Tag: saving money

Frugal Librarian #28: Cheapskate Next Door Pt. 2

- Bill Leave a comment

Here are a few more ways to save significant amounts of money from the new book by Jeff Yeager called Cheapskate Next Door.

-Cut pieces of foam insulating board to fit windows in the winter and put them in at night or when you’re away to save a fortune on heat.

-Save big money on a car rental by helping auto transport companies relocate vehicles.  Lay down a deposit and they’ll provide a vehicle and tank of gas for approved drivers.

-Over a lifetime you’ll save about 5,000 gallons of gas and $30,000 or more by driving only cars with manual transmissions.

-Dry cleaning is a $9 billion a year business in the United States, loaded with toxic chemicals.  According to an article in Consumer Reports, “Dry-cleaning isn’t the only way to safely clean garments labeled dry-clean only, and other methods might even do a better job.”

Frugal Librarian #27: Cheapskate Next Door Pt. 1

- Bill Leave a comment

Here are a few belt-tightening culinary tips from the new book The Cheapskate Next Door by Jeff Yeager:

-Order only tap water with your meal when you go out to eat. Beverages are typically marked up 300 to 600 percent. Ordering water only will save you about $800 a year.

-Put box-wine into premium label bottles and no one will know the difference. Check AccidentalWine.com for for up to a 40% discount on premium bottles with cosmetic packaging imperfections.

-If you use a crock-pot once a week for eight hours, it will only use 30 cents of electricity a month, making cheap, tough cuts of meat fork-tender.

-Choose to host brunch, giving everyone their own quart-size ziplock bag and a serving tray of tasteful omelet ingredients.  Add a couple of eggs and boil all for fourteen minutes for perfect custom omelets, saving you $100 over a sit down dinner.

–CouponMom.com proposes “cutting your grocery bill in half” with downloadable coupons and a state-by-state grocery coupon database. Owner Stephanie Nelson estimates her regular site users save $2,000 per year.

Frugal Librarian #25: Brown Bag

- Bill Leave a comment

You can save an absurd amount of money by bringing in your own lunch – either to work or school.

Some folks report saving $60 per week, which translates to $240 per month.

Other advantages:  It’s healthier, since you’re controlling the nutritional value.  Unless, of course, you like deep frying at home.

Faster, since there’s no drive time or anyone you have to worry about tipping

As a person who tends to pack things the general populace wouldn’t consume, a brown bag is the only option for choice.

Don’t forget the added benefit of brown bagging it — you have the remainder of your lunch hour to sleep off your own crafted super-sized portions.

Frugal Librarian#24: Solar clothes dryer

- Bill 2 Comments

Behold, an extensively tested method of laundry technologies, honed over centuries!  Anyone will tell you that line-drying your clothes is a serious saver. It certainly is less convenient than transferring into the dryer, and not appropriate for all lifestyles, however.

Pros: Free, there are discrete indoor methods, easier on your garments, saves tons of C02 from the atmosphere, dries faster, larger clothing amounts

Cons: Not all city aesthetic ordinances support outdoor drying, time spent wrangling those pins

The consensus seems to be, depending on the number of loads you clean and kids living at home, line drying will save you around $150 per year.
The outdoor season begins in a month or so.  After hanging up a couple of baskets in late July, the beginning of the line may already be nearly dry.

An even more green/cost-effective solution is not doing your laundry at all, but there also may be sanctions in your household against that measure as well.

It’s Here!

- Ann Leave a comment

It may not always feel like it yet, but spring officially arrives at 12:32pm on March 20th. Time to start planning your garden!

With all the emphasis on organic, local foods, back-yard gardens have become all the rage – even the White House has a vegetable garden! There’s a big crop of new titles, whether you’re new to gardening or would just like to pick up a few tips.

One Magic Square: the Easy, Organic Way to Grow Your Own Food on a 3-Foot Square by Lolo Houbein. This book specializes in getting the most out of the smallest plots – best varieties, space-saving tips and sustainable practices. Multiple examples of Magic Square plots are shown including the Antioxidants Plot, the Curry Plots, and the Summer Stir-Fry Plot. Completely organic.

Grow Great Grub: Organic Food from Small Spaces by Gayla Trail. This beautifully illustrated book gives you lots of basic information, presented in a friendly, no-nonsense style. In addition to the expected vegetables, herbs and edible flowers are also included. A chapter on preserving the harvest ranges from making a ristra and drying tomatoes in the oven to canning and freezing. Completely organic.

Grocery Gardening: Planting, Preparing and Preserving Fresh Food by Jean Ann Van Krevelen. Three things make this garden guide stand out – the inclusion of fruit, the varied and interesting recipes and the nutritional information.  While there is some brief information on planting your own garden, just having access to a Farmer’s Market is all you need. There are also tips on selecting quality produce.

The Small Budget Gardener by Maureen Gilmer. This book has one goal – saving you money – and they mean business. All aspects of gardening are covered, from how to plant trees to aid in energy savings, to recycling found objects into garden treasures. They also discuss the impact of technology on gardening,  listing useful (free) websites, blogs and online newsletters. Sometimes it’s important to spend money – quality tools for instance – and Gilmer shows you what and how to buy. Tightwad tips throughout. Completely organic.

Frugal Librarian #22: Rising cost of mortar boards

- Bill Leave a comment

One final tip from the latest book, New Frugality.  If you can, buy college in advance.

Between 1982 and 2007 the cost of fees and tuition rose 439 percent.  Even when adjusting for inflation, the increasing cost of college education is greatly outpacing the purchasing power of the dollar.

So, if it is a foregone conclusion that screeching diaper-clad sleep thief will end up in a dorm someday,  you can purchase it down in advance.  Sometimes, you can even lock in today’s price and future proof yourself.

There are 529 plans, which offer tax-free withdrawal on earnings in the account, since the profit is earmarked for a future college education.  Some states also offer prepaid college tuition accounts, where you can lock in semesters today even though they will surely cost ridiculous amounts tomorrow..

On a side note, did you know that Augustana costs around $47,000 a year?

Frugal Librarian #20: Frozen Credit

- Bill Leave a comment

Another tip from the new book by NPR personality Chris Farrell, New Frugality… freeze your credit card.  No, not do a security freeze to prevent people from accessing your credit file, another great idea.

He means take the card out of your wallet or purse and put it in a container full of water.  Then give it the ol’ Han Solo treatment in your Frigidaire.

“Put the credit card away when you’re eliminating debt.  One technique is to store the card in the freezer.  That’s right, place the credit card in a container of water and stick it in the freezer.  You have to wait for it to thaw before you can use it again.  It gives you the time to think whether you really want to use it.  Yes, the card will work once it’s thawed.”

Frugal Librarian #19: Tips from “Bud”

- Bill 1 Comment

The next few Frugal Librarian blog posts are ideas gathered from Chris Farrell’s new book, The New Frugality.  Farrell  is the host of the public radio program Marketplace Money.

Bud Hebeler is a retired aerospace engineer from Boeing that founded the conservative financial advice website analyzenow.com. Below are some of his top savings tips:

-Arrange for automatic savings deposits from your paychecks
-Sell things you don’t really need on the Net or elsewhere
-Downsize your home or rent. Renting provides mobility to get jobs elsewhere in the country
-Grow your own vegetables
-Buy items with cash
-Rule out cars, cell phones, or iPods for children—or even for yourselves
-Make do with old computers, and software. Use no downloads requiring payments
-Try to get lower-cost TV, Internet, and telephone services
-Turn down the thermostat and wear sweaters

Frugal Librarian #18: Library Ledger

- Bill Leave a comment

Library patrons don’t often get a chance to see how the dollars and quarters accrue in their favor.  Spend a couple minutes plunking in values on this Library Value Calculator assembled by several libraries across the country to get an accurate representation of the kind of value you as a consumer have reaped.

For example, if you have used the library to answer two reference questions, borrow two books, check out two movies, and use the internet for two hours, count yourself a savvy spender friend.  You’ve just saved 114 dollars.  Before you call these figures inflated and self-serving, go to a doctor, lawyer or body shop and see how quickly their services tally up.

Being a library cardholder is not just good citizenship, it is smart money.

Frugal Librarian #14: Flip the guzzler

- Bill Leave a comment

junkPush it in, pull it in or drag it in…then write it off.  If you’re in the market for a vehicle, first drop a couple dollars on a gas hog.  Either scour the want ads, or go through the boonies looking to liberate “yardcars.”  Then, that junker just became your primary vehicle….wink.

According to this brand new piece of legislation, a new vehicle buyer will get up to $4500 in incentive money for buying a vehicle with significantly improved mileage.