed staple in the world with nearly half of the developing worlds caloric intake coming from rice. The processing of rice removes much of its nutritional value. Brown rice retains the most nutritional value and white rice loses the most. Many rice producers enrich white rice with vitamins to add back in some of the nutritional value lost in the processing of rice. When you go to the supermarket many rice products will say "enriched" on the packaging. Even after enrichment whole brown rice is still more nutritional.

Cost: Rice can be stored up to two years so it makes a good deal of economic sense to buy in bulk. If you buy 20 pounds or more you can find rice for less than 50 cents per pound. It is one of the most economical foods on the planet with a 100 calories of cooked rice costing roughly 3-4 cents.

Oatmeal - My grandma swore by the health benefits of oatmeal. She had a bowl of oatmeal for breakfast every morning and lived well into her nineties. Oatmeal is rich in dietary fiber and has been shown to lower cholesterol and improve cardiovascular health.

Cost: My local Winco has old fashioned oatmeal for 42 cents a pound. I typically have a cup of oatmeal with some cinnamon mixed in for breakfast costing roughly 20 cents.

Potatoes - As long as potatoes are prepared without loading them up with butter or sour cream they can be an extremely nutritious low calorie staple that's high in fiber and other vitamins.

Cost: There are several types of potatoes but you can typically find most types of potatoes for between 40 and 60 cents per pound.

Eggs - A great source of affordable low calorie protein. One egg contains just over 5 grams of protein.

Cost: 20 cents or less per egg with a typical breakfast containing two eggs.

Popcorn - Popcorn is high in dietary fiber and low in calories and fat as long as you don't load it up with salt and butter. According to Wikipedia popcorn became a popular snack food during the Great Depression. It's easy to see why, popcorn is one of the most inexpensive snack foods around especially if you pop your own popcorn.

Cost: Loose kernels cost around 75 cents per pound. A typically microwave packet contains 2.8 ounces of dry popcorn kernels which comes out to roughly 13 cents if you pop it yourself.

Apples - An apple a day keeps the doctor away. Apples are loaded with dietary fiber and antioxidants. Nearly all apples are under a dollar per apple in the supermarkets produce sections.

Cost: Apples like all fruits are considerably cheaper during peak harvest seasons. Jonagold and Golden Delicious apples run between 70-80 cents per pound, Red Delicious typically run around 90 cents per pound and Fuji apples $1.20 per pound.

Watermelon - Watermelon is a great summertime thirst quencher. It's very filling and low in calories due to the amount of water it holds. It's also packed with a number of antioxidants and vitamins. It also contains amino acids such as citrulline and arginine which promote cardiovascular health.

Cost: You can typically find watermelon for around 40 cents a pound, and cheaper during growing season.

Garbanzo Beans - As with most beans garbanzo beans also known as chickpeas are rich in dietary fiber and are a great source of protein. A cup of garbanzo beans contains more than a quarter of daily recommended protein. Studies have also shown that garbanzo beans lower LDL, the bad cholesterol.

Cost: You can pick up garbanzo beans for a $1 per pound.

Pinto Beans - Like garbanzo beans, pinto beans are packed with dietary fiber that helps reduce the bad cholesterol and is a great source of protein. Pinto beans are among the most affordable beans available.

Cost: 77 cents per pound.

Bananas - Sort of like natures candy bar bananas are a delicious creamy fruit which is rich in potassium and delivers a burst of energy.

Cost: 40-60 cents per pound.

Kiwis –Packed with vitamin C, this sweet tasting low calorie fruit makes an excellent out of the ordinary snack.

Cost: You can often find kiwis on sale three for a dollar.

Cantaloupe – Cantaloupe is rich in Vitamin A and C, and potassium. This sweet, cool fruit is also low in calories. Like most fruit Cantaloupe prices vary greatly throughout the year.

Cost: In-season you can find it for low as 19 cents per pound and out-of-season it can run you up to 60 cents per pound.

Carrots - Have garnered a reputation for improving eyesight because of the beta-carotene they contain. Carrots are low in calories and packed with essential vitamins and minerals. They are easy to pack and make a great healthy snack.

Cost: Carrots typically cost 50 cents per pound for the large variety and $1.25 per pound for baby carrots.

Lentils - Lentils are a protein powerhouse, one cup of cooked lentils contains more than a third of recommended daily value of protein. Lentils like most legumes are also packed with cholesterol lowering dietary fiber.

Cost: 90 cents per pound.

Grapefruit – Is a fruit so low in calories it even has a diet named after it. Grapefruit is packed with Vitamin C and extremely low in calories. It has a tart taste which helps to quench people's hunger.

Cost: 50 cents per pound.

Nuts – Nuts such as almonds and walnuts are packed with monounsaturated fats which are considered healthy fats. Several studies have shown that nut consumption lowers your risk of heart disease. Nuts make a great snack that’s easy to pack up and take anywhere.

Cost: Almonds $2.98 pound, Walnuts $2.88 a pound.

Water - Water is one of the key building blocks of health. Replacing soft drinks and high calorie, sugary drinks is one of the best things you can do for your health. Drinking plenty of water also cuts down on hungar and food consumption.

Cost: Practically free.

12 ways for college students to save money!

Many of us have to maintain a lean lifestyle when we are in college. While you could argue that this is an effective way to build character, that perspective doesn’t make life any easier when you’re sitting down for another bowl of Ramen noodles. If you are a college student who is having trouble making ends meet, try the following 12 simple tips for saving money.

1. Create a household budget. Most importantly, you need to make sure you stick to the budget.
2. Avoid buying new textbooks. If you can’t find what you need at a local used bookstore, try eBay or socialbib. The latter is a free online book swap for college students.
3. Sell your books wisely. If the college bookstore is offering very little, see if your textbooks are going for more on eBay or Amazon.
4. Don’t splurge on fashionable clothes. You will have the rest of your life to be chic. For now, all you need is something comfortable to get you through those boring lectures (and maybe one suit for interviews).
5. Use college discounts. Many restaurants and shops around town probably offer college discounts without your knowledge. Never be afraid to ask.
6. Clip coupons. Effective “couponing” can save a bundle, though it will be a bit time consuming on the weekends. There are many coupon clippers who consistently save hundreds of dollars on groceries each month. Learn how to get started here.
7. Eat at home. While you can’t always eat at home when you’re on the go, you should really reduce those trips to the drive-thru. They will eat through your wallet and wreak havoc on your waistline.
8. Consider a roommate. If you are currently living alone and having trouble paying rent, it could be time for a roommate. There will be plenty of interested (and interesting) people around campus who can split the rent with you.
9. Transfer credit card balances with high interest rates. Many of us can’t wait for our first credit card when we enter college. In fact, the companies often come to us when high school is finished. However, interest rates can skyrocket after an introductory period. Consider transferring high balances to a zero-interest card that offers a reasonable APR when that introductory period is over. (DonĂ¢€™t close the original account, however. It can mess up your credit history.)
10. Avoid partying on the weekends. College doesn’t have to be synonymous with partying. Not only will it make Monday morning classes harder and harder to attend, drinking can be very expensive. Find a more practical way to relax when you aren’t in class or studying.
11. Ride a bike. Do you live close to campus? If so, then you may be needlessly spending money on gas. Ride a bicycle whenever it’s feasible and you will help save money, as well as the environment.
12. Skip paid television. Assuming you are already paying for an Internet connection, you don’t need paid television. Many networks rerun their programs online now (try Hulu.com. Besides, you have more important things to do than sit in front of the television, like studying or finding post-college employment!

Although it doesn’t sound very fun to you now, being frugal in college can have positive effects on your future. Every year, more young adults are graduating college with substantial debt. While student loans are sometimes necessary, you shouldn’t have a significant amount of debt when starting out with your career. Some careful planning today will help you for many years to come.

Save money, stay beautiful

Since most of us are forced to be recessionistas at the moment, I thought I would share with you some of my beauty tricks that have been passed down to me by my mom and some of my friends. I didn’t always use them before, however, I’ve been trying to stick to a budget lately and they sure do come in handy. Believe me ladies, being sexy on a budget has never been so easy.


So, here are the five money saving beauty tricks



1. Mascara magic. When your mascara dries out, hold it under hot water for 5 minutes and it will be just like a new one, so you don’t have to buy one as often anymore.


mascara

2. Stretch your shampoo and conditioner with water. It’s been proved in many studies that most shampoos and conditioners are too concentrated to begin with. So why not save money by cutting them both down with water.


shampoo-and-conditioner

3. Do not buy any more scrubs. DIY by mixing brown sugar and honey which can then be used as a natural/effective scrub on your face and body.


sugar-scrub

4. Nail polish revival. Do you have a lot of old, dry nail polishes? Well, you can give them a second life by adding a bit of nail polish remover with acetone.


acetone

5. No more makeup removing wipes. Just use baby wipes instead to remove your make up. I’ve done a bit of research on the subject and here is an article proving that it’s absolutely safe to do so, plus it costs 70% less.



baby-wipes


I hope you found these helpful and I would love to hear about some of your beauty tricks.

Food is Fuel... Fuel need not be expensive

For many of us, food eats a much bigger portion of our monthly budget than we even realize. We grab some fast food a few times a week, grab take out a few more times a week, and dine out at expensive restaurants here and there. The thing is, though, that it is very easy to cut down on this expense. Here are a few simple strategies to employ.

Eat out less; prepare more food at home. This is the single biggest key to reducing your spending on food over any period of time. I tend to find that it’s more worthwhile to find simple replacements for fast food and to make stuff at home rather than getting take out than giving up a weekend dinner out with my wife.

If you don’t know how to cook, teach yourself, starting with simpler recipes. There are a lot of books out there that can teach you how to cook (trust me, I’ve read a lot of them). The three that stand out (for me) are How to Cook Everything (probably the best overall for learning), The New Best Recipe (probably the best recipes), and The Joy of Cooking (probably the best reference and easiest to find used). Get one of these three and make a commitment to cook. In fact, if you stick around until February, I’m going to somewhat give into my desire to have a cooking blog and do a four week crash course on learning to cook at home with an eye towards the pocketbook.

Give leftovers a try. I used to think leftovers were the epitome of nasty, but then I figured out a few key secrets about making leftovers better: keep the foods rotating and make sure to spice the leftovers themselves. If you prepare a bit extra at mealtime, leftovers make for extremely cheap dining.

Buy a deep freezer. This allows you to buy some foods in bulk at a very cheap rate. Once you have the freezer, check with a local butcher to see what kind of deal you can get on bulk meat; you’ll be amazed how much of a discount you can get on bulk orders. You can also move to a system of preparing many meals at once and freezing them for later use; it’s a lot easier after a busy day to come home and pop a meal in the oven than it is to stop at the take-out place, especially when you realize how much cheaper the first option is, too.

Organize a series of potluck dinners. If you have a group that regularly dines out together regularly, suggest that you have a rotation of potlucks or backyard barbecues instead. If everyone is on board with this, it can be vastly cheaper and often more fun. Some of my best memories of dining with friends are not from restaurants, but from sitting on back porches watching the moon rise and enjoying a bottle of wine in the gentle warmth of a summer evening.

Swap it!

I had mentioned before the different items you could swap online instead of tossing them or attempting to sell. But this topic deserves its own post in entirety as the swapping business is deep and infinite! :)

Books
Book Mooch
BookMooch lets you give away books you no longer need in exchange for books you really want. Every time you give someone a book, you earn a point and can get any book you want from anyone else at BookMooch. Once you've read a book, you can keep it forever or put it back into BookMooch for someone else, as you wish. No cost: there is no cost to join or use this web site: your only cost is mailing your books to others.

Bookswap
Mail a book. Get a book. Any book you request is yours to keep, share or trade. No late fees. No processing charges. No hidden charges. Every time you mail a book to another member, you can request one for yourself from over 3 Million.


Movies
SwapADVD
A member decides which DVDs he or she has and is willing to swap (DVDs do have to be in cases with the original artwork), then registers a free account with SwapaDVD. The UPC codes on the DVD cases allow the member to list the DVDs quickly (with full descriptions and cover art supplied by the SwapaDVD database) on a virtual DVD Tower as "available" for other members to select. When a member sends out a requested DVD and it is received, DVD credit (1 credit per disc) is deposited into the sender's account. Then the member can order DVDs for himself or herself. Mail a DVD -- Get a DVD! The DVDs can be kept, or swapped again after watching them.

Music
Swap A CD
When another member selects one of my CDs that I have posted, I mail it to them. Yes, I pay about 79 cents postage, but then I get another CD credit and I can select any CD that I want from their huge collection. So another Club Member returns the favor and mails me one of his or her CDs postage-paid. Where else can you trade in an old CD, add a 49 cent processing fee, and then choose another from over 160,000 CDs?

And when someone requests one of your CDs, all you have to do is print a piece of regular paper from your printer which includes the mailing address and the recommended postage. Apply the postage, and drop it in the mail. They even offer the option to print the postage on your wrapper, so you don't even have to leave home to mail it!


Flower Seeds
Swap Flower Seeds
This is one of my favorite ideas. The possibilities are really endless. You could end up with a garden of flowers from all over the world! Do your research before hand and then head over to Thrifty Fun!


Recipes
The Myspace of Food Lovers
BakeSpace is all about preserving and reinventing this tradition in cyberspace. We're a grassroots online community where people from around the world gather to share recipes, build new friendships, learn from one another and express their passion for all things food-related As a BakeSpace member you can post, search and swap recipes in real-time, and our unique recipe swap feature ensures that you'll always know what your friends are cooking. You can also build and customize your own "online kitchen," raid the "virtual pantry" (forums), upload videos, create blogs, get inspired, share your passion and learn from other members by tapping into our first-of-its-kind mentor program.


Crafts/Penpals/Fun
Swap-Bot
Do you like sending and receiving snail mail? Do you like writing letters, making crafts, or putting together fun packages? You should try swapping! Swap-bot is a online service that organizes group swaps and a community of creative individuals. Swap-bot takes the hassle out of participating in group swaps by organizing all of the participant information and doing all of the partner assignments. On Swap-bot, you can host swaps, join swaps, and chat with other swappers from all over the world. Give it a try!

Things
Swap Thing
wapThing is a new and exciting community-driven swapping site that enables you to get the things you want and part with the things you don?t want ? at no cost to you!. You simply list the items/skills/services you are offering, as well as the items/skills/services you are seeking. Search through the items, skills and services offered by other swappers and propose a swap. SwapThing never charges a transaction fee, whether you swap one item or a bundle of items. Any cash transactions, including shipping, are negotiated between swappers, and easily allocated through your PayPal account. If you only want to swap with your friends or a limited number of swappers, then create a SwapCircle community. SwapThing maintains satisfaction information on all transactions to help maintain a safe and secure swapping environment where you can develop trusting relationships with other swappers.

Don't waste it! Plan, reuse and save!

On average, American households waste 14 percent of their food purchases. That is a huge amount if your household matches the average. This means that for every $100 you spend on your groceries, $14 worth of it turns into wasted food.
By learning a few tips and techniques, you can cut down on food wastage, and possibly even completely eliminate your food wasting habits.

1 Good Meal Planning
As mentioned in the article "Grocery Shopping on a Budget", meal planning is one of the most important ways to reduce your food wastage. Before shopping, plan every meal for the week and write the shopping list accordingly. This should prevent you from buying foods that will not be used, and therefore, not ending the week with excess garbage. When planning your meals, consider how much time you will have available for meal preparation in order to ensure that it is realistic for you to stick to the plans.
Be sure to check your fridge and freezer before writing your shopping list. There may be some items that you already have, or there may be some leftover produce that you could make use of by adjusting the meal plans.

2 Keep the Fridge in Order
To ensure good food waste management, clean and organize your fridge often. This way, you will be aware of what food you have leftover, and what needs to be used quickly. Keep the older produce towards the front so that it gets used first. Dedicate one shelf to leftovers, again with the older items in the front.

3 Food Waste Log
Keep a food waste log on the fridge. Every time you throw out food, write down what it is and estimate it's cost. You will soon learn which foods you are buying too much of and how much it is costing you. Start adjusting your shopping list accordingly, and work on reducing the costs of your food waste.

4 Food Approaching Best Before Date
It is important to consume this food before it goes bad. The first approach would be to attempt to use the soon to be bad food in an upcoming meal. With vegetables, you could consider cooking and storing them in a container. This will give you a few more days in which to use them. Milk, meat, bread, berries, and leftovers from previous dinners can all be frozen.

5 Using Leftovers
No matter how well you plan, you may still end up with leftovers from your dinners. Should this be the case, be sure to immediately place them in covered containers and store. If you plan to eat the leftovers within a few days, put them on your “leftover shelf” in the fridge. Otherwise, store them in the freezer for use within a few weeks.

6 Leftover Night
One way to get rid of leftovers is to have a weekly leftover night. All the leftovers that you have accumulated in the week can be served buffet style. You may need to cook a couple of additional items depending on how much leftovers you have, but this would still be an excellent way of using up all your old food and cutting down on food wastage.

7 Keep the Freezer in Order
Even in the freezer, food will eventually go bad. Although the frozen foods will last a while, it is still a good idea to occasionally use up all this food from time to time. This way, you won’t have frozen items at the bottom of your freezer slowly going to waste.

8 Canned and Dried Foods
As with the foods in the fridge, keep the older canned and dried foods at the front of your shelves and cupboards to ensure that they get used. These foods do have a long shelf life, but they don't last forever. When you open packets of dry food, nuts, flour, grains, etc. seal the packets tightly or transfer to air tight containers. Otherwise, the food may go stale or attract bugs.

9 Save the Bread
There are plenty of options for soon-to-be bad bread. If you have not already frozen it and the bread has gone stale but without traces of mold, consider using it to make croutons, bread crumbs, or even french toast.

10 Broths
If you have vegetable or meat scraps, you can use them to make a broth. They are easy to make and can be used in soups and stews amongst other things. It is also an excellent way to cut down on food waste.

March is marching in!

February is over and done with and boy did it end on a different note than I thought it would. But I'm going to continue gaining speed in March!

Goals:
1. Money=Time. I'm going to try harder to equate my money to the hours that I work. Example: Mmmmmm Burger King Veggie Burger... $2.59? Thats about 20 minutes of work at the office? Is it worth it... Mmmmmm pizza.... $14.67? Thats more than an hours pay.. NO WAY!
2. Followup with scholarship apps and continue searching!
3. Boost my savings! I definitely feel like this area of my plan is slacking a bit. But luckily I will have more room to pump it up this month.
4. Revamp my plan. My snowball effect has changed slightly so I will need to redistribute my fundages. :)

March is going to be a great month! I'm excited to start saving and I hope you'll stick to it and save with me!

Wishing you all the best.