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Posted
May 08 2008, 04:40 PM
by
Karen Datko
Rating:
Pinyo's wife thinks he's cheap. In his mind, he's frugal. Who's right? He scored a 20 on the cheap vs. frugal test he devised and posted at Moolanomy. That score indicates that he's neither, but that he "appears to be reasonable" with his spending. Take the test. It's fun. For example, here's Question No. 6. You have some old clothes. Do you ...? - What are you talking about? I don't have old clothes.
- I donate them when they get a little older.
- I turn them into rags.
- I am still wearing them.
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Posted
May 07 2008, 02:04 PM
by
Karen Datko
Rating:
Little is wasted in the home of reader "smartlane," and much money is saved. Why? Because she controls portions of everything from snacks to condiments to shampoo. She writes: I plan meals ahead, leave out snacks in portioned amounts for the kids, and fix plates for everyone to balance portions, and discourage overeating. I leave ketchup, parmesan cheese, salt, and pepper off table, and butter rolls and potatoes ahead of serving. I put out small bowls of condiments for individual family members. I also put measuring cups in cereal containers to discourage half-eaten bowls from being thrown out. (Smaller bowls have helped here too).
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Posted
May 07 2008, 12:07 PM
by
Karen Datko
Rating:
This tip from reader "kara17" is a good one, but only if you have unwavering discipline: We put absolutely everything on credit cards with cashback rewards. (Warning: This obviously doesn't work if you don't pay your full balance every month. If you're paying 15% interest, a 5% cashback reward isn't doing much good.) We both have cards (from different companies -- one from Discover and one from Citi) with 5% cash back on gas, 3% cash back on groceries, and 1% cash back on all other purchases. There is a limit on how much you can get 5% cash back on (I think ours is $2,000 a year), so once we hit that limit, we switch to using the other card we have. These percentages may not seem high, but if you put everything on the cards, the cashback savings really add up.
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Posted
May 07 2008, 10:59 AM
by
Donna Freedman
Rating:
If only there were a magic pill that would give us 100 miles per gallon. Well, there isn't. "Frustrated Monk" uses a mix of strategies to get the most bang for the four bucks.
He drives 60 mph even if the speed limit is higher. The reader says that doing this earns him an extra three or four miles per gallon in his three different vehicles. Monk also keeps the car tuned up, checks the tire inflation, uses cruise control (except in hilly areas) and has removed any the junk from the trunk.
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Posted
May 07 2008, 10:56 AM
by
Donna Freedman
Rating:
Water bills getting you down? "Katurah82" favors a multipronged approach to keeping usage in check. She takes three "navy showers" a week, i.e., water turned off while she lathers up. The rest of the time she heats a few gallons of water on the stove and pours it into the bathtub. "I use way less water."
Katurah82 learned to wash dishes in a gallon of hot water while camping. Why not do them that way at home? Oh, and about that water: Most heaters are set way too high, she says, so turn yours down. (A setting of 120 degrees should work fine, and could save you $20 to $50 in utility bills according to this article.)
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Posted
May 07 2008, 10:51 AM
by
Donna Freedman
Rating:
How to be a one-income family, pay off debts and still save for retirement? There's no magic formula for reader "Steph041401" -- just a bunch of coping strategies. Among them:
Drinking mostly water. Baking at home. Cutting out most processed foods. Shopping with cash only. Trading magazines with friends. Making single-serve snack packs with dollar store ingredients.
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Posted
May 07 2008, 10:48 AM
by
Donna Freedman
Rating:
We're in awe of the way "HollyM" does lunch. This thrifty reader starts by cooking big batches of soups, stews, stuffed peppers, lasagna, casseroles, enchiladas and other goodies -- all of it made with on-sale ingredients. The entrees get frozen in individual servings because variety is the spice of lunch.
"No boredom. Lunches ready to grab. Saves time/energy/money."
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Posted
May 07 2008, 10:38 AM
by
Karen Datko
Rating:
What's the point in everyone in the neighborhood paying for way more broadband than they can use?
Poster East Coaster Now in CO says he's begun piggybacking on his neighbors' wireless signals.
"Once in a while I can't get a signal, but 98% of the time I want to get online I can. That saves me about $30 a month."
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Posted
May 07 2008, 10:34 AM
by
Donna Freedman
Having raised eight kids, reader "SGW" can make a little bit of meat go a long way. She would buy a chicken on sale and make a huge pot of soup -- but they didn't eat the chicken itself, just the broth with vegetables. Then SGW would cut up the bird and freeze it in one-cup portions.
"Yep, I make chicken enchiladas, chicken chow mein, chicken salads, you name it for a family of 10 using only one cup of chicken each meal."
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Posted
May 07 2008, 10:00 AM
by
Donna Freedman
Rating:
"Frugal-Cook" doesn't skimp on ingredients. Check her shopping cart and you'll find stuff like shallots, fennel, olive oil and fresh herbs. Yet she spends only about $500 a month to feed her family of five-going-on-six -- the mom of three is expecting again -- even though she lives in spendy Chicago.
Frugal-Cook bases her meal plans on weekly grocery specials, viewing the ads online at http://www.centsible.net/groceries.shtml. She also hits smaller markets in ethnic neighborhoods. Then she cooks one and only one type of cuisine per week.
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