Tag Archive for Money

18 Simple Ways to Save Money Around the House

laundry 300x201 18 Simple Ways to Save Money Around the HouseThere are so many simple ways to save around the house. As I looked around my apartment this week I made a list of all the things I could do to save money.So what are some of the ways to save some of those hard earned dollars?

To save money in the kitchen:

1. Use a microwave instead of the stove top to cook when you can. You save money and time.

2. When cooking on the stove top remember to use pot lids. By using your pot lids you are cutting cooking times.

3. Cool foods before putting them in the fridge. Every time you put hot food in the fridge you are costing yourself more money.

4. Use Timer and Temperature to cook in the oven. Every time you are opening the oven door to check you are costing yourself cash.

5. Menu planning is another way to save as you are not in that desperate panic when it is dinner time and you are less likely to stop for that fast food if you know what is on the menu.

6. Use your leftovers. Have an old fashioned left over night.

 

In your furnace/laundry room to save money:

1. Remember to change the filters on your furnace regularly. This simply makes sense.

2. Have you had a home audit done? By doing one often your utility company can find ways you can save.

3. Insulate your water pipes.This little cost brings great dividends.

4. When doing laundry only wash full loads of clothes. Really folks who puts 1 or two items in the washing machine. This is such a waste.

5. Always wash in cold water and use a laundry soap that is meant for cold water. This means you are reducing your costs, and saving your clothes, a double win.

6. Hang your clothes to dry. I love using my line.

 

Through out the house to save money:

1. Remember the simple things like turning out the lights when you are not in the room. Do those other lights really need to be on?

2. Use LED light bulbs where you can. Yes they cost more but you save in the long run.

3. Try making your own cleaning products. Need a recipe check out my How to Pinterest board.

4. Use a programmable thermostat, lower the temperature when in bed and out of the house.

5. Remember to unplug items that are not in use, ie toasters, computers etc.

6. Use low flow shower heads.

 

 

6 Tips for Gift Giving Frugal Style

 6 Tips for Gift Giving Frugal StyleHere at my house there always seems that there is a gift that needs to be bought. Between birthdays, Easter, Christmas, Eid, anniversaries and Mother’s Day there is always something to be bought.

For me this week it is all about Eid. It is an Islamic tradition that one gets new clothes for the Eid after Ramadan. Well for me, Roo only got one back to school outfit that was new, and then we went to Value Village(second hand store) and got a few necessary pieces. She will now get another new outfit. When I shop I always go with a budget and to be honest I never go over. Usually I never spend more then $25 on a gift for any one person. When it comes to things like Roo’s birthday and Christmas she knows there is a price cap and we don’t ask for things like Wiis, or laptops.

So how am I able to keep things in check:

1. I have a birthday book: everyone is in there: along with the things they like: ie favorite color, author, music, and things they like to do.The book has saved me many a day.Ie. for the picky little princess I was able to do up a nice little gift basket with things from the dollar store all in her favorite color and she loved it.

2. For tweens and teens it is all about music and movies. I buy gift cards with points accumulated with Air Miles ( a points program here in Canada). A night out our s0me downloads make a great gift for them.

3. I have a gift box in my closet where I keep a few generic gifts that I can use in a pinch, all were things of good quality that I found on sale for over 50% off. This is were teacher presents often come from as well as hostess gifts when needed.

4. Homemade gifts are loved. I have done such things as hot choclate in a canister, soup in a jar, and canned applesauce to give as holiday gifts. I have also given Roo coupon books. With coupons like: pizza at home, movie marathon with mom, play hookey (1/2 day off school doing what she wanted to do), stay up late, board game night. and she loved it and cashed them all in.For things like Anniversaries or for seniors offer services like babysitting, snow shoveling or garden care. They are much appreciated.

5. Utilizing point programs. I collect Optimum Points from Shoppers Drugs, Air Miles and HBC Points. I often cash in points for gifts on a day when I can get more for my point value. An example of this a few times a year Shoppers has a special where you can get a higher cash value for your points. I do this and usually spend about $100 without any money coming out of my wallet. When I do this I come home with 5 0r 6 gifts. Bath stuff, jewelery, movies, Cd’s and chocolate. I cash in Air Miles for magazine subscriptions, Sobeys gift cards, and movie nights. With HBC I save for something I want.

6.Budget, budget, budget: Know your budget and dont go over it. If you are not working, and many are not this recession you scale back. You do not buy on credit. We all hate that credit card bill after the holiday. For me I like knowing I paid cash. I dont worry about the after effects of overspending or the interest.

All of these help me stay on track when the gift gremlins are at the door.

Common Ways to Save Cents Shopping

I have been thinking alot about how hard things are getting for families and how to save cents, because we know those cents add up. Are there certain things that I have to buy new or can I get away and enjoy used just as much? There are certain things that I must have a certain brand  but when it comes to these goods I think it is because I am a smart or should I say wise consumer( I buy on sale or use copouns or both). Now most of what I buy is used. What tips or what is going through my mind as I shop?

For Clothing: I buy used mostly. I love the feel of a pair of well worn jeans. Now who really likes to break in a new pair? When I lived in Toronto at Value Village. I could often get a pair of jeans for under $10. Here in Rural Nova Scotia there is Frenchies. I was able to get my daughter a cute long skirt there for $3. Often I have used Kijiji or Craigslist. If I am buying new I  flyer shop, and was able to get brand new cords for $12 at Zellers recently. I also shop the clerance racks. For me all of these ways add up to cents in my pockets. I am looking for quality at a cheap price. I have ofthen picked up brands like Gap, Roots, Old Navy, and the like for next to nothing.  

For Furniture:There is not a NEW piece in my apartment. Now this means my apartment is a hodge podge but that again is ok with me but I guess if you are trying to achive a certain look then you might buy new. As for colors in my apartment. I use throws and pillows to bring things together. I was able to get the furniture in my new place for less then $100. One of the things I do look for is will it last, what repairs does it need?

For electronics: Most have been gifted to me( ie my current tv). Otherwise I do buy new. My computer was a great deal when I bought it two years ago ( for $349). I got the last one Staples had when they were clearing out stock for me it has more then served me well. My MP3 player was a gift with a purchase I made. Here I look for quality. I want it to last.

For my music needs I don’t buy CDs anymore if there is a song I like I can usually get it for free? How I enter and win enough downloads from contests through the year. I have not paid for music in over a year-Thanks to too many contests I have had over a 100 free downloads in the last yr.  If you like music don’t buy CDs download them it is so much cheaper!

For Food Shopping: When it comes to groceries this is where I skimp alot without losing quality. I coupon collect. Save.ca is great for coupons and then there are the  that line the stores. There are certain foods where the store brand simply will not do. We buy real Kraft dinner and Campbells soups only. They are the main stays of our lunches. Now for cookies I bake or buy on sale using coupons. I spend about $200 a month for the both of us and that includes cleaning and bathroom stuff too.

For Toy Shopping: Now when it comes to toys here is where you have to be careful. Our kids come first right! I buy new mostly–mostly at Walmart or Toys R US when on sale. We have bought some toys second hand ( like Roo’s kitchen), a barbie dollhouse, and  the like. We have bought games second hand at garage sales after checking for pieces. As for books we love second hand and make great use of the library.