cheapskate http://www.wisebread.com/taxonomy/term/1730/all en-US Best Money Tips: Ways to Kickstart Your Inner Cheapskate http://www.wisebread.com/best-money-tips-ways-to-kickstart-your-inner-cheapskate <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-ways-to-kickstart-your-inner-cheapskate" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/cash-5041544-small.jpg" alt="coins" title="coins" class="imagecache imagecache-250w" width="250" height="168" /></a> </div> </div> </div> <p>Welcome to Wise Bread&#39;s <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some stellar articles on kickstarting your inner cheapskate, maximizing charity donations, and why you didn&#39;t get a promotion.</p> <h2>Top 5 Articles</h2> <p><a href="http://andthenwesaved.com/26-ways-kickstart-inner-cheapskate/">26 Ways To Kickstart Your Inner Cheapskate</a> &mdash; To kickstart your inner cheapskate, learn things online and give up junk food. [And Then We Saved]</p> <p><a href="http://moneysmartlife.com/ways-to-maximize-your-charity-donations/">4 Ways to Maximize Your Charity Donations</a> &mdash; If you want to maximize your charity donations, go local. [Money Smart Life]</p> <p><a href="http://www.savvysugar.com/Why-I-Didnt-Get-Promoted-26989167">8 Reasons Why You Didn&#39;t Get That Promotion</a> &mdash; You may not have gotten promoted because you aren&#39;t visible enough. [PopSugar Smart Living]</p> <p><a href="http://www.biblemoneymatters.com/how-to-put-together-a-home-office/">How To Put Together A More Functional And Organized Home Office</a> &mdash; Cutting down on clutter and having plenty of storage can make your home office more functional and organized. [Bible Money Matters]</p> <p><a href="http://parentingsquad.com/8-kitchen-gadgets-that-make-your-life-easier">8 Kitchen Gadgets That Make Your Life Easier</a> &mdash; A food chopper and digital timer will make your life easier in the kitchen. [Parenting Squad]</p> <h2>Other Essential Reading</h2> <p><a href="http://livingonthecheap.com/way-go-x-ways-save-spas/">8 ways to save at spas</a> &mdash; To save money at the spa, look for package deals and make the most of your visit by using the facilities available to you. [Living on the Cheap]</p> <p><a href="http://www.thesimpledollar.com/your-measuring-stick-for-financial-success/">Your Measuring Stick for Financial Success</a> &mdash; When measuring financial success, remember that only you can measure your success. [The Simple Dollar]</p> <p><a href="http://staplerconfessions.com/index.php/7-ways-renters-can-reduce-heating-costs/">7 Ways Renters Can Reduce Heating Costs</a> &mdash; Installing weatherstripping on outside doors and opening curtains are a couple ways for renters to reduce their heating costs. [Stapler Confessions]</p> <p><a href="http://cashmoneylife.com/traditional-roth-ira-contribution-limits/">Traditional and Roth IRA Contribution Limits - 2014 &amp; Historic</a> &mdash; In 2014, people 49 and under can contribute $5,500 to their IRA. [Cash Money Life]</p> <p><a href="http://www.stretcher.com/stories/07/07jan15g.cfm?slider">Advice from the Trenches of New Motherhood</a> &mdash; If you are a new mom, accept help when it&#39;s offered and ask when it&#39;s necessary. [TheDollarStretcher.com]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-ways-to-kickstart-your-inner-cheapskate">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/51-uses-for-coca-cola-the-ultimate-list">51 Uses for Coca-Cola – the Ultimate List</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-spectacular-uses-for-that-lone-can-of-fruit">8 Spectacular Uses for that Lone Can of Fruit</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/blood-gore-and-hairy-warts-a-diy-halloween-makeup-guide">Blood, gore and hairy warts; a DIY Halloween makeup guide.</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-your-own-self-tanning-lotion-and-5-other-fabulous-diy-tips-from-the-web">Make Your Own Self-tanning Lotion and 5 Other Fabulous DIY Tips from the Web</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-ultimate-guide-to-holiday-tipping">The Ultimate Guide to Holiday Tipping</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living best money tips cheapskate tips ways Tue, 21 Jan 2014 11:00:14 +0000 Ashley Jacobs 1112730 at http://www.wisebread.com Gift Ideas for Practical People http://www.wisebread.com/gift-ideas-for-the-frugal <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/gift-ideas-for-the-frugal" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/gift-3992697-small.jpg" alt="gift" title="gift" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>What do you buy for people who hate to spend money? You would think the answer is to get that designer scarf that they would never buy for themselves, but extravagance is not usually the route to a frugal heart. As a cheapskate myself, I can tell you there is nothing I love better than receiving a gift that will help <em>me</em> save money throughout the year. (See also: <a href="http://www.wisebread.com/wise-bread-gift-guide-gifts-that-save-money?ref=seealso">25 Gifts That Save Money</a>)</p> <h2>DIY Machines</h2> <p>I like machines such as the <a href="http://www.amazon.com/gp/product/B000N25AGO/ref=as_li_ss_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B000N25AGO&amp;linkCode=as2&amp;tag=holidaygiftg-20">Yogourmet Yogurt Maker</a>, the <a href="http://www.amazon.com/gp/product/B0047BIWSK/ref=as_li_ss_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B0047BIWSK&amp;linkCode=as2&amp;tag=holidaygiftg-20">AeroPress espresso maker</a>, and the <a href="http://www.amazon.com/gp/product/B00EPEALEM/ref=as_li_ss_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=B00EPEALEM&amp;linkCode=as2&amp;tag=holidaygiftg-20">Sodastream seltzer maker</a>. I am trying out all of these myself and expect them each to save me several dollars each time I make yogurt, espresso, or seltzer at home instead of buying it at the grocery store or cafe. Other ideas in this vein include a bread machine or a food processor, or for the very lucky giftee, a KitchenAid mixer.</p> <p>The nice thing about these gifts is that the user doesn&#39;t have to worry about whether the gift pays for itself. They get the thrill of saving money without thinking about the initial investment. (See also: <a href="http://www.wisebread.com/20-great-holiday-gifts-for-home-cooks?ref=seealso">20 Great Gifts for Home Cooks</a>)</p> <h2>Warm Clothing and Wraps</h2> <p>We frugalites are always wondering if we could stand to turn down the thermostat one more degree. That&#39;s why I like <a href="http://www.jockey.com/en-US/Catalog/Silhouette.aspx?CategoryName=Men&amp;DepartmentName=Long%20Underwear&amp;SilhouetteName=Long%20Underwear&amp;List=53">Jockey thermals</a>. I also like Snuggies, down comforters, and those rice sacks that you can heat up in the microwave and stick in your bed.</p> <p>For the truly practical frugalista on your list, how about a roll of insulation? Just kidding. Sort of.</p> <h2>Gift Cards and Subscriptions</h2> <p>Inside my hard, frugal exterior is someone who loves a treat as much as the next girl. I feel a lot better about stopping at the coffee or ice cream shop if I can whip out a gift card to pay. Does your cheapskate friend accumulate Walgreens Register Rewards or CVS ExtraBucks? A gift card for one of those stores is always cherished, because it means your friend will not even have to pay tax out of pocket!</p> <p>Personally, I am kind of hoping for a subscription to a monthly music service such as $9.99/month <a href="https://mog.com/">Mog</a> Primo plan. <a href="http://www.audible.com/">Audible</a> subscriptions are also great (and right now you can get $100 off a device if you sign up for a year), and <a href="http://www.netflix.com">Netflix</a> is a cheapskate&#39;s dream.</p> <p>As with any gift, you should be sure that you don&#39;t leave your giftee with an ongoing obligation.</p> <h2>Edibles</h2> <p>Not a Harry &amp; David basket &mdash; that kind of thing makes my cheapness muscles clench up because I know how much they cost. But most frugal people enjoy a basket of <a href="http://www.wisebread.com/7-savory-holiday-food-gifts">delicious items</a>, either handmade or store bought. Most <em>people</em>, really. (See also: <a href="http://www.wisebread.com/15-unique-holiday-gifts-you-can-bake?ref=seealso">15 Gifts You Can Bake</a>)</p> <h2>Groupons and Other Daily&nbsp;Deals</h2> <p>I won&#39;t be giving any <a href="http://www.wisebread.com/all-the-savings-under-the-sun-12-essential-daily-deal-sites">daily deal certificates</a> this year because I&#39;ve found that a lot of recipients don&#39;t redeem them, and that stresses me out. But if you have someone really frugal on your list, they&#39;ll be sure to redeem the deal. Just make sure it&#39;s a certificate for a whole service or item &mdash; not $50 <em>toward</em> a $400 product, for example.</p> <p><em>Over on my blog <a href="http://chicago.frugalisticmom.com/">Frugalistic Mom</a>, I recently shared these ideas and more <a href="http://chicago.frugalisticmom.com/2011/12/gifts-for-cheapskates-gift-guide-its-a-wrap/">money-saving gift items</a> I have reviewed. I received a Yogourmet Yogurt Maker, an AeroPress espresso maker, and a Sodastream from their makers in order to review them.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/gift-ideas-for-the-frugal">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/31-great-gifts-that-keep-on-giving">31 Great Gifts That Keep on Giving</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-alternative-gift-ideas-for-chanukah">8 Alternative Gift Ideas for Chanukah</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-i-got-over-my-haggling-hatred">How I Got Over My Haggling Hatred</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/13-food-items-to-always-buy-in-bulk">13 Food Items to Always Buy in Bulk</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-indoor-tv-antennas">The 5 Best Indoor TV Antennas</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping cheapskate frugal gift ideas holiday gift ideas Tue, 20 Dec 2011 11:00:11 +0000 Carrie Kirby 818249 at http://www.wisebread.com How I Got Over My Haggling Hatred http://www.wisebread.com/how-i-got-over-my-haggling-hatred <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/wisebread_imce/haggle_small.jpg" alt=" " width="270" height="150" /></p> <p>I used to really hate haggling. That vain, self-conscious part of me that doesn&#39;t want to appear cheap, or worse, <em>stingy</em>, has always had an aversion to haggling. As I&#39;ve gotten older, though, I&#39;ve come to realize that it&#39;s a necessary evil, and who doesn&#39;t love a little bit of evil?</p> <p>A few years ago, I briefly dated a young man from Kenya. Because he looked like a bit of a beach bum with his dreadlocks and baggy pants and silver earrings, he got away with bargaining in places that I wouldn&#39;t THINK of bargaining. Like electronics shops, or bakeries. The guy had no shame! He would never hesitate to ask for an additional 20% off of anything - and he almost always got at least 10% off. He was like a discount savvy pirate, and I HATED shopping with him because of it.</p> <p>But I eventually saw the light. After living in China, <a href="http://www.beijingtraveltips.com/tips/shopping_1/bargaining_howto.htm">where you bargain for EVERYTHING</a>, from crisps to coats, I&#39;ve found that bargaining has lost some of its stigma. First of all, I had to get over my shame of appearing cheap, which meant that I had to GET OVER MYSELF. Hard to do, when you&#39;re vain and thin-skinned, but it helps. Second, I learned that no one was going to lose money on me, the customer. Salespeople, no matter what they say, are not going to pay out of their pocket to give you a good deal (and if they do, it&#39;s time they found a new job). Lastly, I learned to be really nice. This is hard for me, because I&#39;m naturally kind of... well, not snobby, exactly, but I&#39;m just not the smiley type. But a smile and some kindness really go a long way in life, and if you&#39;re like me and you have to ration your friendliness, you might as well use it when you can save a buck or two.</p> <p>Go ahead, call me a cynic.</p> <p>Asking for additional discounts isn&#39;t easy at first, because no one wants to be the <a href="http://www.craigslist.org/about/best/nyc/118154762.html">subject of a craigslist rant</a>, but really, it never hurts to ask. I&#39;m not suggesting you really dig in your heels with your babysitter or the kid that mows your lawn, but businesses that care to cultivate good customer relationships will be willing to make a deal. It&#39;s cheaper for a business to turn you into a repeat customer than it is for them to gain new customers, so remember that your patronage is highly sought-after.</p> <p>I recently had to put my bargaining skills to the test when purchasing Pergo floors for my basement - and it worked! I saved $200 by simply being firm in my price range and very friendly. There&#39;s always a little wiggle room, so give it a shot! The worst that can happen is the salesperson saying &quot;No&quot;, right?</p> <h4>Tips for Haggling</h4> <p>The basic rundown goes like this: Be polite, but firm. Don&#39;t be ashamed. Don&#39;t flash any bling. </p> <p><a href="http://www.howtohaggle.com/">Howtohaggle.com</a> gives you a simple breakdown of why you can and should haggle, and simple mistakes to avoid.</p> <p><a href="http://nymag.com/nymetro/shopping/sales/salesguide/15553/">New York Magazine</a> gives you the most basic list of bargaining &quot;Do&#39;s&quot;.</p> <p>Lifehacker recently linked to a <a href="http://www.rd.com/content/openContent.do?contentId=15096">good article through Reader&#39;s Digest</a>. </p> <p>Bankrate.com has an <a href="http://www.bankrate.com/brm/news/special/19991001.asp">oddly mixed haggling article</a> for both buyers and sellers, mostly pertaining to houses. I&#39;ve often used the &quot;Invoke a Higher Power&quot; tactic when bargaining, and I dig that salespeople are encouraged to &quot;flinch&quot; whenever you make an offer. </p> <p>Get Rich Slowly has <a href="http://www.getrichslowly.org/blog/2006/07/11/how-to-save-money-by-haggling/">some good haggling tips</a>, as well, and ones that I employ include being polite, shopping at the end of the month, and not being afraid to walk away.</p> <p><a href="http://www.askmen.com/fashion/how_to/12_how_to.html">AskMen.com</a> points out that you can ALWAYS get an article of clothing cheaper if there is something slightly wrong with it. Defective details mean an automatic 10-20% off of an article of clothing at my local Target.</p> <p>Real Simple reminds you that there&#39;s <a href="http://www.realsimple.com/realsimple/content/organize/0,21770,681054,00.html">nothing wrong with bargaining at a tag sale</a> (garage/yard sale).</p> <p>If you really want to go hardcore, there&#39;s always something to be learned from Haggle Gran.</p> <p>&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-karim">Andrea Karim</a> of <a href="http://www.wisebread.com/how-i-got-over-my-haggling-hatred">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/buy-sell-make-a-profit-thanks-office-depot">Buy. Sell. Make a Profit. Thanks Office Depot.</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-clearance-price-is-your-achilles-heel">What clearance price is your Achilles Heel?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/miss-the-big-sale-claim-your-savings-anyway">Miss the Big Sale? Claim Your Savings Anyway</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-negotiate-with-confidence-and-strike-the-best-deal">How to Negotiate With Confidence and Strike the Best Deal</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/chinese-money-habits-how-my-culture-influences-my-attitudes-toward-money">Chinese Money Habits - How My Culture Influences My Attitudes Toward Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping ask bargain cheapskate competitors customer service discount haggle haggling lowest price price Mon, 05 Mar 2007 20:38:36 +0000 Andrea Karim 322 at http://www.wisebread.com