= 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, March 31, 2014

Sunday, March 16, 2014

Save money by DIY..

'shop smarter,live frugally!'

Living green can put money in your pocket. Find out how here on my green blog.


Friday, March 14, 2014

Save money by making your own porn...

'shop smarter,live frugally'.

Now we know a lot of porn is free on the net like on hamster but still many frequent video stores where they rent erotica and sometimes buy it. This couple makes their own and her sis joins in on occasion. I am not lying. I couldn't make this up! Read more here.

Watch some thing funny here with Eva Mendez sex tape.

Wednesday, March 12, 2014

FREE! Marketing Strategy Video

'live well,shop smarter'.

watch here.  with Brian Tracy.  Watch this one too with Guy Kawasaki who worked with Steve Jobs.

30 ways to save money...

from blog  'Frugal for life' shown below.

A Minimum 30 Ways to Save a Dollar a Day | | 2 Comments »
This is a list of ways to save about $30 a month or a dollar a day. If you can do a couple of these, then you can save even more, like 60 or 90.00 a month .

Cutting down on what you have:
1 Cancel TV service or downgrade to a plan that saves at least $30 a month
2 Cut out buying one soda or coffee a day – make or bring your own
3 Downgrade/Cancel cell phone or landline service
4 Cut out one or two meals eating out
5 Lower your utility use (use cold water more, lower thermostat in the winter, raise it in the summer, etc)
6 Cut back on a bad habit – reduce smoking by ½ packs, buy fewer drinks when going out, cut the lottery buys down
7> Trade down in car or home and bank the difference you've made
8> Figure out what you pay for gas each month, drive one day less a week and at the end of the month bank the difference

Adding to what you already do:
9 Round up in your checkbook to the next dollar amount – bank the extra money at the end of the month
10 Use coupons and consider them money – every coupon used (or doubled) means you put that amount away
11 Find more and don't spend rebate checks, cash back refunds, etc
12 Found money in washer/street gets saved
13 Borrow from the library when the urge to buy comes up – put that money away
14 Bring lunch to work- calculate what you normally spend on lunch and save that amount
15 Buy generic and save the difference – keep a pen and paper with you to figure the savings
16 Check around to make sure you are getting the best deal for insurance – the difference goes into savings
17 Call credit card companies to get a lower interest rate – calculate the saving for the lower interest rate based on what you owe, divide by 12 and put that amount away each month
18 Write checks for over the amount instead of paying bank fees
19 Rent a movie instead of going to the theater and put the difference into savings
20 Stop off at the thrift store to find what you need before spending money at the department store
21 Sit down and do a budget- find out how much is going out from what is coming in and cut back on the areas that you are spending to much

Make money to put away:
22 Sell items in your house
23 Resell items picked up from yard sales or sell for family/friends and take a commision
24 Pick up trash, fix it up and sell it
25 Bank your raise- right there can be the whole year's worth of savings (~360$)
26 Bank your refund check from the IRS- Since you already are living on less
27 Offer to do odd jobs for neighbors/friends that you already do for yourself
28 Sell textbooks back – even if you've found them from the dumpster
29 Sell an old cell phone
30 Sell your expertise in tutoring, shopping for others or giving instructions on hobbies

Get real buying customers cheaply..

shop smarter, live frugally'.

or for close to nothing by using 'Stomper net', the name for getting this seo info for a good price to get Google placement. If on first page for let's say a specific key word like chakra jewelry would be good for someone like me so can be found by search engines and inevitably potential customers, visitors. This traffic is targeted too. You do this as opposed to say looking for your business under a keyword like jewelry where everyone else is. This way we create niche marketing. For this particular blog it would be keyword frugal blog, or keywords saving, making money online, home, entrepreneur. Says business is two things: innovation and marketing.

It's never been easier or cheaper to start a small business as it is now with all the free, cheap info available now on the net. Even having a college degree, education is not so important to be successful as many are designing web sites and fixing computers, offering computer help and so forth with skills acquired on own. As we know too, one can't depend on government or a company to take care of them forever which launched the rise of the entrepreneur. In fact fear is a great motivator.


Sunday, March 2, 2014

Saved at Price Chopper today..

I bought Brandy,my dog,dog treats,'Smiley's' by Beneful. They were on sale,2 for $7 and I used my coupon,buy one get one free for a savings of $4.50. 


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.