My Favorite Bargains

These days, we are paying off credit cards and otherwise making the effort to get our finances in order. I have become very interested in good ways to cut costs, and have compiled a list, in no particular order, of my top 45 favorite cost cutting measures:

Let's Save Money!!
Let’s Save Money!!
  1. Dollar Tree sunglasses and reading glasses – They are always only $1.00.  And they work good.  Many are quite stylish. I usually buy 5 at a time and put them everywhere.  If one breaks, no big deal.  Just toss it!
  2.  ALDI – If you don’t know about this little grocery store, and if you can find one in your area, it would be worth your while to run in there with pen and paper and jot some prices down, then compare with your regular stores. ALDI saves us on average, a third on our overall grocery bill. It’s small, they only stock popular items. Bring your own bags. They have a nifty way of holding your 25 cent  deposit to use the shopping carts too, giving your quarter back to you when you return the cart to it’s proper place, so they don’t have to hire parking lot attendants. Very high quality food! I am amazed with ALDI!!
  3. Vital Gluten – If you like to make homemade bread, this is a great tip for you. Bread flour is expensive, but you can add vital gluten to regular all-purpose flour and it makes wonderful bread! Inexpensive! Rises really pretty!
  4. Global Pharmacy Plus – If you don’t have good insurance for your meds, this is a definite good place to check out.  It is an online, overseas pharmacy that will sell them to you at a fraction of the prices in the US. They also carry pet meds for about 1/2  price. They have been in business since 2003 and they have good customer reviews.  We have ordered twice so far from this company, and have had a good experience .
  5. Pet vaccines at home – You can get everything you need to vaccinate your pet at Tractor Supply Company. They cost a lot less than taking your pet to the vet. This one I have not tried yet, but I am moving in that direction. Go to How to Administer a Canine Vaccine for detailed instructions.
  6. 0% Interest credit card balance transfer offers – These are real offers that come in the mail.  They can help you get your credit card debt under control.  They usually allow a year or 18 months to pay off the transferred balance at 0%.  There is usually a fee up-front, but it still pays off! Pick a familiar name you trust, and apply! I can vouch for Bank of America .
  7. Bananas – They are so cheap! A peanut butter and banana sandwich makes a delicious and nutritious meal with a glass of milk on the side.  Just a banana and some milk is very satisfying!
  8. Eggs – Packed with nutrition, they have been described as the perfect food. When I bought eggs the other day, the cost of one was just over 16 cents.  That same egg has 6 grams of protein and lots of other good stuff.  Way cheaper than most protein sources. I like them poached on dry toast.  Delicious!
  9. Christmas savings plan – I really enjoy the Christmas season, including Christmas giving, However, I do not look forward to that big bill that comes later.  This year I am prepared. I have decided to divide my Christmas giving budget by 12, and each month set aside that small amount in a Christmas fund at the bank. So when December rolls around, the money will be there. No need to use a credit card that way!
  10. Walmart.com – This is a great online store. I sometimes need items not normally on my list, and very often I can find them here at a great low price. They have a good customer review system for comparing products. If you order $50.00 or more, the shipping is free. And you can fill out your order with regular, everyday grocery items if needed. The list feature allows you to look up items in advance and add them to your cart as needed. So you can spend a little time looking up some of your basics and have them ready in your list. Say your item was $45.00 and you need $5.00 more for free shipping. Peanut butter would work. Same great Walmart prices. I needed glycerin bar soap, not easily found in stores but a nice selection at Walmart.com. 6 bars, only $2.96. Mom needed a few items, so we split an order to get the free shipping. Another great way to save! You can find high quality, hard-to-find stuff at Walmart.com. Tons more selection than in the walk-in store! Delicate items like chips, crackers, and cereal don’t ship that well. Neither do liquid items like hand soap.
  11. Ramen noodles – Cheap as dirt and quite delicious. Easy to make. Warm in the winter. You can fancy them up with added ingredients such as a can of cream soup, some Velveeta, and some broccoli or asparagus, which makes them extra good! If you work them into the week, they can help you hold your grocery bill down.
  12. Dry beans, peas, and rice – Very cheap, easy, delicious, and loaded with good nutrition. They will conserve the grocery budget!
  13. Homemade buttermilk -If you are a buttermilk drinker, you can save quite a bit by making your own. Super easy to do. Use a 3/1 ratio of milk/cultured buttermilk in a quart mason jar (Bulgarian works too). Cap it and shake up well. Let sit on the counter in a warm room for 24 hours, then refrigerate.  It will last for weeks or until you drink it. Save the last cup to start your next jar!
  14. Save your receipts – Probably my biggest pet peeve! I go to the store, buy some delicious looking fruit. Bring it home and bite into it…YUK! Inedible. so now what? Don’t lose your receipt. Take that stuff back to the store!! Get your money back!! If the milk goes bad a week before it expires, take it back!
  15. Champion Energy – This is a great electric company based out of Houston that is saving us a lot of money on our electric bill each month. Our bill has gone down by about 1/3, I would guess, since we switched companies. If interested, go to Champion Connect-A-Friend . If you sign up and use my code, you and I will both receive a one time boost of $25 off our bills.
  16. Free crochet patterns – I get a lot of good ones off Facebook.  Yarn is pretty cheap too.  It’s a great hobby.  Very satisfying and I have been known to make a buck or two with this one.
  17. Bic Cristal pens (blue cap) – They are the best pens.  They write so good, they last a long time, you can get 10 of them for less than $1.00 at Wal-Mart.
  18. Thrift store clothing – When I first checked into this, I was amazed.  I’ve checked out several stores and found beautiful, like new clothes for very cheap.  Saves a lot of money. Especially for the every day stuff.  I am proud of my thrift store clothes and enjoy them very much!
  19. Single serving coffee makers that let you use your own grounds – It’s the only way to go if you need a single cup.  Our Hamilton Beach coffee maker can brew a big  pot or a single. Has a little bitty permanent filter, just pour in the grounds.  Big money saver over Kuerig. This is the one we bought.
  20. Great Value Orange Early Rise drink mix – This is delicious! Tastes and looks very, very much like real orange juice. Inexpensive.  Did I say delicious? 5 calories a glass.  You can find it at Wal-Mart by the Crystal Lite drink mixes.
  21. Vinegar  – I’m not sure there is anything vinegar can’t do, and it is very inexpensive. I use raw apple cider vinegar as a supplement and I believe in it. I use white vinegar to clean  the coffee maker and tea kettle. It is a great cleaner for all kinds of things.  Go to Uses for Vinegar and learn more.
  22. Basic supplies – While you are checking out the uses of vinegar, also search for uses for alcohol, hydrogen peroxide, bleach, baking soda, and so forth. There is a lot you can do with these basic items. They are all very inexpensive and are the main ingredients in various recipes for homemade household cleaners and hygiene products. Many of them are very easy and work very, very well. This is worth spending a little time on.
  23. Pay off home loan using amortization schedule – As long as it is specified in your home loan, that there is no penalty for pre-payment, you can acquire an amortization schedule and it will guide you through the nitty-gritty details of your loan. You can use the information to make steady pre-payments on the principal balance.  In the end, you can knock years off the life of your loan, saving many, many thousands of dollars in interest.  We did this with our first home, and paid off the 20 year note in just 4 years. Get an amortization schedule for your home loan here and start saving some serious cash!!
  24. Ladies – Fall in love with a good man who has some skills in the area of home repair and improvement, also car maintenance. He will save y’all a ton of money!!  That can be as good as an extra paycheck. Trust me!!
  25. Learn to cook – Cooking can be a very enjoyable way to spend time. It can heal relationships and bring people together. And it helps out on the budget a lot!
  26. Look into 2nd-hand cars – There are a ton of good ones out there in every price range.  If you do your homework, you can find a real good car for much less than the price of a new one. We got the one we have now on craigslist. If you can pay cash for it, your whole quality of life will thank you.  You can relax and live a lot better when you are not burdened with a car loan!
  27. Spend your time wisely – Fill your spare time with plenty of fun hobbies and interesting projects, that have very little to do with spending money. If you do this, not only will your quality of life improve, but you will most likely always have plenty of money when  you need it, as well.
  28. 70 page spiral notebooks purchased in August – During school supply season, you can pick these up for a song.  The ones I bought last year were 17 cents each.  And they are quite handy to have around.
  29. Large index cards – These are plenty cheap too, and they are great to use for making lists.  Very handy and sturdy.  I use them a lot.
  30. Straight Talk with Verizon Towers – I recently had a blowout while driving by myself late at night and my phone service did not work. I switched to Straight Talk, which offers the best towers (Verizon) at half the price. I really don’t want that to happen again, it was creepy!
  31. Super  Laundry Paste w/Lavender Softener – I make this and offer it for sale, but I also encourage people to try my detailed instructions, and make it themselves.  128 loads for just over $2.00. Excellent, high-quality detergent.  Go to Make Your Own Super Laundry Paste w/Lavender Softener  and check it out!
  32. Generic over-the-counter meds and supplements – We all know about this. One of my favorites is Omeprazole, which is generic Prilosec. It is like a miracle drug for acid reflux.  Generics are a great way to save money!!
  33. Decorating the house with old stuff – I have to admit, we have the cutest little house.  All done with garage sales, estate sales, and a few family heirlooms. Throw in a little hand crafted stuff, and so, so cute! Cost practically nothing!
  34. A fan  to minimize AC  or heating requirements – Ceiling fans are wonderful and make the AC go a lot further. In winter, flip the switch and they help A LOT with the heat too.  We also have several nice, all-metal, 9 inch fans that we position around the house in summer. They are not ugly, or so big as to cramp up the space, but they do help, A LOT!! Above and beyond the ceiling fans.  You can set the thermostats higher if you use them, and you will enjoy a much more even cooling of the room.
  35. Weatherstripping and insulation – It required an investment, but this made a huge difference for us when Glenn added it to our place. We went from a drafty old house that would not hold the heat or cool, to a nice, cozy place that stays warm in winter and cool in summer. Quite reasonable electric bills, also.
  36. Pet Doors – They keep us from having to open the door so much when cooling or heating, thus saving on the electric bill.  And they do stay pretty much air-tight around the seal. They also save tons of bother and frustration when it comes to letting your pets in and out all the time.
  37. Tap Water – I’ve been drinking bottled water for a long time, but Glenn never would go for it. We have decent water, but it doesn’t taste like bottled spring water. I decided I will keep a case of it on hand, and a few of them at a time in the fridge because they can be handy.  But 90% of the time, I can get by on tap water. I like to put a pitcher of water in the fridge with a few thin slices of orange, lemon, or cucumber, whatever I have on hand. It’s an extra nice way to drink water,  and saves me around $10 a month in winter, and more like $30 a month in hot weather months.
  38. Cloth Napkins – We used to go through tons of paper towels. And I buy decent ones, because I don’t like the flimsy ones. These can be pretty pricey, when you consider how many you use in a year. I went to Wal-Mart and bought 2 yards of a medium weight, 100% cotton fabric. It was 54″ wide, so I divided each piece by 12 squares. I cut them up, zig-zagged the edges, and made 24 nice cloth napkins. We use them at the supper table and also to wrap food items for microwave heating. Wash and reuse, perfect! We were using paper towels for all of that.  I keep a stack of wash cloths in the drawer right beside them, for messy clean-up. I still keep a roll of paper towels in the kitchen. But they last and last and last and last!
  39. Clean out the freezer and pantry – I don’t know about you, but we have a mountain of good food on hand. I tend to store things and leave them there. It won’t stay good forever! So, now we are using up all the food we have stored. I’m cooking more as a result, and it’s really gentle on the grocery bill. There is very little that we need to buy during a time like this. Once we have eaten everything, we will probably work at stocking it up again. Because it is really good to have food on hand at certain times when there is an increased demand on the household budget. But it does need to be kept reasonably fresh, or it’s just throwing money away. Thus, it’s important to keep it turned over.
  40. Postpone purchases – Do you really need it right now? I run everything through that filter before buying. And I find that often, I can put off a purchase for quite awhile before I actually have to lay down the money.  Many times when I do this, I will eventually find that I never did need to buy it.  And so I just forget about it, mark it off my list. I save quite a bit of money doing this!
  41. Make your own greeting cards – This is a fun and creative little money saver.  There is so much you can do with a computer and printer! Once you get set up with a card-making software, you can make really pretty cards, just by adding images and text. You can then print, and embellish them. Or they can be done completely free-hand, with paint pens and markers. You can get really fancy too, with ribbons, buttons, doilies, fancy paper, glitter. There are just a few that I need every year and this year I am making my own, which will add a personal touch and save me money,
  42. Pay attention to amounts – Especially when using cleaners,  or something that is not critical to be measured. The other day I noticed that the dish liquid was going down really fast. I began backing off of the amount each day, little by little. I discovered that I had been using around 10X too much each time I washed dishes. I did the same thing with my shampoo, similar result! It only takes a little. Paying attention to amounts when it comes to using laundry products, hygiene products, and bathroom and kitchen cleaners can be a big money-saver!
  43. Mend clothes, prevent or treat stains – This can make your wardrobe go a lot further! A sewing machine is a good investment, but for most things you will only need a needle and thread. YouTube has great how-to videos on this subject. Wear a chef’s apron while cooking and washing dishes. I have a lab coat that I wear for other messy jobs. And I have learned that if I pay attention to the way I sit at the supper table, I spill things a lot less often on my shirt.
  44. 1000bulbs.com – I have not ordered from this place yet, but I have been checking out their prices and looks to me like we can save some serious money here. Shipping seems reasonable. I guess they sell just about very kind of light bulb imaginable! Though LED bulbs are expensive to purchase, I plan to try them out from this place, because I have heard that in the end, they are the most economical way to go. I’ll post more when I know more.
  45. The little things – If you are through with the light, turn it off. If it warmed up some outside, maybe you can turn off the heater. If your destination is within walking distance, don’t drive, get some exercise and save the money. These ideas might go without saying. Though when I should have thought of them first, only now as I kick my savings plan into high gear, do they come to mind. When you add up the little things, they can amount to BIG savings!!

Except for a couple that I am still evaluating, these are a few tried and true ideas. They earn my seal of approval, and I am using them all myself! Happy budget-keeping everybody :)

2016 New Year’s Resolutions

Happy New Year!
Happy New Year!

The last week of December has been great fun! Our family Christmas gathering on Saturday was so nice! I saw cousins, nieces and nephews, my son-in-law, and I especially enjoyed spending some time with my precious daughter. Glenn and I spent Sunday afternoon remembering 2015, a good idea for a year-end tradition! After that, everything has been forward-looking. I put a lot of thought into how I hope next year will unfold, and how I might help my goals succeed. Then I got busy tying up the loose ends of 2015, so that the new year could arrive on a clean plate.

There were just a few things we needed, to clear the way for 2016.  I’d rather not be sitting there when the ball drops, holding my old tired list of things that still need doing.  So we just got busy and cranked out some work. Glenn and I got the flu shots that we forgot in October. He tackled a big computer repair job and fixed everything good as new! I got the house cleaned back up after the holiday; handled important phone calls, mail, filing, online account maintenance, changed out filters, batteries and hard-to-reach light bulbs; laundry; an impromptu doctor’s appointment; cleaned the coffee pot.  I would have put away the Christmas decorations, but Glenn is still enjoying them :) Now we are as ready as we can be!

It required a lot of reflection and consideration, but I narrowed it down to just a few things that I consider to be the most important goals for the new year. These are the things that I will get busy working on.

  • Weight Loss – I got a late start on this in 2015, but I am glad I did it. Because I lost almost 20#, which is that much I will not have to lose this year. I worked out some kinks and developed my rhythm for this task, as well. I’ll keep on calorie counting because it is working for me, and I will add a fitness work-out in the very near future.
  • Financial Stability – I have been dependent on credit cards way too many times in my life.  They are an alluring crutch. I have managed to get myself out of debt numerous times, only to repeat the cycle over and over. We put the cards away, and will do this one more time by postponing every expense that we can possibly live without. Upon reaching our goal, we will open an account to cover unexpected expenses. By the end of this year, everything will be arranged so that we no longer need credit cards.
  • Time Management – According to my Dad, repetition is necessary to train the mind.  I can use that.  I have a real problem with my unruly mind sometimes! I avoid things that are important; things that I desire to be good habits in my life. It’s like sometimes I can only be content to work against myself :( So I am attempting to get on a schedule.  There are things I will do each morning, at mid-day, and in the evening.  I’ll do certain things on certain days of the week. I think someone might have to dangle some kind of carrot in my face.  Some days, this will be very difficult! But if I succeed, it will be such a positive change, full of important rewards.

Not many things can compare to the faith and hope generated with ushering in a sparkling, fresh new year! These are my 3 big goals for 2016.  And each of them can be broken into smaller goals. So there are a lot of great things here, to be accomplished. When it comes to new years resolutions, I generally, always make progress. For that reason, I feel confident that at least some of these goals will make it to my reality over the course of this year.  And once they get there, I will own them :) How exciting! I can’t wait to get started!

:) HAPPY NEW YEAR, EVERYBODY!!