• Food,  Frugality

    Living Large on a Shoestring

    I might live cheap but I do live well. I like to take advantage of sales in order to enjoy life as much as possible. One of the major ways I do this is on food. I am a huge fan of quality meat. I enjoy a nice steak as much as the next person but I rarely treat myself…

  • Finances,  Frugality

    How I Made an 82.82% Investment Return on $7.56

    One of the smartest decisions I have ever made was to take business classes in high school. I learned how businesses save a fortune simply by buying the items they use in larger quantities instead of as they use them. Unfortunately, this teaching runs counter to how many people manage their finances. They only have so much money until payday…

  • Car-Free,  Frugality

    The Luxury of a Vehicle

    A few weeks ago a friend asked for some help. He needed to locate a vehicle that would start and run for $1,000 or less–in two weeks. Considering that my days off rarely match up to the friend in question I considered this an almost impossible task. Not only can it take months to stumble on the perfect deal, the…

  • Finances,  Food,  Frugality

    Bargain Food

    One of the ways I stretch my dollars is by taking advantage of the fact that I work in a grocery store. Every single shift I look around for good deals and take advantage when I can. For instance, when my employer issued coupons for a free 24-pack of bottled water with a purchase a while back, I bought some…

  • Finances,  Frugality

    Evaluating my Decision to Stockpile

    I had a bit of a panic attack the other day while I was cleaning my house. As I was rearranging the stockpile of food and supplies I’ve acquired over the past few months I froze in shock over the sheer volume of what I had acquired. Oh, my goodness, I thought in dismay, have I become a mindless consumer?…

  • Finances,  Frugality

    Panic Attack

    Earlier this month after paying expenses I decided to get a jump on my new goal. Instead of absorbing my current round of royalties into my life I decided to transfer the amount into my brokerage account instead. While I had planned to start next month, I was anxious to begin. I sat down at the computer and logged into…

  • Finances,  Frugality

    Getting Serious About Finances

    While many of the so-called experts are crying, I’ve discovered that my decision to enter the stock market could not have come at a better time. The US Government has decided that inflation is out of control so they’ve started to raise interest rates to “cool off” the economy. According to my research, every single time the Fed raises rates,…

  • Frugality,  Life

    It Doesn’t Cost a Fortune to Look Nice

    The older I get the worse I look. My hair has started greying and things have started sagging that never sagged before. I’ve never really been self-conscious about the effects of aging but over time I noticed a difference; not in me, but in my customers. While some of my customers appear to be ageless, others appear considerably older than…

  • Finances,  Frugality

    Clearance and Coupons

    The other day my daughter and I decided to visit a local store and search for bargains. While many times we don’t find anything that we need, occasionally we come across a really good deal. This occasion we struck pay dirt. The store had clearanced four boxes of Alka Seltzer Night Time Cold Medicine for $3 a box. This is…

  • Finances,  Frugality,  Personal

    What I Really Want

    I’ve done a lot of thinking as my Katie’s graduation approached and even more now that I know she will leave the nest in a few short months. What next? What do I want to do now that I know I’ll be on my own? I honestly don’t know. I don’t know if I want to remain here, relocate, or…

  • Finances,  Frugality,  Simplicity

    No Regrets

    Now that the kid has graduated from high school, what do I do now? My whole focus these past decades has been caring for her. So now that she’s engaged, that her life is heading in a direction different from mine, it is time to start thinking hard about my next step. Do I want to continue as I am?…

  • Finances,  Frugality

    How to Start Buying in Bulk

    It can be a challenge to switch from only purchasing what you need to buying in bulk. Not only do you have to figure out where to put the items you purchase you need to save up money so you can start buying. I enountered that issue when I resolved to return to my old stockpiling habits here. Money was…

  • Finances,  Frugality

    The Art of Buying in Bulk

    I was taught as a child that buying items in bulk not only saved money when you purchased the items on sale or at a discount, it made life considerably easier because you didn’t have to worry about running out of stuff constantly. I must confess that over the past few years I questioned that teaching. Minimalist gurus preach expansively…

  • Finances,  Food,  Frugality

    Grocery Savings

    One of the things I have never done is factor the cost of food into my budget. Our spending varies too much based on bargains, bulk buying, and available finances for us to set aside a certain amount every month. While some months we barely buy the basics like milk, other months we come across good deals to take advantage…

  • Freebies,  Frugality,  Recycling,  Simplicity

    The Beauty of Old Things

    Several months ago my daughter surprised me with an odd request. She had noted that many of her friends and family were giving away their collections of old vinyl albums; could I help her select a record player so that she could play them? While I am aware that vinyl is making a comeback, the last thing I expected was…

  • Cash register
    Finances,  Frugality

    It Pays to Use Cash

    How do you handle your money? Do you deposit your check every payday and then swipe your card when you want to buy something? Every time you swipe your card in public you place yourself in danger. Not only do you put yourself at risk of having your card information stolen by skimmers, you also run the risk of spending…

  • Frugality

    How I Budget for Bills

    No one enjoys paying bills. I for one hate them with a purple passion so I strive to have as few as possible. When I moved out on my own decades ago, I really struggled. It never seemed to fail; a bill would come due before payday arrived or my check would be short and I wouldn’t have enough. I…

  • Frugality

    Extra Paydays

    Several times a year I end up getting five paydays during a month instead of four. These are always good times; I have my finances budgeted for four paydays a month so the fifth is like getting extra cash. When these months roll around my co-workers are always excited. They regale me with the ways that they plan to spend…

  • Frugality

    Why I Cancelled Netflix

    It was the 1980’s. Dad and I were driving along when I spied a video rental store that had recently opened. “Why don’t we rent a movie sometime?” I suggested. “Makes no damn sense to pay to use something when you can spend a little bit more and actually own it,” Dad retorted. “But you can watch more things for…

  • Frugality,  Simplicity

    It Pays to Keep Your Stuff

    In this disposable age most of us don’t think about the value in using items until they are completely worn out. Rather than keep the old, they buy new even when the item they already own still works. It makes financial sense to keep things, however. The longer you use something the less it actually costs to own it. Here…