Friday, March 20, 2009
Thursday, March 19, 2009
My brain has been on Spring planting lately. I've got my seed catalogs and need to start getting ready to plant.
That leads to my tip of the day:Make your plans before you buy anything. Make a drawing of the way you want your yard to work so it will give you an idea of how it will look. This will help you know exactly what you need and you can decide where to get it by keeping an eye on the sales, yard sales, and don't forget to check thrift stores and the google group Freecycle. This way you can plant your landscape or garden with minimum cost.
Have a great day everyone.
Wednesday, March 18, 2009
If you are lucky enough to live close to your family then consider sharing a resident. That's right share one home instead of two. Think of how much you can save by doing this. There will be no duplicate purchases. One couch instead of two, one TV, video game system, dining table, set of pans for cooking, etc etc and on and on. There is also only one set of bills Heat, electric and if you want cable TV you could get all the extras and still pay less then if you were paying for it in two houses. This also means more money into savings and more people to keep an eye on the kids (Lets face it most kids are not getting enough adult supervision)
Now I know what your thinking....... NO WAY we would be fighting day and night.... Well this is something else we have lost through the insistence of personal independence... The art of compromise. It is so easy to move away from the problem that we no longer face them and it is something we pass on to our kids.
Now don't get me wrong I am not saying this would be an easy thing to do. It would take a lot of discussion.....Who's house do you use... (assuming both parties have their own) Do you sell both and buy one that is big enough to house both families. How about the kids do you give the boys one room and the girls another or do you make sure that each families kids have their own rooms? Who does which chores ? Who pays which bills... do you make a joint bank account where all working parties deposit money to pay the bills and for emergencies.... If you buy a house together how do you split it if you life forces you to separate?
For the money matters I suggest you put in writing how you are going to do it and how you will handle splitting things up later.
With things getting tight all over ( and yes I think things will get worse before they get better) it is something worth considering.
Tuesday, March 17, 2009
I hope everyone remembered to wear some green today or......PINCHY PINCHY PINCHY LOLIf not then here is a four leaf clover just for you.
Do you find when you go shopping you tend to buy a bunch of stuff you didn't plan on buying... Try this trick: Go grocery shopping with you list while you are in a hurry. Maybe you only have a half hour before you pick up the kids or your favorite can't miss show is coming on. By having a deadline you are less likly to browes and buy things that aren't on your list. Make sure you HAVE your list though or you might forget something and have to make a second trip which of course doesn't save you money.
Monday, March 16, 2009
This handsome visitor has been driving my cats nuts for the last couple days. I finally got a decent shot of him.
I wasn't able to get online this weekend. Weekends are always a little nuts around here. But to make up for it here are three tips to help you get cooking on saving money.
1. When choosing your fresh fruits and Vegetables remember to buy seasonally. In March these choices should include.
Fruits: Grapefruit, Oranges, and Pineapple
Vegetables: Broccoli, Chicory, Endive, and Escarole, Parsnips, Sweet Potatoes and Turnips.
Keep in mind this list is Seasonal for the U.S. Since that's where I live and visitors from the Southern hemisphere will probable have a different list.
2. Keep a lid on it. When your cooking there are some simple things to do that will save you some cash. The first is to use a lid on your pots. This keeps the heat in and helps things cook faster. Along with this is don't keep opening the oven to check your food it lets the heat out and your oven has to use more gas/electricity to reheat the oven. Use the oven light to check instead. Also make sure you use the right size burner for the pan you are using. If it's too hard your wasting energy to heat nothing. If its too small it will take longer to cook.
3. Consider planting an indoor herb garden. By growing some of the herbs you use most you won't have to buy them and they will be more flavorful fresh. As an added bonus they beautify your home with living green plants.
Friday, March 13, 2009
Save even more by wrapping them yourself. Don't use Coinstar or any other counting machine they can cost up to 10% of the total That's $10 for every $100. If you don't feel like wrapping them yourself then pay your kid the $10 to wrap them for you then they can save up for something they want. Don't by you coin wrappers either you can go to your bank and get FREE coin wrappers.
After you've wrapped up the coins make sure they go into savings better still deposit them into a vacation or Christmas club account where you can't touch them until it's time. Even if you don't use it for that purpose it's still a good way to keep yourself from spending it and a great way to save up a safety net for emergencies.
Thursday, March 12, 2009
Wednesday, March 11, 2009
Stop those unnecessary purchases by thinking twice. There is a reason they are called impulse buys but if you stop, leave the store and wait at least 30 days you will know for sure if its something you really want or if it was something you were just considering because you were there.
This of course goes back to the stick to your list tip. If you want to write it down for future consideration. This also gives you time if you decide it is something you really need to watch for it to go on sale. Most of the time though you will decide you don't really need it.
Tuesday, March 10, 2009
Spring is in the air and Summer is close behind....... and speaking of behinds I've been trying to make mine smaller. So here are three tips to help you get in shape for the swimsuit and shorts season.
1. This first tip is for the Heavy Hoofers and yes I'm one of them (but hopefully not for long.) Stop dropping money on those expensive walking shoes! They are not designed for the extra baggage we carry and they wear out too fast. Like most things they are designed for lighter weight people and when we pound the pavement the shoes don't make it.
Solution Go to your local sporting goods store and Get a good pair of Hiking Shoes or Boots! These rugged shoes are designed not only to take more wear and tear they are designed for people carrying an extra 30 + pounds. (about 1/3 of a healthy backpackers weight) They are about the same price or cheaper then those flimsy walking shoes but will last longer for those of us who weight more.
2. Cheapskate weight lifting. Lets face it the more muscle you have the more calories you burn. Everyone know this the weight loss companies and health gurus have been spouting it for years. We are here to save money though so don't go out and buy those weights yet. You already have perfectly good weights sitting around the house. Just go to your pantry and grab two 16 oz cans. Perfect for some beginning weightlifting. Need something heavier how about a couple of two liter bottles of soda (yeah, I know some of you are still drinking it) or that 5lb bag of flour. There is no point in spending $10 - $50 on weights that you will soon out grow.
3. Organize a Swap. Lets face it those exercise videos get pretty boring after a short while. So get together with your buddies once a week or month and trade. You will all get a new workout with out spending extra bucks. If you don't have anyone to swap with (or you have swapped them all) Then head on over..... Yep you guessed it ..... to your local library and see what they have to borrow.
Friday, March 6, 2009
Thursday, March 5, 2009
We love the house to be cooler when we are sleeping but waking up to a cold house isn't fun. The same goes in the summer when were out why waste the A/C when no one is around to enjoy it.
A programmable thermostat can also help you be green all the way around. Did you know that heating and cooling alone take up about 49% of all household energy use. That’s almost half your energy bill! Compared to a fixed thermostat, programmable thermostats changes the temperature on a set schedule. This helps to reduce how much money and energy you use. Using a programmable thermostat the average person can stop about 22,000 pounds of CO2 emissions per year! That’s like taking 2 cars off the road.
Wednesday, March 4, 2009
Tuesday, March 3, 2009
The reasons for my lack of posting, well my son’s birthday was Sunday and I was planning for that. Now that it’s over, it went great by the way we had it at the local Air Museum. Everyone had fun they made paper airplanes toured the museum and had a treasure hunt. It was kind of geared for younger kids though. I think they should have asked the age of the child when I made the reservation so they could make the activities more age appropriate. No one seems to mind though and I believe a good time was had by all.
I’m back to blogging I would have been back yesterday except we have a problem.
Yesterday we had a very large snow storm and it turns out that though it was very unlucky for some (four people died, 300,000 without power) for us it turned out to be rather lucky. Why was lucky for us because we had a snow day and not only did the kids get to stay home but my husband and I got to stay home from work too. And because we got stay home we were there when my dog got sick. He went into his kennel and threw up. We got him out of there and took him to the kitchen and clean him up. Then I spent the next three hours on the floor with him cleaning up and taking care of him. For three hours he threw up. And because he wanted to be next to me while he was not feeling good I spent three hours in the kitchen on the floor with him and that is why the snowstorm was lucky because if we had gone to work and the kids are gone to school the dog would’ve been in his house throwing up for three hours. You could just imagine what a mess that would have been not to mention that he would have been stuck in his house for three hours with all that mess.
Now for my first tip of this month saving money…
If you have cable shut off your premium channels if you can’t live without your premium channel shut off all at one. Let’s face it the movies replay over and over and over again every month at least 17 times and then they move on to the next premium channel and play there over and over and over again. You’re paying extra money to see the same movie over and over and over it would probably be just as easy to go over to the library and check it out, FOR FREE and save yourself the cash. Just think of how much you could save by cutting off the excessive channels that are showing the same stuff over and over.
Here’s an example I got these prices from one of the cable companies website I won’t say which one.
11 HBO Premium Channels
11 Showtime Premium Channels
9 Cinemax Premium Channels
4 TMC Premium Channels
6 Starz and 8 Encore Premium Channels
So if you had all of these channels and you turn them off you would save about $55 not including the taxes.