Saving money on T-G dinner on the morning show
10 years ago
last modified: 10 years ago
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OT: ways to save money in this economy...
Comments (44)Our story goes back to 2002, when my husband was laid off in the last downturn. We were living in a house that was at the top of what we were comfortable paying (though the banks thought we could afford oh so much more!). Fortunately, my husband was able to replace his income within a year by starting his own business, but it was a wake up call and we changed some things. The big things: -we live in a house that is about half of what we can afford and now have no mortage (we sold our more expensive house when we were at the top of our earnings) -we buy gently used cars with cash and drive them forever -we have catastrophic heath insurance and try to keep ourselves as healthy as possible through diet and exercise -we never spent money on preschool or private schools - we homeschool (though not for financial reasons, that's just a bonus) -we enjoy eating out, but we have potlucks with close friends more often. You can have an awesome potluck for what six families would spend eating at a restaurant! -no cable tv, just Netflix. You can watch television shows over the internet or get the DVDs from Netflix. -I purposefully cook to create leftovers. For example, my pot roast on Friday night became pot roast pasta on Saturday, so that stretched our meal over two days and saved us money. -No Starbucks or anything like that. Though like many here, we do spend some of our budget on wine ;). -I make a menu plan and a grocery list and I stick to the list when I shop. No impulse shopping! That'll get you every time. Things we haven't cut back on: -the housekeeper. They come once a week, and that will be one of the last budget items to go. It is a huge help to me as a homeschooler with a toddler, and I also don't want to hurt their business if I don't have to. -quality groceries/ organic. There are somethings I buy that are important to me and I don't mind spending extra on it. For example I prefer to buy Organic Valley dairy products because I prefer their business model to other organic producers that are available to me. -home maintenance. It's more expensive to replace an AC prematurely than to maintain it regularly. -giving. The people who need charity need it even moreso now. We also keep money in the budget for my husband to go on international mission trips, and I'll be doing that again after the baby is a bit older. Good thread!...See MoreSaving money while obtaining a vehicle
Comments (16)I also feel if I buy new it needs to last 10-15 years to be worthwhile. With even less than reasonable care, this is not impossible. Everyone has preferences on new vs. used, but the frugal in me says a vehicle is to get me from point A to point B reasonably dependably. My last vehicle lasted over 15 years and cost to repair would be unreasonably high though I would have put some money into it had I not been able to find a low cost vehicle to last a while. There are the "thrifties" out there that are known as "beaters" and "winter beaters" that will get you around. I bought a mini-van from an estate for $500. It was 10 years old and had about 140,000 miles on it. Ran like new. Not well maintained but ran like new, good tires, and though the body had its share of dings and scratches it wasn't rusted out. For a backup vehicle it would be fine. Turned out I bought it at the right time since the pickup gave up the ghost. I've put on 20,000 miles plus (at least) and it's going strong. I just had to put $1000 into it but the mechanic said it's solid and worth putting the money into it. 24 mpg now, comfortable and reliable. Sat outside over the winter and starts right away, even at -30F. Granted, the heater in a van is a joke, but that's not the vehicle's fault, it's the designer's. A friend of mine offered to sell me one of their company vehicles. A Lexus SUV with a book value of $22,000, for what they owed on it, about $16,000. But that had 90,000 miles on it and I said for my vehicle purchases, it's off by a decimal point! Since I can buy a new Mercury Marquis for the same money, I'd prefer that to the used Lex. I don't need a status symbol. If someone doesn't drive much, it's really worth looking at going the beater route if they don't have an ego. Carry a cell phone for about $5/mo instead of a car club and you can call for help if you break down. I personally feel people should have one in case of someone trying a bump-n-rob, or something anyway. And if the older folks get a flat tire, accident (deer or otherwise) or something it's worth having. Nuff on that. Since I have to drive for work, I need a vehicle. Our society has done everything it can to make public transportation impractical for far too many....See MoreWhat do you do that saves you money AND is kind to nature?
Comments (14)Keep advertising flyers printed only one side using typewriter paper to use to write notes, make calculations, etc. The ones written on both sides I save in a grocery bag to put in the recycle bin for fine paper. Got a heavy paper/card flyer, regular office size from a local deli in the mail today - will punch holes in it and use it for subject divider in ring binder. When I get their flyers half that size, glue a store flyer printed one side to them - then can use it to write material that I want to use frequently (e.g. phone numbers, listing of area codes, frequently used web site, e-mail addresses, etc.) on that blank sheet. Newspapers saved in different bundle. Use large sheet of scrap cardboard to build open-top box to organize magazines that I wish to save for future reference, to stand up on bookshelf. Cardboard pie boxes will do the job, as well - but they don't stand alone as well. Need to cover plastic window on inside so doesn't catch on mags with a sheet of (used) printer paper, held in place with a dollop or so of glue. We just had a shot of snow this morning - much earlier than usual. Brrr-r-r-r. With electric baseboard heating (and inadequate insulation in this rented townhouse), I can adjust heat room by room, so keep heat level low in kitchen, where I'm usually moving around. Turned heat up in bathroom yesterday. Keep it rather low in office, as well. Put on winter underwear this morning. When it gets cold I wear a sweater, batting-insulated vest and light jacket. Wear a hat to cover my head (only lightly insulated by hair). Get along O.K. until fingers get cold. My 22 year old Ford van has couple of leaks in roof, small holes in body and major hole in floor. Am getting some body metal, pop rivets to secure pieces that I've cut and shaped, tar to coat the outside under floorboard, fender, etc. and body paste to smooth over new metal to blend in with current body, then can sand and paint. Retrieved several spray cans with a dab of paint left from garbage, a couple of years ago. Several colours - but I plan to use only black and white, thank you. Not really a hard job. Should cost approximately $50. Better than scrapping the vehicle - which looks rather scruffy and some said that I should do four years ago when I did last body job. Takes a lot of materials and energy to build a new vehicle - so I say it's best to run the old ones into the ground. There are some rust spots on the hatch at the back of the 13 year old car, so need to use wire brush in electric drill to clean off rust, then smooth out with body paste, and paint with primer and finish coat. (Don't have right colour paint on hand). If I don't do it soon - I'll have rust holes to deal with. Much more effort required, then. Annual insurance (I don't carry collision coverage, of course) on both costs about 150% of what I paid for the van, 13 years ago. It had around 150,000 mi. on it then - about 190,000 now. Originally used it to deliver corn-fired heating stoves that I used to sell. Anyone know where I can find some hot air? Surely not produced by anyone around here! joyful guy...See MoreSaving Time so You Can Save Money
Comments (11)I'm not sure I'll be much help on this subject since I'm just now decluttering and reorganizing my home. Here's a few little things I'm doing: Since I don't have a regular pantry (I'm going to make one somewhere, someday--lol) I keep all breakfast items in one drawer, like instant oatmeal, grits, hot chocolate, etc. So, I know in a glance what I need and don't buy extras. I just tear off the top of the pkg. and set the whole thing in the drawer. I also keep my ironing supplies on one drawer---irons, spray starch, etc. I actually had to buy a second iron because I couldn't find the first one---before I organized! I took all on my junky paper and cut it into note size, put it in my desk drawer. If I have pretty junky mail, or envelopes, I cut them up to use as gift tags or small note cards. I hate frying bacon, so I bake it now on a rack. It's healthier and I don't have to spend so much time at the stove. I actually baked a pkg. this morning, used it all at once---now, we have bacon for tomorrow. I don't have very many closets, so I'm using decorative tins and hatboxes (I went thru a hatbox-making phase a few years back) for storage of sewing and craft supplies, and anything else that I can't find a place for!!! LOL These things hold a lot, so I may not have to buy any shelves. In my foyer area, I have a narrow table with a mirrow above it. I just cleaned out that drawer in the table----I have a place for car keys (his & hers), gloves, hairbrush, and glasses. Since I wash my hands a zillion times a day, I keep either an old dish detergent bottle or shampoo bottle with soap, water (*and now hand lotion or baby oil mixed in) under the sink to wash hands with. I just saw a Dr. on Tv say that if you wash your hands too much and they're dried out, germs can enter your body thru the cracked dry skin EASIER!! They were talking about the flu viruses. He actually said that rubbing your hands back and forth, creating friction, would kill germs on your hands!! Rub your hands, rub your hands!!!!!!...See More- 10 years ago
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