Hassle-Free Savings

Be jealous. I was a here a couple weeks ago (Peju Winery, Napa Valley, CA).

I haven’t done one of these in a few weeks because I’ve been busy with travel, work and home improvement to catch up with my fave bloggers. Luckily, I found some time this week to get back in the groove and I’m pleased to share the following posts! But first, some shameless plugging:

Over at Modest Money, I offered the parameters I use when considering buying a daily deal. I think they can be big money savers when purchased wisely!

At GoGirlFinance, I list out unnecessary wedding expenses that when skipped can save couples over $1,000. #CrazyFact — the average 2013 wedding cost nearly $30K!

Onto what you’re really here for, the stories that ROCKED my week!

I love, love LOVED this post by Stefani from The Broke and Beautiful Life over at See Debt Run. She eloquently conveys how spending money on otherwise mundane expenses can be pleasurable. I feel gratitude when I pay bills at the beginning of the month because I CAN pay them. There’s no stress or fear about not being able to afford my bills, and that’s huge.

I’ve only recently discovered Kristin Wong and I’m ever-so-glad I did — she’s a gem. Her post about ways to save at the airport on Brokepedia was timely since I just committed a frugal fail at the San Fran airport. I bought a second bottle of water for my plane ride (after slamming the first one during lunch), only to find a water fill-up station IN MY GATE. Kristin would never do such a thing.

Props to John over at Frugal Rules for his first post on Daily Finance! I love me some “Game of Thrones,” so I was pretty pumped to read his post about money lessons from the epic series. John surprised me with some of the parallels he found (which were spot-on). Who knew the detestable Theon Greyjoy was actually good for something?

I enjoyed Dear Debt‘s unconventional money tips over at VOSA, especially the one about making more money instead of slashing spending. While cutting back on spending is always good money advice, focusing on it exclusively can make for a miserable lifestyle, especially when side hustles can help balance things out.

Since I would never have the stones to ask for a “good guy discount,” (or a “cool girl” discount, for that matter) I enjoyed the brazenness of The Billfold‘s article “The Art of Asking for a Discount.” My husband is pretty good at this strategy, having recently knocked down the price of a costly gadget by $25 just for asking.

Michelle of Making Sense of Cents is just plain amazing for so many reasons. Her story about saving money on wedding expenses through bartering is GENIUS. I never would have thought to trade my expertise for free or reduced-price services at my wedding. Consider my mind blown, Michelle.

You guys. It’s Friday!! #TGIF 

Coffee at a B&B in Charles City, IA. Photo by me.

Happy Monday, blogger friends! I hope everyone had a good weekend. My husband and I were busy with birthdays and home-improvement projects, but I had an opportunity to save MEGA BUCKS on gourmet coffee, the details of which I just have to share with you.

Last year, I wrote a guest post for John over at Frugal Rules about saving on java because good, strong coffee is a staple in our household. My husband and I especially like Starbucks’ bold blends like Sumatra and Espresso Roast. I stocked up on whole beans during Cyber Monday when they offered free shipping and additional discounts, paying around $7 or $8 a bag (compared to $14 per bag). That shipment experienced a delay in getting to me, so Starbucks sent me an apology email with a coupon code for 20% off my future order. Gotta love good customer service, right?

This weekend, I finally had the opportunity to use that code. Through today, Starbucks is offering 25% off most its coffees, teas and accessories, so I ordered 10 bags of coffee and used my coupon code for extra savings. I paid $78 for all this AND used a gift card I purchased at a 20-percent discount from GiftCardGranny.com to pay for it. In total, I scored nearly 50-percent off Starbucks coffee and have enough stock to sustain us for a year or so. We’re blessed to work at offices that value good coffee, so we only brew at home on the weekends.

I’m so pumped up about this frugal win that I really don’t need caffeine for energy this morning. Ha! Who am I kidding? I’m sipping on a hot cup of Sumatra as I type this.

What’s your frugal win for the weekend?

Photo by Diana Parkhouse via Flickr

A few months back, my husband and I finally tackled the task of cleaning up our basement. We’ve been in our house for close to eight years and our unfinished basement has become a storage space for all the stuff we don’t want but can’t yet part with. We’ve amassed a surprisingly small amount of items but we’re both clutter-averse, so having anything down there is causing us to tick.

After throwing away empty boxes that once contained pricey purchases — HDTV, Dyson vacuum and, um, a trashcan — we were left with a few odds and ends. I’m pretty good about purging things and avoiding sentimental attachment, but even I find my heartstrings tugged by the strangest items. Case in point, the paper mâché giraffe my mom and I made for my fourth grade project. It’s about six inches shorter than me, ringing it at just under five-feet tall, and has a darling face with big brown eyes. I know I should donate him, but it’s entirely possible I’d have a breakdown at Goodwill and cause a scene, all because I can’t part with an animal composed of newspaper and chicken wire.

Next up: my wedding dress. I held onto it after the wedding because my cousin said she’d love to wear it at her wedding. She was 13 then so I knew the chances of her still wanting the dress when the time came was slim. And I was right — she’s recently engaged and looking for something tea-length. So, that leaves me with the most beautiful dress I’ve ever worn packaged professionally in a box under my stairs. There’s absolutely no reason to hold onto it, but a small part of me is afraid I’ll get pennies for it and so I haven’t made an effort to put it on the market.

That leaves a couple boxes of items my mom gave me from my childhood. They contain Disney plates collected by my grandma and porcelain carousels that I collected when I was little. I have no use for these things and yet I have a hard time parting with them, mostly because I know my grandma cherished the plates and my mom spent good money on the carousels. It almost feels selfish to just sell them.

AND YET…the alternative is to keep them boxed up and unloved. I could make a little money by selling them to someone who will hopefully love them as much as I did. Is that so wrong? It’s not, I know, and yet as I searched for the going rate of these items on eBay, I realized another problem: I’m horribly impatient. Other people around the country are selling these same items and who knows how long they’ve been posted for sale. Somehow, the prospect of making money isn’t as strong as the desire to get these items out of my house. I could easily donate the carousels to Goodwill and try to re-gift the plates to someone who’s really into Cinderella.

My recent foray into online consignment has further discouraged me from selling my stuff through the Interwebs. A few commenters have convinced me to try Facebook and I recently joined a few local community groups that buy, sell and trade with each other. I haven’t taken the leap into photographing and offering my wares for sale, but one of these days it’s going to happen.

Do you put off selling items like me, or do you enjoy the process? What’s your favorite method of exchanging stuff for cash?

Happy Spring! I don’t know about you, but I can’t wait to see leaves and green grass again. I’m not the biggest fan of winter and I pretty much count the days ’til spring starting in January. It’s been a long time coming!

With spring comes the desire to dust, disinfect and otherwise declutter our living spaces. I got a head start on this project a few weeks again when I discovered the scrubbing power of water and microfiber towels. I shared that tip and a few others on Daybreak this morning with Kim Posey.

What’s your favorite money-saving hack for spring cleaning?

Photo by Hillary Ryland via Flickr

For most of us, it takes a lot more than luck to build wealth and avoid debt. Being on a budget is easier said than done, especially when temptation lurks around every corner. Some budget busters are more or obvious than others, like grocery shopping while hungry, buying what you can get for free, or using retail as therapy for a larger issue.

But what about all those little-discussed things that continue to drain your pot of gold? In honor of St. Patrick’s Day, avoid being shamrocked by these bad habits and kick them for good!

Not Making the Call

Cable companies often set you up with their latest promotion after you call to gripe about a price hike. Comparing auto insurance policies every time you’re up for renewal is a good practice since rates can vary between providers. Despite these truths, many of us put off making the call or can’t be bothered to get a few quotes, resulting in lost money. Take a few minutes out of your day to cross these nagging tasks off your list!

Being Lazy About Purchases

Most of us are pretty good about comparing prices on big purchases — cars, homes, major appliances. But what about all those little items that end up draining our bank accounts? These days, you can find an app or website to help you compare prices on just about anything. Printer ink, for example, can usually run you $20 or $30, but a website called InkjetWilly.com shows you were you can buy ink for less than $10. Similarly, Kayak.com is well-known for saving travelers time and money on airfare by comparing prices and recommending purchase times.

Giving Into Pressure

The urgency associated with marketing messages can push even the strongest among us to make an unnecessary purchase. BOGO, 50-percent off and other tempting offers seem too good to pass up, but guess what? They always come back around. Same goes for the persuasive people in our lives who declare that dress was “so made for you!” or attending the out-of-town bachelorette party is a must. If you find yourself vulnerable to temptation, unsubscribe from those retail messages and tell pushy friends and family to ease up.

Avoidance

The sooner you learn more about investing, the more quickly you can put your knowledge to practice and build wealth. Similarly, the sooner you make a decision about attending your cousin’s wedding, the sooner you can find reasonable prices on airfare and accommodations. These examples are not random — I AM GUILTY OF AVOIDANCE. It’s easy to put off decisions because we don’t want to deal with them. Doing so, however, will cost us more in the long run.

Letting Ego or Pride Decide

When you’re on a budget, paying a premium for the sake of pride is a petty move. I’ve heard people claim to be “grossed out” by thrift shops or too overwhelmed by discount retailers. Others are afraid to admit where their purchases came from (hence the popularity of rebranding Target “Tar-jey”). Using coupons doesn’t make you cheap, either; it’s called being frugal and financially responsible. In essence, get over yourself and take advantage of deals and savings when you can.

Spaving

Yes, it’s actually a term (though Webster has yet to recognize it). “Spaving” describes the practice of spending to save and is increasingly used by retailers in their advertisements. Just this week I received an email with the phrase “the more you spend, the more you save!” Um, no – the more you spend, the more you SPEND. Recognize these messages as the marketing ploys they are and don’t bite!

What spending habits do you struggle with? How do you deal?

Happy Friday, everyone! Is anyone else pumped about Daylight Saving Time this weekend? I know it’s lame but I personally can’t wait for the longer evenings, even if that means sacrificing an hour’s worth of sleep. Who’s with me?!

Photo by Martin Pettitt via Flickr

Here are the posts that rocked my week:

Having gushed about my newfound love for water and microfiber towels as the ultimate cleaning duo, TidyMom‘s “10 Simple Tips to Be Greener At Home” represents a well-timed read. It didn’t occur to me that my new favorite cleaning method has already reduced the ridiculous amount of paper towels I typically use while cleaning. Go me. 

I’m obsessed with pruning and paring down my closet (only to build it back up again in times of weakness — FAIL), so Frugal Portland‘s “The Essential Items in a Minimalist Closet” caught my eye. A witty exchange about the merits of the Canadian tuxedo commenced after Kathleen teased me about owning too much denim.

I’m a big fan of Wendy over at GirlMeetsDebt, and her post celebrating Women’s Power Wednesday introduced me to two new bloggers (which I love!) and reinforced the awesomeness of the ones I already follow.

Continuing my minimalist wardrobe kick, I stumbled upon SaveSpendSplurge‘s “Principles of a Practical and Functional Minimalist Wardrobe” and proceeded to be utterly blown away by the amount of detail contained in the post. She seriously deserves some kind of award for this advice!  

Andrew’s post asking “Are We Overworked?” at LivingRichCheaply had me reminiscing about a time when I thought climbing the corporate ladder through long hours and mega-stress was a reasonable way to live. I’m so thankful NOT to be in that place anymore.

Paul Angone’s list of “TwentySomethingProblems” at All Groan Up is humorous, insightful and at times poignant. Though I’m on the fast-track toward my thirties (turning the big 2-9 this year), I could relate with quite a few of Paul’s gripes. 

Good weekend, everyone!

Photo by Rubbermaid Products via Flickr

During my brief time in Vegas, my BFF gave me a tip she learned from a friend’s mom who worked as a GRA — guest room attendant — for several years in Las Vegas hotels. She said all you need to keep your house spick-and-span is a microfiber towel and water. No fancy cleaning products required. In fact, she claims those products actually attract dust while water does a better job of keeping them at bay. You can even use this combo on treated wood surfaces as long as you wring out as much moisture as possible. Same goes with wood and laminate floors – just a quick wipe once or twice a week is enough to keep your floor gleaming without that awful ammonia or fake lemon fragrance.

I confess this strategy intrigued me, so I had my husband pick up a value pack of microfiber towels from Sam’s Club this weekend. In preparation for my dad’s birthday dinner, I used the damp towel to wipe down the counter and faucet in the guest bathroom. They both gleamed. 

On Sunday, I went a little crazy with my newfound cleaning strategy. I wiped down the cupboards in my kitchen after several years of buildup (I’m not one for deep cleaning) and then turned my sights on my bathroom. After successfully wiping down the countertops and faucets, I went all Cinderella on the baseboards and efficiently wiped away years of dust and grime buildup within about 45 minutes.

My mind is officially blown. Since this technique is still enjoying novelty status, my house has never been cleaner. I find myself happy to clean the kitchen after dinner because I know my trusty towel is all I need to keep surfaces clean. I will admit to using anti-bacterial cleaning product in the kitchen and bathrooms because I firmly believe germs need to be annihilated and water won’t cut it. For maintenance, however, this simple duo is pretty awesome. As a hopeless paper-towel addict, this will likely…

Interestingly, Wisebread is hosting a drawing and asking readers for their favorite cleaning tip. Be sure to participate if you have a go-to strategy for cleaning. In the meantime, what are your thoughts on this revelation? Are you as pumped as me? (Or perhaps the better question — is it lame that I’m super pumped about this?)

Photo by Retromoderns via Flickr

In last week’s post I bragged about heading to Vegas for a couple days to escape the bitter cold. It’s amazing how quickly I forget the season when I’m in the desert, soaking up the rays and wearing my favorite denim shorts. Back home, it was snowing and frigid. Apparently I picked a great time to travel.

You might think I spent two full days lounging by the pool and sipping on frozen drinks while fanning myself liberally. The truth is, I spent most of my time in a confined space squeezing between two large appliances with a paint brush. You see, my BFF is obsessively tackling her home decor and together we made some progress on her latest conquest: the laundry room.

My friend had a vision for this space which she found realized by a bunch of people on Pinterest. She wanted to repaint the space a soothing green and add wainscoting and a chair rail just under the window. This classic look can come at a hefty price, but my friend found a cost-effective solution in the form of wallpaper.

If you’re anything like me, you view wallpaper as an archaic and wholly evil wall treatment. When she told me we’d be working with the stuff, I envisioned a far worse outcome than what actually transpired. My experience was so positive that I’m now eyeballing my laundry room with a similar vision. I’m sure my husband will be thrilled.

At Lowe’s, you can find wallpaper that beautifully mimics wainscoting for about $20 per roll, with each roll containing enough paper to fill 56 square feet. Compare this to traditional wainscoting priced at $12.97 for 9.33 square feet. Basically, you can achieve the same look for $1 less per square foot when you use wallpaper.

Between the price and ease with which the paper is installed, I’m changing my tune about this wall treatment. In fact, I received a couple coupons in the mail from Lowe’s upon my return, and I’m wondering if fate is pushing me toward the wallpaper aisle.

What are your thoughts on wallpaper? Have you applied any home decor hacks recently?

Oh Friday, where have you been my whole week? I’m jetting off to Vegas on Sunday night to visit my BFF and soak up the 70-degree rays with as much enthusiasm as this lizard here. Jealous much? I hope you have fun plans for the weekend, too!

Photo by snowgen via Flickr

Here are posts that brought sunshine to my life this week:

This post by Broke Millennial made me LOL despite myself. In fact, most of Erin’s articles are knee-slappin’ funny because she’s just so darn witty. In this post, Erin compares the excessive use of acronyms by both millennials and the finance industry. It will have you  ROTFL, guaranteed. 

I read Cat’s articles all over the place it seems, to the point where it feels like I’m stalking her (I’m not, Cat, I promise). Her post about credit card churning on BudgetBlonde re-peaked my interest in this practice. It still terrifies me but at least now it doesn’t totally stump me. 

Erin’s hilarious confessional at RedDebtedStepchild has helped me on the path of self-forgiveness for my own frugal follies. Read them here and here to instantly feel better about yourself, and then read Erin’s post because it’s better than those two combined. 

At SWAMFinance, Adam’s post about paying down a third of his wife’s student loan debt using a tax return is pretty awesome in of itself. However, it’s the motivation he describes to pay down the debt even faster that really resonates with me.

Grayson over at DebtRoundup highlighted the top home improvements you can do to make your house more valuable come resale. I was pleased to see projects we’re working on this year are included in the list. 

Brock at CleverDude gave me hope on the prospects of selling a few items on Craigslist. He was able to offload a homemade smoker made of barrels for $50 using the site, so surely someone will want my porcelain carousels and collectible Disney plates, right?

Cheers to a sunny weekend, folks!

I read recently that the former owner of Trader Joe’s is opening a new grocery store in Massachusetts selling only expired food. Since “use buy” or “sell by” dates do not necessarily mean something is past its prime, he hopes to give low-income families an opportunity to purchase healthier food for fast-food prices.

It’s a tough sell but I applaud his attempt to reduce the ridiculous amount of food waste in this country, while giving cash-strapped folks better access to healthy food. I did some research and found a few other trends in grocery store shopping and saving, including an increase in online ordering and social media deals. I shared my findings during this mornings Daybreak broadcast with anchor Kim Posey.