Showing posts with label money. Show all posts
Showing posts with label money. Show all posts

Friday, March 2, 2012

The value of a freezer- more than just ice.

The sales on Haier freezers at HyVee and Dillons this week have me thinking about freezers. We just got our freezer about 3 months ago (for Christmas from my Dad, a rather frugal guy), and it is about a 4 cubic foot size. Generally, I would highly recommend anyone get a stand alone freezer, even if you are a household of 1! We are a household of 2.25 (the .25 being our small dog, haha.) and I use the heck out of ours.

Here are some highlights of what I've used/saved in the brief time we've had ours:

-Frozen meals- Lean Cuisines (I take these to work for lunch when I'm too lazy to pack something good). I caught a deal at Checkers when they were 6 for $10 (that is $1.66/ea). They are regularly priced between $0.50 and $1.00 more than that. I bought 12, and thus saved $6.00 to $12.00 compared to what I normally would have paid for them. (Saved  ~$8.00)

-Hams- Oh, the hams! I bought so much ham on sale after Christmas. I got a mega great deal on these at Aldi, and I bought 3 hams (about 6 lbs each) for $0.50/lb. I've seen hams range from $2.99/lb to $3.99/lb, so total I spent $9.00 on ham when at regular price I would have spent more than $50! I made so much good ham & bean soup, split pea soup, and baked ham with these. Mr. Townie could attest to that.  (Saved ~$40)

-Chicken- I've bought whole chickens and chicken thighs when they were on sale for $0.88/lb. That saved me about $1.00/lb, and I bought probably 10 lbs. I've also stocked up when boneless/skinless chicken breast was on sale- I bought about 8lb for something like $10, and it would have regularly been more like $14. (Saved ~$14)

-Frozen vegetables- There was a good deal on Target brand frozen vegetables with some coupon stacking, where I got bags of corn, peas, mixed vegs, carrots, onions for something like $0.59/bag. They are regularly $1.09/bag (maybe more?), so I saved $0.50/bag, and bought 10 bags. (Saved ~$5)

-Ground beef- Checkers recently had a deal on 85% lean ground beef for $1.89/lb, if you bought 10 lbs. So, feeling very pleased with myself, I went on down and bought 10lbs (that is a huge, gross looking tube of meat, by the way). Brought it home (Mr. Townie looked at me like I was crazy), divided it up into 1 lb portions, wrapped in them in plastic wrap, and put them in 2 big zip-top bags, put them in the freezer. We don't eat much beef, so that should last us several months! Usually costs about $1 more than that a pound. (Saved ~$10)

-Various fresh produce (Red peppers, strawberries, corn on the cob, tomatoes, etc)-  I'm not going to have numbers on these, but there have been many times I've bought produce when it was on sale (or had it given to me by friends, family, etc.) that I couldn't use up before it went bad. So, I chop it up, cook it, or whatever and then freeze it to use later! Not sure what the monetary savings have been, but we have certainly wasted a lot less food.

-Bread, buns, etc.- The monetary savings here is negligible, but the convenience is a big bonus. When I buy bread (almost always at Aldi, they have such good multi-grain bread for like $1.69!) I buy an extra loaf or two and put them in the freezer. That way we always have some on hand for emergency grilled cheese sandwiches or what have you. Also, when I find hamburger buns on sale (have gotten them for $0.50/bag at Aldi and Dillons) I can grab some of those and put them in the freezer as well- then they are there when we want to have turkey burgers.

***
Obviously I don't have the exact prices and savings on all of these, but even with my conservative estimates, that is a lot of money (AT LEAST $77!) I didn't have to spend over the last 3 months! Secondly, as dopey as this may sound, it gives me peace of mind to know that we have a freezer with at least a couple of week's worth of food in it, should a zombie apocalypse or bank collapse occur. :)

And while I said an extra freezer is about more than just ice-, it IS nice to have a place to stash an extra bag of ice for parties..

So if you are thinking about buying a freezer, go for it. If you bought one for $159, and you shop like I do, it should "pay for itself" by the 6 month mark, and after that it's all gravy!

Wednesday, February 1, 2012

Grocery Deals Round-Up: Basics & Baking (2/1-2/8)

This week I'm stocking up on my pantry basics and a few baking treats for Valentine's Day. Here are the best prices I've found for Lawrence. Prices good 2/1- 2/7 unless otherwise noted.

Asparagus- $1.98/lb @ Checkers
Avocados- $0.29/ea @ Aldi
Bananas- $0.44/lb @ Aldi or $0.19/lb on Thursdays @ Checkers
Broccoli- $0.99/16 oz @ Aldi
Cauliflower- $0.99/head @ Aldi
Green Onions- $0.77/bunch @ HyVee
Kiwi fruit- 5/$1 @ Checkers
Onions- $1.89/3lbs @ Aldi
Peppers (Red Bell)- $0.78/ea @ Checkers
Potatoes (Russet)- $1.98/10lbs @ Checkers
Strawberries- $1.98/lb @ Checkers
Tomatoes (Hot house)- $0.78/lb @ Checkers
Tomatoes (Roma)- $0.79/lb @ HyVee

Beans (Kidney or Chili)- $0.48/15oz @ HyVee
Cheese (shredded or block)- $1.66/8oz @ Dillons
Frozen Vegetables (variety)- $0.72/16oz  w/ printable coupon @ Target ($0.99 without coupon)
Lentils (dried)- $0.79/16oz @ Aldi
Tortillas- $1.28/pk @ HyVee
Tuna (canned in water)- $0.59/can @ Aldi

Cake Mix (Red Velvet, & others)- $0.99/ea @ Aldi or $0.99/ea @ HyVee
Eggs (grade A large)- $1/29/doz @ Aldi or $1.18 w/ in-ad coupon @ HyVee
Frosting (all flavors)- $1.29/ 16oz @ Aldi
Soy Milk- $2.39/ 64oz @ Aldi
Sugar (White)- $2.79/5lbs @ Aldi

We go through a lot of brown rice at my house, and I have not yet figured out the cheapest source in town- anyone know? 


Sunday, January 29, 2012

Electricty = $$$, but how much?

When I was a kid, I didn't understand that every time I left a light on, left the TV on, or left my stereo on it was costing my parents money. I do know now that electricity costs money, because I pay the bill! But just how much does one lightbulb cost to run? How about the microwave, or a space heater? Electric blanket? I found this really cool calculator that tells you how much different electric gadgets cost you to run.

One fact that is interesting to me is that drying one load of clothes in an electric dryer costs about $0.30! That adds up really quickly when you are doing a lot of laundry. We do probably 3 loads a week, so we spend about $4.00 a month  just to dry our clothes. I thought about this today because the weather here in Lawrence is AMAZING, and the perfect opportunity to use my clothesline instead of the dryer!  If you don't have a clothesline, try this article about air-drying your clothes indoors. 

Try out this tool for yourself, you will be surprised: Electrical Energy Cost Calculator.

UPDATE: For information on the energy rates from Westar for N.E. KS: Click here for rates.

photo from http://www.sxc.hu/photo/1340118

Thursday, January 19, 2012

Frugal blog round-up

It could be winter talking, but I've been feeling pretty low-energy lately, and when that happens, I want to shop! I've been pretty good, but I did buy a dress and boots online last week (I really didn't need them.)  They were delivered yesterday... and neither fit! Ha! Laughing at myself now- that's what I get for spending money on a dress and boots I couldn't try on. So, planning to either return or sell them- we'll see which will get me more of my money back.

ANYWAY... that is neither here nor there. The point, here, people, is that when I feel my "frugal vigor" slipping, it always helps me to read some really good frugal blogs I follow. And of course, it is always helpful to revisit the book that inspired it all, The Complete Tightwad Gazette by Amy Dacyczyn. (pictured) I follow dozens (perhaps... hundreds?) of blogs on various frugal topics: personal finance, DIY projects, couponing, cooking and so forth. (Full disclosure: None of these blogs know I'm "promoting" them, so no worries, they didn't buy my love!)

Here are a few of my very most favorite frugal blogs, in no particular order:


Give Me Back My Five Bucks: "A quest for financial independence through the eyes of a 20-something Candian blogger" by Krystal. I love that she posts her actual weekly spending totals!

Budget Bytes: "On a mission to save money and eat well!" by Beth.  Really great healthy and tasty recipes here, and she posts very detailed accounts of what each ingredient costs.

Get Rich Slowly: "Personal Finance That Makes Cents" Give them a pass on the dorky subtitle- I have learned a lot of valuable information from this blog, and it's fun to read, too.

Mr. Money Moustache: "Financial Freedom Through Badassity" I LOVE THIS BLOG. Love the quirky attitude, and even more, I love that this man retired before he was 40 and he tells us how he did it.

Tip Junkie: "15,000+ tutorials on Crafts, DIY Decor, Food, Holidays, Gifts, Parties, Printables and more!" by Laurie.  This site was like Pinterest before there was Pinterest. She's got it separated by category, and I find a zillion great projects on here.

I'll keep the rest of my favorites for next time. What are you favorite "frugal blogs"?


Monday, November 28, 2011

Ask and you shall receive. Really.

I have a theory that if you wait long enough and you tell enough people, you can get almost anything you need. I've been wanting two bulletin boards for diy Christmas gifts. I found a large one almost right away for $2 at an estate auction (would have been at least $20 new), but I've been struggling to find a second board.


A few weeks ago I posted a "Wanted" ad for a bulletin board on Lawrence Freecycle (if you don't know about this, check it out!). I hadn't heard anything, and started feeling desperate because I want to start on the project. Last night when I was at Wal-Mart I was thisclose to buying a bulletin board. I actually put it in my cart and took it back out again a few seconds later, because it had a plastic frame and I really wanted one with a wooden frame. Plus I really did not want to fork over $10 to Wal-Mart if I didn't have to.

Then just a few minutes ago, I got a reply to my Freecycle post, and someone is offering me two bulletin boards that they no longer need after moving. Thanks fellow Freecyclers! This, my friends, is a WIN, and not the first time this type of thing has happened to me. Do you have any tales of finding the exact thing you need for free or super cheap?

Image from http://groups.freecycle.org/lawrencefreecycle

$0.00: Talking myself out of buying a video game.



With all the focus of getting “great deals” on all kinds of things over the Black Friday weekend, I’ve been thinking about one of the most important tenets of frugality: No matter how great of a deal something was, you still spent money. You used to have that money, and now it is gone forever. The most frugal action is to not spend ANY money.

Here is my example: I really really really really want The Sims 3: Pets game. (I know, I’m a nerd.) I was thrilled to see that this game was 50% off today through EA’s Origin, making it $19.99 (regular $39.99). Wow, that is a great deal, I’m thinking. I'm going to buy it! Then I’m thinking some more... in my budget this month, I certainly did NOT include $20 for a new video game for myself. As a matter of fact, I’m more than $30 over my grocery budget for the month,  and besides that, Mr. Townie and I are taking our belated honeymoon trip in January and need to put any extra funds we’ve got towards that.

Sooo... even though finding the game that I have been wanting for months at half off is a great stroke of luck and it is a great deal, I made the most frugal choice and spent $0.00.  This is not to say that I will forever be a martyr and never ever get a video game again. I’m looking at this as delayed gratification- maybe I will get this game for Christmas.  Maybe I will get a giftcard for Christmas and buy the game. Maybe if I don’t get this game for Christmas, one of my friends will and I can borrow it.  Maybe if I still haven’t gotten my hands on this game after we get home from our trip in January, I can use money we have leftover to buy it.

Here’s the thing- I don’t have to buy that game today. That game will be available for years to come- why don’t I wait to buy it until I have extra money (and time to play it, for that matter?) I’ll just let Origin hold on to my game for me until I’m ready. Maybe it won’t be on sale then- but here’s another thought: video games and many other electronic toys continually go down in price the older they get. It could very well be that by the time I buy this game, it will have come down in price to the “sale price” of today. Or maybe by then I can find a used copy for much less than the price of a new copy.


If I would have bought this game today, you might think I would have "saved" $20 because that's how much it was marked down. But really, I would have saved $0.00 and spent $19.99 that I could have kept. So today, I saved $19.99 and spent $0.00


Photo from http://www.sxc.hu/

Wednesday, November 16, 2011

What is worth a higher price tag?

Get Rich Slowly  made a post Spend on the Things You Do Every Day  yesterday on a topic I've been thinking a lot about. The topic being, what should you spend your money on? It is unrealistic (and maybe not even smart) to say that everyone should just spend as little as possible on everything. Some exceptions I make are healthy food, quality shoes, beds/mattresses, and tools of all sorts. Both of these articles did a great job of explaining this principle, and are definitely worth a read.

Lifehacker also recently did a post on this The Comfort Principle: Spend Money Where You Spend Your Time. I was particularly pleased with the mention of the desk chair (I know I spend 8+ hours a day in mine!)

What items do you think are worth spending more money on?




Sunday, November 13, 2011

Weekend update: great deals!

Had a great weekend hunting down some awesome deals. Went to a rummage sale that was a fundraiser for the LHS marching band, and also to an estate auction. Got a lot of things for Christmas gifts, and a few other fun things too.

Rummage sale:
-Overhead projector - $1.00 - my friend Alena had been looking for one of these for a long time so I picked it up for her.
-Magna-doodle- $1.00 - looks brand new, going to give it to my little cousin.
-White ceramic picture frame - $0.75 - new with tags on it, going to put a wedding picture in it for a grandparent's Christmas gift.

Estate auction-
-Large bulletin board- $2.00 - going to paint & decorate it for a little cousin's Christmas gift.
-Box of 20 or so picture frames - $1.00 - going to use these for more wedding pictures for gifts.
-Old red wagon - $6.00 - thought this was too cute to pass up. Maybe I'll put plants in it.










-Wooden duck- $2.00. I don't know. I just love it.











-A thing that I think is an old-fashioned popcorn popper. $1.00. Can anyone verify this? I plan to give it to my Dad to use in his fireplace.










-Antique wall thermometer. $1.00 Already put it up in my kitchen.










- Two awesome granny-style crocheted blankets- $2.50 To use in my house.
- One other thing that I can't mention because its a gift for someone who reads this!

Did you hit up any garage sales or estate sales this weekend? What did you find?

What is your best ever treasure found at a garage sale or auction?


Wednesday, November 9, 2011

Save money on Christmas gifts by making your own-


This year I’m making most of the Christmas gifts I’m giving. I’m doing this for two reasons: to spend less money, and because I think homemade gifts can be better than store-bought (if done right).

For example, I think that Ugly Dolls are really cute, and I wanted to get one for my 2 year old cousin. Then I realized that even the “Little” dolls were $10 each. I did some searching and found this pattern for a DIY Monster Doll, and I am happy to report that the materials were less than $1, and I spent less than  4 hours on the project. (I am an abnormally slow sewer.)  For the body material I used part of a neon green sweatshirt from my fabric scrap box (free), and for the features I bought felt pieces at Michael’s for 5/$1, and I used only about ¼ of two of the sheets (about $0.05 worth). I also already had white thread, and the other sewing supplies I needed. For the stuffing I bought a (new with tags on it) ugly throw pillow at a Lawrence thrift store for $0.25 and cut it open and used maybe ¼ of the poly-fill. 


I am really pleased with how it came out, and I think it will be extra-special because I made it just for her (using colors she likes, etc.)








Obviously, a Monster Doll may not be the right gift for everyone on your list. I’m making some other gifts this year as well, but I’m hesitant to write about them here, lest I ruin the surprises! What I can offer is this list of my hand-picked favorite DIY gift ideas. 

A DIY Christmas: 34 Great Homemade Gifts You Can Make - from Get Rich Slowly (I like the Secret Hollow Book, Stationary Sets, and Teacup Candles. Also my family has done the Family Cookbook before and it was a lot of fun! These can all be made from things you already have, or cheap thrift-store treasures.)

16 Cheap Homemade Christmas Gift Giving [To-Make] from Tip Junkie (I like the Make Up Roll Up Bag, Hot/Cold Therapy Sacks, and the various Etched Glass items.)

DIY Christmas Gifts that Don't Suck from yes and yes (I like the Finger Puppets, Cat & Dog Treats, Silhouette Portraits, and Wool Mittens.)

And don't forget there are lots of books with DIY gift ideas at the Lawrence Public Library! For inexpensive materials, check out my list of Lawrence, KS thrift and bargain stores. And don't forget your frugal wrapping- ideas here. 

Tuesday, November 8, 2011

Frugal web tool (and games!)

I have some fantastic websites to tell you about.

The first is Mint.com.      I have been using this (free, of course) tool for a few months now. The purpose of this tool is to track your money- bank accounts, loans, credit cards, etc. What is cool about it is is that it breaks it down into categories (Groceries, Mortgage/Rent, Clothing, Hobbies, Travel, Coffeeshops, Restaurants, etc.) so you can see EXACTLY where your money goes. I really had no idea how much I was spending on clothes! This type of tracking is really key if you are trying to lower your spending. I was really focused on our grocery bill, which is good, but not that helpful if a bunch of money is being spent on clothes & other non-necessities. Mint is also helpful because you can set budgets & goals. I really like this because I like to see the charts and graphs fill up. It makes it more like a game for me (a self-proclaimed videgame nerd.) One note: if you don't feel comfortable using Mint.com, I know that many banks offer a similar tool- I know Meritrust Credit Union (where I bank) has one.

Speaking of games-
The other website is Saveup.com, (also free) which I just found out about today (on Lifehacker.com, a favorite of mine) and I'm already hooked. Saveup makes a game of saving money- literally. Lifehacker explains it better than I can but the general principle is that you get points for making good financial decisions. For each dollar that you put in your savings account, or that you use to pay off a debt, you get a point. (You link your existing bank/credit accounts so they can be tracked, I've checked into it and believe this is completely safe.) Then you use these points to try to win prizes on Saveup!

What is your favorite financial tool site (or software)? I know people use a lot of different things and I'd love to hear reviews.

Monday, November 7, 2011

You don't have to give up coffee, or bring it from home, to save money.

It seems like every financial advisor in the last 10 years has been promoting the idea that if you would just "stop buying expensive lattes" and invest the $50 a month you're spending on them, your financial woes will be over.

I'm here to tell you that no, it's not really a good idea to buy expensive lattes everyday. I can, however, tell you that you don't have to go without your good coffee.  One of my favorite blogs, The Simple Dollar, has finally done the math on just how much you can save by bringing your own GOURMET coffee from home. No Folgers for us, folks! The bottom line is that even with really nice coffee and expensive creamers, a 16 oz. coffee brought from home costs under $0.70.  So, keep that in mind.

But there is another option.



I brought my coffee from home for months. The coffee was delicious, but it created problems for me. Most notably:

  • having too many things to carry across campus (not enough hands!)
  • in the winter my coffee being cold by the time I got to my office
  • and last but not least- spilling the coffee on myself repeatedly during my trek to the office. 
I have found a good compromise- it's still cheaper than the $4 latte, and only $0.27 more than bringing coffee from home. The refill! I am lucky enough to have a snackbar/coffeeshop in my building. I found out a few months ago that they charge only $1.00 plus tax for a coffee "refill", which means that you bring your own cup and get coffee from the pump pot. Then I found out that there is a free Coffee Club Card offered by Pulse (the company that runs the coffeeshops on the KU campus) that gives you a 10% discount on all purchases. So I've got my card, and a cup that I keep at my desk, and I get my coffee every morning for $0.97.  Besides, using a re-usable cup is good for the environment, too. I've had my trusty blue cup for years!

Now while you may not have a Pulse where you work, check out the "refill" prices at your regular stop, you may be surprised how cheap they can be. I know, for example, that Aimee's Coffeehouse has a cheap refill. Any other local Lawrence shops with a good refill price?

I hope you enjoy the cell phone photo of my cubicle with my coffee. :) And no, I did not pay full price for the No Coffee No Workee sticker!

Sunday, November 6, 2011

Remember the library!

The value of checking prices- Here is my real life example.

For some reason, I have had a very strong urge to watch Cool Runnings. Don't ask me why. John Candy? Reggae music? 
 It is not on Netflix On Demand, but I still want to see it, so I started checking around. This took me about 10 minutes.

To buy online:
Best price was Amazon: $8.17 with shipping, used.

To buy locally (my preference):
Walmart - not in stock locally (checked online)
Best Buy- $12.99 in stock (checked online)
Half Price Books - not in stock (called local store)
Game Nutt - not in stock (called local store)
Hastings- $10.40 in stock (checked online)

To borrow:
Asked friends on facebook, no one has it.
Miracle Video (rental) - don't have it (called local store)

(It feels pretty silly calling places and asking for Cool Runnings, by the way.) The point here is, when you have a whim to buy something, think about it a few minutes before you do. Think about how quickly you need it, can you borrow it, can you buy it used?

P.S. I also posted a "Want to Buy" ad on cragislist a few days ago, but no bites. I can't believe no one wants to sell their copy of Cool Runnings, which I would just bet they haven't watched recently. 

Friday, November 4, 2011

Lawrence, KS- Thrift & Bargain Stores

Thrift and Secondhand stores in Lawrence, KS:

(Updated 5/19/14)

Not-for-Profit Thrift Stores:

Social Service League : Donated, used goods, money helps people in need get prescription glasses. Love the people here. Have moved to a new, larger location (temporarily while the original location is remodeled) - so less cluttered and more organized. Very low (think yardsale) prices. My favorite thrift store in Lawrence!
Goodwill : Donated, used goods. I think the prices are a bit high sometimes, but worth checking out occasionally. Good ol' Goody's.
Salvation Army Store: Donated, used goods. Good ol' Sally's.
St. John's Rummage House: Used, donated goods. Money benefits St. Johns School & community programs. Somewhat limited hours, but a goldmine, very low prices. Another one of my favorite places.
Habitat Re-Store: Used, donated goods. Money benefits Habitat for Humanity. Mostly building materials, fixtures, paint, etc. but also some furniture.


Other Bargain and/or Used Goods stores:

Arizona Trading Co. : affectionately called "ATC". Buy/sell/trade used clothes. Primarily young/trendy styles for about 1/2 or 1/4 of what they cost new.
Ditto: Buy/sell  used clothes.  Similar to ATC but I think skews a little older- more young professional than high school/ college age. 
Doodlebugs: Buy/sell secondhand baby and children's items. Lots of clothes/shoes, plus baby gear (strollers, bouncers, etc.), cloth diapering stuff, and pregnancy related items including maternity clothes. I love this shop, because you can get like-new baby/kid stuff for a quarter of retail price. However, it is usually pretty cluttered and somewhat disorganized, so make sure you have time to dig! Good place to sell baby/kid stuff you don't use anymore, too. You won't get a lot of $ but more than you would selling in a garage sale, plus you can get more store credit than cash.
Lasting Impressions Consignment: Consignment store- if you don't know how that works- people bring in items they want to sell, and if it sells the shop gets part of the profit. Their stuff changes all the time, though tends to be mostly apparel. 
Lawrence Flea: Monthly flea market, location varies (check their facebook page for up to date info). Items available vary widely.
Lawrence Antique Mall: If you can see past the expensive antiques, there are lots of flea market-type finds to be had here too. Besides, its fun to look through all the stuff.
Plato's Closet: Buy/sell/trade used clothes. Primarily young/trendy styles for about 1/2 or 1/4 of what they cost new.
Wild Man Vintage: Buy/sell/trade vintage used clothes. Almost didn't put it on here because prices are sometimes high, but sometimes a good deal can be had on cool old clothes.

Tell me what goldmines I missed! I'm always on the lookout for new thrift/bargain stores!
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To be Frugal.

Being frugal and living within your means sometimes means asking yourself difficult questions about what you really need and what is important to you. But, being frugal can also be a fun challenge, and a way to use your creativity and smarts. It is also a way to buck the system, if you’re into that kind of thing.


Almost everyone I know feels like they don't have enough money. I am here to tell you that even with a very small income, you have enough money to cover your basic needs and live a full, fun life. Being frugal is a way to get the very most out of what little money you have, without feeling deprived.

One of my very favorite writers on the subject of frugality is Amy Dacyczyn, the author/editor of The Tightwad Gazette. I recently re-read the entirety to The Tightwad Gazette and my "frugal fervor" has been restored. The problem is that Amy retired in 1996, and while the ideas in the Gazette stand true, many of the tips and details have become outdated (and were originally somewhat localized to Maine).

My mission is to do what Amy Dacyczyn did for Maine in the 1990's, for Lawrence, Kansas, in the 2010's. A lofty goal to be sure, but it won't cost me any money to try!

-Jessica Gish Bergin