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Archive results for “August of 2006”
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Yep, one of those days again. I just don’t have anything to say. Probably because my brain hurts from thinking a lot today at work.
So, here’s some links to some articles that I’ve found interesting lately:
The Relationship Between Clutter and Debt
I liked this article. I am finding that as our debt is decreasing, I want to decrease the clutter in our house as well. I believe The Family CEO is onto something here…
Freezer Comes Tomorrow
Besides cracking up over the picture on this article, I learned a few new things to that one can freeze. Informative read.
Last Post Before Wedding and a Confession
With a juicy title like that, I just had to look. It turns out, calgirlfinance hasn’t told her very soon-to-be husband everything yet. Interesting. Part of me wonders how things would be today if I didn’t tell my husband.
I hope you enjoy 
A little dramatic for a title, I know. But I’m just pretty darn excited about what I found today. There have been many times we’ve been driving around and saw furniture on the side of the road, but we normally don’t stop because our car is just too small to bring it home.
Today, though, was different. There it was…a couch with a wood frame in nice shape. I could just feel my heart beating faster because we are in despirate need of a new couch. And it was right across the street!
When I first saw it, I was still working. I also didn’t see a sign on it indicating it was free. So I kept working and kept thinking about it. After work, I went outside and it was still there. This time, it had a nice yellow “Free” sign on it. Bingo!
I called out to my son and pointed it out to him. My son, who is such a little mini-me, said “Let’s go look at it.” So we ventured across the street.
There’s a few scratches in the wood, but that can just be made to look better with a little furniture polish. The upholstery itself is in great shape. Whoever had this couch took care of it. It isn’t necessarily a fabric style that I would choose if I bought a brand new couch - but it matches our living room color perfectly. It was as though it was meant to be.
I looked to my son, to ask what he thinks of it. He hopped on it and said, “This is nice.”
Decision made…we’re taking it. But with just my son and I, how would we get it home?
I went into brainstorm mode and do what I call, “Letting out my inner MacGyver.” Looking in our garage, I tried to see if there was anything we could use to help us get it home. And there it was - my son’s wagon. I could lift the couch up on its side, move the wagon underneath it and then slowly lower the couch on top of the wagon. It could just be rolled home and into our garage.
It worked just as planned. Now when my husband gets home we’ll bring it into the house.
I am so excited!
Tim at HelpYourMoney.com was nice enough to interview me. While I still feel like a big newbie in the personal finance world, there’s a few things I feel pretty strongly about when it comes to personal finance. I discussed one of them in the interview:
“Always remember that there is a huge key word in personal finance - PERSONAL. No two situations are alike and what may work for one may not work for another. Feel free to combine suggestions. Think of it as creating the recipe for your own personal success.”
This one is a funny one in our household. It is probably the biggest difference between my husband and I and we butt heads on this one a lot.
When I say “Be Proactive,” I am meaning that one should try to anticipate expenses that can be prevented and take steps to prevent the events occuring that would create those expenses. Hmm, I think I confused myself with that explanation - LOL.
Here’s a few examples….
A heavy thunderstorm is moving towards our area. The news reports are claiming that there has been damaging hail with the storm. Meanwhile, our car is parked in the yard and not in the garage. I want to move the car in the garage - just in case. My husband is more along the lines of leaving it out there because we have insurance. Yes, we have insurance, but there is still a deductible to pay. My way of thinking is that a few minutes now can save money later.
Here’s another one (which makes my husband moan EVERY time I do it but I STILL do it EVERY time ;)). It’s lightening out, and I go around the house and unplug every major appliance except for the fridge, stove and freezer. That means no computers and no TV during a lightning storm. Why risk having lightning fry our electronics? Again, my husband says that insurance will cover it. My thought is just unplug everything so we wouldn’t have to worry about it.
Lastly, I keep my car doors locked all the time even though we live in a very safe neighborhood. Why even give someone the “go ahead” to get in our car and root around? My husband is amazed at my zealousness with making sure the doors are locked. He would keep them unlocked if it was up to him.
As I read what I wrote, my husband sounds pretty bad. But really he isn’t. I sound pretty bad as well, perhaps a little neurotic when it comes to protecting material posessions. But I think we end up balancing each other out so it works for us.
I just think being a little proactive protects the things you have already spent money on, and can save you from having to spend money to replace them.
Welcome visitors from tagesanzeiger.ch!
Gruß-Besucher davon tagesanzeiger.ch (translation by Free Translation Online)
As it was noted, I used prosper.com to obtain a loan that was at a lower fixed interest rate. You can find out more about my borrowing experience with Prosper here.
Another article that may be of interest can be found at MyMoneyForest.com. He conducted a great interview with Prosper.com.
Thank you for stopping by
Take an old nursery rhyme, take the nouns and verbs out and replace with some awesome frugal article titles and you get the following Crazy Mad-Libs Inspired Festival of Frugality (if you want the traditional version of the festival, scroll down below). Thanks Dawn for the link to the wiki on Mad-Libs.
Old dining room chair makeover for $21.00 Hubbard
Went to the cupboard
To get cheap food at farmer’s markets her poor dog a bone;
But when she came there
The my big fat inanimate object was bare,
And so the poor dog had none.
She took a clean dish
To get the million dollar savings club kick off some tripe;
But when aldi supermarket: price sheet & store information came back
He was saving 50% on clothes a pipe.
She went to the grocer’s
To buy free steps to start the journey out of debt some fruit;
But when she came back
He was playing the flute.
She’s going underground - shelter part three to the baker’s
To save money on gas him some bread;
But when frugal cooks came back
The poor newspapers and magazines for free was dead.
She’s retiring on your student loan to the undertaker’s
To are gas prices eating up your dining out budget him a coffin;
But when free stuff for the designated driver came back
The poor status symbols and keeping up with the Joneses is stupid was laughing.
She how I saved hundreds per month to the hatter’s
To reduce peak electrical usage him a hat;
But when free boxes for shipping via USPS came back
He was using fatwallet cash back when buying online the cat.
The war of the off brand sodas made a curtsey,
The frugal kitchen made a bow;
The dame said, “Your servant.”
The dog said, “Bow wow!”
THE END
~~~~~~~~~~~~~~~~~~~~~
And now here’s the traditional format for the festival:
Jennie von Eggers at Creative Homeschooling presents Dining Room Chair Makeover for $21.00!.
Free the Drones Blog presents Get Cheap Food At Farmer’s Markets posted at Free the Drones.
Wenchypoo at Frugal Wisdom from Wenchypoo’s Warehouse presents My Big Fat Inanimate Object.
Amy Allen Clark at The MotherLoad presents Aldi Supermarket: Price Sheet & Store Information.
Steve Faber presents Free Steps to Start the Journey Out of Debt posted at Debt Free.
Amanda at Young and Broke presents Frugal Cooks.
Bryan C. Fleming presents The Million Dollar Savings Club Kick Off! posted at Bryan C. Fleming .com.
Waffletchnlgy presents Extra !! Extra !! Newspapers and magazines for free!! posted at Ratio(Price,Quality).
FMF at Free Money Finance presents Save 50% on Clothes.
Stephanie at Adventures in the 100 Acre Wood presents Going Underground - Shelter Part Three.
Penny Nickel presents Free stuff for the designated driver posted at Money and Values.
Lori presents Saving money on GAS!! posted at Single Parent Reducing Debt.
Steven Aitchison at Change your thoughts presents Retire on your student loan!.
Nina Smith presents Are Gas Prices Eating Up Your Dining Out Budget? posted at Queercents.
Andrew Leahey at andrew@leahey.org presents How I saved hundreds per month.
jim at Blueprint for Financial Prosperity presents Status Symbols and Keeping Up With the Joneses is Stupid.
NCN at No Credit Needed Blog presents Free Boxes For Shipping Via USPS.
nickel at fivecentnickel.com presents Reducing Peak Electrical Usage.
Christian Hoopes at AmericanInventorSpot.com presents War of the Off Brand Sodas.
Jason at Pragmatic Finance presents Use Fatwallet Cash Back when Buying Online.
DeputyHeadmistress presents Frugal Kitchen posted at The Common Room.
Supermom presents How to Get Free Walmart Gift Cards posted at Getting Out of Debt.
~~~~~~~~~~~~~~
Next week, the Festival of Frugality heads on over to Queercents.com. To learn more about the Festival itself, check out Blueprint for Financial Prosperity.
I wrote a few days ago about the tradition of new clothes on the first days of school.
After talking with my husband, we decided to go shopping to add a few more things to my son’s wardrobe since he did need a few things. Trying to keep it as inexpensive as I could - here’s how we did:
3 long sleeve shirts = $9.00
1 pair of jeans = $4.50
1 pair of pants = $3.00
1 pair of fleece pants = $4.97
1 fleece hooded jacket = $6.97
10 pairs of socks = $6.46
7 pairs of underwear = $3.94
1 pair of shoes = $9.87
Total clothing: $48.71
Wondering how much we’ve spent on my son’s clothes year-to-date, I looked back and including this recent trip, we’ve spent $82.43. I guess we aren’t doing too bad for his clothes this year.
Of course, while shopping my mind wandered and started thinking about what it will be like during his teen years. What will be in style? When I was in high school I remember I.O.U. shirts being the “thing” to have. My mom did buy me a few of those I.O.U. shirts after I begged, but we waited until after the year was halfway over because they would mark them 1/2 off 
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