Mary Hunt's Everyday Cheapskate https://www.everydaycheapskate.com Save Time and Money Every Day - Household tips, tricks, DIY cleaning recipes, product reviews. Thu, 22 Aug 2019 14:44:44 +0000 en-US hourly 1 https://wordpress.org/?v=5.2.2 Your Consumer Behavior is Keeping You Broke https://www.everydaycheapskate.com/money-and-finances/your-consumer-behavior-is-keeping-you-broke/ https://www.everydaycheapskate.com/money-and-finances/your-consumer-behavior-is-keeping-you-broke/#respond Thu, 22 Aug 2019 08:55:04 +0000 https://www.everydaycheapskate.com/?p=42269 Your Consumer Behavior is Keeping You Broke

Retailers manipulate all of our senses so we will spend more money. These subtle, psychological cues are worth paying attention to when you're shopping. If you know about them, you can take steps to avoid their effects. Today, I want to uncover retailers' secrets, then give you a few tools to help you beat them at their own game! See you there ... Love, m xo

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Preventive Maintenance is Cheap Insurance https://www.everydaycheapskate.com/repairs-and-maintenance/preventive-maintenance-is-cheap-insurance/ https://www.everydaycheapskate.com/repairs-and-maintenance/preventive-maintenance-is-cheap-insurance/#respond Wed, 21 Aug 2019 08:19:29 +0000 https://www.everydaycheapskate.com/?p=42230 Preventive Maintenance is Cheap Insurance

If you own a home, a car, or simply a human body, the words preventive maintenance should be part of your vocabulary. Safety and good health are, of course, the most important reasons to keep what we’ve got in good working order. But the financial benefits are significant, too.

So, when did you last have the oil changed in your car? New filter for furnace recently? Consider today's post a friendly nudge to arm yourself with some cheap "insurance" ! See you there ... Love, m xo

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Caught Between Aging Parents and Adult Children https://www.everydaycheapskate.com/home-and-family/caught-between-aging-parents-and-adult-children/ https://www.everydaycheapskate.com/home-and-family/caught-between-aging-parents-and-adult-children/#respond Tue, 20 Aug 2019 13:30:59 +0000 https://www.everydaycheapskate.com/?p=42203 Caught Between Aging Parents and Adult Children

A lovely new assisted living complex is under construction close to where I live. As beautiful as this place is, it has become a daily reminder to me for how difficult it can be to talk to aging parents about their health and future needs.

If you’re 40 or older, you’re part of the sandwich generation, which refers to middle-aged individuals who feel pressured to support both aging parents and adult children. It might be time to have that conversation.

The way you approach the subject will have a huge effect on whether your parents are willing to accept your help. Today I have few guidelines to help you get started. See you there! Love, m xo

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7 Simple Things I Do to Keep My Inner Hoarder in Time-Out https://www.everydaycheapskate.com/home-and-family/7-simple-things-to-keep-inner-hoarder-in-time-out/ https://www.everydaycheapskate.com/home-and-family/7-simple-things-to-keep-inner-hoarder-in-time-out/#respond Mon, 19 Aug 2019 07:30:22 +0000 https://www.everydaycheapskate.com/?p=42090 7 Simple Things I Do to Keep My Inner Hoarder in Time-Out

I don't know why some of us have such a strong propensity to accumulate, collect and otherwise hold onto stuff beyond a reasonable limit. Maybe we're born that way. Or more likely, we've picked up an understandable yet unfounded fear of not having enough of what we might need someday. Whatever the reason, it starts with clutter that can quickly lead to hoarding—something that is expensive in terms of time, money, and peace-of-mind.

It didn't happen overnight, but one step at a time, by applying these seven simple tips, I can say confidently that my inner hoarder has been put in permanent time-out.

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Stores Now Offering Layaway Programs https://www.everydaycheapskate.com/shopping/stores-with-layaway-programs/ https://www.everydaycheapskate.com/shopping/stores-with-layaway-programs/#respond Sun, 18 Aug 2019 07:01:48 +0000 http://www.everydaycheapskate.com/?p=14217 Stores Now Offering Layaway Programs

There was a time and not so long ago that every major retail store in the country allowed customers to buy merchandise on layaway. The item was placed in a backroom and customers could take all the time they needed to pay it off. Interest-free. And when they made the last payment, they took the item home. 

Layaway was more simple, upfront than credit-card purchasing. There were a start and a finish. Customers experienced delayed gratification together with a sense of responsibility and anticipation. With layaway, there were no surprises.

The layaway pay-as-you-go method for Christmas shopping was particularly effective because it produced none of the fiscal shock that comes with post-holiday credit-card bills.

Sadly, and without much notice, layaway programs quietly went missing in the 1980s. Jumping on the consumer credit bandwagon, retailers convinced consumers it was better to take everything home right away, avoid those annoying progress payments and then commence to pay for the next 15 or 20 years. Retailers did such a good job of convincing, layaway plans all but disappeared.

You’ll be happy to know that a good number of of your favorite national chain stores have reintroduced layaway, and just in time for the coming holidays!

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