Category Archives: Frugality

Indulgences that are killing your diet & your budget

If you’re trying to lose weight and cut expenses, it’s no secret that the first place to look is your shopping cart. The idea that healthy eating is expensive is a myth. In fact, those pricey convenience foods driving up your grocery costs are probably sabotaging your diet, too. Next time you’re at the grocery store, check your cart and swap these no-nos for healthier, more frugal alternatives.

Soda

Sodas are not only expensive — they’re also full of sugar, artificial flavors, and empty calories. Studies show that even diet sodas can lead to weight gain. Considering its negative effects on your health, the cost of soda is outrageous. Just one 12-pack per week is likely to add $12-$20 a month to your grocery expenses. Instead of drinking soda, invest in a water filtration system like Brita or Pur. If you miss flavor, drink unsweetened tea with lemon instead.

Alcohol

If wine, beer or liquor are weekly staples on your grocery list, it’s time to take a serious look at how much it’s costing you — not just in dollars but also in calories. Alcohol is one of the least nutritious, most caloric things you can consume. Removing it from your grocery list and your diet is a must.

Fruit Juice

Fruit juice is full of nutrients, and it’s not an inherently unhealthy drink to consume. However, when you’re trying to lose weight, it’s not a good idea to drink your calories. A glass of fruit juice is likely to have as many calories as a small snack, but it will leave you feeling unsatisfied and craving more food. Considering most fruit juices cost around $3 for a half gallon, you’re better off sticking to tea and water. Fresh fruit offers the same health benefits as juice, but an apple is a more satisfying snack than a glass of apple juice.

“Low calorie” or “fat free” snacks foods

These convenience foods not only cost a fortune, but they may not be helping you lose weight. Not only are they full of artificial ingredients and sweeteners, studies show that you’re likely to eat larger portions of “fat free” and “low cal” foods, which may cancel out their benefits. Instead of buying snack foods, opt for fresh produce. Choose fruits and vegetables that are currently in season for the lowest prices. If produce prices are too high, canned fruits and vegetables are the next best thing.

Photo by B Tal

Don’t pay a fortune for moving boxes

Of all the hassles that come with moving — packing, unpacking, loading, unloading, and the chaos in between — one of my least favorite parts is finding boxes. In fact, when we moved here, I so dreaded the search for boxes for our next move that I crammed all of our cardboard boxes into a closet in the guest bedroom where I’ve kept them for three years.

Finding the perfect moving box is an art. It needs to be sturdy, big enough to hold a decent number of items, but not so big that it will be too heavy to carry. Handles on the sides are a plus, and a blank side for labeling helps, too.

If you’re planning a move and you find yourself with no moving boxes, it can be tempting to pay a fortune to a moving company or retail store for an assortment of boxes. Don’t do it! It’s possible to find moving boxes for free, and reusing them is much more environmentally friendly than buying new. Here’s where to start:

Ask friends, family, co-workers, and neighbors.

Some work places have a greater volume of boxes than others (I used to work at a publishing company that had a surplus of excellent moving boxes shipped in every week). Even if you don’t work at a retail store or publishing company, send out an email requesting that your co-workers hang on to good moving boxes for you. Also notify friends, family, and neighbors that you’re moving soon. They may have boxes they’re willing to give up or loan to you.

Ask your local recycling center.

Many recycling centers have a special area for cardboard boxes that can be used for moving. Show up early Sunday morning (or first thing Monday if the recycling center is closed on Sundays). If your recycling center has them, they’re likely free to a good home.

Check Craigslist.

It’s become pretty common for people to list stockpiles of moving boxes on Craigslist for free or cheap once they’ve moved in. Just be cautious when completing Craigslist transactions. If you can’t meet in a public place, bring some friends along to help you load the boxes.

Don’t dumpster dive.

Many retail stores and businesses have special cardboard dumpsters for recycling purposes, but digging through dumpsters without permission is actually considered trespassing. Not only can you get hurt, but you can be fined. Instead of jumping into a dumpster, ask businesses if they’re willing to let you take boxes before they end up in the dumpster. You might have to show up on a certain day and time, but many business owners don’t mind giving away used boxes on a first come, first serve basis.

Photo by ahhyeah

Turn off the lights to conserve energy & save money

This past Saturday, cities and households throughout the world observed Earth Hour. Once a year, families, businesses, and cities shut off the lights for one hour to raise awareness about energy conservation.

Tony and I observed the tradition with candles, an game of Battleship, and Jones Soda root beer, and it was actually a lot of fun. It reminded me of summer power outages when I was a kid when we suddenly had to find creative ways to entertain ourselves.

Shutting off the lights doesn’t just conserve energy, though. It also reduces energy costs and promotes quality time with family. Shutting off computers, televisions, and video games — even for an hour — is a great way to reconnect. All of the benefits made me wonder — why don’t we observe Earth hours more frequently?

Every year, my older sister and her family shut off the lights, eat canned foods, and enjoy an entire weekend with limited energy use. For them, the tradition is a chance to embrace simplicity. It’s also a reminder of how life would be without electricity.

If you’re trying to conserve energy and lower your electricity costs, consider a weekly or monthly “earth hour.” Stock up on candles and flashlight batteries, and plan a fun night with these power-free activities.

  • Play board games or cards.
  • Tell stories.
  • Read or write by candlelight.
  • Prepare a meal that doesn’t require electricity.

How did you observe Earth Hour?

What a savings account can buy

When I tell people we’re moving in 6 weeks, it always leads to the same conversation:

“Oh, so you found a job?”

“Nope. Not yet. But I’m looking.”

“So your husband found a job?”

“Not yet.”

That’s when they look at my like I’m nuts.

I don’t blame them. Back when I was living paycheck-to-paycheck, the idea of quitting my job without another one lined up would have seemed pretty nuts to me, too.

It’s not polite to ask specific questions about our financial situation, so most people leave it at that. They sort of raise their eyebrows like we’re nuts and assume we’ll be mooching off our parents for months while we job search. I don’t ever bother to correct them, even though their assumption isn’t really true.

Yes, we’ll be staying with Tony’s family temporarily, and it’s extremely kind of them to give us the chance to get settled in Indiana before we find an apartment. And yes, the absence of a rent payment from our budget for the few months that we stay there will help keep our savings account healthy. We won’t be mooching, though. We’ll be paying all of our own bills, chipping in for groceries, and helping out in any way we can to repay their kindness. But the truth is, we’re staying with them more out of convenience than financial necessity.

My husband is hoping to find a teaching job. Because the availability of teaching jobs depends so much on geography, we don’t want to lock ourselves into a certain area with a lease. We want to be open to move where ever the jobs are. Staying with family while we look makes the most sense.

Financially, though? We’re in a better place than we’ve ever been. Because we’ve been saving for the past three years, we have enough cash savings to carry us through a full year without any income. We won’t be living without income, though. We plan to earn money through part-time jobs or substitute teaching while my husband searches for a full-time teaching job. I also make a little bit of money from freelance writing and advertising on this site. That income will stretch our savings even further.

Obviously, the sooner we start earning income again, the better. I don’t want to completely wipe out our savings accounts while we search for jobs. I’m just not too stressed about the fact that neither of us has anything lined up yet. The sooner we find jobs, the more money we’ll be able to keep in our emergency fund and move to our house fund. For now, though, our savings has bought us peace of mind and the freedom to move closer to family despite the fact that the job market is sluggish, because we’re not dependent on our paychecks every week to live.

I doubt I’ll ever view our savings the same way again. Sometimes when I looked at that balance, I saw all of the things it could buy: a new car, a new computer, a million other things I wanted but didn’t need. It was tempting to spend at least some of it.

Now I see that the best thing a savings account can buy is freedom and peace of mind. We’re free to move closer to our families, free to be a little picky as we job search, and free to enjoy our vacation to Europe right before we settle into our new home. All of that is worth so much more to me than any material thing our savings account could buy.

Photo by alancleaver

Countdown to Europe & moving: 2 months to go

Can I tell you how excited I am that our trip is now absolutely, completely booked? Because I am SO excited. Everything is booked, paid for, and all of our travel documents are compiled together in a neat little stack on the bookshelf.

The last thing we booked? Tickets to see Les Miserables in London. I don’t even think I’m ready to talk about that yet because it’s possible my head will explode.

I should be relieved, but the amount of documents and confirmations and plans to keep straight are more than a little overwhelming, especially when I consider the fact that we’ll be packing up the rest of our lives approximately five days before we board our trans-Atlantic flight. Eep.

Speaking of moving. You know, that other thing we’re doing in May? I haven’t even thought about that thing. Yes, you read that correctly. I’ve been planning our 12-day European vacation for over a year, but we’re now two months from transporting our lives over 800 miles away and I haven’t even begun to compile a to-do list.

Well, I guess that’s not true. I’ve booked our movers and reserved a moving van. I know what needs to be done. I need to pack up three years of our lives — currently occupying over 900 square feet of space — and condense it all to fit in a 17-foot moving truck. I also need to find someone to sublet our apartment so we won’t end up paying rent in June and July. Ugh.

What I don’t need is boxes. Because I have a pathological fear of not having enough boxes when I need to move, I refused to throw away any of the boxes we used when we moved here. I also have kept every single box that came into this apartment that I felt might be useful in a move. It began as a single closet full of boxes, but they’ve now spilled out into our guest room. The floor is no longer visible. I open the door to the guest room, and all I can see is a wall of boxes.

Have I mentioned before that I despise moving? It’s pretty much my least favorite thing ever. From the nightmare of going through years of accumulated stuff to the limbo between packing and unpacking, moving makes me anxious, exhausted, and overwhelmed. I’m excited for the change, but I’m preparing myself for the worst this time since we’re not moving into anywhere permanent. I’m staring into several months of limbo until I finally get to unpack all of my boxes and begin decorating my new home.

Anyway, all of this is to say that I’m procrastinating. But on the bright side, did I mention our trip to Europe is completely booked? Because it is.

Photo by e01

Tips for a happier, healthier cruise

This past weekend we took a three-night cruise to the Bahamas. There were a lot of ups and downs, but I wouldn’t discourage you from trying it for yourself. It’s definitely an economical way to travel, and even though I don’t think I’ll do another cruise in the future, I definitely recommend it to those travelers who are looking for a relaxing getaway rather than a non-stop travel experience.

If you decide to try cruising for yourself, here are some things I wish I’d known before our trip.

Take the stairs.

You will be eating too much, and the food is mostly bad for you. Yes, in an ideal world you’ll eat nothing but reasonable portions at the giant buffet, but I don’t have that kind of will power. If you don’t either, one way that you can make sure you can (somewhat) counteract the damage is to ignore the slow, overcrowded elevators and take the stairs. There were 12 floors on our ship, and we were constantly going up and down the stairs. By the end of the trip, my calves were aching, which tells me I got at least a little exercise.

Bring a watch.

I don’t know if it’s part of the cruise “experience” and they want you to forget the time, but there was a serious shortage of clocks on that ship. We had to turn on the TV and flip to the channel guide to see the time in our room, because there was no clock. The only place we ever saw clocks were on the stairs. A watch would have made it easier for us for us to keep track.

Remember: nothing is “free.”

Because food is included in the cost of your ticket, you won’t receive a bill at the end of your meals. It’s a strange and wonderful feeling, but beware: that feeling makes it easier to spend money on the extras on the ship. After all, food is “free,” right? Why not treat yourself to all of the extras? But food isn’t free. Remember how much you paid for that ticket, and budget for extras accordingly.

They give you a little card hooked up to your credit card, which is what they swipe for all extra purchases. Don’t get too caught up in the “free” mentality, or you’ll undoubtedly end up with a painful bill at the end of the trip.

Read the fine print.

Several times we were almost duped into spending money without realizing it. For instance, after dinner we were offered a cup of espresso. There was no mention of an additional charge — until I read the fine print at the bottom of the menu that said specialty coffee drinks were subject to additional charges. Know what’s included with your ticket and what’s not so you won’t be surprised.

Be (somewhat) reasonable.

You are on vacation, so your resistance will already be low. Then you’ll be surrounded by unlimited food and drink. You’ll be approached by a bartender with a tray of delicious drinks every five minutes. All you have to do is swipe your magic card.

Take it from me, though. If you eat, drink, and spend too much, you will be sorry. We set a limit for what we could spend on the trip, which we only exceeded slightly. I can’t say the same for the food. I ate way more unhealthy food than I intended, and I definitely regret it.

Enjoy yourself, indulge, but also keep in mind that the real world is waiting for you, and you can’t leave those extra calories behind on the ship.

Photo by 27828104@N08

Recapping our cruise: The good, the bad, and the ugly

We’re back after a relaxing weekend at sea, but I have to say, after experiencing it? I don’t know if cruises are for me. It could be that we just had a bad experience with Royal Caribbean, but for a number of reasons, I can’t say I’ll ever do another cruise. Here’s the rundown of our weekend.

The Good

Cruising was definitely affordable. If you’re able to drive to your departure port and avoid the “extras” on the ship like alcohol, the total cost of the trip will like be much less than if you flew to a destination, booked a hotel, and paid for food separately.

For the most part, the rooms were comfortable if a little small. But it’s really true what they say about your room on a cruise ship — you spend very little time there. Even though we spent an above average amount of time trapped on the ship, we didn’t spend the time in our room. We were on the deck looking out at the water or reading.

Being at sea surrounded by nothing but deep blue ocean and sky was amazing. My favorite part of the trip was watching the sunset from the deck on our final night at sea. We went parasailing on our first day off the boat, which was definitely a worthwhile experience.

I also found it easier to relax on a cruise ship than I have any other vacation. Perhaps it’s because everything is taken care of for you, but I didn’t feel the urgency to go-go-go that I normally do while traveling. I read an entire book, which is unheard of for me on vacation. I never take the time to read while traveling unless it’s on a flight, and even then I’m usually too excited to really focus.

Since this trip was meant to be a chance for us to relax and recharge, that part of it was great. We mostly just read, slept, and ate, and I really enjoyed the relaxation. It was just what we needed.

The Bad

Honestly? I wasn’t at all impressed with the ship’s activities. Aside from drinking at the bars (expensive) and gambling in the casino (also expensive, and boring in my opinion), there was very little to do. We’re admittedly pretty anti-social when it comes to group activities, and after catching part of the ship’s comedy act on the closed circuit television, we decided to skip that, too.

Our second port of call ended up being cancelled due to high winds. They were unable to shuttle us safely from the ship to shore, so we spent our last day at sea. The ship definitely felt claustrophobic on that final day. I was frustrated and angry that we were stuck there when I’d been looking forward to getting off the ship and exploring the island — especially since our three-day cruise only included two ports of call.

For the record, the Royal Caribbean crew and staff of the ship was pretty rude about the cancellation. Their attitude seemed to be, “We just canceled half your vacation, but that’s not our problem. Spend more money at the bar! kthnx.”

I would have rather been off the ship in another country exploring rather than feeling trapped surrounded by other American tourists. It ended up being okay for us since it kind of forced us to relax for the day, but it was still a bummer. I felt stuck on the ship.

The Ugly

I debated whether I should share my feeling on this subject, but I’ve decided to give an accurate depiction of our experience. And honestly, I found the cruise culture to be a little disturbing. It was extremely strange to me to be surrounded by so much excess. Excessive food, excessive alcohol, and excessive spending.

I really don’t want to get on a soapbox here, and believe me, it’s not like we didn’t overindulge on the cruise. We ate way too much, probably drank too much (mostly because we felt like there was little else to do), and spent too much in the process. But on future vacations, I think I’d rather avoid that kind of temptation. It’s hard to resist eating and drinking too much when food and alcohol are literally every. where.

I think our biggest problem was our choice of destination. The only place we stopped was Nassau, Bahamas, which was a pretty bleak place. The entire city seemed to center on tourism, which honestly just isn’t my style when it comes to travel. I want to explore another culture and experience another city. I didn’t like being surrounded by other tourists and people seeking to cater to tourists. As Tony said, the part of the Bahamas that we saw was a lot like the beaches of North Carolina during the heavy tourist season.

By the end of the trip, when this towel animal appeared on our bed, I was ready to get home to Howie.

The Conclusion

I can definitely see the appeal of cruising, and I think it would be a good vacation idea for a family (as long as you pick a better destination than the Bahamas). If you’re someone who enjoys complete relaxation on vacation, you’d probably really enjoy a cruise to a tropical island. If you’d rather do and see more, I’d recommend choosing a destination with more to do and see than a tropical island.

It’s also possible that I just had kind of a crummy experience for our first cruise. For another perspective, read about Kacie’s cruise to Alaska. From what she’s told me, it seems like an entirely different experience than our cruise to the Bahamas with more interesting sights and experiences.

I definitely can’t wait to see how this experience differs from our trip to Europe in two months. The two trips couldn’t be more different, and I’m thinking the freedom of Europe will suit us a little better.

Have you ever been on a cruise? What was your experience like?

On your mark, get set …

Tomorrow afternoon, we set sail for a four-day cruise to the Bahamas. I so need some sunshine and relaxation.

Taking time off from my day job was easy. Unfortunately, taking time off from my own to-do list, worries, and work isn’t so easy.

It’s been months since we took real time off to relax, and no matter how much I plan to relax in Europe, I know better. With all the travel and things to do, I doubt we’ll have much time to just be.

Our trip this weekend is different, though. We don’t have high expectations or a long to-see list. I have no itinerary and no plans. We planned for this cruise to be our chance to recharge and refresh ourselves before the craziness coming up. The past few months have been hectic, and the months ahead will be even more so. We need to take some time to ourselves to reflect on what’s coming up and prepare for what’s ahead.

So I’m requesting time off from myself. I need a few days to collect my thoughts. I need time to read a book without feeling guilty about everything else I should be doing. I need to spend some real time with my husband talking and planning for the near future without work between us.

Tony is guilty, too. With his thesis due at the end of next week and graduation quickly approaching, I feel like his computer has become permanently appended to his lap. It’s rare that I’m able to pull him away from his work for a real conversation.

Because the weekends are when I do most of my writing for this site, posting may be light next week. I hope to catch up early in the week, but there’s no telling what my schedule will be like when we return.

After this trip, it’s time to get serious about packing our lives and moving north. It’s time to prepare ourselves for a new home, new jobs, and what will surely feel like a new life. So much is changing so soon. I hope we’re able to stop the clock, if only for a weekend.

Photo by lynnoel

Over 300 hours of entertainment for $2.99

Do you have an iPhone? Are you a fan of “This American Life“? If you’re not, you should be, and the This American Life iPhone app is a great way to become one.

“This American Life” is a public radio show that offers a glimpse into the lives of real Americans through quirky stories and interviews. Each week, they feature a theme and the radio show includes different kinds of stories about that theme. One of my favorite episodes are “Somewhere Out There,” which explores the idea of soul mates, and “Matchmakers,” which focuses on (you guessed it) matchmakers.

For just $2.99, you’ll have access to almost every episode of the show ever produced. Tony and I love to listen to the podcasts on road trips, and with this app we won’t have to burn tons of CDs every time we take a trip.

It costs 99 cents per episode to download them individually. With almost 400 episodes in the catalog, this is an incredible price for portable streaming access to all of them. For a tour of the app and all its features by host Ira Glass himself, go here.

Take it from me, this is a fantastic way to spend $2.99. “This American Life” is absolutely the most interesting and entertaining radio show on the air, and you will love it. I promise.

If you don’t have an iPhone, you can stream episodes for free online. Take some time away from the TV this weekend to check it out.