Frugal Tips

Last week I introduced my new trend for my Frugal Tip on Friday.  Read my first tip here.

Another Little Thing:

Use old newspaper to wash your windows.  Newspaper has more friction than paper towels which helps get off spots.  If you don’t have a newspaper subscription, grab an add when you are at the grocery store.  This is a great way to get your windows squeaky clean and re-use old newspaper.

 

Visit Frugal Friday for more money saving ideas.

{ 2 comments }

My goal with my Friday posts is to give inspiration, direction, or ideas on ways to live a more frugal lifestyle.  As I was skimming a list of post ideas for something to post today, I had a little epiphany.

I realized that I have done a lot of posts about money management and budgeting and some of the BIG ways to save money, but I have not really mentioned a lot of the little things.   It is the little things that really make a difference in saving money. Saving $1.00 here or there with a coupon really adds up.

So over the next few weeks I will be sharing some of the little things that we do around the house to save money.  I would love to hear some of your ideas in the comments!

One Little Thing-

Photo Credit

Use half a dryer sheet instead of a whole one.  The clothes still smell nice, and the static is gone.  This way we buy dryer sheets half as often.

Visit Frugal Friday for more money saving ideas.

{ 2 comments }

Strive for Freedom From Debt

by LeaDawn on August 12, 2011

“It’s not what you are willing to do to be debt free,
it’s what you are willing to give up to be debt free”

-Dave Ramsey

A little over a year ago we sold Daniel’s truck.  We still shed a tear or two when we think of our old friend.  Since then we have moved 3 times, and a truck would have been a great thing to have!

In the last 16- ish months since we sold the truck we have saved $50 a month on auto insurance, $25 every 3 months on oil changes, $30 a year on registration, plus the additional gas and unforeseen maintenance expenses we might have had.  The biggest bonus is that we are debt free.

The past 2 years Daniel has had 5 different jobs and several periods of unemployment.  Having no debt and low monthly expenses has been a lifesaver during this time of variable income.  Though we miss the truck, we would make the decision to sell it to be debt free in a heart beat.

What have you given up to be debt free or work towards being debt free?

{ 0 comments }

Cut the Clutter- Part One

by Natasha on May 20, 2011

It is easy to fill our homes with stuff – some good stuff, some meaningless.  Daniel and I moved in January.  As we packed our boxes, we were able to do a little evaluating & de-junking. 

I realized during this process that one day- I hope in the not terribly distant future, we will live somewhere for longer than a year.  Then the dejunking process will have to become a part of our daily lives instead of a moving task.

Over the next few weeks I will share with you a few ways that we try to cut back on clutter along with ideas that I have for managing it as our family grows.  I am learning a lot from this moving stage of life that I hope will help me keep things simple as life gets more complicated.  I am excited to hear your ideas as well- so please share!

Step One: Evaluate Purchases
This is where it all starts- in the store.  Daniel and I try to evaluate our purchases based on budget & space.  In times when we really don’t have the money to spend, it is great to know how to substitute and do without.  Here are a few questions to ask yourself before you make a purchase:

  • Do you really need it? 
  • Is it in your budget? 
  • Will it improve your quality of life? 
  • Is there something you already have that would work as a substitute?
  • Is there room for it? 
  • Do we need to get rid of something else to make room for this item?

Using these questions to evaluate our purchases not only eliminates unnecessary purchases.  It also makes us more pleased with the purchases we do make, because we know they are items we really want and can afford.  This process significantly reduces clutter in our home.

{ 0 comments }

I watched the video in this post a few weeks ago on Money Saving Mom about a family that chose to live a no waste lifestyle.  I honestly had never heard of this before.  Of course I new there were a lot of people who were really good at recycling- but this is a big step above that. 

No waste would be a huge step for us, and I honestly am not motivated enough to do what it takes.  But this video inspired me to be better.  Wouldn’t it be nice to never have to take out the garbage?!  I think that there are a lot of little things we can do to simplify our lives that also reduce waste.

 Daniel and I thought of several little things that we do that save us money and also reduce waste:

  • Use a Tupperware container instead of a sandwich bag
  • Re-use freezer bags (not all the time, but the ones that aren’t too dirty)
  • Use towels & wash cloths instead of paper towels
  • Cloth diapers
  • Homemade nursing pads instead of disposable

Those are just a few simple, little things that cut back, but we are very, very far from a no waste lifestyle.  I do not currently recycle, so I have decided to start.  I know that it all starts with forming the habit. Natasha wrote an article on Reducing Food Waste you can read here.

What do you do to save money and cut back on waste?

{ 0 comments }

I’ve heard a lot of people say that it’s a lot cheaper to buy a whole chicken than it is to buy the chicken breast. I happen to be a big fan of Costco’s chicken breast and have only bought a whole chicken once, to cook for someone else, but I have always felt a little guilty paying so much more for the breasts instead of a whole chicken.

Kroger had their whole chickens 87 cents a pound a few weeks ago, so I decided to conduct an experiment. How much meat do we actually get from a whole chicken? What is the actual cost for the meat because we don’t eat the skin and bones that makes up for some of the weight.

First let’s look at the chicken prices. These are prices that I pay for chicken in the Memphis, TN area, your meat prices could be different.

5.5 lb. whole chicken at 87 cents a pound = $4.79
10 lbs. chicken breasts  $2.139 a pound = $21.39
*this week Schnucks whole chicken 69 cents a pound, 5.5 lb Chicken=  $3.80*

I cooked the 5.5 lb. whole chicken most of the day, then separated all the skin and bones from the meat being very careful to get each and every piece of meat on the chicken. Next, I weighed the meat and found that, from my 5.5 lb. whole chicken, I ended up with 1 lb. 12 oz. of dark and white chicken meat, the rest was skin and bones. Shocked? I certainly was, I figured I’d get about half the weight I paid for but I was wrong.
 
*Update: Thanks to the reader who suggested comparing cooked to cooked chicken-it didn’t even cross my mind. I did some research and the general rule is for every 4 oz. raw fish/poultry you will get 3 oz. cooked. I reconfigured the numbers below based upon this rule.

 WHOLE CHICKEN
28 oz. meat from 5.5 lb. whole cooked chicken = $0.171 cents an ounce
Actual price for meat  87 cents per pound = $2.72 a pound!
*Schnucks price this week 69 cents per pound for 5.5 lb. whole chicken = $2.17 a pound*
COSTCO CHICKEN BREASTS
120 oz when cooked/10 lb. raw bag chicken breasts = $0.178 cents an ounce
Price per pound =$2.84



If I were to purchase a whole chicken at Schnucks for 69 cents a pound this week I would save $6.60 (or 67 cents a pound) than if I bought the same amount at Costco. I purchased my whole chicken at 87 cents a pound which is a 12 cents a pound savings compared to chicken breasts from Costco.

There are better deals on chicken breast, in the area I live they go on sale for $1.77 to $1.99 a pound. However as I said earlier I’m quite picky about my chicken and have tried all kinds of brands but like Costco’s the best.

At What Price would buying a Whole Chicken save me money?  
 $4.95 for 5.5lbs. or 91 cents a pound = $0.176 cents an ounce of meat
CONCLUSION
This experiment was to  find out just how much meat was on my 5.5lb. whole chicken and the price difference from buying whole chicken versus just chicken breasts. If I want to save money, I should purchase a whole chicken at 91 cents a pound or less. Again, this is based on the my purchase price of Costco chicken breasts $2.139 a pound.   
However, it does take time to cook a whole chicken and if you’re not a dark meat lover, like me, a whole chicken might not be as valuable. I personally prefer to buy the chicken base from Costco, I don’t like the chicken stock from cooked chicken.

That being said, it is well worth my money and time to purchase breasts over a whole chicken. Now I can buy my favorite Chicken Breasts without feeling like I’m splurging.  

What about you? How do you buy your chicken?

{ 11 comments }

A great way to save on Christmas cards is to make your own. I used Adobe Photoshop to create my Christmas card and had them printed at Costco for 13 cents each. I printed 160 cards which cost $20.80 plus tax. I plan to use the standard envelope, under $1.00 for a box for 60 or so, for the few cards I’m mailing, but most of them won’t be needing an envelope at all. So for under $25 I can give away 160 photo cards!

There are often a lot of great print deals for 4×6 cards. I do have to say that I love Costco’s Photo center. They have great service, the BEST prices, and quick 1 hour photo printing (there is the option to ship as well)!
Here’s how I created my card

I quickly sketched a desgin on paper, then choose what colors I wanted to use. You’ll need a photo editing software to create your card, I used Adobe Photoshop. Photoshop is a great program for pictures, however, it can be difficult to use if you’re not familiar with it! 

Begin by sizing your card, I choose to print a 4×6 size. SAVE YOUR CARD, and continue to do so every few mintues! There’s nothing worse than loosing all the work you’ve done because something unexpected happens. 

I used squares as my overall theme so I started by creating a background, then layering three squares on top of each other, filling them with the colors of my choice. Below I have created three different squares.

I added one more square on the bottom of the card to create the overall basic layout of the card. 
I wanted a third color so I added two green squares to liven it up a bit. 
I have two pictures to insert into my photo card, one at the top with a green background and one in the middle over lapping the top photo and the bottom text area. I need a red background for this one to tie everything together. 
I then add my pictures-a special thanks to my hubby for a great job on the pictures! I should note that he fixed the pictures up a bit before I added them into the card. My youngest son’s head is from another picture that we took afterwords because we couldn’t get him to smile for the timer.
Next I typed the text I wanted and added some effects.

And finally I added the finishing touches. I felt my card needed some clip art. I browsed for FREE clip art around the web and found something that worked for my color theme. I then brought it into my card and added some effects.
 
Save your card and viola! I do suggest having one card printed before printing the full amount. In my case I had to bring in my border a little bit so it didn’t get cropped off. 
Now you can share your Holiday cards with family and friends and Save A Bundle in the process!
View other Frugal ideas at My Coupon Teacher and Life As Mom.

{ 1 comment }