Just got my February bill and had a $10 charge for "my wireless30211" Called Tmo and they refunded the charge, and put the blocker on my account. The funny thing is , it was on my mother in laws line. Shes almost 60 and hasnt sent 1 text message since we put them on our account 3 years ago.
I would think bread would be the obvious front-runner. I use an old Betty Crocker recipe, and it's so easy there's almost no excuse for not making it. Yogurt is another, and you don't need a yogurt maker: scald milk in a large pot, cool to 100 degrees, stir in 2T plain yogurt, wrap the pot in a towel and place it on heating pad on "low" overnight. Broth (chicken, beef, or vegetable) is also probably cheaper than if you but the organic kind. Granola or muesli too
I have worked in the customer service industry for 19 years, and my co- workers & I (not minimum wage, that remark was insulting) are constantly amazed at the way many customers treat the representative they are hoping will solve their issuse. First of all, we are human beings just like you. Treat us accordingly & you will be far happier with the outcome of our conversation. Realize we WANT to help you! But name calling, yelling, interrupting, and other negative communication will change our mind in a hurry. Remember, we're human. Please give us the respect we deserve, and understand that we don't want you to be anything but satisfied. Politeness & a bit of humor go a long long way. Telling us a long disjointed story that rambles on & repeats itself will not. We're human! Help us want to help you!
I have been in extreme save mode for months out of absolute neccessity. It sucked. BUT, I finally got us (12 year old son & me) back on our feet. Great, right? Trouble is, now I am feeling afraid / guilty about spending anything on fun stuff. I'm going down the slippery slope to miserly because I'm afraid the slope to spendthriftiness is equally slippery. Maybe I need therapy but I don't want to spend the money...
Dogs have been eating tennis balls for 75+ years . You are apart of a new generation of dog owners I like to call a helicopter dog owners. Helicopter don't let their dog's act like dogs. Did your breeder also tell you that your dog shouldn't eat bones? If a dog was in the wild s/he would gnaw on bones all the time. Do any of these dogs in the wild develop strange human diseases such as diabetes, obesity and cancer at alarming rates? No... They don't. But dogs who only eat processed manufactured dog foods robbed of living enzymes and play with mass produced toys constructed of polyester do. It's like feeding a child Kix cereal all their life. This child will have serious health problems. In my day we fed our dogs bones (cooked and uncooked), scrapes from the table and let them play with tennis balls and the never had these new-fangled now dog diseases such as diabetes. I have been letting my dogs play with tennis balls for years and they are fine and there teeth are strong as a mule's foot. What are breeders going to tell dog owners now? That if they run to long there could wear out their paws ; so we should stop letting our dogs run around. The result would be obesity. Or maybe they will tell them if play too fast their bones will shatter under pressure. Let your dog be a dog. I feel like this breeder of yours is just trying to convince you to buy mass-produced dogs toys and spend more money. This reminds me of all those fad studies in the 80s that made people paranoid and were proven to be wrong today. I love this post. These toy ideas are so useful for my 4-year old golden retrievers Bertha and Buster.
I love Heidi's idea of Kiva and Heifer. There are many great organizations. I bought tshirts for Unicef to provide mosquito nets.
We are finally getting a handle on Christmas. I used to buy my kids at least thirty gifts each, not including all the gifts from dozens of relatives and friends. It would stress the kids out to open all the packages! Now it is three for each. One each for body, mind and soul. So much easier, in every way. Time, money and introspection.
I prefer Trader Joe's for the unique items and the organic soaps. I like their bread mixes, wines and treats too. They have some great cakes and cookies. My budget isn't blown every time I step into a TJ, like it is for Costco. It can be exhausting and time consuming shopping at Costco. I always feel happy and clean leaving a TJ's. I love the flowers too!
P.S. My favorite grocery store is Sprouts! Best fruits and veggies, breads, wines etc.
Be VERY, VERY, VERY careful using this method. It is effective on very good quality silver plate and sterling silver because you don't see the bits of silver that come away with the tarnish. Less expensive pieces of silverplate can be permanently damaged - I know from personal experience!! I learned too late that this method is also very harsh and actually removes silver along with the tarnish. I ruined 2 peices that were wedding gifts as well as a few trays and a coffee pot. I used this method for a long time and it wasn't until a few of peices didn't want to come clean that I spoke to a silversmith who told me that my items were ruined. The only way to save them would be to re-plate and it was not worth the cost. I investigated further and learned that the information from the professional was indeed correct and most professionals will tell you the same thing. A good quality silver polish is still your best bet. Tarnex and similar products are also very dangerous and also cause permanent damage. Good quality polishes cost a bit more and are available at jewelers, hardware stores and specialty stores. Do not trust the bix box retailers. Those old-fashioned polishes with a bit of elbow grease will ensure that your silver will stay beautiful for your grandchildren. There's a reason our grandmother's silver is still around today!! There are many excellent uses for baking soda - and I use it for many things myself - but cleaning silver is not one of them.
Going on 30 years of married life and all of the things that are saidin the article are true you may not be able to always "not go to mad" but you can remember that the bedroom is not EVER the place to argue or fight or work out differences. Your Bedroom is the place you always use as the safe place the place where even if you aren't perfectly happy right at that moment you go to bed and kiss good night and hold each other. Go outside and sit on the porch if you are needing to argue. But ya know the biggest thing is to take your time before you get married. Sex is great but if you can be in love and be friends without it for 6 months in the beginning you will learn so much more about each other. Talk talk talk, you can never talk enough in the beginning. Try to be best friends first then lovers. Your marriage will be alot happier. AND NEVER LIE to your partner. There isn't a reason. Tell them the fears or anger you feel in your heart. If in your past you think you have done something you can trust no one with. Make sure your partner is the one you trust with it. When you trust your partner before you are married with something so scary to you before sex you willbe starting on a good solid foundation.
I buy a half-gallon on almond milk (not organic) for about $1.50-$2.50; to make that with fresh (non-organic) almonds would be about $10 according to the recipe listed here. Yes mine has some extra preservatives in it, but not many, and is just so much cheaper. For hose of us without the financial resources o make fresh, that's a much better choice.
Thanks for post this one, you are right many people’s having this question “How Much Should I Invest” or can I invest money with zero invest ? or start taking risk with some few thousand dollars? We know that investment is putting money into something with the expectation of gain. Most or all forms of investment involve some form of risk, such as investment in equities, property, and even fixed interest securities which are subject, inter alia, to inflation risk.
While I love the idea of making staples yourself, I don't see how the math adds up for the almond milk. Even in an urban setting, 64 ounces of almond milk runs about $3.99. How does 1 pound of almonds—at a cost of $10—save money if it only makes 24 to 32 ounces?? According to these calculations, making almond milk yourself would cost over $20 for 64 ounces...versus purchasing 64 ounces of premade almond milk for $3.99 or LESS.
If you make applesauce with apples with pinkish skin, and keep the skins on when you cook and then put them in the mill, you will have the most lovely pink applesauce! And just today, I bought 4 pints of cherry tomatoes that were marked down, and not one of them was bad. So I put them in a blender for a few seconds, and then froze them for future pasta sauce....guess I could have frozen then whole to make chunky salsa, too.
I'm not sure about some of those but I'm definitely going to try the peanut butter. My husband loves natural peanut butter and it's getting really expensive. He would love being able to make it himself. Thanks for sharing.
What is your latte factor? Food. Would you give it up for the savings? I'd cut back, but not entirely. If you've already given something up, how much have you saved so far? Travel (until I meet my savings goals and pay off my debt.) It's been a few years and I've saved a few thousand annually.
Not only will it save you money to make these items at home, you can make them so they only contain fresh ingredients that you know about. Salsa and salad dressing are two of my favorites to make myself and are super easy. Other good ones are guacamole, trail mix and protein bars.
It is good motivation when you finally allow yourself something you've wanted after holding off for a long time- delayed gratification. And buying yourself a nice pair of shoes or a bag that will last you a while will probably save you money in the long run rather than having a number of them break on you forcing you to buy more than 2 or 3.
Just got my February bill and had a $10 charge for "my wireless30211" Called Tmo and they refunded the charge, and put the blocker on my account. The funny thing is , it was on my mother in laws line. Shes almost 60 and hasnt sent 1 text message since we put them on our account 3 years ago.
Great list! We can truly save a lot when we are the one who should be making these foods. We will also be sure of the quality of the products we made.
I would think bread would be the obvious front-runner. I use an old Betty Crocker recipe, and it's so easy there's almost no excuse for not making it. Yogurt is another, and you don't need a yogurt maker: scald milk in a large pot, cool to 100 degrees, stir in 2T plain yogurt, wrap the pot in a towel and place it on heating pad on "low" overnight. Broth (chicken, beef, or vegetable) is also probably cheaper than if you but the organic kind. Granola or muesli too
The secret to a good ad is to have big, high resolution images. You do this by uploading your images to an image host, such as http://craigupload.com
I have worked in the customer service industry for 19 years, and my co- workers & I (not minimum wage, that remark was insulting) are constantly amazed at the way many customers treat the representative they are hoping will solve their issuse. First of all, we are human beings just like you. Treat us accordingly & you will be far happier with the outcome of our conversation. Realize we WANT to help you! But name calling, yelling, interrupting, and other negative communication will change our mind in a hurry. Remember, we're human. Please give us the respect we deserve, and understand that we don't want you to be anything but satisfied. Politeness & a bit of humor go a long long way. Telling us a long disjointed story that rambles on & repeats itself will not. We're human! Help us want to help you!
I have been in extreme save mode for months out of absolute neccessity. It sucked. BUT, I finally got us (12 year old son & me) back on our feet. Great, right? Trouble is, now I am feeling afraid / guilty about spending anything on fun stuff. I'm going down the slippery slope to miserly because I'm afraid the slope to spendthriftiness is equally slippery. Maybe I need therapy but I don't want to spend the money...
Dogs have been eating tennis balls for 75+ years . You are apart of a new generation of dog owners I like to call a helicopter dog owners. Helicopter don't let their dog's act like dogs. Did your breeder also tell you that your dog shouldn't eat bones? If a dog was in the wild s/he would gnaw on bones all the time. Do any of these dogs in the wild develop strange human diseases such as diabetes, obesity and cancer at alarming rates? No... They don't. But dogs who only eat processed manufactured dog foods robbed of living enzymes and play with mass produced toys constructed of polyester do. It's like feeding a child Kix cereal all their life. This child will have serious health problems. In my day we fed our dogs bones (cooked and uncooked), scrapes from the table and let them play with tennis balls and the never had these new-fangled now dog diseases such as diabetes. I have been letting my dogs play with tennis balls for years and they are fine and there teeth are strong as a mule's foot. What are breeders going to tell dog owners now? That if they run to long there could wear out their paws ; so we should stop letting our dogs run around. The result would be obesity. Or maybe they will tell them if play too fast their bones will shatter under pressure. Let your dog be a dog. I feel like this breeder of yours is just trying to convince you to buy mass-produced dogs toys and spend more money. This reminds me of all those fad studies in the 80s that made people paranoid and were proven to be wrong today. I love this post. These toy ideas are so useful for my 4-year old golden retrievers Bertha and Buster.
I love Heidi's idea of Kiva and Heifer. There are many great organizations. I bought tshirts for Unicef to provide mosquito nets.
We are finally getting a handle on Christmas. I used to buy my kids at least thirty gifts each, not including all the gifts from dozens of relatives and friends. It would stress the kids out to open all the packages! Now it is three for each. One each for body, mind and soul. So much easier, in every way. Time, money and introspection.
I prefer Trader Joe's for the unique items and the organic soaps. I like their bread mixes, wines and treats too. They have some great cakes and cookies. My budget isn't blown every time I step into a TJ, like it is for Costco. It can be exhausting and time consuming shopping at Costco. I always feel happy and clean leaving a TJ's. I love the flowers too!
P.S. My favorite grocery store is Sprouts! Best fruits and veggies, breads, wines etc.
So true! I'm really working on that. We buy many items at resale shops and on clearance.
My latte factor is craft items. I am cutting back in purchases and have opened an etsy store to sell what I have already made.
Amazing article, and full of useful links, as expected from Nora! :D Thank you!
Be VERY, VERY, VERY careful using this method. It is effective on very good quality silver plate and sterling silver because you don't see the bits of silver that come away with the tarnish. Less expensive pieces of silverplate can be permanently damaged - I know from personal experience!! I learned too late that this method is also very harsh and actually removes silver along with the tarnish. I ruined 2 peices that were wedding gifts as well as a few trays and a coffee pot. I used this method for a long time and it wasn't until a few of peices didn't want to come clean that I spoke to a silversmith who told me that my items were ruined. The only way to save them would be to re-plate and it was not worth the cost. I investigated further and learned that the information from the professional was indeed correct and most professionals will tell you the same thing. A good quality silver polish is still your best bet. Tarnex and similar products are also very dangerous and also cause permanent damage. Good quality polishes cost a bit more and are available at jewelers, hardware stores and specialty stores. Do not trust the bix box retailers. Those old-fashioned polishes with a bit of elbow grease will ensure that your silver will stay beautiful for your grandchildren. There's a reason our grandmother's silver is still around today!! There are many excellent uses for baking soda - and I use it for many things myself - but cleaning silver is not one of them.
no problem with organic heavy whipping cream - but the carton does not open into the pouring spout. Three times this has happened to me. Bummer
Going on 30 years of married life and all of the things that are saidin the article are true you may not be able to always "not go to mad" but you can remember that the bedroom is not EVER the place to argue or fight or work out differences. Your Bedroom is the place you always use as the safe place the place where even if you aren't perfectly happy right at that moment you go to bed and kiss good night and hold each other. Go outside and sit on the porch if you are needing to argue. But ya know the biggest thing is to take your time before you get married. Sex is great but if you can be in love and be friends without it for 6 months in the beginning you will learn so much more about each other. Talk talk talk, you can never talk enough in the beginning. Try to be best friends first then lovers. Your marriage will be alot happier. AND NEVER LIE to your partner. There isn't a reason. Tell them the fears or anger you feel in your heart. If in your past you think you have done something you can trust no one with. Make sure your partner is the one you trust with it. When you trust your partner before you are married with something so scary to you before sex you willbe starting on a good solid foundation.
I buy a half-gallon on almond milk (not organic) for about $1.50-$2.50; to make that with fresh (non-organic) almonds would be about $10 according to the recipe listed here. Yes mine has some extra preservatives in it, but not many, and is just so much cheaper. For hose of us without the financial resources o make fresh, that's a much better choice.
I never developed habits that cost a little, but I do them a lot. Couldn't ever justify spending the money!
Thanks for post this one, you are right many people’s having this question “How Much Should I Invest” or can I invest money with zero invest ? or start taking risk with some few thousand dollars? We know that investment is putting money into something with the expectation of gain. Most or all forms of investment involve some form of risk, such as investment in equities, property, and even fixed interest securities which are subject, inter alia, to inflation risk.
While I love the idea of making staples yourself, I don't see how the math adds up for the almond milk. Even in an urban setting, 64 ounces of almond milk runs about $3.99. How does 1 pound of almonds—at a cost of $10—save money if it only makes 24 to 32 ounces?? According to these calculations, making almond milk yourself would cost over $20 for 64 ounces...versus purchasing 64 ounces of premade almond milk for $3.99 or LESS.
I avoid coffee products!
If you make applesauce with apples with pinkish skin, and keep the skins on when you cook and then put them in the mill, you will have the most lovely pink applesauce! And just today, I bought 4 pints of cherry tomatoes that were marked down, and not one of them was bad. So I put them in a blender for a few seconds, and then froze them for future pasta sauce....guess I could have frozen then whole to make chunky salsa, too.
I'm not sure about some of those but I'm definitely going to try the peanut butter. My husband loves natural peanut butter and it's getting really expensive. He would love being able to make it himself. Thanks for sharing.
What is your latte factor? Food. Would you give it up for the savings? I'd cut back, but not entirely. If you've already given something up, how much have you saved so far? Travel (until I meet my savings goals and pay off my debt.) It's been a few years and I've saved a few thousand annually.
Not only will it save you money to make these items at home, you can make them so they only contain fresh ingredients that you know about. Salsa and salad dressing are two of my favorites to make myself and are super easy. Other good ones are guacamole, trail mix and protein bars.
It is good motivation when you finally allow yourself something you've wanted after holding off for a long time- delayed gratification. And buying yourself a nice pair of shoes or a bag that will last you a while will probably save you money in the long run rather than having a number of them break on you forcing you to buy more than 2 or 3.