Monthly Archives: November 2009

Don't Be Stupid (and Get Sick) By Being Frugal

November 30, 2009
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Did you know that turkey leftovers are good for four days only? That means that if you have anything still in the refrigerator from Thanksgiving, it should hit the trash today. Or the compost pile, as long as there’s no meat, bones or dairy. (If you managed to get your leftovers into the freezer, you should consume them in the next two to six months.)

Wonder what other kinds of leftovers or food staples you might need to throw out to avoid food poisoning? I did a story a few years ago on how to figure out when to toss your cookies (or canned goods) so you don’t end up tossing your cookies. Here are some highlights from that story, which are apropos given today’s expiration date on Thanksgiving leftovers.

  • Dairy products: go by the expiration date–or your senses. If your milk or yogurt doesn’t look or smell right, get rid of it.
  • Lunch meat: three to five days. Or as soon as it seems slimy or just plain “off.”
  • Fresh fruits and vegetables: you’ll know it when you see it, such as when mold is growing or a previously solid piece of produce has turned to liquid!
  • Take-out food or leftovers: toss after four days. This includes the aforementioned Thanksgiving turkey and trimmings, as well as takeout food like pizza or Chinese.
  • Eggs: three to five weeks or if they smell rotten.
  • Opened jar of sauce or salsa: use within a week or before bacteria can begin to grow.
  • Canned goods: follow “use by” date or toss immediately if you see that the can has expanded in any spot (this could signal botulism inside). Dents inwards are harmless dings; “dents” outwards are a sign of a canned good past its prime.

Whenever possible recycle the container your expired food came in. This includes taking cardboard egg cartons, ripping them into small pieces and putting them in your compost bin, or rinsing out jars, bottles and cans so they can go into the recycling bin.

Remember: there’s no reason to be stupid–and risk getting food poisoning–by being frugal and trying to get another day’s meal out of food that you really shouldn’t be eating at this point.

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Cyber Monday Deals of the Hour

November 30, 2009
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Looking to score a deal on Cyber Monday? Here is a list of retailers that will be offer “deals of the hour” today (this information is courtesy of the National Retail Federation):

All Times Are Eastern

8:00 – 9:00 a.m. Toys “R” Us

9:00 – 10:00 a.m. Dell Home

10:00 – 11:00 a.m. Overstock.com

11:00 – 12:00 p.m. The Home Depot

12:00 – 1:00 p.m. Sears

1:00 – 2:00 p.m. drugstore.com

2:00 – 3:00 p.m. Kmart

3:00 – 4:00 p.m. HP Home

4:00 – 5:00 p.m. Borders

5:00 – 6:00 p.m. eToys

6:00 – 7:00 p.m. Sierra Trading Post

7:00 – 8:00 p.m. American Eagle

8:00 – 9:00 p.m. Discovery Store (part of the Discovery Channel)

9:00 – 10:00 p.m. Cabela’s

10:00 – 11:00 p.m. The Body Shop

11:00 – 12:00 a.m. Red Envelope

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Countdown to a Frugal Holiday: Shopping Portals

November 30, 2009
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Today is Cyber Monday, and according to the National Retail Federation, 96.5 million Americans will log on to do some kind of shopping. While that’s hardly the number that braved early hours and freezing temperatures to score deals on Black Friday (195 million shoppers), it’s a pretty significant group that will be online today.(Wonder how many websites will freeze up or crash because of this?)

That’s why I wanted to remind you that if you do shop online–today, tomorrow or whenever–you might want to consider using a shopping portal. These are the kinds of sites that you visit first, then click through to whichever retailer you’re looking to buy from–and in the process you earn cash back or extra discounts.

There was a recent story in the New York Times called “Site-Hopping for Holiday Savings” that highlighted some shopping portals and how they can help make your dollar go further this holiday season. Here are a few of those mentioned in the story:

  • Ebates is basically a free service that allows you to get electronic “rebates” by stopping there first to do your online shopping. According to Ebates online retailers want your business and will pay Ebates a “commission” for directing traffic to their sites. When Ebates gets such a commission, it splits it with the shopper (you!). Truth is you get that cash in the form of a gift card and then you have limited choices. But it’s worth checking out.
  • Upromise rewards you for going shopping through its site by putting money aside in your kids’ college savings account–a 529 plan. Supposedly you can earn up to 25% back on your purchases when you visit one of the 600 participating retailers.
  • Fatwallet lets you earn cash back for your purchases and helps you to earn coupons to use on future purchases. Some of its participating e-tailers include Walmart, The Apple Store and Bloomingdales.
  • Credit card-specific sites. Many credit cards that already offer you benefits, like earning gift cards to your favorites stores, allow additional ways for you to earn cash back–namely shopping through their online sites. According to the New York Times stories, American Express, Discover, Bank of America and Chase have shopping portals customers can use. (Wish I’d known this before we did all of our Black Friday shopping online Thursday night–we have two Chase-issued cards!)

On the other end of the spectrum are third-party sites that let you earn points you can cash in for stuff, just by visiting their site first–you don’t have to be going to another site to shop. For example, I have a couple of Facebook friends who use the site Swagbucks.com–I know this because whenever they use the site, it gets posted to their status update.

Here’s how Swagbucks works: when these folks need to search for something on the web, they visit the Swagbucks website first (instead of going right to Google or Yahoo) and then they earn Swagbucks “points” for each search they do. Eventually, they can cash their points in for items on Swagbucks, such as gift cards to iTunes or Barnes & Noble.

Do you use shopping portals to earn extra benefits? If so, let us know how they work for you–and if you know of other sites that are worth mentioning.

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Countdown to a Frugal Holiday: Decorative Lights

November 30, 2009
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So what are the chances that you began decorating your house for the holidays right after Thanksgiving? I know that many families go out and get a tree once the turkey is eaten and the dishes cleaned, and if you’re one of them, here’s some food for thought: one of the biggest energy hogs at the holidays is your holiday lights. In addition, these lights can pose a fire risk.

So let’s say you’re in the market for new holidays lights: here are four ideas that show how going green with your holiday lights can save you green:

  1. For starters if you want to dispose of your old, broken holiday lights, did you know that you can recycle them like you do your CFL light bulbs? Why not take them to Ace Hardware, which will accept traditional, incandescent holiday lights for recycling between November 23, 2009 and February 15, 2010. Participating stores will also offer discounts on the purchase of new energy-efficient LED light sets for consumers who bring in incandescent lights for recycling. Local Ace Hardware stores are partnering with Lights For Life, a non-profit organization that recycles the used lights and sells the copper components to raise money for children with cancer. Last year, Lights For Life collected nearly three tons of lights.
  2. If you do end up buying new holiday lights–with a discount at Ace or at another store–consider purchasing LED holiday lights. (A new GE Holiday Lighting Survey says that pre-lit LED lights are the lights of choice this holiday season.) According to the Alliance to Save Energy, LED (Light Emitting Diode) lights have a bunch of “green” benefits. They use 10 times less energy than incandescent mini-lights and 100 times less energy than standard bulbs, they last more than 50,000 hours, and you’ll likely not to have to replace or recycle them for a long time since they’re virtually indestructible. Here’s the part I like: if one bulb does burn out, the other bulbs will stay lit, so you can easily replace only the bad one.
  3. To further maximize holiday lighting savings, use timers to limit light displays to no more than six evening hours a day. Leaving lights on 24 hours a day will quadruple your energy costs–and create four times the pollution.
  4. On the safety side, be sure that you use indoor lights, well, indoors only and lights designed for outdoor use outside the house only. I know–it sounds like a no-brainer but many people make this mistake, and that’s how fires start. According to Underwriters Laboratories–the folks that put that “UL” on safe electrical items–indoor-use only light strings are marked with UL’s green holographic label. Indoor or outdoor-use light strings are marked with UL’s red holographic label.

I love the look of twinkle lights and wish we could have them around the house all year long. But after writing this post, at least I have a better idea on how not to blow my frugal budget by using the wrong lights or leaving them too long.

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Freebie Friday (November 27-December 3, 2009)

November 27, 2009
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How is it possible that December is around the corner? Didn’t the school year just start? Even though I posted a slew of Black Friday Freebies yesterday, I figured you wouldn’t mind some additional freebies to get your holiday season started. Check out what’s free for you in the coming week!

City-Specific Freebies

Free Food

Gratis Gifts–and Gift Cards

  • Get a free Photo Book from Photoworks, courtesy of The Bonnie Hunt Show. Just type in the code “BONNIE” when you check out. If you’re one of the first 25,000 people to use this offer, your entire gift of a photo book–for yourself or someone on your list–will be free! (Thanks to Gather.com for the heads up on this free offer.)
  • You can earn free gifts cards to Sears when you participate in its new electronics recycling program with Gazelle.com. The new program is providing practical, responsible, rewarding ways for consumers to get value for used, working electronics, and gives customers the flexibility to trade-in unwanted gadgets from more than 20 product categories, including cell phones, laptops, MP3 players and digital cameras. Electronics items that no longer work will still be accepted at no cost for recycling, but consumers will not receive value for these items. That’s still cool since many stores charge you a service fee to recycle your electronics.

Wifi That Won’t Cost You Anything

  • Delta Airlines has joined the free wifi fray. It announced an agreement with eBay, the world’s largest online marketplace, to provide complimentary Gogo Inflight Internet service to customers traveling on all Wi-Fi equipped flights from Nov. 24-30.
  • Visiting Times Square over the holidays? Well, don’t worry about paying or Wifi service so you can check your email. Yahoo is offering free Wifi in Times Square for the next year.
  • Google is sponsoring free Wifi in 46 airports nationwide. Unfortunately, Philadelphia, the main airport I use, is not included in the list of participating airports. You can check it out in this Gizmodo.com article. Maybe your nearby airport is?

Free Shipping
Lots of retailers are attempting to inspire shoppers to buy online by offering free shipping this holiday season.

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Black Friday Freebies

November 26, 2009
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I’m posting these Black Friday Freebies a day early so you can plan accordingly to get as much free stuff on Black Friday as possible. And, according to the National Retail Federation, about 134 million shoppers are going to be on the prowl for Black Friday deals tomorrow. So why not score some a Black Friday freebie or two as well? Oh, and Happy Thanksgiving.

Free Gift Card

  • BookSwim (the Netflix for books) is offer the follow Black Friday deal: use the coupon code FREEGIFT10 to send all of your friends, family, coworkers, and service people in your community a holiday e-greeting–for free–from BookSwim and include a $10 gift card free to them (and to you!). You may send as many of these freebies as you’d like.
  • Harley-Davidson/Buell of Fort Myers, Harley-Davidson of Naples (both in Florida) and Thunderbird Harley-Davidson Buell in Albuquerque, NM are offering a free $25 gift card to the first 100 customers to visit their stores on Black Friday. The Florida locations will open at 6:00 a.m. and the New Mexico location will open at 7:00 a.m.

Free Food

Free Reusable Totes

Free Stuff with an Order (including Free Shipping)

  • PearlsOfJoy.com, a leading online retailer of cultured pearl jewelry, is giving away a pair of earrings with each order over $100 on Black Friday only!
  • Student at the Wheel is giving away a free Student at the Wheel window decal with every Student at the Wheel magnet or window cling purchased on Black Friday!
  • On Black Friday Brookstone customers spending $75 or more will receive a free n.a.p Luxe Cuddle Bear or Pup ($30 value).
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Free Coffee from Dunkin Donuts

November 25, 2009
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Wish I’d known about this freebie for last week’s Freebie Friday round up–it’s good for today only and for United States Postal Service workers only. So here’s the deal.

Dunkin’ Donuts is delivering a very special gift to the men and women who deliver our holiday cards, catalogs and presents. Today only, Wednesday, November 25, Dunkin’ Donuts will serve free coffee to any United States Postal Service (USPS) letter carrier. Any USPS letter carrier that is wearing an official uniform or shows their union card identification can visit participating Dunkin’ Donuts restaurants throughout the country for a free coffee, any size. No additional purchase is necessary.

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Countdown to a Frugal Holiday: Free Turkey

November 25, 2009
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Let’s talk turkey–the go-to dish for Thanksgiving. Any chance your local supermarket offers the chance throughout the fall for you to earn points towards a free turkey? If so, make sure you cash in that free offer before it expires–even if you’re not cooking on Thanksgiving.

Even though my mother in law is treating us to a meal out on Thanksgiving, you can bet that I didn’t let my free turkey pass me by. In fact, I cashed in that “coupon” this past weekend and guess what? The turkey I got was worth $34! That’s not chump change. My plan is to save it for Christmas or some other meal over the winter. But I wasn’t about to let a free offer like this pass me by.

I know that my free turkey coupon would have expired towards the end of the month. What about yours? Don’t just file that coupon away and forget about it, because you’ll be missing out on free food. However, if you’re vegetarian or just don’t have any desire to cook or eat turkey, why not take your coupon or the free frozen turkey itself and donate it to your local food pantry. I’m sure the folks there would appreciate the free turkey and will put it to good use.

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Additional Free Swine Flu Vaccine Clinics in PA

November 24, 2009
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I wrote last week about the free swine flu shots that Pennsylvania residents could get through Department of Health clinics held last weekend. I drove to Allentown on Saturday to get mine; the lines were so long that one kid standing with his mom behind me asked, “Are we going on a ride?” Since Dorney Park was just down the road, I could understand his confusion.

Those clinics were “sold out,” if you were, so the Pennsylvania Department of Health has announced three more free H1N1 vaccine clinics today, Tuesday, November 24th and tomorrow, Wednesday, November 25th, in Delaware, Lancaster and Lehigh counties. Here are the details:

To qualify for a free shot, you must fall into one of the following groups:

  • individuals between the ages of six months and 24 years
  • household contacts and caregivers for children younger than six months
  • pregnant women
  • healthcare providers and emergency medical services personnel
  • those under 65 years of age with underlying health conditions, such as asthma, diabetes, suppressed immune systems, heart disease, kidney disease, and neurocognitive and neuromuscular disorders.

While the clinic is free, you must make an appointment by by calling 1-877-PA HEALTH (1-877-724-3258) between the hours of 7 a.m. and 7 p.m. Lines are limited. (Note: Online registration is NOT available for these clinics.)

Tuesday’s clinic hours are from 9 a.m. – noon and 1 p.m. – 4 p.m. Hours on Wednesday will be from 9 a.m. – noon and 1 p.m. – 3 p.m. Clinics will be held at the following locations:

Delaware County: Suite 1, 151 West Fifth St, Chester 19013

Lancaster County: 1661 Old Philadelphia Pike, Lancaster 17601

Lehigh County: Suite 206, 3730 Lehigh St. Whitehall 18052

Those registering for these clinics should download an H1N1 vaccine consent form, fill it out in advance and bring it with them.

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Tipping in Today's Economy

November 24, 2009
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Last year I chose not to give out tips to the individuals I normally would have tipped at the holidays–trash collector, postal service person, newspaper delivery dude–as a way to save money. I even avoided getting a haircut–or getting my kids’ hair cut–near the holidays so I wouldn’t have to add in a big tip to the 20% I already give.

Seems I wasn’t alone in being somewhat Scrooge about tipping last year. According to the Consumer Reports National Research Center, during the 2008 holidays, fewer people than in the previous year tipped their newspaper carrier, barber, mail carrier, hairdresser, manicurist, and garbage collector.

I know I thought the economy was bad last year, which is why I cut back–and felt guilty about it, for sure–but I’ve got to say that I feel like it’s worse now. In fact, another Consumer Reports survey conducted in October 2009 shows that the downward trend might continue: 26 percent of Americans who usually tip or give a gift to a service provider said they would spend less this holiday season than last. (Gee, what’s less than zero?) Just 6 percent said they planned to spend more.

Wondering what other people spend on tipping?

Fifty-eight percent of people tip their house cleaners (who can afford to keep a house cleaner?), averaging about $50 or an equivalent gift per tip.

The people tipping their manicurist (again, do your nails at home) give $10 whereas pet-care providers get $25, down from $30.

Most other people give tips of anywhere from $10 to $40 to their child’s teacher, the mail carrier, lawn-care crew  (not gonna comment….) and garbage collector. I know people who live in apartments have doormen and superintendents to worry about tipping, too.

If the tipping budget is tight this upcoming season, Consumer Reports experts recommend saying thanks with a card or a homemade gift. I think baked goods are always welcome though with the trash collector, I might just hand out $10 to each guy–I wouldn’t want to encourage them to eat any cookies if they can’t wash their hands first.

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Countdown to a Frugal Holiday: Layaway Plans

November 23, 2009
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For the next month, I’m going to be writing a series of occasion frugal living posts that fall under the heading “Countdown to a Frugal Holiday.” In each post I’ll highlight one way that you can save money this holiday season. I figured in today’s economy, we can all use some new ideas to stretch your dollar further–or reminders about tried-and-true methods for getting the most bang for your holiday buck.

This year it seems like a lot of consumers are going to be keeping their credit cards in their wallets and paying with cash instead–at least that’s what the National Retail Federation has found in its recent surveys. In fact, a whopping 71% of us plan to use cash or debit cards to pay for holiday gifts. That’s great because it means folks will be shopping within their means and they won’t be entering into 2010 heavy in debt.

An old-fashioned method of shopping within your means that has come back into fashion is the layaway plan. (I wrote a blog post last year about what to expect when using layaway.) A handful of stores have reintroduced this concept, where you put money down on something you want to buy–and then you pay in small increments until you’ve paid the entire price for the item and then you can take it home. In today’s “I want it now” society, this concept seems downright archaic, but it’s an excellent way to keep yourself on budget.

I started seeing commercials for K-Mart’s layaway program a few weeks ago. In addition to K-Mart, you can expect to find layaway programs at the following stores, too:

Is layaway something you’re considering to keep yourself on budget this year?

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Freebie Thanksgiving Friday (November 20-26, 2009)

November 20, 2009
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I’ve tried to find as many Thanksgiving freebies as possible this week. Gobble, gobble!

City-Specific Freebies

  • Starting January 1, 2010 Washington, DC will charge residents 5 cents per plastic bag they take when shopping. (IKEA already does this.) To help Washingtonians stock up on reusable bags, the city will be giving away more than 120,000 free market bags in the next few months.
  • Enjoy free ice skating at New York City’s Bryant Park!
  • Detroit-area families that need coats for their kids, take note: Happy’s Pizza and Greater Grace Temple have joined forces in “Happy’s Coats For Kids” Winter Coat Giveaway. They’ll provide 4,000 “FREE” warm winter coats for Detroit-area youngsters on Wednesday, November 25, from 3 p.m. to 6 p.m. at the New Rogell Golf Course, 18601 Berg Road in Detroit. The coats are for youngsters 3 – 13 years of age. Financially strapped parents must present a voucher to receive a coat. These vouchers are absolutely FREE and can be picked up from any Happy’s Pizza location found throughout the Greater Detroit-area or at the Greater Grace Temple Bookstore, (City of David) 23500 W. 7 Mile Road in Detroit. Sizes (2T – 2X Large) based on availability. For information, just stop in at your local Happy’s Pizza and ask about “Happy’s Coats For Kids,” or call Greater Grace at 313-543-6000.

Free Flu Shots

Free Food

  • Enjoy a free hot chocolate or free coffee on November 26th until noon, courtesy of the Detroit People Mover. Look for the DPM “Family / Patron Station” inside Angelina Italian Bistro, 1565 Broadway in Detroit, on the first floor of the old Madison Theater Building and across from the Detroit Opera House.
  • Double your pleasure, double your fun? How about double your freebies? Now Boston Market lets two kids eat for free on Saturday and Sunday. Good for kids 14 and younger (yeah, mine qualify) and until January 31, 2010. You know I’ll be repeating this freebie in Freebie Friday postings for the next few months–you know, just in case you forget and all.
  • Don’t forget that kids eat for free at Denny’s on Tuesday nights–and in some locations on Saturday, too.
  • If you join the Dairy Queen DQ Blizzard fan club, you’ll get a coupon for a free DQ Blizzard. Yum. (My fave is the coffee Heath bar blizzard.)

Gratis Gift Cards

  • You can earn free gifts cards to Sears when you participate in its new electronics recycling program with Gazelle.com. The new program is providing practical, responsible, rewarding ways for consumers to get value for used, working electronics, and gives customers the flexibility to trade-in unwanted gadgets from more than 20 product categories, including cell phones, laptops, MP3 players and digital cameras. Electronics items that no longer work will still be accepted at no cost for recycling, but consumers will not receive value for these items. That’s still cool since many stores charge you a service fee to recycle your electronics.

Wifi That Won’t Cost You Anything

  • Delta Airlines has joined the free wifi fray. It announced an agreement with eBay, the world’s largest online marketplace, to provide complimentary Gogo Inflight Internet service to customers traveling on all Wi-Fi equipped flights from Nov. 24-30.
  • Visiting Times Square over the holidays? Well, don’t worry about paying or Wifi service so you can check your email. Starting a few days ago (November 10th), Yahoo began offering free Wifi in Times Square and will do so for the next year.
  • Google is sponsoring free Wifi in 46 airports nationwide. Unfortunately, Philadelphia, the main airport I use, is not included in the list of participating airports. You can check it out in this Gizmodo.com article. Maybe your nearby airport is?

Free Shipping
Lots of retailers are attempting to inspire shoppers to buy online by offering free shipping this holiday season.

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Free Swine Flu/H1N1 Vaccines

November 18, 2009
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H1N1 Vaccine Clinic at Our Local Middle School Last Week

Finding someplace to get vaccinated against swine flu this year has become the proverbial needle in the haystack. Heck, just finding a doctor’s office or clinic with the regular flu vaccine is a challenge in and of itself. But here’s the good news: your state or county may be your best bet for getting an H1N1 shot–and for free, too.

Last week the Bucks County Department of Health had a swine flu vaccine clinic in our school district. It was a well-organized, swiftly run operation in the middle school gym that, in the course of three hours, got 750 school-aged children–mine included–vaccinated against the H1N1 virus. (That’s my daughter Annie, above, getting up after her shot. Notice the blur: she wanted out of there fast! And we were in and out in about 10 minutes.)

Considering that our small district only has about 1,300 kids in total, that’s a pretty impressive number of people who were able not only to get their kids vaccinated but also who didn’t pay a dime for it. The price of admission? A signed consent form.

I just discovered that the Pennsylvania Department of Health is having free swine flu shot clinics November 20, 21, and 22 for individuals that fall into a high-risk category. As someone with asthma, I qualify for a free shot and am in the process of making an appointment online for one of these clinics. The only downside? I’ve got to drive about an hour to a location in the next county to get the shot. But considering I’ve been calling my primary care physician’s office regularly and they still don’t know if they’re getting any H1N1 vaccines for patients like me, I’ll take the shot where I can get it.

If you have decided to get vaccinated against swine flu but haven’t been able to find somewhere to get that done, have you considered checking with your state or local government? Let me know if that works out for you.

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Frugal Holiday Traditions

November 17, 2009
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Sears just released a new survey about family traditions at the holidays. Its sentiment was really sweet, which is why I’m highlighting some of its findings in this blog posting:

  • During challenging economic times, 90 percent of Americans become more focused on celebrating family traditions as well as creating new ones
  • 18 percent of Americans plan to develop new traditions, such as using a grab bag or secret Santa approach to gift giving (I would love it if my family embraced this idea.)
  • 25 percent are buying an artificial tree rather than a real one. (We made this decision two years ago when we came to realize how much money a live tree costs. Plus, if your town doesn’t have a Christmas tree recycling program–and you have no place to mulch the tree–it just ends up in a landfill.)
  • 43 percent are asking their guests to bring food to the festivities so costs are shared (love the potluck approach)
  • 63 percent are setting spending limits on gift giving.

What about you? What kind of traditions are you creating or keeping this holiday season?

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What Kind of Frugal Consumer Are You?

November 16, 2009
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One of the outcomes of this recession–beyond the obvious–is that consumers now fall into four different categories, so says a new study entitled “Marketing to the Post-Recession Consumers,” by the marketing strategy and research firm Decitica. Those categories are:

  1. Steadfast Frugalists
  2. Involuntary Penny-Pinchers
  3. Pragmatic Spenders
  4. Apathetic Materialists

Here’s a little more about what makes someone adopt one of these four monikers.

Steadfast Frugalists
Steadfast Frugalists are committed to self-restraint, engaging in prudence with unequivocal enthusiasm. They make up about one-fifth of the American consumers, representing all income and age groups. Researchers found that these folks were the least brand loyal and most likely to discount marketing messages. Eighty-percent of Steadfast Frugalists say the new behaviors they have adopted will likely stay with them for a long time.

Involuntary Penny-Pinchers
Involuntary Penny-Pinchers (about 29% of the population) have been severely affected by the recession. They are mainly made up of households with less than $50,000 in income, with more women than men. They feel forced to embrace thrift, and, not surprisingly, the recession has had a heavy emotional impact on these Involuntary Penny-Pinchers; they admit to being more scared (77%), stressed (81%) and worried (87%) about the future than other groups.

Pragmatic Spenders
Researchers believe that Pragmatic Spenders (29% of the population) are the most attractive group for marketers because of their higher spending power, even though they have, in fact, curbed their spending in recent time. What makes them different from the other three kinds of consumers is that they are the most capable, both psychologically and financially, to willfully resurrect their past spending patterns. Only 28% of Pragmatic Spenders feel the recession has changed what and how they will buy in the future, compared to 55% of Steadfast Frugalists.

Apathetic Materialists
Apathetic Materialists seem to be the least changed by the recession. They have not embraced the new frugality to the same extent as others. More men (55%) are apathetic materialists as are Gen X and younger folks (72% are younger than 40). These folks are the least driven by price: only 8% admit to being very focused on value compared to 30% of Pragmatic Spenders and 52% of Involuntary Penny-Pinchers.

So, given this information, I’d say I fall somewhere in between a Pragmatic Spender and a Steadfast Frugalist. What about you? Which category or categories would you put yourself into and why?

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Freebie Friday (November 13-19, 2009)

November 13, 2009
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Hoping to track down some awesome Thanksgiving freebies I can share with you in the next few weeks. Stay tuned. In the meantime check out these latest free offerings!

Free Food

Gratis Gift Cards

  • You can earn free gifts cards to Sears when you participate in its new electronics recycling program with Gazelle.com. The new program is providing practical, responsible, rewarding ways for consumers to get value for used, working electronics, and gives customers the flexibility to trade-in unwanted gadgets from more than 20 product categories, including cell phones, laptops, MP3 players and digital cameras. Electronics items that no longer work will still be accepted at no cost for recycling, but consumers will not receive value for these items. That’s still cool since many stores charge you a service fee to recycle your electronics.

Wifi That Won’t Cost You Anything

Free Shipping
Lots of retailers are attempting to inspire shoppers to buy online by offering free shipping this holiday season.

Stories at No Cost

Borders stores nationwide are hosting a series of free holiday-themed storytime events for kids of all ages beginning with the “Fancy Nancy: Splendiferous Christmas” storytime this Saturday Nov. 14 at 11 a.m. Also free: coloring activities, drinks and pastries–and Wifi, too.

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Some of My Latest Media

November 12, 2009
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Here are links to stories that I’ve recently written–or which others have written and quoted me–which I thought Suddenly Frugal’s readers would enjoy. Many of them include budget-oriented advice.

Free Entertainment at the Dinner Table
This story for Vocalpoint.com, the P&G website for women, shows how you can find free entertainment at the dinner table by engaging your kids in verbal games. And yes, we’ve played these during the dinner hour at my house. (This is one of the many unbylined pieces I do as a freelance writer.)

House-Guest Etiquette in Time for the Holidays
Every wondered how you should handle hostess gifts when you’re a house guest? This article from the Philadelphia Inquirer includes my etiquette advice on why you should never show up at someone’s home empty handed.

Keeping School Holiday Costs in Check
While this piece on how parents can reign in school spending around the holidays doesn’t include my advice directly, it does recommend Suddenly Frugal as a website readers might want to visit for frugal-spending advice. Hey, I’ll take it!

When to Clean Out the Pantry
And I don’t mean in order to throw together dinner. No, this unbylined piece for Vital Care, a magazine for the American College of Emergency Physicians, offered advice on how to know when food you have in your fridge or pantry has spoiled so you don’t a) eat it and b) end up in the ER with food poisoning.

Savvy Shopping Advice
This blog for business writers recommends Suddenly Frugal in a piece about free shipping offers for the holidays. (Note: I’m going to be tackling this topic in tomorrow’s Freebie Friday post.)

Let me know if you happen to have seen me quoted elsewhere!

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More Ways to Save for Thanksgiving

November 11, 2009
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Monday’s post on Thanksgiving savings was so well received that I thought I’d bring you more ideas on how to save money on Thanksgiving–and other holiday “trimmings.” Luckily, the folks at CouponShack sent over a tipsheet with 10 terrific ideas on how you can stretch your dollar further on Turkey Day. Let me know what you think and if you have any additional tips to share.

  1. Check to see if your local grocery stores offers loyalty points that can redeemed for a turkey. (Note: I’m working on including a free turkey part–pun intended–for the upcoming Freebie Friday post.)
  2. Price compare the dollar stores first before grocery shopping.
  3. Cook with crockpots. They consume less energy. (costs about 2 cents an hour) Checkout Cooking.com for some great coupons and deals on crockpots as well as other house wares.
  4. Shop for grills and smokers before Thanksgiving week. You can find the best deals in the weeks leading up to Thanksgiving.
  5. If you need new tires before hit the road, now is the best time for deals on standard tires. (Winter tires are a different story.)
  6. If you are flying to your destination for the holidays, flights are usually cheaper if you come back on Sunday morning rather than Saturday evening. Look for early booking coupons from discounters like Travelocity, Expedia, and Orbitz.
  7. Go ahead and lower the thermostat right before people arrive for Thanksgiving dinner. There is a lot of heat generating not only from cooking but also from all the warm bodies! (What a clever, yet no brainer, way to save energy and money–and keep cool while cooking!)
  8. If you buy soda, get two liter bottles (or three liters) instead of cans. The same idea applies for cranberry, stuffing, and all your other fixings! Just make sure to compare the unit price before committing to the purchase.
  9. Create your shopping list first, and then check the mailers, inserts, or CouponShack.com for grocery coupons. Shop only when you see a deal for an item on your list.
  10. If you are going to have a turkey for Christmas too, go ahead and get it during the Thanksgiving holidays and freeze it. Turkeys are cheaper during Thanksgiving than Christmas. (Love this tip, too!)
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Last-Minute Veterans' Day Freebie

November 9, 2009
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Found out about this delicious freebie after I’d written Friday’s post.  Doughnut lovers, take note: Krispy Kreme Doughnut Corporation is honoring America’s service men and women on Veterans Day by giving away free doughnuts to all veterans and active military personnel. Veterans and active military personnel are invited to visit any participating U.S. Krispy Kreme store on Veterans Day, November 11, and enjoy one free doughnut of any variety. I realize that a free doughnut is a small gift for the service the military provide to our country, but I’m sure people will agree with me that, nonetheless, we appreciate the hard work they do.

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6 Thanksgiving Savings Tips

November 9, 2009
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Butterball Turkey with 7-Grain Bread and Squash StuffingFigured a little advice on how to save on your Thanksgiving meal wouldn’t hurt, now that we’re less than three weeks from that big day. So here are 6 tips to consider, courtesy of Butterball–you know the folks who run that 24/7 turkey-cooking, question-answering help line for befuddled cooks who use their oven only once a year. (That number, in case you need it, is 1-800-BUTTERBALL.)

  1. Click and Clip to Save: Coupon usage is on the rise, and starting in November, families can visit Butterball.com for $2.00 off a fresh or frozen Butterball turkey while supplies last.
  2. Turn One Meal into Many: One of the best things about Thanksgiving is leftovers, so make the most of your turkey this year. A 12-pound turkey can generously feed a family of eight with plenty of leftovers.
  3. Cook from the Pantry: With 68 percent of Americans cutting spending on non-essential grocery items, selecting recipes based on the ingredients already in your pantry, spice rack or refrigerator is a smart way to save. Look for recipes that don’t call for any fancy (and expensive) spices–have you ever priced saffron? Ouch!
  4. Pick Vegetables Wisely: Frozen and canned vegetables can often be more affordable than the fresh varieties, and still offer the same nutritional value. If you do need to purchase fresh produce, select vegetables that are in season, which, as we all know, are often less expensive. See if any of your local farmer’s markets are still open for the freshest produce possible. Some in-season–and affordable–items to consider adding to your Thanksgiving menu include sweet potatoes and squash.
  5. Go Potluck This Year: Encourage guests to bring their favorite side dishes, drinks or desserts to cut down on costs.
  6. Shop Smart: Buy non-perishable items months in advance when they are on sale. Try freezing leftover hamburger and hot dog buns during the summer and use them for the stuffing come November. To prepare for next year’s get-together, purchase Thanksgiving-themed tableware and decorations immediately following the holiday when these items are on sale. (My grocery store is doing tons of 10 for $10 deals right now so I’m am absolutely stocking up on stuff I can freeze and use later, like bread.)
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