Showing posts with label savings. Show all posts
Showing posts with label savings. Show all posts

Monday, February 7, 2011

Realistic Bill Cutting

There have got to be Seven. Million. Articles. out there today about how to save money. The sad thing is, there is nary a creative thought among them. Check out your cell phone package. Check. Bundle your services. Check.

It's been said. Over and over again. The bottom line is, people, that this is NOT new information. It's been out there since the recession began and probably before that. If you are looking to cut bills, and you're getting kind of toward the ends of your financial ropes, it's likely you checked out your package options two years ago.

Now, I've got a creative thought for you. Dump the packages. You don't need cable. After a while, you won't even miss it. Find a decent internet package for your area and invest in Netflix. If you're really broke, skip it all together and go for a bare bones high speed internet connection. You can watch lots of tv online for free. Free.

Show me a package deal for free. Just one, because I'm there. And it's likely at least one person in your house is watching too much tv anyway.

Here's another creative thought-make your own food. And I'm not talking about dinner, I'm talking about not paying more than 99 cents a pound for anything you put in your mouth. Crackers, bread, cookies, cake, all take a minimal amount of work-and you will have a lot more time on your hands after you dump the tv- and the little ones LOVE to help out. Check out the artisan bread in five minutes a day method...it's to die for. Also, Amazon has the best prices on yeast and vanilla I've ever seen, so consider ordering things there, just make sure to wait until you have 25 bucks worth of things you need, and to order from a place that qualifies for free shipping.

Another thing people spend a lot more money on than they have to is medical care. And it's really kind of silly. Wegmans offers free antibiotics during the winter, and it's a pretty decent list. Your doctor's office isn't thinking about that when you go- he's thinking about the drug rep that came in last week with free! flavored! tongue depressors! for the kids. Go armed with a list of what you can get for free, and don't be embarrassed to whip it out.

I could go on about medical care all day... your insurance has a set of tiers. Each tier has a different copay- the amount that is passed on for you to pay out of pocket. This is MAJOR in cost cutting, as there is absolutely NO REASON for you to purchase a more expensive prescription than necessary, unless the cheaper prescriptions for some reason don't work for you. And you can't know that until you try. So, give your insurance company a call if you get a prescription for something with a fifty dollar copay. It's likely there is a similar drug available for five under your plan. When your doctor zips that prescription over to your pharmacy, give them a quick call and find out how much the copay is going to be, and have THEM call the doctor for a cheaper option. I've had GREAT luck with both the pharmacies at Target and Wegmans doing this for me...each time saving at least twenty five to fifty dollars.

One more word on drugs, and I'm going to close this piece out for the day. Know your classes. An NSAID (non-steroidal anti-inflammatory drug) is probably going to be expensive under your insurance...because it's another kind of Tylenol or Ibuprofen. Before you fill that $75 dollar script, ask your doctor if there's any reason you shouldn't see if a nickel's worth of tylenol won't be as effective.

Saturday, January 15, 2011

Don't trust your doctor-he's ripping you off.

Well, more appropriately, his office is. Or the hospital you are trusting with your life.

This is very true. It's called human error. And, since two or three people can have a hand in each medical bill you receive- that's two or three times the errors. I've seen the commercials where you can learn to "work from home" in the "exciting and fast paced medical field" while doing "medical billing."

That means you've got a good chance of having someone like ME-with three children crawling all over them-drawing up your bill while deciphering your doctor's chicken scratch.

 This is never good.

Case in point- I received a medical bill yesterday...it bore an electric orange sticker that said, "You have ten days to contact us or this bill will be sent to a collection agency." From my gyn. Addressed to my husband. The bill was for-wait for it- $145. I'm due to go see in her in February, haven't seen her since last February, and always pay my bill them immediately with our flexible spending account.

There were two charges for a single missed appointment that I'd canceled, and they charged me for a co-pay I'd paid them. I'm so glad they sent me that incredibly effed up piece of paper, because now I know they owe me five bucks. They even agreed they owed me five bucks. So I know I'm right.

This isn't the first time this has happened to me, though. Every bill I've ever gotten has had medical errors on it. I've been charged for prescriptions my doctor ordered, but I'd refused. Yes, I know I'm the only person on the planet that would refuse a Vicodin. But I do. I've been billed for it, though.

I've been billed eighty dollars for four Tylenol. Not even extra helpful Tylenol. Drug store Tylenol.  Four. These people have issues. Two many chefs, and all that.

It's almost worthwhile to keep a notebook with you and have someone document what they do and  what they give you. Because they sure as hell don't know.

So, go over your bill. Even if you have no intention of ever paying it. Because those mistakes still add to your debt. And don't be shy about questioning it. You aren't questioning your doctor-you are questioning a team of people who are human and weren't in the room.

You wouldn't go to a restaurant and pay for an extra beer. Why would you go to a hospital and pay for an extra pill?

Monday, July 12, 2010

Box mixes: The enemy of frugal cooks every where

I remember the first time I ever cooked.

Ever.

My mother had made her famous meltaway meat. Of this, I still quiver in fear. The lumpy, tasteless mass of protein quivered like jello, the texture resembled canned dog food. I'm not entirely sure what she did to it that made it taste so...tasteless, but I do know it often involved me scrubbing out the crockpot for sometimes days on end, only to have her repeat the mess the moment I had managed to chip the remains from the walls of her ceramic petri dish, I mean, crockpot. Ugh.

My moment...she had come down with a "migraine" and needed to lay down. She needed me to "finish off dinner."

I was happier than a pig in, well, you know.

Laying on the counter, a packet of lipton alfredo noodles.

I put on my serious face. This was the big leagues. The moment that everyone tasted MY noodles. Oh, I could hardly wait.

I read the directions, then reread them. I followed them EXACTLY. Measuring the margarine, milk, and water as though my life depended on it.

Did you see my mistake? Because to this day, I don't. I followed the directions on the package, only to have my mother have a panic attack because I used margarine. Evidently, it was optional, (in those days, that was NOT printed on the directions.) and EXPENSIVE

As a (much) older cook, I wonder why we even had those packets. Even on sale they are ridiculously priced for what they are. A little bullion, a couple of seasonings, a four hundred percent mark up. It's scary what people will pay good money for.

On one of my favorite sites there is a certain amount of devotion to a certain meal product hawked by a four fingered hand. There are whole threads devoted to a favorite flavor...and again, I wonder why. Especially when I see "Italian Shells" ranks around the most popular flavors.

Seriously?

Ok, besides the ick factor, (have you READ the ingredients) and the price factor, (upwards of two dollars for barely three portions), Italian Shells? The easiest thing on the the planet, and, possibly the cheapest.

Check out my remake:

pasta
1 lb ground beef or sausage
1/2 lb whole wheat short pasta
2 C premade pasta sauce, or season a 16 oz can of tomato puree to taste.
2 C water

Brown beef or sausage and drain. Add sauce and water, bring to a boil, add the pasta. Return to a boil, simmering for 7 minutes. Do not cover. Let stand five minutes.

At this point, I usually sprinkle some shredded cheese on it and call it a day. However, I have the feeling the cheese sauce makes it for some people, so...

take 1/2 C milk and blend with 1 tsp cornstarch until smooth. Add 1/2 teaspoon garlic, bring to a boil. Stir in two to four tablespoons of parmesan cheese. Taste and add salt and pepper as desired. Drizzle over pasta.

Serve as you would your favorite box mix. Gloat in the fact that it cost less than half the price. Yay, YOU!

Do you have a favorite box mix you'd like a cheaper alternative to? Let me know in the comments!

Wednesday, June 30, 2010

Today's Freebies and Other fun things

Well, I updated our computer virus protection software today with a free offer from McAfee. A free six month trial, which considering my propensity for freebie sites, updated virus protection is crucial. I also maintained my PC today, by cleaning up toolbars I don't use and other programs, and then running disk clean up and disk defragmenter. A healthy PC is a happy PC, and keeps my mailbox full of freebies!

This weeks freebies consisted of a nice package of dog food from purina one, a single paper towel (I kid you not) from bounty. A conservative bumper sticker with a request for a donation, the address labels that St. Judes sent around, and two giant packages of boxes from the post office to assist in my ebay ventures. I have over 900swagbucks so that's ten bucks worth of amazon gift cards for Christmas!

Speaking of Ebay, I'm giving it another two weeks. I've netted ten bucks out of two hours worth of work and a bunch of stress... I'm going to get all the expensive stuff I want on in the next two weeks while they are offering free insertion fees for any starting price auction style format, and then I think I'm going to retire my gavel in favor of the yard sale style format. I think the boxes may help, but I made mistakes in shipping prices on at least one item, and lost .45 of my total profit.

Speaking of freebies, my giveaway will end tonight when I get back from running errands, so you have time to click the "follow" button... and don't run away when it's done! I have more good, solid freebies coming your way!

What are your favorite online freebie sites

Saturday, June 19, 2010

Busy, Busy, Busy!

This week I've decided to take my decision to make money off this move seriously. I've posted on ebay, and craigslist, and have more to put up. The yard sale is tentatively scheduled for the end of July, and I can say, I just can't wait. I'm seriously considering having a pre- Yard sale, so we can cart less across town to a better location.

Mail call this week was phenominal, I got two father's day cards just in time with my swagbucks, samples of pantene for curly hair, dove, and aveeno shampoo and conditioner, a Shrek poster evidently Mr. Lovinangels won in my name, a sample of crackerfuls, my free collage from snapfish, along with my 50 free prints and free 8X10, and have finished testing about half of my free sunscreen.(Which is a really great product by the way)

Today I'm ordering a free snikkekidy kids pack, here. I find most of my freebies, here.

Well, wish me high ebay auctions, I'm off to sell more stuff! Moving balance is currently -140 dollars!

Thursday, June 10, 2010

ah, the perils (and perks!!!) of blogging!

So...my email account got hacked this week. I'm sure it was the result of my forages into the world of "free stuff". Think about it, FREEEE STUFFFFF! Every shampoo sample saves me real money. Each little tube of lotion is one more dose I don't have to buy. I faithfully fill out the surveys they send me, of course, because I want them to continue to send me that FREEEEE STUFFFFF. Love it.

So, this week I learned about posting negativity online, without back up or proof. I had signed up for a four week review of neutragena sunscreen here and authorized use of my email to share. The next day, my dear father asks me what he should do with the five dozen viagra he ordered from the site I sent him. His wasn't the worst. Throughout the day, many of my male friends assured me that they didn't have a problem that required said drug, and a couple insuated that they'd prove it. It's all in good fun.

Ugh. No more email sharing.

Well, Matt from Tidal Labs was nice enough to email me and let me know the spammage wasn't them. *hangs head. That's what I get for ASS-uming. I still can't wait to review my sunscreen sample!

I also learned NOT to give my email address out to perfect strangers promising coupons. I did this on the site www.retailmenot.com. Someone posted that they would send you a link to a site that would give you two free boxes of a certain coffee for a certain maker I received for a certain holiday. After I read the offer he sent me, I realized it wouldn't work for me, so I just responded "thankyou" and moved on with my life. Evidently he didn't.

I received four emails from this individual. FOUR. The last one after he called the company AND RECEIVED INFORMATION ABOUT MY ACCOUNT from them. This is creeping me out beyond belief. I will post more information gladly, once the company responds to my email. WAAAAAYYYYYY TOO CREEPY.

So, my lessons learned this week may not be monetary in value, but they are treasured nonetheless.

Tomorrow we resume packing after box pick-up. For now, free stuff a-hunting and off to work I go!

Wednesday, June 9, 2010

The Myth of So-Called Deregulation

In 2010, the PP&L "rate caps" expired in PA. These kept the rates in PA at 1996 levels, with the promise of deregulation and competition in the future. Well, guess what? The future came yesterday. Along with a major headache and a waste of about four hours I'll never get back. And a savings of...$0!!!!!

The theory is, you are supposed to be able to shop for the lowest price in generation, encouraging competition and prices to drop...all things a good little conservative like me wants. Let the market regulate itself, right? Capitalism is something I firmly believe in.

Well, this time it bit me firmly in the bum. The prices went up, the demand stayed the same, and no new players came to the party to encourage this competition. So I've spent hours trying to find a lower price on our new electric service, only to find, there's only ONE electric service. The most expensive one on the block. *sigh*

So my beloved capitalism, I will wait patiently for you to work your magic. I will check, every two months, to see if another supplier is available for my energy. I will be relentless!!!!!

I will go back to packing, nursing my poor, aching head.

Monday, June 7, 2010

Found Money! Don't forget to request a refund for overpayed utilities!

Last night I had the strangest dream. I dreamt the "other" from Lost season 1 turned into a vampire, got invited into our home, and turned my nephew and my friends son into vampires. We locked ourselves in an upstairs room, and I lowered my wild child first to the ground. She took off, of course. I jumped out the window, landed on my feet, and ran after her. Having caught up to her, it appears that her hair has been cut off, and she has a large bite mark on her neck. I realize her hair is simply tied back, and am utterly relieved, and unconcerned with the large bruise on her neck, which isn't bleeding.

My good friends over at http://www.cafemom.com/ seem to think it means that I'm nervous about our upcoming move, but feel that I can handle it. I like that.

Yesterday, it occurred to me that we needed to order propane for our stove. You can only purchase it a full tank at a time, and it takes me 4-5 months to use it up. The move is 85 days away. Either I can bake like mad, or lose about $70 in propane, or try to stretch what I have an extra, say, 24 days. I spent the majority of the afternoon pondering solutions, since my gas company was closed.

I called first thing this morning-and was told to go ahead and fill it, all I have to do is request a refund. This is GREAT news, since I LOVE to bake our bread, but I may just try to stretch it out anyway, since it's hot out and requesting a refund is one more thing I'll have to remember to do in the post move mess. However, the lady at the gas company said many people NEVER leave an address to forward a refund check to, so I'm counting this check as a drop in the bucket toward my goal of making money.
Score one for the cheap girl.


Did you remember to check for overpaid utilities on your last move?

Saturday, June 5, 2010

And I digress...What's for dinner?

One day, many years ago, when Mr. Lovinangels and I were young, and broke, and hungry, I went into the kitchen to see about some food. I had exactly five things in my refrigerator- italian sausage, cheddar cheese, milk, potatoes, and beer.
Did someone say soup?

The recipe has morphed, time and time again, as we quickly learned never to be THAT broke, and that planning meals is a positive thing. This is the final product, the one I send to potlucks, etc.
I have to say, this is the one thing my family has asked for over and over. It's not a fussy recipe, either, as long as you follow the basic theory. Of course, you could do it without the sausage, or even the beer, but why would you want to?

4 tbsp butter or oil
1/2 C flour
1 capful of cajun seasoning.
1 lb bulk sausage, or remove sausage from casings.
half a bag of hash browns o' brian
1 quart of chicken broth
1 quart of water
1 bottle good quality dark beer (if you are insisting upon using light, please find a different recipe)
1 good couple of glugs of milk.
half a pound of nice, white, sharp cheddar, shredded.

Melt the butter or heat the oil in the soup pot, add sausage, breaking up with wooden spoon, until cooked. Add flour and continue stirring, until a blonde roux has formed around the sausage.

Shut off the heat if you have a gas stove, and pour in the beer, stirring constantly. Turn heat back on and stir, stir, stir, until the beer begins to thicken.
add the hash browns, seasoning, stock, and as much of the water as you need to just cover the hashbrowns, then pour in the milk, just enough to color it creamy. Continue stirring until it's nice and thick, and taste. Season with salt and pepper and lower heat, to a nice simmer. Now, begin adding the cheese, slowly, one handful at a time, allowing each handful to melt almost completely before adding the next. Taste after the third handful, and adjust seasonings. You can add all the cheese or a portion, and then let it set for a couple of minutes so you don't burn the roof of your mouth off.
Serve with more shredded cheese to pass.

Day 1: The Great Adventure Begins

Over the weekend, we made a momentous decision. We are moving! Into our first HOUSE!!!!! I have three months with which to clean up, consolidate, and otherwise compress our lives. We have a lot of crap. Ridiculous amounts. My affinity for the end caps at Target coupled with an inability to resist a great deal has lead to my house turning into the Land That Time Forgot. I also HATE to put things in a landfill that can otherwise be used. Freecycle is my friend, of course, but I also HATE to get rid of something, only to have to reacquire it late.

The result? You can't get into the attic of the tiny "3" bedroom apartment, without climbing a stack of perilously placed Christmas gift, boxes of toys, and bags of clothing I haven't worn since 1998. HMMMM.

So, this begins my adventure. I will chronicle the event of my perilous struggle to remove the crap from this home before it sidles it's way into the next home. While being as ecofriendly (read: frugal) as possible.

I have a list. I have a plan. I hope, at the end of this, I will have managed to make money off this move. Is it impossible? No, I think not.

Do you have any advice for me?