= 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!
Showing posts with label blog. Show all posts
Showing posts with label blog. Show all posts

Sunday, May 25, 2014

Saved $12. at Price Chopper today...

'shop smarter, live better!'

I bought a lb. of American cheese for $ 1.99! Had store $1. coupon and manufacturer one for $2, so saved $3 on cheese already on sale for $ 4.99.  Water melons were on sale for $2.99 each and milk for $2.99 a gallon. Also got 1 1/3 lbs. of ,already cooked for $3.99!

Thursday, April 24, 2014

Save money, eat expired food...

'be frugal'.

not necessarily bad  Food pantries often freeze meat so says like March but still good as was frozen.  They hand out stale bread and bruised fruit, veggies too, donated from grocery stores locally. Can still work though. Great for soups and juicing. Read more here.

Saved money and ate home tonight...

'be frugal'.


Friday, April 11, 2014

Save money, watch videos, listen to music online..

'be frugal'.

on youtube.  watch here. Watching talent shows is very popular. look at the voice, America's got talent, xfactor and American idol to see what mean.

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.


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

Wednesday, January 29, 2014

went to food pantry today..

'here's to your health!'

got some ginger pesto sauce,some olive oil soap,a couple of cans of beans,candy canes,bagels donated,eggs,eggplant,wilted broccoli head,an onion,a cucumber,salad mix,pasta,including spaghetti,egg noodles and elbow macaroni,fruit cocktail.,vienna sausage. Value saved about $24. all adds up.

Sadly since got $11. social security increase,1.5%,rent upped $3. Had food stamps cut about $8 so no increase really.

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.


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.