Frugal Tips Archive

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Your Local Library is Your Source for Free and Low Cost Excursions for Family Fun

 

Can you believe it’s almost June already? Pretty soon we’ll be scrambling to find ways to entertain the kids through the summer that don’t cost a pretty penny. Wouldn’t it be great to find a way to go on family outings and not worry about money?

Believe it or not, your local libraries are the key to low cost and no cost family fun. You can borrow passes to museums like Mystic Seaport, Kid City, the Imagination Museum, and the Discover Museum and Planetarium, as well as many more. These passes are there for you and your family to borrow at no cost. Although you can’t reserve the passes ahead of time, the library will hold them for up to two hours on the day you request them. You also have two days to use the passes.

Say, for example, you want to visit Mystic Seaport with your family. Tickets cost $24 per adult and $15 per child between the ages of 6 and 17. If you visit the museum with two adults and two children, the cost to you would be $78. If you instead borrowed the library pass for Mystic Seaport, which admits up to two adults and three children, the cost would be $0!!!! That’s an amazing savings!

Libraries also have passes that guarantee you a reduced admission price. You can visit the Peabody Museum, Mystic Aquarium, or the Roger Williams Zoo for a reduced price. Library passes will get you $5 off admission at the Peabody Museum, $6 off adult admission and $4 off child admission at Mystic Aquarium, and a $3 discount for all tickets at the Roger Williams Zoo.

Although many Connecticut libraries offer these great passes to their communities, not all libraries do. However, you do not have to be a resident of a particular town to partake in this service. If you have a valid driver’s license, you can reserve the museum passes at any library in the state that offers them.

Museum passes are just one of the many freebies and opportunities your local library offers. To find out more, please visit your library’s website or drop in for a visit. I’m sure you’ll be glad you did!

 

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Save Money: You DON’T Need to Change Your Car’s Oil Every 3,000

According to CTWatchdog.com, oil chemistry and engine technology has come a long way.  Today, the average car’s oil change interval is around 7,800.  However, the oil industry is still recommending you change your oil every 3,000.   Save yourself some money and save the environment at the same time: look up the oil change interval for your car.  I’ll bet you will be surprised.

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Be Frugal AND Earth Friendly: 22 Things You Can Do for Earth Day and Beyond

It’s time once again for that annual celebration of all things green. Earth Day is nearly upon us and, while many people offer advice on being kind to Mother Earth, too many of these tips don’t quite coincide with frugal lifestyles. In an effort to dovetail these two purposes, we offer 22 budget-friendly ways to go green in honor of April 22.

1. Sign up for the “no solicitation” registry.
That way, you can avoid getting credit card offers and other ads which will reduce paper clutter and save trees.

2. Shop online to reduce your carbon footprint and save money.
According to a study by Carnegie Melon’s Green Institute, shopping online reduced carbon emissions by 35 percent. The abundance of online coupons from such sites as FreeShipping.org makes this green practice a no-brainer.

3. Get out of the gym and exercise outdoors.
Freeze your gym membership and save up to 75 percent (or more) per month during the summer. You’ll also rely less on those energy-sucking cardio machines.

 

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A Post on Frugal Gardening and Freebies from Yesterday You May Have Missed

In order to keep my email feed working properly, I have to limit the amount of posts to 20. This sometimes causes a problem because I write more than 20 posts in a 24 hour period. When that happens, I like to let you know what you may have missed because the information didn’t appear in yesterday’s daily email.

 

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Frugal Gardening: How to Tame Weeds

In the picture above,  you can see my garden from last year.  I have raised beds, so I put the mulch around the outside of the beds and the grass clippings inside the beds.  This is a pretty good picture of both ways I use the newspaper underneath.

 

I love to garden, but I HATE to weed.  Weeding seems like an endless chore and makes gardening, a task I love to do, much less fun.  There are several strategies people can use to keep weeds at bay, but they are usually expensive or add unnecessary chemicals to the ground. I find that using newspaper and grass clippings, things I would normally discard as unwanted, are great at weed control.

As a couponer, I have no shortage of newspaper.  Thankfully, I can turn my discarded newspapers into a great weed control devise.  Newspaper is biodegradable and can be put down as a weed barrier in your garden.  Instead of using that expensive black plastic stuff which is bad for the environment, I block weeds with the Hartford Courant and the Journal Inquirer.  I take 3-5 sheets of newspaper and wet it thoroughly with water. It shouldn’t be completely sodden but moist enough not to fly away in the breeze.  I then lay the sheets between and around my plants.  In my flower beds, I cover the newspaper with a thin layer of mulch – just enough to hide the newspaper.  The newspaper will eventually decompose, so you don’t have to worry about pulling it up.  In my vegetable garden, I cover the wet newspaper with grass clippings.  Not only are grass clippings great for the soil, I have a place to use them so I don’t have to bag the waste.  I continue to cover my vegetable garden with grass clippings throughout the season.  The grass clipping compost nicely, and the newspaper and clippings can be tilled into the soil in the late fall or early spring without worries.  I’d like to see you do that with that black plastic stuff!

 

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How to Effectively Use Your Freezer to Save Money

 

When I teach couponing classes, I talk about how important it is to build up a stockpile of items you use regularly so you never need to pay full price for those items.  Foods like tuna, pasta, and beans will keep for a very long time without spoiling.  But what about foods you use regularly that do spoil such as meats, butter, cold cuts, and cheese? That’s where having a freezer is really important to building a “fresh foods” stockpile.

Using a freezer effectively also means wrapping the food effectively.   One of the best accoutrements to a freezer is a Food Saver machine.  These suck all the air out of whatever items you are freezing so they last longer.  If you can’t afford one of these right now, you can always double wrap your food in zip top bags. (And you can reuse zip top bags as long as they don’t come in direct contact with food or you wash them out.)  Just remember to squeeze as much air as possible out of the bags before placing food into the freezer.  The more air frozen with your food, the more quickly items will get “freezer burnt” and go bad.  I personally use a combination of both methods when I freeze food; it just depends on what I freeze.

Butter, for example, can just be frozen in zip top bags.  It’s pretty well wrapped in its packaging to begin with and will last for months as is.  By “double wrapping” it in a zip top bag, you ensure it will keep for MANY months in the freezer.

Deli meats and cheeses are another thing you can keep for a long time in the freezer when wrapped in zip top bags.  When cold cuts and cheese go on sale, I buy them in bulk at the grocery store.  I have the deli counter person wrap the meats into 1/2 pound packages and store several packages in zip top bags labeled by meat and cheese type.  When we run out of deli meat or cheese, I just grab one of the frozen packages from a zip top bag and let it thaw in the refrigerator.  By using this method, I save money on deli meats by buying them when on sale.  I’m also not at the mercy of what happens to be on sale in a given week or, *gasp*, have to pay full price for what I want.  In addition, freezing deli meats and cheeses alleviates the need to run to the grocery store every week for these items, also saving time and gas.

When freezing meat, I prefer to use my Food Saver machine.  I like it because I can make the correct size bag for whatever I am freezing.  Plus, it does get almost all of the air out of the food, which is much better than using the zip top bags.

As with most things, meat is cheaper when you buy it in bulk.  Many grocery stores and butcher shops will sell meats at lower costs per pound when you buy it in larger packages.  It only makes sense to buy the larger packages and freeze them in smaller, meal-sized packages to save money.  For example, I recently purchased 40 pounds of natural, antibiotic free boneless breast of chicken at $1.49 lb.  Since regular sale price on most chicken is $1.99 lb, this was a deal I couldn’t pass up. (It’s still available!)

Although using your freezer is a great way to save money, there can also be few  pitfalls if you aren’t careful.  First, you really should make a list of what is in the freezer and keep it taped to the door.  When something is removed to be used, cross it off the list.  This may seem a bit silly, but how many times have you found something in the back of your freezer you had no idea was there, the item in question now unidentifiable?  This is especially true with chest freezers!  You won’t save money with a freezer if you freeze food, forget about it, and then have to throw it out because it didn’t get used in time.

Second, just because you have a huge freezer doesn’t mean you have to fill it to bursting. Just like with any stockpile, moderation is the key. The people on the Extreme Couponing show would have us believe that more is better. (I really hate that show, but that’s for another article!) However, always be mindful of how much you are actually going to use. Again, throwing out food is not cost effective.

Third, it is a good idea to label your food with what it is and the date it was frozen. Food is not always identifiable after it is frozen so labeling saves you from taking out chicken for dinner and then having pork to cook. (Er . . . yeah, I learned that one from experience.) Putting the date on packages also ensures you use the oldest items first. Just like a non perishable stockpile, you always want to rotate your stock.

Although not everyone has the space or funds to have a stand alone freezer, the tips above can be used with your regular freezer as well. Just remember to think beyond your weekly grocery needs when you do your shopping and plan your meals around what is on sale and what you have in your stockpile.

Have a freezer tip? Email me at ginaskokopelli@yahoo.com or leave me a comment!


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Freebies for the Family

This article was originally published last October.  However, with summer just around the corner, I thought it would be a good time to re-post it.

Can you believe it’s October already? Pretty soon we’ll be buying turkeys and thinking about our shopping lists for the holidays. This time of year, it’s difficult to find extra money to do fun family things when you know you’ll have to save for holiday foods and presents. Wouldn’t it be great to find a way to go on family outings and not worry about money?

Believe it or not, your local libraries (Meriden, Southington, and Wallingford) are the key to no cost family fun. You can borrow passes to museums like Mystic Seaport, Kid City, the Imagination Museum, and the Discover Museum and Planetarium, as well as many more. These passes are there for you and your family to borrow at no cost. Although you can’t reserve the passes ahead of time, the library will hold them for up to two hours on the day you request them. You also have two days to use the passes.

Say, for example, you want to visit Mystic Seaport with your family. Tickets cost $24 per adult and $15 per child between the ages of 6 and 17. If you visit the museum with two adults and two children, the cost to you would be $78. If you instead borrowed the library pass for Mystic Seaport, which admits up to two adults and three children, the cost would be $0!!!! That’s an amazing savings!

Libraries also have passes that guarantee you a reduced admission price. You can visit the Peabody Museum, Mystic Aquarium, or the Roger Williams Zoo for a reduced price. Library passes will get you $5 off admission at the Peabody Museum, $6 off adult admission and $4 off child admission at Mystic Aquarium, and a $3 discount for all tickets at the Roger Williams Zoo.

Although Southington, Meriden, and Wallingford libraries offer these great passes to their communities, not all libraries do. However, you do not have to be a resident of these towns to partake in this service. If you have a valid driver’s license, you can reserve the museum passes at any library in the state that offers them.

 

Museum passes are just one of the many freebies and opportunities your local library offers. To find out more, please visit your library’s website or drop in for a visit. I’m sure you’ll be glad you did!

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Even Without Coupons, You Can Still Save Money At the Grocery Store

money Pictures, Images and Photos

Using coupons has become more and more popular lately because of our crummy economy. Although I personally feel coupons are an excellent resource for stretching my money, many people don’t really want to bother with coupons for one reason or another. In light of this, I have nine easy tips that will help save you money at the grocery store, even without using coupons

 

  1. Only buy what is on sale. Just sticking to this one simple rule will save you hundreds on your groceries every year.

  2. Plan meals around what is on sale and what you have in your freezer or pantry, not what you want to eat. Although this concept seems like a “no brainer”, many people create their shopping lists around what they would like to eat for the week and then go shopping. Often, this practice leads to spending more money because what is being bought isn’t on sale.
  3. Take time to plan your meals each week. Meal planning is an excellent way to reduce your grocery costs. Take the time to assess what you have in stock at home and then plan meals in advance. Even if you plan out just half of your weekly meals, you’ll save time and money because you won’t be running to the grocery store for last minute items, which often swells your monthly food budget.
  4. Buy extra when you shop. If you are a family who eats pasta once a week, for example, buy more than one box of pasta when it’s on sale. This way, you won’t have pay full price the next time. Recently, Swiss cheese was on sale at my grocery store for only $2.99/lb. Because my family eats lots of Swiss cheese, I bought three pounds, which was the maximum amount I could buy. To make it easy on myself, I had the deli person package the cheese into half pound units. I then froze all but one of the packages. For the next few weeks, I won’t have to pay full price for the cheese because I have 5 more packages in my freezer.
  5. Make extra when you cook. If you have to cook anyway, there’s very little additional effort needed to double the amount you cook. Making extra food can be a frugal endeavor in two ways. First, you can take the leftovers for lunch and cut down on the more expensive lunch items such as deli meat. Second, you can make enough extra to freeze for another meal at a later date. Then, on the days you don’t feel like cooking or are short on time, you have a complete meal that only needs to be defrosted. 
  6. Shop like a man, not like a woman. For the most part, women like to browse and look at everything when they go grocery shopping, whereas men get what they need and get the heck out of Dodge. Grocery stores, just like any retail store, want you to buy as much as possible. There are pretty displays and end caps enticing you with products you really don’t need. How many times have you walked into a grocery store for bread and milk, and brought home three or four bags of groceries? It’s best to put your blinders on and get only what is on your shopping list.

  7. Make a shopping list and stick to it! Going to the grocery store without a list is like fighting a war without a battle plan. Without a shopping list, you are susceptible to overbuying. Having a list keeps you on track and focused.

  8. Buy bread at bakery outlet stores. Bread is a relatively expensive item at the grocery store. Some of the heartier whole grain varieties can be more than $4 per loaf. Take trip to your local bread outlet store such as Freihoffer’s or Wonder to purchase bakery products for as little as $1 per item.

  9. Buy staple items such as flour, sugar, butter, milk, and eggs at a warehouse store. For the most part, staple items tend to be much less expensive at warehouse stores such as Costco and BJ’s. Because the warehouse stores buy in such huge quantities, they get products for less and pass that savings on to the consumer.

 

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How to Save for College or Get Amazon.com Gift Cards/Cash When You Do Your Regularly Weekly Shopping

dollar sign Pictures, Images and Photos

I have a philosophy about shopping and most everything else that goes something like this:

“If I am going to do something anyway, I might as well get something extra out of it.”

Let’s face it.  I go to the grocery store and drug stores at least once every week. Sometimes, I go multiple times if there’s  good sale.  Wouldn’t it be nice if I could save for college or get cash/gift cards just for doing my normal, everyday shopping?  Guess what?  There is!

There are two ways you can accrue money while doing your everyday shopping.  First is a program called Upromise.  With UPromise, you register your store courtesy cards (I registered every one I have) and then select the coupons you want. I always select all the coupons because I just don’t know if I will use them. It doesn’t hurt and takes very little time. (After you click on the coupons, make sure you hit “activate my coupons” on the right side of the page.) The coupons automatically get downloaded onto all your store cards and are activated when you shop. When you shop, you earn money for college. For example, say you buy Bounty paper towels. If there is a .50 coupon for Bounty towels at Upromise, download the coupon and then buy paper towels. Fifty cents goes into an account for college. You can still use regular coupons as well, so it’s not like you’re missing out on getting good deals. I don’t have any kids in college right now, but I signed myself up. I don’t have any real plans to go back to school, but I’m thinking my niece or nephews might be able to use this money in a few years. If you don’t want to give the money to someone for college, you also have the option of transferring the money over to a savings account or requesting a check.

The second way you can save is through a new website called SavingStar.com.  Like UPromise, you can register all your grocery and drug store courtesy cards and download coupons onto them.  The only difference is you can opt to purchase Amazon gift cards with your money in addition to having the money saved to your bank account.  This is a fabulous way to pay for some of your holiday shopping.  Just buy groceries and request Amazon gift cards from SavingsStar.

Because neither UPromise or SavingsStar prohibits you from using paper coupons at check out, this is a win-win situation for you and me.  Not only are we limiting the money we pay for food and toiletries with paper coupons, we’re  saving money for college or earning gift cards.  How cool is that?

 

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Saving Bread on Bread

I have to be honest and say I shudder at how expensive bread can be. I can’t believe that “good bread” – the kind with whole grains, seeds, etc. – can run as much as $4 at the grocery store.  Even on sale, bread, in my opinion, is still expensive. I suppose I could buy the really cheap bread at Walmart, but I don’t really care for it.  I’m spoiled and fussy and I want good bread. I also know I could cut costs by making my own bread, but that’s not always convenient; and I find that home made bread sometimes isn’t what I want for my sandwiches.  The answer?  Outlet stores.

Just to dispel any fears, the bread and other merchandise in outlet stores is perfectly good.  There’s nothing wrong with the products even if the date on the package is one or two days expired.  Bread, unlike meat, will last quite a bit past it’s due date.  The outlet stores have to adhere to the same health and food prep standards as the regular grocery stores, so they cannot and will not sell you bad bread.

Recently, I took a trip to my favorite Freihofer’s outlet.  I was able to get a bag of Fritos (Hubby’s fav), 2 loaves of white bread, 2 packages of bagels, 1 loaf of Cinnamon Raisin, 2 loaves of rye, and 2 loaves of whole grain for $12.13. Basically, that comes to about $1.21 per item. All I do is freeze the bread, and I have it for a month before I need to go back.  That’s not bad for a family of five.

Not everyone has an outlet store near them.  Mine, in fact, is about 35 minutes from my house.  I don’t take a special trip there, as that would defeat the frugality of buying bread at the outlet.  Instead, I plan my trips to the outlet around my trips to my Coleen’s house, whose house is just 5 minutes from Freihofers. I see her about once a month, and I make sure I stock up when I am heading that way.

If you haven’t tried a bread outlet store yet, give it a whirl.  Just buy one or two loaves to “test drive” the idea.  I’m sure you’ll find it’s really a great bargain!

Find a Bread Outlet Near You Here and Here.
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