Most people aren’t paying attention in the middle of summer when stores like Office Depot and Staples go crazy nearly giving away school supplies with their one-cent sales. How can they do it? They’re willing to bet that most customers will grab up the bargains and then add a few full-priced items as well before they get to the checkout.
The way to really save on all of your kids’ back-to-school needs is to start early so you can cherry pick all the stores. Load up as you can to last the entire school year because you won’t see these kind of bargains again until this time next year.
School supplies. The Grocery Game has added a school supplies category to its lineup. Check it out: First log in at TheGroceryGame.com (you can get a 4-week free trial, and you should), then in the upper left select all stores in your area. Above the list items, click your mouse in the “Search” box, which will open up a “Category” box with drop down menu. Select “School Supplies.” Just look at the bargains! New items and deals constantly change, so log in each week and pick up the deals as you do your regular shopping.
How do you pay for stuff? Do you hand over cash? Write a check? Pay with a credit card? Or do you use a debit card because the payment is automatically deducted from your bank account?
Most people use a combination of paper, plastic and electronic payments. However, debit cards have now surpassed cash, checks and credit cards for the way people pay at the point of sale. Personally, I do not have a debit card, never have and never will. I have an ATM card.
Simply having a debit card tied to your bank account is an invitation for trouble. I would love for you to get rid of yours, but if I cannot convince you to do that, do not become complacent. Get proactive. The odds are stacked against you which means you will become a victim of fraud. Determine right now to know your risk then create every safety net you can think of, such as:
I wouldn’t walk across hot coals for the fun of it. But if I could be shown how a short, painful walk would do away with a lifetime of worry, frustration and the fear that comes with constantly being broke, I’d do it.
While the method that follows isn’t exactly hot coals, it does represent a short-term sacrifice to achieve something amazing that few people will ever achieve in their lifetimes: paying all cash for a car, and perhaps, if you choose, even a brand-new car. Eventually.
Let’s say that tomorrow morning your car is destroyed beyond repair. You must have a car, and because you have no money saved and the insurance check is pathetically small, you opt to buy a brand-new car. Realistically, how much can you afford to pay each month for a car payment? $200? $350 $600?
Okay, back to reality. Your car isn’t destroyed, and you’ll keep driving it for a while. But remember the amount you believe you could afford to pay for a car payment each month if you absolutely had to and keep reading.
I am nothing if not a gadget lover. Ingenious items that make my life easier are great, but when I find something that’s cool and has the potential to save money? Well, that’s cause for some kind of tiny celebration. Here are my current fun finds.
Sugru. I don’t know where this stuff has been hiding (maybe I’m the one who’s been missing?), but my recent discovery has me giddy with joy. It’s called Sugru, or perhaps a better name would be Miracle in a Package. Think: silly putty without the silly part. Sugru is self-setting rubber for fixing, modifying and making stuff. You apply it, shape it and watch it transform into a durable, waterproof rubber with amazing properties. It comes in a bevy of colors, which makes it a crafter’s dream come true. I have so many DIY projects crying out for Sugru, I just don’t know where to start.
What I know about the art and science of negotiating I learned as a matter of survival. Driven to save myself and my family from financial ruin, I jumped into the deep end of the real estate industry. I knew nothing about negotiating. All I knew was that I had to find a way to bring interested parties together, get them to agree and see that everyone walked away a winner.
While I no longer sell and lease industrial properties, I still rely heavily on the negotiating skills I learned. Every day I use them in one way or another. Sometimes it’s a complex issue, but most of the time it’s just a series of one-minute negotiations.
You are a negotiator, too. You negotiate with kids, spouse, boss, co-workers, employees, creditors, vendors, friends, clerks and salespeople. You negotiate with telemarketers, credit-card issuers, mobile-phone providers, repair people, teachers and neighbors. You negotiate using your words, your tone, your body language—even your silence.
Negotiating is the way you get what you want, whether it’s a roof, a new car or your teenage son to put the seat down.
My frugality philosophy is that I scrimp like crazy on things that don’t matter to have the money for things that do. Makeup is important to me. I’ll forego other things that aren’t that important to me so I can afford quality makeup.
For years, my makeup of choice has been M.A.C., sold online, at cosmetics counters in high-end department stores and in exclusive M.A.C. stores, worldwide.
My big news is that M.A.C. and I have parted company and for one reason only: the ever increasing cost was enough to give me a heart attack. It’s taken awhile, but with considerable research and many trials (and errors), I have now replaced each of my M.A.C. items with a drugstore product. My criteria was that the replacement had to be cheaper, but of an equal or better quality.
More than a year ago, my husband remodeled our home. This is no ordinary man. He has an amazing ability to design, destroy and rebuild with amazing results. This remodel was extensive which means by the time he hauled 30 truckloads of demolition to the dump, my kitchen was down to the dirt and only beams and studs still standing where once there were walls.
Now imagine this: Both of us continued our fast-paced work schedules through this six months of chaos. We didn’t move to temporary quarters. We worked every spare moment. Being non-professionals, we hired subcontractors for plumbing, electrical, drywall and so on. Finding reliable, onset, quality professionals to do this kind of important work can be a real challenge.
We’ve all heard horror stories of fly-by-night contractors who promise but don’t deliver. Our problem was that we just didn’t have time to conduct interviews and get multiple bids. What we needed were honest and reliable referrals from people who’d been through similar remodeling of their homes and could give us solid referrals.
Forget the excuses. You need a vacation and for more reasons that it’s just fun to get away. Research shows that regular getaways may increase longevity by preventing heart disease. In fact, men in a nine-year study who took at least one vacation per year were almost 30 percent less likely to die from a heart-related cause compared with the men who kept their noses to the grindstone.
Family vacations are one of my best childhood memories. Being together away from the normal routines of life creates an atmosphere just right for bonding and for making memories to last a lifetime.
If you can manage the time, I’ve got some tips and ideas to make it happen:
Be realistic about the cost. Consider the money you have first and then design a vacation that will realistically fit within that financial boundary. If you have a family of five and $500 to spend, don’t even think about a couple of days at Disney World.