Archive for October, 2009

Storage Bins Repurposed

Wednesday, October 21st, 2009

IMG_4006When I’m shopping and I find something that is a good price, but it isn’t something I was looking for (maybe it’s not my style), I will usually purchase the item if it’s an exceptional deal because I know that I can repurpose the item, or change it to fit my needs. I found these little storage bins at Dollar Tree for $1 each. Not a great price, but I needed a quick storage solution for my daughters, and $1 was the right price.

I purchased the storage bins a few years ago, and while they are not made of quality material, they have served the purpose they were made for. My daughters no longer need the bins, but I put them away for future use. I use one of the storage bins to keep our napkins that I purchase from Aldi. Turning the storage bin over allows the napkins to fit in perfectly without getting scattered all over our cabinet.

I still had three of the bins left, but was less than thrilled with the pink ribbon on the front. I cut the ribbon off, thankfully it doesn’t harm the integrity of the storage bin, and now use them in my laundry room to sort socks and underwear for our family members as I pull them out of the dryer. This makes for quick laundry sorting. Everyone can come and get their own basket when all of the laundry is folded, sorted, and hung from the dryer.

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SheSpeaks

Tuesday, October 20th, 2009

SheSpeaks is another word-of-mouth marketing company relying on a network of women to test products and have an influence on the product’s development. Joining SheSpeaks gives you access to try out new products, or products that are already on the market to provide feedback on how their product can be improved.

Interested in trying it out, joining is easy. Visit SheSpeaks to tell them a little about yourself so that they can match you to the right programs. I will say that it took a few months before I started receiving anything from them, but since then, I have received multiple offers from them every three to four months to try out new products.

I enjoy SheSpeaks because I not only get to try out a product and tell a company what I love about their product, but I also get to tell my friends and family about the product and share coupons that I’ve received from SheSpeaks. SheSpeaks is free, and fun!

The Importance Of Having An Emergency Fund

Monday, October 19th, 2009

Many people do not understand the importance of having a savings account with a month or two built up in savings. The reasons most personal finance gurus give are generally sort of cliché and simply common sense. However, the prospect of placing an unexpected car repair on your credit card is not the only reason. Around a year or two ago, gasoline was up in the $3.00-$4.00 range. Most Americans, particularly younger people, had never experienced such a shock to their budgets. Unexpected economic hiccups can severely cramp your style. Our family lives in one of the most spread out cities in America with little or no public transportation. Eliminating driving just isn’t an option. How will you deal with $100.00 more a month in gasoline expenses or the prospect of having your electric or natural gas bill double? The prices of these items are controlled by economic forces that are completely out of our hands.

How do you start an emergency fund if your budget is already tight? The best answer is that you’re going to have to get rid of a bill. Our family did not have cable for two years when my husband and I first got married. We had a budget reception package that cost around $7.00 a month that had 15 channels. You may not know this but most cable providers offer this service as a matter of complying with the law. Most states require monopoly cable providers to offer a reception/budget package to be good citizens. The cable companies almost never advertise the availability of this package. There are many other areas to change that really don’t make much of a difference in your quality of life: reducing the number of times you eat in restaurants, renting DVDs instead of buying them, drinking sodas or coffee, magazine subscriptions, and on and on.  These don’t have to be things that you eliminate forever. Eliminate something for a year and save $1,500 for an emergency fund. You won’t be sorry. You’ll put yourself in the position of not having to pay interest to a credit card company and you’ll learn something about yourself as well.

The Birthday Party

Sunday, October 18th, 2009

We had a total of eight (including my twins) thirteen year old girls at the birthday party yesterday for their thirteenth birthday. The party turned out fine, and the girls would have all been happy sitting on our trampoline, playing board games, or watching videos on YouTube. My husband purchased a recent movie for them to watch at the party, but all the girls ended up watching a movie we already had around the house.

We picked up a couple of pizzas, pop, a giant cookie, and some candy. Teenagers are weird and I never know what they’re going to want to do. I think their favorite thing to do was just hang out. I never planned for the party to end up being frugal, but it ended up being the least expensive birthday party we’ve ever given them.

I sent all the girls home with a gift bag of stuff I had accumulated over the last year; nail polish, nail buffers, lotion samples, lip gloss, and chapstick. They were all happy, and I had finally gotten rid of some of my nail polish.

In the past we’ve usually gone somewhere for their party; a skating rink, Chuck E. Cheese, swimming pool, but the kids seemed just as happy spending time with their friends at our house playing games and hanging out. In the end I think kids enjoy all the excitement that the party offers, and are even willing to go without all the glam and glitz that the expensive places offers, just to spend some time with their friends.

Bissell ProHeat Steam Cleaner: Still Worth It!

Saturday, October 17th, 2009

We are in the process of preparing the house for this weekends celebration of our twins thirteenth birthday. In addition to doing the usual cleaning, this also means that we get our Bissell Steam Cleaner out to bring our carpet back to life. The carpet is about eleven years old now, and having a three year old can really wreak havoc on alabaster colored carpet: definitely not my color choice when we eventually replace the carpet.

We will eventually need to replace the carpet due to wear and spots that simply can’t be removed, but having the Bissell helps me to tolerate the carpet while we save to replace it. I told my husband this evening that this is one of the best purchases we’ve made in the last year because of its effectiveness. It really does make a difference in our family’s attitude when our carpets are clean. Until we’ve saved the money to replace our carpet, and wait for our three year old to be a few years older, we’ll continue to use the Bissell to extend the life of our carpet. The Bissell was an expense for our family to purchase, but the results provided are well worth the price we paid.

Frugal Friday: Freebies and Rebates

Friday, October 16th, 2009

I have come across some great freebies and rebates found on other blogs that I read daily. While I don’t usually focus on posting freebies, because I think there are others who do it so well, I do love receiving samples in my mail box. Signing up for free samples not only includes the product sample, but almost always includes a coupon as well for the product sample. This coupon can then be paired up with a sale; making it worthwhile for me to sign up for the freebies.

Free Reusable Grocery Tote for residents of IL, KS, MI, MN, MO, OH, OK, and WI from Red Gold Tomatoes. Offer expires November 6th or while supplies last. (Thank you PocketYourDollars)

Don’t forget about Wal-Mart samples. These change periodically so you’ll need to check back often to see what is available.

Pampers Gifts To Grow – While this is not a freebie, it is a code that can be added to your account to accumulate for rewards: GRATUIT89102009 – 1pt code (Thank you One Momma Saving Money).  More about Gifts To Grow here.

Holiday Savings $5 Cash Rebate from Real Simple –  Purchase $15 or more of participating products to receive a $5 cash rebate from Real Simple. Purchases must be made between 10/12/09 and 11/15/09, and be postmarked by 11/19/09. Found in Real Simple magazine.

SC Johnson $5 Rebate – Receive a $5 rebate for purchasing three (3) items from the following SC Johnson brands:

  • Drano
  • Fantastik
  • Glade
  • Nature’s Source
  • Off
  • Pledge
  • Raid
  • Saran
  • Scrubbing Bubbles
  • Shout
  • Windex
  • Ziploc

Each household is allowed up to three rebates each, but all must be mailed separately. Purchases must be made between 10/1/09 and 6/30/10. Thank you, Deal Seeking Mom.

Water Savings In The Bathroom

Thursday, October 15th, 2009

I now hold the proud title of knowing more about a toilet than I wanted to know. Since we’ve moved into our house, our toilets run for a few seconds several times a day. I don’t know how often it happens, but I do know that the leaky toilets are costing us money on our water bill; how much, I am uncertain of. The thing I am sure of though is that the cost to fix the leaky toilet is less than what it’s costing me on my water bill.

I wanted to know more about my running toilet. First and foremost I wanted to know what I needed to do to fix it, to stop the leak. Second, how much is my running toilet costing me? I found some useful information that surprised me. According to EBMUD, a running toilet can waste two gallons of water a minute, and a silent leak could waste up to 7000 gallons of water a month. The site contains great information on finding out if your home is silently wasting water, and some great tips on conserving water.

Fixing a leaky or running toilet is a simple fix. A replacement kit for the guts of your toilet can be found at any hardware store. Surprisingly, The Home Depot has a great page with a lot of good information on energy conservation, as well as recommendations of course on how to replace your old appliances and fixtures to conserve energy. We are able to be proactive with some of the fixes in our house, but sometimes we have to be reactive if a problem occurs and fix it in a timely manner to avoid wasting money.

Quaker Oatmeal vs. Market Pantry Instant Oatmeal

Wednesday, October 14th, 2009

IMG_3948The other day I made a new store brand purchase of Market Pantry Instant Oatmeal. I wanted to determine if this would be an item that we could make a switch to, to save a little money. I try to make a purchase like this at least once or twice during our two large shopping trips for the month. When we make these purchases, they are intended to determine if the quality is similar to the brand that we normally purchase, so that we are able to replace the more expensive brand.

I chose Market Pantry’s Instant Oatmeal Maple & Brown Sugar to compare to Quaker Instant Oatmeal Maple & Brown Sugar. While the flavors are somewhat similar, the Quaker has a much sweeter, fuller flavor. This wasn’t an area that discouraged me from making the purchase again in the future. The major difference in the oatmeal was the tenderness of Quaker’s oatmeal compared to Market Pantry which seemed a little like cardboard.

In Market Pantry’s defense, I have tried Aldi’s brand of instant oatmeal as well, and the taste was definitely lacking there too. It really makes me wonder how there could be such a difference in the quality of the oatmeal when both are oatmeal. It’s not as if there is some inferior cardboard oatmeal growing in a field somewhere. After some research about oatmeal, I figured that the difference is probably in the manufacturing process where the oats are steamed and roasted.

I may be a Quaker Instant Oatmeal snob, but I do like to enjoy a bowl of oatmeal when I am eating it. I am not paying an excessive amount for the Quaker, since I usually wait for the oatmeal to go on sale, but it is a little frustrating when the store brand quality is so inferior that it isn’t even worth buying, even if the Quaker oatmeal isn’t on sale.

An Oldie But A Goodie

Tuesday, October 13th, 2009

IMG_3947All the baking I did over the weekend prompted me to pull out my old Hamilton Beach Mixer for the first time to give it a spin and see if it actually worked. To my pleasant surprise, it works quite well. I only recently inherited the mixer, and was a little anxious about its performance. From the picture, you can see why I was a little hesitant. It is at least fifty years old, but works so well that you would never know except for the appearance.

I have always dreamed of owning a Kitchen Aid Mixer, but knew that it would take some saving before I could purchase one. This one works so well, that I won’t be replacing it unless it quits working. I’m not sure how the Kitchen Aid Mixers work, but if it’s anything like this old machine, I’m sure they are amazing. They are hands free, allowing liquid or other ingredients to be added to the bowl while being mixed.

When I was making the crust for the Quiche Lorraine I was able to combine the shortening and flour in the mixer. I did have to move the mixture around to the blades to be incorporated, but the mixer did all the work. I also mixed all of my ingredients for cinnamon rolls in the mixer, but had to quickly remove them, once mixed, since the dough started rising.

I could always paint it to make it look like new, but why? I think it looks kind of cool the way it is. It has that vintage feel, and it really is vintage; can’t beat that. Here’s our Quiche Lorraine we made for the week. Yum!

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Personal Finance Roundup: October 12

Monday, October 12th, 2009

I do like to write about personal finance when I can, but many times I feel that it might be a good idea just to share a number of links about a topic and summarize them. This weekend I did some reading about insurance and credit scoring. What you need to know is that the world of auto insurance has changed drastically. If you grew up in the world of your driving record, type of car, and marital status meaning the most to your insurance rates, read this article. Some insurers use your special insurance credit score to determine your rates while using driving record and other factors to a lesser degree.