= 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!

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!

uSE AND APPLY FOR FOOD STAMPS AND SAVE ON FOOD TOO.

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.

FREE

FREE
sample of Aveda

My new beer bottle cap jewelry

My new beer bottle cap jewelry
by Artzstuf

Reused Clothing..

SAVE & MAKE

SAVE & MAKE
$$$$$$$$$$$

save

save
clip..coupons

YARD sale..weekend

YARD sale..weekend
more info on Craigslist

eNTRECARD

eNTRECARD
dROP ON ME!

Skiing... on the Moon!

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