Archive for March, 2009

Dine Out To Spend More Money

Tuesday, March 31st, 2009
This is generally your best option for eating, along with some vitamins. But if you want to wuss out and eat out, I'll have to understand.

This is generally your best option for eating, along with some vitamins. But if you want to wuss out and eat out, I'll have to understand.

Everybody knows that eating in saves you money, but seriously, who wants to do that? You have to pre-heat the oven, scatter the cockroaches away from your dishes, and rinse off your fork. No, it’s much easier to eat out and not have to worry about any of that stuff. However, eating out can cause issues as well-namely, to your wallet. Sometimes it feels as if, after the meal, that you’ve frittered away $1000 on a sundae. Other times that feeling is correct and you actually have, because Serendipity in New York apparently sells one. The perfect way to get your daily intake of Au, I say.

Seriously, eating out is not cheap. According to www.marketwatch.com, people ages 16-27 eat out, on average, 27 times a month. Those crazy kids, spending all their money before they get a penny in their pocket, right? Not so. 28-39 year olds eat out 21 times a month on average. At an average of $6 a plate, that adds up to…around $1,152 a year for those in the youngest group. That’s more than I spent on my car. Now, granted, eating at home costs money, but not nearly as much. With the rabid use of coupons (like I instructed you to use in a previous post), you can easily save as much as 50% more than you would spend on the typical meal at the restaurant.

So now that you’ve committed yourself to the life of a hermit, let me further explain myself. You can eat out, but you gotta be sneaky about it. I don’t mean that you won’t tell your spouse about it, as I’m sure they’ll want to abandon your home cooking at the first chance they get, but I mean you need to try and save money even if you do eat out. It can be done. Here’s a site completely devoted to food that is $3.99 or less, some of the offerings make $5 McDonald’s meals look as spendthrifty as caviar. Even if you throw all your coupons out the window, there are still deals to be had. Five bucks at Little Caesar’s for a pizza that feeds two? That rocks my socks. You can also find great deals at little out-of-the way places, remember, they don’t have to pay for franchising fees, stock options, or mega-CEO salaries. Oftentimes, as well, they aren’t as high-strung. If you ever find out that a restaurant’s employees are chasing each other around with meat cleavers, it’s time to find a different dinner destination.

By far, however, the best deal in eating out is your local Chinese buffet. If you don’t have a job, you could conceivably pay $5.99 and eat all day. Just be careful, sometimes the staff will notice and tell you to leave. If you have to turn your head everytime they walk by, then so be it. I would suggest you just bring a disguise and change, but that could backfire and you might have to pay for even more than you bargained for. I would say your best bet is to hide out in the bathroom until they forget you were only there for the lunch buffet, and get out in time for dinner.  Being in the bathroom for three hours might even be a legitimate excuse, depending on if you ate the Egg Foo Young before it had warmed up.

So, although eating out can cost more than you would spend eating in most of the time, you can control where you eat to control how much you spend. One Golden Opulance Sundae, or two hundred Little Caesar’s pizzas? I know which one I’d choose.

What can I say, I have quite a sweet tooth.

Not Your Mother’s Library

Sunday, March 29th, 2009
Historical fact: lattes gave George Washington menengitis, hence the rudimentary dentures.

Historical fact: lattes gave George Washington menengitis, hence the rudimentary dentures.

Ok, so your Tweenage daughter wants a copy of Twilight and you don’t want to shell out the cheese. Your alone on a Friday afternoon and you want nothing better than to sit down to the third season of M*A*S*H*. Your computer exploded and you need someplace other than Kinkos, which charges $12 an hour for computer usage, to go to so you can get the latest stock quotes (yeah, right, more like Facebook time).

Libraries are more useful than for their free WiFi. They can actually be a huge resource for those strapped for cash. Traditionally, you would never want to step foot in a library. They are quiet…too quiet. Now that liberals are in the White House, though, librarians have started loosening their collars and unhooking the first button at the top of their blouses. You can walk into libraries now and see actual human beings, instead of those photophobic peculiar past-obsessed people. There are computers, new books, and they even let you take home DVD’s in public libraries nowadays. I know, I know I’ll let you recuperate. Now here’s an even bigger secret…it’s all free!

Somebody get Jesus, cause I think I’m in Heaven! Depending on if you live in an urban area, there also may be a coffee shop or small eatery in your library, and I’m pretty sure they all have restrooms, and chairs. If you were so inclined, there is a small possibility you could live at the library. And, you’d be able to get a ton of stuff done, as well. Here’s a rundown of the savings:

Item                            In a Store                       At a Library

Book                              $35                                    $0

Internet                       $.25 a min.                      $0

T.V.                               $30 a month                   $0

Rent                                $600                               $0

Depending on how much you use all that stuff, you could really be on your way to savings. You might actually need to add more to the rent on the library side, depending on how sneaky you are, due to fines. Besides, it is practically a given that none of your friends will be slumming at the library, so there is little chance they will find out that is where you are at. This could ruin your reputation, as some still have the stigma that all library patrons are heliophobic hunchback history-obsessed humaniods. I’ll let you in on a little secret…I am writing this blog at a library right this second. And you weren’t the wiser, were you?

Now, before you get all warm and fuzzy about our government and it’s giving us these amazing local resources for free, there are some drawbacks. The late fees can get expensive- especially if you wait as long as this guy to return a book. Also, you might have to pay for things such as printing. And about that quiet…yeah, you really should be quiet in a library still. The older librarians usually give you some sour looks if you don’t. There might be some aversion to travelling all the way down to the library to check if someone IM’d you.

Also, there is the off-chance of a serious paper-cut.

Why Pay When WiFi?

Wednesday, March 25th, 2009

Bills stink. You have to open the mailbox, pull out those letters, and fear what’s inside. If you could eliminate a bill, why wouldn’t you? That’s why you should call your internet service provider and cancel your contract. Now.

Done? Ok, I’ll wait.

Are you done yet? Sheesh, took you long enough. Now, you need to find out if you have some WiFi service at your house from an unknowledgeable neighbor who is clueless about setting passwords on their wireless internet. What, you can’t get some wireless internet from next door and you canceled your contract already? Let this be a lesson to you to read over the entire directions before starting on a project.

Alright, alright, I’ll take pity on you. If you can’t get wireless internet from a next door neighbor from inside your home, which would be the ideal situation, there are plenty of options left. You have an estimated extra $50 lying around now every month (since you canceled your contract), so that will help in re-establishing your surfing. If you seriously now don’t have the internet, make sure you don’t navigate away from this page or you will never find out how to get it again.

The first place that you will want to turn is your local library or university. Often, they have free wireless internet for anyone, which is a great option. There are other benefits as well, namely attractive coeds and that librarian. Also, the wireless internet is free. Free. What a wonderful word. Often, you can even get a good book or magazine to read, or just hang out on the lawn if you are on a college campus. However, one thing you don’t have usually, is coffee. Also, if you do your interneting late at night, that nixes the library, and, depending on your age, you might look strange  at a college at 2 am.

Enter Denny’s. Mmm…warm fluffy pancakes, some sausage, and a toasty mug of coffee all served by a no-care attitude staff. Every hour of the day or night. Plus…they usually have free WiFi. Normally I wouldn’t condone eating out like this, but if you make a list of everything you are thinking about researching, and you don’t normally check your email too often, you could take that $50 your saving and put it towards pancakes. Mmm….warm fluffy pancakes, some sausage, and a toasty…snap out of it! Denny’s sure is good, though.

Ok, so you basically have used your $50 just by one week of WiFi usage at your local Denny’s. Well, now, more than ever, you can get WiFi at all your regular errand run spots. Your washing your laundry at a laundromat (your human-powered washing machine must have broken)  and you want to find out some weird washteria facts? No problem. Bored of your preacher’s sermon on Sunday? Go ahead and browse Blogspot ’cause you got a hotspot, Saint!

If you ever felt like putting that extra $50 I saved you to good use, I am going to be changing this site in the near future and adding a Donate to Paypal button. Just sayin’.

Clipping Coupons

Friday, March 20th, 2009
Some coupons are more useful than others.

Some coupons are more morbid than others.

Everybody knows if you get the Sunday paper (or steal it from your neighbor’s porch), you can find a ton of little coupons inside it for stuff you use everyday. Well, let me tell you, those really add up. I mean, over time, if you use them consistently, and don’t mind spending hours cutting them out for 25 cents here, 40 cents there.

Well, actually, that is a thing of the past. If you know what a blog is and realize your reading one right now, you probably know you can get coupons on the internet and print them out-no Sunday paper needed. That’s not to say there isn’t other reasons why you would want to read the paper (warning, mildly crude joke). However, in all seriousness, I didn’t really realize how easy or beneficial this can be. There’s this lady out there called the “Coupon Mom” who has an entire website devoted to coupons. I mean, it doesn’t really sound like I’d want to hang out with her on a regular basis, but you can’t beat saving money. Other, frankly better, sites that rocks my socks are www.retailmenot.com and www.smartsource.com. I found this great blog that has many resources, but she mentions a 6 good places to get coupons. If you can get coupons to buy stuff you already have to get, that’s more money for other stuff (like those backed up child support payments)!

Now, as geeky as it may sound to go around clippin’ digital coupons, it actually works. Right now is about the time I’d usually inform you of some outlandish tale of someone getting more back from their coupons than they actually have spent. Well, unfortunately, all I could find was this measly middle classer saving $1000 a month with coupons. I mean, it is no free car, but you can’t sneeze at a grand. Well, I can’t, because I’m not sure I have a grand. Nor is it dusty in here.

I think the main point I am trying to make is that although coupons may only save you fractions of a dollar, fractions of a dollar add up. I would rather save money than spend it, wouldn’t you? And hey, this is something you can really hide from the neighbors. How are they ever going to find out you (gasp!) use coupons? If they do find out, however, your social life is going down in flames. Nobody wants to be friends with a ‘clipper’. So, keep it on the down-low at all costs. Shred the newspaper after your done with it, and burn the remains. Erase your hard-drive and browsing history. And darn it, make sure you wipe down your scissors with alcohol after your done using them!

Cheapen Your Hobbies

Thursday, March 19th, 2009
Actually, I collect money, which you will be able to help with that once I get my "Donate to Paypal" tag up.

Actually, I collect money, which you will be able to help with that once I get my "Donate to Paypal" tag up.

“Everbody’s gotta have a hobby.” It isn’t true. But, if you already have been pulled into the trap of fishing, knitting, or even the trap of trapping, you know how expensive you can get. Fishing is a great example. It used to be you get a stick off the ol’ oak tree and some fishing line from your momma’s ol’ used floss and a lure from your momma’s ol’ heirloom drawer and go down to the ol’ fishing hole and fish ’til you get something or until some girls show up. Then, throw mud at/skinny dip with the girls, depending on your age.

Well, no longer. It’s all about using the right lure with the right pole and in the right spot to get that trophy bass or a Macropinna microstoma (also known as Barreleyes). What ever happened to just enjoying the afternoon and perhaps a cold adult beverage, again, depending on your age? Things are getting pretty ridiculous, I mean, a one million dollar lure? It’s just a publicity stunt, you would think, but the company MacDaddy has sold seven of them so far. With a name like MacDaddy, though, how could you blame them for creating a diamond-encrusted jewel of a lure?

C'mon, to Alice Cooper's "Billion Dollar Babies", sing it..."Million...dollar lu-ure!"

C'mon, to Alice Cooper's "Billion Dollar Babies", sing it..."Million...dollar lu-ure!"

Buying diamond lures are really not the way to live largely on the cheap, unless you buy a knock-off, so what is a fisherman to do? Go back to using that stick and floss, of course. Now, your fishing buddies might laugh, but here’s the way to maintain your ultimate fisher status: “I’m doing this as an experiment for an article in Field & Stream.” There you go, you look even more like a guru than before. Follow that example with any hobby you have, and you’ll be well on your way to living largely on the cheap.

Of course, there is even a better way to keep an interesting hobby while actually making money off of it. Sweepstaking. What a great way to use your time to enter contests to win stuff. I mean, c’mon, if your going to have a hobby, why not make money at it? Besides, if you don’t want people to know that you are stretching your dollars, this is a hobby you can hide easily (unlike most drug addictions).

Speaking of drug addictions, let me talk about those for a moment. They do not make good hobbies. They are illegal. They cost a lot. They take up much of your time. Plus, the little green men always tend to be ‘out to get you’.

There are many, many other hobbies out there that probably cost less than the one you are involved with now. Spam sculpting, extreme ironing, collecting other people’s underwear. Start-up costs for these are fairly low. Lawyer fees could run high, though, for that last one.

The main point I have been trying to make here is that just because you have a hobby, doesn’t mean it has to be expensive. And just because it isn’t expensive, doesn’t mean you have to look bad doing it. Keep a balance between those, and you already are a hero in my eyes.

My barreleyes. (That fish is so weird!)