= 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!

Tuesday, December 31, 2013

FREE coffee,Mcafe at ..Mcdonalds

Live frugally.

now til end of week.

Also saved money today at HATAS and got some free clothing for self(2 acrylic head bands,some scarves,gloves) and neighbor who had a baby and friend.(an LL Bean vest) Happy New Year.

Sunday, December 29, 2013

Went to Capital City Mission for..

xmas dinner. Was ok and had to stand online 1/2 an hour in bitter cold for presents. lame. Got some makeup and bath products. Also got some free baby clothes for poor neighbor who had baby. Went to Price chopper yesterday and got some dog bones with xmas design on them for 50% off. Got m&m's for 99 cents as were from xmas. great price! best see for 3 bucks. had pies for $1.99 too!  Got 2. Basically buying on sale is the way to go as can use money save for other things pricier like..uh..oh I know booze. happy new years a coming!

Monday, December 16, 2013

Save money by taking care of what own aready like...

your clothing.  Be careful of stains and if get one promptly launder to preserve the item. Promptly repair car if needs maintenance. Package food properly so doesn't spoil. Use food before expiration dates. Take care of health too as much as possible by eating right,exercising,going for regular check ups to prevent major illness and expensive doctor bills. Take care of pets too for same reasons.

Thursday, December 12, 2013

Went to Equinox thanksgiving dinner in Albany and...

plan on going to the Mission for XMAS as am alone and not cooking and poor so going to save money this way.

Went to Michael's craft store yesterday and..

got a mini XMAS tree,1 ft. for $2.! Also got a chess game for 50 cents. cool. I also went to a shop on Central Av. and got my $25. back as was not Chloe perfume but a cheap knock off! shame on you.  Also got a fleece throw blanket at Walmart for $ 2.89!  Was looking for something to throw on hard wood floor by my couch so this works and cheaper than a rug. Just want something warm on floor when get off couch with no shoes on so feet aren't cold.

Saturday, December 7, 2013

great deal!

went to Sears outlet store in Albany in Walmart plaza the other day and bought several pair of panties and name brand bras for a great price. the bras were buy one get one free for $3.00 and the panties were $3.00 each. They weren't my size as didn't try them on there but did when got home. Will return them for my size soon. I went to outlet store in Massachusetts and spent $32. a couple of months ago,not a good deal.

Saturday, October 26, 2013

Went to FREE art class today at...

library in S. Deerfield, M.A. where I live half of each month. Was fun. Made art boxes.  I also talked briefly to the teacher about me teaching a class or two there for cash.  Need to talk to the director of the library about this.  Earlier in week took a writing class down at cafĂ© in building am staying at for $25 for two hours. We wrote short stories or rather story openers. fun. Also attended a book signing and met the author and bought one of his books on autism and how he deals with it. Inspiring! I go back to NY Monday as need to water my plants. Hope they made it. .Are of the tough variety so trust did.

Tuesday, October 1, 2013

Monday, September 30, 2013

Saved $ Big!

This past week end went to Price Chopper, a local super market for my weekly shopping. There I got a newspaper loaded with three packets of coupons,easily paying for the $2.oo newspaper. Last week only had one in the paper. Found many coupons will surely use as use these items normally.

I also bought 2 28 pound bags of scoopable cat litter made by a less well known, generic store brand, 'Pristine Paws' for $14. Normally pay that for 20 lbs. so good savings. I also bought 128 oz. of generic store brand 'Clear Value' bleach for .99! Normally $2.50.    Saved $19.50 but sadly the weight from all this broke my cart and had to toss it(had spent $32. on this flimsy cart at True Value(or Tony Fallon Hardware, owned by my exfriend Tony who accused me of stealing his credit card. Read more on this soap opera topic on my Closer to Sane blog) hard ware store in Cairo, NY. was always a problem as wheels bent to sides.) Took a loss of $12. but saved in long run with the many coupons.

Had taken a hit last mointh when I had to buy another bike(mine was stolen) from a yard sale for $30 and then it was vandalized(tires slashed),out $30.  Neighbor gave me a knock around bike so helped but still...

My motto is to save as much as can so can enjoy things normally couldn't afford. I treated myself to a hamburger and fries for $5. and a large cheese pizza from 'Bella Pranza' local pizza joint, for delivery for $6.99(had coupons). Saved Saved a buck after delivery and tip but every bit counts.

Thursday, September 12, 2013

Went to Survival Center today...

in Amherst,Mass.  Ate a free healthy lunch,got some free food from the pantry and some toiletries. Included in the mix was rganic,fresh,local produce soap from the Middle East,Tom's of maine tooth paste,Colombian coffee beans(have a grinder) and castile soap which is terrific stuff. Extol it's virtues further on my  blog. On way home saw some sunflowers on side of road growing wild. Picked one and then was yelled at by the man who guess owned the land saying  was on 'private property'. Some lady from the farm stand across the road ran over for payment. My friend gave her $2. Acted like was stealing a car load instead of innocently picking a wild flower. geez.

Wednesday, August 14, 2013

Get a tax break by extreme couponing...

Normally I don't condone this strange behavior which is similar to hoarding but...If giving to charity then it is ok and not only that profitable when you can get a tax right off on what you give! ex. $1,000 food and toiletries donation bought from manufacturer,store coupons and sales.

For more on this topic on my blog, go to former post on extreme couponing from August as just updated it as saw another extreme couponing program on TLC and learned more about this new bizarre trend that perhaps isn't all that odd after all in these hard economic ties! Share your thoughts on this topic here now. Thanks!

Sunday, July 7, 2013

Yard sales are a great place to get a deal...

Yesterday went to one and purchased a couch, a two seater and an air conditioner for 10 each and a microwave for 7 and an area rug for 5 and fan for a buck. Yeh they're used but in good shape and where can you get them
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for this price? Will give them to my friend who needs them.

Wednesday, July 3, 2013

Save money and stay home this summer..

If you're anthing like me, I am a huge fan of HGTV,especially shows like love it or list it or Cash and Cari or flip this house..I think you are getting the picture. There is huge money and interest in this poor economy with saving money and improving on the homes we have and items in our homes like antique furniture,restoring it,rehabbing our homes with new appliances,knocking out walls for an open plan,fixing other's homes and making a profit selling them and having yard sales,going to auctions and so forth. Many will still be on the roads traveling with gas prices soaring this time of year but many like my self will do day trips to cooler places like VT,as live in NY,Mass. and NH and make my home friendlier on the eyes and staying home this summer!

Tuesday, June 4, 2013

SAve money being Green..

Think cheap!

One should minimize plastic use by using Brita water and own containers of aluminum for one. Read more here.

recycle too.

my tip is to compost as often as can as minimizes trash may have to pay to remove if own own home.

Saturday, June 1, 2013

Disabled and veterans camp and...

can go to museums,etc. for FREE! Also 50% discounts for night sleep overs,use of electric,etc. About time we got something,huh!? Ofcourse seniors get discounts too. Read more  here. As we know,travel in general on local buses,buses are discounted by 1/2 already. So travel cheaply and enjoy your summer folks! Read more on camping free in state federally owned state parks for disabled and veterans here. Click word here for link to more info. You need t6o show your veteran,medicare cards to get discount. Don't gforget to join AARP and get discounts there too. Click link here on AARP benefit discounts.

Monday, May 27, 2013

Pay your bills on time to..

save money.  Real simple advice but good advice if you take it. No gimmicks. Also use coupons and buy sale items that you will use in this life not the next. What good is having so much crap around you need to rent a storage locker? Yard sales are good too but again buy whAt need. Also can buy other people gifts from there too. tAKE CARE OF CLOTHES AND STUFF HAVE THOUGH TOO SO DON'T HAVE TO KEEP BUYING STUFF. Uh..what else? join AARP and buy insurance and travel cheaper with discounts from there. Go camping,travel Europe by rail,stay at youth,elder hostels instead of motels,hotels. Make own coffee,use water from Brita filtered bottle instead of buying drinks out,eat in as much as can,brown bag it.Yeh you can live well on little if you use your brain. Download FREE music,movies online and save and be kind to environment by not buying dvds,cds. Also don't pay for phone but use Assurance wirelsss if disabled,poor. Watch tv,use free internet on free wifi instead of paying alot for cable,net.

Also use HEAP benefit if qualify to help pay heat bill. Also live in subsidized housing if can and have part of rent paid. In some cases,tv,net,utilities,heat included!


FREE Ellie song. Click link.

Sunday, May 26, 2013

Show on T.L.C. on extreme couponing..

focuses on people who clip coupons to save money compulsively. Rather than save money,they buy hoards of stuff like 20 ketchup,will never use in a lifetime. Would make some sense if donated some of it. In some case,do,begrudgingly after being pressured by frustrated family who are sick of the items invading their homes. I think this is alot like hoarding. Yes they save like $600 but have alot of things hanging around. Shouldn't buy more until exhaust stash have.

In some cases,make money from coupons as saw in one instance item was 5.99 but reduced to 1.99 and had coupon for $2.50. money owed to from store goes to noncoupon item. Now remember these people buy like 20 items so is $10 to say meat.

Now can look at this from another perspective as perhaps these families are blessed or rather these hubbies are,not to have wives with gourmet tastes. Instead of satisfying their compulsiveness and addictive personalities by shopping,they do this. More cost effective certainly.  You may be asking self  where they get al these coupons. Well many of them dumpster drive! ugh. Can go to paper section of dump as have done it myself when times were tough and get free coupons out of dumpster,standing outside it. Many times they are bagged or tied in twine so not so bad. Great. don't even have to buy a newspaper lol.

I like saving money as much as next guy though..This weekend saved $25. at Price Chopper on food,etc. and at CVS on some food,another $10. Anything save is money that can be used for something enjoy. Friend Bill and I plan on camping this summer and traveling so money saved will go to this.

Between couponing,sales,not buying newspapers,you save a lot. Can also eat at soup kitchens and buy some groceries at food pantries. Also give out clothes and toiletries and pet food.  If live in rent subsidized apt.,use Medicaid,medicare for doctor costs and medicine,only spend money on car maintenance,gas and balance of rent after say an agency like RUPCO,section 8,soldier on,HATAS pays their share and on what can't get with coupons! Neat huh?!

Sunday, May 5, 2013

Save cash by selling clothes don,t wear...

Places like Clothes Mentor buy designer clothing and accessories for a third of what sell it for. Not much but beats zip which is what get from Salvation Army.

Saturday, March 30, 2013

Eat out 4 less....

click here and save money.Isn't just at Wendy's ut subway,Mcdonald's,papa john's...save a dollar on next meal. A dollar is a dollar is a dollar,ok?!


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.