- RT @bargainr: Life in North Korea is absolutely dreadful http://nyti.ms/dAcL26 #
- RT @bitfs: Weekly Favorites and Gratitude!: My Favorite Posts this Week Jeff at Deliver Away Debt threw together the .. http://bit.ly/9J0gGo #
- @LiveRealNow is giving away a copy of Delivering Happiness(@dhbook). Follow and RT to enter. http://bit.ly/czd31X # #
- Baseless claims, biased assumptions, poor understanding of history. Don't bother. #AnimalSpirits #KeynesianCult #
- RT @zappos: Super exciting! "Delivering Happiness" hit #1 on NY Times Bestseller list! Thanks everyone! Details: http://bit.ly/96vEfF #
- @ericabiz Funny, we found a kitten in a box last week. Unfortunately, it was abandoned there, not playing. Now, we have a 5th cat. in reply to ericabiz #
Twitter Weekly Updates for 2010-07-03
- I miss electricity. #
- @prosperousfool Do you still need a dropbox referral? in reply to prosperousfool #
- @prosperousfool Dropbox: https://www.dropbox.com/referrals/NTE1Mjk2OTU5 in reply to prosperousfool #
- Don't let anyone tell you otherwise: Electricity is the bee's knees, the wasp's nipples and lots of other insect erogenous zones. #
- @prosperousfool Throw in a Truecrypt partition and the PortableApps launcher and it gets really neat. in reply to prosperousfool #
- @prosperousfool Universal accessibility. I put an encrypted partition on it so any receipts or credit card info or login info would be safe in reply to prosperousfool #
- RT @untemplater: RT @jenny_blake: Deep thought of the day: "How people treat you is their karma; how you react is yours." -Wayne Dyer #quote #
- @FARNOOSH So what's happening to the one good show on SOAPNet? in reply to FARNOOSH #
- RT @flexo: RT @mainstr: 1 million Americans have been swindled in an elaborate credit card scam and they may not know http://bit.ly/cr8DNK #
How to Save Money On Anything
There is a little-known secret to saving money on almost anything. If you want to know what it is, please send a case of beer and a self-addressed, stamped envelope to my house.
No takers?
In that case, I will share the secret that has been passed down from father to son since the Mesopotamians landed the Santa Maria at Plymouth Rock.
Ready?
The secret is to…ask.
That’s right, just suck it up and say “Pretty Please”.
How does it work?
In the easiest version, you call up one of the companies you pay regularly and you say “How can I save some money?”
Allow me to give you some examples.
How to save money on insurance
Call up your insurance company and ask, “How can I save some money with you?” You may be offered a multi-line discount if you let them insure your home and your car or you might be told to raise your deductible. If you have a $1000 emergency fund, you can afford a $500 deductible. They may recommend that you drop some coverages that you don’t need or they may ask you some questions that will allow them to lower your rate. For many years, I lived 2 miles from work and got a discount for the low mileage.
How to save money on utilities
When you call your electric company to ask the magic question, they may offer to conduct a home energy audit to determine where you home is leaking energy. If they try to charge you for the audit, remind them how long you’ve been a customer in good standing.
Another option they may offer is to install a remotely-triggered switch on your air-conditioner. Around here, that switch is good for a 15% discount off of my bill in the summer.
How to save money on your cell phone
If you are out of a contract or near the end of your contract you have leverage. Look up the best comparable deal from another company. Then, call your cell phone provider, ask to be transferred to the retention department, then ask them to convince you to stay. They will.
If you aren’t near the end of your contract, you can still call and ask. If that doesn’t work, watch the mail and any emails from the company. If they change the terms of your contract, you can get out of it without paying a penalty. If you get that opportunity, call and ask for the retention department.
How to save money on credit cards
I am assuming you have a credit card with a balance that gets carried from month to month.
Credit card companies are competitive. Find a competing deal and call your company. Ask them to beat the deal. If the competitor is offering 9%, ask for 8%. If they refuse, call up the competitor. Tell them you will transfer your balance over if they will waive the transfer fee. A surprising number of companies will be happy to do so.
Most bills can be reduced in some way. All you have to do is ask.
Have you had any luck pointing the shrink ray at your bills?
Family Bed: How to Make It Stop
baby on the cheek.” width=”300″ height=”199″ />For years, my kids shared my bed.
When my oldest was a baby, I was working a graveyard shift, so my wife was alone with the baby at night. It was easy to keep a couple of bottles in a cooler by the bed and not have to get out of bed to take care of him when he woke up once an hour to drink a full bottle.
Then he got older. And bigger. And bigger.
We tried to move him to his own bed a few times, but it never worked well. He’d scream if we put him in a crib, so we got him a bed at 9 months old. That just meant he was free to join us whenever he woke up. Brat.
We finally got him to voluntarily move to his own bed after his sister was born. Shortly after she was born, I woke up to see him using her as a pillow. To paint the proper picture, this kid is 5’9″ and wears size 12 shoes. At 11. When I woke him up to tell him what he was doing, he decided to sleep in his own bed.
Method #1 to get your kids in their own bed: Have kid 1 try to crush kid 2 and feel bad about it.
Method #1 isn’t a great solution.
Soon, baby #3 showed up and we had 2 monsters in bed with us again. Once they started getting bigger, it became difficult for the 4 of us to sleep. We tried to get them into their own beds. Unfortunately, even as toddlers, my kids had a stubborn streak almost as big as my own. Nothing worked.
Eventually, they got big enough that I was crowded right out of the bed. At least we had a comfortable couch.
Sleeping on a couch gets old.
When the girls got old enough to reason with, we had a choice: We either had to find a way to convince them they wanted to sleep in their own room, or we had to have a fourth brat for them to attempt to crush at night.
We went with bribery. Outright, blatant bribery.
We put a chart on the wall with each of their names and 7 boxes. Every night they slept in their own beds, they got to check a box. When all of the boxes were checked, they got $5 and a trip to the toy store.
It took 10 days to empty our bed and it’s been peaceful sleeping since. That’s $5 well-spent.
Have you done a family bed? How did it work? How long did it last?
Meal Plans
- Image by Getty Images via @daylife
When we don’t have a meal plan, food costs more.
Our regular plan is to build a menu for the week and go to the grocery store on Sunday. This allows planning, instead of scrambling for a a meal after work each night. It also give us a chance to plan for leftovers so we have something to eat for lunch at work.
We work until about 5 every weekday. When we don’t have the meal planned, it’s usually chicken nuggets or hamburger helper for dinner. Not only is that repetitive, but it’s not terribly healthy. It is, however, convenient. If we plan for it, we can get the ingredients ready the night before and know what we are doing when we get home, instead of trying to think about it after a long day of work.
If we don’t plan for leftovers, we tend to make the right amount of food for the family. When this happens, there’s nothing to bring to work the next day, which means I’ll be hungry about lunchtime with nothing I can do about it except buy something. Buying lunch is never cheaper than making it. I can get a sandwich at Subway for $5, but I could make a sandwich just as tasty and filling for less than half of that, using money that is meant to be used for food. All during wrestling season, we make 30-inch sandwiches on meet nights for a cost of about $5, feeding ourselves and at least a couple of others who didn’t have time to make their dinner before the 5:30 meet.
No leftovers also means no Free Soup, which is a wonderful low-maintenance meal that leaves everybody full. Nobody ever gets bored of Free Soup. (Hint: Don’t ever put a piece of fish in the Free Soup, or the flavor will take over the entire meal.)
Unhealthy, repetitive food for dinner. Over-priced, low-to-middle-quality food for lunch.
OR
We plan our meals right and have inexpensive, healthy food that doesn’t get boring for every meal.
It seems to be a no-brainer. Except, I don’t have lunch today because we didn’t plan our meals and used the last of the leftover hamburger helper for dinner last night.
Update: This post has been included in the Carnival of Personal Finance.
Twitter Weekly Updates for 2010-06-05
- Working on my day off and watching Teenage Mutant Ninja Turtles. #
- Sushi-coma time. #
- To all the vets who have given their lives to make our way of life possible: Thank you. #
- RT @jeffrosecfp: While you're grilling out tomorrow, REMEMBER what the day is really for http://bit.ly/abE4ms #neverforget #
- Once again, taps and guns keep me from staying dry-eyed. #
- RT @bargainr: Live in an urban area & still use a Back Porch Compost Tumbler to fertilize your garden (via @diyNatural) http://bit.ly/9sQFCC #
- RT @Matt_SF: RT @thegoodhuman President Obama quietly lifted a brief ban on drilling in shallow water last week. http://bit.ly/caDELy #
- Thundercats is coming back! #
- In real life, vampires only sparkle when they are on fire. -Larry Correia #
- Wife found a kitten abandoned in a taped-shut box. Welcome Cat #5 #
