Monthly Archives: May 2009

Freebie Friday (May 29-June 4)

May 29, 2009
By

Here are a handful of freebies to round out May and get June started. Enjoy.

Free Food

  • Alouette cheese is encouraging people to try out the new Baby Brie Wedge by offering a coupon to download for free cheese. The coupon is good through the end of the year.
  • Log on to the Mars candy website to take advantage of the company’s Real Chocolate Relief Act. Every Friday through September 25th, you can sign up to get a certificate for free chocolate from the Mars candy company–makers of Dove, Snickers, Twix, M&Ms and more. (Thanks for Miami on the Cheap for the heads up about this offer.)
  • Don’t forget: through May 31, 2009 (that’s this Sunday!) at an Uno Chicago Grill near you, you can use a coupon (click here for it) for kids to “Make Your Own Pizza” for free, with purchase of an adult entrée. (Kids are defined, by the way, as being age 12 and younger.) With the make your own pizza option, children are given aprons, thin-crust pizza dough, sauce, and toppings to make their own delicious creations, which are baked and brought back to the table for dinner. Yum!

Complimentary Online Course

  • In time for National Safety Month, the National Safety Council will offer free enrollment in two popular online training courses, June 1-7 only: “Alive at 25 Parent Program,” for parents of teen drivers; and “First Aid and CPR with AED,” basic training for adults. For the “Alive at 25 Parent Program, click on “New Student” and enter “NSM” as an access code. Users will have 30 days to complete the program. Register for the “First Aid and CPR with AED” course here.

Mac Camp for No Moola

  • Still unsure what to do with the kiddies this summer? Live near an Apple Retail Store? Then you might want to sign them up for a free Mac summer camp, for kids ages 8 to 12. Camps cover making musics, movies and more using, what else, Macs. Only bummer? You, the parent, have to stay with the kids during this so-called camp. Hey, that’s not camp–that’s Mommy and Me!

Treat Yourself to iTunes

  • Become a fan of iTunes on Facebook, and you’ll receive a code to download 10 songs from iTunes for free. And I just bought a bunch of songs on my own dime. Darn! Thanks to Sweeties Swag for cluing me in on this deal. (Note: you have to scroll down the iTunes fan page to find the link for the 10 free songs. And unbeknownst to me, iTunes automatically downloads the 10 free songs; you can’t choose them. Sorry.)
Share

Frugal Decorating Idea

May 28, 2009
By

I was paging through the current issue of Woman’s Day magazine this past weekend when I saw a frugal decorating idea I just had to try. This pictorial suggested that you color coordinate books on a book shelf so that you create your own color palette without opening a can of paint. Of course, this is an incredibly frugal idea, because it involves using things you already own–namely books and your bookshelves.

Once I decided to tackle this project, I had a blast doing a quasi scavenger hunt through the house for books with spines in these five colors: blue, green, yellow, orange and red. Then I started clustering the books by color–a shelf each on two adjacent book shelves. In addition to matching the spines, in cases where I didn’t have enough books to fill out a shelf, I found housewares and other decorative objects that matched from elsewhere in the house and placed them on the shelves beside the books.

I’m pretty pleased with the end result, as you can see below. On the left is the “before” and on the right is the “after.”

abookshelfb4abookshelfafter

Share

When Do It Yourself Becomes a Don't

May 27, 2009
By

My frugality has helped me to become a DIYer–that’s a do-it-yourselfer. Instead of paying someone to lay a patio or demo our upstairs bathroom, my husband and I did it ourselves. I also handle my own gardening and lawn mowing (when I had a lawn), and I’ve learned how to make my own laundry detergent. (FYI, that DIY laundry detergent page continues to be the most popular on this blog.)

While DIY is a great way to save money and learn some new skills, I’ve found out the hard way that sometimes with do it yourself, you should think don’t do it yourself. The New York Times recently ran a story called “Even to Save Cash, Don’t Try This at Home.” It was an article about homeowners who attempted to save money by trying DIY plumbing or car repairs. Good idea in theory, terrible idea in reality. Not only did these folks screw things up so badly, but then they ended up paying twice as much to fix the original problem and then the havoc they’d wreaked.

Sadly, this is exactly what happened to me a few weeks ago. I had come up with this hare-brained scheme to make tie-dyed t-shirts for my daughter’s basketball team. I wanted to make these shirts because the girls didn’t have any alternate jerseys. I figured with cheap shirts from the craft store, some rubber bands and tie dye, plus iron-on numbers to use on the back of the shirt, how hard could it be to make these shirts?

Pretty hard, as it turned out. Have you heard of Murphy’s Law? Yeah, well that pretty much summed up my tie-dye t-shirt project.

In addition to ruining the initial set of shirts, first with the iron-on numbers (which, by the way, don’t adhere to fabric after it’s been tie-dyed) and then with numbers that I used a stencil and spray fabric paint to apply (it looked like a graffiti artist gone bad), I just wouldn’t accept defeat and kept trying to come up with better ways to get those damn numbers on the shirt.

So I tie-dyed a second set of shirts (spent $20 extra for more shirts and tie-dye) and then used computer paper to print out a new set of iron-on numbers. (The original iron-on numbers where store bought.) I never got the chance to try out the computer-generated iron-on numbers, because I melted the paper in my laser printer. Then because I didn’t learn, I tried to use my desktop copier to print them out, and I melted the paper in that machine, too.

At this point, I’d ruined the following:

  • Six t-shirts
  • An HP LaserJet printer
  • A Xerox desktop copier

But wait, the devastation didn’t end there. Because I ended up having to dye another set of shirts, I got impatient and put two pots on the stove so I could boil two batches at once. Guess what? Once you use tie dye in a pot you can’t use them to cook anymore. So in addition to the two expensive pieces of office equipment and the shirts I’d ruined, now I could add to my disaster list the following:

  • Pasta pot
  • Stock pot

In the end I brought the t-shirts to a professional printing shop for the numbers. For $6 a shirt, this professional was able to put the numbers on in about five minutes.

Why didn’t I call the pros in after the first screw up? Because I really thought that in my attempt to do things DIY, I would save money. But my DIY became a DIY don’t. I’ve yet to tally up all of the damage, at least as far as my office equipment is concerned. And I’m not sure I want to know.

But the next time you’re considering trying something DIY and things start to go wrong? Cut your losses and call in the pros.

Share

Haggling How To: 7 Tips

May 26, 2009
By

A year ago yesterday we moved into this house we now call home. But before we could do that, we had to sell our old house. I realized that with the economy and housing sales the way they are now, I shouldn’t complain about how difficult it was for us to sell our house then. But trust me–it was no picnic.

One of the challenges was getting our house show ready and I don’t just mean in the clean-up-after-yourself kind of way. We had to refurnish rooms that we’d used one way but which our Realtor told us would show better another way.

One such room was the formal living room. We’d previously used it as the kids’ playroom, which is why it was painted green with purple carpet. It had beanbag-like chairs on the floor, and a closet full of toys. Once our house went on the market, we had to makeover the room, including foregoing the kid-friendly chairs for more grown-up seating. We also replaced the purple carpet with a neutral-colored one.

To complete that makeover, we splurged on two overstuffed chairs, with an ottoman, which we picked up at The Dump. But we didn’t just pay the retail price and leave–we haggled for the best deal possible. We had room for negotiation because two of the chairs we wanted had damage on them, and the store clerk knew that if he was going to move the merchandise, he needed to consider our counter offer. My husband and I literally sat in those chairs–and told the clerk we would be doing so–until he gave us the price we’d asked for. Three hours later we’d paid up, moved the chairs into the back of our car, and were on our way.

Turns out in today’s economy, haggling has become more of the rule rather than the exception, so says Consumer Reports. In fact, a new poll by Consumer Reports found that more than 66 percent of Americans have tried to negotiate for a better deal in the past six months. While we successfully negotiated a deal for furniture (which 71 percent of those surveyed succeeded at doing, too), the Consumer Reports survey found that Americans had luck haggling in these areas as well:

  • 83 percent negotiated better deals on hotel rates
  • 81 percent reduced their cell phone bills
  • 81 percent went home paying less for clothing.
  • 79 percent scored lower prices on jewelry
  • 78 percent did better on new car purchases and on airfares,
  • 75 percent haggled for better prices on an appliance purchase.

“Now is not the time to be shy. It may feel awkward to ask the salesperson for a discount, but it’s more important than ever to make the most of your money. Our poll shows there is a very good chance they won’t say no,” said Greg Daugherty, Consumer Reports executive editor. (I know this guy; he’s a stand-up fellow.)

Here are 7 tips, courtesy of Consumer Reports, on how to improve your haggling skills:

  1. Be patient and be nice. Demanding a discount rarely works. Savvy negotiators know that a smile is more difficult to resist than tough talk.
  2. Time your haggle. Late in the month, when salespeople are trying to meet their quotas, can be a good time to bargain for big ticket items. Evening or early hours are usually less busy, so clerks have time to talk. (We’d visited The Dump in the morning that day we’d successfully negotiated the price of our furniture.
  3. Avoid an audience. Haggle out of earshot of other customers. Sales clerks don’t want everyone else in the store asking for a deal too. Keep in mind that at chain stores, salespeople often don’t have the power to offer a discount. Try asking a manager or supervisor instead. (We did ask for a The Dump manager when we wanted to talk turkey.)
  4. Know before you go. Research prices and store policies. Bring Web printouts, flyers, and newspaper ads with you. Mention if a local competitor is selling the item for less. The store might be willing to match your best quote. If you can’t get a price discount, ask for free shipping, delivery, or installation.
  5. Learn to read the ticket. Price of inventory tags often contain date stamps that tell how long an item has been in the store, though you might need to ask a salesperson to help you locate and decipher the code. Retailers are often more willing to cut the price on merchandise that has been on the sales floor for a long time.
  6. Offer to pay cash. Merchants don’t like to pay transaction fees to credit-card companies. Such fees are about 2 percent for larger retailers and as much as 8 percent for small ones.
  7. Be prepared to walk. The most persuasive weapon you have in your haggling arsenal is your ability to walk away and spend your money someplace else. (Our “sit in” seemed to work well for us, too.)

For more information on haggling, the new money rules for today’s economy, how to spend less on practically anything, managing debt, improving credit scores, and recession-proofing your career, check out Consumer Reports Money Rebuild Your Finances special publication.

P.S. Consumer Reports is based in Yonkers. So is my dad. And today is his birthday. Happy Birthday, Dad!

Share

The Renovation So Far

May 25, 2009
By

They say a picture is worth a 1,000 words, but who wants to write when it’s a holiday? That’s why in today’s blog posting, it’s all about the pictures–of our green-and-frugal renovation, so far. With this many photos I’d say that’s a couple thousand words, would you? Enjoy. Happy Memorial Day.

renovationdayone1

concrete1

concretecloseup

day13back

Share

8 Tips to Shop Locally This Memorial Day Weekend

May 24, 2009
By

Can you believe Memorial Day weekend is here? I can’t, but with Memorial Day comes something so great I can almost taste it–farmers’ markets, farm stands and my CSA farm are all open for business. That means that, now more than ever, it’s easier for you to shop locally for your food.

With this notion of shopping locally in mind, here are eight tips on how to fill your fridge this Memorial Day weekend–and all summer long–with the freshest food possible. (Note: these tips are courtesy of FruitandVeggieGuru.com, a website with tips and recipes on all kinds of fruits and vegetables, ranging from apples to zucchini.)

1. Ask before you buy.
Some farmers’ markets have stalls where vendors can offload their overstocked, distressed or supermarket-rejected produce, which they’ve purchased from local wholesalers who unload it cheaply to sellers for fruit and vegetable stands. While you can get good deals from these sellers, they are not a source for fresh local produce. You want to ask first if this person actually grew the produce he or she is selling, or if that person is just a reseller. When in doubt, stick with the farmers only.

2. Shop early in the day for selection.
When the first-of-season blueberries or peaches or honey crisp apples (yum, my favorite!) arrive, they often disappear from market tables before noon. Even less time-sensitive foods like pickling cucumbers might be gone if you wait until late in the day to pick them up. Remember: just like the early bird and the worm, the early shopper gets the best choice on farm-fresh produce.

3. Let the produce du jour guide your meal planning.
Since farmers’ market selections come from just 100 or 200 miles away, the local climate dictates what you’ll find on any given day. That means you’ll get leafy greens, herbs and sprouts early in the season, and you’ll have to wait for items like corn, berries and tomatoes. Build your menus around produce availability to take full advantage of the season’s bounty. That’s one of the reasons I love my new CSA: each week they post recipes on the farm’s website, and these recipes specifically include the produce that was picked–and we picked up–that week.

4. Buy for value.
At a farm stand, foods like corn, green beans, herbs, squashes, cucumbers and fresh peas may be less expensive than their store-bought cousins. Tomatoes are also a good value. However, many other items may be pricier than your neighborhood grocer because small farmers lack economies of scale, use more expensive heirloom seeds, and care for their crops by hand rather than machine. The reward: you’ll get peak-of-season taste that is hard to find at your neighborhood grocer.

5. Understand the history of heirloom produce.
Local farmers typically use heirloom seed stock passed down through generations without human engineering. Often, fruits and vegetables grown from these seed varieties have more flavor than grocery store produce bred from seeds developed for their high yield, ability to withstand long-distance travel, and/or tolerance to drought and frost.

6. Look for organic growers.
You’ll usually find a few organic farmers that offer foods that are grown and processed without artificial ingredients, preservatives, hormones, antibiotics, germ-killing irradiation, and most pesticides and fertilizers. But don’t expect to find “certified organic” goods. Many smaller producers are not big enough to justify the expense of getting inspected and certified under the National Organic Program. So when you’re at a farmer’s stall at the market, question him or her about the farm’s use of chemicals and pesticides, and then make your purchasing decision accordingly.

7. Ask when produce was picked.
The sugars in foods like peas and corn turn to starch quickly after picking, so be sure you know when they came out of the fields. Some vendors pick fresh in the morning, while others pick the night before because they have to drive two or three hours to set up for a 7:00 or 8:00 a.m. market. A 12-hour pick-to-market difference is no big deal, but tell the farmer “no deal” if it turns out that produce was picked a few days ago.

8. Befriend the farmers.
Remember, the people you’re buying from are most likely the people who grow the food. They can steer you to the best buys of the day, teach you about foods you might not be familiar with (how often do you buy fennel or celeriac?), and perhaps reserve something special for you the following week. Besides, part of the enjoyment of farmers market shopping is that it’s personal.

To find a farmers’ market nearest you, visit the Local Harvest website, which has a directory of not only farmers’ markets but also food co-ops and CSAs.

Share

10 Pet Travel Tips for Memorial Day

May 23, 2009
By

Every Memorial Day thousands of families hit the road for a getaway.  When you travel with pets, it’s important to take the time to make additional preparations. These can make the difference between a stress-free holiday and a trip filled with anxiety for you and your pet.

Here are 10 pet travel tips, courtesy of PurinaCare Pet Health Insurance, for you to keep in mind as you leash up your cat or dog, and hit the road.

  1. Take updated vaccinations / medical records with you on the trip.
  2. Carry a copy of your veterinarian’s business card or phone number.
  3. Pack any medications (including heartworm prevention), especially if your pet will be due for a dose when you’re away. (I do my dog’s heartworm and flea/tick medicines on the 1st of every month.)
  4. Make sure your pet’s collar has updated I.D. information.
  5. Have a leash and harness easily accessible.
  6. Pack containers of water for rest stops; plan to stop at least every two hours with your dog or cat (keep a litter box and litter supplies with you).
  7. Have an adequate supply of pet food in a watertight container.
  8. Never leave your pet in the car, especially when it’s hot out.
  9. Secure your pet inside the car when in motion. This could be by using a special doggie seat belt or keeping your cat in a carrier that you’ve bungee-corded to the backseat.
  10. Look for pet-friendly hotels and call ahead to make reservations. The AAA Pet Book includes information on 13,000 pet-friendly lodging options nationwide.
Share

Freebie Friday Memorial Day Week

May 22, 2009
By

How did it get to be Memorial Day weekend already? Enjoy these freebies and the holiday weekend.

Free Food

  • Head over to IKEA for free breakfast Saturday, May 23 through Monday, May 25th. Just bring in this coupon to get a small breakfast and cup of coffee on the house.
  • Alouette cheese is encouraging people to try out the new Baby Brie Wedge by offering a coupon to download for free cheese. The coupon is good through the end of the year.
  • Log on to the Mars candy website to take advantage of the company’s Real Chocolate Relief Act. Every Friday through September 25th, you can sign up to get a certificate for free chocolate from the Mars candy company–makers of Dove, Snickers, Twix, M&Ms and more. (Thanks for Miami on the Cheap for the heads up about this offer.)
  • Don’t forget: through May 31, 2009 at an Uno Chicago Grill near you, you can use a coupon (click here for it) for kids to “Make Your Own Pizza” for free, with purchase of an adult entrée. (Kids are defined, by the way, as being age 12 and younger.) With the make your own pizza option, children are given aprons, thin-crust pizza dough, sauce, and toppings to make their own delicious creations, which are baked and brought back to the table for dinner. Yum!

Complimentary Days to Cast Your Line

  • Saturday, May 23, and Sunday, June 7, are Fish For Free Days in the Commonwealth of Pennsylvania, courtesy of the Pennsylvania Fish and Boat Commission (PFBC). Fish For Free Days allow anyone, not just license holders or youth under the age of 16, to legally fish in Pennsylvania. From 12:01 a.m. to 11:59 p.m. on both days, no fishing license is needed to fish in Pennsylvania’s waterways. Visit the PFBC website for smart fishing tips.

Holiday Weekend Handout

  • Admission to all Pearl Harbor Historic Sites will be free this Memorial Day, May 25, for active-duty, reserve, auxiliary and retired U.S. military personnel and their dependants. This extends to all service branches — Army, Navy, Air Force, Marines, Coast Guard and National Guard.Qualified visitors must present a valid military I.D. upon entering the historic site or sites of their choice. Applicable sites include the USS Bowfin Submarine Museum and Park, Battleship Missouri Memorial, and Pacific Aviation Museum – Pearl Harbor. (The USS Arizona Memorial and USS Oklahoma Memorial, both operated and maintained by the National Parks Service, do not charge general admission.)

hires_photo_534

Share

Guest Blog Post: Frugal Container Gardening Stretches Grocery Dollars

May 21, 2009
By

During the May Blog a Thon, we’ve declared today, May 21st to be guest blogger day. I’m the guest blogger over at Parenting by Trial and Error, and here on Suddenly Frugal, we have our own guest blogger. She is Jodi Torpey, a garden writer, master gardener and author of The Colorado Gardener’s Companion: An Insider’s Guide to Gardening in the Centennial State. Jodi writes the Western Gardeners blog and, if you’d like, you can follow Jodi on Twitter @WesternGardener

Jodi is here today to let you know how frugal container gardening can stretch your grocery dollar. Take it away, Jodi!

###

Ever since I watched my mother-in-law grow cherry tomatoes in a wooden nail keg, I knew there were few rules when it came to container gardening. That old keg was the perfect size for one plant and a cage to support it. It grew into one of the most beautiful and productive tomato plants I’ve seen.

Because container gardening is a smart alternative to conventional garden beds, there are more container-sized vegetables now than ever before. Instead of planting veggies with names like “Mammoth Red Rock” cabbage or “Giant Belgium” tomatoes, gardeners can plant “Little Finger” carrots, “Spacemaster” bush cucumbers or “Tiny Tim” tomatoes.

Patio gardens can be grown with just 5 or 6 hours of sun a day. Look for the sunniest spot on the porch, deck or balcony and be sure to consider every possible space; herbs and leafy greens can be grown in hanging baskets and some vegetables do well in upside-down hanging planters.

Containers

If you’re growing your garden to save money on groceries, it doesn’t make sense to invest in expensive pottery containers. Be creative and look for frugal, functional options for planting.

For best results use 2-to-5 gallon containers with an opening 12 inches wide and match the size of the mature plant to the container. Be sure to punch or drill drainage holes in the container bottom and set on saucers or elevate on bricks to aid drainage.

Low cost container options, like plastic indoor house plant pots, can be scored at garage sales and thrift stores. Home improvement stores sell 5-gallon buckets for less than $3 and large plastic storage tubs, available at discount and dollar stores, are another inexpensive planting option.

There are also free containers available for the super-frugal gardener willing to ask for the plastic food-grade buckets discarded by bake shops, donut shops, fast-food restaurants and the bakery department at grocery stores. New life can also be given to black plastic nursery containers and some great deals can be found by the curb on trash day.

Other planting options include wooden barrels, window boxes, ceramic flower pots, wash tubs, even bushel baskets. Clay pots are my least favorite for planting because the soil in these dries out so much faster than in plastic containers. If planting in a terra cotta pot, try to provide some shade or plant in a plastic container hidden inside.

If you don’t like the look of mismatched containers, a can of spray paint is a quick solution for matching colors to your outdoor décor.

Plants

Just about any fruiting or rooting vegetable can be part of a container garden including snap beans, beets, broccoli, Brussels sprouts, eggplant, baby greens, Chinese cabbage, lettuce, spinach, peppers, onions, garlic and squash.

Many culinary herbs, like basil, parsley, rosemary, chives, oregano, tarragon, sage and summer savory all do well in patio pots. In fact, finding favorites to grow in containers is probably the easiest part.

Care

Use a slow release or organic fertilizer at planting time. Water frequently to keep plants from drying out and add a diluted fertilizer every few weeks throughout the growing season. Grouping the containers close together will help prevent evaporation and also give the area the look of a real garden.

Frugal Container Garden Blog

Share

Freebie Wiener Wednesday?

May 20, 2009
By

Which hot dog tastes the best? I just found that Oscar Mayer Jumbo Beef Franks recently beat the leading beef franks from Ball Park and Hebrew National in a national taste test. And to celebrate today, May 20th, Oscar Mayer is giving away up to $1 million worth of franks online.

Starting at 9 a.m. EDT, simply log on to the Oscar Mayer website for a free coupon for a whole pack of Oscar Mayer Jumbo Beef Franks.

Considering we just had Oscar Mayer franks for dinner last night (with beans, of course) and used up our stash, I could definitely use a free pack of hot dogs. How about you?

Share

The 4 Cs of Summer Cooking

May 20, 2009
By

I love to grill during the warm weather, which is why “grilled chicken” appears on our meal-planning list nearly every week during the summer. We’ll grill chicken to serve with steamed vegetables, we’ll put a piece of grilled chicken in a bun for a sandwich, or we’ll grill extra chicken one night, and then chill it to serve the next night over a bed of greens.

Speaking of chill, Kroger recently came up with this reminder about the four Cs of summer cooking, with “chill” being one of those Cs. (I used to love shopping at Kroger when I lived in Ann Arbor, Michigan)

Read on for how you can follow these four Cs and keep your family happy, healthy and well fed all summer long (cue the Kid Rock song “All Summer Long”):

1. CHILL: Keep cold foods cold
* Use a cooler or chill bag to keep meat cold on the way home.
* Set refrigerators to 40 degrees F.
* Thaw meat in the refrigerator.

2. CLEAN:  Wash kitchen surfaces often
* Wash hands with warm water and soap for 20 seconds before and after handling food.
* Wash cutting boards, dishes and utensils often.

3. DON’T CROSS CONTAMINATE: Keep foods separate when preparing them.
* Set aside fresh meat from other food.
* Keep cutting boards and utensils separate to prevent spreading germs.
* Place cooked food on a clean plate.

4. COOK:  Cook food to a safe temperature
* Use a food thermometer every time you cook fresh meat.
* Cook ground beef and pork to 160 degrees F to ensure it’s safe and delicious.

Share

Find Two Ways to Share the Wealth

May 19, 2009
By

There’s no denying that saving money is a hot topic these days. I know that most people read this blog to find out ways that they can cut down on what they spend yet still enjoy their day-to-day life. Today, though, I’d like to suggest we flip that notion on its head. Instead of focusing on saving yourself money, how about challenging yourself to find two ways that you can do something for someone else to help them cut down their spending.

What do I mean?

Take five minutes today and do an inventory of your “stuff.” Can you figure out a way to bless someone else with something you no longer need, use or want? Do you have boxes sitting in your basement, attic or garage for that “someday” garage sale?

Here are three ways I’m sharing the wealth this week:

* Putting books up on PaperBack Swap. These books came from a shelving unit in my younger daughter’s bedroom that we’d cleaned out this past weekend. She’s outgrown the books, and now I’m sending those books out to someone else for free (to them). Granted, by giving away my books, I earn points on PaperBackSwap to get free books. But I’ll just consider that a kind of book-loving karma.

* Giving away items on Freecycle. Recently, we went to my mother in law’s house for Sunday dinner (as we often do). When I brought something out to the trash, I noticed a large items sitting next to the trash can. It was a dining room table pad that my mother in law was throwing out. I’ll admit that the pad was beat up and torn in places, and that’s why she decided to buy a new one. But these pads are designed to go under tablecloths so I had a feeling that someone else might benefit from this used table pad. After getting her permission to snatch it from the trash and taking it home, I finally got around to putting the table pad up as an offer on Freecycle yesterday. Someone is coming by tomorrow to get it.

* Making in-kind donations to good causes. Once again my kids have managed to grow out of their clothing, and now I’ve got three bags of perfectly good girls pants, shirts and dresses and no one to wear them. So tomorrow I’m bringing these three bags over to the local church-run thrift store. Even though it’s called a thrift store, they actually give the clothes away to indigent families that need them. Sure, I’ll get a tax write-off for my donation, but more importantly, I’ll be allowing some girls out there to enjoy some decent clothing for which we no longer have a need.

How are you going to share the wealth today?

Share

5 Ways to Pay Less for Healthcare

May 18, 2009
By

Last week a board-certified dermatologist gave me a full body check for skin cancer. For free. That’s because I took the time to head out to a free skin-cancer check, which I’d written about in my Free Stuff Friday (now Freebie Friday) post, that Aveeno, Fitness Magazine and the Skin Cancer Foundation have sponsored. As I mentioned in my Two-Fer Tuesday post, by going for this screening, I’d saved myself $30 in healthcare costs.

Coincidentally, yesterday Parade magazine ran a story “5 Ways to Lower Medical Costs,” which inspired me to write my own post on a similar topic–especially since I walked the walk of frugal healthcare last week. So here are 5 ways I believe that you can pay less for healthcare.

  1. Find free screenings. I’ll bet you’re not surprised that I led off with this tip, especially since I have first-hand experience with how valuable–and money-saving–free screenings can be. Besides sponsored screenings like the one I attended, many other companies, stores and business offer free screenings from time to time, such as the Minute Clinic’s at CVS locations nationwide. I would recommend doing a Google search for “free health screening” to see what’s available near you.
  2. Ask for free samples at the doctor’s office. Whenever my own doctor or my daughters’ pediatrician wants to prescribe a medicine, I always ask if the doctor can give me some free samples to get me going. There have been many times where the doctor had such a large quantity of samples that I was able to get a full prescription’s worth of medicine without paying a dime for it. Or, because we were trying out a new medicine for an existing condition, the doctor wanted us to use the samples before we had to pay for a full prescription.
  3. Get yourself into a medical study. Many years ago my husband and I lived in Ann Arbor, Michigan, home to the University of Michigan Medical Center and medical school. As luck would have it, around the time we moved to Michigan, I was diagnosed with migraines. And back then, migraine medicine cost about $100 a dose. Thanks to my neurologist’s recommendation, I was able to sign up for a medical study, the payment for which was free medication for migraines. This helped me to get relief from my debilitating pain without causing any pain to my pocketbook. Do you happen to live near a major medical center or teaching university? If so, it might be worth your while to see if there are any studies going on that fit with your medical history. Who knows? You may get free medication like I did or even get paid a little extra for being a participant.
  4. Negotiate with your doctor about prices. Believe it or not some doctors are willing to give you a discount on the cost of an office visit if you agree to pay them in cash. My dentist will give us a 5% discount for any service over $500 and which is paid in cash. My daughters’ orthodontist offered us a similar discount when we paid for the girls’ braces upfront, in full and in cash. If you have a large family, see if your doctor will offer you a family discount of some sort–especially if your kids tend to get sick a lot and you’re racking up major office-visit bills.
  5. See if it’s cheaper to go without dental insurance. I know this sounds counter to most logic but consider this: my husband and I pay about $1,000 a year for dental insurance. Not counting the cost of our daughters braces (which we’ve paid for already), our out-of-pocket at the dentist for the four of us is about $400 a year. Granted, nothing catastrophic has happened to our mouths and, knock wood, it won’t in the future. But by paying this much for dental insurance, we’re in the red $600 a year. We’re seriously considering giving up our dental insurance for next year because even with twice-yearly cleanings for all four of us, we would be paying only about $600 out of pocket–a clear savings over the cost of insurance. Sure, we’re taking a gamble, but considering we have good oral health, it’s a risk we’re willing to consider.
Share

Graduation Gift Savings

May 17, 2009
By

Wondering how to handle graduation gifts this year and how much to spend? First, here’s what the National Retail Federation (NRF) expects will happen.

According to NRF’s 2009 Graduation Consumer Intentions and Actions survey, conducted by BIGresearch, 58.9 percent of Americans who will buy for graduates will fill envelopes with cash, up from 56.8 percent last year. That’s the good news. Now here’s the bad news, especially if you like to receive gift cards: just 29.4 percent will give gift cards, down from 32.2 percent last year. The survey also found Americans will spend an average of $88.01 on gifts for an average of two students, down from $99.79 last year.

OK, fine, but what should you spend on a graduation gift for someone you know? My advice has always been this: spend or give what you feel comfortable giving. For some folks $25 is more than enough for a high school or college graduation gift whereas others may feel that because of a close relationship or simply because they earn a higher salary, $75 or more might be a gift you feel more comfortable giving.

What if you’d like to spend a little less or you don’t want to give money as a gift? Well, you can always go in on a gift with someone else to split the cost. And then you can put together a “tangible” gift that fits the occasion.

For the high school graduate going off to college, put together a dorm room essentials gift for him or her. It could be a laundry basket filled with new bath towels, hangers, flip-flops or Crocs , a package of bar soap, or any other supplies that a college freshman might need in the bathroom. You could put together a similar kind of gift with study aids (highlighters, paper clips, a flash drive, all in a desktop organizer) or study snacks (microwave popcorn, gum, trail fix and more, all packaged in an oversize bowl for holding popcorn or something such).

For the college graduate going off into the real world, getting him a gift that gets him ready for work is a great choice. This could be a professional looking bag, new work clothes (if you know his or her size) or even a “commuter” gift of a subscription to the daily paper, a travel mug and maybe a gift card for morning coffee to a place like Dunkin Donuts or a gas gift card.

Keep in mind that if you are invited to attend someone’s graduation party and you can’t attend, you are not obligated to send a gift. Phew. You’ll definitely save on money that way.

Finally, if you’re the parent of a graduate looking to save money on the party you throw, check out my graduation party advice in today’s Los Angeles Times. I talk about how a party at home can be much more special (and way cheaper) than a celebration at a restaurant.

Share

Freebie Friday (May 15-21, 2009)

May 15, 2009
By

The tribe has spoken: Free Stuff Friday will forever be known as Freebie Friday from this day forward. Thanks to the poll earlier this week, 73% of you preferred Freebie Friday over Free Stuff Friday. Well, it is shorter and has better alliteration. Thanks for your feedback on the name. Now let’s get to the stuff you really want to know–what you can get for free in the coming week.

Business Know-How at No Cost

  • PRWeb is running a free online webinar on Tuesday, May 19th at 2:00 p.m. Eastern. This seminar will help explain how business owners can improve the ROI of press releases they send out to the media. Speakers include Mihaela Vorvoreanu, an SNCR fellow and assistant professor at Clemson University, and Richard Lee of Pillar Consulting Corp. who sent a single news release with PRWeb and generated $20,000 worth of business!
  • PR Newswire is hosting a free webinar on Wednesday, May 20, at 1:00 p.m. Eastern. The topic: “Hispanics are Social! The How, When & Why to Add Social Media Components to Your Marketing Communications Campaign.” This interactive discussion will address how, when and why you should utilize social media to connect with Hispanic audiences.

Free Food for Kids

Share

May Blog-a-Thon Highlights (So Far)

May 14, 2009
By

We’re already two weeks into the 2nd annual May Blog-a-Thon, in which 41 freelance writers are working hard to write at least one blog post a day in the month of May. (See the special May Blog-a-thon Blogroll for links.)

I’ve decided to highlight a handful of the participating blogs that I thought readers of Suddenly Frugal would enjoy reading.

Share

Being Green-and-Frugal During Our Renovation

May 13, 2009
By

backhoeThe backhoe showed up in our driveway last week as our home renovation finally got underway. After months spent getting a survey of our land, then architects drawings, then building permits, then brainstorming meetings with our builder, our renovation is a go.

What are we having done? Primarily we are replacing the retaining walls in our backyard, but we’re also putting a 40′ X 12′, two-story addition put on the back of the house. This will allow us to break free of our 10′ X 10′ circa 1960s kitchen and finally have a dining room that fits a dining-room table. In addition, it will give us the mudroom and entrance out to the pool that this house desperately needs.

One of our goals when we embraced frugality two years ago was to save up for this renovation. Now that we’ve attained those finanical goals, we are continuing to be pennywise with other areas of the renovation. In addition, whenever possible, we are trying to make the greenest choices. Here are some of the ways that we’re acting both green and frugal during the renovation process:

  • Composting landscaping scraps. Our builder let us know that it costs him money to haul away any rubbish from our renovation. Since he needs to clear out a lot of greenery in order to make room for building, we’re saving him (and us) money by having him compost the landscaping scraps. We have a wooded area across the street from our house, and any branches and greenery that aren’t reusable are getting tossed there. If there are any plants that could be reused, I’m either keeping them for replanting in the front yard or giving them away on Freecycle.
  • Earning interest on our renovation money. Last fall we took a big chunk of the change we’d set aside for our renovation and put it in a six-month, interest-bearing CD. We figured if we didn’t need the money right away, why would we keep it sitting in our regular bank account as liquid? Instead I researched CD rates at all of the local banks and found one offering close to 4% for a six-month CD. I just got a letter telling me that the CD, which matures shortly, has already earned more than $800 in interest. I can’t wait to see how much money we’ll have when the CD matures fully. I know we’ll be able to use this extra “found” money in the renovation somehow.
  • Making a few extra bucks on clutter. Part of the renovation will involve demolishing the back wall of our house’s second story and breaking through to my daughters’ bathroom and one of my daughter’s rooms. In preparation for that, we’ve been clearing out as much clutter from those rooms as possible. When I find something of value that I think I can make a few bucks on, I’m setting it aside so I can put an ad up on Craigslist. In addition to selling items, we now have an entire bookshelf of chapter books that my 6th grader hasn’t been interested in reading for years, and last night I put those books up for a “swap” on PaperBackSwap.com. While this doesn’t actually put any money in my pocket per se, you earn credits for free books on PaperBackSwap when you give your old books away. So now I can use the free books I can get off PaperBackSwap to supplement my book habit when borrowing from the library isn’t an option.
  • Giving stuff away on Freecycle. With all of this clutter we’ve been combing through, we’ve been dividing the stuff we find into different categories: items we can sell (see the previous bullet point), donate to charity or give away on Freecycle. As you know from my earlier Suddenly Frugal Seal of Approval for Freecycle post, I can’t get enough of this notion of keeping items out of the trash stream by giving them away to others. So as we clear out clutter to prep the house for the renovation, I will continue to set aside items that I think someone else will want via Freecyle. Eventually, when we renovate our kitchen, I plan to give away our kitchen cabinets on Freecycle as well. We can’t reuse them here, and I definitely don’t want them going to the dump.
  • Collecting loose change. I recently read a survey from Coinstar, the folks behind those machines you find in banks and supermarkets that count your change for you. This survey said that the average home has $90 worth of loose change floating around. I believe it. Just in moving furniture around this weekend upstairs, plus a little bit of cushion diving on the furniture downstairs, and checking the dryer for any “money laundering,” I uncovered $33 in crumpled bills and at least $10 in change. I try to collect loose change at least twice a year, and I’m always surprised at how much extra cash I feel like I end up with in my wallet. Next time I go to the bank, I plan to deposit this “extra” money in our renovation fund.

What are some other ways you might recommend that we think and act green and frugally during our renovation?

Share

Two-Fer Tuesday

May 12, 2009
By

Today is two-fer Tuesday on most rock stations. I found this out on my drive home from my free skin cancer screening at a Rite Aid in Northeast Philadelphia. As I was scanning the FM dial, every classic rock station I landed on was playing two-fers. The best was the two-fer from Peter Gabriel of “Solsbury Hill” and “Games Without Frontiers.”

It got me thinking that during this May Blog-a-Thon, maybe I ought to try a two-fer Tuesday approach to my blog. That’s why I’ve decided to write this second posting today. Nothing special, just some random musings on my green-and-frugal lifestyle, and two extra freebies available today only.

For starters I’m so happy that I started my Free Stuff Friday posts, or I never would have known about the free skin cancer screenings, sponsored by Aveeno, Fitness Magazine and The Skin Cancer Foundation. I got a clean bill of health, by the way, a copy of Fitness magazine (I already subscribe!) and a free sample of Aveeno sunscreen. And I saved myself the $30 co-pay I would have paid at the doctor–$15 for a visit to my primary-care physician for a referral and then another $15 when I went to the dermatologist.

Speaking of Free Stuff Friday, as you know I put up a poll on Monday about whether I should call my Friday posts Free Stuff Friday or Freebie Friday. As of today Freebie Friday is more than twice as popular as Free Stuff Friday. Unless something radical changes in the voting, I’m going to listen to my readers’ suggestions and change the name of those Friday posts to Freebie Friday. Now to research some more great free stuff that I can list in this week’s post.

One more thing on this freebie topic: if I hadn’t started to tune my radar to freebies that my readers might enjoy, I never would have picked up on this freebie occurring tonight during the finale of “The Biggest Loser”: Jennie-O turkey will be giving away a $5-off coupon for its products, plus a free recipe book, when you log onto the Jennie-O website during the broadcast (Eastern Time). Unfortunately, my local supermarket does not carry the Jennie-O products, so I can’t partake of this deal. But maybe you can.

Here’s that second freebie I said I would tell you about and which I would take advantage of if I weren’t a lifetime member of Weight Watchers: free Haagen-Dazs ice cream from 4:00 p.m. to 8:00 p.m. (Thanks Sweeties Swag for the tip-off on this offer.)

Share

10 Money Topics to Discuss Before Taking the Plunge

May 12, 2009
By

With a dozen wedding books under my belt, I guess I shouldn’t be surprised that magazines continue to come to me with assignments to write about, what else, weddings. Most recently I finished two stories for Main Line Today on planning a wedding on a budget; last year I did two stories for the same magazine on bridal showers. People often write to me for advice on wedding etiquette, and I’m often on the receiving end of great information from national companies.

Just last week Wells Fargo sent along these tips on the top 10 money topics to discuss before before you take the plunge. I hope you find these tips helpful.

  1. Determine your credit philosophy. Are you a saver or a spender? What style of life would you like to have? Figure out how you are going to live with your companion’s spending philosophy and come to an understanding of joint financial priorities.
  2. Create a budget and stick to it.  Sit down and decide how much money you’ll allocate monthly to necessities vs luxuries and how much you’ll need to save for the big purchases.
  3. Deal with debt. Like it or not, once you’re married, your spouse’s debts can become your problem. Find a way to pay down the debts as quickly as possible, and without any late payments.
  4. Check out your cash reserve. Figure out how much you need to set aside for an emergency situation (e.g. unemployment, catastrophic health situation, etc.)
  5. Coordinate investment strategies. Discuss each person’s appetite for risk. Is one of you a  more conservative investor than the other? Better find out now.  Talk about your investment goals and time frames. Whatever your investment choices, review your investments together at least once a year and make sure that overall your investments are allocated appropriately based upon your joint risk tolerance and financial philosophy. The younger you are, the riskier your investments can be. Conversely, the older you are, the more conservative your investment approach should be.
  6. Uncover your net worth. Figure out what assets and liabilities you both have. Make sure that specific items (e.g. engagement ring, art, etc.) are insured and  listed at their fair market value.
  7. Figure out your future housing plans. Figure out if you want to rent vs own and how you are going to work toward that goal.
  8. Talk about your tax filing options. April 2010 will be here before you know it, so figure out ahead of time what makes the most sense for you as a married couple – to file jointly or separately. Certain factors such as the particular state you live in as well as each spouse’s income may make filing either jointly or separately more advantageous.
  9. Establish your estate planning plans. Make sure to have a will in place as well as designated beneficiaries for various accounts, such as pension and life insurance.
  10. Have a conversation about healthcare considerations. Develop a plan should your spouse become critically disabled. Discuss provisions to be included in a Health Care Power of Attorney as well as a Durable Power of attorney which enables your specified agent to make financial decisions for you in case you are incapacitated.
Share

Freebie Survey Take Two

May 11, 2009
By
Share