- RT @ramseyshow: RT @E_C_S_T_E_R_I_: "Stupid has a gravitational pull." -D Ramsey as heard n NPR. I know many who have not escaped its orbit. #
- @BudgetsAreSexy KISS is playing the MINUTE state fair in August. in reply to BudgetsAreSexy #
- 3 year old is "reading" to her sister: Goldilocks, complete with the voices I use. #
- RT @marcandangel: 40 Useful Sites To Learn New Skills http://bit.ly/b1tseW #
- Babies bounce! https://liverealnow.net/hKmc #
- While trying to pay for dinner recently, I was asked if other businesses accepted my $2 bills. #
- Lol RT @zappos: Art. on front page of USA Today is titled "Twitter Power". I diligently read the first 140 characters. http://bit.ly/9csCIG #
- Sweet! I am the number 1 hit on Ask.com for "I hate birthday parties" #
- RT @FinEngr: Money Hackers Carnival #117 Wedding & Marriage Edition http://bit.ly/cTO4FU #
- Nobody, but nobody walks sexy wearing flipflops. #
- @MonroeOnABudget Sandals are ok. Flipflops ruin a good sway. 🙂 in reply to MonroeOnABudget #
- RT @untemplater: RT @zappos: "Do one thing every day that scares you." -Eleanor Roosevelt #
Cutting Costs While Cutting Hair
About once per quarter, my wife and I have a…I won’t call it a fight. It’s more like she-comes-home-looking-stunning-while-I-make-disapproving-grunting-sounds-while-giving-the-checkbook-dirty-looks.
I hate salons.
$80 for highlights, $30 for a haircut and $15 for eyebrow “shaping”. It’s an afternoon of chemicals and hot-wax torture, for the low, low price of $125 + tip. Frugal it’s not, but that’s an argument I lost long ago.
This weekend, she tried something new.
Beauty school.
For roughly the cost of materials, she got her eyebrows “shaped” and her hair highlighted and cut by a senior student at the beauty school, under the supervision of a licensed beautician/instructor.
It looks good, and she said she had more fun during her appointment than any other salon trip she’s had. I guess there’s something to be said for interacting with someone who isn’t burned out on interacting with the general public.
What does it cost? What normally runs $125 cost just $35. That’s for a $5 cut, $25 highlighting, and $5 wax. That’s a $90 savings or 72% off. Yay!
Other services they offer include:
- Full color, cut and shampoo for $20.
- A Perm for $25.
- Mani/pedi for $24.
- Full set of acrylic nails for $15.
- Wax for $5. Have I ever mentioned that I am happy to be a guy?
- Seaweed treatment for $10. I don’t even know what this is. A buffet, maybe?
They also have a “Princess” package that we’re going to use for brat #2’s birthday party next month. It’s an up-do, nail polish, make-up, and tiara for $10 per kid. We’ll take the girls out to get made up all pretty-like, then off to the dollar theater, for a $35 party.
The school my wife visited has more than 90 locations in 21 states, but I’d be willing to be every city big enough to support a Wal-Mart also has a beauty school nearby. They don’t tend to advertise their customer services, so you’ll have to call, but for a 70% discount, it worth spending a bit of time on the phone, isn’t it?
I have two questions for you, dear readers:
- Would you consider going to a beautician trainee?
- What the heck is a seaweed treatment?
Repair Plans, Appliances, and Rancid Meat…Oh, My!
- Image via Wikipedia
We recently had our annual barbecue. (For the purists, I am Minnesotan. Barbecue means “cooked over fire”.) Due to massive scheduling conflicts, it was a bit smaller than normal; only about 20 people came. At least 10 other people RSVP-ed that they were going to make it, but didn’t. Grr.
Naturally, we had food for everyone said they would be there and enough for half of the people who didn’t say anything, since Minnesotans don’t RSVP well. That translates to a lot of leftovers. No problem. After all, leftover ribs are hardly a punishment.
Sunday morning, we woke up to find that our refrigerator was happier at room temperature than the standard “cold”. We didn’t know it at the time, but the defrost unit was borked, so the cold air couldn’t circulate from the freezer to the refrigerator. Bye-bye leftovers. Hello, Mr. Repairman. We needed an excuse to clean out the fridge, anyway, but not at the price of my beautifully seared meat! (Sadness strikes.)
Monday evening, the repairman came out, worked for 2 hours and left a functional refrigerator and a $240 invoice in his wake. Thankfully, we are on the appliance repair plan through the gas company. We pay $26.40 per month to cover repairs to our range, water heater, furnace, drier, sewer main, and refrigerator. The first four items are standard, the final two are options that cost extra.
We originally got on the plan for the sewer main. We had a tree whose roots grew into the main and clogged it every year. A backed-up sewer main is a crappy way to wake up. Getting that snaked to the street cost $200 per year. At the time, without the refrigerator, the plan cost about $12 per month. One $200 call-out more than paid for the plan for the year. That was easy math. Now, our 20 year old refrigerator has been repaired twice in the last year, giving us $500 worth of repairs for $316.80. I would like to take this time to thank all of the people with reliable appliances for subsidizing my repairs.
My furnace, drier, and range are all reasonably new and shouldn’t need repairs any time soon, but the refrigerator and sewer main have paid for the plan themselves, several times over.
Should you get a similar plan? If your covered appliances are more than 4-5 years old, I would consider it. If they are more than 10 years old, I wouldn’t hesitate at all. Repairing quality appliances is cheaper than replacing them, especially when the repair cost is paid monthly and subsidized.
Do you use a service plan?
Stand Up For Yourself
Monday night, my son was struggling to get all of his homework done before bed. He had a 6 page packet of work from his advanced math class that he was supposed to have done over the weekend.
When I asked him why he hadn’t done it, he told me he forgot about it.
I wasn’t happy.
We’ve had a lot of conversations about responsibility and planning over the years. He knows better.
Cue Dad Lecture #26.
Towards the end, when I’m building up this rocking crescendo about how what he does now will affect him for the rest of his life, I stopped.
“Buddy, weren’t you sick on Friday?”
He didn’t get his weekend homework until Monday. Of course he didn’t do it over the weekend.
Dad Lecture #26 immediately transitioned to Ad Hoc Lecture #4, titled “Why did you let me chew you out for something you didn’t do?”
I’ve always tried to raise my kids to be independent. I’ve never stifled asking questions, and I am willing to explain my decisions to them, even if they don’t stand a chance of winning the appeal. As frustrating as independent, strong-willed children can be, I know it will serve them well as adults.
Now I’m trying to figure out why that fell apart on Monday. I wasn’t yelling at him and he doesn’t think I was. Sometimes, the perception of who’s yelling differs depending on which side of my loud voice you are on.
He doesn’t know why he sat back at took the lecture instead of explaining what happened. He apparently forgot that he was given that homework just a few hours before.
My question to all of you is how can I make my kid behave and obey when necessary, but still have enough backbone to stand up for himself when he’s not wrong? And know when each is necessary.
Avoiding the Downside of Saving
Like all good silver linings, saving often comes with a storm cloud. Too often, people fall into the trap of forgetting to live while they are digging out of debt. Once you get into the habit of spending every spare cent to pay down debt, retirement, or a college fund, it gets easy to ignore the present in favor of the future. The downside–or potential downside–to saving, debt repayment, and frugality is a deferred life. Whether it’s deferred fun, deferred education, or deferred personal development, it can be detrimental to you and your relationships.
My wife and I have had this conversation. We’re in the groove on our debt repayment. We are making excellent progress right now. Since we’ve got it all automated, it leaves us time to plan, dream and consider our options. We’ve been looking at converting a hobby into a business venture. Doing so will involve a $1-2000 investment. If we can make it work, my wife will be able to quit her tolerable, comfortable, soul-sucking job within a couple of years. If we can’t, she will still have moved her hobby into an advanced–and more fun–level. That’s a win either way, but our initial reaction is to postpone. We already know we’ll have to postpone the purchases until we’ve saved for it, because we refuse debt in all forms. Our initial reaction has been to postpone saving, effectively deferring development with long-term potential to improve our lives until our debt is completely gone.
We’ve been discussing this, off and on, for months. We have finally decided to start saving, but only when we have money that is purely extra and we’ve tucked money into all of our other savings goals. It’s not a perfect solution, but it seems to be an acceptable compromise given our situation and values.
Regardless of your situation, it is important to remember not to defer your life while you tackle your debt or savings goals.
Update: This post has been included in the Carnival of Personal Finance.
Twitter Weekly Updates for 2010-05-22
- RT @MoneyMatters: Frugal teen buys house with 4-H winnings http://bit.ly/amVvkV #
- RT @MoneyNing: What You Need to Know About CSAs Before Joining: Getting the freshest produce available … http://bit.ly/dezbxu #
- RT @freefrombroke: Latest Money Hackers Carnival! http://bit.ly/davj5w #
- Geez. Kid just screamed like she'd been burned. She saw a woodtick. #
- "I can't sit on the couch. Ticks will come!" #
- RT @chrisguillebeau: U.S. Constitution: 4,543 words. Facebook's privacy policy: 5,830: http://nyti.ms/aphEW9 #
- RT @punchdebt: Why is it “okay” to be broke, but taboo to be rich? http://bit.ly/csJJaR #
- RT @ericabiz: New on erica.biz: How to Reach Executives at Large Corporations: Skip crappy "tech support"…read this: http://www.erica.biz/ #
