Tuesday, December 5, 2017

We're Debt Free!

Yes you read that correctly.  We are debt free.  I mailed off my last car payment today so I guess technically we aren't debt free until the balance actually goes to zero but I mailed it off so for us that's pretty good.  My car was scheduled to be paid off in 2020.  We are both so excited about this.  No mortgage and now no car payment.  I told my husband now we have to be hard core about building up our savings.  I told him we worked too hard to get out of debt we don't need more.

So that is my good news for the night!

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Sunday, December 3, 2017

Check Out this Blog

I have a blog that I think you guys will really LOVE!  It is down to earth blog by Rhonda Hetzel.  I think she lives in either Australia or New Zealand but either way I love the design of it, the photos, the content.  It is amazing!

Please give it a try.  I think you will like it alot.


Lay Offs

Well I thought this is supposed to be the most wonderful time of year............for some folks that won't be the case.  I have a facebook friend who said she got laid off Friday.  This is an older woman who says she has to work full time.  Fortunately for her, she was putting money away and trying to save as much as possible.  She said she noticed that the work was slowing up but it still came as a surprise. 

Are there layoffs in your area?  My friend lives in the Columbus Ohio area.  I've not heard of lay offs in my area yet. 

She is taking this news really well.  She has a strong faith and a strong work ethic.  I mean the woman already filed for unemployment and it just happened!  No moss grows under her.  LOL.  You know it's harder for older folks to find employment.  She has worked retail but really wants out of it.  It is tough to work retail, being on your feet for hours at a time when you are older. 

I hope this is not indicative of things to come.  I hope we don't hear of more layoffs. 

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image:  linkedin.com

Wednesday, November 29, 2017

Where is Froogs aka Frugal Queen

Gotta be quick here but I've been looking for the frugalqueen blog and keep getting a domain message.  Do any of ya'll know if she is blogging elsewhere?  I hope she continues as I love her blog.

Gotta go!  Back soon!

Friday, November 3, 2017

It's Fabulous Frugal Friday!!!

I am so excited because I am off today.  A day with no doctor appointments.  I can do whatever I want whenever I want.  And today I want to share just some very basic fabulous frugalness.   Why you may ask?  Well I will tell you.  Perhaps someone is new to this lifestyle and happens upon my very humble, basic blog. So here goes.  I will share some pics of very basic frugalness.

Firstly-don't spend more than you make.  Sounds easy but for many this is very hard.  If you have to, put that debit card away and live on cash.  Yes I said cash.  It hurts when you see those twenty dollar bills flying out of the ol wallet, doesn't it?   Then go through your bills-is there anything you can eliminate?  Do you need that monthly food subscription or makeup subscription or oh well you know what I mean.  Can you cut back on your cable package or perhaps cut it out entirely?  Now to be honest we have cable but we aren't living above our means, we can afford it.  I daresay that your food bill will be the one line item that you can really attack.  Stop going out to eat, start bringing your lunch to work.  Become that closet FoodNetwork chef you've always aspired to be.  Compare  prices at your local grocery stores.  You may be surprised to see that your favorite grocery store is not the cheapest.  If you have an Aldi or Lidl try them, you may like them.  They do not take coupons and they are totally different from your usual grocery stores but we've grown to love Aldi.  When you do shop, try purchasing the bulk of your items along the perimeter.  That's where you find the produce and meats and dairy and less of the prepackaged foods.  This is not only cheaper but also much healthier.  Don't always assume that bulk is cheaper than smaller sizes.  Compare prices and ounces or pounds.  Buy basics when on sale.  This time of year is great for baking products.  If you have the space and money and time stock up to last you at least a few months.  Make a list of what you need.  Don't wing it.  Trust me, I wing it alot and it is so not worth it.  I, myself, am slowing learning this trick.  If you can stock up, keep up with what you have so it doesn't go to waste.  It's not a good deal if it spoils and you to throw it away.  Am I right about this?  And mostly have fun to see what you can do with a smaller food budget while eating tasty foods.  There are so many websites out there that you can put in what you have and it pops up all kinds of recipes. 

Try cheaper cleaning and personal care products.  Vinegar can be your best friend.  And no your home won't smell like a salad bar when you are finished.  If you are an essential oil lover just put a few drops in your vinegar and water.  Voila!  Some bloggers out there like Rhonda Hetzel, an amazing blogger from either Australia or New Zealand (I can never remember) makes alot of her own products.  Her blog is called down to earth.  For me, I find products that don't make my allergies act up and stick with them.  Witch hazel can replace a more expensive facial toner.  If you are a true devotee of Bath and Body Works shower gels then please stay with them but...........buy when they have their semi annual sales and simply stock up.  It may seem ridiculous to have a closet full of body wash but it will pay off in the end.  Why pay $10 or more for a bottle when you can get them for $3?  Just budget for it and have the cash ready to go when the sale hits.

Speaking of budgeting, here are some ideas that may be helpful.  If you have a car you know you will have to pay the taxes for it once a year.  Divide that amount by 12 and save it.  You can do this with all kinds of categories.  Christmas?  Hmm it's always in December, it should never come as a surprise and for sure it's not an emergency so put away that credit card,  Save some money each month and you will have the money you need when it rolls around.  Do the same for vacation, birthdays etc.   You get the idea.  Really there are few true emergencies.  Medical yes by all means!  Your kid's birthdays?  Nope!  Your car blows up?  Yes and no.  At the time it happens yep it is an emergency because you didn't think it was going to happen but no because you've been putting a designated amount aside each month for emergency.  This is called an emergency fund.  Murphy happens folks.  Always be aware of this.  Every little bit you can shave off of your regular monthly expenses can be put into this emergency fund.  $25.00 doesn't sound like much, but if you start small, this will eventually get easier and your budget will develop more wiggle room and then you can increase your saving. 

If you have benefits with your job like insurance, take advantage of them.  We have dental insurance so we go twice a year for cleanings.  If you don't have insurance ask your dentist if they will accept a smaller payment if made in cash.  Maintaining tooth health now will pay off down the road.

These are just a few suggestions to help you  on your way in this thing called life.  There is no perfect frugal way.  We all have to mold our frugalness around our lives and needs. 

The soap is on a soap catcher.  This keeps your soap out of water so it won't disentegrate and get mushy.  Notice the smaller pieces on top.  Mashed an old bar on top.  Easy peasy.  Suave and Herbal Essences are really affordable products.

This is my hair on Suave.  I think it looks pretty good.  Tell me truthfully.  Can you tell I don't us a $30 bottle of shampoo?
Cut open those tubes!  Look at how much toothpaste is left even when you think you've used it all!

Tuesday, October 31, 2017

Woe is Me I Caved

I turned on the heat for about 1 1/2 hours.  It was so cold in the house when I got home from work.  I just turned it on to take the chill out of the air.  It's bad enough that it's like a freezer in the morning but I can jump in the shower and get the bathroom nice and warm while I get dressed.  Last night the sheets on our bed were stone cold when I got in it.  BRRR.

What do you do to save on heat?  I've got to be honest-we use the air conditioner ALOT in spring and summer.  Frugality goes out the door when it is about 100 degrees with almost 100 percent humidity.  Nope, not gonna sit in my house and burn up.  To me it seems easier to warm up rather than cooling off?  What say you?

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image:  videoblocks.com

Sunday, October 29, 2017

Not a Frugal Weekend

I got a haircut on Saturday.  It's been close to 2 years since I had a haircut.  I had my bangs trimmed back some months ago but an honest to goodness haircut was a long time ago.  I decided that I wanted to let my hair grow long again.  It takes a very long time to do this and there were so many times I wanted to say heck with this let's cut it.  I persevered and it got pretty long.  I liked putting it up in a pony tail but that pretty much was the only thing I liked.  My hair gets curly the longer it gets.  Pretty much the opposite of normal people.  These curls would get frizzy and required too much time to dry.  Being that I am really trying to simplify-shorter hair makes more sense to me.  It's very easy to dry.  Takes no time at all.  But saying that now I have the monthly expense of a haircut.  I've decided it is worth it to me because I look better and younger and I feel better.  So this will go back into the ole budget.  I know some folks may say to go a salon school but I've done that in the past and I wasn't exactly pleased with it.

Today has been an odd weather day.  It started off quite humid as we went to the 8:00 service this morning.  Then it got really warm, then rain, then sunny, then rain again.  Crazy I tell ya, crazy.

We had a really good lunch-london broil in the crock pot with green bean casserole.  It was pretty good.  The london broil was very easy to cut with our forks but it tasted a bit bland.  We need to beef it up next time with some kind of spices.

I'm so glad that Hallmark has started their Christmas movies this weekend.  I am a sucker for those sappy things.  They just make me feel good and make me wish I lived in one of their small cozy little towns.