Tuesday, May 25, 2010
Thursday, May 20, 2010
Wednesday, May 19, 2010
Tuesday, May 18, 2010
Sunday, I got grease all over a brand new pair of short and Dawn took it right out. Next time you think you have ruined a piece of clothing with grease - try a little Dawn on it.
Wednesday, May 12, 2010
Monday, May 10, 2010
Monday: Grilled Salmon, Green Beans, and Baked Potato
Tuesday: Fish Sticks and Mac & Cheese (Didn't get to eat this last week.)
Thursday: Pork Stir Fry (Didn't get to eat this last week.)
Friday: Sunday School Social
Saturday: I have know clue.
The picture below is what I got my mom for mother's day. She loved it. I think it is pretty cool and my have to go get myself one sort of like it.
Monday, May 3, 2010
Friday, April 30, 2010
Before our last resort which was take down the entire thing and take it back to the Home Depot we called the manufacture and they are sending us a replacement part. The bad part is it will take 7-10 days for the replacement to get to our house.
In the mean time we have a half put together gazebo in our backyard. Sometimes - time is more valuable than money. I'm so glad we don't have to take this down and put a new one back up again.
Have you ever had a time when something like this happened to you? Was the item made right?
Thursday, April 29, 2010
Thursday, April 22, 2010
We try to use energy efficient bulbs in our house and try to turn off unused lights and appliances. Frugal Chick makes our own detergent which does not have any harsh chemicals and is is much cheaper than store bought detergents. We installed a programable thermostat which really saves us energy late at night and during the day. Most programable thermostats have 8 hour cycles and weekend settings. Plants around your house provides oxygen to the air, looks good and cools your house. We have installed ceiling fans and have a space heater which helps cool and heat the house without using the energy drain that is the heat pump.
A few years ago our hot water heater died we purchased an energy efficient hot water heater. If you have the opportunity I would suggest (if price feasable) a solar powered water heater, a friend of mine had one in his old house and just raved about it. Another way to conserve water is by using low flow shower heads. We have used these for several years and there really is no dicernable differance. Our biggest energy and dollar conserver is carpooling (we work a couple of blocks apart and have the same work schedule), if you can possibly find someone to carpool with it will save both gas and cash.
As I stated at the begining I am not the greenest person out there, but I am a conservationist and there is another kind of green that I always like to save.
Wednesday, April 21, 2010
You see this brick wall behind the azaleas gets nothing but afternoon sun beating down on it. For the longest time it had nothing in front of it until I realized that it would help our cooling cost if we planted something along that wall to help cool it. Azaleas are some of my favorite plants so that is what I choose. I know they don't look that big now, but in a few years I hope that they cover most of this wall and help with our cooling cost. So is there somewhere around your house that a few plants could help reduce your cooling cost?
Tuesday, April 20, 2010
This strong, soft, and stretch material works great as a support without cutting into the plant.
Monday, April 19, 2010
Up first this week;
The new trees we planted this weekend. We planted two pear trees. Actually, we got them at a really good deal. I'm a member of the Home Depot garden club. You should join if you aren't already a member because they send out some great coupons.
This club sent me a coupon to buy one tree get one free. Well, Home Depot didn't have pear trees and that is what I really wanted to plant. Like most cities Home Depot is right next to Lowes, so Accounting Dude and I drove to Lowes went in to customer service and asked them if they would match the coupon. The manager read the coupon several times and then said sure. So for $18.96 AC and I got two pear trees. Let me tell you we picked the two tallest and strongest looking trees they had.
We were prepaired for the manger to say no about the coupon, but we were pleasantly surprised when he said yes.
Now, we just hope that the trees will live and that in a few years we will have some fruit.
Tuesday, April 13, 2010
Monday, April 12, 2010
Our week is packed with activities so we, meaning Accounting Dude, decided to grill as much as possible for the week last night. So if there is a theme it is grilled meat. I wish the sides were that easy.
Sunday - Grilled chili cheese dogs and mac and cheese
Monday - Grilled Hamburgers not a clue about the side but I'm sure I can find something
Tuesday- Grilled Chicken with corn and green beans
Wednesday - Left over Chili cheese dogs and mac and cheese.
Thursday - Grilled Cheese and Tomato soup
Friday - Pizza and a Movie
Saturday - not sure it is up in the air because I may have a new niece.
Sunday - not sure about when my new niece will come.
Friday, April 9, 2010
Thursday, April 8, 2010
Frugal Chick and I love to garden, over the last four years we have planted cucumbers, tomatoes, watermelons, cantaloupes, squash, eggplants, peppers and various spices. Some of the things we have planted provided us with good fresh produce and some of the things we tried to grow did not pan out. We live in the South and some crops just can not take our heat. Growing fruits and vegetables are not always cheap. Seed, feed, fertilizer and when necessary herbicides have to be purchased. If you plant in the ground then you will need something to break and till the soil and if you use pots and hanging baskets those items will have to be purchased.
There is some trial and error to gardening and as I mentioned earlier there can be considerable start up cost, but once your garden takes off you will not have any additional cost except for watering. When you grow your own food there is also a sense of accomplishment that a supermarket does not provide. You will know exactly what chemical products were used on your vegetables when you grow them yourself.
It is very enjoyable to get outside and work in a garden, it helps to go outside and get away from our daily grind. I am not sure if we have saved much money by gardening, but I doubt we have lost much either. What we have gained is the knowledge of how to grow our own food, as well as, the peace of mind of knowing what is in it. I would highly recommend giving a garden a try for anyone who enjoys being outside or who enjoys their fresh fruits and vegetables.
Monday, April 5, 2010
Friday - Eat Out
I know what you are thinking, How can downtime help you save money?
Well I'll tell you it will help you stay focused. I know that when we have down time we are more likely to eat at home and stick to our menu. We are also less likely to just want to go shopping.
Just remember down time also pays.
Tuesday, March 30, 2010
CVS - Oral B Toothbrushes - $2.99 with $2.00 ECB
Used BO GO Coupon and $0.75 Oral -B Coupon
CVS Shampoo and Conditioner Free - $0.99 x4 - $1.00 x4 coupons
The coupon machine keeps spitting -$1.00 coupons out at me.
Used $2.00 in ECB and paid $1.81 OOP
Got Back $2.00 in ECB
Target - Pillow - $2.57
Revlon Nail clipper - $1.57
Minus Target Pillow Coupon - $
Revlon Target Coupon - $1.00
I know my total was less than $3.00 but I don't know exact amount.
Walgreen's - First Order - Dentex - $2.00 -$1.00 Coupon = $1.00 plus tax
Second Order - Dove Conditioner - $4.00 - $1.50
Runts $1.00 (need for Bunko loser gift)
Used $2.00 RR from first Order
Paid $1.50 plus tax and got another $4.00 back.
Publix - Still not getting along with them, but I still like them better than any other store in my area.
My total was $54.64 (A Little High for Me)
Savings Summary -
Vendor Coupon - $21.98
Store Coupon - $2.00
Special Price Savings - $26.97
Two Movies for $19.99 plus I had a $5.00 off coupon made the movies $14.99. Then my mom and I split the cost making them $7.50 plus tax each. You really can't beat that price for Disney DVD. Plus I'll end up doing the mail in rebates so in the end we will each pay $2.50 for the movie.
Monday, March 29, 2010
Thursday - Sloppy Joe's and Tator Tots
Sunday - Easter Celebration
Friday, March 26, 2010
Thursday, March 25, 2010
If your car is paid for that is $400 plus dollars a month that can be used to pay down a mortgage or to invest in an IRA or to do something fun. Frugal Chick has not had a car payment since 2006 and I have not had one since 2004. Neither one of us could ever imagine going back to having to make a monthly car payment. If you see a car as an A to B mobile then believe me you do not want a car payment. I love not having to make car payments and look forward to the day when I can purchase my next vehicle with cash.
Wednesday, March 24, 2010
First Order: Zyrtec - $18.99
- $3.00 Coupon
- $4.00 ECB
- $4.00 ECB
Total $9.89 plus I got back $7.00 in ECB
Second Order: Olay BodyWash 2/$12.00
- $1.00 Coupon
- $ 7.00 ECB
Total $4.20 plus $5.00 back in ECB
Third Order: Glide Floss Picks $3.99
Colgate Toothpaste $3.99
- $0.75 coupon
- $1.00 coupon
- $5.00 ECB
Total - $2.03 plus $5.99 back in ECB
Some of you may be wondering how much I have left on the $100.00 gift card I purchased at the begining of the year. Well, it's $8.65. I haven't done as good as I would have liked but I'm still spending way less this year than last year. So I'm improving and that is all that counts. Right???
Monday, March 22, 2010
Sunday, March 21, 2010
I have been out with surgery since Thursday. So while I laid on the couch recovering I decided to look for new recipes and this is what I came up with...
Sunday, March 14, 2010
Friday, March 5, 2010
Wednesday, March 3, 2010
Total out of pocket $1.44
Single Check Rebate - $1.00
Final Total $0.44
First Order -Power Bar Energy Packs $1.50. I couldn't find the coupon that some people have.
Softsoap $4.99 -$1.00 Coupon from All You Magazine
Used $5.00 in ECB
Got Back ECB $4.00 & $1.50
Second Order - Schick Quattro 4ct Refill - $8.99
Used $4.00 off Coupon
Used $4.00 ECB
Tuesday, March 2, 2010
Okay, when I was a kid we didn't eat that much bread at our house. I don't know why we just didn't. Now that I'm married we don't eat that much bread at my house. It seems to be a cycle.
So I learned from my mom, who would use up the bread by making pigs in a blankets. Most people use cresant rolls, but we used bread because it would use up what we already had. As you can see it is pretty simple. She would take a hot dog, a piece of cheese and lay them on the bread diagnoly. Then she would use toothpicks to keep the bread wrapped around the hot dog. She would heat them in the oven for about 20 min at 350. I loved this for supper!! It went great with Mac and Cheese. You should have seen it the first night I told Accounting Dude that we were going to have Pigs in a Blanket and I pulled out a half a loaf of bread so it didn't go to waste. He was a little skeptical, but now he loves them.
So my frugal tip would be - Don't let the bread go to waste. To borrow a line from Taco Bell think out side of the bun or crescent roll as the case may be.
Monday, March 1, 2010
Monday - Guy's Night Out/Frugal Chick is on her own
Tuesday - Catfish Nuggets - we have some left and I would like to get them out of the freezer. I think we will have a Knorr side with them. I have a few to many since they were on sale.
Wednesday - BBQ Pulled Pork Baked Potatoes. I know that this was on the menu last week, but we didn't get around to eating it. So it was moved to this week.
Thursday - Girl's Night Out/ Accounting Dude is on his own
Friday - Eat Out and hopefully go see Alice in Wonderland
Saturday - Eat Out
Sunday - Slow Cooker Lasagna
Sunday, February 28, 2010
Vendor Coupons $20.29
Store Coupons $6.35
Special Price Savings $35.65
Your Savings at Publix $62.27
I had a good savings at Publix, but I had one of the worse cashiers. I will call her Coupon Questioner Carol. Every coupon I had she questioned and numerous times she made me pull items out of my bag and show her before she would scan my coupon. This was a total pain. I mean didn't she just scan the item. But she really got me when I gave her a free item coupon for some Oreo Cakesters. It had a value of $3.29 and Publix was selling them for $3.39. She said to me "The coupon is only for $3.29 and we charge $3.39" I said, "Okay, just give me the $3.29" She said, "But they won't be free" After I was totally frustrated, "I said I'll just pay the 10 cents." She shrugged and finally a gave me the coupon.
After the dealing with all of this I handed her $29.00 in cash and told her I would pay the rest with my debt. After I handed it to her she just stood there looking at it. Finally, She said "this is only $29.00" I said, "I know I want to pay for the rest with my debt." It took her a moments to figure out how two do a transaction with two types of payment.
Needless to say I was so ready to leave Publix. I usually love my trips to Publix, but tonight I felt like I was being questioned as a cheat and not respected as a customer. This was some of the worst customer service I have every had a Publix. My husband and I figure we spend about $4,000 a year there, and we would like to be treated as if we are good regular customers. I know that if this was my first trip to Publix it would definitely be my last.
2 chicken breast
4 cans of white beans
2 cups shredded cheese
1 large jar of salsa
Put in the crockpot and cook all day.
This is excellent and I will definately have it again.
Friday, February 26, 2010
Note - I was in no way compensated for this post.
Thursday, February 25, 2010
We plan our Christmas in such a way that credit card companies do not leave something extra special under the tree for us in January. First we list all of the people we buy gifts for and using past experience we estimate the amount we expect to spend on them for Christmas. We also try to estimate purchases of Christmas Cards, decorations, wrapping paper, lights and miscellaneous items we expect to buy for the coming Christmas Season. We add all of these items together and divide by 11. Do not try to set money aside in December, if you are like us it just does not work. This is the monthly amount we save for Christmas expenditures. Make sure this monthly set aside works within your monthly budget.
Realize most banks have done away with Christmas Club Accounts; however, our recent recession has caused a few of them to revisit this policy. If your bank has a Christmas Club account utilize it, if they do not simply open a new savings account (one with no fees) and use it for all of your Christmas transactions. If the bank limits the transactions in this account simply move the money from savings to checking once every two weeks during the Christmas Season. Or you could open a separate checking account and only use that debt card for Christmas purchases. The trick is you have to keep it out of sight and out of mind so as not to be tempted to use it during the year. In other words REMOVE it from your wallet except for November and December.
We have found that planning for Christmas purchases makes it a much less stressful time of the year. It allows us to enjoy making purchases for those we love without worrying about how to pay for them. Our Christmas financial plan also allows us to give money during the Holidays to those who are in need and to perform random acts of kindness. Next year during November and December have a merry and frugal Christmas.
Wednesday, February 24, 2010
There was a man walking in the parking lot going from car to car asking for money to buy food. I felt lucky because he didn’t ask me on our way in the restaurant, but he was right there when we came out. At first I just kept on walking, but his repeating how hungry he was over and over again got to me. No, I didn’t give him money, I offered to by him food.
Our conversation went something like this…
Begging Man – Can I please have some money I’m Hungry (grabbed his stomach for affect)?
Frugal Chick – No, I won’t give you money, but I will buy you a meal.
Begging Man – But I’m hungry. I need money.
Frugal Chick – I am more than willing to buy you anything on the menu. We will go inside and I will buy you whatever you want, but I won’t give you money.
Begging Man- (thinks about it, even walks towards Arby’s.) then says to me that’s okay thanks.
Frugal Chick – That’s okay, but I’m willing to buy you food.
Begging Man turns around and starts asking the people in the drive thru for money. I am sure the guy was hungry. I’m also sure whatever he wanted the money for he wanted more than food.
After we got in the car Accounting Dude said that I had a good answer for him. I didn’t think of it as just a good answer I really did want to buy him food. I was willing to go into Arby’s and buy him whatever he wanted on the menu, but he didn’t take me up on my offer.
So that leads me back to my question – What do you do?
Tuesday, February 23, 2010
Monday, February 22, 2010
These were a few of the ones we took. Next time you see your friend or neighbor digging up there plants ask if you can have a few. You may want to offer to help them dig up the plants in exchange.
Dinner - Leftovers
Monday - Pigs in a Blankets with Mac & Cheese
Tuesday - Breakfast - Eggs, Toast, Bacon, & Hash browns
Wednesday - Tuna Helper
Thursday - Left Overs
Friday - Eat Out
Sunday, February 21, 2010
Friday, February 19, 2010
This is what they look like.
Thursday, February 18, 2010
1. Plan your trip in advance there are substantial discounts for airlines, hotels and cruise lines for booking well in advance. Part of planning in advance includes looking online for deals to your favorite destinations, sign up for newsletters etc… to reputable sites. Disney, SmartVegas, and Carnival send us updates on deals all the time.
2. When time and distance permit travel by car, the cost is substantially less than flying. When traveling by car you do not have to deal with the TSA, baggage cost are not an issue, limits on toiletries are not an issue and your luggage does not go missing or get destroyed.
3. Save money for your trip, set aside a few dollars every month until you have enough to take your trip. All the change we collect during the year goes into our travel fund. This is not enough to pay for a major trip, but it certainly helps with gas and food. Also, as we stated in a previous post if a second job can be used to fund a trip that always helps.
4. Always assume that there will be hidden cost when traveling. A vacation is much like tile or hardwood flooring if your house needs 400 square feet of tile you would probably buy 450 square feet of tile. We have been to Disney World, Las Vegas, Los Angeles, Maui, Hilton Head, New Orleans and on a Caribbean Cruise. The only time our budget was even close was on the Cruise. When traveling you will eat more extravagantly than you expect to, you will buy more trinkets than you intend to, you will go to shows and events not on your schedule and you will upgrade despite knowing better. I feel that adding twenty percent to your expected budget is not at all over doing it for a big trip. Travel should only be done after you have established an emergency fund and paid of all major debt excluding your home. Travel with the confidence that when the trip is over the fun memories and enjoyment will come home with you instead of the bill.
Monday, February 15, 2010
Well, in my town we have a decorator fabric store and they have a bargain basement. Not a store you would expect to have a bargain basement. It has a bind of $1.00 sample squares. So for $8.00 in fabric I made 4 pillows.
Do they match? No, but sometimes I get lucky and they have two matching squares.
Is the material way more expense than I could have bought at full price? Yes Some of the fabric I used was a round $20.00 a yard.
Do I worry about them getting ruined? Not really because as my taste changes I can go back and get something else or if they get stained I don't have that much in the material.
Actually, one of the ladies at the store questioned me about what I was going to do with all of my squares. When I told her I was going to make pillows, she replied with that is a good idea.
So my tip is - Even if the store looks to expensive to go into. Go any way because you don't know if they have a bargain basement filled with wonderful gems.
Tuesday - Jambalaya
Wednesday- Steaks, baked potato and salad (this was on the menu last week, but we didn't get to make them)
Thursday - Leftovers
Friday- Eat Out
Saturday - Lunch - Chicken Nuggets
Dinner - BBQ Pork Sandwiches & Fries
Sunday - Lunch - Out
Dinner - Soup and Sandwich
Sunday, February 14, 2010
Accounting Dude and I had a nice Valentine's Day today. We even went "Cheap" this year. I had a coupon and gift cards for Red Lobster. So we went there for lunch. All we had to pay for there was our tip. Then we went and saw Valentine's Day which was an okay movie. We only had to pay for one ticket because I had a coupon for one free ticket. Then we saved even more by going to the Matinee and we didn't purchase any popcorn or drinks. I know it didn't cost that much, but I really enjoyed my Valentine's Day with my Valentine.
Friday, February 12, 2010
I did want to share with you a new product I just tried this week. Sunday we went to a SuperBowl part and we were asked to bring something. Well, Heluva Good dip was on sale at Publix and I had a two coupons making them free. I got two tubs of French Onion dip and we ate a lot of it at the party and what we didn't eat that night Accounting Dude and I ate the rest until we ran out of chips. I loved how creamy it was. The flavoring was just right, and it has a cool name. I will definately get this again.