I've been using Lending Club and Prosper for a few years. My tolerance for risk is quite high, which seems to be different from the author. As you might expect, because of this difference I've come to the exact opposite conclusions, I find that Prosper has better returns, and I consider Lending Club's trading platform to be maddening.
Consuming all leftovers religiously until they are gone.
Going on a trip to Hawaii and immediately going to a local grocery store to buy cereal, milk, plastic spoons and plastic bowls, bread and lunchmeats for lunches to keep in the hotel mini-fridge so that the trip is much cheaper than eating every meal at the hotel restaurant (I didn't go there to eat and it saved about $500 off the trip over a week - I could have afforded the extra but why?).
This is a great list. It always amazes me when people don't think that they can save money. The little things really do add up. As for the buying store brands … I would advise that people check both the store brand and the name brand, believe it or not I have found that the store brand isn't always the cheapest. It is just about checking every price before you make that purchase.
My family finished back-to-school shopping, and we saved a lot of money. A local grocery store had an aisle full of low priced back-to-school supplies (up to 50% off compared to retail shopping stores). Also, we looked for polos and jeans on sale at one retail shop. If they were not on sale, we didn't buy any items. Last but definitely not least we did an in-home inventory. For example, we didn't buy packs of #2 pencils because we already had plenty in the house. We also looked at all clothes that still fit our son, and if they were in good shape and fit, then why buy more clothes?
Oooh, I love the challenge of finding ways to use foods I ruined. The other day I made some rosemary shortbread that crumbled when I tried to take it out of the pan, so I ended up pressing it into a pie dish and covering it with lemon curd -- it made an AWESOME tart!
Re: Edward. Facebook and twitter offer the ability to text what you would have gone on the web to say :). This is a tip that can help if you don't have to have a data plan for your phone; for instance, AT&T requires that Blackberry users buy a data plan :(
Great question. Often the kindness of friends and/or family who have spare room in their basement/garage can solve that dilemma. Many apartment buildings offer storage spaces in basements or annexes too (sometimes for a nominal fee).
I think these are great points, but I wonder what folks who don't have a lot of room can do.
Even if we purge a lot of non-necessary items, we can't store our bikes or winter coats/shoes/clothes in our current apartment. Same goes for expensive stuff that is worth keeping for baby no. 2 - car seat, co-sleeper, bassinet, etc.
What do folks suggest as an alternative for those who don't have storage space at home?
Hi, I was just wondering if you might know the serving size and nutritional info for these cookies? The recipe yielded 23 cookies but probably could've made 24 if I would've proportioned them equally. I also substituted dried cranberries for the raisins.
I agree. I'm a purger by nature and I think only 1% of the time I've regretted letting something go. It's just an object-it can be replaced--usually with something better! http://www.lbeeandthemoneytree.com
I'm happy to say that I already do a lot of these, but I definitely noticed a couple of tricks that I haven't gotten around to ingraining as a habit yet. My big one is taking my lunch to work. I eat out for lunch maybe twice a month, and I'll never go back to buying my lunch every day.
I don't have any self-storage, but it seems like there are some arguments in favor of it, as well.
Some people pay a premium to live in a neighborhood that meets their specific needs (proximity, amentities, etc.), but it doesn't make sense to pay that same premium to store all your stuff there. To take the extreme example -- it might be cheaper/better to get a tiny studio in Manhattan and keep things you don't need on a daily basis in an industrial area in New Jersey than it is to spend more on a larger apartment in Manhattan. Your stuff gains no additional benefit from living in a nice neighborhood -- why spend so much to make inanimate objects happy?
I don't think most people do it that way, but I thought it was worth mentioning.
I think this same kind of thinking happens when people insist on getting a place with a "guest room". Depending on where you live, buying/renting a home with an extra bedroom is a substantial expenditure, and if the room is only used occasionally, it would be *much* cheaper to put people in a nearby hotel if/when you need to host them.
I like the trash can condenser. Way to use what you have! We may want to point out, the lid to the 10 gallon will need to be able to blow off if need be. This will keep it from building up too much pressure. It is better to let off a little steam, then to blow up your garage.
Since the line coming off the lid is so small and goes right into the spiral, you will need to leave plenty of head space in the pot. If you have particulates, chunks of fruit or grains, it will foam and boil up high. This would get in the pipe and plug it.
My first still was a cheap 2 gallon stainless pot with a 3/8 copper line coming off, and coiling down to a jar. The coil got real hot without a cooling device. I ended up draping a towel and pouring ice water on it. It was time consuming and you could only go so fast. I later put aluminum fins on it. I used tin foil and bent 2 inch strips so the ends would dissipate the heat into the air. It was still hot, but condensed. If the condenser is too hot, the alcohol will come out hot. If there is still alcohol in the vapour, you will get a contact drunk, so keep it ventilated.
After this reply, you will see a few post about blindness if you follow this recipe. What recipe, exactly? The sugar wash will not produce enough methanol unless you separated it from the alcohol and collected from a few rounds. In the fruit and grain recipes, we stated to pull off the heads and tails. If anyone is confused about this, stop, ask and then proceed.
Great post! Most of the things in our self storage unit are expendable. We get caught in the "what if I ever need that box of old text books" mentality. Yard sale, here we come!
I totally agree. I would never put anything into storage, unless it was a very temporary situation and even then I would try out alternatives first. Good read.
My "kids" are grown ups now, but that didn't mean no back to school shopping for me. My 83-year old mom, the World's Cutest Boyfriend (mine), and I enjoyed a shopping trip for school supplies for a local school. Since we are so far removed from school days, we had a great time picking out crayons, markers, disposable mechanical pencils, colorful notebooks and folders, etc. for 2 fifth-grade boys. The WCB and I have lots of friends who are still raising school-age kids (and grandkids) so we try to help them out too. So, we hit a few clearance racks with our list of sizes and got back-to-school shirts for 1 girl and 7 boys. We had a great time picking things that "matched" their personalities. It brought back memories of the Good Old Days for me -when my "boys" were little guys. AND it lets these kids know that they are important to us, and we have hopes for their happiness and success.
As a twenty-something, its incredibly hard to resist going shopping. But when I know I'd rather spend my money on other things (like groceries and a car payment) I find other ways to get new clothes. I take name brand clothes I don't wear anymore into stores that give you some cash for gently used items, and then look around for shirts and jeans that cost a fraction of the price they would in they're actual store. Or, every year my friends and I hold a clothing swap party like you mentioned where we can trade clothes we are sick of, for other items that they're sick of after a while.
Awesome article! I think this kind of information will be very helpful for people who come across it and don't know how to calculate figuring out certain loan payments like this. Some of these formulas really would have helped when I was figuring out which student loans to get in comparison to others and how long they would take to pay off.
I've been using Lending Club and Prosper for a few years. My tolerance for risk is quite high, which seems to be different from the author. As you might expect, because of this difference I've come to the exact opposite conclusions, I find that Prosper has better returns, and I consider Lending Club's trading platform to be maddening.
Consuming all leftovers religiously until they are gone.
Going on a trip to Hawaii and immediately going to a local grocery store to buy cereal, milk, plastic spoons and plastic bowls, bread and lunchmeats for lunches to keep in the hotel mini-fridge so that the trip is much cheaper than eating every meal at the hotel restaurant (I didn't go there to eat and it saved about $500 off the trip over a week - I could have afforded the extra but why?).
No, I don't have kids, so I don't have to worry about it.
Picked up the school items I needed for the kids, so yep, I'm done.
This is a great list. It always amazes me when people don't think that they can save money. The little things really do add up. As for the buying store brands … I would advise that people check both the store brand and the name brand, believe it or not I have found that the store brand isn't always the cheapest. It is just about checking every price before you make that purchase.
My family finished back-to-school shopping, and we saved a lot of money. A local grocery store had an aisle full of low priced back-to-school supplies (up to 50% off compared to retail shopping stores). Also, we looked for polos and jeans on sale at one retail shop. If they were not on sale, we didn't buy any items. Last but definitely not least we did an in-home inventory. For example, we didn't buy packs of #2 pencils because we already had plenty in the house. We also looked at all clothes that still fit our son, and if they were in good shape and fit, then why buy more clothes?
I haven't finished yet, because some things can wait. I am waiting for more deals to combine.
Oooh, I love the challenge of finding ways to use foods I ruined. The other day I made some rosemary shortbread that crumbled when I tried to take it out of the pan, so I ended up pressing it into a pie dish and covering it with lemon curd -- it made an AWESOME tart!
Re: Edward. Facebook and twitter offer the ability to text what you would have gone on the web to say :). This is a tip that can help if you don't have to have a data plan for your phone; for instance, AT&T requires that Blackberry users buy a data plan :(
Great question. Often the kindness of friends and/or family who have spare room in their basement/garage can solve that dilemma. Many apartment buildings offer storage spaces in basements or annexes too (sometimes for a nominal fee).
I think these are great points, but I wonder what folks who don't have a lot of room can do.
Even if we purge a lot of non-necessary items, we can't store our bikes or winter coats/shoes/clothes in our current apartment. Same goes for expensive stuff that is worth keeping for baby no. 2 - car seat, co-sleeper, bassinet, etc.
What do folks suggest as an alternative for those who don't have storage space at home?
Hi, I was just wondering if you might know the serving size and nutritional info for these cookies? The recipe yielded 23 cookies but probably could've made 24 if I would've proportioned them equally. I also substituted dried cranberries for the raisins.
I agree. I'm a purger by nature and I think only 1% of the time I've regretted letting something go. It's just an object-it can be replaced--usually with something better! http://www.lbeeandthemoneytree.com
I'm happy to say that I already do a lot of these, but I definitely noticed a couple of tricks that I haven't gotten around to ingraining as a habit yet. My big one is taking my lunch to work. I eat out for lunch maybe twice a month, and I'll never go back to buying my lunch every day.
I don't have any self-storage, but it seems like there are some arguments in favor of it, as well.
Some people pay a premium to live in a neighborhood that meets their specific needs (proximity, amentities, etc.), but it doesn't make sense to pay that same premium to store all your stuff there. To take the extreme example -- it might be cheaper/better to get a tiny studio in Manhattan and keep things you don't need on a daily basis in an industrial area in New Jersey than it is to spend more on a larger apartment in Manhattan. Your stuff gains no additional benefit from living in a nice neighborhood -- why spend so much to make inanimate objects happy?
I don't think most people do it that way, but I thought it was worth mentioning.
I think this same kind of thinking happens when people insist on getting a place with a "guest room". Depending on where you live, buying/renting a home with an extra bedroom is a substantial expenditure, and if the room is only used occasionally, it would be *much* cheaper to put people in a nearby hotel if/when you need to host them.
I like the trash can condenser. Way to use what you have! We may want to point out, the lid to the 10 gallon will need to be able to blow off if need be. This will keep it from building up too much pressure. It is better to let off a little steam, then to blow up your garage.
Since the line coming off the lid is so small and goes right into the spiral, you will need to leave plenty of head space in the pot. If you have particulates, chunks of fruit or grains, it will foam and boil up high. This would get in the pipe and plug it.
My first still was a cheap 2 gallon stainless pot with a 3/8 copper line coming off, and coiling down to a jar. The coil got real hot without a cooling device. I ended up draping a towel and pouring ice water on it. It was time consuming and you could only go so fast. I later put aluminum fins on it. I used tin foil and bent 2 inch strips so the ends would dissipate the heat into the air. It was still hot, but condensed. If the condenser is too hot, the alcohol will come out hot. If there is still alcohol in the vapour, you will get a contact drunk, so keep it ventilated.
After this reply, you will see a few post about blindness if you follow this recipe. What recipe, exactly? The sugar wash will not produce enough methanol unless you separated it from the alcohol and collected from a few rounds. In the fruit and grain recipes, we stated to pull off the heads and tails. If anyone is confused about this, stop, ask and then proceed.
Great post! Most of the things in our self storage unit are expendable. We get caught in the "what if I ever need that box of old text books" mentality. Yard sale, here we come!
I totally agree. I would never put anything into storage, unless it was a very temporary situation and even then I would try out alternatives first. Good read.
My "kids" are grown ups now, but that didn't mean no back to school shopping for me. My 83-year old mom, the World's Cutest Boyfriend (mine), and I enjoyed a shopping trip for school supplies for a local school. Since we are so far removed from school days, we had a great time picking out crayons, markers, disposable mechanical pencils, colorful notebooks and folders, etc. for 2 fifth-grade boys. The WCB and I have lots of friends who are still raising school-age kids (and grandkids) so we try to help them out too. So, we hit a few clearance racks with our list of sizes and got back-to-school shirts for 1 girl and 7 boys. We had a great time picking things that "matched" their personalities. It brought back memories of the Good Old Days for me -when my "boys" were little guys. AND it lets these kids know that they are important to us, and we have hopes for their happiness and success.
As a twenty-something, its incredibly hard to resist going shopping. But when I know I'd rather spend my money on other things (like groceries and a car payment) I find other ways to get new clothes. I take name brand clothes I don't wear anymore into stores that give you some cash for gently used items, and then look around for shirts and jeans that cost a fraction of the price they would in they're actual store. Or, every year my friends and I hold a clothing swap party like you mentioned where we can trade clothes we are sick of, for other items that they're sick of after a while.
Awesome article! I think this kind of information will be very helpful for people who come across it and don't know how to calculate figuring out certain loan payments like this. Some of these formulas really would have helped when I was figuring out which student loans to get in comparison to others and how long they would take to pay off.
sounds like a list if you grew up poor, not just frugal
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thank goodness i don't have any back to school shopping to do yet