Filed under: Frugality | Tags: Consumerism, frugal, LED bulbs, leftovers, the good life, yogurt making
It’s been a lucrative week in my household, showing once again that frugality, in some cases, can be a decent substitute for a paycheck. The idea that making sure that we aren’t spending more than we bring in isn’t ‘a job’, but I do liken it to ‘a calling’. The first, and best, way to answer that calling is to track expenses. For 14 years, we have tried faithfully to track every single penny that comes into, and goes out of, our household. Doing this shows us exactly when we’re spending too much in one category or another and then allows us to make adjustments when needed. Food, gasoline, energy and entertainment are all examples of expense categories that allow for some flexibility and seeing what we’ve spent over the previous thirty days (or thirty months!) helps us make those adjustments with ease, both mentally and financially. The idea of tracking expenses came to us via “Your Money or Your Life”, a book we both happened to read at the beginning of our relationship. Both the tracking, and the relationship, have stood the test of time.
Monday: We needed a brighter bulb for a table lamp, and decided to pay a bit extra to get the better lighting quality of an LED bulb (instead of the ‘old’ compact fluorescent type we were replacing), so we bought one at Lowe’s while we were picking up some other home repair items we needed. Not a good shot, but here it is:
There were a few things on our shopping list that we couldn’t find at Lowe’s, so we went down the street to Home Depot. We found another bulb there with the same watts, lumens, and amperage as the one we’d just bought from Lowe’s- for $20.00! Cree bulbs have the highest ratings available for residential LED lighting by the way. So, we returned the Lowe’s bulb. Savings: $7.00. PS Save the receipts and package from these bulbs so that if they don’t meet the promised warranty period you can get a replacement.
Just an aside: while at Lowe’s we had priced an outdoor flag holder for $9.95, and rejected it as too expensive. While at Home Depot, we found a completely acceptable one for $2.50! Savings: $7.45. Has Lowe’s gone ‘upscale’ on us? It pays to shop around, whether it’s for lightbulbs or lawnmowers.
Tuesday: After months of eating ice cream during Michael’s chemo treatments, we’re trying to find healthier substitutes, so I’ve started making yogurt once again. Summer time is perfect for this since it produces very little heat in the kitchen and the availability of fresh fruits to add to it are at their peak. I like mine creamy and thick, with ‘real’ chunks of fruit, and local honey as a sweetener. A small container of Greek yogurt is about a dollar. I use powdered milk to make mine in a $10 yogurt maker I’ve had for many years. It holds 8 ‘cups’ and depending on the fruit I use, costs me about 50 cents a cup at most and is delicious. Savings: $4.00
Just heat the milk to 190 degrees, then let cool to 120 degrees…
then add a few Tablespoons of plain yogurt as a starter, pour into cups, and let the magic happen!
Wednesday: My dentist, whom I trust completely, advised me to get the two ‘major’ repair jobs taken care of during this calendar year while I have dental insurance, then to drop the insurance at the end of the year. I take good care of my teeth, getting them cleaned by hygienist students at my local college for free, four times a year, and doing the recommended brushing and flossing daily. My new dental insurance paid for a full set of xrays and will pay 80% of the needed work, after which, I shouldn’t need any more expensive stuff done. (It doesn’t cover ‘false teeth’ should I need those in the future). So, I had the first procedure done this week and will have the next done next month, leaving me still with almost 6 months of coverage before I cancel. My annual premiums are $360, and since this is the first year in my life I’ve ever had dental insurance, maybe I’ll go the next 60 without it again! Savings: $360 a year
Thursday: Our toilets began having trouble flushing completely. After much plunging, I heard the man next door out in his yard, and, knowing he owns a lot of property around town, went outside to ask him if he could recommend a decent plumber. Turns out, he was in the side yard with his plumber-guess what? His toilets weren’t flushing either, so he had called Roto Rooter to clear his clog. Amazingly, our two houses connect in the side yard, then run out to the city’s sewer lines at the street! So, we agreed we’d split the bill. Of course, Roto Rooter couldn’t open the blockage with their ‘normal’ equipment and said they’d return with their BIG guns. Estimated cost: $350. So, I told the neighbor I’d split the cost with him. Roto Rooter guys returned, and in less than 5 or 10 minutes they’d uncovered the problem, rather smugly announcing that the problem was “feminine products”. I rather smugly pointed to my gray hair and told them then it wasn’t my fault since I’m the only female in my house and I haven’t used “feminine products” in almost ten years! I offered to pay $100 towards the final bill and neighbor man quickly agreed to that deal. Savings: $75.00! just for speaking up!
“Onion” may use feminine products…but I don’t! Color me happy 🙂
Saturday: That’s right, I didn’t do a damn thing frugal today but I did take some herbal teas and crossword puzzle books to a friend in the hospital, cut my own grass, and bought one of those rotisserie chickens on sale for $3.99 from Krogers to have for supper (with enough leftovers for 2 more meals). But tomorrow I’ll take my cat to the annual vaccination clinic at the nearby high school, where I’ll be able to get his rabies shot then for $10. Savings: $20 Simon is not any happier that he’ll get it for a third of the normal price, but I sure am! (picture above applies to Saturday too)
As always, frugality is not about being ‘cheap’ but smart. Living well on less keeps us long on time and lean on ‘stuff’, but absolutely FAT on all that matters! Please won’t you share your frugal matters too in the comments section below? I’m always inspired by what my readers are doing to stretch their incomes- hey, that means YOU!
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