Thursday, May 28, 2015

Don't Put All Your Eggs in One Basket


That's a phrase usually reserved for expectations or investments, but it fits saving money, too.

If you clip coupons but don't bother to shop second hand for clothing and household goods, you're spending more than you have to. If you only shop the sales rack but you compare auto insurance every 10 years or so, you're probably spending more than you have to.

It's easy to get comfortable and even in a rut when it comes to cutting costs, but relying on one area without looking up and around at all the different ways to save will cost you.

Shop sales, plan purchases, avoid impulse buys, compare all kinds of insurance costs every year, borrow or rent instead of buying, find ways to save on utilities, etc., etc.

Don't depend on one or two things to save money.

Friday, May 22, 2015

No Vacation? Break Loose, Anyway!

Can't afford a vacation this year? You've heard of "staycations" but you're just not convinced it would give you the break you need? How about an overnight trip? Two full days, one night, and you'll feel like you've had a real break.

You will need a sense of adventure, a positive attitude, gas money and money for an overnight stay. Pack a cooler with food and an extra change of clothing, just in case. 

Start as early as you want to. I remember starting out on vacation when the kids were little. It would still be dark out; the coffee in our thermos was hot, the kids went back to sleep, the roads were quiet and the lull of the rolling countryside was peaceful. I griped about it then, but no more. It's a magical time to hit the road.

If that doesn't appeal to you, how about staying home for breakfast, then taking off? Wash up the dishes, unplug everything not needed for two days and away you go.

Where? Start here: Choose a direction. Any direction will do. Drive for two hours. Stop and look around. You might be in a different town or a rural area. Talk to the first person you meet and ask about local attractions. You will get a wide array of answers from the best fishing lake to free museums or maybe you've even stumbled on to a local celebration. If it's nothing more than a picnic in the local park, do it.

If you can't stay busy here the rest of the day, drive another hour and repeat. Near the end of the day, look for a place to stay the night. This could be a KOA cabin, a campground or a motel.

The next morning, take the next road in a different direction and slowly work your way back home, stopping to take in the sights and activities as you come across them.

That's what they call "foot-loose and fancy free" and it will refresh your mind, your body and your soul better than an extended, well planned vacation.

Go ahead, break loose. Take a little chance and you'll find you don't have a thing to lose.

image courtesy morguefile.com

Monday, May 18, 2015

Garage Sale Cautions

Lots of frugalites shop second hand and garage sales are the best way to do that. Not only are prices lower at garage sales, if you can find the right one, the offerings might be more up to date than thrift stores.

Clothing and entertainment items like DVDs and games may be last years editions or not. People tire of thing quickly.

What not to buy at garage sales varies with your location and your gut feeling. Don't ignore that. If there is "something" about a person you don't trust, don't buy electronics or other things that you can't fully check out. Even at ten cents on the dollar, there's no reason to waste your money.

Before you start out on a day's or morning's worth of garage sales, put together a list of things with sizes, colors, styles and any other pertinent information and take it with you!

Yeah, ask me how I know that part is important.

It's easy to get carried away at garage sales, so put on your best discipline before you leave the house. Take cash and only take as much as you can really afford to spend. That will help you slip past that beautiful vase and the throw pillows that would be gorgeous in your living room, right to the tops and shorts for the kids and the stock pot you've been needing.

As always, keeping a goal in your head makes it easier to meet!

image courtesy morguefile.com

Wednesday, May 13, 2015

How to Stay at Home and Make Money

Do you want to stay at home with your baby but you're not sure you can afford it? There are ways to make money at home. Perhaps you can eat your cake and have it, too!

Read this and see:
Eight Ways to Make Money at Home

And if you don't find what you're looking for there, try this:
Seven Valid Ways to Make Money Online

And still more (but not limited to holidays!) Make Extra Money for the Holidays