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Lets save some money

Lets save some money
'Welcome to El Cheapo's'

Saturday, December 26, 2015

from mymoneycoach.ca website

Two Dozen Ways for Saving Money on Clothing

  1. Learn to make minor alterations, e.g. hemming, to get longer wear from an item
  2. Mend items promptly - you will get more wear out of them and you won’t forget you have them (then buy more); this goes for shoes too!
  3. If you have kids, spruce up a hand-me-down with new buttons or a new patch - then the item will look “new” again (works for your own clothes too!)
  4. Launder items promptly to avoid stains ruining themHow to save money on clothes and clothing: 24 tips for saving.
  5. Wash with cold or cool water (fabric lasts longer & saves on hydro costs too!)
  6. Use the right amount of detergent - most people use too much
  7. At the laundromat, use a warm dryer to decrease drying time (and thus cost)
  8. If you buy something that needs dry-cleaning, factor the cost of cleaning the item into the price – a lot of dry-cleaners will press items for you that you washed at home ahead of time
  9. Polish your shoes – they’ll look new again (and you might not need to buy any)
  10. Buy second hand - you never know what treasure you may find!
  11. Exchange items with friends or family - lets you have more for less!
  12. Update your hair and make-up and keep your look fresh that way
  13. Buy at a consignment store
  14. Take items you no longer wear to the consignment store
  15. Only buy items that fit now and that you really love
  16. Learn to accessorize - that white shirt will look very different with a chunky & coloured necklace rather than with a simple chain
  17. If you like name brands, buy one or two key pieces each season and then save on what you buy to wear with them
  18. Don’t buy key items that are too trendy - you’ll be able to wear them longer if you keep your basics more traditional
  19. Learn to coordinate your wardrobe so that you have more choices to mix & match
  20. Clean and pressed worn with confidence goes a long way, even if it isn’t the newest item that season!
  21. If you’re in the mood for something new but can’t afford to go shopping, check in the back of your closet or drawers - there may be something there you forgot you had
  22. Shopping with cash helps you stay within your budget
  23. If you use your credit card to buy something on sale, pay your card off that month (otherwise the cost of the interest can outweigh your savings!)
  24. If you have teens, set a limit as to what you can afford to spend on their clothes - they may need to top up with their own funds to get what they want (and they’ll appreciate it that much more!)

Holiday spending

I don't know how many times I have been financially drained by last minute Christmas shopping, but too many times- in fact it has been a re-occurring nightmare.  I will make it a goal never to allow this to happen again.  First of all, when all my winter expenses have been paid for, such as winter heating, etc.. I will make a mental list of what everyone wants.  There is a myth out there that people will find the best deals during boxing day- not true! There are sales all year round, even when the economy is good.  I will try this method and report on how well this works out.  

Sunday, June 28, 2015

Shoe polish alternative

If you need to shine up your boots or shoes in a hurry, try using cooking oil instead.  Any kind of cooking oil works, but it won't complete remove scuff marks. At least this is a preferable alternative to spit shining your shoes. 

Sunday, November 17, 2013

Well, It looks like I've ran out of ideas.  Just remember, always keep an eye on your wallet , and watch where every penny goes.  Adios Amigos!

Sunday, November 10, 2013

Some more tips and tricks.

There will be a few more posts before I put all this together and make a book.  Here are some more ideas to get you to save money. 

1.  Always grocery shop on a full stomach. You will definitely spend more money if you haven't eaten any food for the entire day. 

2. When you shop for food, make sure to bring a list. If you start buying food on impulse that is not
on the list, it is very likely you will go beyond your budget. 

3.  If you cover your windows with plastic to keep out the cold in the winter, try to use a clear plastic. This way, you are not blocking out the sunlight which is needed to provide warmth during
the day.

4.  If you already have a text messaging plan on your mobile phone, and you mainly use that to
communicate, then you are already doing well to save money. 

5. Re-examine your house/auto insurance policy every year.  There may be a new competitor with
cheaper rates out there.  

6. If you invest in mutual funds, make sure the have a low management expense ratio (MER). 
At least .50%.   The smaller the fees, the more savings over the course of many years.

 7. Good to the last drop. "I cut open toothpaste tubes
-- there's always so much stuck inside!" one young person marveled.
(Welcome to the world of the truly frugal.  We have much to teach you.)

8.  Check your tire pressure
Under-inflated tires means you are not getting the fuel
efficiency from your vehicle that you should. Keep the proper
air pressure in your vehicle at all times to improve your gas
mileage and also to ensure your safety

9. Tea-totaller?  

If you drink tea, try using the same tea bag twice.  You will get the same amount of flavor, for half
the money spent on tea bags.


Sunday, November 3, 2013

Cheapo Checklist

1.   Save your loose change, and always check under your couches.  You can put away at least $10 a
month this way.

2.   Spend according to your income.  If you make $15 an hour, then it may take 3 or 4 hours
work to buy yourself a new pair of shoes.  If it takes you an entire 8 hour shift to buy a pair of new
shoes, then it may or may not be worth it. 

3. Resist the urge to go to restaurants and have take-out food on a regular basis.  Home cooked
meals are always cheaper. 

4.  E-mails are cheaper than regular mail, and E-bills are a quicker, more efficient way to pay
your bills on time and the service is usually free through major banks.  Also, Voice-over-IP
software, such as Skype, or Ventrilo are a cheaper alternative than a phone if you have a headset
with a built in microphone. 

5.  Shop around for deals on long distance phone plans, and http://koodomobile.com/, for cheaper
mobile phone rates. 

6.  Shop around for cheaper insurance plans,  and see which insurance policy provides the
most value for your money.  

7. Re-finance your mortgage to lower interest charges, and pay off your house or property
in less time than originally planned. 

8.  Cheaper local entertainment.  Instead of going to a pro sports game,  buy tickets for a
your local, junior sports franchise.  At least this way you have a preview of future, budding
sports stars. 

9.  Weather-proof your home. Covering and sealing your windows with sheets of see-through plastic
will keep out the cold drafts and let the sun in.  Caulking cracks and holes in your walls will also prevent drafts and heat from escaping. 

10.  If you have a scratched end table or coffee table, don't toss it in the garbage, wrap it with linen
or wallpaper.  There are more choices of wallpaper these days;  If you are not interested in wall paper, trying laying down a layer of grout on the table and arranging broken bathroom tiles on the table in fresco-like fashion. 


Well amigos,  I hope this helps!  




 

Tuesday, October 22, 2013

Kijiji, Craigslist and Facebook, etc...

If you like myself, and constantly search the internet for a deal, then try these websites.  Most
of this is local trading. In Facebook search,  type in "for sale in MYTOWN" , where MYTOWN
is the town, village, or city that you live in. 

You can go directly to these links to find deals right away. 


www.kijiji.com


www.craigslist.org


Pawngo   https://pawngo.com/

Just like a pawn shop, you can buy and sell jewelry, odds and ends, tech, etc.

Recycler  http://www.recycler.com/

 You can exchange anything from pets to home listings, though it works best for actual products. Recycler also features a very easy to use search tool, making the sorting process less strenuous.

Oodle  http://www.oodle.com

This site aggregates posts from various other sites into its hub. The site displays internal listings but also ones from eBay and Facebook Marketplace (if you opt to sign in with your Facebook account). Unlike other bartering or swap sites, Oodle also offers a section for services instead of just goods, and even houses a place for personal ads. You can also create a listing for items you're seeking. And here's the best part — Oodle has its' own mobile app.

 

U-exchange   http://www.u-exchange.com/

It's pretty much a swap site where you can offer up some of your time or a product and trade for something else you might need. It's more streamlined than Craigslist and could work for one-off instances when you need to get something specific done.

 

Adoos   http://www.adoos.com/

Adoos acts as a much more typical classified listing hub with categories devoted to real estate, vehicles, community and jobs, among others. Unlike Craigslist, Adoos lets you log into the site through your Facebook account to provide more credibility and search optimization. The general layout is much more eye-catching than Craigslist's bland design.

 

Hoobly  http://www.hoobly.com/

Hoobly is the most similar to Craigslist in it's look and feel, though it does have a feature that asks users to register with an email address to help minimize spam on the site.
 

Monday, October 21, 2013

Use the public library

Besides old books full of germs, there are also cd's, movies, audiobooks, language workshops, and a possible coffee machine at the back of the library.  (It all depends how fancy your library is). There are also free seminars, and free use of computers where you can access internet browsers and check your e-mail, the latest news, etc.   Libraries have evolved tremendously in the past decade. Now you
have an idea of where some of your taxes go.  It's also a good place to go and hide for a few hours if you want peace and tranquility.  :)

Sunday, October 20, 2013

How to turn a daily habit into a yearly investment.

This is an example of a $10/ day habit.  

$10 = 1 pack of cigarettes, or $10 worth of drinks, or $10 worth of lotto tickets.


Sincere apologies go out to the many Russian, European, Japanese, Chinese, and other  fans of
El Cheapo. I have been using  dollar currency in my previous examples including this one..


Here is the currency converter for today's date.

$ 1.00 U.S. =  .62 British Pounds Stirling
                   =  .72 Euro.
                   =  5.91 Norwegian Krone
                   =  31.91 Russian Ruble
                   =  6.10 Chinese Yuan
                   =  97.89 Japanese Yen
                   =   7.75  Hong Kong Dollar

Unfortunately, due to the limited amount of time for blogging, I cannot convert the currency of every country
in the world.  So, this is the daily/ weekly/ yearly  money habit example according to currency converter:


$ 10.00 U.S  = 6.19      British Pounds Stirling * 7 days/week = 43.33 * 52 weeks/year = 2253.16
                   =   7.31      Euro * 7 days/week =  51.17 * 52 weeks/year = 2660.84
                   =   59.06    Norwegian Krone * 7 days/week = 413.32 * 52 weeks/year = 21492.64
                   =   318.65  Russian Ruble  * 7 days/week = 2230.55 * 52 weeks/year = 115988.60
                   =   60.97    Chinese Yuan  * 7 days/week = 426.79 * 52 weeks/year =  22193.08
                   =   978.90  Japanese Yen   * 7 days/week = 6852.30 * 52 weeks/year = 356319.60
                   =   77.53    Hong Kong Dollar  * 7 days/week = 542.71 * 52 weeks/year = 28220.92
  
Quite elementary indeed!  

If you are frugal enough to save this much money for one year instead of spending it, there are
alternatives to stuffing the money in a regular bank account.  

Many banks offer a High Yield interest rate with a new savings account.   But 1 - 1.5% is really
nothing, especially if there is no compound interest. High yield, my foot!  A financial institution of your choice may offer higher yield equities, such as bonds, strip bonds, or guaranteed fixed interest investment funds. Strip bonds take a bit of understanding, but offer a high yield return at maturity. For a better explanation of strip bonds, go to: http://www.stripbonds.info/ 

Some financial institutions offer a free consultation with a financial adviser. El Cheapo is too cheap for high risk investments, so go with something safe my friend. 


the Coffee Habit.

Hello again, I'm back with more savings tips and tricks, and ideas!!!   

This blog in particular is about coffee lovers.

I can't believe all the different varieties of warm beverages Starbucks has compared to 7 years ago!!! Back in the day I would see, maybe, three or four different coffee types.  But now, look at this!!!


Now I ask myself, what is a Java Chip?   And a grande is  $5.40.   If you drink a grande every day of
the week for 52 weeks/ year, you are spending  $1965.60 a year!! Don't forget, the price of coffee goes up
every year.  I bought a jar of  Maxwell house instant coffee for $3.00.  -yes, I admit, it's nothing like takeout ,but the jar lasts me a month, and I spend about $20 a month on cream and sugar.  -So, $23 a month * 12 months = $276 a year.  Lets say I indulge a little bit more, and spend $400 a year on coffee, cream and sugar.  That's still $1565 in savings.

What if you are a Canadian and you like Tim Horton's instead??






Yes, that's about right....

 On average Canadian coffee drinkers' drink 2.8 cups of coffee per day (Coffee Association of Canada).


A large coffee is $1.90.. *  2.8 =  $5.32   Almost 3 coffees = the price of a Starbucks Grande...
Canadians will spend about the same amount of money on takeout every year.  ($1936.48)

Here is a competitive chart explaining how Timmy's provides more drink for your money. .






More drink? -YES,    More savings? NO.  

Now, don't get me started with cigarettes.

















Sunday, July 28, 2013

Hydrogen Peroxide Uses

 Something I found on Facebook..

HYDROGEN PEROXIDE MAGIC!

Ever since I started using Hydrogen Peroxide to get rid of armpit stains, to clean cookie sheets, as a miracle cleaner in my kitchen and bathroom, and to make my own “oxi clean”…I ALWAYS have at least one bottle of the stuff under my kitchen sink, under my bathroom sink, AND in the laundry room. This stuff is amazingly versatile!

But it wasn’t until recently, after doing some IN DEPTH research on the subject, that I came to realize what a “miracle substance” hydrogen peroxide really is! It’s safe, it’s readily available, it’s cheap, and best of all, it WORKS! It works for a LOT of stuff!

Hydrogen peroxide should really be called oxygen water, since it is basically the same chemical make up as water but with an extra oxygen atom (H2O2). Because of this it breaks down quickly and harmlessly into oxygen and water.

Some other interesting facts about hydrogen peroxide:

It is found in all living material.
Your white blood cells naturally produce hydrogen peroxide (H2O2) to fight bacteria and infections.
Fruit and vegetables naturally produce hydrogen peroxide. This is one of the reasons why it is so healthy to eat fresh fruit and vegetables.
It is found in massive dosages in the mother’s first milk, called colostrum, and is transferred to the baby to boost their immune system.
It is found in rain water because some of the H20 in the atmosphere receives an additional oxygen atom from the ozone (O3) and this H2O2 makes plants grow faster.
Next to Apple Cider Vinegar, hydrogen peroxide ranks up there as one of the best household remedies.

Besides the obvious (cleansing wounds), did you know that it is probably the best remedy to dissolve ear wax? Brighten dingy floors? Add natural highlights to your hair? Improve your plants root systems? The list goes on and on!

There are SO many uses for this stuff that I’ve started replacing the cap on the hydrogen peroxide bottle with a sprayer because it’s easier and faster to use that way.

I have compiled a rather impressive list of uses for 3% hydrogen peroxide that I hope will have you as thrilled and bewildered as I was!

Wash vegetables and fruits with hydrogen peroxide to remove dirt and pesticides. Add 1/4 cup of H2O2 to a sink of cold water. After washing, rinse thoroughly with cool water.

In the dishwasher, add 2 oz. to your regular detergent for a sanitizing boost. Also, beef up your regular dish soap by adding roughly 2 ounces of 3% H2O2 to the bottle.

Use hydrogen peroxide as a mouthwash to freshen breath. It kills the bacteria that causes halitosis. Use a 50/50 mixture of hydrogen peroxide and water.

Use baking soda and hydrogen peroxide to make a paste for brushing teeth. Helps with early stages of gingivitis as it kills bacteria. Mixed with salt and baking soda, hydrogen peroxide works as a whitening toothpaste.

Soak your toothbrush in hydrogen peroxide between uses to keep it clean and prevent the transfer of germs. This is particularly helpful when you or someone in your family has a cold or the flu.

Clean your cutting board and countertop. Let everything bubble for a few minutes, then scrub and rinse clean. (I’ve been using it for this a LOT lately!)

Wipe out your refrigerator and dishwasher. Because it’s non-toxic, it’s great for cleaning places that store food and dishes.

Clean your sponges. Soak them for 10 minutes in a 50/50 mixture of hydrogen peroxide and warm water in a shallow dish. Rinse the sponges thoroughly afterward.

Remove baked-on crud from pots and pans. Combine hydrogen peroxide with enough baking soda to make a paste, then rub onto the dirty pan and let it sit for a while. Come back later with a scrubby sponge and some warm water, and the baked-on stains will lift right off.

Whiten bathtub grout. First dry the tub thoroughly, then spray it liberally with hydrogen peroxide. Let it sit — it may bubble slightly — for a little while, then come back and scrub the grout with an old toothbrush. You may have to repeat the process a few times.

Clean the toilet bowl. Pour half a cup of hydrogen peroxide into the toilet bowl, let stand for 20 minutes, then scrub clean.

Remove stains from clothing, curtains, and tablecloths. Hydrogen peroxide can be used as a pre-treater for stains — just soak the stain for a little while in 3% hydrogen peroxide before tossing into the laundry. You can also add a cup of peroxide to a regular load of whites to boost brightness. It’s a green alternative to bleach, and works just as well.

Brighten dingy floors. Combine half a cup of hydrogen peroxide with one gallon of hot water, then go to town on your flooring. Because it’s so mild, it’s safe for any floor type, and there’s no need to rinse.

Clean kids’ toys and play areas. Hydrogen peroxide is a safe cleaner to use around kids, or anyone with respiratory problems, because it’s not a lung irritant. Spray toys, toy boxes, doorknobs, and anything else your kids touch on a regular basis.

Help out your plants. To ward off fungus, add a little hydrogen peroxide to your spray bottle the next time you’re spritzing plants.

Add natural highlights to your hair. Dilute the hydrogen peroxide so the solution is 50% peroxide and 50% water. Spray the solution on wet hair to create subtle, natural highlights.

According to alternative therapy practitioners, adding half a bottle of hydrogen peroxide to a warm bath can help detoxify the body. Some are skeptical of this claim, but a bath is always a nice way to relax and the addition of hydrogen peroxide will leave you – and the tub – squeaky clean!

Spray a solution of 1/2 cup water and 1 tablespoon of hydrogen peroxide on leftover salad, drain, cover and refrigerate. This will prevent wilting and better preserve your salad.

Sanitize your kids’ lunch boxes/bags.

Dab hydrogen peroxide on pimples or acne to help clear skin.

Hydrogen peroxide helps to sprout seeds for new plantings. Use a 3% hydrogen peroxide solution once a day and spritz the seed every time you re-moisten. You can also use a mixture of 1 part hydrogen peroxide to 32 parts water to improve your plants’ root system.

Remove yellowing from lace curtains or tablecloths. Fill a sink with cold water and a 2 cups of 3% hydrogen peroxide. Soak for at least an hour, rinse in cold water and air dry.

Use it to remove ear wax. Use a solution of 3% with olive or almond oil. Add a couple drops of oil first then H2O2. After a few minutes, tilt head to remove solution and wax.

Helps with foot fungus. Spray a 50/50 mixture of hydrogen peroxide and water on them (especially the toes) every night and let dry. Or try soaking your feet in a peroxide solution to help soften calluses and corns, and disinfect minor cuts.

Spray down the shower with hydrogen peroxide to kill bacteria and viruses.

Use 1 pint of 3% hydrogen peroxide to a gallon of water to clean humidifiers and steamers.

Wash shower curtains with hydrogen peroxide to remove mildew and soap scum. Place curtains in machine with a bath towel and your regular detergent. Add 1 cup full strength 3% hydrogen peroxide to the rinse cycle.

Use for towels that have become musty smelling. 1/2 cup Peroxide and 1/2 cup vinegar let stand for 15 minutes wash as normal. Gets rid of the smell.

Use hydrogen peroxide to control fungi present in aquariums. Don’t worry, it won’t hurt your fish. Use sparingly for this purpose.

De-skunking solution. Combine 1 quart 3% H2O2, 1/4 cup baking soda, 1 teaspoon Dawn dish detergent, 2 quarts warm wate

Thursday, July 25, 2013

Dating Ideas

1.  Test drive cars--it's always more fun if they are sports cars.

2.  Go for an all-day hike. Maybe you will get lost in the woods together. 

3.  Go to a local museum. -If it's free.

4.  Go to a club and Dance the night away- you don't need alcohol to do that- o.k. maybe a couple of drinks. 

5.  Brew your own beverages, learn how to be a bartender. Make simple drinks. Find a cheap blender, ice, and whatever else you can find.  It's cheaper than going to a bar. 

6.  El Cheapo's favorite. All you need is a little bit of money for this. Take your date to all the yard sales and do a little bit of treasure hunting.

7.  With the board games you bought at the yard sale, you now have indoor activities!

8.  Take a walk on the beach on a nice day and collect interesting rocks or shells. 


9.  Go bowling.  If you are a competitive bowler, then your date won't go well.  But if you bowl just for fun,   then look for times and places that are cheaper to go to.

10.  Go to the movies but bring your own food.  You can sneak it in with purses, hand bags, or big pockets.


If you can impress your date by being frugal, then you are the right person for them!   




Sunday, July 21, 2013

More things to come

It's been a while since the last post, and I have been scouring the internet like a lunatic and finally found a good website template. I'm not sure if I should stick to this so-so lovely web site, which looks fancy, but is very simple..or, should I go with a less colorful, but more professional web site?  

Right. So, I need a new domain name, and I am getting one soon.  Why you ask?  Because the web is a big ocean, and there are a lot more fish out there.

I'm sorry for going off track, but this might be better for all of us.  And there are more things to come!


Adios,


El Cheapo