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

Friday, September 4, 2009

Gotta Love The Freebies!

I am sure no one reading this minds knowing about ways to not only save a few bucks but to get things for FREE! Yes, we all are in love with the freebies. Just admit it. After all, don't they say that some of the best things in life are free. Penny pinchers, you may want to brace yourselves.



  • Free Birthday Stuff. Lots of companies give you free stuff on your birthday. Join the birthday club at Toys R Us and your child (younger than 10) will get a free toy or gift card every year. For the adults, if you sign up at your favorite eatery you could eat for free on your birthday.
  • Free Shipping. Many retailers offer free shipping for online shopping. Some include: Zappos.com (shoes), Bluenile.com (jewelry), Piperlime.com (shoes). Others offer shipping options where you can ship to a local store and still avoid personally paying shipping. Some include: Walmart.com, REI.com.
  • Airline Freebies. What?! Airlines still have freebies? Yes! Southwest lets you check two bags for free. Most others charge. Jet Blue lets you check one bag for free, plus gives you access to free TV, satellite radio and all-you-can-eat snacks. Continental still serves free meals on several routes. And all kids under 2 years of age fly free on your lap on all airlines.
  • Free Books, Movies, & Music. Yes, I've mentioned this before. Don't forget about your library. Its your golden key to lots of free books, CDs, and movies. And some offer free seminars and events.
  • Kids Eat Free. Yep, free meals for kids at Denny's, Lone Star Steakhouse and Roadhouse Grill every Tuesday night with a paying adult. You can search for eateries in your area at KidsMealDeals.com.
  • Free Digital Storage Space. Free online backup storage to protect your files or photos from computer crashes or natural disasters. Spideroak.com and Myotherdrive.com each give you 2 gigabytes of free and secure digital storage space. You can also use Photobucket.com and Flickr.com for your photos and videos. Or there are photo-print ordering sites where you can also store photos such as Snapfish.com and Shutterfly.com.
  • Free Technology Recycling. Not only is this free but you can also get some cash here! BuyMyTronics.com, Gazelle.com, MyBoneyard.com and GreenPhone.com recycle and refurbish your old technology and send you a check in return! They take cameras, cell phones, MP3 players, game consoles and more. Check them out!
  • Free Music. Dance to your hearts content at Pandora.com. Great way to discover new music. You will have to listen to some ads on occasion but they are short. At Pandora you will receive 40 hours of free listening per month. Another site to try is Slacker.com where there is no limit on your free listening!
  • Free Directory Assistance. Save and dial 1-800-GOOG-411 next time you need directory assistance. Google's free phone service will connect you with the business you're looking for, and there are no ads to listen to. But, note they don't offer residential listings yet.
  • Free e-Books and Sheet Music. When copyrights expire on books and music they become "public domain." So you can get free and legal copies. At Gutenberg.org you can download more than 30,000 e-books. At http://books.google.com you can search the text of seven million books (even those that are still under copyright)! And at Mutopiaproject.org, you can print sheet music by more than 250 composers.
Thanks to Kiplingers for some great ideas.


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Sunday, August 16, 2009

Knock Down Rising Food Prices



Don't let rising food prices discourage you or throw you budget out of wack. Consider these ideas to keep your food budget at bay.
  1. Eat at home. You can make the same healthy and nutritious meals you get in restaurants at home. And that includes the great tasting coffee. This excludes meals with lower nutrition as those can be found at bargain prices throughout fast food chains.
  2. Shop with a plan. Don't just put everything that catches your eye in your cart. Plan it out. Make a list at home before you go to the store and stick to it. Planning your meals out helps too so that you only buy what you need for those meals. All helps you not to buy extra and spend extra.
  3. Put on the blinders. Don't let the impulse purchase items catch your eye. Shopping with a plan and a list will help as you will find you will not have to go down every aisle and be tempted.
  4. Eat before you shop. You will be less tempted to buy the extra things not on your list if you are not hungry when you go shopping.
  5. Avoid prepared foods. Yes, its convenient in this fast paced world we live it. But, it also comes with a premium price tag. Instead, buy the ingredients and make it yourself and save money.
  6. Avoid the bottled water. Easier on the pocket book and the environment. If you don't like tap water consider installing a filter. You can also add lemon to your water which will also add nutrients to your diet.
  7. Avoid shopping with kids. They can add minutes to your shopping trip and added time can equal extra purchases that can sneak into the cart that you didn't plan on.
  8. Use coupons. And pay attention to use them at stores that offer doubling deals. Many websites also have coupons you can print off. The few minutes you spend looking for coupons can equal great savings.
  9. Buy locally. Its often cheaper since there aren't any transportation costs.
  10. Look down and around. Stores often place the more expensive items at eye level. Look down to see cheaper alternatives. This also applies to the brand name item. Look around them to find cheaper generic alternatives.
  11. Watch the dates. As the "sell by" or "best before" date approaches, you are virtually guaranteed a discount.
  12. Substitute recipe items. If you have a higher-priced item that reoccurs in your favorite recipes, it may be time to shake up your taste buds. Often a lower-priced alternative can be found. "For instance, if you consistently bake with olive oil and you see that the price has skyrocketed, a simple switch to applesauce (something that you might even be able to make if you have an apple tree) is a great cheap and low-fat substitution for many recipes."
  13. Shop less. Keep the number of shopping trips at bay to reduce chances of unnecessary purchases and money spent on gas.
  14. Keep items on hand. Keeping your kitchen well stocked will help you to not run out of staple items and have to run to the store at the last minute. This will also allow you to be able to wait for sales.
Thank to Lisa Smith from Investopedia for some great ideas.
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Monday, April 13, 2009

Dollar Stretching Exercises For Tight Times

Regardless of whether or not we are in a recession I think times are tighter and cost of living has increased.   I've done some research and have gathered some good tips that have been shared by blog readers regarding ways we can stretch our dollar to make it go further.  Much of it has to do with our mindsets, however.  Instead of thinking "what do I need to buy?", think, "what do I have that I can use?".  That is how many got through the Great Depression.  Follow are a few things you can do to work out that dollar.  I've put them into categories.

Cooking and Eating Savings
  • Bring lunch from home.
  • Eat less. The average American consumes too much food.
  • Get creative with leftovers to reduce waste.
  • Make your own jello or pudding cups rather than buying them.  Its cheaper.
  • Always take a snack or water where ever you go. Will reduce temptation to stop at fast food.
  • Cook large amounts and freeze for busy nights.
Car and Gas Savings
  • Walk as much as you can or ride your bike
  • Keep tires properly inflated to appropriate pressure
  • Regularly maintain you car
  • Fill up with gas in the morning.  Air is cool and gas is dense. You'll get more gas and less air.
  • Use gasbuddy.com to find the lowest gas prices.
  • Don't suddenly stop or accelerate. Try to maintain consist speed to improve gas mileage.
Utility Savings
  • Keep lights off during the day.
  • Let dishes air dry after running them through the dish washer.
  • Line dry clothes by setting drying racks over heating vents during winter and outside during the spring and summer.
  • Turn off the PC if you won't be using for an hour or more.
  • Keep the freezer full.  If you have to, put milk jugs filled with water in the freezer.  It's less expensive to keep a full freezer cold than an empty one.
  • Never leave the water running when brushing your teeth, rinsing dishes, etc.  Only use the water you need.
  • Use a programmable thermostat and don't run the heater at night.
  • Use a fan.
Savings Around The House
  • Store batteries in the refrigerator.  They last longer.
  • Use rechargeable batteries.
  • Email for free samples.
  • Use water from boiling food or a dehumidifier to water your plants.
  • Use a kitchen rag instead of paper towel.
  • Wash a re-use Ziploc bags.
Entertainment Savings
  • Eat out only once per month.
  • Prepare special dinners at home, rather than going out to celebrate.
  • Go to the park and have a picnic.
  • Take advantage of 'get in free' days at museums, etc.
  • Visit your local tourism guide for special events.
  • Do free things for entertainment: hiking, free city concerts, game nights, etc.
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Monday, March 23, 2009

Can We Be Sympathetic As We Cut Spending In Our Budgets?

I was at a networking event last week and I met a man who is a small business owner.  He owns a nail salon.  We were talking about how business was and he was sharing how hard it was to run a small business particular like his in this economy.  Not only in Michigan but in general.   People are cutting back and are becoming a little more frugal and getting your nails done at the salon is one of those things that is the first to go.  It is considered a luxury item that some can live without.  

This got me thinking though.  As I have been networking over the past few months to find a job I have seen how so many people have pulled together to help each other out in their job search through referrals, information sharing regarding companies that are hiring, etc. Yes, this is part of networking in general and has always been this way. But, its different now. Some people that weren't willing to take an extra step before to help are more willing now due to our current economic situation.  Or at least that has been my experience.  People are compassionate toward one another to find a new job and to try to get people back to work.  Maybe we can also be compassionate toward the small business owners when we are cutting back our spending.  Maybe even prevent more jobs getting lost in the process.

As we tighten up on spending and before we cut the small things out lets stop and think about those businesses.  How can we still support them if we can't even support ourselves?  Well, maybe instead of cutting things out of the budget entirely we can just cut back so that the small businesses are taking as big of a hit.  Here are some ideas.  

1.  Nail Salon.  If you get tips and visit the salon bi-weekly to get fills the cost can add up in the long run.  Instead of deciding not to get your nails done at all, consider spreading out your visits to the salon to lessen the cost.  Or if you can't afford tips maybe you can get manicure's.  They are less expensive and the salon still retains your business.

2.  Hair Salon. The same can apply here.  How often do you get your hair cut?  Maybe spread out the visits here as well.  Or if you get your hair colored and have to go once per month for touch ups consider spreading them out a bit.  Hair color can get pricey.  An alternative is to switch to non permanent colors.  Non permanent colors fade but you won't have roots that need to be recolored so often thus you can go longer periods of time before having to get it colored again.  Consider this before you stop going all together and buy the over the counter at home coloring kits. 

3.  Lawn Service. Summer is coming.  Do you normally hire a lawn service to cut your lawn? Thinking of stopping the service this year?  Before you do and take away business the lawn service is relying on to survive consider working with them to cut back on your service schedule.  Maybe have them come every other week to where you then could cut your own lawn when they are not scheduled to come.  It is cutting back on your lawn care expense but is also still the lawn service to retain business.

4.  Dinner Out.  Do you eat out often and enjoy it and can no longer afford to?  Let's say there are just two of you.  While this may seem like a stretch its really not for some where times are tough financially.  Still go out and enjoy dinner but change the routine. Maybe sit in the bar area and order one meal to share.  We know some places give you enough food for two people anyhow.  This way you can still enjoy a night out and the restaurant is still receiving some of your business.

I think you get the idea.  Think a little before you rush to eliminate an item or activity out of the budget.  Get creative.  They may be a work around.
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