= I am frugal,not Cheap! Spend Smarter but..Live Modestly

A cynic knows the Cost of Everything but..

A cynic knows the Cost of Everything but..
the VALUE of Nothing!

Saturday, February 28, 2009

Am enjoying my FREE new mini Laptop..

well not exactly Free but..close as was upgraded for free as my previous desktop was damaged due to faulty electrical wiring and I am deducted the costs for a new computer from my rent! It would have costed $70 to diagnose the problem,$100 for a new hard drive,the problem being old one was fried,$100 for repair plus tax so..since my old pc was about 2 1/2 years old and I wanted a laptop so I wouldn't have to sit in my unweatherized,freezing,dark home office..I just got what I wanted,lol..I come out ahead in the long run but fwas inconvenienced as had to use the computer at the library for the past 3 weeks! ugh...but, I am smiling NOW! The Dell mini laptop Intel Atom costed $ 270 with tax and free Fed Ex shipping! A real sTEAL!

Plugged in my Magic Jack for internet phone but all I get is dial tone and can't make a call so I need to get some help with this! ugh..I will delay my review of Magic Jack for another day.,

Wednesday, February 25, 2009

SAVE $$ on Gas..

Yeh the price of gasoline is going up again so go Read this if $$ and saving it matters to YOU!!

Tuesday, February 24, 2009

Visit your local library and save..

by not buying books,magazines,cd's,dvd's and renting them instead!

Save money on your rent! How? Screen your landlord! Then what? If he's a jerk who you think might be a slum lord who doesn't like to fix things,like his properties,then move in! Sound nuts? Not really! Why not? Well, when you move in,make it as livable as possible and then when you demand he fix things and he of course doesn't, then withhold the rent! Legal,Heck yes! Just remember to deposit it in a separate bank account and tell him in case he decides to evict you and take you to court! What to do til then?! Sit back and wait,like a spider,weaving his thread. Don't forget to laugh and thank God for your good fortune.

I find myself in a similar set of circumstances once again..First he has to give me an eviction letter. It may be arriving tomorrow. I predict after the 30 days,he won't get a court date til at least 5/6, that means April rent will be free as who pays someone when he is evicting you?!
He plays right into my hands...He is so predictable. He claims he doesn't have the money for the repairs. Then why is he renting the place out? It should just be a little summer cottage. What a jerk!

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Friday, February 20, 2009

SAVE $ on laptop at Tiger Direct

and save the environment too by recycling. You get money back on recycling your old computer. Plus a computer laptop only costs $399! It includes a web cam built in it.

Use Eco-Canteen Bottles and SAVE Big$$!

by not buying drinks but just filling up the bottle with cool water or some healthy juice from the frig! Is good for your pet too as yo can carry the bottle on you when yo walk the dog and hydrate Fido too! REad more

Wednesday, February 18, 2009


lost the widget here temporarily. ugh.

Buy a dog bed at Walgreens for $10!

This little cutie needs a home! Go to Petsmart site to learn more.

Yeh I bought a nice dog bed today for my dog Brandy at a steal, for $ 10. She seems to adopt my pillow leaving me with nothing to use to pt my head on so I got this to remedy the situation,fast!

yesterday i bought 16 pounds of Nutro Max cat food at Petsmart for $ 19.50. Is good stuff as has no biproduct and is preserved naturally. I gave to Petsmart's charity too. Link above.

Friday, February 13, 2009

Save Money this VAlentines day and don't go broke for LOVE!

REad more

More ways to SAVE BIG!

OVer 1,000 ways to save $$$!

Frugal Dutchess

REad more

40 ways to save money!

 excerpt here.   'One of the biggest challenges in personal finance is figuring out ways to reduce the regular bills that we all face each month. These continuous regular expenses simply fill up our budget, leaving us less money to invest for the future – and also less money to spend on things that we enjoy.
The best approach for trimming required spending is to simply walk through all of the required expenses and look for ways to lower that number. Here are forty techniques you can use to do just that, divided up into several sensible categories.
Automobiles are money pits – they constantly go down in value, devour fuel by the gallon, and often require all manner of repairs and maintenance work. How can we reduce the cost of automobiles in our monthly budget?
Read more here

great frugal tips on this blog.

Save with SaLES,coupons,rebates...

At Michael's, the craft store, there is 40% coupon for one item til Valentines day. Peebles, who normally has sales up to 70%..as is getting rid of their old stock, has coupons for an extra 20% for President's day. Petco has a $5. pet product coupon. Macy's has big sales throughout the store as is hurting because of the economy. Am sure there are othere stores but I can't think of them off hand.

I also have a 10 % coupon for Dell, if anyone is interested. I had to get a laptop as power outages damaged my hard drive and the room in the back that is my office is too cold to use anyway so now I can take the laptop anywhere and use it! I got it for a great price through Dell, for $ 260, which included tax and shipping.I also have coupons I get from the newspaper like on diapers that I don't need. You can alos get coupons at the store circular, like I just saved on a gallon of milk for $ 1.99 You can also use the machine as you enter the store if you put your store card in it at Price chopper, to generate more coupons. You can also get them online.

You can also save on your phone bill with Magic Jack. It is like an online phone. Only this one costs $ 40 for the year and then you pay $ 20 a month after that but still is less than Vonage! You can also save on tv by watching reruns like the Bachelor and the Housewives of OC, a week later, and catching the recaps at their web sites, on the computer!

I just got an antennae for my converter box so hope to be able to watch tv, without having to pay cable,soon.

I also got help through HEAP with my electric and propane bill so I didn't have to pay for propane this year and will pay less on the electric. DOH will pay towards the bill as I am in a program for people with disabilities.

You can also get a scholarship if you are poor, to enjoy the Y's pool and workout and places like the HOH, Hudson opera house, teach art and writing for free if you qualify.

SBDC has classes in topics like copyrighting and the law, and one is coming up for FREE on how to write a good business plan.

If you know some good places to get something cheap or Free, please let us know by posting here! Thanks!

Sunday, February 8, 2009

Too Cheap to buy Furniture Polish?!

Make your own! REad moreDid someone say oranges?!

SAve BIG on your healing and cooling bills with Mylar!

"I'm just trying to stay warm in this house as my owner don't give no heat, damn it!"

Yeh I mean the space plastic wrap used to save your life when you go camping or hiking! REad more

Thursday, February 5, 2009

Tuesday, February 3, 2009

Cheap,Frugal..What's the difference?!

Being frugal, means you like a bargain and rather save your money than waste IT frivolously. You can be quite generous however in many other ways like with your time and giving of yourself. being cheap means that your back hurts from stooping to pick up pennies as you walk down the street! Cheapness isn't a matter of practicality but rather is like a disease. When you rather freeze than put on some heat even when your 85 year old grand mother is visiting, That aint being frugal but just good old wrong!

Take the quiz to find out if you're frugal or just plain CHEAP!


1. Do you walk or take public transportation rather than drive even though you own a vehicle?!

2. Do you carpool to work even though your job is across the street?!

3. Do you own a television but instead watch your neighbor's, through their window?!

4. Is your idea of a good time, cutting coupons?!

5. Do you wear your husbands donated clothes?!

6. Is your idea of eating out, going to McDonald's for a dollar value meal?!

7. Do you not own a book case or a book because you won't buy a book when you can get it free at the library?!

8. Do you heat your home with solar panels you made yourself out of last night's tv dinners?!

9. Do you conserve water by taking a bath or shower once a week and use baby wipes to clean yourself instead?!

10. Last but not least..(good grief!) is your idea of a vacation, going to your local park?!

If you answered yes to more than one of these telling questions, you are not frugal but a tight wad!


sample of Aveda

My new beer bottle cap jewelry

My new beer bottle cap jewelry
by Artzstuf

Reused Clothing..





YARD sale..weekend

YARD sale..weekend
more info on Craigslist



Skiing... on the Moon!

Skiing... on the Moon!
WednesdaYS, LADIES' dAY, HUNTER mountain $53.