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Viewing entries forView all blogs (popular) | Personal finance (popular) | Real estate (popular) | Investing (popular) | Visit Items 1 - 25 of 83
    Thursday, June 26, 2020 From Savvy Frugality - view blog entries - visit this blog
June 26, 2020 at 3:37 pm ET There are two things you can say about Oklahoma, and they are almost always true during the summer months: it is windy...and hot. In fact, we typically pay just as much for air conditioning in the summer as we do on heat in the winter. Recently, I noticed a big jump in the electric utility bill, and it was more than the usual jump we see when the mercury hits 90 degrees on a "cool" day."When was the last time the central air unit was serviced?" I asked my wife. She didn't know. After all, ... (more) Wednesday, June 18, 2020 Grow Your Own Recession Victory Garden (8 clicks)
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June 18, 2020 at 1:18 am ET As fuel prices increase, the cost of other goods are going up too, especially food. My family's own grocery budget has doubled over the past 5 years to keep pace with increasing costs, and that is after using coupons, buying canned goods at discount and dollar stores, and taking advantage of programs like Angel Food Ministries. Now, my family has joined others in our area by saving on food costs by growing some of our own produce. I prefer to think of it as "urban gardening" or my own "recession Victory garden".During the days of World War ... (more) Saturday, June 7, 2020 When a Downgrade is Really an Upgrade (15 clicks)
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June 7, 2020 at 12:34 pm ET Sometimes we pay a high price in the name of convenience, and we don't even realize it. For example, I had an electric lawn mower until very recently. I thought it was great. It mulched the grass clippings. It didn't use gasoline, which saved me some money on fuel and oil changes and I could use it during Oklahoma's "ozone alert days" (smog alerts), when we are not supposed to run gas-powered mowers, weed wackers or leaf blowers. It was convenient, and it was great.After four years of use, my electric mower bit the dust. ... (more) Tuesday, June 3, 2020 From Savvy Frugality - view blog entries - visit this blog
June 3, 2020 at 12:51 am ET At least one business sector is booming during this current economic downturn: pawn shops. According to a report on The Today Show, more and more people are turning to pawn shops as a source of quick cash to make it from payday to payday. Unfortunately, pawn shops always have the upper hand during pawn transactions. They know that the people seeking a loan or looking to sell their goods are desperate for cash. At best, you'll get about 25 cents on the dollar for items you are trying to pawn. If you're simply looking for a ... (more) Wednesday, May 28, 2020 Little Things Mean a Lot (7 clicks)
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May 28, 2020 at 11:49 pm ET This scenario may seem familiar to you. Your child or spouse says they need a few dollars for a trip to the corner fast-food place, Starbucks, a quick trip to the convenience store, etc. "It's only $10," they say. However, when it comes to finance, little things can mean a lot. Everyone knows they should have an emergency fund. Perhaps you are saving for a large-ticket item like an appliance, or you are saving for a down payment for a new home. Ten dollars certainly doesn't seem like it will get you anywhere. But, ... (more) Monday, May 26, 2020 Best Buy of the Week: Entertainment Book (8 clicks)
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May 26, 2020 at 7:27 pm ET Like of lot of folks practicing Savvy Frugality, I keep eating out at restaurants and going out to a minimum, but my family does still enjoy a good meal out once in awhile. I have a wife and two sons, and while we keep a lot of our entertaining close to home, there are occasions when we want to have a night out on the town. My son's recent high school graduation was one of those occasions. But how do you go out and stay frugal at the same time?I recently took advantage of a current sale ... (more) Sunday, May 18, 2020 This Week's Recommended Reading List (18 clicks)
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May 18, 2020 at 7:59 pm ET Every once in awhile, I come across some great reading online, and feel compelled to share here on Savvy Frugality. I recommend articles and web sites that I think would be beneficial to Savvy Frugality's readers (thanks for reading this site, by the way!).This week's list:Trent at The Simple Dollar interviews Amy Dacyczyn, the author of The Tightwad Gazette. Amy's books are what got me living a life of Savvy Frugality, and they have definitely changed my life for the better. Good job, Trent!If you are looking for recommendations for software or better ways of doing things ... (more) Wednesday, May 14, 2020 How Five Minutes at the Bank Saved Me $250 (36 clicks)
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May 14, 2020 at 9:49 pm ET I have to admit, I was pretty shocked when I logged in online to check my checking account statement. It said my account was overdrawn, and I had four overdraft charges totaling nearly $110. Huh? I had just transferred $500 from savings to checking the day before. This had to be a mistake. Besides, I told myself, I have overdraft protection on my checking account.So, I drove to the bank (I prefer to handle matters like this face-to-face, not on the phone) and approached the teller. I explained the situation. It turns out ... (more) Saturday, May 10, 2020 Down and Out on Craig's List (17 clicks)
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May 10, 2020 at 7:29 pm ET With gas and food prices on the rise, some people who are struggling to cope have turned to selling their worldly possessions on Craig's List and eBay...including some items of sentimental value. According to this article on MSN Money, some of the ads on the free bulletin board and online auctions site have taken on a decidedly desperate tone. One woman put her engagement ring up for sale. Another sold her grandmother's valued tea kettle on eBay for $6 because her husband was injured on the job and they needed the money.Of course, I don't know any of ... (more) Thursday, May 8, 2020 From Savvy Frugality - view blog entries - visit this blog
May 8, 2020 at 10:34 pm ET Savvy Frugality is a big proponent of service to the community. My personal mantra is to give "time or money" back to the community. I have volunteered for the Juvenile Diabetes Research Foundation, which funds research to find a cure for diabetes. I also make regular donations to the Salvation Army, which does a great job of helping low-income people in the community. I am also a military veteran, and I happened to have served during a time which qualifies me for membership to the American Legion. So, exactly 20 years after leaving the military, I ... (more) Monday, May 5, 2020 There's A Reason It's Called "The Idiot Box" (12 clicks)
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May 5, 2020 at 11:20 pm ET "I never have enough time to do everything!"Do you find yourself saying the above sentence frequently? There never seems to be enough time to do the things you want to do. Never enough time to spend with family, pursue a hobby, work on your investments, study for a degree, read or do the homework you need to be better at your job. Or is there? Perhaps you DO have the time, but something is sucking it away from you and making your time less productive. It's something that is probably sitting in a prominent place ... (more) Saturday, May 3, 2020 The 50 Percent Solution (25 clicks)
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May 3, 2020 at 1:11 pm ET If you are like most families, the cost of household cleaning products comes out of your grocery budget. It makes sense, because most people purchase their cleaning products at the grocery store while they are doing their food shopping. However, if you aren't already making your own household cleaning products with lemon, vinegar and baking soda, cleansers are probably one of the most expensive purchases you will make at the grocery store.If you actually prefer the store-bought cleansers, there is another way of saving money on those products. Remember the mantra of Savvy Frugality (borrowed from The ... (more) Wednesday, April 23, 2020 Food Shortages Looming for U.S.? (15 clicks)
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April 23, 2020 at 7:59 pm ET The United States of America has long been known as "The Breadbasket of the World". Grains, soybeans and other food products have been exported from the U.S. to other parts of the world since the days when it was merely 13 colonies. Americans have always had plenty of food, with enough left over to send elsewhere. But now there is disturbing news...news that isn't garnering much attention by most media outlets. The U.S. has been forced to import wheat due to shortages. Retailers are limiting the amount of rice, cooking oil, flour and pasta its customers ... (more) Saturday, April 19, 2020 A Frugal Deal Comes Knocking At My Door (16 clicks)
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April 19, 2020 at 7:56 pm ET The knock at my door earlier this week interrupted my lunch hour and caused my dogs to start barking. I opened the door to see who it could be this time of the day. It was a guy holding a clip board, wearing an exterminator uniform. "Oh great," I thought. "Just what I need...a salesman."Turns out, it was exactly what I needed. Each year, fleas take over our backyard, sending my two dogs and my cat, Charlie, into scratching fits. The exterminator explained that he was hitting as many homes on my street as ... (more) Sunday, April 13, 2020 UPDATE: Vacation in Your Own Backyard (11 clicks)
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April 13, 2020 at 9:01 pm ET My wife and I have just returned from our vacation to a location in our own backyard: Tulsa, OK. As I mentioned in my previous post, we had considered other locations such as Las Vegas, Reno, St. Louis and others, but in the end decided to make our money go further by staying closer to home.It was a wise decision. We had a great time! We to old Route 66 from Oklahoma City to Tulsa, and took time to take in some of the sites along the historic roadway during our trip. We saw the ... (more) Wednesday, April 9, 2020 Vacation in Your Own Backyard (6 clicks)
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April 9, 2020 at 10:46 pm ET My wife and I enjoy traveling. We like the experience of going someplace we have never been before and discovering new things. So when we approached our wedding anniversary this year, we thought long and hard about where we wanted to go.Initially, we considered going to Las Vegas. We could stay in a hotel off the Strip, gamble at one of the casinos the "locals" go to, as opposed to the "tourist" casinos, and save a few bucks on accommodations along the way. But when we started pricing flights, we decided we didn't want to ... (more) Sunday, April 6, 2021 Guest post: Five Ways to Save Airfare (16 clicks)
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April 6, 2021 at 3:19 pm ET Today's guest post is from Heather Johnson, a contributor at Credit Card Lowdown. The cost of airfare continues to soar with the surging price of oil these days. The days of hopping on a flight to anywhere guilt-free seem to be gone. Amazingly with just a little extra effort you can still find deals out there that will take away some of the stress that accompanies flying these days. You can still find deals out there and here are some tips for the frugal flier: 1. Give up your seat. ... (more) Saturday, April 5, 2021 The Birth of Frugality (13 clicks)
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April 5, 2021 at 2:12 pm ET I learned many lessons about frugality from my grandmother, who was as frugal as they come. She would wash and reuse plastic baggies and aluminum foil, save and reuse gift wrap, reuse empty plastic butter containers as Tupperware and make several different meals from leftovers. She traced her frugal ways back to the Great Depression, when her family of farmers struggled to make ends meet.It's safe to say that frugality in the U.S. probably traces its roots back to the Great Depression. Before that, there was certainly no reason for Americans to be frugal. Credit ... (more) Thursday, April 3, 2021 Carnival Time: Festival of Frugality #119 (9 clicks)
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April 3, 2021 at 8:48 pm ET This week's Festival of Frugality is hosted by Consumerism Commentary. Savvy Frugality's post, Haggle for Lower Prices is among this week's picks. Other posts I liked this week:Silicon Valley Blogger presents Rent Instead Of Buy, And I Mean Anything! posted at The Digerati Life There are some very creative rentals listed here, and they could be cheaper than buying!Dawn from Frugal For Life offers Free Audio Resources. Since I'm a history buff and an former radio guy, I enjoy listening to Old Time Radio online. My favorite show is The Shadow. My dad still fondly ... (more) Tuesday, April 1, 2021 The Second Great Depression? (7 clicks)
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April 1, 2021 at 1:01 am ET As U.S. economists continue to debate whether the country is in a recession (I'll come right out and say it: we are), one newspaper in the United Kingdom is proclaiming the U.S. is spiraling into another Great Depression.The Independent points to the increasing number of food stamp usage as proof that the U.S. A. is in dire straits. It points out that more than 28 million Americans now depend on food stamps to feed their families, the greatest number of Americans on the program since it was introduced in the 1960s. Of course, some of the increase ... (more) Sunday, March 30, 2021 From Savvy Frugality - view blog entries - visit this blog
March 30, 2021 at 2:06 pm ET Today Savvy Frugality is featuring a guest post. This one is written courtesy of my wife (thanks!) who is also pretty frugal around the house. The Excel files she mentions for Weekly Menus and Shopping lists are included in the menu on the right hand side of the page:As a domestic goddess it is my duty to keep costs down. One of the biggest expenses you can come across are the “nickel and dime” ones. These are those little trips you make to the store because you forgot to buy something. I guarantee if you look at your ... (more) Thursday, March 27, 2021 Where to Find the Cheapest Clothes (9 clicks)
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March 27, 2021 at 8:48 pm ET The title of this post is a bit misleading. Perhaps it should be called "Where to Find the Least Expensive Clothes", but that wouldn't fit with the theme of my "Where to Find the Cheapest..." series. The word "cheap", as applied to clothing, makes it sound like something substandard, out of fashion and polyester.I have always been picky about how I look, and I used to spend the money to match my fashionable tastes. Unfortunately, it was more than my budget could bare. I was trying to look like a million dollars on a Walmart budget. ... (more) Tuesday, March 25, 2021 Festival of Frugality #118 (5 clicks)
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March 25, 2021 at 9:19 pm ET This week's Festival of Frugality is hosted by My Dollar Plan. Once again, there is a lot of great reading for the frugal-minded and those interested in living a life of Savvy Frugality. Savvy Frugality's post Where to Find the Cheapest Travel Deals is included in this week's Festival. Other posts of note:No Credit Needed presents Beware Of The Laundry Detergent Cap posted at No Credit Needed. He found the recommended amounts for detergent are not what the lines look like on the cap! Personally, I always use the half of the amount of a product as ... (more) Monday, March 24, 2021 Haggle for Lower Prices (17 clicks)
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March 24, 2021 at 11:05 pm ET How precarious has the U.S. economy become? Some retailers are so desperate to make a sale, they are willing to haggle over the price.Usually, this is something you only see at car dealerships, but retailers such as Best Buy, Circuit City, Home Depot and high-end stores are now willing to lop a few bucks off the sticker price...if you are willing to ask.I suppose the most the store could do is say "no", but I happen to know from first-hand experience that this does work. About a year ago, I worked part-time at a Home Depot store for ... (more) Saturday, March 22, 2021 Where to Find the Cheapest Groceries (17 clicks)
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March 22, 2021 at 12:27 pm ET If you do the grocery shopping for your household, it's no secret that the price of groceries has been skyrocketing. Food prices increased about five percent last year, and are expected to increase by the same amount this year. Farmers have been planting more corn than wheat to meet the increased demand for ethanol, causing wheat prices to shoot up in price. As a result, the cost of a loaf of bread has more than doubled in the past year.The last time I increased my grocery budget was two years ago. My sons are still growing ... (more) Items 1 - 25 of 83
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