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Grow Your Own! ...no, not that, THiS...

December 29th, 2011 at 09:38 pm

The hanging bottles of Saving Some $$'s...

Text is
http://youtu.be/ugc71yhAfV0 and Link is

http://youtu.be/ugc71yhAfV0


Love it...now, if he could just figure out how to recirculate from the bottom back to the top on the cheap with a Rube Goldberg...way to also drip in some plant food it would be totally self sufficient except for the planting and harvesting...LOVE IT!!! YUM...cheap eats!

AND, I'm back to making more regular bank runs - taking the weekly change savings to the bank and then moving them online to get a few pennies of interest cooking. Today's haul from Pigger? $5.30.

P.S. In case you missed it, check out my earlier blog this morning for a video interview of Ms. Amy Dacyczyn of Tightwad Gazette fame.

Video interview w/Amy Dacyczyn of The Tightwad Gazette

December 29th, 2011 at 01:07 pm

Hey boys and girls - I just ran across this interview and enjoyed remembering how excited I was when I first ran across this woman and her writings. What a nice gift to get a glimpse of her in person and to see inside her lovely home...every time I tried to forget my way? She sparked my Frugalicious Gene (TM) back into action!!

Text is
http://www.savvyhousekeeping.com/interview-with-amy-dacyczyn/ and Link is

http://www.savvyhousekeeping.com/interview-with-amy-dacycz...
Video interview with Amy Dacyczyn of The Tightwad Gazette

Need Help...Anybody Remember?

December 15th, 2011 at 03:02 pm

Hey guys, there's a friend I'm wanting to help. I used this tool and now want to pass it on. I'm wanting to find a guy on here who had some nice grids that were used to help you pay things off early. He had one shaped like a house and one shaped like a car. You gave each gridblock a dollar amount towards the total owed and then colored in each block when you paid that portion down. A visual aid to help you pay down your debts. Anybody remember who I'm talking about? Or do you have a copy of those aids?

I was reminded yesterday and have started it up again...of a little trick I used to play with myself. Yesterday I drove an hour out of town to a funeral. On the way there I did use the turnpike to the tune of about $2.50. I decided I would come home the other way and save the change. I also was planning to stop at MickeyD's and buy myself a smoothie for breakfast - I had already had a banana. I sailed on past the exit and saved myself $2.32. I ALWAYS stop at my favorite restaraunt in this town to buy myself some of the best hot dogs to be had for lunch. Didn't do it - had half a pimento cheese sandwich at Dad's house. Saved myself about $4.00. So when I got home I rounded up those savings and came home and sent $10 online to my Roth. Not a big savings day, and not a total No Spend day but over time these are the things that can help you add up to a comfortable retirement. Here's to saving!!!

Somebody asked the other day about CashHappy & FrugalSon. They are both at home (disabled) and doing well as of the moment. CashHappy dug himself a deep debt hole while gone from home that we are slowly digging him out from. Of note for FrugalSon is that because of new BUSY traffic location he won't be able to drive from here to a job. So, we sold his little vehicle and moved those dollars into his ROTH as he only worked half a year this year and that just covered that half year income plus a little bit more that we just moved to regular savings. He's a happy camper and not as upset by this necessity as many guys his age would be. Both will be looking for new jobs after the Christmas holiday is over. Guess who'll be back to playing taxi-mom?

Anybody have a link to that guy's blog mentioned above????? Thanks bunches.

~LuxLivingFrugalis

Sold House, Moved to Condo

August 28th, 2011 at 03:40 pm

Long time no check in!

Short story that took a majorific LOT of work... On 6/24/11 we sold our three story house and downsized into 3 bed 2 bath condo. Paid cash. Moved. Still debt free!

Went on vacation on 8/13-8/20. Home. Still debt free w/$130 still in the vacation fund to apply to next year's vacation.

The condo we bought is in a nice gated quiet community. One story unit with very nicely done courtyards front and back and no neighbors upstairs. Security guards make the rounds several times a day. Some one else does all the yard work & outside maintenance. Pool is just across the walkway. Very close but far enough not to hear any noise. All bills paid except electricity in the presently very reasonable HOA fees of $290 a month. Showers are already geezerhood ready w/nice handbars and a low threshhold, etc.

We are very happy with the major decluttering that took place to get here. Many items went to auction, given to friends and family and lots of Craigslisting and ebaying went on and many many trips to donate to the Goodwill!

Paying cash for the unit has run us to the nearer end of the bottom of our cash position, so that will have to be re-beefed! Still have not begun to withdraw any $$s from retirement funds and don't expect to have to for quite some time. Paying the HOA fee & electric bill by autodraft is making life pretty simple. Now I just have to pay the CC bills which I still payoff monthly. The unit is all electric so that's a switch that I'm having to get used to, but so far the two electric bills I've received seem reasonable enough.

Hubbie just turned 65 this month and he made it to Medicare with no major medical mishaps which would've likely wiped us out financially as we had no medical coverage for him. Hurraaaaaaay for him on all counts!

For you new folks who don't know me - I just want you to know that saving and being in anticipation beforehand of life's financial events can turn out okay for you! Don't give up!!! Budgeting may be a pain in the patumpkus at first but the benefits are worth the effort.

Well, folks that's all the current news fit to print. More again later if I think of it. If it seems as if I had abandoned you all, I apologize. Life was just too too busy to even think about much computering!


Habitat's Resale Store Comes Through!

August 31st, 2010 at 09:35 pm

We've been looking for a new cabinet to go over the stool in the bathroom remodel. The one I had up there was an antique-y looking one (crackle paint & old hardware) and Hubster thought it time for something else for prospective buyers. Ehhh.

The ones at the big box stores look like crap and they wanted at minimum $115 plus tax for them. I had checked at three different stores and nothing looked any good and the prices seemed awfully exaggerated for what you were getting. No sale.

CashHappySon and I went yesterday to metro area to do some banking and while we were there I thought we might as well take a chance and look at Habitat for Humanity's resale Store where they sell old and new lumber type items. Score! I wasn't exactly sure it would work so took Hubster over there today and we found the closet doors we also need for another room and the right cabinet. Total for 2 solid wood louvered closet doors and a bathroom cabinet? $16.28. Yippy-Ya! Lurv a good bargain.

I will have to repaint the cabinet, but I don't mind - I'd much rather do that than overpay for something ugly to begin with. I'll try to get some pics of the before & after looks to post later.

Also, I will likely take the old cabinet to the junque' booth and sell it at a good profit. It'll be all profit as I got it for free to begin with.

Lux Bites Bullet In Upcoming Bathroom Re-do

August 28th, 2010 at 11:40 am



This past week - we've met with and ordered from our plumbing contractor a new bathtub and surround, which will run about $1610 installed. Had to do it - the vinyl bathtub has been cracked for awhile (whoever installed it before we bought the house did not get the concrete base down correctly) and the tape job Hubster did to keep it from leaking was an okay short-term fix, but it's been needing doing, so we're biting the bullet. One less thing for potential buyers to balk at.

I went earlier in the week and bought the new hardware for the shower and replacement matching faucet for the sink, new towel hooks, toilet paper holder, new toilet seat, flush handle, valves, doo-whichies and doo-ma-bobs, etc. to the tune of $400.

Waving bye-bye to $2000 not so fun necessarily, but something we have saved for, so nothing debted for.

While I was at the big-box lumber store I was happy to see that to just buy the stuff to do the tub & surround in the materials we chose? $1474 plus tax, so it is very much to our advantage to have someone who knows what they are doing being the wrecking crew & installer instead of us. Cost difference is minimal - $136!

http://www.onyxcollection.com/onyx-shower-wall-panels.html

Boys and Hubster working hard on the yard this week. We got another load of the ice storm firewood to Dad, and there are probably 8 or more loads left! I bought my crew ice cream sundaes last night to the tune of $11 and change. Ordered a birthday DVD gift for $25ish yesterday off ebay.

Painting & Refreshing House to Sell

August 24th, 2010 at 07:20 pm

We are busy w/projects here at the house. Spent $145ish on paint - this will cover the three rooms ceilings that need painting & repainting trim in one room, and then painting out living room & bathroom to boring neutral colors. I hate it. By cracky this house better sell after I bust my bum painting it colors I hate!

Contractor bath remodel guy on his way over as we speak to give estimate to replace vinyl bathtub that has cracked. Oh joy!

Prospective Listing Realtor says courthouse does not list our property acreage the same as we were sold and we were telling her that we had to sell. Had to dig out the abstract and old sale papers and will probably end up w/an attorney fee on top of everything else in order to get it set straight.

There has been loads of OTHER stuff going on, but the stresses and strains and actual hours needed to get it all done? Have prevented me from joining you guys here.

My continued absence...

June 10th, 2010 at 12:54 pm

Since I was last here...I've been on a weeks vacation in NM and AZ w/the parental units visiting family, then my brother-in-law passed away unexpectedly, then another week's vacation in Missouri w/FrugalSon as Hubster stayed home to be with his sister, then my older brother passed away and we had his funeral.

Many of you may remember my posting about the last time he was in hospital...COPD and diabetes. Give up smoking now and save your family some grief later, okay?

We then spent some time cleaning up brother's affairs and then we (Hubster, FrugalSon and CashHappySon and I) went on another vacation, this time to Arkansas. Now, I'm back in my spot, hopefully for the summer and can catch up with you guys here on Saving Advice dot com!

Vacations? All paid for in cash AND I ended the travel season w/$60 left to put back in the pot for next year's vacations. YEAH for advanced anticipatory budgeting! It works.

Another financial event of note is that while we were gone on the last trip Hubster's final tier of unemployment benefits have ended. We are now totally going to be dependent on our retirement savings, Social Security and his carpenter's pension. I think we've got life covered, but it may run close at times. Saving MORE while you're working? Always a great idea!!

Behind posting on $20 CHALLENGE

April 9th, 2010 at 04:29 pm



As is my custom, I'm behind. Frown How embarassing! Big Grin I will try to post later the money I deposited in my $20 Challenge so far this year. But, let's start where we're at today...

This a.m. cleaned off desk and vacumned keyboard and under, etc. and found .44 to take to the $20 Challenge.

$20 CHALLENGE
April 2010

$000.00 April balance
+000.44 desk cleanup
_______
$000.44 April MTD

2010 Challenge Total $000.94
Cumulative Challeng Total $2091.53


Sorry, I've been Absent...

April 2nd, 2010 at 09:46 pm

without leave! And then, time flies!!!

Both my parents have been having major health issues and along with others things, so, SA had to sit on the back burner! I've missed you guys.

SD Sioux Tribe Emergency Response Needed

January 30th, 2010 at 05:20 pm


Photo credit: Juanita Oros

Many of you know I'm of Native American ancestry, this is not my tribe but the situation in SD is one I've just been made aware of. If any of you can help in any way I'm sure it would be most appreciated! If all you can do is spread the word that help would be great as well. It's true there are many people in Haiti who need our help, but there are people here on American soil that need assistance too! National media attention is needed in this situation. Do not be fooled. We are not all 'casino rich' or receiving an 'Indian check' each month. Many do not receive any government assistance.



South Dakota Sioux Tribe Seeks Emergency Assistance After Ice Storm


"Last week's ice storm in South Dakota left thousands without power and water. While many Red Cross resources are being diverted to relief efforts in Haiti, there is still the need for money and supplies in the upper midwest, specifically for the Cheyenne River Sioux Tribe, which has a full list of needed medical and general supplies.

Power outages forced 35 kidney dialysis patients from the tribe to temporary relocate to Rapid City, and the reservation requires glucose strips, first aid kits and even children's medicine.

The local Wal-mart has sent food and supplies, but in-kind contributions are being accepted. A full list of what the Tribe requests:

•Non-perishable food
•Cots
•Heat sources (heaters & fuel)
•Camp stoves & fuel
•Lithium 1, 2 and 3 batteries for law enforcement
•Lamps/Batteries/Lamp Oil
•Toilet paper
•Paper products for the shelters
•Pampers/formula
•Hand/baby wipes/Hand sanitizer

Ship in-kind donations to:
Cheyenne River Sioux Tribal Chairman's Office
Attn: Ice Storm Emergency Supplies
PO Box 590
2001 Main Street (Tribal Offices)
Eagle Butte, SD 57625

You can also contribute money to the Cheyenne River Sioux Tribe's emergency relief fund, which has been depleted in the past months. Online donations are currently unavailable.
Mail checks to:
Cheyenne River Sioux Tribe/2010 Disaster Account
Cheyenne River Sioux Tribal Chairman's Office
Attn: Ice Storm Emergency Fund
PO Box 590
2001 Main Street (Tribal Offices)
Eagle Butte, SD 57625"

Text is
http://online.wsj.com/article/SB10001424052748704094304575029450101290726.html?mod=rss_Today's_Most_Popular and Link is

http://online.wsj.com/article/SB10001424052748704094304575...


Text is http://www.bsnorrell.blogspot.com/ and Link is
http://www.bsnorrell.blogspot.com/