Category: Money Saving Tips

No comments

It’s a Taxing Situation

  By , , , ,

It’s a Taxing Situation

Once you get that tax return here are some ways to spend it wisely

It’s a Taxing Situation

 

By Cate Rees-Hessel

 

Death from Taxes?

I must admit that when it comes to taxes, I am inept. I squeaked through my college accounting 101 by the skin of my teeth. My husband is the math lover in our household, and he does our 1040. The closest I come to anything to do with mathematics is the fact my older sister is an accountant and a friend from belly dance class is a tax attorney.

Count on Bargains

Basic math, like checkbook balancing, figuring out sale discounts, or the size of a diamond – I am truly fabulous at this type of calculation endeavor. My spouse will attest that I am excellent at spending money, as well, but I do spend it wisely. I can sniff out an overcharge at the grocery store like a bloodhound that got a whiff of a juicy bone, and I love me a bargain. So allow me to share a baker’s dozen of my expertise on savvy ways to save some money when you are ready to spend your tax refund:

  1. Many restaurants and business establishments offer tax day or other deals and free birthday or anniversary treats, through email, texting, or in-store terminals. These are great but can still cost you money – that free dessert can end up costing you the price of a lunch or dinner that maybe wasn’t in your budget. Bear in mind these places are enticing you to come spend some cash.
  2. The “pink tax” is very real – those blue disposable razors may work just as well on legs and underarms.
  3. Do your homework before taking your car to the mechanic, ladies. You are less likely to be taken advantage of if you sound like Marissa Tomei’s character on the witness stand in “My Cousin Vinny”.
  4. Now, you know you are about to look for that film on streaming TV if you don’t know what I am talking about, so let’s move on to those get two weeks free streaming services. It’s nice to try these services, or merchandise subscriptions, but if you forget to cancel you can get an expensive surprise at the end of the free period.
  5. Online auctions are awesome but check shipping fees before bidding. That very deep discount on the item you are looking at might make up for the cheap price by inflating shipping and handling charges. (This can also be true on third-party serviced items through the big online retailers.) Politely ask the seller what is the best price shipping to your ZIP code.
  6. You get less for your money these days – even President Biden’s State of the Union speech mentioned the size of a Snickers bar and the volume inside a bag of potato chips shrinking in size, so watch unit pricing such as per ounce for the best value.
  7. You often get what you pay for, so look for quality that is timeless and long lasting when choosing wardrobes and accessories. In trendy apparel look, especially fads, look for less costly items, since they go out of fashion quickly.
  8. Loss leaders at the market or pharmacy are worth it, if you don’t go out of your way to make the purchase. Often these are limited to one per customer and not worth the extra gas spent to get to the store, unless you can take advantage of multiple deals and they are for items you need or at least really want.
  9. Drugstore cosmetics can often work as well as luxury brands, but if you want to try higher end skin care, begin by requesting samples or buying a trial size to get a read of how your body reacts to it. Avoid dollar store personal care items – most are made in China/PRC (People’s Republic of China), which means they are not thoroughly tested for hygienic safety standards or safe ingredients.
  10. Store brands can be a budget saver but check labels – some less costly groceries can contain preservatives, colors, or other artificial ingredients. Many use the GMO process of bioengineering.
  11. Don’t cut corners when it comes to your health and safety. It’s just not worth it in the long run.
  12. There is a trend toward lab-created gem stones. My personal opinion is a smaller, natural diamond with some inclusions is a better choice. Lab created means coal burning in China and India, an often unhealthy and unsafe practice.
  13. Be a wise consumer – use reliable resources to gain information before making a purchase.

Take the Credit

In closing, an accountant (shameless plug for my beautiful big sister), or tax attorney can help you to take all of your legal tax deductions, and get you the maximum refund. There are many tax credits for women, especially single moms, if your income is under a certain amount. There is the earned income tax credit, there is child or dependent care credit if you have a loved one in daycare, and if you have a child in college there is an education credit. If a single lady is taking a job related class, there is also a credit.

Taxing…Not!

Tax laws are complex for everyone, not just single ladies filing as head of a household, with or without children, so leaving your taxes to the experts can get you maximum legal refunds, giving you some extra cash that you can splurge just a bit on some of those spring sales.

Tips to Save Money at the Grocery Store

  By , , , , , , , ,

Tips to Save Money at the Grocery Store

Saving money at the grocery store is getting harder and harder on the pocketbook Here are a few tips on how to a little bit here and there, hoping it ads up to something.

Tips to Save Money at the Grocery Store

By D. S. Mitchell

Editor: Here are a few tricks I found on the internet to help cut costs at the grocery store in these high cost times. I’m not sure about you, but the only time I really feel the pinch is at the supermarket. I’m good at the gas station, I don’t freak out at the cannabis store, I’m okay at the drive thru, but holy Zeus I about lose my mind at the grocery store.

Folks, the price of eggs at my local Walmart has hit stratospheric levels; while at my friendly neighborhood Safeway, the price of eggs has barely budged. So, I buy my eggs and fresh flowers at Safeway and my thick cut smoked bacon and my thin sliced rib eye steaks at Walmart. I also hit the dip and weigh barrels at Winco. I also regularly shop my local Growers Market where everything is always so fresh and flavorful. Enough. I promised some money saving tips at the grocery store, and here they are.:

Experts Tell Us

Experts tell us it all starts with the right sized cart. If you are doing a weeks shopping grab a full sized cart, however if you are not, grab a small cart. Statistics indicate the average shopper buys as much as 40% more when using the larger cart. However, don’t think one of those hand baskets is the answer, in fact, studies show shoppers tend to buy tempting sugary treats when they are carrying the handheld basket.

Wednesday is Best Day to Shop

I just got back from this weeks grocery run. To save money on groceries, I usually shop on Wednesdays. There are noticeably fewer shoppers, unless that Wednesday happens to fall on the first of the month, LOL. On Wednesdays you can usually count on fully-stocked shelves and freshly delivered produce. AND, the sale specials start in most stores on Wednesday. I shop on Wednesdays to beat the crowds and save a little money. ***Stay away from the grocery store on weekends, they’re busy and frequently sale items are out of stock or picked over.

Seasonal Delights

Eat locally grown produce whenever possible, it will give you the best value in price and flavor. Be sure to go to your local Farmer’s Market not just the big supermarkets. In March you’ll see good prices on broccoli, brussels  sprouts, cauliflower, and lettuce. In April look for asparagus, rhubarb and peas. Strawberries are usually cheaper in June than in May. Year round  bargains include celery, and potatoes.

Limit Trips

I shop for two, but I shop alone. Whenever my roommate comes along I spend a lot more money than when he does not.  Today I spent $133 and got most of what I wanted, I only forgot the toilet paper and the paper towels. If Dave had been along I have no doubt I would have spent well-over $200; and still would have forgotten the paper towels and TP. Furthermore, it’s a good time to mention, write a list, and stick to it. People who shop with a list spend less time in the store and make significantly fewer impulse buys. I use a paper list, I’m old. If you prefer, use your phone. There are some great apps that match items on your list with store specials, coupons, and rebates. As important as a list is; limiting your trips to the store is just as important. DO NOT make frequent trips to the grocery store because every time you do, you spend money you didn’t need to spend, in addition to the gas to get there and back, and the energy you expended on that trip you could have used to plant those spring primroses.

Costco Sharing

My daughter and I shop together at Costco every couple of months and then divide up our purchases in their parking lot. The advice here is to also watch the sales at the regular stores because they are often better than you might get at the warehouse stores.

Cut the Candy, Chips and Sodas

Government statistics tell us that the average American family spends 25% of their grocery dollars on “processed foods, sweets, and sodas.” Try to cut back on such unhealthy choices; instead of getting chips-go for some crunchy carrots and celery. I know. I know. Such foods are great, they just need a little prep. So I suggest you do it as soon as you have the rest of the groceries put away. A few minutes scraping and slicing will provide a crunchy healthy snack versus a cheezy Dorito heartattack. Nothing is easy; but such small behavior changes are guaranteed to save you big dollars over a year, and you’ll probably lose some weight and lower your cholesterol.

End Cap Displays

Don’t fall for those big beautiful end cap displays. Those are usually not sale items; they are intended to trigger your impulse buying gene.

Store Brands vs National Brands

In most cases name brand and store brands taste the same, and can save you anywhere from 15% to 30%. In fact, the store named products are often made at the same time and place as national brands, the only difference the private label.

Unit Pricing

Small packages are usually the worst deals. But the biggest size doesn’t guarantee the best deal. What is important here is for the consumer to check for the unit price below the item on the shelf, it will give you the price per ounce or liter or other measurement so you can quickly compare prices in a logical way.

Holiday Hoarding

Some of the best meat and poultry prices can be found around the holidays. Stock up.

Group Bennies

If you are a vet, or a senior, be sure to ask if the store offers extra savings for your particular groups. Don’t hesitate to ask if they stack benefits; meaning can you maximize your savings by using your AARP card and your VA card. Once in awhile a company is allowed to stack discounts which gives a big discount.  Sometimes the discounts are limited to specific days of the month, rather than everyday. But, be sure to ask, and make note of it and try to shop on those days.

Misfits and Oddities

Some stores advertise great prices on produce known as oddballs and oddities. The price you pay for that oddly shaped zucchini may be 30% cheaper than it’s more perfect cousin. Also, by purchasing these imperfect fruits and veggies we can cut down on food waste.

Buying Gas at a Discount

Gas back programs are offered in my area at Safeway and Fred Meyers. The retailer discounts are based on customer shopping habits. A regular customer may save anywhere from 10 cents to $1.50 per gallon at the store’s gas station.

Buying Staples 

Shopping for staples is a weekly process, not a once a year event. I always, always, make sure I have fresh fruit, particularly bananas, honey crisp or Fuji apples, and various fresh berries. Things that are snack friendly, from the hand to the mouth made easy. Then I must have a bag of frozen mixed berries, for spontaneous smoothies. Veggies like kale, romaine, spinach, arugula are standards in my cart, perfect for a late afternoon salad. I always make sure I have onions, potatoes, carrots, and cauliflower on hand. Lemons are another essential for me. I squeeze them in my water, tea, and even over my salads. Also fabulous on chicken, and fish. Cheese is another staple at my house. I always have parmesan and cheddar cheese in the fridge. And I always make sure I have sliced cheese for a quick sandwich. Still in the dairy section I grab a couple pounds of butter and a gallon of whole milk (for morning coffee). I don’t do almond milk or cashew milk or any other non-dairy milk substitute, that’s just me. I’m not sure if you consider Greek yogurt a kitchen staple but I do. I watch for sales. In the meat department I watch for sales on hamburger, boneless chicken breasts, beef steaks, and pork. I try to keep a bag of frozen shrimp on hand, great for salads and pasta. Speaking of pasta I always watch for specials on my favorite pasta sauce. Spaghetti is a life saver for surprise guests.

More Staples

I barely slow down in the cereal department, but I do buy Old fashioned oats and steel cut oats – I never buy instant since you get more nutritional and heart benefits in old-fashioned and steel cut oats. I make sure I always have a box of pasta on hand and a bag of brown rice. And nuts. I use nuts in a lot of my recipes. Not only do they taste great, but they have a lot of healthy fats and omega-3 fatty acids. Almonds, walnuts, and pecans are my standby favs. I love Beans – black bean burgers, vegetarian chili, topping a salad with them, pureeing into hummus or just heating them and eating them with a spoon. I usually buy them in the 1-2 pound dry packages and cook them up in the crock pot. I always have several cans of diced and whole tomatoes. I use them in nearly everything. I can’t live without eggs or olive oil. Here again keep your eye open for special prices on these basic food items. Bread is not on my grocery list. I stopped eating bread about 10 years ago, and have never looked back. Although I have a pantry full of spices, I make sure I always have the ones I use most on hand, cinnamon, vanilla, cumin, oregano, nutmeg, ginger, black pepper, and sea salt. Lastly, I am always on the alert for big discounts on baking items like flour, white sugar, and brown. My family loves it when I make cookies.

Finally

The Natural Resources Defense Council reports that the average American throws away at least $2,500 worth of food annually. That is about 1/4 of what we spend on food! Time to cut down on waste. One of the ways to do that is to plan your meals for the week and buy according to what you have decided to make. It is important at the beginning of your shopping week to make an assessment of what you already have and what needs to be eaten quickly. Then buy any remaining ingredients to make up those items into eatable meals. After you have cleared your kitchen of items that were about to perish finish out your weeks menu with family favorites and good for you treats. “Waste not, want not,” as my mother used to say.

Believe It or Not, There’s a Word for That!

  By , , , , , ,

Believe It or Not, There’s a Word for That!

It is amazing what tid bits of information can be found in a pile of old magazines

Believe It or Not, There’s a Word for That!

By D.S. Mitchell

Basement Cabinets

I was cleaning out an old cabinet that had been relegated to a darkened corner of my basement when I uncovered a treasure trove of nearly 500 fossilized Reader’s Digest, Vogue, Glamour, O, Style, and AARP, magazines. Yes! What a glorious way to spend a rainy Thursday, scrounging through  dusty boxes of outdated magazines,  I laughed. I gauged how long it would take me to flip through every page of this unanticipated bonanza and figured I could do it in a single day, if I devoted myself to the task fulltime. Obviously, I’ll need pee and refueling breaks.

Pretty Packaging

Why would I be so interested in old magazines, you ask. First of all, I love touching that slick paper that they used to make magazines out of. Second, I love the fact there is this encyclopedia of near useless information, wrapped up in astoundingly pretty packaging. Just Awesome! Anyway, my ulterior motive was to find a few interesting filler topics for my calamitypolitics.com website. I found a motherlode. The first one I decided to share with my readers came from Reader’s Digest, the September 2017 issue (there was no writer credit given in the magazine). A great piece on “whatta’ ya call this?”  In alphabetical order,

  • aglet (aiglet): an aglet or aiglet is a small sheath, often made of plastic or metal, attached at each end of a shoelace, a cord, or a drawstring. An aglet keeps the fibers of the lace or cord from unraveling; its firmness and narrow profile make it easier to hold and easier to feed through eyelets, lugs, or other lacing guides
  • ferrule: the circular metal part holding the eraser to a pencil
  • glabella: the area of skin between the eyebrows and above the nose. The term also refers to the underlying bone that is slightly depressed, and joins the two brow ridges
  • lunule: the white or wedge-shaped part of the fingernail
  • peen: the round or wedge-shaped end of a hammer-i.e., the part that doesn’t hit the nail
  • petrichor: the way it smells when rain falls on parched earth
  • philtrum: the vertical groove between the base of the nose and the border of the upper lip.
  • phosphene: the light you see when you close your eyes and press your fingers to them
  • punt: the indention in the bottom of a wine bottle, a punt is also a wooden boat with no keel, stem, or sternpost, and is constructed like a ladder, and it’s even a football kick
  • rasceta: the lines and wrinkling on the inner surface of the wrist
  • souffle cup: a paper of plastic cup for ketchup, mustard, and other condiments
  • Snellen test: the test during an eye exam involving reading from large to smaller letters
  • tittle: a small written or printed stroke; the dot over a lower case i or j
  • wamble: a weaving or rolling motion, stomach rumbling

That was fun. Did you learn anything? Of the fifteen listed I knew only one.

Prep And Roll; Artificial Turf Coming Soon

  By , , , , , , ,

Prep And Roll;

Artificial Turf Coming To A Home Near You

Artificial turf creates a beautiful, natural, low maintenance solution to backyard weeds, watering, and mowing

Prep And Roll

From The Sports Stadium To The Neighborhood 

By D.S. Mitchell

Morning Walks

I usually go for a morning walk. The route rarely changes, so I am particularly aware of homeowner activities in the neighborhood. Recently, I have noticed a lot of changes at a particular address. First, it was a beautiful new concrete ’tile’ roof, then a lovely grey paint job with sparkling white trim, and all new rock walkways. Ahh, all the choices have been just perfect. Last Wednesday, there was a bobcat in the front yard. I could see something serious was about to happen. On Thursday, when I walked by the house, all the sod and weeds had been scraped off; scalping the topsoil down about 4 inches and a sub-base of gravel had been placed and compacted nicely.

Friday Morning

Friday morning, to my surprise, I saw the contractor had laid out rolls of artificial grass on top of the gravel base, like you would carpet, stretching and snugging the pieces together, securing each piece with small yellow spikes. My brain lit up; oh, wow, my neighbor had decided to stop mowing and watering the lawn and was going to join the millions of Americans who are choosing a simpler and more environmentally friendly landscape solution. Saturday morning the new front yard was installed and looking amazing.

Positives For The Homeowner

I’ve been thinking about switching to artificial turf for at least the last year and have done a bit of research on the topic.  I’m pretty much convinced it is a good investment and appropriate for an older single female. I’d love not to be dealing with the damn lawnmower every weekend, spring, summer, and fall.  I’ve spoken to several contractors and I’ve learned that the artificial grass dries quickly after it rains, making it particularly user-friendly. It’s attractive even in problem areas, those shaded pathways, under large trees, and children’s outdoor play areas. The artificial turf saves water, cuts down on dust, weeds, and bugs. And it’s beauty encourages an outdoor lifestyle.

I’ve Also Learned

I had no idea that artificial grass was available in a variety of pile heights and color tones. Here’s notes from my conversations with the experts. First, choose a manufacturer with UV protection and a multi-year warranty. The last thing you want is to pull up a lawn you laid only a year ago. Next, I was told to see what varieties of natural grass my neighbors favored for their lawns. I was told darker-shades of fescue are common in northern yards. In the south, a lighter Bermuda grass is a better choice. Manufacturers also advise their customers to think about what they like aesthetically. For a fresh cut look, try a shorter grass with a firm feel. If you want a rich, luxurious look, a longer, softer, and lower-density grass will provide that.

More Things To Think About

Will your grass see heavy use, moderate use, or little to no use? Are there pets and kids? What about a swimming pool? If the grass will see heavy traffic you will need a denser product to ensure longevity. An 80 ounce product is a good choice for high traffic areas. If traffic is moderate a 62 ounce product will do the job while a 46 ounce product is the most economical for low traffic areas. There are even pet friendly grasses with short dense blades, making turds easy to clean up. If pets are a consideration choose a turf with a “fully permeable backing” which allows urine and other fluids to drain properly. A product with a permeable backing is also recommended for areas around pools and other spaces that water habitually splashes.

Easy Care, Doesn’t Mean No Care

Artificial grass is easy care, but, like with everything, there are some simple steps you can take to keep your new lawn beautiful for years to come. A leaf blower will become a good friend as it is important to remove fallen leaves or branches as soon as possible, before they become ground into the fabric. It is a good idea to rinse the turf regularly with a garden hose to clean off dust, pollen, and debris. Soda and other spills should be cleaned up promptly using a towel to blot the spot and rinsing with a mixture of soap and water. Let solid pet waste dry before picking it up, then rinse the area with water. Pet urine will drain out but it is suggested that such areas should be rinsed off with water. Brushing the grass against the grain in high traffic areas every couple weeks is promised to keep your artificial ground cover beautiful for years to come.

How About Weeds?

Sometimes, when the conditions are just right your artificial turf may nurture moss and weeds. Birds and wind deliver seeds and other plant matter and as such things go, rain and sun cause germination.  If you begin to see unwanted weeds pull the little buggers out by hand or eliminate them with a vinegar and water mix.

 

 

Tips On Staying In Style In This Economy

  By , , , , , , , , , ,

Tips On Staying In Style In This Economy

Anna Hessel offers common sense ideas to save money in these inflationary times

Editor’s Note: Anna Hessel with a little help from hubby, Wes, have been offering up 10 tips a week on How to Stay In Style In This Economy. Thanks Anna, we need all the help we can get. Next week will be the last week of her suggestions. Watch for it next Tuesday, but right now here are their suggestions for this week.

By Anna Hessel with Wes Hessel

Inflation is being beaten back but basic costs are still high, and service providers are charging more, but there is hope out there. Saving money has always been a challenge but in this current economic climate saving money can be get a bit tricky,  but there are certainly ways to shave your budget without losing out on things you need and want, here are today’s suggestions:

  1. Online survey sites can bring in some money. Even the legit sites sometimes have bad surveys that don’t pay, but overall, there is money to be made. You won’t get rich but a few extra dollars can add up over time.
  2. Side gigs can be fruitful but make sure to factor in things like gas and supplies to ascertain that you’re actually making a profit.
  3. Use your interests and hobbies to make money. If you bake great cookies or are a crafter, rent a table at a flea market or craft show to sell your wares, or sell to friends and co-workers. Check local ordinances before hand for any requirements.
  4. Old-fashioned side jobs like babysitting, grass mowing, car washing, errand running, etc., are not just for teens, these days.
  5. Check state treasury departments or the equivalent to find out if anyone owes you money in unclaimed property like lost accounts or credits. We found insurance and utility companies that owed us refunds…
  6. Event venues, places with concessions like pools or sports parks, and restaurants sometimes offer discount food near closing time.
  7. Summer time can bring free movies in the park, free outdoor concerts, or free splash pads for hot days…
  8. Try homemade options such as making a scrub from sugar or salt and olive oil or honey – it’s great for dry skin, cellulite, or crepe skin. Apple cider vinegar, baking soda, or baby lotion added to bath water can have spa-like benefits.

Don’t Be Afraid to Ask for Help

  1. Many people are eligible for government-subsidized (most often free) cell phones with service and/or internet – more than you would think. See the FCC site (https://www.fcc.gov/general/lifeline-program-low-income-consumers) or other government websites for details.
  2. Apply for energy assistance if you’re at all eligible, and ask your utility companies if they have additional programs to help with your household fuel costs, such as budgeting options or discounts for using energy-efficient appliances.

Tips to Stay in Style in this Economy

  By , , , , , , , , , ,

Staying In Style In This Economy

Anna Hessel offers common sense ideas to save money in these inflationary times

Editor’s Note: Anna Hessel with a little help from hubby, Wes, will be offering up for the next seven weeks, 10 tips a week on How to Stay In Style In This Economy. Watch for it every Tuesday.

How to Stay in Style in this Economy…

By Anna Hessel with Wes Hessel

Inflation is being beaten back but basic costs are still high, and service providers are charging more, but there is hope out there. Saving money has always been a challenge but in this current economic climate saving money can be get a bit tricky,  but there are certainly ways to shave your budget without losing out on things you need and want, here are today’s suggestions:

 

Save Me…

Saving money in this current economic climate can be a bit of a challenge, but there are certainly ways to shave your budget without losing out on things you need and want:

  1. Take advantage of after holiday or seasonal clearances. I buy toys, non-perishable gifts, clothing, and decor items for the following year at significant discount.
  2. Extended warranties on electronics and other major purchases can be worth the nominal costs. Check the ratings on the warranty provider to see how good (or bad) their track record is, and read their terms and conditions carefully. While it isn’t always the case, good companies are out there. We recently noticed two small white dots on the screen of our TV, which showed up no matter what program source – the extended warranty refunded our entire purchase price on the television. Suddenly, those two dots are a lot less bothersome…
  3. Check out the numerous travel discount sites, but choose a well-known or at least well-rated one to protect yourself. My husband and I saved big money on a whirlpool suite for our anniversary.
  4. Discount movie theaters with second run films are a source of entertainment at a fraction of the cost of first run films. Of course, streaming services are a great value, many offer a free trial week or longer, or discounts upon sign-up for a specific period of time. Streaming that is commercial-supported can offer even more savings.
  5. Take advantage of gift with purchase offers or discounted collections in department stores for cosmetics, and politely ask for samples.
  6. Beauty schools for haircuts, manicures, pedicures and the like are often cost effective, and the work is overseen by the instructors.
  7. Clearance cosmetics are fine as long as you check expiration dates and don’t buy open items.
  8. Your own at-home hair color, mani-pedis, and facials can work just fine. Choose quality products and that does not always mean most expensive ones – do your homework to compare…
  9. Watch carefully if buying cosmetics and toiletries in dollar stores or other deep discount outlets – many are made in China (PRC) and are not regulated. (Even major big box stores may carry these products, and some are better known brands.) Don’t sacrifice safety for savings. Food items made in China also are not regulated, and safety is in question.
  10. Clearance racks are great places to find deep discount apparel (or other items, as well). You might need to trim a thread or sew a button but it’s worth it. Remember there is a big difference between fashionably distressed and a mess…

Reduce, reuse, repurpose, and recycle to maximize savings and stay in style…

 

Stay In Style In This Economy

  By , , , , , , ,

Stay In Style In This Economy 

Editor’s Note: Anna Hessel with a little help from hubby, Wes, will be offering up for the next seven weeks, 10 tips a week on How to Stay In Style In This Economy. Watch for it every Tuesday. 

How to Stay in Style in this Economy…

By Anna Hessel with Wes Hessel

Inflation is being beaten back but basic costs are still high, and service providers are charging more, but there is hope out there. Saving money has always been a challenge but in this current economic climate saving money can be get a bit tricky,  but there are certainly ways to shave your budget without losing out on things you need and want, here are today’s suggestions:

  1. I keep a small empty lotion container to drain the last dregs of creams into. Give it a good shake, and you have a new lotion mixture to keep skin smooth.
  2. Turn lights off when not in use for more than a minute.
  3. Vacuum refrigerator coils every so often to increase efficiency, and save on electricity. Also, clean your furnace or air conditioning vents for improved flow (again saving energy and cost), and change the furnace filter as recommended to help there, too. Make sure those air outlets are not blocked or covered for even better savings, unless it’s for an area you use less or little.
  4. There are products on the market to freshen clothes between wearings. A clothes dryer after sponging with a damp wash cloth is a great way to refresh clothes, and add extra life to garments but these are not substitutes for regular washing or dry cleaning. An old fashioned sponge  dampened can keep your wardrobe looking pristine. I don’t recommend a refresh more than a couple times between laundering – you don’t want to seal dirt or odor in the fabric…
  5. Buy a good used sewing machine to repair, repurpose, or recreate garments, linens, curtains, and the like.
  6. Opt for refillable or reusable items, such as pitchers to filter tap water instead of buying bottles from a store – this can save money and help the environment.
  7. Less waste packaging can also improve an item’s cost – less overhead for the company; look for vendors who pass this savings on.
  8. Avoiding red meat is not only great for animal welfare, your health, and the environment, it can be more economical to have a more plant based diet…
  9. Consider your home space – do you really need as much as you have? The tiny house movement, or downsizing in some form, is advantageous in many ways, such as less energy consumption, more time for family/ourselves and pleasure pursuits, and, of course, the lower costs…

You Better Shop Around…

  1. Utilize deferred no-interest payment plans like PayPal’s Pay in 4, After Pay, or Klarna for major purchases to save on paying credit card or other interest. Or just save up – it’s worth the effort…

 

How To Stay In Style In This Economy (#2)

  By , , , ,

How To Stay In Style In This Economy (#2)

Editor’s Note: Anna Hessel with a little help from hubby, Wes, will be offering up for the next seven weeks, 10 tips a week on How to Stay In Style In This Economy. Watch for it every Tuesday. 

How to Stay in Style in this Economy…

By Anna Hessel with Wes Hessel

Inflation is being beaten back but basic costs are still high, and service providers are charging more, but there is hope out there. Saving money has always been a challenge but in this current economic climate saving money can be get a bit tricky,  but there are certainly ways to shave your budget without losing out on things you need and want, here are today’s suggestions:

  1. Jewelry and clothing rental sites can be great but read the fine print before you give your credit or debit card number. Monthly or additional fees can add up to make it un-cost effective.
  2. Look for electronic or other recycling events that offer gift card or coupon incentives, or retailers who offer discounts for trade-ins.
  3. For those who pay for your garbage collection, make choices which will keep that bill down. Check with your waste pickup agency or provider for tips on how to save, especially for “amnesty” days, where more or any items are taken for disposal, or special collection days such as for leaves in the fall or live Christmas trees after the holiday, thus avoiding extra fees. If you have bulky items to trash and an amnesty day is not available or far away, see if your refuse service allows one or two extra items for pickup without additional charge, and if you have multiple items, then you can put them out over more than one collection date to save.
  4. Check the curbs on trash nights, and especially on amnesty days, for usable items you may want – one person’s trash is another one’s treasure. Just make sure your municipality or area does not restrict this.
  5. Use outdated yogurt, or past their prime fruit or vegetables like avocados as face masks or skin treatments.
  6. Used coffee grinds are great for cellulite body treatment – if you don’t use your own, Whole Foods had been giving them away for free to anyone that asks.
  7. Used book and music stores can buy your used books, magazines, CDs, video games, or other related electronics, and items purchased there are likely cheaper than retail.
  8. Shop at garage sales – save money while meeting your neighbors or host a garage sale to make some extra funds. A bit of gas spent traveling to upscale area sales if you don’t live in one is worth the trip to find special bargains on designer duds, toys, or housewares.
  9. When using health and beauty items like liquid soaps, shampoos, conditioners, or lotions, turn them upside down (if the container isn’t already designed that way) to get as much as possible out of what you buy. If such an item won’t stand on its head on its own, prop it up against a wall or the like, or place it in inverted in a cheap plastic cup or other container large enough to hold it.
  10. Squeeze more out, literally – for items in tubes, such as toothpaste or creams, use a comb, the side of your hand, or one of those squeezing gadgets to press through the last dregs…

10 Tips To Stay In Style In This Economy (#1)

  By , , , ,

10 Tips To Stay In Style In This Economy (#1)

Editor’s Note: Anna Hessel with a little help from hubby, Wes, will be offering up for the next seven weeks, 10 tips a week on How to Stay In Style In This Economy. Watch for it every Tuesday. 

How to Stay in Style in this Economy…

By Anna Hessel with Wes Hessel

The inflation spike of the last couple years appears to be ebbing. Food costs are still high, and service providers are charging more, but there is hope out there. Save me….Saving money in this current economic climate can be a bit of a challenge, but there are certainly ways to shave your budget without losing out on things you need and want, here are today’s suggestions:

Reduce, Reuse, Repurpose, and Recycle
1. Go paperless: online invoices, email, or text notifications can save time (time is money) and postage, not to mention less paper to wind up in landfills.
2. Take extra weight out of your vehicle’s trunk or hatch area, maintain your proper tire inflation levels, and keep your vehicle tuned up to save on gas.
3. Buy in bulk if you can but only if it saves money – compare by per ounce, pound, square footage/yardage, or other unit measurement; the largest size isn’t always the best buy…
4. Try store or “clone” brands – they can offer near or equal quality for better price, but sales sometimes can flip that on their head, instead. Quality products can give you more mileage, so keep track and see which gets you more bang for your buck.
5. Make-your-own type devices such as a SodaStream, or using a juicer can make for fresher, healthier, less expensive choices.
6. Speaking of making, the Maker movement encourages going back to creating things for ourselves, instead of potentially energy consuming and pollution causing manufacturing. It also gives pride in our own work and honing manual skills. Maker spaces provide workspace, training, and resources. This could be crafts of all forms, sewing/fabric/leatherwork, woodwork/carpentry, metalwork – let your imagination run free…
7. Many print publications offer a free sample copy – just don’t forget to write cancel on the invoice when you receive the bill – or their online subscription can be significantly cheaper. Also, investigate services which can access multiple magazines online for one cost.
8. Repurpose – this prevents items from going into landfills and saves you money. A coat of paint, reupholstering, or a new creative way to use something are fun ways to give an old item, new life. DIY can be enjoyable and saves a bundle. Look online for free how-to’s and ideas. Just make sure you know what you’re doing if safety is involved. How about a brightly painted old bicycle with flowers in the basket.
9. Join Freecycle, Trash Nothing, or similar online groups, or try apps like Freebie Alerts to swap items for no cost. Also, many churches or other charitable organizations have clothing or toy exchanges that can be utilized by area residents. But do remember some things are actual trash…
10. Host a clothing and accessories swap, or start a community vegetable garden, if there aren’t ones in your area.

Thinking Tiny House?

  By , , , , ,

Thinking Tiny House?

A lot of people are looking to tiny house living.

Thinking Tiny House?

Not everyone wants a mega mansion. In fact, there is a growing minimalist movement in the U.S.

D. S. Mitchell

‘Downsize Revolution’

If  you’ve  ever watched “Tiny House Nation” or “Tiny House” on television you are aware of a growing trend in the United States toward minimalist living. Many people are attracted to the prospect of financial freedom, a simpler lifestyle, and a smaller human environmental footprint.  Cities are encouraging ADUs (Accessory Living Units) in urban areas to increase housing options. The “downsize revolution” promotes living structures with sizes between 300 and 700 square feet. In general, the tiny home is 400 sq. ft or less. In some cases, the homes are even on wheels. Despite the stated positives, they are not for everyone.

Costs To Consider

Small does not necessarily equate with cheap. A tiny house can cost anywhere from $10,000 to $150,000. There is no land, so in some ways it is like a mobile home, the owner of a tiny home needs to find space to rent or buy to place the home. Holy Moly. The cost is dependent on a series of factors: location, building complexity, materials, and finally are you doing it yourself, or are you having it built. A contractor construction package will generally cost twice as much as a “do it yourself” house.

Reduced Appliance Size

Not always identified, but a serious matter, are the extra building costs for appliances, fixtures, water heaters and heating & cooling systems because of their reduced size. The rule it seems is that the smaller, the more expensive. It is important that you do some very careful figuring before you commit yourself to building a tiny home. One recommendation would be to get a minimum of three bids. Many builders  do sizeable markups on small projects.

Continue reading