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Blog Posts on My Frugal Life:

warm days
Tuesday, March 13, 2012 | By attic_treasures

The weather is starting to warm up nicely here in Michigan..I hope then end of snow is near and no more for the season..The local paper has the value world coupon in it again for 50 percent off..I found two  in the  trash yesterday and i hope too find more in the trash today. I take the coupons to all the different thrift stores and save 50 percent off my entire purchase..I like to take extra coupons and pass them out at the store too to share with others thats why i dig in the garbage cans for them when the coupon comes out..my friend calls me and lets me know when it come out so i can look for a few for her too...The vacuum cleaner died the other day i ran over a nail on the carpet..I was worried i would have to buy a new vacuum cleaner but my handy boy friend came over and took it apart took out the nail and glued the plastic back on where it was busted now vacuum cleaner is good as new..we also scored some cheap vacuum cleaner bags at our local thrift store. So we dont have to reuse the old vacuum cleaner bag any more but we did get about a years worth of use out of one vacuum bag and some duck tape..I have been on a diet too loose weight too so i need new summer clothes for summer. i bagged up all my old clothes and gave them to friends who were thrilled to get some clothes. I don't throw clothes out there is always someone who needs clothes. I ordered a vegan book on ebay i am thinking of giving up red meats and becoming vegan for my over all health.

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after christmas deals
Saturday, December 31, 2011 | By attic_treasures

The big deals are after Christmas. I took advantage of bath and body's boy one get one free deals. They had their 8 ounce perfume sprays for buy one get one free for 12.00 so that's like getting them for 6.00 a piece they are regularly before Christmas 20.00 a piece. i like sweet pea that's my favorite one. also they had their 12.00 8 ounce lotion for 3.00 i got 2 of them and they are nice and creamy lotion good for putting on your hands and body after  a shower or just any time. It was their signature line products too. i went in their in the morning to buy it and then went back later in the evening to get a couple more bottles and the store was packed and the items were going quickly glad i went back or i would not have been able to get what i wanted. The deals are better after Christmas any ways before the holidays everything is so high. i love their products but they tend to be on the high side so i always wait til after the holiday to get what i want.  i also went over to my favorite thrift store value world to see what they had and i looked thru their cosmetics bin and found 2 new avon lipsticks in a nice light shade for 40 cents a piece i like a nice lipstick and i thought that was a good deal. i went over by the purse rack and got really lucky i found a coach purse for 1.80 it had a broken strap and thats all that was wrong with it i grabbed because i knew my boyfriend would be able to fix it hes very handy i put a picture of it under my photos if you want to look at it its very nice for that cheap a price and i love coach purses i wish i had the money to go to macy's and buy them brand new but i can't afford that..

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Living within our means and saving!
Wednesday, November 23, 2011 | By leftthesanebehind

Hello every one, i know i haven't posted anything in a very long time! I have a another new job, working two now. This summer was not a very good one, (and it followed us) and had alot of financial struggles, and with Christmas so close we looked at the check books and started to panic!..Hubby has been on disability for a few months and that has left our bank accounts with almost no money to pay our basic bills! SO..i trudged off like the good wife i am (lolz) and found more work. We have managed to save over $4000 this year, but it was not easy,each time we had to make a car payment we had to transfer out of our savings to cover it!.. Am i crazy leaving our saving alone or should i be spending them????? bills are late and food is getting scarce..i do not get paid for another 3 wks Help!
 

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Cutting up Credit Cards..finally
Wednesday, March 30, 2011 | By leftthesanebehind

A few months ago, I asked my Dh why do we have these? i meant our two CC's he simply looked at me and said i don't know dear , they are in your name and i can't use them?! How fair is this i thought, i have 2 CC's and he has cash!! and every time he buys something for him self i get upset at him and in all reality i have a balance owing on my CC's every month for frivolous purchases i hide from him. I decided this was enough! and made him cut them up right in front of me. Does honesty run deep after 5 yrs of marriage? I'm not sure but i will say this , debt drags families farther apart and yet we hide things from each other each and everyday willingly. I hope to have our balances paid off very soon and get rid of the dishonest heart i have been holding on to. God bless

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saving on the gas bill
Saturday, March 26, 2011 | By attic_treasures

I opened my mail box and got the gas bill to discover that i had a credit from my budget plan for 2 months free  gas  and a letter informing that they would lower the budget plan to $38.00 dollars a month a big drop from $99.00 dollars a month so i guess dialing down the temperatures is the way to go.  Even tho its cold here i have been keeping my heat at 60 degrees and i wear warm clothes. I rather pay less than more so with the new budget plan my cost of living in my mobile home is $300 for rent $38.00 for gas and electric and $10.00 for the water bill. I don't know where i can live for $348.00 a month with utilities that is cheap for michigan.  I will actually be able to start putting some money away for a car now.  I hope the cost of gas does not go any higher.

I went to the thrift store by my boyfriends house yesterday. i had a coupon for 50 percent  off and i got alot of new clothes for spring and alot of the clothes still has the price tag still on them from when they had been bought brand new.  i was happy about that i also bought a coach purse for $10.00 dollars in pretty good condition and it will go good with my new spring clothes.  i have been making room in my closets for my new spring clothes and bagging up my old winter clothes for the good will.  i need to buy some more hangers for my clothes.  the best place to buy hangers is at yard sales.  i guess i could buy some at kmarts for now.  we are starting to have garage sales already here in michigan.  i went to an estate sale the other day and it really had alot of people there i bought some body butter by the body shoppe for a dollar but there were so many people there it was hard to look around.  i will be glad whe the weather warms up and i can go to more yard sales.
 

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Emergency savings 6-8 months
Wednesday, March 09, 2011 | By leftthesanebehind

We have been hearing a lot lately about having a cushion, an emergency saving's fund. Have you thought about this? supposedly to be safe in ones own home you should ideally have at least 6-8 months of bill money/survival money stocked away. For us this would mean that if we were to do this it would require us to have 9-10k saved for a real emergency, this being medical, job loss ect. this does not mean saving for a vacation (just cause you want one) Hard work! It will take us, mind you no bumps in the road should come along at $500/month for 15 months. It is almost scary! that means no extra's no emergencies. like sick days with no pay . No extravagant presents, and most of all no more CC debt! 

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Feeling the pinch
Saturday, March 05, 2011 | By leftthesanebehind

This morning at breakfast my DH informed me the price of gas was about to rise again. this time for good. And get ready because the price of food would increase as well. I was alarmed but thought ok, this is going to be later not sooner. Yikes we went for groceries today and already everything we boutght last week, has increased in price by at least 5-10%, hardly a staple in the cart, and hardly a meal to make with anything and we spent $95.00 guess starving is the new skinny!. Milk is up from $3.99/litre to $5.69/litre! in one week! meat..yikes i won't even go there! A pinch i would not say a pinch but a sunburn ! Hold on to your checkbooks people this one's gonna hurt like hell!

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Savings for a rainy day
Sunday, February 06, 2011 | By leftthesanebehind

In December of 2010, Our family started a savings plan of $500/month we decided on every week for a withdrawal from out main acct to a savings acct we already had. Thinking this would be so easy we set aside this much every month and  now are looking at $1000.00 in out saving, but it hasn't been that easy as i previously thought, out main account has stayed almost empty and our savings have grown, we have had to cut back on purchases like groceries and fun items like movies. ect! But oh the smile on our families face when we hit out targeted goal of $5000! Target date estimated November 2011 keeping my fingers crossed!

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$80.00 week grocery budget
Saturday, February 05, 2011 | By leftthesanebehind

Who is with me on this one. lets try and cut our grocery budget's in half this month and see what we can live on for less!, use up all of the ingredients you in your cupboards and keep the list to a bare minimum . Only restocking the bare necessities  EG: milk, fresh fruit and vegetables, add a comment if you are with me on the adventure, and of course if you have any questions! week one starts Monday!

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Bulk Food: Buying Citrus--'Tis the Season
Friday, January 21, 2011 | By begonia

Citrus is in season and a good buy. In line with our New Year’s resolution to use money we would have spent eating out to buy fresh fruits and vegetables, we skipped a snack at Panera after our family time (another New Year’s Resolution!) visit to the art museum and visited a local fruit market instead!

The fruit market samples most of its fruit, so it is always easy to cave in to purchasing some out- of-season delicacy. The best tasting and cheapest fruit are usually the ones that are in season.

One section of the store is lined with stacked boxes of fruit. (The boxes contain approximately a bushel of fruit and weigh about 30 pounds each.)  At this time of year, this area holds mostly citrus: several types of eating oranges and grapefruit; juicing oranges, and tangerines. The boxes varied in price by size of fruit with the smaller sizes being cheaper with higher counts of fruit per box.  We ended up purchasing a box each of grapefruit and oranges. I went for a higher count with the grapefruit because I like to eat an entire fruit at one sitting and smaller fruits are better for that. I bought the medium grade of orange because I felt they were in better shape and there was only a couple dollars difference in price.

When buying bulk fruit, be sure to open the box that you want and check out the condition of the fruit and how it is packed. If the fruit is too bruised, it won’t store well and will rot before you can eat it—a waste of good fruit and good money! Ask to sample the fruit, if they won’t let you, buy your fruit somewhere else, or ask them if you can return the box if the fruit isn’t good. (Some grocery stores will let you do this.)

I store the fruit in our cool pantry (55°F) or in a cooler corner of the basement, and it keeps very well until we are ready to eat it. Be sure the temperature of your storage place doesn't drop below freezing. Frozen citrus is only good for the compost pile!

At this time of year in Wisconsin, the weather alternates between dreary gray and cold and bright blue and REALLY cold. Those boxes of citrus brighten the days until warmer weather. (I’d settle for temps in the high 20s F!) Begonia

  

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