Got a cheap golf tip. Twilight fees at Foxcreek and Legacy in Marietta, $21, for 18 holes and a golf cart . (Even thought I really need to walk). Get out and 5 p.m. and finish before the sun goes down.
On July 17 Chik Fil A is giving a free meal to anyone who comes in carrying a cow bell or wearing a cow costume or anything related to cows to celebrate their Cow Appreciation Day…this is serious…look it up.
If you need anything like furniture, electronics, games etc comparison shop on bing.com and amazon.com first…I promise you will save hundred of dollars!
Rana, today is the first time I saw your money saving tips in the AJC newspaper. i enjoyed reading the money saving tips. Please keep the freebies listings. How often do you write these articles? Keep up the good work. I enjoy bargain hunting any time. I really enjoy reading the AJC daily,
This seems like it will be very similar to http://www.JessicaShops.com, which is the absolute best for never paying retail. I look forward to seeing what you are offering here!
It looks like Rana Cash needs to take some of that money she’s saving and go get her HAIR DONE!!!!! Also, find some makeup and and get a makeover. C’mon, sisters. Stop looking like a dang ragdoll with these ‘dos’, etc. You’re a grown woman. Put some curls in your hair and make yourself attractive. And take Harriett Cole with you; she looks like she stuck her finger in an electrical socket. Look professional and polished, not unkempt. You have a comb? Take the time to use it. Stop this.
For everyone who lives on the Southside in the Forest Park / Morrow / Lake City area, here’s one SUPER discount we’ve found, courtesy of your friends here in the AJC Sports group that got the Cash Money stamp of approval (i.e. Rana saying “Wow… that is CHEAP!”)…
The Forest Park Recreation Department offers annual passes for their gym/weight room/fitness room for these prices (cheaper than anything we’ve personally seen offered by the corporate fitness places around the south part of town):
Forest Park residents annual fee (gym/weight room/fitness room) – $20 per person; $10 per person age 17 & under or seniors 50 & over
Non-residents annual fee (gym/weight room/fitness room) – $40 per person; $20 per person age 17 & under or seniors 50 & over
Daily fee (use of gym only) – Forest Park residents $5; non-residents $7
The weight room and fitness rooms are smaller than what you’ll find at the giant chain gyms but are well-staffed, clean and nicely equipped. The fitness room was recently upgraded with brand-new machines.
That’s just one example of a sports-related community resource we’ve found that’s a steal for the area residents. But we’re sure Rana would love to hear about the community rec centers, etc., in YOUR area that offer great fitness and leisure activities for a good price (either cheap or, better yet, FREE).
I am looking forward to any help I can get in the “saving money” department.
This has always been a big deal for me and my family.
I think you look great just as you are!
Everybody is has a right to her/his own style.
I’m looking for what’s in your research ability to find the bargains.
Thanks
Cow Appreciation Day
Saturday, June 13, 2009 at 11:02pmShow your support for the cows while eating more chicken. Put on your best cow costume and join us for free fun!
Cow Appreciation Day
“Come dressed as a cow and receive free chicken!”
real brave Voice, spouting your nonsense behind a keyboard. Why dontcha walk up to the next sister on the street that you feel needs a makeover and tell her so. When you recover from that Ferrgamo upside your head, you can apologize. Until then, you’re just a troll.
From someone who grew up during the energy crises of the 70’s, it’s ingrained in to me to turn lights off in rooms we aren’t in.
I do all these tricks mentioned in this article. The other thing I do is turn the thermostat UP to 80 when we aren’t home, and at night when we are sleeping. I have ceiling fans in almost every room, and the one in the living room runs on high most of the time.
Curtains are great too. My house is so dark during the day, I feel like a bat.
I also have floor fans, one in the living room, the other in my bedroom. A little extra circulation doesn’t hurt…
I really don’t know what to do. I use some of the aforementioned energy saving tips and still my bill climbs. I am on the Georgia Power budget billing plan, but without fail every year, they raise my rates at the beginning of the plan AND in the middle, which doesn’t seem like budget billing at all to me.My A/C is very cold, so I keep it on at 82 degrees for about 2 hrs most days, then use my floor and ceiling fans until the next day and I am very comfortable. HELP.
Mamaj, give Georgia Power a call and ask them to come out and give you a free audit. They’ll identify saving opportunities for you. You could have leaky air around the doors and windows, may need more energy efficient lighting and/or appliances, etc…They can save you a few dollars that way — and it’s free.
Good tips Rana – I’m not running my a/c right now. It needs a checkup and funds are low. All your other tips are good and I am doing them already. Thanks!
My date was a dinner at Friday’s on a Friday night. I used a “Buy One Get One Free copupon”. That ticket was around $18 after tip. Then for dessert went to Cold Stone for some ice cream to go. Ticket was $11 and change. Enjoyed some melting ice cream and good conversation with the sky line lights strolling through Piedmont Park. No price on that attraction and the rest was priceless! One of my recession dates! Even without the coupon I would have been under $40!
The photo above perplexes me. It must be one of the following scenarios.First, the two males in the photo a couple and the woman miffed at the site of public homosexual affection.Maybe Secondly, the male in the green stripe shirt just left her for the guy in the white tee shirt. I guess getting dumped by her boyfriend for another guy could have a way of being slightly annoying. Either way, I guess they both qualify as cheap dates.
Tyree, I guess it’s obvious you haven’t seen the movie “I Love You, Man,” which is the movie that Rana wrote as a suggestion for a date. That’s where that photo came from.
Italian restaurants are the way to go for dates under $40. It was my favorite. Most, including Dominicks on the historic square in Lawrenceville, EXPECT you to order one meal and share it (it’s called family style). Their portions are huge. Let your date choose the meal ($13-25, order two Caesar salads ($3 each) and drinks (nonalcoholic under $4) all for under $40. Afterwards, you can stroll through downtown Lawrenceville and window shop or sit under the tree canopy near the historic Gwinnett courthouse in Lawrenceville.
Brave1, Exactly. For example, if only the Saturday or only the Sunday is part of the first weekend of a month, you’d go the following weekend. I’m told that because of lighter crowds, they aren’t enforcing the limitations that eliminate special exhibitions as part of the deal. That might change in the fall.
This just in: If you’re not busy right now, plan to go to the High Museum today from 2-4 p.m. for just $5.
I have been telling my now ex husband about wasted electricity for years. He always laughed at me so, so I took matters in my own hands. All appliances are unplugged in my house. No need for the toaster, blender, microwave, electric can opener, etc. to be plugged in when not in use. The only thing plugged in in my kitchen is the stove and the refrigerator. Yes, I take the phone chargers from the socket as well. I must admit, I was delighted to read #1 re: idle electrcity. Yep, always knew it wasn’t free.
Great article Ms Cash! I have gone on a date at a homeless shelter, and volunteered at a church on a date before. FREE, just need time and opportunity. It’s a great way to get to know each other in a different environment and see how kind/un-kind they are
The tip about unpluggin is really true. Think about the “spare bed room”: the tv in there,the clock radio,even the lamp…and nobody is even using it! I run my kitchen same as above:only fridge,dishwasher,stove,and microwave plugged in.
Look for stuff in garage: You probably dont need the drill to be charged unless it is used all time. Just charge it the day before u use it or on Friday nite for weekends.
I also am replacing my light bulbs with those new types,but they r expensive. I only change em after I have used up all my spare bulbs and then I look for coupons for the new type of bulbs. Alot of stores sell those bulbs in 2 and 3 pks and always shop around for price$.
Now if I could stay off the internet….(lol)
American Express called me recently demanding to know why I had an American Express green card that I was not using (card had a high credit limit). I told them that I called several years back to say that I was not using the green card but instead all my purchases were going on my American Express Delta Platinum card and I wanted to cancel the green card because of the annual fee. American Express representative said at that time that I could not cancel the green card because it was tied to the American Express Delta Platinum card. Well, can you imagine how quickly they agreed to cancel the green card during that conversation! I could hear the keyboard clicking furiously.
@Poor and gettin worse ~ why the microwave still plugged in? Only benefit there is to tell the time. The oven clock or even kitchen wall clock can do the same. Everyone, UNPLUG YOUR MICROWAVES!
mamaj: What you can do to lower your electric bill is by unplugging items that you are not using. For example..at my home I only have my fan plugged in the wall when it’s in use. When it isn’t I unplug it. If you have a toaster, toaster-oven, coffee pot that you are not using, then unplug it. Just because it isn’t on doesn’t mean that electricity isn’t being used.
On Oprah once this lady said her utility bill used to be about $300 a month. She started unplugging ALL of her appliances and computer when she was not using them. She said her bill was now $80 a month. So try some of those things and they may work..Oh yeah…also purchase those GE fluorescent light bulbs. I have been using them and trust me they really do work. They use much less electricity than the regular light bulbs. GA Power usually give great tips on how to save energy. I always read what they have to say.
One more thing…I am also on GA Powers budget billing and for the first time my monthly payment has gone down. Trust me – unplug your items when they are not in use and believe me when I say it will save you $$$ in the long run!
I forgot something else…I live in a Townhome and I have 2 boxes inside my home to control my air/heat. When we are upstairs, the air is turned up to about 86 degrees down stairs. When we are downstairs, the same is done upstairs. We only have the air or heat running when we are actually in that part of the house.
When I run my bath water (when I’m not in the bathroom)I turn my light off. When we are not watching television, we turn it off. If you have a flat screen tv do not choose the ‘movie theater’ option…that burns too much electricity. Use the ’save energy’ option for your t.v. It works just fine.
Also don’t forget to only have your ceilinig fan or any other fan on when you are in the same room with it.
I only turn on lights in my home when it’s dark outside. Since it’s summertime lights are usually not turned on in my home until around 9 p.m. With the exeception when it’s dark early in the morning when I get up for work…
I odn’t know WD…a date at a homeless shelter…didn’t you ask just the other day about how to tell if you were dating Mr. Cheapskate? That’d be a good first clue
A $40 date seems mighty lavish to me. Consider: picnics, walks in the park, walk the dog, Wednesday night Supper at Church, cane pole fishing from the bank or dock, ‘a wash two cars’ event, people watching, and suntanning.
I have an oscillating tower fan that I put right in front of me when I’m on the couch watching tv and I feel comfortable when the room temp is 84 or 85 degrees.
Relationship Expert: All great ideas! I put a $40 cap on it, but I think all of my suggestions came in well under that wire. I must ask: what’s a ‘wash two cars event’?
I worked from 5 years old, until I was 59. (53 years, one month). I am now 69. Did not have electricity until I was 12 years. Had out door plumbing when I joined the Navy at 18 years old. I saved for a rainy day. It is now raining. I keep my house as cold or hot as I prefer. I normally shower, but take a bath when I feel like it. I eat out 1 to 3 times per day. I drive a large car, and RV. Take long trips. I enjoy my old age. I save money where I can, so I can waste it some where else. I am glad I am ME. I wish everyone could be as blessed, (lucky) or what ever, as I am. I have great health insurance, lots of spare money. I give to those I know that need help. Good Luck, and GOD Bless.
My husband and I love to go to the Planetarium show at the Fernbank Science Center ($4/ticket), followed by dinner outside at Fellini’s or La Fonda on Ponce,
the hot water heater uses about $20-30. a month depending on what the temp is set at. i set mine to 120* and only turn it on just before a shower (heats the water in about 15 min’s) then turn it off. same when i have to run the dish washer and clothes washer. my a/c is set at 79* and i have the ceiling fan cranked to full throttle and let the wind chill factor take over. makes for very cheap comfy.
I have an attic fan and at nights or not so hot days it cools the house much better than having to use the central air. Besides it runs a lot cooler. Just make sure you have a screen over your windows or all the bugs will be sucked into the house.
If you use your CC to purchase lottery tickets, they might think ‘you’re’ irresponsible. Not ‘your’ irresponsible. ‘You’re’ is the correct word, not ‘your.’ Love the column, but yeesh! Spell check is NOT ‘proper word check.’
Does it really matter? Owe too much/ don’t owe enough, raise your interest rate, lower your FICO score. Spend too little/spend too much, raise your interest rate, lower your FICO score. Use the card too much/don’t use it enough, raise your interest rate, lower your FICO score. If you pay off your card every month, they may very well cancel the account on you, lowering your FICO score. I agree some spend behaviors are more agregious than others, but they can for any reason,not particularly because of anything you are doing raise your interest rate, lower your FICO score.
Your dog passes gas, raise your interest rate, lower your FICO score..
I cut up all my credit cards. Was surprise when one of them called me offered to lower my rate from 23% to 10% for one year. The reason being is that I had destroyed the card and they wanted to raise the rate and I opposed it. I keep send the same amount that I have always sent and since I am fixing to have another paid off it will free up more money to send them to pay it off in the year.
ABSOLUTE DRIVEL! No where does this guy cite his sources. Furthermore, for a lot of the purchases that he mentions, the level of detail is not that great to know what was purchased. For example, on his Web site, he says don’t be retreads. WTF!!??! When was the last time Kaufmans or Butler’s coded the credit card transaction (NOT THE RECEIPT) as a retread pruchase?
Don’t spread unfounded rumors that “if you buy X, they’ll cut your credit.” Show us the facts or shut up. Credit card companies don’t know *what* you’re buying, only the name of the merchant and the total amount. Any credit card companies that actually penalize customers for particular kinds of purchases are going to lose business to those that don’t.
This article’s crap. I’ve never seen a place that would accept a credit card for lottery tickets. Only cash. Most porn purchases come back as “so and so sports bar and grille”. Never seen nor heard of a credit card company doing what this article claims. My guess is the AJC was hurting for material for the paper and asked someone who normally sleeps outside on the sidewalk to come up with an idea for a case of ripple.
I do yard work, but the neighborhood I live in, like most built in the last 20 years has no sidewalks. Walking in the street means taking your life into your hands. That is when it’s not toooooooooo hottttttttttttt
Cycling is where it’s at. I just can’t seem to find the time to do it the way I enjoy it, which is for 45 minutes or more at a time. Easy on the joints, which is an issue for me. Faster than running, too, so I don’t get so bored. Can be dangerous at times, though, especially with the way folks drive.
I do my share of yard work, too, and have spent a lot of time in recent months finishing construction of a lake house in N. Ga. No question that activity has kept me in better shape than if I had not been so busy.
Thanks for the information! Another great resource for this information is http://KidsMealDeals.com – as the database is serchable by zip code, day of the week and mileage radius. Enjoy!
Scottie Dog Lover: I just called the Fox Theatre to confirm that the deal does not exclude any Publix locations that have Ticketmaster outlets. I’ve alerted them to your problem, and my contacts at the Fox are reaching out to the corporate offices at Publix. Let me know if you run into any other problems.
These are really all crappy places to eat and the nutritional value for foods at these places is not that great. Especially if you are trying to feed a young one.
Hey Marcus. Crappy? Ouch. Flying Biscuit has lots of healthy meals. You can get grilled fish/chicken, etc.. at Applebee’s, Joe’s Crab Shack and Picadilly. Salads at Atlanta Bread. I admit, it’s not the gold standard, but there are certainly some healthy options. Be on the lookout for a blog about ways to give your kids healthy snacks on a budget.
I must disagree w/ Mr.Cash.. who obviously doesn’t get out much!! These places all have very healthy alternatives!! One must remember you dont have to order the Burger and Fries… Their are fruit and veggie alternatives.. as well as chicken and fish..And in lieu of soda their are different juice and Milk alternatives… I like to take the kids to Applebee’s for their kids night!! and the portions fill them right up!!!
Marcus has issues,,,, dude,,,You can find perfectly healthy meals at every one of these places. And take a suggestion,, stay home,, the atmosphere at these places will be much nicer without your uppity self there.
No, I don’t have issues. If you take the time and READ the nutritional information or inquire about the fat/calories in some of the meals at ALL of these places (including the Flying Biscuit) you will see that your will quickly exceed what your your kids daily calorie allowance, Even using 2,000 calories as a guide for an average weight/healthy height weight kid, you’d only have 666 calories to allot for your kids meals AND that assuming that he she only ate 3 meals and had no snacks at all during the day. Juice–even 100% fruit juice has calories, milk–even 2 percent has calories!
I went through college in less than 3 years by going during the summer and taking massive overloads. We did not have AP back then. It was tough, but I graduated 2 weeks after I turned 21. My dad did a 5 year program in EE at Duke in the late 40s in 3 years. Students must know where they are headed and be willing to be single-minded in getting there, and not too many current students are like that. They should avail themselves of AP or dual enrollment. They must also have a good source of funds, no debts (like a car or credit card) that they must pay, and be able to get the classes they need (good luck on THAT at many Georgia colleges!). Put all those together and of course you can graduate more quickly. Too many parents and students don’t make the sacrifices that allow that to happen.
And I would correct your poll: most students spend far longer than four years to complete their degree. The average time to degree completion nationally is closer to 6 years.
As part of this discussion, when will we start asking the question: WHY DOES IT TAKE UP TO SIX YEARS TO COMPLETE A FOUR YEAR PLAN?
It was recently reported that upwards of 53% of students pursuing a four year program, were taking six, repeat six years to complete their bachelor’s degree. The same report laid a lot of the blame in students coming to college UNPREPARED for college level work, yet, they had A’s and B’s in high school.
Just how bad is grade inflation in public schools? In Georgia, how much pressure is placed on susceptible teachers to make their students ‘HOPE Qualified’, only to find the student lose the eligibility the first year, and incurring increased cost while in college (in taking remedial courses in primarily math, science and English).
Some would argue that the ‘four year experience’ is fastly becoming a ‘thing of the past’.
Some of those who are take longer than 4 years to complete their Bachelor’s are also non-traditional students. There are record numbers of those who are over the age of 25 going back to school and simply because of life constraints are unable to commit to a full course load each semester. There are also some students who have to take a semester or two off simply to work and save up for tuition.
With that said I do agree with you that High Schools are not adequately preparing students for college. I went back at the age of 27 and I was shocked at the lazy attitude of those who were 18-20. They wouldn’t come prepared for class and would simply try to negotiate a better grade come test time. I agree that there is simply too much grade inflation on the High School level. C = Average and most students are average.
I overlooaded during winter quarters(no footballgames) and went summers to graduate in 3 years because I couldn’t wait to get into “real life”. Years later I realized what I’d missed by rushing through. My son will start college this fall and I’ve tried to emphasize to him to “stop and smell the roses” that the “real life” I wanted to hurry up for can wait…and wait…and wait…
PappyHappy and Kristin both make good observations. The cost of college and living expenses is so high many students work part-time or full-time jobs while they attend college which may extend the college experience. Also, many Georgia high school grads must spend 1 to 2 years in remedial classes before they begin college level coursework which also extends the time needed to complete a degree (an associates takes 3 or 4 years instead of two and a bachelors takes 5 or 6 years instead of four). To illustrate this point, look at the other AJC article regarding the 113 schools in the metro-Atlanta area that failed AYP goals. Some of those schools have been traditionally perceived as “good” high schools – what a shock back to reality.
As long as your degree isn’t in basket weaving or Babylonia social structures, after college you start your employment path. This means you are beginning to make money and work your way up the ladder of your chosen field. Compared to students who stayed in school for a year (or three) more, you are much further up the food chain. I blasted through college and law school at a cost to the social experience, but since mommy and daddy weren’t paying for it…that was the breaks. I have let my kids take more time, but unless its on your dime…college is a job…not a party.
Also, remember that the schools encourage kids to take longer. They are paying customers and it is far cheaper to keep the ones you have than get new ones. I have three kids in college. Every single college counselor paid “lip service” to the “I’ll get your kid out of here in four years” mantra, however, every single college presented the kids with 12 or 14 hour bs 1st semesters…all with non transferrable “intro to my school” courses, that would have put each one a semester behind by year one. We had to literally fight to get realistic course loads.
I think the key here is, don’t go out every night. If you are feeding your child healthy at home then the occasional night out meal will not be that much of a factor in terms of healthy eating.
Marcus who cares! Please stay home and reframe from feeding your children so you want need to concern yourself with calories. I believe you have issues (Jack is right). I guess fat kid issues. My children consume healthy balanced meals at home daily; however, they love to eat at some of the restaurants mentioned. They are able to maintain healthy teeth, iron, and great athletic size. My daughter runs track, dance team, and loves basketball. My son is on a swim team, basketball, football, and baseball. What is your problem? On a serious note, let them eat and allow them to work – out ….(exercise)…. is the key. Remember eating out is not home cooking and chances are it lacks the quality of what you can prepare or provide for your children. The best option for you is to STAY HOME!
I’ve worked on my own cars for years. It seems that everytime I take one to a shop for repair, they try to screw me over somehow. IF I’m careful and do research ahead of time and while doing the repair myself I find that I come out way ahead. That said I also enjoy the work and the learning. I also already have a good collection of tools that if I didn’t have it would not be worth going to buy them for a one-off repair.
I was told they no longer print the coupons. You have to purchase them at the Publix through ticketmasters and pay the fee. You used to get coupons and use them at the Fox box office and didn’t have to pay the ticketmaster fee (Which I hate to pay)
For the ladies, take time to learn a little bit about cars. My brother and father always worked on cars so I have more some knowledge and it goes along way when dealing with potentially dishonest car shops. Love the idea of asking for the used parts. Quick oil change places are known for showing you a dirty filter that wasn’t from your car. Your car is a big investment and is worth studying.
Many years ago I dated a guy for two years who became a mechanic for an American-made (rhymes with cord) car dealership. He said the guys there would do things such as loosen bolts so that car owners would need to bring their vehicles back for more “repairs”, thus generating revenue for the dealership and keeping the mechanics employed. I once bought a Kia and religiously took it to the dealership for scheduled maintenance, but still the payments lasted longer than the car. Then I bought a new Jeep Liberty and have driven it for 6 years/163,000 miles without a single tune up and so far no problems…knocking on wood.
Jacquie, I’m so sorry to hear that. That might be the worst story I’ve heard so far. One of the key tips here: get referrals from friends, colleagues and associates. Don’t walk blindly into a shop. Check the shop’s website for reviews as well.
Fuel Pumps don’t even cost that much… it’s the labor that is killing it. I have changed a few pumps in my day. Some minor repairs can be done at home. I don’t have to pay 30 dollars for an oil change.
My wife and I owned and operated a service business years ago. Most car repairs today are not intuitive or easy. One mistake and you can get hurt or worse, much less you will spend a lot of time and money and still have a problem. If you are gifted in electrical and mechanical knowledge you can fix your own car by using resources on the web. Otherwise don’t try. Find some one to trust! If we held our Doctors to the same standards as we do our auto technicians it would be a different world. Check with your BBB and AAA for a good shop. Build a relationship with a good techncian. Dealerships are not all bad.
Don’t let a shade tree mechanic touch your car! http://www.autoteacher.net
I agree with all the comments above, people are keeping their cars longer and they need to ensure they stay running properly. That is why I have started a company called https://www.warrantyelite.com. We sell Vehcile Service Contracts/ Warranties direct to consumers over the Internet. Our product is backed by an A rated Insurance Company and allows you to take your vehicle to any dealer or auto repair facility in the United States or Canada. We will be launching the site within the next 30 days.
Actually, Costco sells tickets to both movie chains but are $14.99 and $15.99…and these tickets can be used ANYTIME! It’s a super deal. Buying your movie tickets alone through your membership year will pay for the membership itself!
Pet “insurance” is doing to the cost of veterinary care what “insurance” has done to the cost of human health care – shot it right through the roof.
Insurance is something you buy to mitigate against RISK. Shots, annual checkups, and the like are not RISK. They are maintenance. You wouldn’t expect your auto insurance to cover oil changes or the inevitable part breakage (although that industry is being equally corrupted). Why would you expect your medical “insurance” to cover it? Every time a vet (or a physician for that matter) has to deal with an “insurance” company (let’s face it, these are really pre-paid medical plans), he incurs more cost than if you just paid the bill in cash/charge. He has to pass that cost on. The next thing you know, prices are skyrocketing. Worse, because they know that “insurance” is available, they are more inclined to charge more, or because they take so much “insurance,” they have to hire more staff to deal with the miserable “insurance” companies. Everyone who enters the office, whether paying in cash or covered by this abomination will have to pay more to cover these new costs. Just look at the doctor’s offices you go to. All that staff behind the counter is never involved in caring for you. They are all just there to deal with the insurance companies. High deductible insurance with much lower monthly premiums that is designed to specifically cover calamities (cancer, major injuries, etc. in both humans and pets) would be a far better approach, but the “insurance” companies and our employers have convinced us all that we should not have to pay a penny for our own good health.
Pet insurance is the wrong direction for veterinary medicine to head. If you can’t afford a pet and its costs, don’t get one. Third party payer insurance type plans have destroyed human medicine and driven those costs out of this world, and I can tell you as someone who has owned pets for 2 decades now, the price of vet care is being equally elevated by these horrible plans.
Pet insurance is a tip to save money? The math doesn’t generally work with that IMO. If you keep in mind that animals do require ongoing care and budget for that accordingly then the ins is a bad idea.
I do agree with keeping up with their teeth and exams including heartworm etc.
Also if you have a specific breed then you may look into that breeds rescue group to see if they have a vet recommendation.
I agree with Stan on pet insurance. I thought I read that Clark Howard had recommended against pet insurance. I would also add: don’t forget that monthly heartworm and flea/tick protection for your pet. At first glance, it might appear cheaper to skip those meds, but, ultimately, prevention is less costly than treatment for heartworm, etc.
Every year of school requires more costs, and more “opportunity costs” of lost income when not working full-time. Therefore, I generally believe in a “need for speed”: to keep your costs as low as possible, finish as quickly as possible.
I recently tried a Kroger pasta sauce($1.15) and my family enjoyed it. Compared to Prego($2.20), which is what I usually buy. If you’re penny pinching sometimes it’s good to compare name brand and store brand items. It’s more about quality for me.
The insurance, may be a better option for those with older or injury-prone dogs. But I agree that maintenance can alleviate the need for costly vet care down the road.
Guess I need to be better about brushing my dog’s teeth! Thanks for posting this Rana.
I have no problem with most store brands, the exception to the rule is the Kroger brand coke and diet coke, but I think that is cause they are based on the pepsi line…boo pepsi
I buy alot of store brands. With food items, I compare the ingredients and if they are similar I get the store brand. I have run into some store items that lack quality as well as taste, but for the most part to save money – I buy generics.
I wish Kroger or Publix had a program like the Lowes Foods e-Offers progam. To bad they are only in the Carolinas. They have great store brand products that are significantly cheaper then the name brands plus they have a digital couponing program that gives additional savings. Currently they have about 130 digital coupons. Many of those are for store brand products making them even cheaper.
My father, who was a truck driver for 26 years and delivered to food manufacturing plants across the country, says a lot of the store brands and name brands are manufactered at the same facilities. So you’re getting the same products (maybe minus some key ingredients in some cases, but oftentimes not) at different prices.
I always shop at Kroger, and would recommend: Kroger brand milk, all breads (sandwich, buns), deli meats (comes in containers) Kroger Premium Ice Cream, pasta sauce, spaghetti, canned vegetables, canned chilli, cereal, cheese (deli-style that comes in a resealable pouch), french fries, union rings, hash browns, instant potatoes, instant flavored rices (or other side dishes), prepared salad, salad dressing, and drink mix (the store’s version of Crystal Light).
I won’t recommend: store brand refrigerated cookie dough, refrigerated cinnamon rolls, soda, and potato chips.
I buy lots of store brands-Kroger Cereal, Diet Dr. K (can’t beat it at .69 per 2 liter!), deluxe mac & cheese, sauces, breads, milk, eggs, cheese. This list goes on. I have yet to be disappointed.
I have really tried store brands vs. generic and have really spent time and effort to get (what I consider) real test results. I have secretly switched items on my family to see if they know the difference.
Thumbs Up Cereals: Malt O Meal cereals. Much cheaper. Now, when testing cereals of Kroger brand vs. Publix brand, the Publix brand won every time.
Thumbs Up Peanut Butter: Publix
Thumbs Down Peanut Butter: Kroger – tended to get oily too quickly.
Thumbs Up Bread: Publix
Thumbs Down Bread: Kroger & Wal-Mart (my family didn’t like them)
Thumbs Up Condiments: All scored well (taste)
Thumbs Down: While the taste was good, the Kroger and Wal-Mart brands have a higher concentration of sugar per serving.
Frozen Dinners: I only tested these b/c I try not to give that to the family. I take them for lunch sometimes. NONE scored well with me.
Frozen Veggies: All scored well. The Kroger spinach for some reason is very watery. Overall, no complaints.
Milk: Whatever is on sale!!!
Butter: I am an avid baker and I found no difference with baking when using the generic brands vs. the name brands (Land o Lakes).
Sandwich meats – Try to get the deli when available, because ALL of them, name brand and generic, have too much liquid (which adds sodium).
Salad dressing: No difference. My family could not tell the difference between the generic brand and the name brand.
Thumbs Up Paper Towels: Wal-Mart brand and Publix brand.
Thumbs Down Paper Towels: Kroger – too much lint residue.
Thumbs Up Cleaners – Publix, Kroger, Target, & Wal-Mart all scored well, except the items listed below. I tested kitchen and bath products.
Thumbs Down Cleaners: Kroger brand window cleaner. Kroger brand pine cleaner.
Now, I could go on, but the best non-name brand I have found is the Costco brand. Their stuff is very good and well priced. Since I do have a family, the bulk sizes work well for us.
I have also found, that when you use your loyalty savings along with the manufacturer’s coupons, you can come out equal to or in some cases cheaper than the generic brand. It is work to clip the coupons and match the sales, but the savings for me have been worth it.
I find that the quality of most PUBLIX and CostCo (labelled as Kirkland) store-brand products OFTEN is at least equal to – and in some cases superior to – the National Brand. The one exception I have found is Publix COOKIES (NOT bakery – the packaged competitor to Keebler etc) tend to have a bit of a hard “chemical-like” taste to them rendering them inferior. I will NOTE that I have NO PROBLEM substituting Publix Soft Drinks (12 pack of cans = $2.79) for the big name sodas – mostly prised around $4.69/12. All other products, work for me and save me money. With the National Brands – you are paying for all those commercials.
I go the big box Sams warehouse club and buy there non perishable store brand items and find they work equally as well as the name brand items. To save money I also split the annual membership with a relative too. An example being toilet paper, aluminum foil, paper towels, laundry detergent and alike. Kroger has very good dairy products, canned goods, breads, and other assorted items that cost less without any sacrifice on quality. Publix is equally as good if not superior in the dairy avenue. I actively search out the house brands to save money. For some unknown bizarre reason the only item I won’t fudge on it ketchup. I must have Heinz. Go figure.
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Guys, thanks for the suggestions. I’ve started trying a new store brand each week, and have yet to be disappointed. This week: Publix brand dishwashing liquid.
David is right that pet insurance is a risk management tool for unexpected and unplanned for accidents and illnesses. He is also right that coverage for routine maintenance procedures isn’t what insurance was originally designed to do, and most pet owners are paying for this already out-of-pocket.
However, saying that pet insurance is what is driving the costs of veterinary care through the roof is a stretch. Increase labor costs, government regulation and taxes, more availability of specialists, and increased use of higher technology e.g. digital radiography, CT scans, MRIs, ultrasound, etc is what is driving the costs of veterinary care upwards and making pet owners look at pet insurance as a way to bridge the gap between these increased costs of quality healthcare for their pets and what they can afford. There aren’t enough pets insured in the U.S. to influence these costs at this time.
Also, at the present time, pet health insurance doesn’t resemble human medical insurance at all. Therefore, there is minimal paperwork involved. As long as veterinarians and pet owners resist the drift toward the “managed care” nightmare of other healthcare professions, I expect overhead cost to remain minimal. So far, pet insurance companies have endeavored to keep the time and paperwork required by veterinarians and their staffs to a minimum.
As far as planning ahead and saving up for ongoing care, etc. – that’s always a good idea. But, it misses the point of also purchasing pet insurance which is for those things you can’t or don’t plan for.
All the tips given in the article are good tips that do work to save pet owners money. Will all pet owners who get pet insurance save money on their pet’s healthcare? No, that’s not the intent of pet insurance. But, for those pet owners who have a significant vet bill when their pet gets sick or injured unexpectedly, it can be a life-saver for the pet and money saver for the pet owner if they have pet insurance and have chosen the company and policy wisely (that’s a whole new topic).
As a person close to the field, these are some great ideas. Preventative medicine is always less expensive than treatment of disease. The insurance idea doesn’t always pan out but in the case of a metro area, it should be a good choice. Most of these articles are bashing the vet or the field. It’s nice to see one that is trying to find the middle ground.
just watched Equitrekking on TV riding horses at jekyll and sea island and visiting cumberland island national park. they hit the parks and horses. just no wine. looked like a romantic date option. on PBS.
Marcus, you’re right in that I didn’t create any events, shows, restaurants, etc…These are all suggestions, reminders of places and things people may not have thought of recently. Especially people who’ve been minding their money and have been hesitant about getting out and enjoying themselves on a date. No need to hold back. There are plenty of things to do and see around metro Atlanta. If by borrow you mean looking around and doing a little research for the Atlanta Bargain Hunter readers, you’re right on point.
Also, check out two other posts in the last two days for unique, local content that you wouldn’t have seen elsewhere — blogs on store brands vs. name brand grocery products, and the blog on tips to save money on auto repairs. Hope that helps
Rana, Thanks for the plug for Field Trips with Sue. FYI – You can visit Georgia’s State Parks and Historic Sites for FREE also by checking out a family pass at any library. We went hiking at Tallulah Falls last weekend and it was amazing.
Forgot to add the blog post address http://fieldtripswithsue.blogspot.com/search/label/Panola%20State%20Park.
Note – I confirmed with the Georgia State Parks this week that it’s NOT just Fulton County library branches that have a family pass available for check out, but ALL library branches in Georgia. Note in the post about the Free Zoo Pass too!
(1) Save walmart and Winn dixie grocery bags and either use as trashcan bags or to put refuse that might start smelling (2) Purchase 24 pack of soft drinks and take to work instead of purchasing them individually in the work cafeteria. The 24 pack is about $4.75 vs $12.00 if purchased individually. (3) Go to stores like Sav a Lot where can goods are stacked, customer service is minimal, and you bag your own groceries, that is if you want to buy them or bring those same walmart bags and use them again. (4) Get a part time job at a store like walmart for extra money and an employee discount card that saves you 10% on many items there.(5) Get a walmart or kroger gift card where you can save .03 per gallon of gas.
Rana – love the topic! One of my favorite memories of my Grandmother: I’m cleaning up after dinner and took a paper towel to clean off a plate. Grandma saw me and said “Are you a millionaire? Use one of the napkins from dinner!” The woman was known for re-scraping the bread dough after my Mom had scraped it out and adding enough flour to make a small coffee cake. And no one could pick a carcas clean (for soups and stews) like Grandma and Mom! To this day, my sisters and I will say “Yes, let’s save the carcas, but you know I won’t get all the meat off like Grandma and Mom!” Fond memories and good habits that I find myself returning to. And yes, I say to my daughter: “Are you a millionaire? Turn off the lights, use the napkins from dinner, and on and on.”
I have a never ending swwet tooth, to satisfy that sweet tooth I go back to my cildhood. My Grandmama would save leftover rolls, the end of a loaf of bread and make the most delicous bread pudding, cheaper than Sara Lee.
She would also flavor tea with some of the juice or syrup from canned fruit what a nice refreshing treat for the summer
One of the biggest ways people spend or waste money is by going to rent-to-own stores to get televisions, washers and dryers, and other items. The amount of money wasted is crazy.
Honestly, I see where Marcus is coming from. These places provide cheap meals. Often the cheapest food is the most devoid of nutritional content! As the saying goes, “the cheap is very expensive”. And, it’s not just about making sensible choices. The “Eat This Not That” series Men’s Health magazine produces makes that clear. Sometimes it’s hard to make the correct choices without the nutritional info in front of you. There’s not a restaurant around that provides that info inside the actual store. You have to go on the internet if you are lucky. A lot of times people think they are making sensible choices based on foods. Ie:Ranch Dressing versus Honey Mustard at Quiznos or a spinach artichoke dip versus Boneless wings appetizers at Applebees. And Moe’s… Yuck!! Willy’s is fresh and has sensible kids options. There’s even sugar in the salads at McDonalds!
Also, I think Marcus makes an excellent point about the amount of calories children should actually consume. I don’t have fat issues, but see plenty of obese people walking around. A serving is the size of a deck of cards. I regularly see children with larger portions than what a healthy adult should eat. Even if you divide your food in half at most restaurants it’s much more than a portion! It should say something that cars come with bigger cup holders and seats because our drinks and hindquarters have gotten too big. Happy Meals are cheap too! Would you feed your kid that every day?
It’s great that children who cheerlead and play football and are fit now. How fit will those children be when they aren’t burning Phelps-ian amounts of calories in a few years? That’s the problem!! The choices you make now for your children will lead them to eating at these places years from now because as parents you didn’t teach the value of healthy choices. I’m fine with almost anything in moderation, but dont act like these food companies are our friends.
Lets be honest… these places aren’t providing cheap kids meals out of the goodness of their hearts. The meals offer very little nutritional value and they will make their profit 10 times over on the parents. So, it’s a win win for them.
if you have prescription generic drugs, get ‘em at kroger. filing 2 generic ’scrips a month (4 bucks each) gets you 10 cent off a gallon of gas per month. buy your food there and keep getting discount(10 or 3 cents depending on purchases) for every $100 of “qualifying” purchases. most things will qualify, but some don’t.
Tango Night at Callanwolde is a GREAT date night. $15 each for class and party = $30 for a one hour tango lesson (great for beginners and “non-dancers” it builds on the basic skill of WALKING) plus light refreshments and then the real tango dancers come to Callanwolde for a “Milonga” or tango dance party. Beginners are welcome to join in, plus there are chairs for the newbies to gawk at the sexy sexy dancing.
First, let me say, how excited I was to see a message board not full of negative attacks on other people! Woo hoo! Everyone posting here is honest and friendly, you’re all awesome! I personally, could not make my weekly budget and meal plan work without store brands. I do buy a lot of WalMart brands products and haven’t been disappointed by much, other than laundry detergent. Malt Omeal cereals someone mentioned are great alternatives to the expensive box brands and I’ve got four kids who have never complained about any of them…. we especially love the Honey Nut Scooters and all the shredded wheats. I will say we like Yoplait yogurts but they’re easy to find on sale. There is a store in Canada I love to visit when I go see my mom, it’s called Bulk Barn and I’d give anything to have one here. They sell dry goods out of big barrels and you just fill bags and containers (supplied by the store so they’re clean). Anything from cereal to dog food to flour, croutons, cookies, candy, granola, detergent… you just buy a scoop of this or a scoop of that and ten scoops of something else if you need it…. the coolest part, you’re not paying for all the advertising and excess packaging. We are definitely in a period of time where we really can’t afford to be putting extra money in advertisers/marketers pockets…. I know they’ve gotta eat too, but seriously, I’m glad to see people being smart about stuff!
Rana, in response to th comments that the informatio is not always orginial content, I do appreciate the reminders, awesome suggestions of many many thrity ways to enjoy Atlanta I would have never thought of half of tips it makes me feel really good to know other people are making and effort and sharing their thoughts
Prepackaged snacks that are healthful are tough to find. Yogurt is a good choice (just watch the ingredients) Most fruit is “pre-packaged” like an apple, pear, cheeries, grapes etc. They require nothing more than a washing.
With a little extra effort and just a few minutes and “pre-package” your own snacks, which I what I try to do.
I love kroger brand food and even toiletries such as lotion and hand soap. I shop there most of the time.
@Stephanie If you shop at Kroger and use your Kroger plus card when you make purchases, Kroger will send you custom coupons for what you purchase often. They’re sent probably about once a month or so, and are extremely helpful.
I’m asking ReAnna to bake her grandmother’s goodies and share them with all of us! Actually, it reminds me of my mom taking leftover bread, adding butter and sprinkling with cinnamon and sugar for a yummy baked good.
The single biggest money waster, IMO, is not living on a budget! I swear, when my wife and I finally started living on a budget a couple of years ago it really was like we got a raise.
A bit more specific waste is eating out. We had no idea how much we were blowing on eating out. And I LIKE to cook.
buying bottled water
buying high calorie, high sweet drinks
keeping a land line when all you use is your cell
not insulating your house
cooking with gas
paying for things you can get free
running to the dr without trying to improve yourself first
anymore, buying potato chips and other types of chips
using snail mail instead of online bill paying
not carpooling
baths everyday, try every other day instead
being suckered by goodies geared to sell to children at the checkout line in discount stores and groceries
Driving a vehicle which is far bigger than you need just to feel powerful
maybe these aren’t the biggest things, but put together they certainly add up to busted
Not signing up for sites that offer free coupons and signing up to become a “member” of your favorite restaurant! The samples and deals that are offered are amazing!!
I agree with everyone on these. Great lists — MG (baths every other day?). It’s hot out here. I do have small children so I bathe them together. Personally I don’t wash my hair everyday so that helps.
My husband and I have been cooking in bulk on the weekends so we have food for lunch and dinner. Saves time and money.
One big thing we saved on, was learning how to fix minor repairs on our cars/house, etc. We saved at least $100 replacing headlights for our car. Normally, I would have just saved some time and effort by taking it to the dealership.
Letting the water run while brushing your teeth
Washing your clothes in hot water
Cooking inside during the summer causes AC to run
Not using ceiling fans to keep home cooler
Opening blinds during the day, heats up house
Using a motorized lawn mower, instead use a reel mower
Running AC on low temp when not at home
Not using a programmable thermostat
Instead of leaving coffee pot on to keep warm, pour into a thermal carafe and turn pot off
Leaving TV on when not in room
Use wind up clocks instead of electric or battery
Not closing AC/Heat vents to unused rooms
Buying bulk foods, then having to throw them out when they expire
Leaving your car running when waiting in line at the drive through
There are 6 neighbors that live on our street. We all pitched in and paid for one subscription to the newspaper. The newspaper is delivered to the first house at 4 am. House #1 reads & passes on to next neighbor. Each family has a chance to read it before noon! Then we recycle the newspaper in various ways–in the garden, tear up for composting, pinata for vaction Bible school. Also, we combine our garbage and pay for only two pick-ups instead of 6! Potluck dinners also save us time and money, plus we get a variety of left-overs for a couple more meals. We also decided to “community garden”. Everybody that contributes by planting, weeding, watering, picking, shelling, etc. benefits and no one is stuck with a lot of “extra” of one thing. Since my husband and I both work, I offered to wash my elderly neighbor’s clothes along with ours. I wash and hang on the line before work and she folds some of ours in return. We cancelled our cable and internet at home. If we want to watch a movie, we check it out from the library (who’s at home all day to watch tv anyway?). We also have checked with our insurance rep–got a 10% discount for attending a FREE defensive driving class on both vehicles!
first off, i’m not by no means in a financial crisis, but i was brought up to ‘clean your plate,’ waste not want not etc. i’ve lived some really lean times but not out of necessity but through shere dignity. i worked from the get go and realized the value of a dollar during this period. when i’m at a restaurant or even when i was in elementary school, i’d see people throw out almost entire meals for whatever reason. i got married and didn’t notice during the preliminary years that my then wife never finished her plate. at first i thought she just was full but this became the norm. needless to say , other things i didn’t observe pre-nup came to a head and now i live as i want, when i want, and i’ve noticed my three children either finish their plate or take it home. i guess my behaviour wore off on them. my point is that today’s generation is a throw away type who think that they will never have a problem past the present.
Expensive Makeup (clinique, Estee Lauder, etc) and Age-defying products
Many cleaning products (use white vinegar & water instead of Windex to clean your windows)
Manicures/Pedicures (do it yourself)
NOT using coupons AND a loyalty card (kroger plus mastercard e.g.) I only subscribe to the AJC to get the coupons and the mastercard gives me CASH back as well as discounts on gas. I saved 90 dollars one shopping trip.
Buying the latest and greatest EVERYthing (especially for kids).
Not buying store brands. I actually saw a woman with a WIC card throw a FIT because she couldn’t buy Eggland’s best with it…. I find kroger/private selection brands to be quite good most of the time.
Not being prepared – if you know you want something, do your research and get ready… when that sale hits – GRAB it. Be patient. Don’t buy on a whim.
Throwing stuff out when it can be sold (garage sale, craig’s list) or donated for a deduction.
Gym Memberships if you’re not in to heavy workouts with all the equipment.
Vitamins – who needs expensive pee… that’s all they do.
drinking ‘glam’ beers such as sam adams, imports, etc. just come over to my house and i’ll brew you up some good stuff cheap. if it doesn’t work, u can always grab sumpin outta da PBR fridgerator
I see brad had to show his ignorance and that must be mg I’ve been smelling on the train! People daily showers! these are great use a lot of them and to the person that said no cell? I have metro Unlimited local, long, text and voice mail depending on the phone you purchase you can get email and web connections I pay no more than $54 a mo. and have no house phone. I do have the problem of buying produce and having to throw it away so thanks for reminding me to cook that spagetti squash!
WTH? Ignorance? Bailing out companies that turn around and spend millions on bonuses and retreats that were not earned and that they could not afford. A president signs the biggest failure in history spending 787 billion dollars that could end up costing 23 trillion dollars that we don’t have? Right now every child born will automatically owe the government $160,000 to the government. When is enough enough?
This is just another example of republicans gone wild. On page one we’re discussing a $900+ million budget shortfall, and here the state is foregoing how much in taxes with this tax holiday?
This is PATHETIC!!! Every darn year this happens AFTER my kids have to get supplies. Does this make ANY sense to anyone??? Lamar County starts back to school on Thursday, July 30th. Who sets these dates anyway???
I agree Hassan…….with declining revenue,the HUGE state budget deficit, loss of jobs & people not really spending a lot, why continue with the tax holiday???
I agree with most of the previous statements about our tremendous budget deficits and the state sales tax holiday. I was actually surprised to hear that they were still having the tax free holiday this year due to the state being over $900 million in debt; however, I don’t think Republicans are entirely to blame considering our Congress is presently being ran by Democrats across the board and the nation is trillions of dollar in debt.
Unfortunately the plain truth is if those big companies went under, the immediate consequences would be ugly and make the eventual recovery harder. Yes, people didn’t act fiscally responsible but letting the rank and file go would be ugly. Ask someone from Flint or someone who doesn’t even know who owns their mortgage.
Back on the topic, apparently plumbers, mechanics and other types of handymen are having field days now that so many people are trying to do their own repairs. http://www.nytimes.com/2009/05/17/us/17blunders.html . Others are trying grow their own produce but end up with the proverbial $64 tomato.
In other words, start small and research before you leap.
Back to school on July 30? And I thought August 10 was crazy. I say start back after Labor Day like all of us growing up did. And end school 3rd week of June. Better yet is year-around school, but the lame GA legislators will never go for that.
Love those money-saving tips. I get a copy of the double ajc newspaper on Sundays from either Kroger, Wal-mart or Publix which contains double coupons. I also just love my area thrift stores. I even found a 10 gram gold bar for $3.65 but is worth over $300. I bought two apple imacs for about $30 each yesterday.
$1ea. – Dollar Theatre in Lawrenceville
~or~
$0 – Free Entertainment Suwanee Amphitheatre
~and~
$9.99ea. all you can eat Brazilian Steak House off of exit 6 400. I really dont want to give the name.
There’s also Venture Value Cinema in Duluth. Tickets are $1.99.
Movie tickets are between $5 and $6 for shows before noon at certain AMC Theaters on Fri., Sat., and Sun.
Comedian Bruce Bruce hosts comedy night every Tuesday at K.C. Pit BBQ in Sandy Springs. Entry is $10 at 7 p.m. (but $15 after 7 p.m.) So, getting in at 7 p.m. will leave you with $20 to spend on food.
Midtown Bowl has a lunch special from 11 a.m. to 2 p.m. for $11.75 per person Mon.-Thurs. that includes bowling, shoe rental, sandwich, and drink.
It’s all about timing, opportunity, and bargaining skills. For Example, the later the evening becomes the pliable an escort may become to reduce her rate. I assume usually after 12:30 it’s more of a buyer’s market.
The best time to buy A LOT of things(maybe not appliances)is of course the week after Christmas and the 1ST 3 weeks of January. Retailers must cycle out of all that overstocks,clearance,dated merchandise. It has to come off the books, so deep slashing of prices occurs.
Happy Hunting!
Marcus Graham should not be so harsh. Your repeated postings of how they are not original ideas helps no one. Why not post some of your ideas since your being so critical. Case in point: poor is boring and any attempt to break the scilence is great
What my husband and I do when we are tight on cash but want to do something could be any number of things such as digging through some old boxes in storage and seeing what is in them. We have found countless numbers of old photos of us. Or sometimes we will go work out in our garden and play with our puppy. It sounds typical, and dare I quote, “unoriginal”, but to entertain ones self you simply look at all the small things in life and enjoy those instead of the materialism found in more fiscally challenging dates.
It is very easy to get caught up in all the drama about the economy, health care, michael jackson’s death, etc. I am amazed at the number of ‘news’ stories about these and all the hot topics of the day. I do read a lot of news online and frequently I have to check myself as I sort thru all the drama. The one critical thing I remind myself multiple times each day is…don’t let it get to you, keep all the daily drama at least at a arms length.
Years ago I sat down with myself and had a long talk about my life. I relized then that if I wanted to live to be older I needed to make some serious changes in my life. I had to let go of many things that was bringing stress into my life. It took weeks, and even months to begin to see changes in my daily life. If I cannot control it then I let it go. That one thing will make the most difference if you are dealing with stress. It took me the better part of two years to truly bring the change I wanted for myself.
I threw away all the medications I was taking for depression, blood pressure, etc. and did not take a pill for one year. But I did wait to do this until I had gotten better control of the stress in my life. After three years I did go back to taking my blood pressure pill since high blood pressure and heart problems run in my family. But I feel great today. I still have to remind myself sometimes to keep to my pledge…’to keep stress out of my life’ but I assure you that you can do it, because I did it. Happy destressing…john
Can’t wait to let all my readers know about the Kiplinger’s best time to buy list! Since I write a blog on interior design, it look they should all be busy squeezing the last furniture deals out of July this weekend. Next month, patio furniture! Upcoming post about recent Atlanta Flea Market finds-www.highglossblue.blogspot.com!
Amen, Maggie’s Dad, well said. Congratulations on getting rid of the pills in your life, except for what’s necessary.
Personally, I am now struggling with all of this, and have made the difficult decision to quit my job. To everyone who is looking for a job, this may seem crazy or stupid. but this is what will lower my stress, help me live a longer life and have a better relationship with my family and friends. (@City Girl, getting a job isn’t the answer to everything and we already live well below our means which is how I can quit my job. Your comments are naive and part of the reason why I’m starting to avoid websites with user comments.) Stress was/is taking over my life and giving me panic attacks and other physical problems to the point where I know my health is going downhill (and I am under 40, much too young to feel this way).
Fortunately I’m blessed where my spouse has a good job that can support our family and we have enough saved where we should be fine. I still worry because if I do need to go back to work someday (things happen), it will be more difficult to get back into the workforce. But I am starting to push those fears aside as I know that I’m making the right decision.
When I’m at home, I will be able to go through our house and eliminate what is not needed, cook healthier, cheaper meals, spend more time with my family, and finally getting rid of the negative in my life. This includes reading more, learning new things and avoiding negative people and websites, which seem to be ubiquitous these days. I’m tired of everyone thinking they know it all and thinking that rude, anonymous comments putting others down are helpful to anyone. While I don’t think that everyone needs to agree, why do some feel the need to insult others? So, if anyone knows websites that either don’t have commentary or are better monitored or have more respectful, useful comments, please post them.
Good luck to all in whatever they decide is best for themselves, and I hope you find some support and good ideas here.
There are many options out there for people, and as an insurance broker for ten years, you have some sound advice for people looking to cut down on costs. I believe that regulating the industry is really the reform we should be looking at to reduce costs, and that isn’t being discussed. Why should a pharmaceutical company make a 5,000% profit on each pill sold (Lipitor is one example)? There is something criminal about this, yet the FDA enables these drug companies…here is where changes need to be made.
Maggie’s Dad? Thanx for the reminder.
Went to publix to do the usual and decided to have my blood preasure check.
First time was something like 147/103>> and no! pulse:)
Chilled for a few minutes,came back down to 137/90 and a pulse that was still in the 80’s.
I have some work to do,obviously> But! You gave me a very well thought out reminder and I am
greatful for that. I wish You and your’s the Best Mike:) >>
I’ll admit it! Totally addicted to saving a buck or two. So many people have asked me how I created my own blog (www.thespottosave.com) which focuses on groceries, drugstores and free samples. To me, a coupon is like money found. What most people do not understand is that manufacturers WANT you to use their coupons (only 10% of us do) and retailers are reimbursed for them. It’s a win-win for all!
I like bargains too and my favorite aisle at any retail store is called Clarence (clearance); but the coupons nowadays aren’t really worth the paper that that are printed on
Heck yes! Here are my coupon triumphs of the week:
Crest toothpaste = 25 cents. It’s on sale at Kroger, 10 for $10. I had a 75 cent coupon.
Loreal lipgloss = 50 cents. Regularly $10, it’s on 75 percent discount at Rite Aid and I had a $2 coupon.
Speedstick = 13 cents. It’s on sale for 88 cents at Kroger, and I had a 75 cent coupon.
Scotch bubble-wrap envelope = FREE. They’re on sale for 39 cents at Walgreens, and I had a 50 cent coupon. (No, you cannot actually make a profit this way! They ratcheted down the coupon so it was worth 39 cents instead of 50).
Anybody who owns a computer and can not find deals,discounts,rebates,specials,coupons,and anything else that would offsett the cost completely of the computer is incompetent. It would take a while to tell ya the deals I find and make. Example, last week bought some tires,Michelins, Found 2 rebates that I stacked for 130 dollar savings,Had my birthday last week,I am still using coupons and discounts from searching for discounts/freebies at restaurants.Most people would be amazed at the deals you can find on just about anything.
Couponing is just plain S-M-A-R-T! It allows you to get the most bang for your buck. It’s E-A-S-Y, F-R-E-E & spelled out in simple steps on tons of websites. All you have to do is buy the Sunday paper every week.
My dad is THE coupon guy. He organizes them in a notecard box according to the aisles at his grocery store and I always thought it was kind of intense but really awesome. Now, I’ve definitely taken up his love of coupons in the form of becoming addicted to coupon blogs. I love to find deals that I know my friends would use and send it specifically to them- it’s like a gift, except it doesn’t cost me anything and actually saves them money.
I am very frugal with the back to school shopping but, quite candidly, I think some of the supply lists are outrageous. I don’t think parents should be asked to send in reams of copy paper! I understand the reasoning behind it – budget constraints. However, that doesn’t change my opinion that it is ridiculous to ask parents to provide copy paper.
I do agree some parents really get carried away with the school supplies, but if you read the supply lists that are provided in the local stores, you will clearly see it is a two way street.
my sister overbuys her daughters school supplies at the beginning of the year when the prices are lowest and items most plenitful. She stores them in a bin at home and takes them out as needed. Wait until December to buy more wide rule paper of pencils and compare the prices.
this article said it correctly about when to buy clothes…i work retail part-time and something to remember…retail is always a season ahead meaning since it is summer time even though it is the end of July, we are clearing our shelves to make room for Fall inventory…you can get the name brand clothing for $6.00 to $10.00 that includes kids, teenagers and adults…look for the retailer with the big red star…
As a teacher I understand how frustrating it can be to receive a shopping list. Please understand that we make these lists based on what the students use in a year. As for requesting reams of copy paper, tissues, baby wipes, purell, etc., these supplies come out of teachers’ pockets. At my school the copy allotment shakes out to making 2 copies per student weekly. Teachers are doing their best to make do with what they have and we appreciate the cooperation and assistance of families!
Only one or two pencils? Really? I teach in Austell, and every day I give out pencils to kids who lost theirs or never had enough to begin with. I will agree with Rana, though, about all the fancy pencils. Plain yellow works just as well.
@Andrea: I’ve got copy paper on my supply list. Thanks to budget cuts last year, we literally ran out of it by late March. My friends from the corporate world were saving paper for me from their recycling bins. Yes, it does seem ridiculous on the surface, but it’s far more necessary than most people realize. And since the budget cuts are only getting worse, I’ll bet that we will receive even less paper from the school this year.
My husband and I like to eat out. It’s just the two of us now. Lunch is almost always cheaper than dinner. I sign up for the emails from just about every restaurant we ever go to. I got a separate free yahoo email address just for this. We rarely go out w/o a 2 for 1 or $10 off deal.
We took a grandson to Chattanooga recently for the weekend – the room was free (used a free night deal from a chain we often us on trips); went to Ruby Falls for about half price with some tickets we got at a silent auction benefit; got $2 off on each aquarium ticket with a coupon from the welcome center; had lunch at TGI Fridays with a two for one deal I had printed out at home and had the early bird special dinner ( $2 to $3 off on each meal) at Texas Roadhouse by getting to the restaurant by 6 PM. All in all pretty good.
I’m totally with you on that one ‘A!’ Being in the South, it makes no sense starting school in August, not that September is much cooler, but it is a little. With all the overcrowding and ACs going out in many of the public schools, there’s no reason to be in school during the hottest month of the year. Pools are still open and kids should be outside exercising their *bodies*. Sound body, sound mind. Give ‘em a break already. When I was little, summer ran from end of June through Labor Day, then it was back to work, school, etc. Hello people, why do you think they END the summer on LABOR DAY?
I bought a little plastic coin sorter from an office supply store. It’s near the door and I empty my pockets of spare change as soon as I get home. When it’s full, I just slide the coins into paper sleeves. So far I’ve deposited about $37 into my savings account from doing this.
Change adds up (and earns interest), time to clean out that wooden shoe!
Bank of America has a great “Keep the Change” program. Every time you use your debit card, they round the purchase up to the next dollar and take that money from your checking acc’t and put it into your savings account. They also do a match at your anniversary of signing up for the program. Since I always used to round my purchases up (to make balancing the checkbook easier) this was not painful at all. As of now, I have “saved” over $700 in this program. And no, I don’t work for BofA.
My husband and I have been emptying our change EVERY FRIDAY for the past 2 1/2 years. To date we have saved $2800 in CHANGE. It’s definitely a great way to save money.
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during my first date with my partner, i got conscious in deciding what i should wear. Well, i believe you should impress your date.when i dress up that night, i decided to wear a personalized cufflink to make an impression and it totally went well. My date that time became my everlasting date.
during my first date with my partner, i got hestirical in choosing dress to wear. yeah, because they said to impress your date.Then that night i dress up, i choose to wear a personalize cufflink to make an impression and i never regret wearing it. My date that time became my everlasting date.
I follow Savings.com aka @Savings on Twitter. They tweet deals for Jamba Juice and the Cheesecake Factory as well as online coupons for stores like PETCO, Macys and Famous Footwear.
This is very exciting trend. @CallawayGardens we give away free coupons, interact with our guests and just keep an eye out for how to improve. We want to make sure everyone has a great time and this tool allows for that.
Rita, Were the samples the mini-burgers and fries? Or even smaller than that? I’ll check this out. Definitely don’t want to mislead my readers with questionable promotions.
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I don’t have to worry about any of those things, because Obama is going to take care of them all. I won’t even have to worry about putting gas in my car, Barry’s got it.
Amen brother AH! I used to think that working hard in school (deans’ list, MBA), putting work before sloth, and paying my bills on time was the way to go. Buy only what you can afford, don’t over-extend yourself, save for a rainy day.
What a fool I was! All I really had to do was realize that Big Government will take care of us all. Tax the evil wealthy (they don’t need the money), borrow against our childrens’s futures (thank goodness – no kids myself), and just suck of the givernment teat. That’s the way to go…..
When will everyone realize that demonizing those with more money than ourselves, always looking for somoene else to carry the load, and”hoping” for “change” will just drive us into the ground?
Time to quit early – my new government car is probably waiting for me in the driveway of my government mansion, and my government-issued welfare check is sitting in the mailbox.
I am shocked at the ignorant comments that I have read here. First of all, the question was were you financially fit. I find it quite interesting that everytime someone asks about finances the President is mentioned. Let me remind everyone of something there are THREE branches of government. They share power in this country. The reason why the President gets so much publicity is because it is the only branch that is run by one man.
I am soo tired of the rants about “big government”. The government has grown under EVERY president. If either one of the persons who wrote the comments before actually listened or read anything, they would know that this administration is pushing indvidual responsiblity. The President has said numerous times that goverment CANNOT fix ALL of ANYONES problems it can be an AID to help. I stress AID. If you don’t like the government so much, then stop driving on paved roads because those are maintained by the DOT. Also, don’t EVER call 911 because a police officer might come to your door. In case you say that either one of those is a local issue, then don’t you ever buy any medicine in this country because it is regulated by the FDA or send your kids to school because that is regulated by the Department of Education.
Finally, to answer the original question. My finances are just fine. I would like you to know that I have a college degree, own a small business, a home, a car, am married and have two children. I also voted for the President. One final note to those who laugh at welfare it was a Democrat that did the largest reform on the plan in history.. Bill Clinton not to mention that the last SURPLUS was under his watch.
Yes our house is in order. We live below our means. We have emergency money, significant savings, vacation money, and a great retirement plan. We have never desired to keep up with the jones’. We own our home, our cars, and our investment property. We did this thru hard work, education, sacrificing, and careful planning. We have no expectation that anyone will bail us out of anything.
Not sure. When we asked about the mini burger and fries the person seating us said that the deal was that if you ordered something you would get free “samples.” Not sure what that meant because we said we would just come back another time and we left. Didn’t want a mini-burger and fries on top of something else (which we would have to purchase).
Specific examples? How about the fact that the plan being passed by the House will impose a Surtax on people making more than $350k a year? How about the fact that the CBO says that the plans can’t possibly succeed and pay for themselves (BO’s original promise) without even more taxes being levied, including taxes we will pay on the benefits we receive today and even taxes on soda pop? How about the fact PrezBO’s plans for the environment (cap and trade), the stimulus, and the nationalization of the car companies and (soon) major banks are ALL expected to raise the deficit, drive inflation, and take more money out of your pocket?
Look, I’m not GOP or Dem, Blue Dog or Red Devil. But I’m alarmed at the growth of government. We are creating even more of an “entitlement nation” than we had before (and that was bad enough), and we are all asleep at the switch.
I’ll leave you with two famous quotes (paraphrased somewhat)
1. That which governs best, governs least (Tom Paine)
2. We get the government we deserve (ADT)
Barry knows that capitalism is evil ’cause then lazy people can’t get ahead. He knows that lazy people deserve everything hard-working people get. Word, people.
Who cares…with all this stimulus and the ObamaCare plan, the Obama Socialist nation will emerge and none of us will have to work, pay bills or any of the icky stuff…HURRAHH!!!
Obama as pres sucks the big donkey. We have a jackass trying to ram bills thru Congress, playing Mr Niceguy and lying to us all. Obama should never have been elected. This is a very scary and sad time for the USA. Obama may well bring all our financial houses tumbling in on top of us.
TDT says: “I am shocked at the ignorant comments that I have read here.”
Really? You must be new here. You’re assuming that the nameless, faceless characters behind those posts are educated, rational human beings. I made that mistake at first too …
I dont why yall be hating on Obama. He done done more for us brothas and sistas than them Bushes ever done for us. He be the presidint now and for the next 4 years.
Hey guys,
The question of the day is: Are you financially fit? How did you get on track? How do you stay on track? Perhaps you have suggestions or thoughts that would benefit other readers.
My fiscal advice to anyone with the ability is to move to another country. Obama is killing our economy. The jobless rate is skyrocketing and all the government does is keep giving away more money to everyone except responsible people.
And Rana Cash – Nobody can be financially fit when Obama’s killing everyone’s ability to stay employed. He’s destroyed our economy where everyone is downsizing, be it the cashier, factory worker, or white collar job.
As a mom of a kindergarten student, I don’t understand this tax “holiday”. So, I get to go all hog-wild filling up my cart with cheap clothes made in China, the schools don’t get a dime, and then I have to go out and buy $100 in school supplies.
AND you don’t have to spend it on kids. Heck – you don’t even have to have kids to participate. In fact, you don’t even have to be a GA resident – so happy shoppers are coming in from other states. And how many of these retailers are even based in GA? The profits are going right back to Minnesota, or Arkansas, or NY or where ever. (I mean, please tell me Purdue is getting some kind of kick-back or campaign contributions – please tell me someone did the math, somewhere.)
20 years from now this will be looked back on as a total joke – just like GA’s water “plan”.
No thanks. I am sitting this one out – conscientous objector. (Fear not, retailers – you won’t starve because of me. I’ll do my shopping on Monday.)
The legal age to borrow money without a cosigner should be 21. To many college students get crazy with the credit card offers. Also those helpful cosigners should be notified if the account is late.
I have a similar, but not identical home address, to someone who skipped out on his debts. His creditors are calling me constantly. I think they are putting a partial address into whatever search engine they are using and the search engine defaults to my address and phone number. I am always careful to disavow any knowledge or responsibility for this person. One of his skipped obligations is his natural gas. AGL did cut my gas off in error. I had to get the PSC involved to get my gas back. However it is also his credit cards and other utilities hounding me. One creditor threatened me. I invited that creditor to meet me in person with my attorney. Invite not accepted.
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Yep, waders are exempt. And what kid would want to go back to school without: lingerie, steel toed shoes, snow ski suits, a new shawl or wrap, or a brand new pair of garden gloves for that really chic look?
The idea sounded good when they passed the law…give us a tax break at ‘back to school’ time. But that list is downright ridiculous!
I was at work and got a free Chick-fil-A sandwhich when I bought a Coke from the vending machine! I’ll buy a lot of Coke’s if it means I get free lunch!
Here are some good tips:
1) Never leave anything visible in your car. ANYTHING! People will break a window for a quarter, a chip bag, candy wrapper, and of course actual good stuff like cell phones, cameras, GPS units, briefcases, laptops, clothes…
2) If you have a flat screen TV on your wall, do not leave the blinds open for the world to see. It is a top-stolen item right now.
3) If you live in a neighborhood without garages and you go out of town, have a neighbor (with more than one car) park in your driveway.
4) If you are out of town, have a neighbor pull your trash can up to the house after trash pickup, so it does not look obvious that you are out of town. A trash can sitting out alone when no other homes have one sitting out is OBVIOUS.
5) Have your mail picked up by a neighbor when you go out of town, or ask USPS to “stop” it.
6) Interior lights on timers.
7) Porch lights on all night every night, and consider installing a light that shines on your car (if you don’t have a garage) know your neighbors and be sure they know you. That way, if a red truck pulls up outside your neighbor’s house and they don’t drive a red truck and you know they are not home, call 911 when you see them go around back behind the house, because they are about to break in.
9) Don’t ever talk to the “kids” selling door to door stuff unless you already know the kid. Often, they are casing your house to see behind you as you stand at the door, and they will be back later to rob you.
“Sandy’s” Tip number 8 above is the cheapest and best one of all. I have neighbors that some might consider “nosey.” But I like to think that my (mostly retired and home alot) neighbors are looking out for all of us as they glance out their windows during the day, and note the “repair people” or other trucks that come and go.
Nosey? Maybe! But better safe than sorry! Ask those same neighbors to remove your newspaper or packages from your lawn if you’re gone for the weekend. Invite them to sit on your deck, park in your driveway, weed your garden! You can return the favor when they go on vacation, and everybody’s safer for your efforts.
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Dear Ms. Cash, thank you for this list of freebies. My husband is a school teacher and we are always looking for ways to do things and save money. We are most interested in going to The GA Aquarium; (we have never been)do you ever find complimentary tickets for the aquarium? Thank you very much for all you do. Gloria Nelson
Thanx for the heads up, Rana. Just scored 2 free tix to Dierks Bentley @ The Tabelnacle!
And I’ll make sure to bring my AJC to the Flying Biscuit next Sunday.
I am an IT recruiter with over 20 years in the industry, and Trina has certainly accomplished one thing – she has guaranteed that she will not be working in the IT field for some time.
She does have name recognition within the industry now – NEGATIVE name recognition. On a conference call today, a co-worker noted that she had actually seen Trina’s resume – she actually and proudly claims her 2.7 GPA and attendance record on the resume! Sorry, Trina, but a 2.7 for a new college graduate is not going to cut it in any job market, much less during a major recession.
By the way, your college is not actually what we in the IT world consider a reputable, honorable institution with a solid track record of training IT professionals. We sort of see it as a diploma mill.
Maybe you should sue yourself for bad judgement. Or sue your Mom – she is “supportive” of you after all.
I had to learn my lesson the hard way but looking back it was always about networking. The best jobs I ever had came about from who I knew and the relationships I established. I don’t think a college is obligated to help find you a job but colleges should help students keep it real about identifying opportunities, especially in this type of job market. Students should be taught to establish and maintain relationships from day one.
Um, if she’s mentioning her 2.7 GPA on her resume, perhaps a resume writing service is in order. Your GPA should only be included if it was exceptional (hint – I don’t include my GPA and it was 3.4). And even then, it’s not as if you’re going to be graded on the job, so they’re looking more for skills not grades.
I do NOT think she should sue, it wouldn’t be right, even if she won. The school isn’t responsible for her lack of a job; it’s responsibility ended with her education. If the school said she was educated (gave her the degree) and she was not actually, then she might have some valid basis to sue it.
Uhhh… Fulton County taxpayers support the ASO through the Fulton County Arts Council (FCAC) .
First come first served wouldn’t be entirely fair since Fulton County tax dollars are what actually pay for programs like this.
“The mission of the Fulton County Arts Council (FCAC) is to enhance the quality of life of all citizens through support of the arts.
The FCAC assists the Fulton County Commission in the development of public policy on public support for the arts industry, makes recommendations to Fulton County Commissioners on funding the arts and generally oversees the development and implementation of publicly assisted programs that address the diverse cultural needs of Fulton County’s citizenry.
Fulton County and the Fulton County Arts Council are dedicated to the arts for the passion they inspire, the quality of life they afford us, and the economic impact they make.”
This is one of the many reasons I love living in Fulton County…
Students can also find textbooks (current and older editions) in their libraries–for free. If only older editions are availiable, speak with the instructor to see if using a previous edition will be fine. Most older editions are the same, minus a chapter or two.
Definitely a good idea to get the ISBN number. Professors are always willing to give titles, editions and ISBN numbers in my experience, and they can usually sympathize with the ridiculous prices at the bookstores. Definitely also a good idea to ask about older editions, usually the pagination is all that is off. Relying on the library to have the texts isn’t always a good idea though. I suppose at bigger universities they have lots of copies, but I know at my smaller school there is usually only one copy of the book and it’s on reserve and can only be checked out for a couple of hours at a time. It also never hurts to post on a school message board / bulletin board and see if you and another student can trade books for a semester or just borrow the book.
While several valid points are made in this column, readers should be aware that buying textbooks isn’t always better or cheaper. Students also must consider the “value” aspect of any transaction.
At least a passing mention should be made of the dangers and uncertainty of purchasing or renting textbooks on the internet. Often the lowest price found online is misleading (what about shipping costs?) and may point a student to the wrong book, wrong edition, or a book in poor condition or missing required supplemental materials. (Unlike with general book titles, the value of ISBN as an accurate identifier of course materials has declined significantly in recent years.)
In addition, the standard for identifying the condition of a book is self reported on marketplace sites and a seller’s definition of “slightly used” might be quite different than the buyer’s.
While it is possible to find the correct course materials from online sources, it is important for students to understand that their college store is the only source that guarantees them the correct textbook and accompanying supplemental material that a faculty member may require (new OR used). College bookstores also have clear, plainly documented return policies.
And then there’s the buying local benefit. When a student makes a purchase from the campus store, they can be confident that a portion of that price will be returned to the campus through scholarships, paying the salaries of student bookstore workers, etc. This can’t be said for money spent at an online site with a company based halfway across the country.
Listen, I’m not saying that in all cases the college bookstore is cheaper, but neither is it always more expensive, as seems to be the claim in this opinion piece. A recent study by the Florida Office of Program Policy & Analysis and Government Accountability found that students purchasing new college textbooks online saved an average of only $2.15 per item. In fact, online prices were HIGHER for 27% of the textbooks examined by the study.
When I went to college, more than a few of my textbooks were written by the professor who taught the class (talk about conflict of interest and feathering your own bed!). They had an uncanny habit of revising the textbook every other year and requiring the current edition. Sure, nothing really changed from edition to edition, but the checks kept rolling in.
Best advice, make sure you know EXACTLY what you need to buy, then begin shopping. Chances are great that these folks know exactly how to force you to pay the most money possible.
Thank goodness the internet universities are on the rise and driving a stake into the heart of these marble monuments to massive waste that pass for institutions of higher learning.
Charles, Thanks for the helpful tips. Comparison shopping is a basic requirement here. That includes checking out your campus bookstore, and bookstores in the immediate vicinity. The sooner you know which textbooks you’ll need, the more shopping around you can do.
I neglected to include libraries as another option. Of course that means turning the books in every few weeks, which might not be too convenient.
I agree comparison shopping is the key..You have to check many places to get the lowest prices on books or textbooks. Here is the blog which has good tips for this too:
I have always been frugal – must be the Scot in me – with coupon cutting (well worth the $2 Sunday AJC) and being part of Kroger Plus club, but since being laid off, I have had to really step up my game. I changed car insurance companies, even though I had had the same provider for nearly 20 years. I was fortunate to find a referral from my GSU Alumni Association for Liberty Mutual, and now my car insurance for myself and my oldest son is half what is was, without changing any of the coverage and increasing the deductible. I had checked into AARP, but their referrals were about the same as my previous provider.
I am blessed to be able to do a lot of DIY services myself, with the exception of major electrical projects, and have taken over the landscape and cleaning duties that were once paid to others. I am available in the Kennesaw Acworth area if someone needs a solid handyman.
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I would say that skating is more akin to falling off a bike I recently went with my wife and it was fun but rentals suck a lot more than I remember. My wife goes during the week at lunch for exercise and has her own skates. For me it was like rolling in wet sand. I did score MAJOR points for going with her and not complaining about it.
Great article! Rana your comment about comparison shopping is exactly right and doing that has saved me a lot of money over the last couple semesters. There are websites that do the comparisons for you, which saves time as well as money. I use http://www.campusbooks.com to find the best deals. They even show rentals and ebooks as well as used and new books. Thanks for a good article. I hope all students realize that they have choices if they just compare!
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You can also check out http://www.DealOz.com , DealOz compares 200 bookstore prices and free discount coupons too. Their coupons are valid and have saved over $500 on my textbooks.
i subscribe to bankrate.com. it’s a comprehensive site covering all aspects of banking. they give you info that is necessary to make an educated decision involving you money. check it out, it’s free.
We just moved a bunch of accounts to a wonderful new community bank across the street from The Forum in Duluth — The Piedmont Bank. They also have an office in Lawrenceville (formerly The Republic Bank). It’s kind of like the old TV show “Cheers — Where Everybody Knows Your Name!” Great service and they pay top rates on Money Market Accounts and have a 1 year CD that pays 2.75% (it’s funny to think that’s even worth noting!).
I like Bank of North Georgia. Backing of their parent company Synovus gives them the advantages of a big bank without losing the community feel of a smaller bank.
I don’t get the appeal of the small town bank. Obviously if they have the best interest rate that’s one thing, but I’d rather have a bank that’s on every corner. Seeing the same faces, everyone knowing my name and stuff like that don’t matter to me. With direct deposit, check cards, and ATM deposits I never have to see anyone and I can take care of my business 24/7.
My bank is Wachovia by the way, but I’m sure you could get the same stuff at BoA, Suntrust, Chase, etc…
I have always been good with money, but since I bought my house here in New York, I’ve been extra frugal and my friends and family have been nothing but 100% supportive. I suppose it helps that when I did have more discretionary income – as my income rose when my career took off – I was generous: buying drinks, giving free advice, help, lending money, etc.
Friends should be supportive! That’s their job. If not, then they’re not friends.
I think it’s very cool to be frugal, but then again I bought my first house when I was 24, while all of my friends were in apartments. Recently it’s become more acceptable to be frugal due to the economy, but I think we still have more to do.
My friends are thankful when I bring a coupon to share at lunch, but I’m the only one who has made an effort at a garden and makes my kids lunches every day (although those are also to be healthier as well as frugal). I bet I am also the only one who reuses plastic baggies (at least the ones that only hold crackers or other items that aren’t messy). The only one that I’m still trying to get on board is my husband who eats a lot of lunches out, although he claims it helps with networking.
It doesn’t bother me that I make an extra effort because it has enabled me to feel comfortable with quitting my job to be with my family. I’m looking forward to staying at home because then I’ll also have more time to make cheaper, more healthy meals and use coupons more regularly… a win-win all around!
Don’t let others try to make you feel bad in saving money. I think it only goes too far if you don’t make an effort with making everyone comfortable. For example, don’t agree to go to an expensive restaurant only to order a cup of soup and water. Be creative and have fun, and save some time to enjoy your growing bank account!
I have always been frugal with money. I have at least one day out of the week where I spend no money even though I am out and about. A lot of times it’s just mindless shopping, but that all adds up in the long run. My family and friends are asking me to help them better budget their money especially in these tough economic times. You’re right, frugal is cool!
For many years I was a single mother of 3 – and I had to stretch every dollar – I think women like the idea of a good bargain – so my friends and I play a game we call “I NO PAY FOR THAT” – coupons, bogos, early bird specials, internet specials..wherever we can get a deal!!
Growing up my mom had only a certain amount she could spend on groceries – she clipped coupons and the money she saved she would put in a jar – at the end of the year she had hundreds of dollars…
First and foremost, it is rude to talk about money. I don’t think it is anyone’s business to know how much I make or what my current financial situation is or vice versa. Talking about saving money and the current economy in general is fine.
IMO, some have taken frugality a bit too far. Overkill to the point where it’s all consuming and unhealthy. Everything in moderation. No lectues or finger pointing.
I think the problem with frugality today is that tomorrow they will be back to overspending when economic times are better.
I have no plans of ditching the landline primarily because of the safety issue. If an emergency were to occur, and any of us had a problem telling the 911 operator the address, with the landline the 911 operator can easily determine the address. That is not the case with a cell phone. For that reason alone, the landline is worth the $35/month I pay for it.
My dad always said that we should keep a landline in case (God forbid) something really bad happened and we couldn’t get cellphone signals. He said the landlines would continue to work. I don’t know how true that is, but it sounds plausible. However, because of my tight budget, I stick with just a cellphone. I’m rarely home, and at the moment, I fear having an emergency (car accident, getting mugged, etc.) more than I fear some major catastrophe.
No landline for us. With a 45+ mi commute for me and about a 30+ mi commute for my wife, I feel justified in keeping hte cells and dumping the landline. Esp since the phone co doesn’t want to allow you get the cheapest phone line. To get the truly bare min landline you really have to push for it.
The problem I have with cell only is my wife made a bad choice on her “free” upgrade phone last time and it is dying with a few month till she can get another. and the ATT store doesn’t really sell phones…
First of all, where are you shopping where as these snacks are about $1 per serving. Popcorn? Ants on a log? Yogurt? Eggs? If this is costing you more than 30 to 50 cent per serving, you’re doing something wrong. Now, with that said…..
these are great suggestions! (Except the pita pizza, thats kinda filling for a snack. I can’t imagine a kid eating that and still having room for dinner a couple hours later. Maybe a teenage boy…..)
And Kroger has Lunchables on sale for 10 for $10 this week!!!!!!!
Thank you for the discounts. They are very helpful for us older folk. I also find http://www.seniorsdiscounts.co.uk useful when traveling, especially as there is no joining fee.
BUYER BEWARE!…YOU GET WHAT YOU PAY FOR…LIBERTY MUTUALS CLAIMS HANDLING IS HORRIFIC…i deal w/ them regularly;out of the big companies there is no worse…close seconds are progressive and allstate…STAY AWAY FROM THESE COMPANIES…if you choose to go w/ them to save a little $,you will regret it when a claim comes up,especially a large claim which is typically the very reason you purchased the insurance policy.
Been with Liberty Mutual since I started driving in New England in 1966 – Never had a claim that was a hassle – The agent here in Peachtree City handles both auto and home for us and calls about once every 12-18 months to review and see if there are changes.
As an independent agent I have a lot of insight. What independent agents are able to do that a captive agent (State Farm, Allstate, Nationwide, etc..) cannot is shop your insurance upon request. We represent a multitude of companies and can determine which best fits your needs. As for saving, the multi car and multi policy discounts can really help. Taking a defensive driving courses and having a clean record also help.
A lot of the companies we represent are using an insurance score to give discounts. Essentially an insurance score is a combination of your credit, loss history and driving record.
If you are concerned about claim service then check with J D Power.
I am insured by Liberty Mutual. I love the service they are providing for me and my family. I have had one claim at it was handled exceptionally well. I wanted to go back to Travelers in the future, however I think I will stay with Liberty.
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I tend to do like Stan and make my own “snack size” treats for my son who is five. I make our own trail mix – containing almonds, Craisins, some Gerber Graduate sweet potato snacks (he still loves them) and goldfish. I buy all of these items in bulk (less pricey), then mix them up and make our own baggies to take to school for snack time or to have around the house. String cheese is a great option, as well. Yogurt is always a hit at our house and often we freeze it with a popsicle stick and it’s a creamy frozen treat! Nutri-Grain bars are good and easy on the go snacks, as well. Also, try edamame – shelled.
I have been with Liberty Mutual since 2001. I have had claims and they have been handled quickly and fairly. Per Richards comments-You do not have to deal with the major carriers if you choose not to. My choice is to work with a finacially sound company and you make me question your ethics for doing the right thing if you are downing the companies that are sound and fincial. Brokers get to play middle man but I choose to deal with a captive agent that knows all of the procedures of the company inwhich they are employed with.
I work for Liberty Mutual Insurance. In regard to “reservoirDAWG” and “Richard dodelin” I would encourage them to look at Liberty Mutual’s rating from A.M Best Company. (they independently rate insurance companies) an Liberty Mutual has an A. I strongly believe in our customers service and claim departments and apologize for anyone who had a negative experience with us. However, it seems the customers above have good things to say and the independent agent and Richard dodelin, who does not say he personally had a bad experience, might be trying to persuade customers to insurance companies other than Liberty Mutual.
Nick, I have nothing bad to say about Liberty Mutual. As a matter of fact we have many commercial policies with them. My point was to talk to an independent agent as we not only have access to companies like your’s, but also many others that may better fit a customer’s needs.
I usually slice up an apple,some cheddar cheese, and 2 rectangles of a low-fat cinnamon graham cracker after getting my daughters off the school bus. That holds them until dinner a couple of hours later.
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Yeah great idea if you go somewhere that allows things like this to happem. At most major Universities in the State, you can not hang things on the walls let alone paint them. Georgia State does not even allow you to take their supplied furniture out of the room so to do all these things would be nearly impossible given the obstacles in the room now.
This is for some fantasy design school not college…
Actually, this was room was done at UGA in ‘07. Many schools will let you paint the walls — as long as you re-paint with the original color when you leave. The flooring is simple and can be done because it doesn’t adhere to the floor. You can also use area rugs. The hanging lamp requires nothing more than a simple hook; you can also use string lights. The cube ottomans? You can do that anywhere, even if it’s a tight squeeze.
The table and the loft might be trickier, depending on the school and what it allows.
Throw pillows? Lamps? Comforters? Plants? Photos? Posters? These are within reach for most college students living in dormitories. And they don’t cost a whole lot.
Let me add the sofa to the list of “stretch” items, along with the loft and table. Wouldn’t have fit in my dorm room. But having a nice, comfortable chair — something other than leaning against the wall next to your bed — is a good idea if you can swing it.
there are a lot of cheap ways to decorate a dorm in a way allowed by the college, but these are not them. colorful bedspreads, lamps (taking away the glare from overhead flourescents) and throwrugs are the best ways.
Paper route as a kid. In graduate school I started my own advertising agency with two other grad students and handled all the advertising for a local car dealer, plus did some small one time projects. We didn’t get rich but had experience and a portfolio when we graduated. Also in grad school, did product sampling in a new grocery store and telephone polling in the political science department.
Webbie, which place are you referring to? The ‘Funny Farm’ is now “Laughing Skull,” located at the Vortex on Peachtree. I often post ticket deals there; last weekend, for instance, was buy one get one free with a promo code.
What dorm rooms are they looking at… How in the world do you put a dining table in the room. Why would you build a loft in a dorm room? It’s hard enough trying to get your groove on in a regular dorm bed, now you have to worry about falling on the floor…
Whatever happen to the local carpet store selling carpet specific to your dorm and hanging a few pictures from the wall with 2 sided tape…
Why not actually do some reporting and go to a real college campus in Georgia and see what real students are doing to make their new homes more comfortable! This article is totally unrealistic! There ARE a lot of good ideas out there that don’t involve painting and putting holes in the wall, so please don’t waste the reader’s time with something that can never be implemented.
Some schools offer the option of the student purchasing a loft bed. I did so in 1989 at VA tech. My roommate put her bed under mine and we were able to fit a futon in the room. It came with a small table and we used it as a coffee table. Some things can be done. Depending on how the window is shaped, you can get a tension rod and hang curtains. Depending on the size of the room, you can get an area rug that covers almost the entire space. Remember, a loft raises the bed and allow for more floor space. I have seen it work.
When my daughter is accepted to the college of her choice, one thing we will do is visit the dorms before school ends the previuos year and get some decorating ideas. You don’t have to spend a lot of money but I want her to feel comfortable in her new home.
Rana! Kudos to you and forget about the negative comments. I love it. I had a loft (yes Keep it Real!) back in 1984 at UGA…my roomate’s father designed and built it for us in our Reed Hall dorm room and it just about doubled our living space. We each had our bed and the telephone ((corded in those days) on a shared table area “upstairs” that connected are beds which were on separate sides of the room. Our desks were under our respective beds thus giving us plenty of extra living space. I’ve got two teen daughters and they are looking forward to making their first home away from home their own… even though it will be their dorm space. Fabric covered or painted wallboard/thin plywood/even scrap cardboard boxes taped together will work when painting walls isn’t an option. Two sided tape is a must. Stock up on plenty when moving in. I see the dining table as being a great substitute for desks. Choose one or the other. I think the table makes things more homey and civilized even though I ate at the dining hall or out most of the time. Lighting options are so fun these days. I think Rana made excellent use of the money spent. She wasn’t saying to spoil the kids with a lavishly furnished condo. She is showing how to glam up your dorm…good grief JJ. Some people need to lighten up and enjoy the “paper”. Keep the decorating ideas coming
I hear you guys loud and clear! I’m updating the blog with ways you can turn Brian’s ideas into ones that suit your dorm room as well.
Whether you have a spacious room and a college that’s pretty lenient when it comes to this, or one that’s smaller and a bit more strict, the concepts here are applicable. Also, be sure to click on the links at the end of the post. More great ideas in each one!
A good show to watch is Design on a Dime…Joy can show you how to redo a room under $500 or rearrange furniture! I wished we had HGTV when I was in college!!!
We found an big old wooden wire spool from one of my Dad’s construction sites and glued a piece of luan plywood on it. Three coats of polyurethane and we had a nice round table for the center of the room. Thing did’t cost $20. That little table saw a lot of use. As far as hanging stuff on the walls – posters held up with blue-tack. My roomate found out that a beer cap would stick into the popcorn ceiling so he went nuts putting designs up there with beer caps. To think there were three of us in a space about the size of my walk-in closet.
Great ideas….I always decorated my dorm while I was in college…actually won 2 years inthe row for best room….I couldn’t paint the walls but my room mate (3years straight) would use a variety of tactics- we did hang nails (even though u clndn’t) nothing spackle doesn’t fix at the end of the year. We had a loft and lighting….we even had pets…rabbits and hamsters (no these also were not allowed)..but who followed rules in school…lol…Underneath our beds we made took regular throw pillows- some found at home and thrift stores and made cozy spots to chill…we did have a couch and desks…but who used desks anyway…they were to hold onto our other no suppose to have items such as a hot plate….Our goal was to hava an environment where we felt at home…plus be able to get our work done….why not…all the stress you can go thru in college…you need to come home to place of your own….I could not imagine keeping my room plain jane all thru the years…. Rana- good light article….
I need an interior decorator to fix up my apartment, does anyone know any in the Atlanta/Smyrna area with decent rates? Ill be looking for your response. Thanks
My daughter is at West Georgia and you can’t remove any of the furniture, the ceilings arent hig enough to build a true loft. You can bunk the beds but it’s tight. Concrete blocks aren’t really toe friendly in the middle of the night. You can’t paint or really hang much on the walls without doing damage and losing your deposit. Who’s going to lay vinyl flooring on top of vinyl flooring? There is no room for a chair for guest. I’m not sure where you would put a dining room table…on top of the bed??? Cube ottomans…I think my daughter has about 12″ of space between the beds when they are pullled out. Lighting…she is a itty bitty desk and an even smaller dresser. We squeezed in a task lamp and that’s it. I don’t think we even had space in the power strips for designer lamps after the laptop, printer, task lamp, cordless phone, hair dryer, phone charger, iron and whatever else is needed. Tray tables were a neat idea but who eats in their dorm room like that? Don’t skimp on the comforter but you found one for $29.99..who wrote this article? Most of the dorm rooms don’t have closet doors so you can’t hang anything over the door. The main door is shared and who wants to look at anyones shoes the whole year? I think the throw pillows are a good idea but nothing new. These ideas aren’t even suitable for a student in an off campus apartment. The paint should have been the first sign of trouble from this designer. What a moron. He really missed the mark on this.
well a pic is worth a thousand words, no photoshop here. part of college is being creative, dont spoon feed your kid, they will be more popular if they a doa cool room on there own….
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This article made me wish I was 35 years younger and able to go back to college. I’d certainly do some things differently, like have more fun. I was Ms. Studious and Ms. Church-girl. I also was broke (poor family), so all this “stuff” looks great. My experience was a bare-bones dorm room. My conduct paid off; I have money now. But a few months of fun college living would be good. I like academic settings.
My husband is in the car business and Cash for Clunkers has increased sales. It is a good for the county, federal and state income taxes. We had always planned for slow months in the business but nothing could have prepared us for the last eight months. It was a much needed boost to the struggling auto industry.
They should have made it where you got more for your clunker if you bought a new car made by GM, Ford, or Chrysler, the domestic manufacturers. Even though some of the foreign cars are assembled in the US the economy benefits more from the sales and profits of the American three.
Stealing money from one group in society and giving it to another is not only immoral, but the belief that this transfer of wealth in any way made the overall economy better off is patently absurd.
Socialism has already been shown to be a failed economic system. For some reason, americans are too stupid to have learned, or are too enamored with the idiots they elect to figure this out. I guess they think that somehow americans are so great that they can repeal the laws of economics, just by clicking their heels and hoping things will magically work.
Yes, while car dealers and the local tax wasting authorities are now flush with cash, the value of the dollar has been reduced for all americans and prices for everything will certainly be rising as a result.
Russ, the only way the economy benefits more from the sales of the big 3 cars is that they break down more often so owners have to spend more to fix them than the better made foreign cars.
The bottom line on all cars sold in american is that they must be over a certain percentage of parts made in america to avoid the tarriffs. The big 3 use as much imported material as will benefit them financially as do the foreign car companies.
The big 3 have already benefitted way too much from decades of tarriffs and other subsidies. And what have they done with their benefits? They continued to produce gas guzzling, poorly made, short lifed vehicles that nobody wanted. These benefits have already cost the american taxpayer plenty, for nothing.
If a business cannot compete on its own, it should fail. To do anything to alter that is to hurt everyone else.
So, this stimulus to the economy was a “transfer of wealth”. I guess the GOP’s “supply side economics” (tax cuts for the top 5 percent) wasn’t; and isn’t. According to almost all the car magazines and JD Power, GM and Ford have been making some good reliable models for several years.
While I’m struggling to keep my 1991 and 1992 cars in good shape, I’m real glad to see MY tax money going to buy all these FOREIGN cars for losers like YOU!
I’m indirectly in the car business. This progam while good for dealers (only in the short term) and good for MFGs (again, short term only) is bad for the people. I’ve read many reports where people traded in paid for cars that ran fine for a car with a payment. That will NOT save you money.
I’ve seen how poorly thought out this program was from the start. It went into effect before the rules of it were in place. That makes no sense. But because it blew through the allotted funds, it is now being called a success.
Some of us need trucks. A dinky hybrid or a small truck isn’t safe to pull a horse trailer. I am trading my old clunker truck for one that is more fuel efficient. Every little bit helps!
My two clunkers, 1990 Jag V12 convertible and 1967 Triumph TR4A, are gonna stay in my family til I die. No Toyota econobox could come close to providing the driving enjoyment I get from these two. Of course, if you really don’t enjoy driving, then any set of wheels will suffice.
Well said, David S. Most people are economically illiterate–and one just posted the tired phrase “tax cuts for the rich” after your post. Either he doesn’t know that the top 1 million American tax filers paid more in taxes than 135 million American tax filers–or he doesn’t care. Either way its their money and the more of them in existence, the more jobs.
I bet the repo men are already lining up. Next headlines in 6 months, Cash for Clunkers huge boom for the repo man. People who can’t afford new cars trading in paid for vehicles in the worst job market possible. Way to go DC you all must be really smart.
This would be some interesting data you will never see about the cash for clunkers program. How many of the people that have used the program actually pay $4500 or $3500 of federal tax dollars in a year? For all of those that do not pay that amount can I please borrow my car you are driving?
I fail to see why it is anyones business what someone bought. If I want to drive 3 hummers, and a 3/4 ton pick-up, I feel like I should be able to without anyone in the government commenting about it. This is still America, right? Or, did we lose something on January 20th when ‘Dear Leader’ took office? I am more concerned with the folks on WIC driving Mercedes Benz then I am with people spending THEIR money the way THEY see fit.
In this economy, someone would trade in a running paid off car, for a car with payments? That’s not the government taking advantage of people, that’s people not using their brains! Just because they offered this program, does not mean everyone had to take it! That’s one of the great parts about America, we have choices!
Relax Tim, no one is telling you what to drive and what not to drive. They are simply encouraging ppl to drive more fuel efficient cars in an effort to stop depending so much on foreign oil. Well, at least that sounds good! Can I borrow the keys to one of your Hummers this weekend?!
Same thing as people buying houses they couldn’t afford because the government enabled them to do it and look at the mess we are in as a result of that brilliant plan!
I did. I had a 14 year old Cadillac – traded it on a 2010 Kia Soul. I love my new car and the fact that I only have to fill it up once a month. I was going to have to replace the car anyway. It ran, but needed lots of work. I was going to have to spend money anyway. This way I got $4500 of my new car!
Anyone who knows me knows that I have been complaining and fighting against taxation (theft) for all my voting-eligible life. Why is it that any criticism of an Obama program is automatically seen as an endorcement of a Bush or republican program? The republicans are as horrible as the democrats,if not worse. At least the democrats have the courage and audacity to speak like socialists/communists. They love big government and aren’t afraid to say so. Republicans on the other hand say they are for small government so the people with common sense will elect them, then they spend more than the democrats (W is obviously the best example of that – along with his republican congress).
Yes, this program is a forced wealth transfer. You could have gone and spent your own money to buy a car and the dealers would have enticed you with their own money, but this program sweetened the deal with money either stolen directly in taxes or indirectly through inflation of the money supply. The government doesn’t produce wealth to spend, it steals it. Anyone who benefitted from this program is as guilty of theft as if you stole the money yourselves.
And yes, the bulk of our society is set up in this fashion, and yes I would like to see it all go away in favor of government that abides by the constitution. I vote for candidates that support that view and don’t vote for candidates that don’t.
Thousands of industries all over this nation are suffering from the results of the Federal Reserve induced bubble and its collapse. They do not have the lobbyists that the auto industry has, nor do they have the unwarranted support from the uninformed populace that the auto industry has. People are unwilling to objectively look at this program for what it is because they are too self-interested in getting something for nothing via the power structure of the government and because they do not understand basic economics. That is what america has become.
I can’t help but think that this program is forcing people to trade in sooner rather than later. It is basically stealing sales from 2010. If the government is going to offer rebates it should be done when people file their tax returns and done on a continuous basis. And, rebates should be for vehicles that get greater than 25 mpg. I’d rather have my dollars going to countries that produce automobiles than to ones that produce oil.
You know the best way to “boost the struggling auto industry”? Quit paying high-school dropouts $37 an hour with sick benefits to turn a screw. Then put that money into R&D, so you might actually be able to compete with the non-union auto manufacturers.
Encouraging people who are driving $2000 paid-for cars to trade them in for a $30K note is about as fiscally irresponsible as it gets.
Enticing people with money from us taxpayers to borrow more money to buy new cars they can’t afford- that’s all it is. More subprime lending. Looks like the stupid legislators need to be whacked upside the head until they learn their lesson from causing the housing crisis.
I can’t believe some people can’t see the barbed hook hidden in the stinkin’ bait…
Traded a 1997 Ford Explorer that got 15 miles per gallon for a 4 cylinder Jeep Patriot…we’ve been on the fence about getting a new car for a while, and this program worked for us…The Explorer had 170,000 miles on it, no ac, vaccum leaks, the front wideshield was beginning to fall out…but it lasted 10 years, we expect the same from the Jeep!
It’s great that more people will be driving fuel-effecient cars. That’s less money going into the pockets of the leaders of Iran, Russia, and Venezuela.
This program is just another way to sell people into a lie… that down the road will need another lie and another program to “fix” the first program that was in place to “fix” the auto industry. It is all just a huge game.
This is going to help them create “emergencies” down the road that they will have to continue to “come to the rescue” and “fix.”
However, the government can’t fix crap… but they’re good at letting it fall out of their mouths.
CC since when is the US Government in the car business? Oh yeah…since your buddy Obamalama started nationalizing everything he could put his hands on. Ok so it helped the car business..why don’t we pay for spoiled veggies that are brought into the grocery store so we can help the grocery business? When are you and people like you gonna stop taking every government hand out that Big Daddy Bama wants you to be beholden to him for?….Get some cajones….take care you yourself and stop expecting the government to do it for you.
– Family of 5 owning a Ford Explorer for 13 years and 155k-plus miles, bought new, been paid off for years and thoroughly worn out, with less than $1500 trade-in value and, although mostly dependable, in need of $1500-plus in repairs. Pity… it would have made decent transportation for someone.
– Been planning on a new family car purchase for the past couple of years. The Fed’s hocus-pocus creation of C-4-C came along at the right time for us.
– Was surprised to see that the Feds, in standard bureaucratic operating wisdom, EPA-rated our Ford at 16 mpg, qualifying for C-4-C. That car never acheived less than 19-20 mpg overall. This model is the number-one C-4-C trade-in.
– More surprise to learn that mid-size SUVs also qualified as the new car purchase. We only had to better our trade EPA-mpg by 2 mpg. This is the “special intrest group pleasing” legislative mentality that you get with Community Organizers in charge.
– The biggest surprise: the C-4-C program wasn’t limited to Detroit products, which seemed like the neediest recipients for such help, but what do I know… I’m just a taxpayer. We bought a made-in-Alabama 2010 Honda Pilot, qualifying for the $3500 incentive. Since we were in the dealerships in the weeks before the program started, we were able to get a deep discount off MSRP before going for the C-4-C money.
– Two last points: My household has already paid far more than $3500 in federal income taxes so far this year. As for future visits from the repo man… we work hard and often sacrifice to make good choices in life, and because of that don’t live in a world where that is an option, let alone a threat.
Well said comments David. I am currently an accounting student at GA State and I know for one the trouble all of this is causing from my tax classes.
It is said in basic tax language and concepts that for every good thing the governments does, it does something bad. It’s the “ying yang” theory of government taxation. As for determining whether it is a good thing or not is to measure the net effect of the good and the bad done by the policy.
This “cash for clunkers” has managed many bad things. Number 1 it’s opening up an opportunity for American’s to get into another credit crisis within the auto industry much akin to the housing industry. It is evident by people trading in good running paid off vehicles to have a new car with a payment.
Number 2, this plan has a very poor chance at achieving economies of scales in the long run. It may be a short boost in the short term, but when the money is out, then what? You have American’s left with payments and car companies not knowing what to do next.
Number 3, We are borrowing more money and spreading to programs not necessary in the current economic situation. If you think for a second that deficit gap was big before the stimulus you are in for a big surprise. Americans will be paying for all of this likely past our lifetime and into the next generation in taxes. The more money we borrow for such frivolous programs meant to satisfy constituents who take actions for face value, the worse off we are as a society.
This program is Obama’s way of appeasing his voters with the “let’s do something just to do it because something has to be changed” mentality. That’s all. Alas, we will all pay for it.
Foreign car buyers are the most ignorant lot of people on earth when it comes to the reasons they but them.. reliability? Show me the data. Seriously, show me the data that backs up the claim that Honda, Toyota, etc have better reliability than Domestic. Not car for car even, but overall. Data, hard facts.
The foreign car buyer is the ipod buyer, is the trendy jean buyer.. is the do what other people are doing and it makes me cool type. I know many.. and it’s quite funny the reasons they give. All parroting each other.
Why am I not able to get the Angus burger coupon with the fries and drink? I have been trying for days but just keep getting to your homepage. Not able to get to the coupon!
And Rana, work on your subject lines, and stop trying so hard to rope people in with something so misleading… If your getting Madden 10 this week you’re paying full price, and this blog isn’t going to help you.
I refuse to pay over $40 for any game. I’ve had pretty good success with Game Stop (and Movie Stop for DVDs) In general it is MUCH cheaper to wait till something has been out for awhile. There is nothing really gained by being an early adopter.
Hi Basketballjones,
My hope is that if you’re thinking about getting the game this week, you might read the blog and reconsider. Or at least give it a little more thought, even if you end up moving forward anyway.
And I like that SI deal. I’m a big SI fan, and have been a subscriber for years. Not a bad way to get two products — a hot game and great mag — for a nice price.
My personal experience is that I have fewer problems with Japanese cars. This experience is in line with the findings of Consumer Reports subscribers who complete the Annual Auto Survey. Overall, Toyota, Honda, Nissan, and now Hyundai rank better than the American brands. Select American brands do well but many of those are based on Japanese platforms (Ford Fusion, Mercury Milan, etc.). American-made trucks fare better and some nameplates, such as Buick, perform well. Last time I rode by a Buick dealership, I didn’t see people clamoring to get in, however.
To say that foreign car buyers are ignorant is to say the customers of auto manufacturers are ignorant–which is what GM (Government Motors), Chrysler, and Ford have been saying for years. They’ve paid the price for having that attitude. Deny it all you want, but buyers of expensive products vote with their feet.
And those feet have left Chrysler and GM in the dust.
Check out the April 2009 Consumer Reports Auto Issue on page 14 (”Japanese automakers get the highest marks”.)
Reliability by Brand (Top 10):
Scion
Acura
Honda
Toyota
Lexus
Infiniti
Subaru
Hyundai
Mitsubishi
Kia
The survey includes data for 1.4 million vehicles. This compares to the data you offered: Zero vehicles.
great tip about games holding value and some games dropping in price
there is a playstation 3 role playing game called folklore that still sells for 60$ and it was one of the first games out on ps3, been out for years. call of duty modern warfare has held up value overtime as well.
I like your suggestions, but the problem with comparing Madden 10 with your finds for ‘09 and ‘08 is that they are outdated. Waiting the amount of time it would take to get 10 for $9.49 will require you to forego purchasing 10 in place of purchasing 11.
I see your point, but it probably applies more to cars than sports video games where rosters and things can change a lot over the course of 1 year.
No, went cell-only quite a while ago. The landline was at home not being used (by me) while my lifestyle meant I had to have a cell to stay in touch with friends. Frankly, the cost of the land line was just not worth it. It’s not that I use even the cell that much – I spend about $20 to $30 a month on my Tracfone prepaid phone – but I have better things to do with the money that would go to some big corporation just for the ‘what if’. I only got really annoying telemarketing calls on it when I still had it anyway.
Wow! Why didn’t I think of this!! Schools suck you in with all of this crap that they need educated, computer professionals when bottom line is, they are a business. You spend the money and you spend the time…and all you end up with is DEBT!! I wish Trina all the best! I believe she can win and boy, what a precedent that will set! All she needs is the right attorney to present her case and she will hit a homerun! Go Trina! You are more talented than you think!!
Good article Rana and thanks for the advice Patricia. I’m one of those folks who needs a budget but doesn’t have the time as a working mom and wife to get to the budget each day/week/month. I make a list of bills and pay them all on time but always feel like I can get a better handle. Does anyone have practical tips on keeping up with your budget daily/weekly/monthly? Thanks.
Cash for clunkers may stimulate the economy (and pad automakers pockets), but I’m not sure that it necessarily helps out people who truly need it. People that are driving around in clunkers typically can’t afford the burden of a new car payment with or without the incentive. As for me, I purchased a Honda Civic in 98 and would love to take advantage of the new program, but my Civic doesnt qualify because it’s not considered a clunker! Thanks for the blogroll link by the way Rana!
He will be on there later like how they did Brett Favre last year. Give them time to update his stats.
Also, if you dont want to pay full price on Madden trade in your older Madden game. That will at least take off the taxes if not more. I do it every year and save a little bit.
[...] tips to a T. Brun is a San Diego-based, award-winning interior designer. … DIY: 10 tips for decorating your dorm room, plus more ideasAtlanta interior designer Brian Patrick Flynn, the associate producer and on-air designer for Movie [...]
Good job, Rana. I’m a UGA graduate and my roommate and I had a “designer” dorm room that we decorated on the cheap. Ours was always the room to be in for our neighbors. It IS doable, all you haters!
Just stopped by half.com again; that Tiger Woods 2010 for PS2 is now $29.37. I’ve noticed that prices drop on that site all the time, and inventory — not surprisingly — moves quickly on the popular games.
I keep a small zip pouch that has a 3 x 5 card in it each day – I put in receipts in there throughout the day and jot down any cash spends on the card. Every morning I wake up and it is the first thing I do – it takes about 10 min @ the most but is well worth it. It keeps my current balances top of mind and reminds me not to spend! Good luck.
I get on the e mail list for every restaurant, retailer, etc that I can. I keep a separate e-mail address for just this purpose. I check it every couple of days and print out (using a black only laser printer, of course, because the per print cost is very low) any coupons I like. We rarely eat out without some kind of deal – $$$ off, BOGO, or free extras. I also quickly scan all the coupon mailers that come and put the “possible” ones in the same envelope with the printed out ones. Envelope stays in my purse and we have it whenever we are out and get hungry.
These deals aren’t that good. Watch a ‘FREE’ football practice? Come on. Free ice tea, really? And all of those “half-off” gift certificates will carry over NO unused balance. How can a couple eat $50 worth of food at a pub, NOT including alcohol?
Every Mother I know uses a changing table…and I have seen plenty use the wipe warmer, if it is placed next to the changing table. I guess if you change your baby’s diaper all over the house because you don’t use a changing table, then that would be why you don’t need the wipe warmer. But if you have a “station”…it can be very nice and well used.
I agree that there lots of baby stuff out there that you do not really use like the bottle warmers. If I need to warm a bottle I use a tea kettle to heat the water, then put it in a mug and put the bottle in it. I have a changing pad on the baby’s dresser and a pack-n-play downstairs so that I can easily change diapers without bending over in a bad way. I would not change on the bed or couch, with my luck the baby would pee or poop and that would not be as easy to clean!
I’ve never known any mother to use a changing table or wipe warmers..To me, unless you are a stay at home Mom, you need to learn to be able to change the baby in any situation..I agree about the shoes also..They never stay on, so why bother with them?
Another thing that I think is useless are those covers that people put in the buggies when they are shopping..If your that worried, wipe it off with a rag..Babies and kids are tougher than we give them credit for, they will survive..Like MRs Schulz said, with love, attention and care, this is the main thing that they need…
I agree with everything but #4. It takes time, practice, patience and the right blanket to swaddle correctly. Additionally, in the first few weeks you are so sleep deprived that the swaddle suits are quick and easy to use. They were a life saver for me.
I agree wholeheartedly about changing tables. I NEVER used ours, but instead have always changed him on the bed. It was always easier for me to clean him with him facing me straight on, rather than doing it from the side.
Wipe warmers dry out the wipes half of the time. Once the baby gets used to the wipes, it is a non-issue. Trust me, my son has never even flinched at the temperature of his wipes and he’s 18 months old.
This was a great post. I will be interested to hear what others post.
LOVE the wipe warmer… it gets terribly cold here and had two winter babies. And the changing table was a must – kept everything organized and at-hand. (I kept a little basket in the family room downstairs for quick changes, but otherwise used the changing table in the baby’s room). And clothes? Be specific. Cute frilly dresses and baby suits will go unused, but onesies, sleepers and stretchy, comfortable clothes are an absolute necessity.
I have a three year old and a three month old and we use the changing table and wipe warmer all the time. We even have a second changing station set up with the pack-n-play changing table down stairs. But I do agree on the bottle warmer. Simply don’t premix the formula.
I love my changing table and wipe warmer! I got loads of use out of both. It was nice to have a place to change diapers with everything handy and to know that any messes were contained to that one area and not my bed, couch etc. For me it was also a matter of safety. I cringe when I see someone trying to hold a squirming older baby on a dresser top with no safety rails/belts. The wipe warmer isn’t really necessary but it was a nice thing to have on cold nights. Even after my son was potty trained, I continued to use the changing table as a dressing table. I sat him there to comb his hair, clip his nails, administer to those scraped knees, etc. It was nice to have something at that height.
I do agree about the bottle warmer. Ours didn’t get much use because once I figured out that my child had no preference about the temp (cold or room temp) then I quit using it. My warmer had a basket to use for warming baby food bottles but again, my child was fine with room temp so we didn’t go through the trouble. I also agree about the shoes. We didn’t even bother until our son was learning to walk – he’d just kick them off anyway.
If I had to add an item it would be an overload of infant/toddler toys. Most of us bought too many!
I clicked over here from Momania and was not even aware of this blog.
My kids are 17 and 22. We did not have MANY of the new fangled things that are out there today.
I am WAY out of touch.
I do not think I could part with a changing table. I chose the plastic Little Tikes one, with the two sets of doors. Whenever anything seeped out onto the changing table, I could use bleach generously.
@ becky, no I do not want to wash a bedspread or take it to the cleaners nor would I want to figure out how to get poop out of my carpet…neither can be done with bleach…probably just me.
Re: clothes, I usually buy baby clothes for gifts in a size 2…this way their will be something new to wear later.
I’m kinda confused about the definition of ‘changing table’ used here–we didn’t buy a specific changing table, but got the $20 pad that secures onto a dresser (that is easily removable later on, so you don’t have a wasted piece of furniture) We used that all the time, but still, even as a SAHM, learn to be creative and improvise. As far as safety, we never used the belt on our changing pad, because I thought it provided a false sense of security, like ‘I can turn around for a second since they are buckled in’. And I doubt there are any rails that could actually contain a squirming older baby, you just have to be focused on them 110% and use your whole body if necessary! (or at that point, change them on the floor!)
I also never used the wipe warmer, ended up donating it to a women’s shelter. I had heard it dried out wipes, could damage any furniture it sat on, and then–what if you are out and about, and don’t have the wipe warmer handy?
We have some baby clothes that are so pretty and fancy that we never used them with our daughter, so we’ll have them ready for our baby who is due in 5 weeks. However, we did have to go buy 5-6 more sleepers for the winter, as our daughter wore them all the time and between the spitup and acid reflux, they were just too nasty to save.
Perspective of grandma of 6.
I have a tendancy for low back pain, so my grandchildren’s changing tables were a great back saver. Even lifting a toddler onto the table was less strain on my back than leaning over the bed. And, yes, I tried sitting on the bed with the baby, but then you have to twist and that’s even worse for your back.
Small water-proof changing pads are a must! They are a lot easier to toss into the wash than the changing table covers, or bedspreads, etc.
My daughter’s favorite gift, and now my choice to give, was a fold up changing station. It has pockets for a couple of diapers, wipes, and ointment. It’s great to take in somewhere that you don’t want to lug a diaper bag.
I’m not a mom yet but we’re working on it. =) We’ve already started thinking about things we would need and I agree.. there are a lot of things out there that aren’t necessary. I like the changing pad on top of dresser idea. We already have a dresser so that’s less cost upfront. Ive been offered a hand me down crib from a sister so that is awesome! The one thing that my husband and I both agree on is that we are going to use a cloth diaper service. We’re not green fanatics are anything.. but google how many diapers go into landfills each year. It’s disgusting…and they don’t break down. The diaper service also offers biodegradable diapers too for traveling.
Changing tables are a MUST if you are an older mom! The bending, stooping, & lifting can wreak havoc on a “old” back. For my first child, and 12.3 years earlier, I didn’t really need it. For the new baby, it was a lifesaver Just my 2 cents.
My wife and I have a little girl. While we didn’t invest in a changing table, we did invest in water proof changing blankets and we just change her on the bed…works just fine. As for wipe warmers, we definitely use one. Remember how your baby reacted when he/she was born…pretty chilly. A baby doesn’t enjoy a cold wipe (at least ours didn’t). We didn’t really get her any shoes, but we did use the swaddling wraps…easier to put on and they pretty much stay in place. As for clothes we’ve been quite lucky…about 80% of our little one’s wardrobe has been donated to us from friends with older daughters. But she hasn’t worn all of that stuff either.
There is a secret to wipe warmers…just add a teaspoon of water into the warmer. I never had any of my wipes dry out but the very first time. And then I was told to always keep a teaspoon of water in there. It helped with the steam. I did this all 3 of my girls. I didn’t have a changing table with my first daughter, but my 2nd one I had one and loved it. It was only the attachment to her pack n play. With my 3rd, my dad bought me the matching one for the girls crib. I loved it! I may not use it all the time but its more convenient than I thought it would be. I never used a swaddling suit. My daughters despised being swaddled. All 3 would scream if they were swaddled, even in the hospital. So much fun explaining why my newborn child was never swaddled in the hospital to a Mean Grumpy L&D nurse. They were all happy with a blanket.
I agree that a changing table is not worth it. I have a 6 month old girl and a 2 1/2 year old boy and with both we had a changing pad on the dresser. I don’t understand why people are saying you need the changing table for the height because both dressers I have are about the same height and width as the chaning tables I found and I will second the issue about the false sense of security with the straps and stuff. My 6 month old girl is almost impossible to hold down with straps and 2 people so if you just pay attention when you have them up there you are fine.
For the wipe warmers I have never used one of those either and haven’t noticed my little ones freaking out when a wipe touches their bottoms besides what do you do when not at home? The wipes would be cold then. And my kids have always taken room temp bottles so I ended up giving the bottle warmer I got as a gift to a shelter because using a cup of hot water worked as well and was easier.
The best things I have gotten and used the most really aren’t necessarily stuff you can use right away but they are pack n play, exersaucer, and larger size clothes, anywhere from 6 months up to 12 months. The pack and play is great because then you have something easy to travel with and can do double duty. Both of mine love the exersaucer and my little girl won’t be still for a moment so trying to play on a mat on the floor can be hectic. And the larger size clothes are great because like someone else mentioned you usually end up with a ton of stuff for them for right after they are born and half the time they grow too fast to wear it all. And that way you have new stuff for later or for when you suddenly realize they don’t fit in the stuff you already have because they grew several inches/pounds overnight it seems.
I think swaddling outfits would depend on how cold it is because they can get out of a blanket and if you live where it is cold and your old heating system can’t keep out, like mine, then you have to really count on the clothes helping to keep them warm.
Bottle warmers: If your wife pumps like mine did, you’ll be glad to use one of these little steamers to heat refrigerated breast milk. I don’t think I ever overheated a bottle with the warmer.
Changing table: these may not be necessary, but they sure do help you get organized. They’re a good place to keep baby maintenance tools and supplies organized and ready for immediate action. I did feel much safer changing diapers with the safety strap.
Buggy Cover: You may not want to put your kid in on of these, but heck, they’re a cheap way to provide a thin layer of comfort. And again, the straps hold the squirmy little boogers very secure, helping you focus on the shopping mission. If you’ve ever found yourself at Wal-mart at the wrong time of day, you’ll be glad you have one. But seriously, germs? I doubt most folks have these because they’re afraid of germs. Trust me, a freaking buggy cover won’t turn your kids into candy-a**es.
Ooo! Dee–I forgot about the exersaucer–that thing rocks! Also forgot about pack n play–a must for overnights and when you can’t tag team baby supervision.
The thing I found the most useless was the bathing stations. Best place to bath a baby? the sink. And Yes I clean the sink before and after. I never used a changing station or wipe warmer. The new thing I like best is the wrap around for carrying a baby. Those make me wish I had one. They keep the baby close to mommy’s body and wrapped securely at the same time, much easier than carrying the infant seat.
Our daughter is now 7 months old and our first child. I have to say that prior to having her we had all these plans to breastfeed, use biodegradable diapers, etc. Well, she was lactose intolerant and had major gas troubles. Once we realized this everything changed. I forced myself to pump in hopes she’d be able to take lactose and get back to my milk rather then the sensitive stomach formula. She did eventually but I quit pumping. Needless to say, we did nothing as planned.
We use our bed to change her (or the floor) and cold wipes. She does not seem to mind and never has. We did use a bottle warmer but got lazy and so she adapted…she never got crazy gas or whatever the wives tales were about cold formula/breast milk. We used a “Snugglenest” for her to sleep in and then moved to a bassinet and then the pack and play. She loves all her toys like her walker/car and play matt. We use the Rainforest Jumperoo but had little use for the bouncer (although my sister’s daughter LOVED her bouncer). The swing was also a lifesaver for those times when you just wanted to get something done or eat dinner while it was still warm.
The biggest waste of money in my opinion, are clothes in the 0-4 month range (especially jackets/coats). She wore the one piece things and jeans everywhere. Shoes were a waste as were socks. We kept her in the socks from the hospital most of the time b/c they gave us several pairs and they were extra warm. Also, we liked the ‘mosses basket’ we received as a gift- it was helpful in the early months. We also absolutely love sleep sacks! This is the best money spent for sure. We have swaddle blankets but of course she hated being swaddled so those were never used nor were the wraps and slings we had. Washcloths, baby towels, and those small ‘receiving blankets’- waste of money. The hospital gave us two receiving blankets and those were good enough.
I agree with the best gifts being wipes and diapers. We got so many clothes and she never wore half. I wish we would have had the diapers and wipes instead.
One more thing. We bought all these cool bottles that prevented gas, etc., well, she did best (and so did we) with the Medela bottles and the Similac ones the hospital sends you home with- plus they fit on pumps! Now that we know all this stuff the next baby will be 100% easier.
month range. She wore the one piece things and jeans. Shoes were a waste as were socks. We kept her in the socks from the hospital most of the time b/c they gave us several pairs. Also, we liked the ‘moses basket’ we received as a gift- it was helpful. We use the Rainforest Jumperoo but had little use for the bouncer (although my sister’s daughter LOVED her bouncer). We also absoluetly love sleep sacks. This is the best money spent for sure.
Didn’t use the changing table either and it wasn’t because we are cheap, it was because that piece of furnature didn’t fit in our house. If you have a small house or apartment with small rooms, a changing table is something you just don’t need. Companies that make stuff for babies love the people who think they have to have every gadget and piece of crap that they sell for babies and a changing table is one of those items, large price, small return on value. Plus we got used to changing the children in a variety of places, which came in handy when we visited with the grandparents and other relatives who didn’t have babies. No babies, no changing tables… We changed diapers for over 4 years on the bed and we did not have to wash the quilt or sheets at any time because of any baby mess.
Having a changing table is not a MUST have for organizing stuff either. If you don’t have changing table, you just designate an area for the diapers, wipes, creams etc…which is all you are doing with the changing table, it is the designated spot for all that stuff. It’s great if you can afford and have the room for all those pieces of furnature that you will only use for a short time, but moms have been doing without changing tables for thousands of years and you don’t have to have them. Even the moms that I know that had room for them, ended up not using it very often, usally only for the night time change during the first few months.
Wipe warmer, great idea, stupid product, tried it, hated it. Hard to open, dried out the wipes, heated up the dresser it was on, tossed it after a couple of weeks.
Never had a bottle warmer, warmed them under hot tap water. Or, GASP, in the microwave. (No matter what you tell them, that is how they warm bottles in Day Care Centers! I used to work for one, so that is personal experience at that day care and I saw them do it at a couple of others!)
Shoes, learned with the first one to buy the footed sleepers and onsie type outfits. None of my kids would keep shoes or socks on their feet. They still don’t wear shoes or socks if they don’t have too! Clothes, I always bought the next size or two up when they went on sale, depending on how fast the baby was growing. Almost all my children’s first baby clothes were yard sale, thrift store or baby gifts.
At least they’re doing the freebie thing right, instead of how KFC screwed it up with the free grilled chicken. Check that. KFC didn’t screw it up. Oprah and all her sheeple screwed it up. In a way KFC did screw it up by allowing her to announce it.
Chick Fi La – they are professionals that know how to run a business. KFC obviously continues to be plagued with customer service issues, including the one where you couldn’t get the free grilled chicken. I recently used my coupon and after going to KFC 4 times regarding their free chicken promotion to get free chicken was told that I couldn’t have white chicken. It was the manager’s discretion per the coupon and he chose to be an “”a’’s’’s. That was my last visit to KFC, should have known better anyway based on how poorly they’re run.
Let me add a couple more which I’m sure I will get a lot of flack about. A tub and wipes. May have used the tub a couple times and I hate wipes, I feel like I’m wiping something foreign on the baby. I’m old school and still use the soapy wash cloth.
One of the things I couldn’t have lived without was our bouncy-seat. I’m not sure what the proper name for it was, but our daughter would sleep in it, sit happily in it, and when she’d poop or spit up on it, the entire cloth cover would come off and wash in the washing machine, leaving a round steel frame. And I think it was relatively cheap, maybe in the $30 range. We used it soooo much, much more then the expensive swing! I just double checked, ours was made my Fisher-Price and has ‘calming vibrations’ on it. I doubt they still make the exact thing, but I’m sure there’s something similar out there.
I agree with Older Mom the bending and stooping would kill my back. I used my changing table (which I keep in the living area) for the past 3 years, and I will use it until baby #2 is out of diapers.
It works great to store my diapers, wipes and even toys on the shelves.
Didn’t use a bouncy seat much, but the Bumbo seat was my saving grace. I take that thing everywhere!
Good call Janie Hopwood about the bathing station. I got one for my son and it was almost impossible to use. We ended up doing baths in the sink or just putting enough water in the tub to put maybe 1/4 inch in the shallower end and put his head at that end. That is what I do now with my little girl and they both loved it and it was much easier than the bathing station, I don’t worry about it because who in their right mind is not going to pay total attention to an infant when giving a bath. I keep one hand on her at all times so she doesn’t roll over. Both of them loved it too. The both would kick their feet and laugh during bath time.
As for the bouncy chair it was great up until the time they could hold/support themselves well enough to sit in the exersaucer. I don’t mean well enough to sit on their own but well enough to sit supported. After that they would get bored in the bouncy seat.
I also had a Bumbo chair and it was great with my son but for my little girl who has aspirations to be a gymnast I think, it actually got to be dangerous by the time she was about four months old because she would flip herself out in about half a second once she got bored being in it. Unfortunately that was also about the time she was big enough to use it so it has been a waste for her.
Okay Okay Okay! You make total sense Patricia. I think it IS about time I live with a budget. Hopefully, we’ll get some more great advice from you soon! Thanks!!
Usually financial experts talk way over the average/poor person’s head, but Ms. Stallworth really makes budgeting sound possible and even a little fun. Thanks for the great advice!
Isn’t there a website where you can compare recent costs for variable and fixed rate plans? What other costs should you consider (disconnect fees, connect fees/rebates,..)?
In the “tips” to “lower your natural gas bill later” at different points the refer to a “hot water heater”, can someone explain why you would need to heat hot water? … It is simply a “water heater”.
Switching is NOT free. That month you get hit twice for all the fees b/c of billing cycles. Most your bill is fees and charges. Not actually tied to consumption.
You can see where kids eat free or for cheap. Add deals if you don’t see any. And best of all, you can take us with you on your iPhone. So for accurate, up to date kids eat free deals, try http://www.kidseatfor.com.
Not having gotten any in several years, I’d vote for sex. But that extra fiddy a week would come in handy on a vacation to Nevada … if you know what I mean.
Ken…you have no idea of what a “thug” is..soo why use the term soo losely..?? But anyway..I rather have the “fiddy” week…lol at Booya…Sex is easy to come by…But having $$$ come by is not soo easy to grab right now….lol
Since I am dating someone thats unemployed I definitely would Love the extra fifty dollars a week!! That would go a long way!! That could be more groceries, or more gas, an extra trip to the beach, or even a nice evening out @ a restuarant!! So I would greatly appreciate the extra “fiddy” bucks anyday!!
I definitely agree on shoes being a waste of money. Sure they’re cute but let’s face it, they don’t stay put on baby’s feet for longer than a couple of minutes. My son is just as happy in a pair of socks.
I didn’t bother to invest in a wipe warmer figuring that it wasn’t necessary. I’m glad to hear that others feel the same way.
I disagree on the swaddle. I can’t live without my Merino Kids Cocooi and would recommend investing in a good quality swaddling blanket to any Moms out there. It’s been a godsend for us and has resulted in at least one and a half extra hours of sleep a night for us.
WOW!!!!!I’m at a loss for words over these comments……y’all obviously live in a different world than I do. Also, Atlanta Bargain Hunter, don’t you have something better to do?……something relevant, maybe?
Since I’m having sex with my guy 4-6 days a week as it is, I’d pick the $50. Not that I’m against more sex, but I’m really, really happy with the frequency now. So….
The phrase “waste of money” is really just relative. My must-haves are definitely not going to match up with everyone else’s. Not really sure why people are getting heated about this topic???? Yes, some of my “must-haves” are not necessities but they sure did make life a whole lot more pleasant during those first sleep-deprived weeks.
Here are/were my favorite baby/newborn “must-haves”:
1. Changing table/pack ‘n’ play: Yep, it was a must-have for me. The height was just a million times better for my back. I’m young and have never had back issues but my delivery did a real number on me all over and me back wasn’t the same for a good two weeks. Now (7 months later), I change him in the crib and keep a basket of diaper stuff downstairs next to the couch but I still use the changing table for organization. However, now that our necessities are a little less and we’ve revamped some stuff, I’m going to use it to organize some of my craft supplies. And I’ll definitely be using it again with the next babe.
2. Wipe warmer: My baby screamed bloody murder at the touch of a wipe for the first week until I spent 15 bucks on that wipe warmer. I had a winter baby so I even loved it to use the warm wipes on my face A lot of people have been asking what you do when you go out… well, you just don’t use it. Or you can run it under hot water/hold it in the palm of your hand so it’s nto QUITE so cold but c’mon, it’s not like most people are out and about at every diaper change.
3. Baby Gap socks. Like I said, winter baby = cold weather = super cold feet. Baby Gap’s socks were the best at staying on and they’re thick.
4. Swaddling blanket. I can do a mean swaddle but I know a lot of people who just never got it tight enough and the swaddle sack things were life savers for them.
5. Sleep sacks (NOT the swaddle sack)… These. Were. Wonderful. I could swaddle him with these on and they made diaper changes a BREEZE.
6. Bottle warmer. Seriously, I LOVED our bottle warmer. I pumped a lot of breastmilk and the microwave can destroy the nutritive properties. I’d rather pay 10 bucks to be able to pop it in the warmer and let it beep at me when it’s finished than sit and hold it in the water or go through all of those steps. Lazy, I know. I AM an American, you know.
7. Side-snap/kimono shirts. Love those things. When our baby wasn’t in a sleep sack, he was probably in one of these. (The cute little outfits ARE nice to have sometimes but really we mostly kept him in these kinda things. But the cute clothes are wonderful gifts from people who really wanted to gift you and your baby with something.)
8. Can’t think of any off the top of my head right now….
I agree with needing to save an extra ‘fiddy’ a week – that’s a carnote for a lot of people so that’s a no-brainer. On a side note, someone showed me how to get paid on my own energy bill and 100’s to 1,000’s of other energy bills (and yes it is legal LOL). Hit me up for the details (email: lascobee@yahoo.com)
Georgia stand up!!
I found a way to save on my own energy bill and 100’s to 1,000’s of other energy bills (and yes it is legal LOL). Hit me up for the details (email: lascobee@yahoo.com)
Georgia stand up!!
[...] Waste of money for these baby products | Atlanta Bargain HunterWe have some baby clothes that are so pretty and fancy that we never used them with our daughter, so we’ll have them ready for our baby who is due in 5 weeks. However, we did have to go buy 5-6 more sleepers for the winter, … [...]
Walmart usually has a good selection of plants and they are a lot cheaper. Lowes and Home Depot are also less expensive than Pike’s or other nurserys. Another tip is to take cuttings from friend’s plants and plant them.
@MJG, ususally for the amount of poop that you would get on your carpet or bedspread while changing the baby, you can clean this up with hot water and soap..This I found out from my nephew when he cleaned carpet for a living..
I have a large lawn, and if I use a service it cost $70. per month for 6 to 8 months to keep the grass green and the weeds out. After living here 10 years, it has defeated me. All I do now is get on my riding mower and mow the grass, and go back in the house. I gave up on flowers because they never grow, and if they do, they are barely out of the ground. I am thinking about having the yard professionally landscaped and mabe that will take care of it. I don’t want the lawn to become an eyesore, because I live on a corner lot that is slightly elevated.
I went on a kick earlier this year to improve my curb appeal and invested in the several hundreds on Encore azaleas. I’m having trouble keeping them alive. They bloom once like crazy and then die. I was under the impression that Georgia soil was ideal for azaleas. What am I doing wrong?
You have to mix it up, don’t you think? Here, you’re as likely to find a coupon for free ice cream and burgers, as you are tips on how to stick to a budget, choose a bank, fight foreclosure or fix your credit. Thanks for reading!
Jeff, I haven’t had any trouble. Email went through fine. Make sure you’re typing in the address correctly. Meanwhile, I’m going to track down the details on what’s in the Falcons fan pack. Good stuff, I hope. I’ll follow up here on the blog.
Can’t wait for the first game of the year vs. the Dolphins!
This is a very good budgeting article. You articulated in a good way what most financial experts are unable to do in their articles. I plan to use some of your budgeting tips this afternoon
Never carrying a balance on your credit card is the best way I know to bypass all this hogwash.I don’t know what my credit card’s interest rate is,nor do I care.
Question:
I am a 21 yr old college student who gets my school money from my parents deposited into my debit account, so it looks like I’m a big spender but I’m not. Apparently, I racked up some HUGE “overdraft protection” limit because of this and am negative by $600-700 right now because I overlooked a large charge then racked up the $34 over limit fees on coffees and lunches and movie rentals for $1!!!!!!!! I should have checked my balances, I know but I had no idea I had a credit limit like this on a debit card! I am so thankful that a law is being instituted to force approval on these “gracious” over limit charges. My question is do I have any chance to refute this overdraft or should I just somehow choke up the money? I’ve never overdrafted in the several years I’ve had this particular account, so I would consider myself a good customer!
Clyde – so glad that you are perfect, for the other millions who have been getting screwed by the credit card companies and their bloodlust, this is a good start.
Now, how many banks will try to get a few more licks in, before the changes in February?
Anna, these new rules will not protect what happened to you. There is a huge difference between credit cards and debit cards, which are simply extensions of your checking account.
You are going to have to pay the overdrafts, and I highly suggest getting a checkbook register and recording every transaction you make.
clyde August 19th, 2009 5:37 pm
Never carrying a balance on your credit card is the best way I know to bypass all this hogwash.I don’t know what my credit card’s interest rate is,nor do I care.
LIKEWISE! A credit card is just another form of cash. Get the bill & mail a check that day.
Folks, Don’t buy things if you don’t have the money to pay for them please. Clyde, thanks for your comments and I am sorry that people resent your good discipline. You were raised correctly as a responsible person that understands the value of a dollar and has learned to respect it. It’s folks like hello world and chainsaw that contributed to this economy due to their disrespect for themselves and others.
Actually clyde is right…if clyde really wanted to contribute he might say things in a different way. Not post comments to boast about his awesome and responsible life through a blog. Do you really think that helped? Does anyone care about Clyde’s belongings in his house and how it mights smell? Absolutely not!
A response to help others would have been nice is the way I see it. Some people manage their money better that others, that’s life. Me personally I don’t carry a CC…who cares though?
Credit is just the “MAN” trying to keep a brutha down. Bottom line, don’t spend what you don’t have. I keep a zero balance credit card for travel and emergencies only. It gets paid off before 30 days each time. The credit card company tried to increase my interest for 9% to 28% last year. I called them up and told them I was leaving and they recanted. Always, Always read your statments.
Don’t worry about that BS about having credit in order to have a high FICO score. Manage your cash right, and you can buy anything you want.
The under 21 requiring a co-signer or job is very beneficial. I personally drove myself and see other drive thereself into heavy debt as a young 18 year old in college over credit cards. Fortunately I was one of the lucky ones who landed a great career in the military and was able to pay off that debt before it did too much damage.
I am a long time card holder of AMEX. They sent me a letter last week advising that my interest rate on balances carried would increase from 9% to 15%. No reason except that they can. I have NEVER been late in 20 years. When I called, they were not willing to do anything about it… They were getting their increases in before the law changed. Greedy…. Greed is what got us into this mess. I guess the financial institutions have NOT changed their way of thinkg or their ways…They are still greedy people.
I also agree with Clyde. Don’t charge more than you can pay off each month. Carrying a balance on a credit card is one of the worst ways to waste money because of the interest payments.
My son is now 42 years old, and had such a large debt as a result of horrible credit card companies sending him credit cards which he maxed out when he was still in high school!!! And the ones who called about his “late payments” were monsters.
I am so thankful that underage kids have to have co-signers, but I hope they have to PROVE their ages, so how do they do that with the credit card companies? I mean, after all, when dogs get credit card offerss, well…..
My advice to everyone is this…avoid credit cards as much as much as you possibly can. I have an excellent credit score, but that doesn’t stop the credit card company which I have from raising my interest rate too…just as they did with Samantah. As another poster stated, pay the balance off each month.
Clyde may not be perfect, and he may be a douche, but he’s dead right with his comments about paying off that credit card balance (down to the Big Zero) each and every month–as are those who agreed with him. It matters not one bit how much interest the greedy bank is charging you if you pay off that balance EVERY month. Discipline yourself to do this; it will be one of the wisest investments you ever make.
i’ll have to side with clyde on this one. he may not have said it in the most tactful of ways but he’s right – the easiest way to avoid all of this is to just not carry a balance.
@ samantah – i’m not for a second about to say that credit card companies are angels – far from it. it is, however, pretty narrow minded to think that it’s purely the greed of those evil corporations that got us into this situation. what about the greed of all the people that spent well beyond their means and racked up enormous amounts of credit card debt? don’t they have a hand in this as well? the credit card companies certainly aren’t helping with their less-than-ethical tactics, but who among us has been forced by a credit card company to rack up charges?
I have worked from home for more than 10 years. It’s the best thing that I have ever done! Big companies are cutting costs by hiring home workers. Below is a link to a FREE list of hundreds of LEGITIMATE stay at home jobs offered by known companies. These jobs do NOT cost you money. They are employment positions. I hope this helps some of you find happiness working at home like I have.
Do not worship at the alter of the all mighty FICO! I have been deeply in debt before and clawed my way out of it. I had a CC (with a zero balance) send notice a few weeks ago about cutting my available credit, so I called them and had them cut all the way to zero. I now NEVER have to worry about making a payment to them again.
Ever notice that the biggest buildings downtown are the bank buildings. Stop giving them money. It is too hard to come by to give it to them in “easy monthly payments”!!
Watch out for a shady co now with daily ads all over Craigs List that claims to be a top co to work for that’s selling a $37 monthly subscription for legal services. You have to pay for the services before they will even let you begin to earn – and its yet another MLM with whoever enrolls you making money off your sales and so on.
WAH Mom thank you for providing this information, I have daughter who is struggling to find a job I will tell her about the website and hopefully she can find something. It doesn’t cost anything to give a helping hand. Thank you
well decide if you want sex or save is up to you, but if your decision is save you can make it by using Atlanta coupons, is the very best way to save money
Just the basics: hot dogs, burgers, maybe bbq. Ribs, steak, kabobs, etc generally are too expensive and also time consuming. Besides that, keep the sides to a minimum also, no more than two or three. Everyone can bring their own favorite beer.
This is my policy for all cookouts I have because I’m the one paying and doing ALL the cooking. I want to enjoy it too without being stuck in the kitchen under a pile of bills.
Enjoy yourself! A cookout is one of the least expensive per person parties you can host. Don’t make a fuss about asking people to bring things. If your friends have any class at all they will bring something (a bottle of wine or some beer) anyway. If you are lucky you might find them reciprocating with an invite to a nice dinner party this Fall…where the fare will invariably be more expensive.
A cookout is the best way for people to mingle and let their hair down a little bit…..but i agree with smart guy…its kinda an unwritten rule..that..if you attend, u must aleast bring something to drink…
For serving a large group on a budget, I usually go for large cuts of meat (beef brisket and pork shoulders) marinated for about 48 then placed on the smoker. Cooks nice and slow and I don’t have to stand over the grill, not that I don’t love it. Burgers and hot dogs for kids. I supply the entrees, guests can bring the sides. Everyone is free to bring the beverage of their choice if they want something particular. Anyone caught bringing a chicken frank or turkey dog is refused at the door. If you’re vegan, I’ll make you a veggie burger, but that’s where I draw the line.
To all the brilliant economist commenting here,why don’t you stop itemizing all of the problems in America and with this program and put those noggins to work and offer a comprehensive solution. uh oh did i defeat your reason for existing ? stop bitching, complaining and acting like girly men talk and help all of us who have drank the Kool-Aid. You should be more patriotic ……..W
There are a lot of scams online but more legitimate opportunities than scams. I have been burnt out of thousands of dollars online in the past when I was brand new to this.(2004)
I was frustrated, devastated but after my pitty party I got back online to try it again. Too many people are making it work and who’s to tell me I can’t do something.
Finally I learned a few things about the net that allowed me to start making thousands of dollars online.
Keynote: Never give up!
The internet is the largest human destination in the world so it do provide legitimate opportunity for those who are willing to go the distance.
Just like in every neighborhood in the world opp = an opportunity to profit. Opp = other people problems.
If you think this is wrong just look around you at all the things you have bought that you did not make/grow yourself. The device you’re using to read this message with right now several people made a profit off that single sale.
I do not know how to work at home in the telecommute sense. Never researched it. But I do know how to make sales for legitimate online companies who will pay you or me a percentage of each sale we induce.
I wont go on here, just wont people to at least understand they should never give up hope if you truly want to get into working from your computer.
It’s for people who are already making some money online to a lot but it helps them to save time, money and advance even further but as a beginner you can pick up some tips on what you will be looking for and doing once you do get started.
If you find it informative add it to your home page via RSS Feed or bookmark it.
Thank you very much for the link-up on the McDonald’s coupons. I hope you are able to find them! I love your 12 Tips on Curb Appeal on a Budget. I’ll be sending my readers over to it soon!
Thanks Patricia for comments on the importance of budget. I’m getting on the right track and having a budget for my “fun activities” is one of the best things I could do. It helps me to keep things in perspective instead of spending spontaneously, especially in these times!
Nice…but totally unrealistic with the parameters the students have to work with. And even if you are allowed to paint walls, who wants to repaint walls at the end of their college year. They hardly want to clean their dorms like they are suppose to.
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Mr WordPress
June 30th, 2009
10:19 am
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To delete a comment, just log in, and view the posts’ comments, there you will have the option to edit or delete them.
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Tiffani
July 7th, 2009
7:14 pm
Great story! THANKS FOR THE INSIGHT!!! It’s always good to learn about different bargains in the city. Keep up the good work!
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Lisa
July 7th, 2009
7:33 pm
Welcome! I look forward to reading your cash saving tips!
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Leona
July 7th, 2009
8:27 pm
Sounds good!
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KC
July 7th, 2009
9:26 pm
Everything helps! Just please have a link on the front page so that you’re easy to find…
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D. Orlando Ledbetter
July 7th, 2009
11:08 pm
Got a cheap golf tip. Twilight fees at Foxcreek and Legacy in Marietta, $21, for 18 holes and a golf cart . (Even thought I really need to walk). Get out and 5 p.m. and finish before the sun goes down.
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rmg
July 8th, 2009
12:08 am
I could use a few good tips on deals. Look forward to your finds!
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Rana Cash
July 8th, 2009
12:16 am
Thanks guys. Don’t hesitate to send me tips and suggestions when you get them also. Post them here, or email me at rcash@ajc.com
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Sunni
July 8th, 2009
12:30 am
On July 17 Chik Fil A is giving a free meal to anyone who comes in carrying a cow bell or wearing a cow costume or anything related to cows to celebrate their Cow Appreciation Day…this is serious…look it up.
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Sunni
July 8th, 2009
12:32 am
If you need anything like furniture, electronics, games etc comparison shop on bing.com and amazon.com first…I promise you will save hundred of dollars!
For Low Cost Resume Help:
http://www.careerwriters.net
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Dawn
July 8th, 2009
12:57 am
Enter your comments here Note the correct date for Cow Appreciation Day at Chick Fil A is July 10th.
http://www.cowappreciationday.com/
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Dawn
July 8th, 2009
1:01 am
Note the correct day for Cow Appreciation Day at Chick Fil A is July 10th.
http://www.cowappreciationday.com/
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Thelma Sexton
July 8th, 2009
1:12 am
Rana, today is the first time I saw your money saving tips in the AJC newspaper. i enjoyed reading the money saving tips. Please keep the freebies listings. How often do you write these articles? Keep up the good work. I enjoy bargain hunting any time. I really enjoy reading the AJC daily,
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Thelma Sexton
July 8th, 2009
1:18 am
The AJC newspaper is a very informative resource. All news messages are given in detail.
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Amanda
July 8th, 2009
7:22 am
This seems like it will be very similar to http://www.JessicaShops.com, which is the absolute best for never paying retail. I look forward to seeing what you are offering here!
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Voice of Reason #1
July 8th, 2009
7:53 am
It looks like Rana Cash needs to take some of that money she’s saving and go get her HAIR DONE!!!!! Also, find some makeup and and get a makeover. C’mon, sisters. Stop looking like a dang ragdoll with these ‘dos’, etc. You’re a grown woman. Put some curls in your hair and make yourself attractive. And take Harriett Cole with you; she looks like she stuck her finger in an electrical socket. Look professional and polished, not unkempt. You have a comb? Take the time to use it. Stop this.
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BMcClain
July 8th, 2009
8:13 am
I look forward to hearing your suggestion as I have a family of 5 on a very small budget!!
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JButt
July 8th, 2009
8:22 am
The best deals in town this summer are at the DeKalb Libraries. There are free movies, music and book talks. No need for cash to be entertained.
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AJC Sports
July 8th, 2009
8:42 am
For everyone who lives on the Southside in the Forest Park / Morrow / Lake City area, here’s one SUPER discount we’ve found, courtesy of your friends here in the AJC Sports group that got the Cash Money stamp of approval (i.e. Rana saying “Wow… that is CHEAP!”)…
The Forest Park Recreation Department offers annual passes for their gym/weight room/fitness room for these prices (cheaper than anything we’ve personally seen offered by the corporate fitness places around the south part of town):
Forest Park residents annual fee (gym/weight room/fitness room) – $20 per person; $10 per person age 17 & under or seniors 50 & over
Non-residents annual fee (gym/weight room/fitness room) – $40 per person; $20 per person age 17 & under or seniors 50 & over
Daily fee (use of gym only) – Forest Park residents $5; non-residents $7
The weight room and fitness rooms are smaller than what you’ll find at the giant chain gyms but are well-staffed, clean and nicely equipped. The fitness room was recently upgraded with brand-new machines.
That’s just one example of a sports-related community resource we’ve found that’s a steal for the area residents. But we’re sure Rana would love to hear about the community rec centers, etc., in YOUR area that offer great fitness and leisure activities for a good price (either cheap or, better yet, FREE).
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dianne
July 8th, 2009
8:49 am
i need all the help i can get i am disabled and like alot of other people are on a fixed income any help would be greatly appreaciated
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ceraya
July 8th, 2009
8:57 am
I am looking forward to any help I can get in the “saving money” department.
This has always been a big deal for me and my family.
I think you look great just as you are!
Everybody is has a right to her/his own style.
I’m looking for what’s in your research ability to find the bargains.
Thanks
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mcrkitty64
July 8th, 2009
9:20 am
Cow Appreciation Day
Saturday, June 13, 2009 at 11:02pmShow your support for the cows while eating more chicken. Put on your best cow costume and join us for free fun!
Cow Appreciation Day
“Come dressed as a cow and receive free chicken!”
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csquared
July 9th, 2009
12:30 am
real brave Voice, spouting your nonsense behind a keyboard. Why dontcha walk up to the next sister on the street that you feel needs a makeover and tell her so. When you recover from that Ferrgamo upside your head, you can apologize. Until then, you’re just a troll.
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lovelyliz
July 9th, 2009
12:55 pm
Don’t be afraid of the clothesline
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JJ
July 9th, 2009
1:04 pm
From someone who grew up during the energy crises of the 70’s, it’s ingrained in to me to turn lights off in rooms we aren’t in.
I do all these tricks mentioned in this article. The other thing I do is turn the thermostat UP to 80 when we aren’t home, and at night when we are sleeping. I have ceiling fans in almost every room, and the one in the living room runs on high most of the time.
Curtains are great too. My house is so dark during the day, I feel like a bat.
I also have floor fans, one in the living room, the other in my bedroom. A little extra circulation doesn’t hurt…
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Rana Cash
July 9th, 2009
3:31 pm
Growing up, we always used a clothesline. Hated doing it at the time, but boy can I appreciate it now. If you can do it, it’s not a bad option.
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mamaj
July 9th, 2009
3:34 pm
I really don’t know what to do. I use some of the aforementioned energy saving tips and still my bill climbs. I am on the Georgia Power budget billing plan, but without fail every year, they raise my rates at the beginning of the plan AND in the middle, which doesn’t seem like budget billing at all to me.My A/C is very cold, so I keep it on at 82 degrees for about 2 hrs most days, then use my floor and ceiling fans until the next day and I am very comfortable. HELP.
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Rana Cash
July 9th, 2009
6:48 pm
Mamaj, give Georgia Power a call and ask them to come out and give you a free audit. They’ll identify saving opportunities for you. You could have leaky air around the doors and windows, may need more energy efficient lighting and/or appliances, etc…They can save you a few dollars that way — and it’s free.
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Cynthia
July 9th, 2009
7:01 pm
Good tips Rana – I’m not running my a/c right now. It needs a checkup and funds are low. All your other tips are good and I am doing them already. Thanks!
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Melynv
July 9th, 2009
7:06 pm
Enter your comments here
These are all great tips. I’ve learned that the trip to the store has to be planned like…a trip to the beach.
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Kassa Nova
July 10th, 2009
10:50 am
My date was a dinner at Friday’s on a Friday night. I used a “Buy One Get One Free copupon”. That ticket was around $18 after tip. Then for dessert went to Cold Stone for some ice cream to go. Ticket was $11 and change. Enjoyed some melting ice cream and good conversation with the sky line lights strolling through Piedmont Park. No price on that attraction and the rest was priceless!
One of my recession dates! Even without the coupon I would have been under $40!
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Tyree
July 10th, 2009
11:02 am
The photo above perplexes me. It must be one of the following scenarios.First, the two males in the photo a couple and the woman miffed at the site of public homosexual affection.Maybe Secondly, the male in the green stripe shirt just left her for the guy in the white tee shirt. I guess getting dumped by her boyfriend for another guy could have a way of being slightly annoying. Either way, I guess they both qualify as cheap dates.
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Friday, July 10th @ RAW NEWS | Rodney Says | Rodney Anderson Blog
July 10th, 2009
11:17 am
[...] 10 Purchases NOT to make with your credit card [...]
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Pam
July 10th, 2009
11:24 am
Tyree, I guess it’s obvious you haven’t seen the movie “I Love You, Man,” which is the movie that Rana wrote as a suggestion for a date. That’s where that photo came from.
Italian restaurants are the way to go for dates under $40. It was my favorite. Most, including Dominicks on the historic square in Lawrenceville, EXPECT you to order one meal and share it (it’s called family style). Their portions are huge. Let your date choose the meal ($13-25, order two Caesar salads ($3 each) and drinks (nonalcoholic under $4) all for under $40. Afterwards, you can stroll through downtown Lawrenceville and window shop or sit under the tree canopy near the historic Gwinnett courthouse in Lawrenceville.
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brave1
July 10th, 2009
12:20 pm
Question on the museum please: What does ‘first full weekend’ mean?
August 1 is a Saturday for example. Is the free pass for August 1 +2 then?
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Percy
July 10th, 2009
12:22 pm
Turn off the lights. Unplug all that isn’t being used lamps, tv, and computer. Doing these things really made a big difference on my utilities bill.
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kalalu
July 10th, 2009
12:23 pm
If you both have dogs, it’s nice to take a walk with your dog and sweetie in the park. it’s free!
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Longball
July 10th, 2009
12:26 pm
Outside Turner Field the other night, a lady in a late-model Cadillac offered me a “Date” for only $20.
The way she looked like she had already been worked over plenty, I thought she was overcharging.
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Rana Cash
July 10th, 2009
12:30 pm
Brave1, Exactly. For example, if only the Saturday or only the Sunday is part of the first weekend of a month, you’d go the following weekend. I’m told that because of lighter crowds, they aren’t enforcing the limitations that eliminate special exhibitions as part of the deal. That might change in the fall.
This just in: If you’re not busy right now, plan to go to the High Museum today from 2-4 p.m. for just $5.
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Frugal
July 10th, 2009
12:35 pm
I have been telling my now ex husband about wasted electricity for years. He always laughed at me so, so I took matters in my own hands. All appliances are unplugged in my house. No need for the toaster, blender, microwave, electric can opener, etc. to be plugged in when not in use. The only thing plugged in in my kitchen is the stove and the refrigerator. Yes, I take the phone chargers from the socket as well. I must admit, I was delighted to read #1 re: idle electrcity. Yep, always knew it wasn’t free.
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Frugal
July 10th, 2009
12:37 pm
Also, if you’re downstairs no need for the hallway upstairs light to be on. I do not waste electricity nor do I waste water. Never have, never will.
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Frugal
July 10th, 2009
12:38 pm
Also, if you turn your blinds the other way (backwards), it will block out quite a bit of the sun.
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Wise Diva
July 10th, 2009
12:53 pm
Great article Ms Cash! I have gone on a date at a homeless shelter, and volunteered at a church on a date before. FREE, just need time and opportunity. It’s a great way to get to know each other in a different environment and see how kind/un-kind they are
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Poor and gettin worse
July 10th, 2009
1:04 pm
The tip about unpluggin is really true. Think about the “spare bed room”: the tv in there,the clock radio,even the lamp…and nobody is even using it! I run my kitchen same as above:only fridge,dishwasher,stove,and microwave plugged in.
Look for stuff in garage: You probably dont need the drill to be charged unless it is used all time. Just charge it the day before u use it or on Friday nite for weekends.
I also am replacing my light bulbs with those new types,but they r expensive. I only change em after I have used up all my spare bulbs and then I look for coupons for the new type of bulbs. Alot of stores sell those bulbs in 2 and 3 pks and always shop around for price$.
Now if I could stay off the internet….(lol)
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JJ
July 10th, 2009
1:15 pm
American Express called me recently demanding to know why I had an American Express green card that I was not using (card had a high credit limit). I told them that I called several years back to say that I was not using the green card but instead all my purchases were going on my American Express Delta Platinum card and I wanted to cancel the green card because of the annual fee. American Express representative said at that time that I could not cancel the green card because it was tied to the American Express Delta Platinum card. Well, can you imagine how quickly they agreed to cancel the green card during that conversation! I could hear the keyboard clicking furiously.
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Frugal
July 10th, 2009
1:17 pm
@Poor and gettin worse ~ why the microwave still plugged in? Only benefit there is to tell the time. The oven clock or even kitchen wall clock can do the same. Everyone, UNPLUG YOUR MICROWAVES!
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brave1
July 10th, 2009
1:30 pm
thanks!
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Help
July 10th, 2009
1:43 pm
mamaj: What you can do to lower your electric bill is by unplugging items that you are not using. For example..at my home I only have my fan plugged in the wall when it’s in use. When it isn’t I unplug it. If you have a toaster, toaster-oven, coffee pot that you are not using, then unplug it. Just because it isn’t on doesn’t mean that electricity isn’t being used.
On Oprah once this lady said her utility bill used to be about $300 a month. She started unplugging ALL of her appliances and computer when she was not using them. She said her bill was now $80 a month. So try some of those things and they may work..Oh yeah…also purchase those GE fluorescent light bulbs. I have been using them and trust me they really do work. They use much less electricity than the regular light bulbs. GA Power usually give great tips on how to save energy. I always read what they have to say.
Good Luck!
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Help
July 10th, 2009
1:45 pm
One more thing…I am also on GA Powers budget billing and for the first time my monthly payment has gone down. Trust me – unplug your items when they are not in use and believe me when I say it will save you $$$ in the long run!
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Help
July 10th, 2009
1:54 pm
I forgot something else…I live in a Townhome and I have 2 boxes inside my home to control my air/heat. When we are upstairs, the air is turned up to about 86 degrees down stairs. When we are downstairs, the same is done upstairs. We only have the air or heat running when we are actually in that part of the house.
When I run my bath water (when I’m not in the bathroom)I turn my light off. When we are not watching television, we turn it off. If you have a flat screen tv do not choose the ‘movie theater’ option…that burns too much electricity. Use the ’save energy’ option for your t.v. It works just fine.
Also don’t forget to only have your ceilinig fan or any other fan on when you are in the same room with it.
I only turn on lights in my home when it’s dark outside. Since it’s summertime lights are usually not turned on in my home until around 9 p.m. With the exeception when it’s dark early in the morning when I get up for work…
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Stan
July 10th, 2009
2:19 pm
I odn’t know WD…a date at a homeless shelter…didn’t you ask just the other day about how to tell if you were dating Mr. Cheapskate? That’d be a good first clue
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Relationship Expert
July 10th, 2009
2:38 pm
A $40 date seems mighty lavish to me. Consider: picnics, walks in the park, walk the dog, Wednesday night Supper at Church, cane pole fishing from the bank or dock, ‘a wash two cars’ event, people watching, and suntanning.
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Michelle
July 10th, 2009
4:14 pm
I have an oscillating tower fan that I put right in front of me when I’m on the couch watching tv and I feel comfortable when the room temp is 84 or 85 degrees.
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Rana Cash
July 10th, 2009
5:40 pm
Relationship Expert: All great ideas! I put a $40 cap on it, but I think all of my suggestions came in well under that wire. I must ask: what’s a ‘wash two cars event’?
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Willie Brown
July 10th, 2009
6:12 pm
I worked from 5 years old, until I was 59. (53 years, one month). I am now 69. Did not have electricity until I was 12 years. Had out door plumbing when I joined the Navy at 18 years old. I saved for a rainy day. It is now raining. I keep my house as cold or hot as I prefer. I normally shower, but take a bath when I feel like it. I eat out 1 to 3 times per day. I drive a large car, and RV. Take long trips. I enjoy my old age. I save money where I can, so I can waste it some where else. I am glad I am ME. I wish everyone could be as blessed, (lucky) or what ever, as I am. I have great health insurance, lots of spare money. I give to those I know that need help. Good Luck, and GOD Bless.
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cc
July 10th, 2009
8:11 pm
i can’t believe that you forgot the timers… for those of us who are bad about remembering to turn things off when we leave.
also, i recently saw the reviews on how much energy idle appliance in the kitchen use. ouch! glad we are not living the 80’s
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TL
July 11th, 2009
8:33 am
My husband and I love to go to the Planetarium show at the Fernbank Science Center ($4/ticket), followed by dinner outside at Fellini’s or La Fonda on Ponce,
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debbie
July 11th, 2009
9:38 am
since last weekend was the 4th and the museum was closed, does that mean today we can go to the museum free?
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debbie
July 11th, 2009
9:41 am
does the museum have motorized something or special wheelchairs for the handicapped to view?
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cheap lick
July 11th, 2009
6:02 pm
the hot water heater uses about $20-30. a month depending on what the temp is set at. i set mine to 120* and only turn it on just before a shower (heats the water in about 15 min’s) then turn it off. same when i have to run the dish washer and clothes washer. my a/c is set at 79* and i have the ceiling fan cranked to full throttle and let the wind chill factor take over. makes for very cheap comfy.
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Duh!
July 11th, 2009
6:32 pm
10 Things … did you not see the “READ MORE” link at the bottom of the text?
Disappointing that it just led to some other website. AJC continues to prove that it is unable to create unique content. Sad
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ATL Guy
July 11th, 2009
7:29 pm
I have an attic fan and at nights or not so hot days it cools the house much better than having to use the central air. Besides it runs a lot cooler. Just make sure you have a screen over your windows or all the bugs will be sucked into the house.
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Good Speller
July 11th, 2009
9:09 pm
If you use your CC to purchase lottery tickets, they might think ‘you’re’ irresponsible. Not ‘your’ irresponsible. ‘You’re’ is the correct word, not ‘your.’ Love the column, but yeesh! Spell check is NOT ‘proper word check.’
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lovelyliz
July 12th, 2009
8:00 am
Does it really matter? Owe too much/ don’t owe enough, raise your interest rate, lower your FICO score. Spend too little/spend too much, raise your interest rate, lower your FICO score. Use the card too much/don’t use it enough, raise your interest rate, lower your FICO score. If you pay off your card every month, they may very well cancel the account on you, lowering your FICO score. I agree some spend behaviors are more agregious than others, but they can for any reason,not particularly because of anything you are doing raise your interest rate, lower your FICO score.
Your dog passes gas, raise your interest rate, lower your FICO score..
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toni
July 12th, 2009
8:49 am
I cut up all my credit cards. Was surprise when one of them called me offered to lower my rate from 23% to 10% for one year. The reason being is that I had destroyed the card and they wanted to raise the rate and I opposed it. I keep send the same amount that I have always sent and since I am fixing to have another paid off it will free up more money to send them to pay it off in the year.
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Marcus Graham
July 12th, 2009
8:57 am
10 Purchases NOT to make with your credit card ….
ABSOLUTE DRIVEL! No where does this guy cite his sources. Furthermore, for a lot of the purchases that he mentions, the level of detail is not that great to know what was purchased. For example, on his Web site, he says don’t be retreads. WTF!!??! When was the last time Kaufmans or Butler’s coded the credit card transaction (NOT THE RECEIPT) as a retread pruchase?
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SharonH
July 12th, 2009
9:27 am
That sounds like absolute garbage. I know I won’t be buying that guy’s book.
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MC
July 12th, 2009
9:41 am
Don’t spread unfounded rumors that “if you buy X, they’ll cut your credit.” Show us the facts or shut up. Credit card companies don’t know *what* you’re buying, only the name of the merchant and the total amount. Any credit card companies that actually penalize customers for particular kinds of purchases are going to lose business to those that don’t.
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Dinty Moore
July 12th, 2009
2:10 pm
This article’s crap. I’ve never seen a place that would accept a credit card for lottery tickets. Only cash. Most porn purchases come back as “so and so sports bar and grille”. Never seen nor heard of a credit card company doing what this article claims. My guess is the AJC was hurting for material for the paper and asked someone who normally sleeps outside on the sidewalk to come up with an idea for a case of ripple.
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valkerie
July 12th, 2009
3:16 pm
Walmart will only allow you to use 1 online printed coupon per shopping trip.
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lovelyliz
July 13th, 2009
2:31 pm
I do yard work, but the neighborhood I live in, like most built in the last 20 years has no sidewalks. Walking in the street means taking your life into your hands. That is when it’s not toooooooooo hottttttttttttt
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Stan
July 13th, 2009
3:13 pm
Ramsey is the Man!!!
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Matt Winkeljohn
July 13th, 2009
11:09 pm
Cycling is where it’s at. I just can’t seem to find the time to do it the way I enjoy it, which is for 45 minutes or more at a time. Easy on the joints, which is an issue for me. Faster than running, too, so I don’t get so bored. Can be dangerous at times, though, especially with the way folks drive.
I do my share of yard work, too, and have spent a lot of time in recent months finishing construction of a lake house in N. Ga. No question that activity has kept me in better shape than if I had not been so busy.
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wle
July 14th, 2009
9:44 am
bike
wle.
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Suzanne A.
July 14th, 2009
11:28 am
Thanks for the information! Another great resource for this information is http://KidsMealDeals.com – as the database is serchable by zip code, day of the week and mileage radius. Enjoy!
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scottie dog lover
July 14th, 2009
12:19 pm
Tried this….Publix does not have any coupons. Anyone know what’s up with that?
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Rana Cash
July 14th, 2009
1:11 pm
Scottie Dog Lover: I just called the Fox Theatre to confirm that the deal does not exclude any Publix locations that have Ticketmaster outlets. I’ve alerted them to your problem, and my contacts at the Fox are reaching out to the corporate offices at Publix. Let me know if you run into any other problems.
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Norvee Michelle
July 14th, 2009
4:42 pm
I’ve done a date volunteering for Habitat for Humanity. It gives real insight into the person you’re with!
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Norvee Michelle
July 14th, 2009
4:43 pm
Oh, and what about Applebee’s 2 for $20 meals?
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Denise
July 14th, 2009
5:24 pm
There is also a Flying Biscuit on Northside Parkway (Northside Drive going towards Cumberland Mall) next to blockbuster in the Houston’s plaza.
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Marcus Graham
July 14th, 2009
5:59 pm
These are really all crappy places to eat and the nutritional value for foods at these places is not that great. Especially if you are trying to feed a young one.
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Rana Cash
July 14th, 2009
6:25 pm
Hey Marcus. Crappy? Ouch. Flying Biscuit has lots of healthy meals. You can get grilled fish/chicken, etc.. at Applebee’s, Joe’s Crab Shack and Picadilly. Salads at Atlanta Bread. I admit, it’s not the gold standard, but there are certainly some healthy options. Be on the lookout for a blog about ways to give your kids healthy snacks on a budget.
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Tiffani Tucker
July 14th, 2009
6:58 pm
I must disagree w/ Mr.Cash.. who obviously doesn’t get out much!! These places all have very healthy alternatives!! One must remember you dont have to order the Burger and Fries… Their are fruit and veggie alternatives.. as well as chicken and fish..And in lieu of soda their are different juice and Milk alternatives… I like to take the kids to Applebee’s for their kids night!! and the portions fill them right up!!!
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A
July 14th, 2009
7:32 pm
Kara Mia in Alpharetta closed a few months back. A Qdoba Mexican restaurant just opened up there.
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jack
July 15th, 2009
12:05 am
Marcus has issues,,,, dude,,,You can find perfectly healthy meals at every one of these places. And take a suggestion,, stay home,, the atmosphere at these places will be much nicer without your uppity self there.
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Marcus Graham
July 15th, 2009
12:16 am
No, I don’t have issues. If you take the time and READ the nutritional information or inquire about the fat/calories in some of the meals at ALL of these places (including the Flying Biscuit) you will see that your will quickly exceed what your your kids daily calorie allowance, Even using 2,000 calories as a guide for an average weight/healthy height weight kid, you’d only have 666 calories to allot for your kids meals AND that assuming that he she only ate 3 meals and had no snacks at all during the day. Juice–even 100% fruit juice has calories, milk–even 2 percent has calories!
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Marcus Graham
July 15th, 2009
12:29 am
Read Jay Bookman’s colum on Why America is fat and then read this
http://www.cnbc.com/id/26007409
PAY CLOSE ATTENTION TO THE LAST GRAPH!
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Cmill
July 15th, 2009
9:43 am
A little thing called HOPE
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catlady
July 15th, 2009
9:48 am
I went through college in less than 3 years by going during the summer and taking massive overloads. We did not have AP back then. It was tough, but I graduated 2 weeks after I turned 21. My dad did a 5 year program in EE at Duke in the late 40s in 3 years. Students must know where they are headed and be willing to be single-minded in getting there, and not too many current students are like that. They should avail themselves of AP or dual enrollment. They must also have a good source of funds, no debts (like a car or credit card) that they must pay, and be able to get the classes they need (good luck on THAT at many Georgia colleges!). Put all those together and of course you can graduate more quickly. Too many parents and students don’t make the sacrifices that allow that to happen.
And I would correct your poll: most students spend far longer than four years to complete their degree. The average time to degree completion nationally is closer to 6 years.
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PappyHappy
July 15th, 2009
9:49 am
As part of this discussion, when will we start asking the question: WHY DOES IT TAKE UP TO SIX YEARS TO COMPLETE A FOUR YEAR PLAN?
It was recently reported that upwards of 53% of students pursuing a four year program, were taking six, repeat six years to complete their bachelor’s degree. The same report laid a lot of the blame in students coming to college UNPREPARED for college level work, yet, they had A’s and B’s in high school.
Just how bad is grade inflation in public schools? In Georgia, how much pressure is placed on susceptible teachers to make their students ‘HOPE Qualified’, only to find the student lose the eligibility the first year, and incurring increased cost while in college (in taking remedial courses in primarily math, science and English).
Some would argue that the ‘four year experience’ is fastly becoming a ‘thing of the past’.
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Kristin
July 15th, 2009
10:07 am
PappyHappy,
Some of those who are take longer than 4 years to complete their Bachelor’s are also non-traditional students. There are record numbers of those who are over the age of 25 going back to school and simply because of life constraints are unable to commit to a full course load each semester. There are also some students who have to take a semester or two off simply to work and save up for tuition.
With that said I do agree with you that High Schools are not adequately preparing students for college. I went back at the age of 27 and I was shocked at the lazy attitude of those who were 18-20. They wouldn’t come prepared for class and would simply try to negotiate a better grade come test time. I agree that there is simply too much grade inflation on the High School level. C = Average and most students are average.
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Wareagle87
July 15th, 2009
10:15 am
I overlooaded during winter quarters(no footballgames) and went summers to graduate in 3 years because I couldn’t wait to get into “real life”. Years later I realized what I’d missed by rushing through. My son will start college this fall and I’ve tried to emphasize to him to “stop and smell the roses” that the “real life” I wanted to hurry up for can wait…and wait…and wait…
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RAW NEWS | Rodney Says | Rodney Anderson Blog
July 15th, 2009
10:27 am
[...] US Mulling Mortgage Aid For Unemployed [...]
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The Truth
July 15th, 2009
11:00 am
PappyHappy and Kristin both make good observations. The cost of college and living expenses is so high many students work part-time or full-time jobs while they attend college which may extend the college experience. Also, many Georgia high school grads must spend 1 to 2 years in remedial classes before they begin college level coursework which also extends the time needed to complete a degree (an associates takes 3 or 4 years instead of two and a bachelors takes 5 or 6 years instead of four). To illustrate this point, look at the other AJC article regarding the 113 schools in the metro-Atlanta area that failed AYP goals. Some of those schools have been traditionally perceived as “good” high schools – what a shock back to reality.
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Cherokee STH
July 15th, 2009
11:01 am
As long as your degree isn’t in basket weaving or Babylonia social structures, after college you start your employment path. This means you are beginning to make money and work your way up the ladder of your chosen field. Compared to students who stayed in school for a year (or three) more, you are much further up the food chain. I blasted through college and law school at a cost to the social experience, but since mommy and daddy weren’t paying for it…that was the breaks. I have let my kids take more time, but unless its on your dime…college is a job…not a party.
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Cherokee STH
July 15th, 2009
11:04 am
Also, remember that the schools encourage kids to take longer. They are paying customers and it is far cheaper to keep the ones you have than get new ones. I have three kids in college. Every single college counselor paid “lip service” to the “I’ll get your kid out of here in four years” mantra, however, every single college presented the kids with 12 or 14 hour bs 1st semesters…all with non transferrable “intro to my school” courses, that would have put each one a semester behind by year one. We had to literally fight to get realistic course loads.
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Mom of two
July 15th, 2009
1:13 pm
I think the key here is, don’t go out every night. If you are feeding your child healthy at home then the occasional night out meal will not be that much of a factor in terms of healthy eating.
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Eat or Don't Eat
July 15th, 2009
1:47 pm
Marcus who cares! Please stay home and reframe from feeding your children so you want need to concern yourself with calories. I believe you have issues (Jack is right). I guess fat kid issues. My children consume healthy balanced meals at home daily; however, they love to eat at some of the restaurants mentioned. They are able to maintain healthy teeth, iron, and great athletic size. My daughter runs track, dance team, and loves basketball. My son is on a swim team, basketball, football, and baseball. What is your problem? On a serious note, let them eat and allow them to work – out ….(exercise)…. is the key. Remember eating out is not home cooking and chances are it lacks the quality of what you can prepare or provide for your children. The best option for you is to STAY HOME!
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Josh Maxwell
July 15th, 2009
2:31 pm
I discovered your homepage by coincidence.
Very interesting posts and well written.
I will put your site on my blogroll.
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Stan
July 15th, 2009
2:53 pm
I’ve worked on my own cars for years. It seems that everytime I take one to a shop for repair, they try to screw me over somehow. IF I’m careful and do research ahead of time and while doing the repair myself I find that I come out way ahead. That said I also enjoy the work and the learning. I also already have a good collection of tools that if I didn’t have it would not be worth going to buy them for a one-off repair.
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David
July 15th, 2009
3:39 pm
I was told they no longer print the coupons. You have to purchase them at the Publix through ticketmasters and pay the fee. You used to get coupons and use them at the Fox box office and didn’t have to pay the ticketmaster fee (Which I hate to pay)
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Herd89
July 15th, 2009
4:30 pm
For the ladies, take time to learn a little bit about cars. My brother and father always worked on cars so I have more some knowledge and it goes along way when dealing with potentially dishonest car shops. Love the idea of asking for the used parts. Quick oil change places are known for showing you a dirty filter that wasn’t from your car. Your car is a big investment and is worth studying.
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Leah
July 15th, 2009
4:47 pm
Many years ago I dated a guy for two years who became a mechanic for an American-made (rhymes with cord) car dealership. He said the guys there would do things such as loosen bolts so that car owners would need to bring their vehicles back for more “repairs”, thus generating revenue for the dealership and keeping the mechanics employed. I once bought a Kia and religiously took it to the dealership for scheduled maintenance, but still the payments lasted longer than the car. Then I bought a new Jeep Liberty and have driven it for 6 years/163,000 miles without a single tune up and so far no problems…knocking on wood.
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Jacquie
July 15th, 2009
6:25 pm
I just had a mechanic replace a fuel pump on my vehicle when it only needed a new battery. Cost me $700 bucks, parts and labor! (scowling)
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Rana Cash
July 15th, 2009
6:29 pm
Jacquie, I’m so sorry to hear that. That might be the worst story I’ve heard so far. One of the key tips here: get referrals from friends, colleagues and associates. Don’t walk blindly into a shop. Check the shop’s website for reviews as well.
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Mike
July 15th, 2009
7:06 pm
Fuel Pumps don’t even cost that much… it’s the labor that is killing it. I have changed a few pumps in my day. Some minor repairs can be done at home. I don’t have to pay 30 dollars for an oil change.
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Autoteacherman
July 15th, 2009
7:06 pm
My wife and I owned and operated a service business years ago. Most car repairs today are not intuitive or easy. One mistake and you can get hurt or worse, much less you will spend a lot of time and money and still have a problem. If you are gifted in electrical and mechanical knowledge you can fix your own car by using resources on the web. Otherwise don’t try. Find some one to trust! If we held our Doctors to the same standards as we do our auto technicians it would be a different world. Check with your BBB and AAA for a good shop. Build a relationship with a good techncian. Dealerships are not all bad.
Don’t let a shade tree mechanic touch your car!
http://www.autoteacher.net
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www.warrantyelite.com
July 15th, 2009
7:35 pm
I agree with all the comments above, people are keeping their cars longer and they need to ensure they stay running properly. That is why I have started a company called https://www.warrantyelite.com. We sell Vehcile Service Contracts/ Warranties direct to consumers over the Internet. Our product is backed by an A rated Insurance Company and allows you to take your vehicle to any dealer or auto repair facility in the United States or Canada. We will be launching the site within the next 30 days.
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BleedGOLD
July 16th, 2009
6:56 am
Actually, Costco sells tickets to both movie chains but are $14.99 and $15.99…and these tickets can be used ANYTIME! It’s a super deal. Buying your movie tickets alone through your membership year will pay for the membership itself!
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David S
July 16th, 2009
8:09 am
Pet “insurance” is doing to the cost of veterinary care what “insurance” has done to the cost of human health care – shot it right through the roof.
Insurance is something you buy to mitigate against RISK. Shots, annual checkups, and the like are not RISK. They are maintenance. You wouldn’t expect your auto insurance to cover oil changes or the inevitable part breakage (although that industry is being equally corrupted). Why would you expect your medical “insurance” to cover it? Every time a vet (or a physician for that matter) has to deal with an “insurance” company (let’s face it, these are really pre-paid medical plans), he incurs more cost than if you just paid the bill in cash/charge. He has to pass that cost on. The next thing you know, prices are skyrocketing. Worse, because they know that “insurance” is available, they are more inclined to charge more, or because they take so much “insurance,” they have to hire more staff to deal with the miserable “insurance” companies. Everyone who enters the office, whether paying in cash or covered by this abomination will have to pay more to cover these new costs. Just look at the doctor’s offices you go to. All that staff behind the counter is never involved in caring for you. They are all just there to deal with the insurance companies. High deductible insurance with much lower monthly premiums that is designed to specifically cover calamities (cancer, major injuries, etc. in both humans and pets) would be a far better approach, but the “insurance” companies and our employers have convinced us all that we should not have to pay a penny for our own good health.
Pet insurance is the wrong direction for veterinary medicine to head. If you can’t afford a pet and its costs, don’t get one. Third party payer insurance type plans have destroyed human medicine and driven those costs out of this world, and I can tell you as someone who has owned pets for 2 decades now, the price of vet care is being equally elevated by these horrible plans.
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Stan
July 16th, 2009
9:02 am
Pet insurance is a tip to save money? The math doesn’t generally work with that IMO. If you keep in mind that animals do require ongoing care and budget for that accordingly then the ins is a bad idea.
I do agree with keeping up with their teeth and exams including heartworm etc.
Also if you have a specific breed then you may look into that breeds rescue group to see if they have a vet recommendation.
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anne
July 16th, 2009
9:09 am
I agree with Stan on pet insurance. I thought I read that Clark Howard had recommended against pet insurance. I would also add: don’t forget that monthly heartworm and flea/tick protection for your pet. At first glance, it might appear cheaper to skip those meds, but, ultimately, prevention is less costly than treatment for heartworm, etc.
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Author, No Sucker Left Behind
July 16th, 2009
10:13 am
Every year of school requires more costs, and more “opportunity costs” of lost income when not working full-time. Therefore, I generally believe in a “need for speed”: to keep your costs as low as possible, finish as quickly as possible.
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Melynv
July 16th, 2009
11:42 am
I recently tried a Kroger pasta sauce($1.15) and my family enjoyed it. Compared to Prego($2.20), which is what I usually buy. If you’re penny pinching sometimes it’s good to compare name brand and store brand items. It’s more about quality for me.
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MJ
July 16th, 2009
12:13 pm
The insurance, may be a better option for those with older or injury-prone dogs. But I agree that maintenance can alleviate the need for costly vet care down the road.
Guess I need to be better about brushing my dog’s teeth! Thanks for posting this Rana.
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Stan
July 16th, 2009
12:15 pm
I have no problem with most store brands, the exception to the rule is the Kroger brand coke and diet coke, but I think that is cause they are based on the pepsi line…boo pepsi
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Mel
July 16th, 2009
12:16 pm
The name brands we buy are: trash bags, freezer bags and toilet paper. Everything else is fair game.
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itamazesme
July 16th, 2009
12:17 pm
I buy alot of store brands. With food items, I compare the ingredients and if they are similar I get the store brand. I have run into some store items that lack quality as well as taste, but for the most part to save money – I buy generics.
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Stephanie
July 16th, 2009
12:33 pm
I wish Kroger or Publix had a program like the Lowes Foods e-Offers progam. To bad they are only in the Carolinas. They have great store brand products that are significantly cheaper then the name brands plus they have a digital couponing program that gives additional savings. Currently they have about 130 digital coupons. Many of those are for store brand products making them even cheaper.
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E
July 16th, 2009
12:34 pm
My father, who was a truck driver for 26 years and delivered to food manufacturing plants across the country, says a lot of the store brands and name brands are manufactered at the same facilities. So you’re getting the same products (maybe minus some key ingredients in some cases, but oftentimes not) at different prices.
I always shop at Kroger, and would recommend: Kroger brand milk, all breads (sandwich, buns), deli meats (comes in containers) Kroger Premium Ice Cream, pasta sauce, spaghetti, canned vegetables, canned chilli, cereal, cheese (deli-style that comes in a resealable pouch), french fries, union rings, hash browns, instant potatoes, instant flavored rices (or other side dishes), prepared salad, salad dressing, and drink mix (the store’s version of Crystal Light).
I won’t recommend: store brand refrigerated cookie dough, refrigerated cinnamon rolls, soda, and potato chips.
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Jan
July 16th, 2009
12:42 pm
I buy lots of store brands-Kroger Cereal, Diet Dr. K (can’t beat it at .69 per 2 liter!), deluxe mac & cheese, sauces, breads, milk, eggs, cheese. This list goes on. I have yet to be disappointed.
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Andrea
July 16th, 2009
12:43 pm
I have really tried store brands vs. generic and have really spent time and effort to get (what I consider) real test results. I have secretly switched items on my family to see if they know the difference.
Thumbs Up Cereals: Malt O Meal cereals. Much cheaper. Now, when testing cereals of Kroger brand vs. Publix brand, the Publix brand won every time.
Thumbs Up Peanut Butter: Publix
Thumbs Down Peanut Butter: Kroger – tended to get oily too quickly.
Thumbs Up Bread: Publix
Thumbs Down Bread: Kroger & Wal-Mart (my family didn’t like them)
Thumbs Up Condiments: All scored well (taste)
Thumbs Down: While the taste was good, the Kroger and Wal-Mart brands have a higher concentration of sugar per serving.
Frozen Dinners: I only tested these b/c I try not to give that to the family. I take them for lunch sometimes. NONE scored well with me.
Frozen Veggies: All scored well. The Kroger spinach for some reason is very watery. Overall, no complaints.
Milk: Whatever is on sale!!!
Butter: I am an avid baker and I found no difference with baking when using the generic brands vs. the name brands (Land o Lakes).
Sandwich meats – Try to get the deli when available, because ALL of them, name brand and generic, have too much liquid (which adds sodium).
Salad dressing: No difference. My family could not tell the difference between the generic brand and the name brand.
Crackers/Croutons:
Thumbs Up: Publix brands
Thumbs Down: Kroger brands
Thumbs Up Paper Towels: Wal-Mart brand and Publix brand.
Thumbs Down Paper Towels: Kroger – too much lint residue.
Thumbs Up Cleaners – Publix, Kroger, Target, & Wal-Mart all scored well, except the items listed below. I tested kitchen and bath products.
Thumbs Down Cleaners: Kroger brand window cleaner. Kroger brand pine cleaner.
Now, I could go on, but the best non-name brand I have found is the Costco brand. Their stuff is very good and well priced. Since I do have a family, the bulk sizes work well for us.
I have also found, that when you use your loyalty savings along with the manufacturer’s coupons, you can come out equal to or in some cases cheaper than the generic brand. It is work to clip the coupons and match the sales, but the savings for me have been worth it.
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AfraidOfYourOwnShadow
July 16th, 2009
12:46 pm
I find that the quality of most PUBLIX and CostCo (labelled as Kirkland) store-brand products OFTEN is at least equal to – and in some cases superior to – the National Brand. The one exception I have found is Publix COOKIES (NOT bakery – the packaged competitor to Keebler etc) tend to have a bit of a hard “chemical-like” taste to them rendering them inferior. I will NOTE that I have NO PROBLEM substituting Publix Soft Drinks (12 pack of cans = $2.79) for the big name sodas – mostly prised around $4.69/12. All other products, work for me and save me money. With the National Brands – you are paying for all those commercials.
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Tyree
July 16th, 2009
12:50 pm
I go the big box Sams warehouse club and buy there non perishable store brand items and find they work equally as well as the name brand items. To save money I also split the annual membership with a relative too. An example being toilet paper, aluminum foil, paper towels, laundry detergent and alike. Kroger has very good dairy products, canned goods, breads, and other assorted items that cost less without any sacrifice on quality. Publix is equally as good if not superior in the dairy avenue. I actively search out the house brands to save money. For some unknown bizarre reason the only item I won’t fudge on it ketchup. I must have Heinz. Go figure.
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Follow these tips to reduce your vet bill | Atlanta Bargain Hunter | Pet Health Daily
July 16th, 2009
12:59 pm
[...] is the original post: Follow these tips to reduce your vet bill | Atlanta Bargain Hunter No TweetBacks yet. (Be the first to Tweet this post) Share and [...]
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Rana Cash
July 16th, 2009
1:07 pm
Guys, thanks for the suggestions. I’ve started trying a new store brand each week, and have yet to be disappointed. This week: Publix brand dishwashing liquid.
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Dr. Doug Kenney (petinsuranceguideus.com)
July 16th, 2009
1:43 pm
David is right that pet insurance is a risk management tool for unexpected and unplanned for accidents and illnesses. He is also right that coverage for routine maintenance procedures isn’t what insurance was originally designed to do, and most pet owners are paying for this already out-of-pocket.
However, saying that pet insurance is what is driving the costs of veterinary care through the roof is a stretch. Increase labor costs, government regulation and taxes, more availability of specialists, and increased use of higher technology e.g. digital radiography, CT scans, MRIs, ultrasound, etc is what is driving the costs of veterinary care upwards and making pet owners look at pet insurance as a way to bridge the gap between these increased costs of quality healthcare for their pets and what they can afford. There aren’t enough pets insured in the U.S. to influence these costs at this time.
Also, at the present time, pet health insurance doesn’t resemble human medical insurance at all. Therefore, there is minimal paperwork involved. As long as veterinarians and pet owners resist the drift toward the “managed care” nightmare of other healthcare professions, I expect overhead cost to remain minimal. So far, pet insurance companies have endeavored to keep the time and paperwork required by veterinarians and their staffs to a minimum.
As far as planning ahead and saving up for ongoing care, etc. – that’s always a good idea. But, it misses the point of also purchasing pet insurance which is for those things you can’t or don’t plan for.
All the tips given in the article are good tips that do work to save pet owners money. Will all pet owners who get pet insurance save money on their pet’s healthcare? No, that’s not the intent of pet insurance. But, for those pet owners who have a significant vet bill when their pet gets sick or injured unexpectedly, it can be a life-saver for the pet and money saver for the pet owner if they have pet insurance and have chosen the company and policy wisely (that’s a whole new topic).
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Turd Ferguson
July 16th, 2009
3:12 pm
Im waiting for Rana to come over and cook dinner.
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Jesse
July 16th, 2009
5:41 pm
As a person close to the field, these are some great ideas. Preventative medicine is always less expensive than treatment of disease. The insurance idea doesn’t always pan out but in the case of a metro area, it should be a good choice. Most of these articles are bashing the vet or the field. It’s nice to see one that is trying to find the middle ground.
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Marcus Graham
July 16th, 2009
9:58 pm
Gee, you can’t even post here.
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Michael
July 16th, 2009
9:58 pm
just watched Equitrekking on TV riding horses at jekyll and sea island and visiting cumberland island national park. they hit the parks and horses. just no wine. looked like a romantic date option. on PBS.
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Marcus Graham
July 16th, 2009
10:01 pm
Like my EARLIER post said, these ideas are not original and are BORROWED from some other original source.
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Rana Cash
July 16th, 2009
10:11 pm
Marcus, you’re right in that I didn’t create any events, shows, restaurants, etc…These are all suggestions, reminders of places and things people may not have thought of recently. Especially people who’ve been minding their money and have been hesitant about getting out and enjoying themselves on a date. No need to hold back. There are plenty of things to do and see around metro Atlanta. If by borrow you mean looking around and doing a little research for the Atlanta Bargain Hunter readers, you’re right on point.
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Rana Cash
July 16th, 2009
10:15 pm
Also, check out two other posts in the last two days for unique, local content that you wouldn’t have seen elsewhere — blogs on store brands vs. name brand grocery products, and the blog on tips to save money on auto repairs. Hope that helps
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Sue Rodman
July 16th, 2009
10:50 pm
Rana, Thanks for the plug for Field Trips with Sue. FYI – You can visit Georgia’s State Parks and Historic Sites for FREE also by checking out a family pass at any library. We went hiking at Tallulah Falls last weekend and it was amazing.
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Sue Rodman
July 16th, 2009
11:07 pm
Forgot to add the blog post address
http://fieldtripswithsue.blogspot.com/search/label/Panola%20State%20Park.
Note – I confirmed with the Georgia State Parks this week that it’s NOT just Fulton County library branches that have a family pass available for check out, but ALL library branches in Georgia. Note in the post about the Free Zoo Pass too!
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greg sorrow
July 17th, 2009
8:06 am
(1) Save walmart and Winn dixie grocery bags and either use as trashcan bags or to put refuse that might start smelling (2) Purchase 24 pack of soft drinks and take to work instead of purchasing them individually in the work cafeteria. The 24 pack is about $4.75 vs $12.00 if purchased individually. (3) Go to stores like Sav a Lot where can goods are stacked, customer service is minimal, and you bag your own groceries, that is if you want to buy them or bring those same walmart bags and use them again. (4) Get a part time job at a store like walmart for extra money and an employee discount card that saves you 10% on many items there.(5) Get a walmart or kroger gift card where you can save .03 per gallon of gas.
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anne
July 17th, 2009
8:12 am
Rana – love the topic! One of my favorite memories of my Grandmother: I’m cleaning up after dinner and took a paper towel to clean off a plate. Grandma saw me and said “Are you a millionaire? Use one of the napkins from dinner!” The woman was known for re-scraping the bread dough after my Mom had scraped it out and adding enough flour to make a small coffee cake. And no one could pick a carcas clean (for soups and stews) like Grandma and Mom! To this day, my sisters and I will say “Yes, let’s save the carcas, but you know I won’t get all the meat off like Grandma and Mom!” Fond memories and good habits that I find myself returning to. And yes, I say to my daughter: “Are you a millionaire? Turn off the lights, use the napkins from dinner, and on and on.”
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Brad Steel
July 17th, 2009
9:40 am
Funny, I don’t remember growing up with you.
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REANNA ASH
July 17th, 2009
10:25 am
I have a never ending swwet tooth, to satisfy that sweet tooth I go back to my cildhood. My Grandmama would save leftover rolls, the end of a loaf of bread and make the most delicous bread pudding, cheaper than Sara Lee.
She would also flavor tea with some of the juice or syrup from canned fruit what a nice refreshing treat for the summer
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E
July 17th, 2009
11:34 am
One of the biggest ways people spend or waste money is by going to rent-to-own stores to get televisions, washers and dryers, and other items. The amount of money wasted is crazy.
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MrHughes
July 17th, 2009
2:08 pm
Honestly, I see where Marcus is coming from. These places provide cheap meals. Often the cheapest food is the most devoid of nutritional content! As the saying goes, “the cheap is very expensive”. And, it’s not just about making sensible choices. The “Eat This Not That” series Men’s Health magazine produces makes that clear. Sometimes it’s hard to make the correct choices without the nutritional info in front of you. There’s not a restaurant around that provides that info inside the actual store. You have to go on the internet if you are lucky. A lot of times people think they are making sensible choices based on foods. Ie:Ranch Dressing versus Honey Mustard at Quiznos or a spinach artichoke dip versus Boneless wings appetizers at Applebees. And Moe’s… Yuck!! Willy’s is fresh and has sensible kids options. There’s even sugar in the salads at McDonalds!
Also, I think Marcus makes an excellent point about the amount of calories children should actually consume. I don’t have fat issues, but see plenty of obese people walking around. A serving is the size of a deck of cards. I regularly see children with larger portions than what a healthy adult should eat. Even if you divide your food in half at most restaurants it’s much more than a portion! It should say something that cars come with bigger cup holders and seats because our drinks and hindquarters have gotten too big. Happy Meals are cheap too! Would you feed your kid that every day?
It’s great that children who cheerlead and play football and are fit now. How fit will those children be when they aren’t burning Phelps-ian amounts of calories in a few years? That’s the problem!! The choices you make now for your children will lead them to eating at these places years from now because as parents you didn’t teach the value of healthy choices. I’m fine with almost anything in moderation, but dont act like these food companies are our friends.
Lets be honest… these places aren’t providing cheap kids meals out of the goodness of their hearts. The meals offer very little nutritional value and they will make their profit 10 times over on the parents. So, it’s a win win for them.
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csquared
July 17th, 2009
2:11 pm
if you have prescription generic drugs, get ‘em at kroger. filing 2 generic ’scrips a month (4 bucks each) gets you 10 cent off a gallon of gas per month. buy your food there and keep getting discount(10 or 3 cents depending on purchases) for every $100 of “qualifying” purchases. most things will qualify, but some don’t.
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Alicia King
July 17th, 2009
2:36 pm
Tango Night at Callanwolde is a GREAT date night. $15 each for class and party = $30 for a one hour tango lesson (great for beginners and “non-dancers” it builds on the basic skill of WALKING) plus light refreshments and then the real tango dancers come to Callanwolde for a “Milonga” or tango dance party. Beginners are welcome to join in, plus there are chairs for the newbies to gawk at the sexy sexy dancing.
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Food Kids Eat Free: 7 days, 7 free and cheap meals | Atlanta Bargain Hunter | India Restaurants
July 17th, 2009
10:58 pm
[...] See the rest here: Kids Eat Free: 7 days, 7 free and cheap meals | Atlanta Bargain Hunter [...]
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HERBIE
July 19th, 2009
2:26 pm
first
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T
July 19th, 2009
2:37 pm
<>
+++++
One egg contains about 213 milligrams of dietary cholesterol.
The daily recommended cholesterol limit is less than 300 milligrams for people with normal LDL (bad) cholesterol levels.
+
The way I understand it, the yoke of an egg is all cholesterol.
So what I do is I give the yoke to the birds!
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shellybean
July 19th, 2009
4:33 pm
Thanks for the tips … now if only we could get some prepackaged snacks there weren’t full of junk. Anyone have any suggestions???
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Deb L.
July 19th, 2009
4:36 pm
First, let me say, how excited I was to see a message board not full of negative attacks on other people! Woo hoo! Everyone posting here is honest and friendly, you’re all awesome! I personally, could not make my weekly budget and meal plan work without store brands. I do buy a lot of WalMart brands products and haven’t been disappointed by much, other than laundry detergent. Malt Omeal cereals someone mentioned are great alternatives to the expensive box brands and I’ve got four kids who have never complained about any of them…. we especially love the Honey Nut Scooters and all the shredded wheats. I will say we like Yoplait yogurts but they’re easy to find on sale. There is a store in Canada I love to visit when I go see my mom, it’s called Bulk Barn and I’d give anything to have one here. They sell dry goods out of big barrels and you just fill bags and containers (supplied by the store so they’re clean). Anything from cereal to dog food to flour, croutons, cookies, candy, granola, detergent… you just buy a scoop of this or a scoop of that and ten scoops of something else if you need it…. the coolest part, you’re not paying for all the advertising and excess packaging. We are definitely in a period of time where we really can’t afford to be putting extra money in advertisers/marketers pockets…. I know they’ve gotta eat too, but seriously, I’m glad to see people being smart about stuff!
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ReAnna Ash
July 19th, 2009
10:46 pm
Rana, in response to th comments that the informatio is not always orginial content, I do appreciate the reminders, awesome suggestions of many many thrity ways to enjoy Atlanta I would have never thought of half of tips it makes me feel really good to know other people are making and effort and sharing their thoughts
KEEP IT COMIN
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Stan
July 20th, 2009
9:39 am
Prepackaged snacks that are healthful are tough to find. Yogurt is a good choice (just watch the ingredients) Most fruit is “pre-packaged” like an apple, pear, cheeries, grapes etc. They require nothing more than a washing.
With a little extra effort and just a few minutes and “pre-package” your own snacks, which I what I try to do.
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Norvee Michelle
July 20th, 2009
2:57 pm
I love kroger brand food and even toiletries such as lotion and hand soap. I shop there most of the time.
@Stephanie If you shop at Kroger and use your Kroger plus card when you make purchases, Kroger will send you custom coupons for what you purchase often. They’re sent probably about once a month or so, and are extremely helpful.
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Rana Cash
July 20th, 2009
11:05 pm
I’m asking ReAnna to bake her grandmother’s goodies and share them with all of us! Actually, it reminds me of my mom taking leftover bread, adding butter and sprinkling with cinnamon and sugar for a yummy baked good.
Thanks for the tips everyone.
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Michael
July 20th, 2009
11:19 pm
Blogrollllll!!!!
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Rana Cash
July 20th, 2009
11:22 pm
Good advice, Stan. Thanks
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Carol
July 21st, 2009
12:29 pm
Wondering if pet insurance is worth it? I guess it depends, could you afford to spare the cash if something happened to your pet?
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AH
July 21st, 2009
1:02 pm
I throw it in the trash
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Stan
July 21st, 2009
2:08 pm
The single biggest money waster, IMO, is not living on a budget! I swear, when my wife and I finally started living on a budget a couple of years ago it really was like we got a raise.
A bit more specific waste is eating out. We had no idea how much we were blowing on eating out. And I LIKE to cook.
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sonbird34@msn.com
July 21st, 2009
2:31 pm
The comment about the popcorn. I think you have to careful with the staple in the microwave. That could cause a fire.
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mg
July 21st, 2009
2:41 pm
buying bottled water
buying high calorie, high sweet drinks
keeping a land line when all you use is your cell
not insulating your house
cooking with gas
paying for things you can get free
running to the dr without trying to improve yourself first
anymore, buying potato chips and other types of chips
using snail mail instead of online bill paying
not carpooling
baths everyday, try every other day instead
being suckered by goodies geared to sell to children at the checkout line in discount stores and groceries
Driving a vehicle which is far bigger than you need just to feel powerful
maybe these aren’t the biggest things, but put together they certainly add up to busted
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PM
July 21st, 2009
2:49 pm
Not signing up for sites that offer free coupons and signing up to become a “member” of your favorite restaurant! The samples and deals that are offered are amazing!!
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DHB
July 21st, 2009
2:52 pm
I agree with everyone on these. Great lists — MG (baths every other day?). It’s hot out here. I do have small children so I bathe them together. Personally I don’t wash my hair everyday so that helps.
My husband and I have been cooking in bulk on the weekends so we have food for lunch and dinner. Saves time and money.
One big thing we saved on, was learning how to fix minor repairs on our cars/house, etc. We saved at least $100 replacing headlights for our car. Normally, I would have just saved some time and effort by taking it to the dealership.
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Jason
July 21st, 2009
2:52 pm
Not using coupons
Dining out
Owning a cell phone
New clothes far too frequently
Bars
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CHESTER
July 21st, 2009
3:23 pm
GOING TO THE PONY
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Brad
July 21st, 2009
3:27 pm
Obama
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Eric
July 21st, 2009
3:39 pm
Letting the water run while brushing your teeth
Washing your clothes in hot water
Cooking inside during the summer causes AC to run
Not using ceiling fans to keep home cooler
Opening blinds during the day, heats up house
Using a motorized lawn mower, instead use a reel mower
Running AC on low temp when not at home
Not using a programmable thermostat
Instead of leaving coffee pot on to keep warm, pour into a thermal carafe and turn pot off
Leaving TV on when not in room
Use wind up clocks instead of electric or battery
Not closing AC/Heat vents to unused rooms
Buying bulk foods, then having to throw them out when they expire
Leaving your car running when waiting in line at the drive through
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Rana Cash
July 21st, 2009
3:42 pm
MG…Good suggestions, but I’m going to vote for daily showers.
Jason..No cellphone? Interesting.
These are GREAT tips.
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DB
July 21st, 2009
3:45 pm
Starbucks…
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Brandon
July 21st, 2009
3:53 pm
An AJC supcription
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Smart News
July 21st, 2009
3:53 pm
Cancelling AJC subscription.
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dixie pixie
July 21st, 2009
4:05 pm
There are 6 neighbors that live on our street. We all pitched in and paid for one subscription to the newspaper. The newspaper is delivered to the first house at 4 am. House #1 reads & passes on to next neighbor. Each family has a chance to read it before noon! Then we recycle the newspaper in various ways–in the garden, tear up for composting, pinata for vaction Bible school. Also, we combine our garbage and pay for only two pick-ups instead of 6! Potluck dinners also save us time and money, plus we get a variety of left-overs for a couple more meals. We also decided to “community garden”. Everybody that contributes by planting, weeding, watering, picking, shelling, etc. benefits and no one is stuck with a lot of “extra” of one thing. Since my husband and I both work, I offered to wash my elderly neighbor’s clothes along with ours. I wash and hang on the line before work and she folds some of ours in return. We cancelled our cable and internet at home. If we want to watch a movie, we check it out from the library (who’s at home all day to watch tv anyway?). We also have checked with our insurance rep–got a 10% discount for attending a FREE defensive driving class on both vehicles!
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Britt
July 21st, 2009
4:12 pm
buying books! (GO to the library)
buying clothes first hand (there is a lot of nice thrift stores in Atlanta)
rent/buying a house in Atlanta
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cheap lick
July 21st, 2009
4:30 pm
first off, i’m not by no means in a financial crisis, but i was brought up to ‘clean your plate,’ waste not want not etc. i’ve lived some really lean times but not out of necessity but through shere dignity. i worked from the get go and realized the value of a dollar during this period. when i’m at a restaurant or even when i was in elementary school, i’d see people throw out almost entire meals for whatever reason. i got married and didn’t notice during the preliminary years that my then wife never finished her plate. at first i thought she just was full but this became the norm. needless to say , other things i didn’t observe pre-nup came to a head and now i live as i want, when i want, and i’ve noticed my three children either finish their plate or take it home. i guess my behaviour wore off on them. my point is that today’s generation is a throw away type who think that they will never have a problem past the present.
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CY
July 21st, 2009
4:31 pm
Expensive Makeup (clinique, Estee Lauder, etc) and Age-defying products
Many cleaning products (use white vinegar & water instead of Windex to clean your windows)
Manicures/Pedicures (do it yourself)
NOT using coupons AND a loyalty card (kroger plus mastercard e.g.) I only subscribe to the AJC to get the coupons and the mastercard gives me CASH back as well as discounts on gas. I saved 90 dollars one shopping trip.
Buying the latest and greatest EVERYthing (especially for kids).
Not buying store brands. I actually saw a woman with a WIC card throw a FIT because she couldn’t buy Eggland’s best with it…. I find kroger/private selection brands to be quite good most of the time.
Not being prepared – if you know you want something, do your research and get ready… when that sale hits – GRAB it. Be patient. Don’t buy on a whim.
Throwing stuff out when it can be sold (garage sale, craig’s list) or donated for a deduction.
Gym Memberships if you’re not in to heavy workouts with all the equipment.
Vitamins – who needs expensive pee… that’s all they do.
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auggie busch
July 21st, 2009
4:53 pm
drinking ‘glam’ beers such as sam adams, imports, etc. just come over to my house and i’ll brew you up some good stuff cheap. if it doesn’t work, u can always grab sumpin outta da PBR fridgerator
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WTH?
July 21st, 2009
4:59 pm
I see brad had to show his ignorance and that must be mg I’ve been smelling on the train! People daily showers! these are great use a lot of them and to the person that said no cell? I have metro Unlimited local, long, text and voice mail depending on the phone you purchase you can get email and web connections I pay no more than $54 a mo. and have no house phone. I do have the problem of buying produce and having to throw it away so thanks for reminding me to cook that spagetti squash!
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WTH's missing brain
July 21st, 2009
8:42 pm
WTH? Ignorance? Bailing out companies that turn around and spend millions on bonuses and retreats that were not earned and that they could not afford. A president signs the biggest failure in history spending 787 billion dollars that could end up costing 23 trillion dollars that we don’t have? Right now every child born will automatically owe the government $160,000 to the government. When is enough enough?
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Hassan
July 21st, 2009
10:44 pm
This is just another example of republicans gone wild. On page one we’re discussing a $900+ million budget shortfall, and here the state is foregoing how much in taxes with this tax holiday?
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Marla Morris
July 21st, 2009
11:11 pm
This is PATHETIC!!! Every darn year this happens AFTER my kids have to get supplies. Does this make ANY sense to anyone??? Lamar County starts back to school on Thursday, July 30th. Who sets these dates anyway???
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Courtney
July 21st, 2009
11:54 pm
Why have this before kids get their school supply lists?
Marla – If your school starts back on July 30th then that is your problem. That is messed up.
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????
July 22nd, 2009
1:54 am
I agree Hassan…….with declining revenue,the HUGE state budget deficit, loss of jobs & people not really spending a lot, why continue with the tax holiday???
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williev
July 22nd, 2009
7:04 am
I’m with Hassan and ????, it really makes no sense to have the tax holiday with the decline of state revenue.
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Rick
July 22nd, 2009
7:40 am
The tax holiday and the tax shortage are not related. The governments overspent, just like everyone else.
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Selena Wilson
July 22nd, 2009
12:11 pm
I agree with most of the previous statements about our tremendous budget deficits and the state sales tax holiday. I was actually surprised to hear that they were still having the tax free holiday this year due to the state being over $900 million in debt; however, I don’t think Republicans are entirely to blame considering our Congress is presently being ran by Democrats across the board and the nation is trillions of dollar in debt.
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Kar
July 22nd, 2009
5:02 pm
Unfortunately the plain truth is if those big companies went under, the immediate consequences would be ugly and make the eventual recovery harder. Yes, people didn’t act fiscally responsible but letting the rank and file go would be ugly. Ask someone from Flint or someone who doesn’t even know who owns their mortgage.
Back on the topic, apparently plumbers, mechanics and other types of handymen are having field days now that so many people are trying to do their own repairs. http://www.nytimes.com/2009/05/17/us/17blunders.html . Others are trying grow their own produce but end up with the proverbial $64 tomato.
In other words, start small and research before you leap.
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Sucks For You
July 23rd, 2009
11:52 am
Who cares about Lamar County
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VoiceOf Reason
July 23rd, 2009
2:10 pm
Booooooo!!
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A
July 23rd, 2009
2:12 pm
Back to school on July 30? And I thought August 10 was crazy. I say start back after Labor Day like all of us growing up did. And end school 3rd week of June. Better yet is year-around school, but the lame GA legislators will never go for that.
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Rana Cash
July 23rd, 2009
2:13 pm
VoiceofReason, you don’t like these? What’s more your style?
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stb
July 23rd, 2009
3:47 pm
disc: owners my neighbor.
“Strokers”
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Miss Ellie
July 23rd, 2009
4:43 pm
Love those money-saving tips. I get a copy of the double ajc newspaper on Sundays from either Kroger, Wal-mart or Publix which contains double coupons. I also just love my area thrift stores. I even found a 10 gram gold bar for $3.65 but is worth over $300. I bought two apple imacs for about $30 each yesterday.
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Cheaper
July 23rd, 2009
4:47 pm
$1ea. – Dollar Theatre in Lawrenceville
~or~
$0 – Free Entertainment Suwanee Amphitheatre
~and~
$9.99ea. all you can eat Brazilian Steak House off of exit 6 400. I really dont want to give the name.
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Rana Cash
July 23rd, 2009
4:56 pm
Cheaper, why are you holding out on us? Spill the beans on your $9.99 secret
Thanks for the tip on the theatre in Lawrenceville. I’ll check that out
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E
July 23rd, 2009
5:18 pm
There’s also Venture Value Cinema in Duluth. Tickets are $1.99.
Movie tickets are between $5 and $6 for shows before noon at certain AMC Theaters on Fri., Sat., and Sun.
Comedian Bruce Bruce hosts comedy night every Tuesday at K.C. Pit BBQ in Sandy Springs. Entry is $10 at 7 p.m. (but $15 after 7 p.m.) So, getting in at 7 p.m. will leave you with $20 to spend on food.
Midtown Bowl has a lunch special from 11 a.m. to 2 p.m. for $11.75 per person Mon.-Thurs. that includes bowling, shoe rental, sandwich, and drink.
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Jeia
July 23rd, 2009
10:24 pm
The Dream tickets are coming up higher on TicketMaster. There’s no place to enter the promo code. Help?!?!?!
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Tony Orlando
July 24th, 2009
7:45 am
Just wanted to say HI. I found your blog a few days ago on Technorati and have been reading it over the past few days.
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Wanda
July 24th, 2009
9:51 pm
The Bic highlighters cannot be had for free. Because they’re on sale for 49 cents, Walgreen’s will not honor the $1.00 coupon.
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Bobby
July 25th, 2009
1:38 pm
It’s all about timing, opportunity, and bargaining skills. For Example, the later the evening becomes the pliable an escort may become to reduce her rate. I assume usually after 12:30 it’s more of a buyer’s market.
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back @ u
July 25th, 2009
4:04 pm
“bobby” knows all about this: he’s speaking about his wife.
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myra
July 25th, 2009
4:10 pm
The best time to buy A LOT of things(maybe not appliances)is of course the week after Christmas and the 1ST 3 weeks of January. Retailers must cycle out of all that overstocks,clearance,dated merchandise. It has to come off the books, so deep slashing of prices occurs.
Happy Hunting!
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laura
July 25th, 2009
5:54 pm
Marcus Graham should not be so harsh. Your repeated postings of how they are not original ideas helps no one. Why not post some of your ideas since your being so critical. Case in point: poor is boring and any attempt to break the scilence is great
What my husband and I do when we are tight on cash but want to do something could be any number of things such as digging through some old boxes in storage and seeing what is in them. We have found countless numbers of old photos of us. Or sometimes we will go work out in our garden and play with our puppy. It sounds typical, and dare I quote, “unoriginal”, but to entertain ones self you simply look at all the small things in life and enjoy those instead of the materialism found in more fiscally challenging dates.
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coupons for groceries
July 26th, 2009
11:25 am
Thanks very much for this useful post.
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Rana Cash
July 26th, 2009
2:48 pm
Wanda, I called before posting to check it out and they said they would. Did you give it a try? Email me and I’ll pursue further
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Maggie's Dad
July 26th, 2009
3:04 pm
It is very easy to get caught up in all the drama about the economy, health care, michael jackson’s death, etc. I am amazed at the number of ‘news’ stories about these and all the hot topics of the day. I do read a lot of news online and frequently I have to check myself as I sort thru all the drama. The one critical thing I remind myself multiple times each day is…don’t let it get to you, keep all the daily drama at least at a arms length.
Years ago I sat down with myself and had a long talk about my life. I relized then that if I wanted to live to be older I needed to make some serious changes in my life. I had to let go of many things that was bringing stress into my life. It took weeks, and even months to begin to see changes in my daily life. If I cannot control it then I let it go. That one thing will make the most difference if you are dealing with stress. It took me the better part of two years to truly bring the change I wanted for myself.
I threw away all the medications I was taking for depression, blood pressure, etc. and did not take a pill for one year. But I did wait to do this until I had gotten better control of the stress in my life. After three years I did go back to taking my blood pressure pill since high blood pressure and heart problems run in my family. But I feel great today. I still have to remind myself sometimes to keep to my pledge…’to keep stress out of my life’ but I assure you that you can do it, because I did it. Happy destressing…john
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Buckheadbill
July 26th, 2009
3:13 pm
6. Send your mortgage payment monthly.
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Buckheadbill
July 26th, 2009
3:14 pm
Enter your comments here
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City Girl
July 26th, 2009
3:29 pm
Tips for reducing stress? Get a job; live well below your means; select your own health insurance without outside influences.
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Claire
July 26th, 2009
4:12 pm
Can’t wait to let all my readers know about the Kiplinger’s best time to buy list! Since I write a blog on interior design, it look they should all be busy squeezing the last furniture deals out of July this weekend. Next month, patio furniture! Upcoming post about recent Atlanta Flea Market finds-www.highglossblue.blogspot.com!
Thanks for the info!
Claire
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PT
July 26th, 2009
4:51 pm
Buckhead, cant wait til you lose your job. Dont post comments about nothing you know about
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KC
July 26th, 2009
5:22 pm
Amen, Maggie’s Dad, well said. Congratulations on getting rid of the pills in your life, except for what’s necessary.
Personally, I am now struggling with all of this, and have made the difficult decision to quit my job. To everyone who is looking for a job, this may seem crazy or stupid. but this is what will lower my stress, help me live a longer life and have a better relationship with my family and friends. (@City Girl, getting a job isn’t the answer to everything and we already live well below our means which is how I can quit my job. Your comments are naive and part of the reason why I’m starting to avoid websites with user comments.) Stress was/is taking over my life and giving me panic attacks and other physical problems to the point where I know my health is going downhill (and I am under 40, much too young to feel this way).
Fortunately I’m blessed where my spouse has a good job that can support our family and we have enough saved where we should be fine. I still worry because if I do need to go back to work someday (things happen), it will be more difficult to get back into the workforce. But I am starting to push those fears aside as I know that I’m making the right decision.
When I’m at home, I will be able to go through our house and eliminate what is not needed, cook healthier, cheaper meals, spend more time with my family, and finally getting rid of the negative in my life. This includes reading more, learning new things and avoiding negative people and websites, which seem to be ubiquitous these days. I’m tired of everyone thinking they know it all and thinking that rude, anonymous comments putting others down are helpful to anyone. While I don’t think that everyone needs to agree, why do some feel the need to insult others? So, if anyone knows websites that either don’t have commentary or are better monitored or have more respectful, useful comments, please post them.
Good luck to all in whatever they decide is best for themselves, and I hope you find some support and good ideas here.
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Gregg's Health Insurance News
July 26th, 2009
5:23 pm
There are many options out there for people, and as an insurance broker for ten years, you have some sound advice for people looking to cut down on costs. I believe that regulating the industry is really the reform we should be looking at to reduce costs, and that isn’t being discussed. Why should a pharmaceutical company make a 5,000% profit on each pill sold (Lipitor is one example)? There is something criminal about this, yet the FDA enables these drug companies…here is where changes need to be made.
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MikenAtlanta
July 26th, 2009
6:14 pm
Maggie’s Dad? Thanx for the reminder.
Went to publix to do the usual and decided to have my blood preasure check.
First time was something like 147/103>> and no! pulse:)
Chilled for a few minutes,came back down to 137/90 and a pulse that was still in the 80’s.
I have some work to do,obviously> But! You gave me a very well thought out reminder and I am
greatful for that. I wish You and your’s the Best Mike:) >>
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Mike Harmon
July 27th, 2009
7:15 am
Just wanted to say HI. I found your blog a few days ago on Technorati and have been reading it over the past few days.
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ravi
July 27th, 2009
7:58 am
Enter your comments here
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ravi
July 27th, 2009
7:58 am
i liked it
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ravi
July 27th, 2009
7:59 am
its good
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Organizedmomof2
July 27th, 2009
3:41 pm
I’ll admit it! Totally addicted to saving a buck or two. So many people have asked me how I created my own blog (www.thespottosave.com) which focuses on groceries, drugstores and free samples. To me, a coupon is like money found. What most people do not understand is that manufacturers WANT you to use their coupons (only 10% of us do) and retailers are reimbursed for them. It’s a win-win for all!
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mamaj
July 27th, 2009
4:25 pm
I like bargains too and my favorite aisle at any retail store is called Clarence (clearance); but the coupons nowadays aren’t really worth the paper that that are printed on
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JRW
July 27th, 2009
4:58 pm
It’s against my belief to buy anything that’s not on sale. I agree with mamaj. I’m have radar that takes me directly to the clearance isle/rack.
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Lan
July 27th, 2009
5:28 pm
The site that I check daily for sales/discounts is http://www.slickdeals.net
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Jennifer Brett
July 27th, 2009
5:31 pm
Heck yes! Here are my coupon triumphs of the week:
Crest toothpaste = 25 cents. It’s on sale at Kroger, 10 for $10. I had a 75 cent coupon.
Loreal lipgloss = 50 cents. Regularly $10, it’s on 75 percent discount at Rite Aid and I had a $2 coupon.
Speedstick = 13 cents. It’s on sale for 88 cents at Kroger, and I had a 75 cent coupon.
Scotch bubble-wrap envelope = FREE. They’re on sale for 39 cents at Walgreens, and I had a 50 cent coupon. (No, you cannot actually make a profit this way! They ratcheted down the coupon so it was worth 39 cents instead of 50).
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JD
July 27th, 2009
5:44 pm
Aldi has been a huge resource for savings and discounts on groceries, etc. Kroger is second on the list.
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jh
July 27th, 2009
5:45 pm
If you like comedy there is the Funny Farm in Roswell, thats usually cheap, $5.00 and sometimes free.
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zelda
July 27th, 2009
5:46 pm
Boy was this post made for my mother!! Thrift store, craigslist, flea market, sales-day shopaholic! “But is was on sale!…..”
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Walt
July 27th, 2009
6:35 pm
Anybody who owns a computer and can not find deals,discounts,rebates,specials,coupons,and anything else that would offsett the cost completely of the computer is incompetent. It would take a while to tell ya the deals I find and make. Example, last week bought some tires,Michelins, Found 2 rebates that I stacked for 130 dollar savings,Had my birthday last week,I am still using coupons and discounts from searching for discounts/freebies at restaurants.Most people would be amazed at the deals you can find on just about anything.
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Gail
July 27th, 2009
8:13 pm
Couponing is just plain S-M-A-R-T! It allows you to get the most bang for your buck. It’s E-A-S-Y, F-R-E-E & spelled out in simple steps on tons of websites. All you have to do is buy the Sunday paper every week.
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Kathy Powell
July 27th, 2009
8:21 pm
My dad is THE coupon guy. He organizes them in a notecard box according to the aisles at his grocery store and I always thought it was kind of intense but really awesome. Now, I’ve definitely taken up his love of coupons in the form of becoming addicted to coupon blogs. I love to find deals that I know my friends would use and send it specifically to them- it’s like a gift, except it doesn’t cost me anything and actually saves them money.
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Phyllis Thomas
July 28th, 2009
12:16 am
Come to the Dream Event Aug. 7-10th at the World Congress Center. NACA has helped thousands for free!
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Phyllis Thomas
July 28th, 2009
12:16 am
Go to http://www.naca.com and see for yourself!
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Andrea
July 28th, 2009
8:47 am
I am very frugal with the back to school shopping but, quite candidly, I think some of the supply lists are outrageous. I don’t think parents should be asked to send in reams of copy paper! I understand the reasoning behind it – budget constraints. However, that doesn’t change my opinion that it is ridiculous to ask parents to provide copy paper.
I do agree some parents really get carried away with the school supplies, but if you read the supply lists that are provided in the local stores, you will clearly see it is a two way street.
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lovelyliz
July 28th, 2009
9:04 am
my sister overbuys her daughters school supplies at the beginning of the year when the prices are lowest and items most plenitful. She stores them in a bin at home and takes them out as needed. Wait until December to buy more wide rule paper of pencils and compare the prices.
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wrenn
July 28th, 2009
9:44 am
this article said it correctly about when to buy clothes…i work retail part-time and something to remember…retail is always a season ahead meaning since it is summer time even though it is the end of July, we are clearing our shelves to make room for Fall inventory…you can get the name brand clothing for $6.00 to $10.00 that includes kids, teenagers and adults…look for the retailer with the big red star…
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Elementary Teacher
July 28th, 2009
10:57 am
As a teacher I understand how frustrating it can be to receive a shopping list. Please understand that we make these lists based on what the students use in a year. As for requesting reams of copy paper, tissues, baby wipes, purell, etc., these supplies come out of teachers’ pockets. At my school the copy allotment shakes out to making 2 copies per student weekly. Teachers are doing their best to make do with what they have and we appreciate the cooperation and assistance of families!
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Elaine
July 28th, 2009
12:25 pm
Only one or two pencils? Really? I teach in Austell, and every day I give out pencils to kids who lost theirs or never had enough to begin with. I will agree with Rana, though, about all the fancy pencils. Plain yellow works just as well.
@Andrea: I’ve got copy paper on my supply list. Thanks to budget cuts last year, we literally ran out of it by late March. My friends from the corporate world were saving paper for me from their recycling bins. Yes, it does seem ridiculous on the surface, but it’s far more necessary than most people realize. And since the budget cuts are only getting worse, I’ll bet that we will receive even less paper from the school this year.
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Alex B
July 28th, 2009
2:10 pm
Do your shopping online! There are many good websites, such as http://www.coupaholic.com, that can help you find great savings.
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Rachel
July 28th, 2009
2:58 pm
You can also buy the Publix half price tickets at the Fox ticket office and avoid the Ticketmaster fees!
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Mickie
July 28th, 2009
4:32 pm
My husband and I like to eat out. It’s just the two of us now. Lunch is almost always cheaper than dinner. I sign up for the emails from just about every restaurant we ever go to. I got a separate free yahoo email address just for this. We rarely go out w/o a 2 for 1 or $10 off deal.
We took a grandson to Chattanooga recently for the weekend – the room was free (used a free night deal from a chain we often us on trips); went to Ruby Falls for about half price with some tickets we got at a silent auction benefit; got $2 off on each aquarium ticket with a coupon from the welcome center; had lunch at TGI Fridays with a two for one deal I had printed out at home and had the early bird special dinner ( $2 to $3 off on each meal) at Texas Roadhouse by getting to the restaurant by 6 PM. All in all pretty good.
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Michele
July 28th, 2009
4:33 pm
I’m totally with you on that one ‘A!’ Being in the South, it makes no sense starting school in August, not that September is much cooler, but it is a little. With all the overcrowding and ACs going out in many of the public schools, there’s no reason to be in school during the hottest month of the year. Pools are still open and kids should be outside exercising their *bodies*. Sound body, sound mind. Give ‘em a break already. When I was little, summer ran from end of June through Labor Day, then it was back to work, school, etc. Hello people, why do you think they END the summer on LABOR DAY?
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NYNative
July 28th, 2009
5:02 pm
The atlanta theater is totally lame compared to New York, and the tickets are way overpriced. I miss Broadway–the real thing.
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Adam
July 28th, 2009
5:14 pm
Hey NYNative – Delta is ready when you are
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Chris
July 28th, 2009
6:52 pm
NY, PLEASE leave. We don’t like your kind down here anyway. I bet you have a big nose, yellow skin, and a terrible accent like the rest of them.
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JO
July 29th, 2009
6:51 am
Georgia State Sales Tax Holiday detail…..
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GA Citizen
July 29th, 2009
7:27 am
Chris, what happened to your charming southern mannners?
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MJ
July 29th, 2009
11:35 am
I bought a little plastic coin sorter from an office supply store. It’s near the door and I empty my pockets of spare change as soon as I get home. When it’s full, I just slide the coins into paper sleeves. So far I’ve deposited about $37 into my savings account from doing this.
Change adds up (and earns interest), time to clean out that wooden shoe!
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MatthewH
July 29th, 2009
12:54 pm
Bank of America has a great “Keep the Change” program. Every time you use your debit card, they round the purchase up to the next dollar and take that money from your checking acc’t and put it into your savings account. They also do a match at your anniversary of signing up for the program. Since I always used to round my purchases up (to make balancing the checkbook easier) this was not painful at all. As of now, I have “saved” over $700 in this program. And no, I don’t work for BofA.
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AngelaS
July 29th, 2009
2:14 pm
My husband and I have been emptying our change EVERY FRIDAY for the past 2 1/2 years. To date we have saved $2800 in CHANGE. It’s definitely a great way to save money.
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Free For All «
July 29th, 2009
10:08 pm
[...] Thursday and goes through Sunday. Remember, it’s not how much you spend—it’s how much you save!! Radio Free Lunch will be a “free” and “freedom” soundtrack. [...]
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JRW
July 29th, 2009
10:42 pm
My husband and I do this and each year use the money for a vacation. This method definitely works!
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Nolan
July 30th, 2009
12:41 am
during my first date with my partner, i got conscious in deciding what i should wear. Well, i believe you should impress your date.when i dress up that night, i decided to wear a personalized cufflink to make an impression and it totally went well. My date that time became my everlasting date.
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Nolan
July 30th, 2009
1:05 am
during my first date with my partner, i got hestirical in choosing dress to wear. yeah, because they said to impress your date.Then that night i dress up, i choose to wear a personalize cufflink to make an impression and i never regret wearing it. My date that time became my everlasting date.
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Tax-free holidays are here…what’s your back-to-school shopping strategy? | A Blog for Busy Moms - MOMania
July 30th, 2009
7:02 am
[...] your back-to-school shopping strategy? Do you take the children with you, or leave them at home? If you have older kids, are you limiting [...]
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Jip Huer
July 30th, 2009
8:12 am
I get by for less by dating women or men who do not charge for dates.
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Stella
July 30th, 2009
11:06 am
I follow Savings.com aka @Savings on Twitter. They tweet deals for Jamba Juice and the Cheesecake Factory as well as online coupons for stores like PETCO, Macys and Famous Footwear.
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Tyson
July 30th, 2009
11:42 am
This is very exciting trend. @CallawayGardens we give away free coupons, interact with our guests and just keep an eye out for how to improve. We want to make sure everyone has a great time and this tool allows for that.
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Rita
July 30th, 2009
11:49 am
Burgers at The Counter were not free for just saying “Happy Birthday”. If you ordered something else, they would give you “samples”.
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Rana Cash
July 30th, 2009
12:26 pm
Rita, Were the samples the mini-burgers and fries? Or even smaller than that? I’ll check this out. Definitely don’t want to mislead my readers with questionable promotions.
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The Mara Davis Show » Blog Archive » Free For All
July 30th, 2009
2:01 pm
[...] Thursday and goes through Sunday. Remember, it’s not how much you spend—it’s how much you save!! Radio Free Lunch will be a “free” and “freedom” soundtrack. [...]
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AH
July 30th, 2009
2:03 pm
I don’t have to worry about any of those things, because Obama is going to take care of them all. I won’t even have to worry about putting gas in my car, Barry’s got it.
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chc4
July 30th, 2009
2:23 pm
Yeah AH, I’m getting annoyed b/c BB&T keeps sending me a mortgage payment slip each month. I though Barry was on it!
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FormerHardWorker
July 30th, 2009
2:28 pm
Amen brother AH! I used to think that working hard in school (deans’ list, MBA), putting work before sloth, and paying my bills on time was the way to go. Buy only what you can afford, don’t over-extend yourself, save for a rainy day.
What a fool I was! All I really had to do was realize that Big Government will take care of us all. Tax the evil wealthy (they don’t need the money), borrow against our childrens’s futures (thank goodness – no kids myself), and just suck of the givernment teat. That’s the way to go…..
When will everyone realize that demonizing those with more money than ourselves, always looking for somoene else to carry the load, and”hoping” for “change” will just drive us into the ground?
Time to quit early – my new government car is probably waiting for me in the driveway of my government mansion, and my government-issued welfare check is sitting in the mailbox.
Wake up people. Before it’s too late.
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Rival
July 30th, 2009
2:55 pm
Please give specific instances of current increased taxes and people being handed money any more so than they were before Obama became President.
I’m pretty sure nothing of the sort has been enacted.
Knee-jerking crybabies…
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TDT
July 30th, 2009
3:05 pm
I am shocked at the ignorant comments that I have read here. First of all, the question was were you financially fit. I find it quite interesting that everytime someone asks about finances the President is mentioned. Let me remind everyone of something there are THREE branches of government. They share power in this country. The reason why the President gets so much publicity is because it is the only branch that is run by one man.
I am soo tired of the rants about “big government”. The government has grown under EVERY president. If either one of the persons who wrote the comments before actually listened or read anything, they would know that this administration is pushing indvidual responsiblity. The President has said numerous times that goverment CANNOT fix ALL of ANYONES problems it can be an AID to help. I stress AID. If you don’t like the government so much, then stop driving on paved roads because those are maintained by the DOT. Also, don’t EVER call 911 because a police officer might come to your door. In case you say that either one of those is a local issue, then don’t you ever buy any medicine in this country because it is regulated by the FDA or send your kids to school because that is regulated by the Department of Education.
Finally, to answer the original question. My finances are just fine. I would like you to know that I have a college degree, own a small business, a home, a car, am married and have two children. I also voted for the President. One final note to those who laugh at welfare it was a Democrat that did the largest reform on the plan in history.. Bill Clinton not to mention that the last SURPLUS was under his watch.
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Barry's handling it
July 30th, 2009
3:14 pm
Mortgage, Barry’s got it…Food, Barry’s got it…Medicine, Barry’s got it. I’m just going to lay on the couch all day and watch Tyler Perry movies.
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DFE
July 30th, 2009
3:16 pm
Yes our house is in order. We live below our means. We have emergency money, significant savings, vacation money, and a great retirement plan. We have never desired to keep up with the jones’. We own our home, our cars, and our investment property. We did this thru hard work, education, sacrificing, and careful planning. We have no expectation that anyone will bail us out of anything.
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Rita
July 30th, 2009
3:24 pm
Not sure. When we asked about the mini burger and fries the person seating us said that the deal was that if you ordered something you would get free “samples.” Not sure what that meant because we said we would just come back another time and we left. Didn’t want a mini-burger and fries on top of something else (which we would have to purchase).
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FormerHardWorker
July 30th, 2009
3:26 pm
Specific examples? How about the fact that the plan being passed by the House will impose a Surtax on people making more than $350k a year? How about the fact that the CBO says that the plans can’t possibly succeed and pay for themselves (BO’s original promise) without even more taxes being levied, including taxes we will pay on the benefits we receive today and even taxes on soda pop? How about the fact PrezBO’s plans for the environment (cap and trade), the stimulus, and the nationalization of the car companies and (soon) major banks are ALL expected to raise the deficit, drive inflation, and take more money out of your pocket?
Look, I’m not GOP or Dem, Blue Dog or Red Devil. But I’m alarmed at the growth of government. We are creating even more of an “entitlement nation” than we had before (and that was bad enough), and we are all asleep at the switch.
I’ll leave you with two famous quotes (paraphrased somewhat)
1. That which governs best, governs least (Tom Paine)
2. We get the government we deserve (ADT)
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Barry's Got My Back
July 30th, 2009
3:30 pm
Barry knows that capitalism is evil ’cause then lazy people can’t get ahead. He knows that lazy people deserve everything hard-working people get. Word, people.
Barry’s got yo back.
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Barry's handling it
July 30th, 2009
3:40 pm
Barry is also going to take care of my five kids for me, thank god. We can keep making more….because Barry’s got their backs too.
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Turd Ferguson
July 30th, 2009
3:48 pm
Who cares…with all this stimulus and the ObamaCare plan, the Obama Socialist nation will emerge and none of us will have to work, pay bills or any of the icky stuff…HURRAHH!!!
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HotFoot
July 30th, 2009
3:49 pm
Where is my ObamaCheck. I voted for him and now look forward to some payback. Send the darn check OBAMA!!
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Git yo azz
July 30th, 2009
3:51 pm
I dont work now, never have and never will!! Thanks President OBAMA!!
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Malcontent
July 30th, 2009
3:53 pm
Obama as pres sucks the big donkey. We have a jackass trying to ram bills thru Congress, playing Mr Niceguy and lying to us all. Obama should never have been elected. This is a very scary and sad time for the USA. Obama may well bring all our financial houses tumbling in on top of us.
Obama YOU SUCK.
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mg
July 30th, 2009
4:15 pm
Welcome to the USSA.
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Rival
July 30th, 2009
4:19 pm
“How about the fact that the plan being passed by the House will impose a Surtax…”
I’m fairly certain nothing has been passed yet.
Still more knee-jerking…
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Jodi
July 30th, 2009
5:06 pm
Thanks Stella…I will make sure to follow @savings
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cmsfk
July 30th, 2009
5:27 pm
TDT says: “I am shocked at the ignorant comments that I have read here.”
Really? You must be new here. You’re assuming that the nameless, faceless characters behind those posts are educated, rational human beings. I made that mistake at first too …
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LaKwanza Johnson
July 30th, 2009
8:41 pm
I dont why yall be hating on Obama. He done done more for us brothas and sistas than them Bushes ever done for us. He be the presidint now and for the next 4 years.
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Rana Cash
July 30th, 2009
8:53 pm
Hey guys,
The question of the day is: Are you financially fit? How did you get on track? How do you stay on track? Perhaps you have suggestions or thoughts that would benefit other readers.
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ugaaccountant
July 30th, 2009
9:31 pm
My fiscal advice to anyone with the ability is to move to another country. Obama is killing our economy. The jobless rate is skyrocketing and all the government does is keep giving away more money to everyone except responsible people.
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ugaaccountant
July 30th, 2009
9:33 pm
And Rana Cash – Nobody can be financially fit when Obama’s killing everyone’s ability to stay employed. He’s destroyed our economy where everyone is downsizing, be it the cashier, factory worker, or white collar job.
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Latest insurance atlanta news - atlanta-car-insurance.org | Free Atlanta Auto Insu | Compare Atlanta Life Insurance Quotes
July 30th, 2009
11:03 pm
[...] 5 ways to save on health insurance | Atlanta Bargain Hunter [...]
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HERBIE
July 30th, 2009
11:23 pm
AH you are a fool if you think stupid obama will pay for everything that you need. He is as racist as the professor gates is.
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HERBIE
July 30th, 2009
11:25 pm
Hey barrys handling it. why dont you quit having babies so you can get out of welfare and costing all the americans their money they have said.
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Joel
July 30th, 2009
11:25 pm
RANA- novel concept, live within your means
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HERBIE
July 30th, 2009
11:26 pm
Enter your comments here
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HERBIE
July 30th, 2009
11:29 pm
Hey HOTFOOT you will be waiting till year 2035 for the money you fool
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Deas
July 31st, 2009
10:07 am
Like Adam said Delta Flies and if I recall it used to fly hourly just so you can get out quicker.
PS. I do like NYC. Great place to visit but too many complainers.
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Dog Lovers in Athens!
July 31st, 2009
11:04 am
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Shawn
July 31st, 2009
2:09 pm
As a mom of a kindergarten student, I don’t understand this tax “holiday”. So, I get to go all hog-wild filling up my cart with cheap clothes made in China, the schools don’t get a dime, and then I have to go out and buy $100 in school supplies.
AND you don’t have to spend it on kids. Heck – you don’t even have to have kids to participate. In fact, you don’t even have to be a GA resident – so happy shoppers are coming in from other states. And how many of these retailers are even based in GA? The profits are going right back to Minnesota, or Arkansas, or NY or where ever. (I mean, please tell me Purdue is getting some kind of kick-back or campaign contributions – please tell me someone did the math, somewhere.)
20 years from now this will be looked back on as a total joke – just like GA’s water “plan”.
No thanks. I am sitting this one out – conscientous objector. (Fear not, retailers – you won’t starve because of me. I’ll do my shopping on Monday.)
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Shawn
July 31st, 2009
2:12 pm
PS: I saw fishing waders on the list of approved items. Must be Sonny’s nod to Springfield, MO.
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Nobody reads long posts.
July 31st, 2009
6:44 pm
The best, professional, deadbeats lie WAY BETTER than any collection agent. We pay our debts, so far, but I’ve met some really PREDATORY BORROWERS.
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CC
July 31st, 2009
7:50 pm
The legal age to borrow money without a cosigner should be 21. To many college students get crazy with the credit card offers. Also those helpful cosigners should be notified if the account is late.
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OJ
July 31st, 2009
8:34 pm
I have a similar, but not identical home address, to someone who skipped out on his debts. His creditors are calling me constantly. I think they are putting a partial address into whatever search engine they are using and the search engine defaults to my address and phone number. I am always careful to disavow any knowledge or responsibility for this person. One of his skipped obligations is his natural gas. AGL did cut my gas off in error. I had to get the PSC involved to get my gas back. However it is also his credit cards and other utilities hounding me. One creditor threatened me. I invited that creditor to meet me in person with my attorney. Invite not accepted.
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Dodging Debt Collectors? These 3 expert tips will help | Atlanta … | Debt Settlement Aids Blog
July 31st, 2009
8:47 pm
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July 31st, 2009
8:55 pm
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July 31st, 2009
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Georgia Coach
July 31st, 2009
9:34 pm
Never give a collector electronic access to your bank accounts. See http://www.budhibbs.com for more help
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Dodging Debt Collectors? These 3 expert tips will help | Atlanta … | Crown Debt Settlement Blog
July 31st, 2009
10:15 pm
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Dodging Debt Collectors? These 3 expert tips will help | Atlanta … | Debt Settlement Asset Blog
July 31st, 2009
10:16 pm
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jborodave
August 1st, 2009
9:06 am
Yep, waders are exempt. And what kid would want to go back to school without: lingerie, steel toed shoes, snow ski suits, a new shawl or wrap, or a brand new pair of garden gloves for that really chic look?
The idea sounded good when they passed the law…give us a tax break at ‘back to school’ time. But that list is downright ridiculous!
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Archer
August 2nd, 2009
11:56 am
I was at work and got a free Chick-fil-A sandwhich when I bought a Coke from the vending machine! I’ll buy a lot of Coke’s if it means I get free lunch!
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cccccccccccoll
August 3rd, 2009
2:17 pm
cccccccccccccol
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StJ
August 3rd, 2009
6:31 pm
If you cannot afford an alarm, just get a sign that says you have one. You can also get wireless unmonitored alarms.
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noneya
August 3rd, 2009
6:35 pm
My taser was about $300
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Sandy
August 3rd, 2009
8:00 pm
Here are some good tips:
know your neighbors and be sure they know you. That way, if a red truck pulls up outside your neighbor’s house and they don’t drive a red truck and you know they are not home, call 911 when you see them go around back behind the house, because they are about to break in.
1) Never leave anything visible in your car. ANYTHING! People will break a window for a quarter, a chip bag, candy wrapper, and of course actual good stuff like cell phones, cameras, GPS units, briefcases, laptops, clothes…
2) If you have a flat screen TV on your wall, do not leave the blinds open for the world to see. It is a top-stolen item right now.
3) If you live in a neighborhood without garages and you go out of town, have a neighbor (with more than one car) park in your driveway.
4) If you are out of town, have a neighbor pull your trash can up to the house after trash pickup, so it does not look obvious that you are out of town. A trash can sitting out alone when no other homes have one sitting out is OBVIOUS.
5) Have your mail picked up by a neighbor when you go out of town, or ask USPS to “stop” it.
6) Interior lights on timers.
7) Porch lights on all night every night, and consider installing a light that shines on your car (if you don’t have a garage)
9) Don’t ever talk to the “kids” selling door to door stuff unless you already know the kid. Often, they are casing your house to see behind you as you stand at the door, and they will be back later to rob you.
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Joy
August 4th, 2009
6:43 am
“Sandy’s” Tip number 8 above is the cheapest and best one of all. I have neighbors that some might consider “nosey.” But I like to think that my (mostly retired and home alot) neighbors are looking out for all of us as they glance out their windows during the day, and note the “repair people” or other trucks that come and go.
Nosey? Maybe! But better safe than sorry! Ask those same neighbors to remove your newspaper or packages from your lawn if you’re gone for the weekend. Invite them to sit on your deck, park in your driveway, weed your garden! You can return the favor when they go on vacation, and everybody’s safer for your efforts.
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50 percent off golf at East Lake | Free zoo tickets | Free cake! | Atlanta Bargain Hunter
August 4th, 2009
7:02 am
[...] recently alerted you to a host of free kids’ meals — one for every night of the week. This week I found another good one: a free kids’ meal every Tuesday with the purchase of an [...]
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Gloria Nelson
August 4th, 2009
8:16 am
Dear Ms. Cash, thank you for this list of freebies. My husband is a school teacher and we are always looking for ways to do things and save money. We are most interested in going to The GA Aquarium; (we have never been)do you ever find complimentary tickets for the aquarium? Thank you very much for all you do. Gloria Nelson
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indthinker
August 4th, 2009
8:44 am
Rana,
Thanks so much!! please keep it up. if they havent done so already, they need to hire you.
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Freebiefiend
August 4th, 2009
9:17 am
Thanx for the heads up, Rana. Just scored 2 free tix to Dierks Bentley @ The Tabelnacle!
And I’ll make sure to bring my AJC to the Flying Biscuit next Sunday.
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joane
August 4th, 2009
9:46 am
I am swapping my babysitting service on http://barterquest.com , it’s a great site where you can find almost everything.
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Keep It Real
August 4th, 2009
9:46 am
Rana, Thanks for the info… Any discount is well worth it in this economy…
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momof3
August 4th, 2009
9:52 am
IHOP also offers free kids meals (one free kids meal per each adult purchase) 7 days a week from 4pm – 10pm
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JoJo
August 4th, 2009
1:52 pm
I have been following @couponcodelady for my coupons on Twitter.
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Steven J.
August 4th, 2009
6:00 pm
I am an IT recruiter with over 20 years in the industry, and Trina has certainly accomplished one thing – she has guaranteed that she will not be working in the IT field for some time.
She does have name recognition within the industry now – NEGATIVE name recognition. On a conference call today, a co-worker noted that she had actually seen Trina’s resume – she actually and proudly claims her 2.7 GPA and attendance record on the resume! Sorry, Trina, but a 2.7 for a new college graduate is not going to cut it in any job market, much less during a major recession.
By the way, your college is not actually what we in the IT world consider a reputable, honorable institution with a solid track record of training IT professionals. We sort of see it as a diploma mill.
Maybe you should sue yourself for bad judgement. Or sue your Mom – she is “supportive” of you after all.
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Randy Daniel
August 4th, 2009
6:05 pm
My advice to Thompson is to get a good lawyer. With a good enough settlement, she may never need a job.
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Alton E. Drew
August 5th, 2009
5:43 am
I had to learn my lesson the hard way but looking back it was always about networking. The best jobs I ever had came about from who I knew and the relationships I established. I don’t think a college is obligated to help find you a job but colleges should help students keep it real about identifying opportunities, especially in this type of job market. Students should be taught to establish and maintain relationships from day one.
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A
August 5th, 2009
8:52 am
Um, it’s Depeche Mode, not Depeche Mood!
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Rana Cash
August 5th, 2009
9:10 am
Got it. Thanks, A…Shout, shout, let it all out!
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Dee
August 5th, 2009
9:11 am
I wish the Habitat for Humanity Store in Coweta County was also hosting the plant sale.
And I also wish the free ASO tickets were being offered on a first come, first served basis, rather than just to Fulton County residents.
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Christina
August 5th, 2009
9:17 am
Um, if she’s mentioning her 2.7 GPA on her resume, perhaps a resume writing service is in order. Your GPA should only be included if it was exceptional (hint – I don’t include my GPA and it was 3.4). And even then, it’s not as if you’re going to be graded on the job, so they’re looking more for skills not grades.
I do NOT think she should sue, it wouldn’t be right, even if she won. The school isn’t responsible for her lack of a job; it’s responsibility ended with her education. If the school said she was educated (gave her the degree) and she was not actually, then she might have some valid basis to sue it.
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MrHughes
August 5th, 2009
9:43 am
Uhhh… Fulton County taxpayers support the ASO through the Fulton County Arts Council (FCAC) .
First come first served wouldn’t be entirely fair since Fulton County tax dollars are what actually pay for programs like this.
“The mission of the Fulton County Arts Council (FCAC) is to enhance the quality of life of all citizens through support of the arts.
The FCAC assists the Fulton County Commission in the development of public policy on public support for the arts industry, makes recommendations to Fulton County Commissioners on funding the arts and generally oversees the development and implementation of publicly assisted programs that address the diverse cultural needs of Fulton County’s citizenry.
Fulton County and the Fulton County Arts Council are dedicated to the arts for the passion they inspire, the quality of life they afford us, and the economic impact they make.”
This is one of the many reasons I love living in Fulton County…
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OZZFEST
August 5th, 2009
9:44 am
Go forth on August 29 and….SHOUT AT THE DEVIL!
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April
August 5th, 2009
1:35 pm
Students can also find textbooks (current and older editions) in their libraries–for free. If only older editions are availiable, speak with the instructor to see if using a previous edition will be fine. Most older editions are the same, minus a chapter or two.
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ASCScottie
August 5th, 2009
1:51 pm
Definitely a good idea to get the ISBN number. Professors are always willing to give titles, editions and ISBN numbers in my experience, and they can usually sympathize with the ridiculous prices at the bookstores. Definitely also a good idea to ask about older editions, usually the pagination is all that is off. Relying on the library to have the texts isn’t always a good idea though. I suppose at bigger universities they have lots of copies, but I know at my smaller school there is usually only one copy of the book and it’s on reserve and can only be checked out for a couple of hours at a time. It also never hurts to post on a school message board / bulletin board and see if you and another student can trade books for a semester or just borrow the book.
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Tj
August 5th, 2009
2:42 pm
Enter your comments here
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Charles Schmidt
August 5th, 2009
3:25 pm
While several valid points are made in this column, readers should be aware that buying textbooks isn’t always better or cheaper. Students also must consider the “value” aspect of any transaction.
At least a passing mention should be made of the dangers and uncertainty of purchasing or renting textbooks on the internet. Often the lowest price found online is misleading (what about shipping costs?) and may point a student to the wrong book, wrong edition, or a book in poor condition or missing required supplemental materials. (Unlike with general book titles, the value of ISBN as an accurate identifier of course materials has declined significantly in recent years.)
In addition, the standard for identifying the condition of a book is self reported on marketplace sites and a seller’s definition of “slightly used” might be quite different than the buyer’s.
While it is possible to find the correct course materials from online sources, it is important for students to understand that their college store is the only source that guarantees them the correct textbook and accompanying supplemental material that a faculty member may require (new OR used). College bookstores also have clear, plainly documented return policies.
And then there’s the buying local benefit. When a student makes a purchase from the campus store, they can be confident that a portion of that price will be returned to the campus through scholarships, paying the salaries of student bookstore workers, etc. This can’t be said for money spent at an online site with a company based halfway across the country.
Listen, I’m not saying that in all cases the college bookstore is cheaper, but neither is it always more expensive, as seems to be the claim in this opinion piece. A recent study by the Florida Office of Program Policy & Analysis and Government Accountability found that students purchasing new college textbooks online saved an average of only $2.15 per item. In fact, online prices were HIGHER for 27% of the textbooks examined by the study.
Check out http://www.nacs.org/public/nacs/mediaroom.asp to dispel some more textbook buying myths.
Sincerely,
Charles Schmidt
Dir. Of Public Relations
National Association of College Stores
Oberlin, OH
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David S
August 5th, 2009
4:36 pm
When I went to college, more than a few of my textbooks were written by the professor who taught the class (talk about conflict of interest and feathering your own bed!). They had an uncanny habit of revising the textbook every other year and requiring the current edition. Sure, nothing really changed from edition to edition, but the checks kept rolling in.
Best advice, make sure you know EXACTLY what you need to buy, then begin shopping. Chances are great that these folks know exactly how to force you to pay the most money possible.
Thank goodness the internet universities are on the rise and driving a stake into the heart of these marble monuments to massive waste that pass for institutions of higher learning.
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Rana Cash
August 5th, 2009
4:43 pm
Charles, Thanks for the helpful tips. Comparison shopping is a basic requirement here. That includes checking out your campus bookstore, and bookstores in the immediate vicinity. The sooner you know which textbooks you’ll need, the more shopping around you can do.
I neglected to include libraries as another option. Of course that means turning the books in every few weeks, which might not be too convenient.
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Rana Cash
August 5th, 2009
4:45 pm
Dee, I’ll be on the lookout for freebies in your area.
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Student
August 5th, 2009
10:50 pm
I agree comparison shopping is the key..You have to check many places to get the lowest prices on books or textbooks. Here is the blog which has good tips for this too:
http://www.textbookhunting.com/blog/?p=5
This website helps little bit in your book comparison shopping :
http://www.textbookhunting.com
Good luck!
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Mike
August 6th, 2009
12:22 am
One of the better ways to save on textbooks that I’ve seen is at:
http://www.dontbuytextbooks.Net
Give it a try.
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Tony
August 6th, 2009
5:02 am
I think renting textbooks is a very good idea. I have tried Skoobit and they saved me money last semester. Very reliable and easy to use!
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BigJake
August 6th, 2009
9:54 am
I have always been frugal – must be the Scot in me – with coupon cutting (well worth the $2 Sunday AJC) and being part of Kroger Plus club, but since being laid off, I have had to really step up my game. I changed car insurance companies, even though I had had the same provider for nearly 20 years. I was fortunate to find a referral from my GSU Alumni Association for Liberty Mutual, and now my car insurance for myself and my oldest son is half what is was, without changing any of the coverage and increasing the deductible. I had checked into AARP, but their referrals were about the same as my previous provider.
I am blessed to be able to do a lot of DIY services myself, with the exception of major electrical projects, and have taken over the landscape and cleaning duties that were once paid to others. I am available in the Kennesaw Acworth area if someone needs a solid handyman.
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Frugal and Fun: Cheap date ideas | Atlanta Bargain Hunter
August 6th, 2009
12:27 pm
[...] Week 4: Frugal and Fun Date Ideas [...]
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matilda schletchenhhorse
August 6th, 2009
1:44 pm
Fishin’ at Piedmont park with a cold 40 and some cigs is a good cheap date…
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Fireworks In Atlanta
August 6th, 2009
3:09 pm
[...] start, was tagged with three runs in the fourth inning and took his second loss … Free ASO tickets | 1/2 off ballet | 1/2 off Toby Keith and Creed …The performance will conclude with a fireworks display. In my house, Diego is slightly more popular [...]
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Stan
August 6th, 2009
3:32 pm
I would say that skating is more akin to falling off a bike
I recently went with my wife and it was fun but rentals suck a lot more than I remember. My wife goes during the week at lunch for exercise and has her own skates. For me it was like rolling in wet sand. I did score MAJOR points for going with her and not complaining about it.
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Monica
August 6th, 2009
3:35 pm
Great article! Rana your comment about comparison shopping is exactly right and doing that has saved me a lot of money over the last couple semesters. There are websites that do the comparisons for you, which saves time as well as money. I use http://www.campusbooks.com to find the best deals. They even show rentals and ebooks as well as used and new books. Thanks for a good article. I hope all students realize that they have choices if they just compare!
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Atlanta Fireworks
August 6th, 2009
6:13 pm
[...] start, was tagged with three runs in the fourth inning and took his second loss … Free ASO tickets | 1/2 off ballet | 1/2 off Toby Keith and Creed …The performance will conclude with a fireworks display. In my house, Diego is slightly more popular [...]
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Frances
August 7th, 2009
2:54 am
You can also check out http://www.DealOz.com , DealOz compares 200 bookstore prices and free discount coupons too. Their coupons are valid and have saved over $500 on my textbooks.
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cheap lick
August 7th, 2009
8:32 am
i subscribe to bankrate.com. it’s a comprehensive site covering all aspects of banking. they give you info that is necessary to make an educated decision involving you money. check it out, it’s free.
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Corey
August 7th, 2009
9:12 am
If you a military veteran and was a member of USAA while on active duty, please re-open an account with them. The best bank by far.
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GAPeach
August 7th, 2009
9:43 am
We just moved a bunch of accounts to a wonderful new community bank across the street from The Forum in Duluth — The Piedmont Bank. They also have an office in Lawrenceville (formerly The Republic Bank). It’s kind of like the old TV show “Cheers — Where Everybody Knows Your Name!” Great service and they pay top rates on Money Market Accounts and have a 1 year CD that pays 2.75% (it’s funny to think that’s even worth noting!).
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Elizabeth
August 7th, 2009
10:18 am
I moved all my accounts to a credit union. No more banks for me!
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Bob
August 7th, 2009
10:54 am
I like Bank of North Georgia. Backing of their parent company Synovus gives them the advantages of a big bank without losing the community feel of a smaller bank.
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D
August 7th, 2009
11:02 am
I don’t get the appeal of the small town bank. Obviously if they have the best interest rate that’s one thing, but I’d rather have a bank that’s on every corner. Seeing the same faces, everyone knowing my name and stuff like that don’t matter to me. With direct deposit, check cards, and ATM deposits I never have to see anyone and I can take care of my business 24/7.
My bank is Wachovia by the way, but I’m sure you could get the same stuff at BoA, Suntrust, Chase, etc…
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J.N. Urbanski
August 7th, 2009
12:29 pm
I have always been good with money, but since I bought my house here in New York, I’ve been extra frugal and my friends and family have been nothing but 100% supportive. I suppose it helps that when I did have more discretionary income – as my income rose when my career took off – I was generous: buying drinks, giving free advice, help, lending money, etc.
Friends should be supportive! That’s their job. If not, then they’re not friends.
J.N Urbanski
http://www.wakeuptofrugality.blogspot.com
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Free and cheap: Tacos | Music | Clothes | Braves | Atlanta Bargain Hunter
August 7th, 2009
2:00 pm
[...] Free comedy, $3 Manuel’s burgers and dogs, $5 at the High [...]
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Free and cheap: Tacos | Music | Clothes | Braves | Atlanta Bargain Hunter
August 7th, 2009
2:01 pm
[...] Discounted Grease tickets, free backpack [...]
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js
August 7th, 2009
3:43 pm
Cool, thanks. I also get my event and promo information from mycustomday.com. They usually have a coupon/promo code for all the stuff I like doing.
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Jodi
August 7th, 2009
5:20 pm
Yeah, but js who wants to pay $8.95 a month. I’m sticking to the freebie sites.
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KC
August 8th, 2009
8:59 am
I think it’s very cool to be frugal, but then again I bought my first house when I was 24, while all of my friends were in apartments. Recently it’s become more acceptable to be frugal due to the economy, but I think we still have more to do.
My friends are thankful when I bring a coupon to share at lunch, but I’m the only one who has made an effort at a garden and makes my kids lunches every day (although those are also to be healthier as well as frugal). I bet I am also the only one who reuses plastic baggies (at least the ones that only hold crackers or other items that aren’t messy). The only one that I’m still trying to get on board is my husband who eats a lot of lunches out, although he claims it helps with networking.
It doesn’t bother me that I make an extra effort because it has enabled me to feel comfortable with quitting my job to be with my family. I’m looking forward to staying at home because then I’ll also have more time to make cheaper, more healthy meals and use coupons more regularly… a win-win all around!
Don’t let others try to make you feel bad in saving money. I think it only goes too far if you don’t make an effort with making everyone comfortable. For example, don’t agree to go to an expensive restaurant only to order a cup of soup and water. Be creative and have fun, and save some time to enjoy your growing bank account!
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Cynthia
August 8th, 2009
10:01 am
I have always been frugal with money. I have at least one day out of the week where I spend no money even though I am out and about. A lot of times it’s just mindless shopping, but that all adds up in the long run. My family and friends are asking me to help them better budget their money especially in these tough economic times. You’re right, frugal is cool!
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jg
August 8th, 2009
11:09 am
For many years I was a single mother of 3 – and I had to stretch every dollar – I think women like the idea of a good bargain – so my friends and I play a game we call “I NO PAY FOR THAT” – coupons, bogos, early bird specials, internet specials..wherever we can get a deal!!
Growing up my mom had only a certain amount she could spend on groceries – she clipped coupons and the money she saved she would put in a jar – at the end of the year she had hundreds of dollars…
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RH
August 9th, 2009
11:33 am
First and foremost, it is rude to talk about money. I don’t think it is anyone’s business to know how much I make or what my current financial situation is or vice versa. Talking about saving money and the current economy in general is fine.
IMO, some have taken frugality a bit too far. Overkill to the point where it’s all consuming and unhealthy. Everything in moderation. No lectues or finger pointing.
I think the problem with frugality today is that tomorrow they will be back to overspending when economic times are better.
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Jim Nystrom
August 10th, 2009
9:22 am
I have no plans of ditching the landline primarily because of the safety issue. If an emergency were to occur, and any of us had a problem telling the 911 operator the address, with the landline the 911 operator can easily determine the address. That is not the case with a cell phone. For that reason alone, the landline is worth the $35/month I pay for it.
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Renee Woods
August 10th, 2009
9:34 am
My dad always said that we should keep a landline in case (God forbid) something really bad happened and we couldn’t get cellphone signals. He said the landlines would continue to work. I don’t know how true that is, but it sounds plausible. However, because of my tight budget, I stick with just a cellphone. I’m rarely home, and at the moment, I fear having an emergency (car accident, getting mugged, etc.) more than I fear some major catastrophe.
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Stan
August 10th, 2009
11:14 am
No landline for us. With a 45+ mi commute for me and about a 30+ mi commute for my wife, I feel justified in keeping hte cells and dumping the landline. Esp since the phone co doesn’t want to allow you get the cheapest phone line. To get the truly bare min landline you really have to push for it.
The problem I have with cell only is my wife made a bad choice on her “free” upgrade phone last time and it is dying with a few month till she can get another. and the ATT store doesn’t really sell phones…
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Kar
August 10th, 2009
1:27 pm
Even without the staples I’d have a fire extinguisher on hand. You can’t walk away from this like it was a commercially packaged bag of popcorn.
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Kar
August 10th, 2009
1:29 pm
Even without the staples I’m uneasy about the homemade popcorn bag.
Unlike a commercially package popcorn, you can’t walk away from the homemade version while it’s in the microwave.
I’d have a fire extinguisher on hand and definitely adult supervision.
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wrd
August 10th, 2009
1:39 pm
Eggs are not a significant source of saturated fat. They are high in cholesterol but this usually is not a concern for most folks.
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VoiceOf Reason
August 10th, 2009
3:05 pm
First of all, where are you shopping where as these snacks are about $1 per serving. Popcorn? Ants on a log? Yogurt? Eggs? If this is costing you more than 30 to 50 cent per serving, you’re doing something wrong. Now, with that said…..
these are great suggestions! (Except the pita pizza, thats kinda filling for a snack. I can’t imagine a kid eating that and still having room for dinner a couple hours later. Maybe a teenage boy…..)
And Kroger has Lunchables on sale for 10 for $10 this week!!!!!!!
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SYNCHEESHAK
August 10th, 2009
3:54 pm
hy, i like your website, look at that freaky rotten eggs game:
in http://tinyurl.com/m659lu
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Jennifer
August 10th, 2009
5:38 pm
Matilda, I am going to need you to do better…
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Beverley Cunningham
August 10th, 2009
6:41 pm
Thanks for these quick & easy to make recipes. I don’t have any kids, but I will be making some of these delicious snacks for myself!
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anotherVoice
August 10th, 2009
7:01 pm
Lunchables are easy but many are junk food. And one of the worst offenders for cluttering up landfills with all that packaging!
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marilyn
August 10th, 2009
9:52 pm
I would like to give up my landline but my only concern is how would i fax…
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marilyn
August 10th, 2009
9:53 pm
Enter your comments here
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Jerry
August 10th, 2009
11:23 pm
Thank you for the discounts. They are very helpful for us older folk. I also find http://www.seniorsdiscounts.co.uk useful when traveling, especially as there is no joining fee.
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Perfect Moment Project
August 11th, 2009
12:43 am
Oh yeah. We spent a wonderful morning at The Flying Biscuit recently.
Take a look at the photos:
Sometimes you just gotta have a biscuit
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richard dodelin
August 11th, 2009
8:37 am
BUYER BEWARE!…YOU GET WHAT YOU PAY FOR…LIBERTY MUTUALS CLAIMS HANDLING IS HORRIFIC…i deal w/ them regularly;out of the big companies there is no worse…close seconds are progressive and allstate…STAY AWAY FROM THESE COMPANIES…if you choose to go w/ them to save a little $,you will regret it when a claim comes up,especially a large claim which is typically the very reason you purchased the insurance policy.
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jackyldo
August 11th, 2009
9:08 am
Been with Liberty Mutual since I started driving in New England in 1966 – Never had a claim that was a hassle – The agent here in Peachtree City handles both auto and home for us and calls about once every 12-18 months to review and see if there are changes.
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reservoirDAWG
August 11th, 2009
9:13 am
As an independent agent I have a lot of insight. What independent agents are able to do that a captive agent (State Farm, Allstate, Nationwide, etc..) cannot is shop your insurance upon request. We represent a multitude of companies and can determine which best fits your needs. As for saving, the multi car and multi policy discounts can really help. Taking a defensive driving courses and having a clean record also help.
A lot of the companies we represent are using an insurance score to give discounts. Essentially an insurance score is a combination of your credit, loss history and driving record.
If you are concerned about claim service then check with J D Power.
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Karen
August 11th, 2009
9:41 am
I am insured by Liberty Mutual. I love the service they are providing for me and my family. I have had one claim at it was handled exceptionally well. I wanted to go back to Travelers in the future, however I think I will stay with Liberty.
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Have you taken these steps to lower your car insurance? | Atlanta … - AutoForexProfit
August 11th, 2009
12:30 pm
[...] Jeff Keiss describes himself as “the ultimate penny pincher.” So, when he decided to shop around for less expensive automobile insurance , he did so with the. Read more from the original source: Have you taken these steps to lower your car insurance? | Atlanta … [...]
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NoleGirl
August 11th, 2009
1:17 pm
I tend to do like Stan and make my own “snack size” treats for my son who is five. I make our own trail mix – containing almonds, Craisins, some Gerber Graduate sweet potato snacks (he still loves them) and goldfish. I buy all of these items in bulk (less pricey), then mix them up and make our own baggies to take to school for snack time or to have around the house. String cheese is a great option, as well. Yogurt is always a hit at our house and often we freeze it with a popsicle stick and it’s a creamy frozen treat! Nutri-Grain bars are good and easy on the go snacks, as well. Also, try edamame – shelled.
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Marty
August 11th, 2009
2:11 pm
I have been with Liberty Mutual since 2001. I have had claims and they have been handled quickly and fairly. Per Richards comments-You do not have to deal with the major carriers if you choose not to. My choice is to work with a finacially sound company and you make me question your ethics for doing the right thing if you are downing the companies that are sound and fincial. Brokers get to play middle man but I choose to deal with a captive agent that knows all of the procedures of the company inwhich they are employed with.
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nick pirozzi
August 11th, 2009
2:13 pm
I work for Liberty Mutual Insurance. In regard to “reservoirDAWG” and “Richard dodelin” I would encourage them to look at Liberty Mutual’s rating from A.M Best Company. (they independently rate insurance companies) an Liberty Mutual has an A. I strongly believe in our customers service and claim departments and apologize for anyone who had a negative experience with us. However, it seems the customers above have good things to say and the independent agent and Richard dodelin, who does not say he personally had a bad experience, might be trying to persuade customers to insurance companies other than Liberty Mutual.
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reservoirDAWG
August 11th, 2009
2:17 pm
Nick, I have nothing bad to say about Liberty Mutual. As a matter of fact we have many commercial policies with them. My point was to talk to an independent agent as we not only have access to companies like your’s, but also many others that may better fit a customer’s needs.
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Blackberry Cobbler
August 11th, 2009
2:47 pm
I’m a diabetic. I need ideas for snacks that are zero/very low sugar and very low in carbs. Any suggestions.
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Randy Nichols
August 11th, 2009
3:32 pm
Nice writing style. I look forward to reading more in the future.
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Heather
August 11th, 2009
3:58 pm
I usually slice up an apple,some cheddar cheese, and 2 rectangles of a low-fat cinnamon graham cracker after getting my daughters off the school bus. That holds them until dinner a couple of hours later.
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Have you taken these steps to lower your car insurance? | Atlanta … | Ali Mustika Sari
August 11th, 2009
4:01 pm
[...] original post here: Have you taken these steps to lower your car insurance? | Atlanta … Share and [...]
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Google Dating Online » Frugal and Fun: Cheap date ideas | Atlanta Bargain Hunter
August 11th, 2009
5:14 pm
[...] Frugal and Fun: Cheap date ideas | Atlanta Bargain Hunter This entry is filed under Date Ideas. You can follow any responses to this entry through the RSS [...]
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Google Dating Online » Frugal and Fun: Inexpensive date ideas | Atlanta Bargain Hunter
August 11th, 2009
5:15 pm
[...] the rest here: Frugal and Fun: Inexpensive date ideas | Atlanta Bargain Hunter This entry is filed under Date Ideas. You can follow any responses to this entry through the RSS [...]
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The Truth
August 11th, 2009
11:16 pm
I made extra money this summer by taking an acting job…more specifically a porn actor. I was amazed I was paid to have fun.
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Nick
August 12th, 2009
8:41 am
Yeah great idea if you go somewhere that allows things like this to happem. At most major Universities in the State, you can not hang things on the walls let alone paint them. Georgia State does not even allow you to take their supplied furniture out of the room so to do all these things would be nearly impossible given the obstacles in the room now.
This is for some fantasy design school not college…
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JJ
August 12th, 2009
9:22 am
Yea, and who pays for all that stuff? The parents.
At my daughter’s college you cannot put ANYTHING on the windows. No nails in the wall, etc.
There isn’t enough room in her room for any furniture, like a sofa or dining table……..
This is silly……and expensive to say the least. Let them fix up their own apartments when they are out on their own, and off my dime!!!
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jct
August 12th, 2009
9:29 am
Hello, what school is going to allow all of this? This is totally an unrealistic article if you are living on campus.
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Rana Cash
August 12th, 2009
9:44 am
Actually, this was room was done at UGA in ‘07. Many schools will let you paint the walls — as long as you re-paint with the original color when you leave. The flooring is simple and can be done because it doesn’t adhere to the floor. You can also use area rugs. The hanging lamp requires nothing more than a simple hook; you can also use string lights. The cube ottomans? You can do that anywhere, even if it’s a tight squeeze.
The table and the loft might be trickier, depending on the school and what it allows.
Throw pillows? Lamps? Comforters? Plants? Photos? Posters? These are within reach for most college students living in dormitories. And they don’t cost a whole lot.
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Rana Cash
August 12th, 2009
9:47 am
Let me add the sofa to the list of “stretch” items, along with the loft and table. Wouldn’t have fit in my dorm room. But having a nice, comfortable chair — something other than leaning against the wall next to your bed — is a good idea if you can swing it.
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Becky
August 12th, 2009
10:04 am
Forget a dorm room, can he come oer and decorate my house?
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bridget
August 12th, 2009
10:17 am
there are a lot of cheap ways to decorate a dorm in a way allowed by the college, but these are not them. colorful bedspreads, lamps (taking away the glare from overhead flourescents) and throwrugs are the best ways.
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GeoffDawg
August 12th, 2009
10:29 am
Where do I sign up for the porn watching study? Do you need to provide your own kleenex?
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ZZ
August 12th, 2009
10:33 am
Paper route as a kid. In graduate school I started my own advertising agency with two other grad students and handled all the advertising for a local car dealer, plus did some small one time projects. We didn’t get rich but had experience and a portfolio when we graduated. Also in grad school, did product sampling in a new grocery store and telephone polling in the political science department.
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webbie
August 12th, 2009
11:48 am
Is the place off Exit 6 the Beef Grill?
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webbie
August 12th, 2009
11:49 am
The Funny Farm shut down a few months ago. The whole of Startime Entertainment did, in fact.
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Rana Cash
August 12th, 2009
12:19 pm
Webbie, which place are you referring to? The ‘Funny Farm’ is now “Laughing Skull,” located at the Vortex on Peachtree. I often post ticket deals there; last weekend, for instance, was buy one get one free with a promo code.
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Rana Cash
August 12th, 2009
12:19 pm
By the way, Nolan, that’s an incredibly sweet story!
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Pam
August 12th, 2009
12:42 pm
Williams-Sonoma in Peachtree City has FREE cooking classes on Sundays from 1pm to 2pm.
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Rana Cash
August 12th, 2009
12:48 pm
Pam Thanks for the Tip!! I’ve been looking for something like that to include in my Frugal and Fun Date Night Ideas, posted every Thursday.
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KPP
August 12th, 2009
12:50 pm
Where can I sign my husband up to make extra mony watching porn? Porn & money, two of his favorite things….
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Keep It Real
August 12th, 2009
2:01 pm
What dorm rooms are they looking at… How in the world do you put a dining table in the room. Why would you build a loft in a dorm room? It’s hard enough trying to get your groove on in a regular dorm bed, now you have to worry about falling on the floor…
Whatever happen to the local carpet store selling carpet specific to your dorm and hanging a few pictures from the wall with 2 sided tape…
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J
August 12th, 2009
2:23 pm
It looks really cool; too bad most universities won’t allow something like this. I mean, painting walls? We can’t even hang things from the walls…
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Sara
August 12th, 2009
2:51 pm
Why not actually do some reporting and go to a real college campus in Georgia and see what real students are doing to make their new homes more comfortable! This article is totally unrealistic! There ARE a lot of good ideas out there that don’t involve painting and putting holes in the wall, so please don’t waste the reader’s time with something that can never be implemented.
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KMP
August 12th, 2009
2:58 pm
Cool Stuff! The white dining chairs look like the ones I purchased from http://www.CoolChairz.com! I got a set of 4 for around $600.
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lwa
August 12th, 2009
3:03 pm
Some schools offer the option of the student purchasing a loft bed. I did so in 1989 at VA tech. My roommate put her bed under mine and we were able to fit a futon in the room. It came with a small table and we used it as a coffee table. Some things can be done. Depending on how the window is shaped, you can get a tension rod and hang curtains. Depending on the size of the room, you can get an area rug that covers almost the entire space. Remember, a loft raises the bed and allow for more floor space. I have seen it work.
When my daughter is accepted to the college of her choice, one thing we will do is visit the dorms before school ends the previuos year and get some decorating ideas. You don’t have to spend a lot of money but I want her to feel comfortable in her new home.
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JawJaw Dawg
August 12th, 2009
3:05 pm
Rana! Kudos to you and forget about the negative comments. I love it. I had a loft (yes Keep it Real!) back in 1984 at UGA…my roomate’s father designed and built it for us in our Reed Hall dorm room and it just about doubled our living space. We each had our bed and the telephone ((corded in those days) on a shared table area “upstairs” that connected are beds which were on separate sides of the room. Our desks were under our respective beds thus giving us plenty of extra living space. I’ve got two teen daughters and they are looking forward to making their first home away from home their own… even though it will be their dorm space. Fabric covered or painted wallboard/thin plywood/even scrap cardboard boxes taped together will work when painting walls isn’t an option. Two sided tape is a must. Stock up on plenty when moving in. I see the dining table as being a great substitute for desks. Choose one or the other. I think the table makes things more homey and civilized even though I ate at the dining hall or out most of the time. Lighting options are so fun these days. I think Rana made excellent use of the money spent. She wasn’t saying to spoil the kids with a lavishly furnished condo. She is showing how to glam up your dorm…good grief JJ. Some people need to lighten up and enjoy the “paper”. Keep the decorating ideas coming
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JawJaw Dawg
August 12th, 2009
3:06 pm
oops…our beds
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Rana Cash
August 12th, 2009
3:10 pm
I hear you guys loud and clear! I’m updating the blog with ways you can turn Brian’s ideas into ones that suit your dorm room as well.
Whether you have a spacious room and a college that’s pretty lenient when it comes to this, or one that’s smaller and a bit more strict, the concepts here are applicable. Also, be sure to click on the links at the end of the post. More great ideas in each one!
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Rana Cash
August 12th, 2009
3:13 pm
The chairs definitely weren’t $600! Cool, though, that you can get a similar look for nowhere near that cost.
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Oh boy
August 12th, 2009
3:18 pm
Yeah Keep It Real- Getting your groove on IS most important when one goes to college… Uh huh- had many a roommate that did the same….. Shock
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Mike
August 12th, 2009
3:34 pm
GeoffDawg, they don’t want you if all you need is a kleenex. They want Bounty men.
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ihorizon
August 12th, 2009
3:47 pm
A good show to watch is Design on a Dime…Joy can show you how to redo a room under $500 or rearrange furniture! I wished we had HGTV when I was in college!!!
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KGH3
August 12th, 2009
4:42 pm
We found an big old wooden wire spool from one of my Dad’s construction sites and glued a piece of luan plywood on it. Three coats of polyurethane and we had a nice round table for the center of the room. Thing did’t cost $20. That little table saw a lot of use. As far as hanging stuff on the walls – posters held up with blue-tack. My roomate found out that a beer cap would stick into the popcorn ceiling so he went nuts putting designs up there with beer caps. To think there were three of us in a space about the size of my walk-in closet.
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brianpatrickflynn
August 12th, 2009
7:15 pm
Enter your comments here
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D
August 12th, 2009
10:15 pm
Great ideas….I always decorated my dorm while I was in college…actually won 2 years inthe row for best room….I couldn’t paint the walls but my room mate (3years straight) would use a variety of tactics- we did hang nails (even though u clndn’t) nothing spackle doesn’t fix at the end of the year. We had a loft and lighting….we even had pets…rabbits and hamsters (no these also were not allowed)..but who followed rules in school…lol…Underneath our beds we made took regular throw pillows- some found at home and thrift stores and made cozy spots to chill…we did have a couch and desks…but who used desks anyway…they were to hold onto our other no suppose to have items such as a hot plate….Our goal was to hava an environment where we felt at home…plus be able to get our work done….why not…all the stress you can go thru in college…you need to come home to place of your own….I could not imagine keeping my room plain jane all thru the years…. Rana- good light article….
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Christie
August 12th, 2009
10:20 pm
I need an interior decorator to fix up my apartment, does anyone know any in the Atlanta/Smyrna area with decent rates? Ill be looking for your response. Thanks
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cara
August 12th, 2009
10:37 pm
My daughter is at West Georgia and you can’t remove any of the furniture, the ceilings arent hig enough to build a true loft. You can bunk the beds but it’s tight. Concrete blocks aren’t really toe friendly in the middle of the night. You can’t paint or really hang much on the walls without doing damage and losing your deposit. Who’s going to lay vinyl flooring on top of vinyl flooring? There is no room for a chair for guest. I’m not sure where you would put a dining room table…on top of the bed??? Cube ottomans…I think my daughter has about 12″ of space between the beds when they are pullled out. Lighting…she is a itty bitty desk and an even smaller dresser. We squeezed in a task lamp and that’s it. I don’t think we even had space in the power strips for designer lamps after the laptop, printer, task lamp, cordless phone, hair dryer, phone charger, iron and whatever else is needed. Tray tables were a neat idea but who eats in their dorm room like that? Don’t skimp on the comforter but you found one for $29.99..who wrote this article? Most of the dorm rooms don’t have closet doors so you can’t hang anything over the door. The main door is shared and who wants to look at anyones shoes the whole year? I think the throw pillows are a good idea but nothing new. These ideas aren’t even suitable for a student in an off campus apartment. The paint should have been the first sign of trouble from this designer. What a moron. He really missed the mark on this.
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Spalding Drive homeowner
August 12th, 2009
11:01 pm
well a pic is worth a thousand words, no photoshop here. part of college is being creative, dont spoon feed your kid, they will be more popular if they a doa cool room on there own….
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Weekend to do list: August 14-16 | Inside Access
August 13th, 2009
12:05 am
[...] Outdoors: Fee-free weekend runs at all U.S. Parks, include Kennesaw Mountain National Park, Martin Luther King Jr. National Historic Site and Chattahoochee River National Recreation Area. FREE. MORE INFO. [...]
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Voice of Reason #1
August 13th, 2009
12:37 am
This article made me wish I was 35 years younger and able to go back to college. I’d certainly do some things differently, like have more fun. I was Ms. Studious and Ms. Church-girl. I also was broke (poor family), so all this “stuff” looks great. My experience was a bare-bones dorm room. My conduct paid off; I have money now. But a few months of fun college living would be good. I like academic settings.
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Girls night out on the cheap | 50% off Dora | Atlanta Bargain Hunter
August 13th, 2009
7:02 am
[...] Check out these deals as well. [...]
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Bill Johnson
August 13th, 2009
7:02 am
Sure didn’t help jobless lil ol me…
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CC
August 13th, 2009
7:25 am
My husband is in the car business and Cash for Clunkers has increased sales. It is a good for the county, federal and state income taxes. We had always planned for slow months in the business but nothing could have prepared us for the last eight months. It was a much needed boost to the struggling auto industry.
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Russ
August 13th, 2009
7:37 am
They should have made it where you got more for your clunker if you bought a new car made by GM, Ford, or Chrysler, the domestic manufacturers. Even though some of the foreign cars are assembled in the US the economy benefits more from the sales and profits of the American three.
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David S
August 13th, 2009
7:42 am
Stealing money from one group in society and giving it to another is not only immoral, but the belief that this transfer of wealth in any way made the overall economy better off is patently absurd.
Socialism has already been shown to be a failed economic system. For some reason, americans are too stupid to have learned, or are too enamored with the idiots they elect to figure this out. I guess they think that somehow americans are so great that they can repeal the laws of economics, just by clicking their heels and hoping things will magically work.
Yes, while car dealers and the local tax wasting authorities are now flush with cash, the value of the dollar has been reduced for all americans and prices for everything will certainly be rising as a result.
http://www.mises.org if you actually want to learn something about economics.
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David S
August 13th, 2009
7:47 am
Russ, the only way the economy benefits more from the sales of the big 3 cars is that they break down more often so owners have to spend more to fix them than the better made foreign cars.
The bottom line on all cars sold in american is that they must be over a certain percentage of parts made in america to avoid the tarriffs. The big 3 use as much imported material as will benefit them financially as do the foreign car companies.
The big 3 have already benefitted way too much from decades of tarriffs and other subsidies. And what have they done with their benefits? They continued to produce gas guzzling, poorly made, short lifed vehicles that nobody wanted. These benefits have already cost the american taxpayer plenty, for nothing.
If a business cannot compete on its own, it should fail. To do anything to alter that is to hurt everyone else.
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jborodave
August 13th, 2009
8:22 am
So, this stimulus to the economy was a “transfer of wealth”. I guess the GOP’s “supply side economics” (tax cuts for the top 5 percent) wasn’t; and isn’t. According to almost all the car magazines and JD Power, GM and Ford have been making some good reliable models for several years.
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I'm Gonna Key Your New Car
August 13th, 2009
9:06 am
While I’m struggling to keep my 1991 and 1992 cars in good shape, I’m real glad to see MY tax money going to buy all these FOREIGN cars for losers like YOU!
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Stan
August 13th, 2009
9:22 am
I’m indirectly in the car business. This progam while good for dealers (only in the short term) and good for MFGs (again, short term only) is bad for the people. I’ve read many reports where people traded in paid for cars that ran fine for a car with a payment. That will NOT save you money.
I’ve seen how poorly thought out this program was from the start. It went into effect before the rules of it were in place. That makes no sense. But because it blew through the allotted funds, it is now being called a success.
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Atlanta Gal
August 13th, 2009
9:33 am
Some of us need trucks. A dinky hybrid or a small truck isn’t safe to pull a horse trailer. I am trading my old clunker truck for one that is more fuel efficient. Every little bit helps!
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Jeff
August 13th, 2009
9:38 am
My two clunkers, 1990 Jag V12 convertible and 1967 Triumph TR4A, are gonna stay in my family til I die. No Toyota econobox could come close to providing the driving enjoyment I get from these two. Of course, if you really don’t enjoy driving, then any set of wheels will suffice.
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RGB
August 13th, 2009
9:44 am
Well said, David S. Most people are economically illiterate–and one just posted the tired phrase “tax cuts for the rich” after your post. Either he doesn’t know that the top 1 million American tax filers paid more in taxes than 135 million American tax filers–or he doesn’t care. Either way its their money and the more of them in existence, the more jobs.
I’ll check out the site you posted. Here’s one that I like:
http://polyconomics.com/ssu.html
Please, illiterate poster, do not visit this site. Remain in the dark so that you will continue to be “easy pickins’” for the politicians.
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senoiadawgs
August 13th, 2009
9:54 am
I bet the repo men are already lining up. Next headlines in 6 months, Cash for Clunkers huge boom for the repo man. People who can’t afford new cars trading in paid for vehicles in the worst job market possible. Way to go DC you all must be really smart.
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senoiadawgs
August 13th, 2009
10:03 am
This would be some interesting data you will never see about the cash for clunkers program. How many of the people that have used the program actually pay $4500 or $3500 of federal tax dollars in a year? For all of those that do not pay that amount can I please borrow my car you are driving?
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Tim
August 13th, 2009
10:03 am
I fail to see why it is anyones business what someone bought. If I want to drive 3 hummers, and a 3/4 ton pick-up, I feel like I should be able to without anyone in the government commenting about it. This is still America, right? Or, did we lose something on January 20th when ‘Dear Leader’ took office? I am more concerned with the folks on WIC driving Mercedes Benz then I am with people spending THEIR money the way THEY see fit.
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Lilly g
August 13th, 2009
10:10 am
In this economy, someone would trade in a running paid off car, for a car with payments? That’s not the government taking advantage of people, that’s people not using their brains! Just because they offered this program, does not mean everyone had to take it! That’s one of the great parts about America, we have choices!
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Noni
August 13th, 2009
10:15 am
Relax Tim, no one is telling you what to drive and what not to drive. They are simply encouraging ppl to drive more fuel efficient cars in an effort to stop depending so much on foreign oil. Well, at least that sounds good! Can I borrow the keys to one of your Hummers this weekend?!
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LC
August 13th, 2009
10:17 am
Same thing as people buying houses they couldn’t afford because the government enabled them to do it and look at the mess we are in as a result of that brilliant plan!
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Janet Hardesty
August 13th, 2009
10:24 am
I did. I had a 14 year old Cadillac – traded it on a 2010 Kia Soul. I love my new car and the fact that I only have to fill it up once a month. I was going to have to replace the car anyway. It ran, but needed lots of work. I was going to have to spend money anyway. This way I got $4500 of my new car!
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David S
August 13th, 2009
10:36 am
Anyone who knows me knows that I have been complaining and fighting against taxation (theft) for all my voting-eligible life. Why is it that any criticism of an Obama program is automatically seen as an endorcement of a Bush or republican program? The republicans are as horrible as the democrats,if not worse. At least the democrats have the courage and audacity to speak like socialists/communists. They love big government and aren’t afraid to say so. Republicans on the other hand say they are for small government so the people with common sense will elect them, then they spend more than the democrats (W is obviously the best example of that – along with his republican congress).
Yes, this program is a forced wealth transfer. You could have gone and spent your own money to buy a car and the dealers would have enticed you with their own money, but this program sweetened the deal with money either stolen directly in taxes or indirectly through inflation of the money supply. The government doesn’t produce wealth to spend, it steals it. Anyone who benefitted from this program is as guilty of theft as if you stole the money yourselves.
And yes, the bulk of our society is set up in this fashion, and yes I would like to see it all go away in favor of government that abides by the constitution. I vote for candidates that support that view and don’t vote for candidates that don’t.
Thousands of industries all over this nation are suffering from the results of the Federal Reserve induced bubble and its collapse. They do not have the lobbyists that the auto industry has, nor do they have the unwarranted support from the uninformed populace that the auto industry has. People are unwilling to objectively look at this program for what it is because they are too self-interested in getting something for nothing via the power structure of the government and because they do not understand basic economics. That is what america has become.
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JE
August 13th, 2009
10:44 am
Traded in a 98 Jeep Cherokee Classic (16 mpg)for a sporty new 2010 Mazda 3 (27 mpg). Program was perfect for our family and came at a good time.
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Kevin
August 13th, 2009
10:46 am
Just another short term fix for a long term problem.
Maybe one day we will realize that bailing water out of a sinking ship doesn’t help until you plug the hole.
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ED
August 13th, 2009
10:47 am
I can’t help but think that this program is forcing people to trade in sooner rather than later. It is basically stealing sales from 2010. If the government is going to offer rebates it should be done when people file their tax returns and done on a continuous basis. And, rebates should be for vehicles that get greater than 25 mpg. I’d rather have my dollars going to countries that produce automobiles than to ones that produce oil.
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KJ
August 13th, 2009
10:51 am
You know the best way to “boost the struggling auto industry”? Quit paying high-school dropouts $37 an hour with sick benefits to turn a screw. Then put that money into R&D, so you might actually be able to compete with the non-union auto manufacturers.
Encouraging people who are driving $2000 paid-for cars to trade them in for a $30K note is about as fiscally irresponsible as it gets.
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CBL
August 13th, 2009
11:04 am
6 of the 10 cars are foreign, not surprising.
Enticing people with money from us taxpayers to borrow more money to buy new cars they can’t afford- that’s all it is. More subprime lending. Looks like the stupid legislators need to be whacked upside the head until they learn their lesson from causing the housing crisis.
I can’t believe some people can’t see the barbed hook hidden in the stinkin’ bait…
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Rhonda K.
August 13th, 2009
11:07 am
Traded a 1997 Ford Explorer that got 15 miles per gallon for a 4 cylinder Jeep Patriot…we’ve been on the fence about getting a new car for a while, and this program worked for us…The Explorer had 170,000 miles on it, no ac, vaccum leaks, the front wideshield was beginning to fall out…but it lasted 10 years, we expect the same from the Jeep!
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BPJ
August 13th, 2009
11:08 am
It’s great that more people will be driving fuel-effecient cars. That’s less money going into the pockets of the leaders of Iran, Russia, and Venezuela.
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Kevin
August 13th, 2009
11:09 am
KJ, agreed.
This program is just another way to sell people into a lie… that down the road will need another lie and another program to “fix” the first program that was in place to “fix” the auto industry. It is all just a huge game.
This is going to help them create “emergencies” down the road that they will have to continue to “come to the rescue” and “fix.”
However, the government can’t fix crap… but they’re good at letting it fall out of their mouths.
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The Truth Hurts
August 13th, 2009
11:20 am
CC since when is the US Government in the car business? Oh yeah…since your buddy Obamalama started nationalizing everything he could put his hands on. Ok so it helped the car business..why don’t we pay for spoiled veggies that are brought into the grocery store so we can help the grocery business? When are you and people like you gonna stop taking every government hand out that Big Daddy Bama wants you to be beholden to him for?….Get some cajones….take care you yourself and stop expecting the government to do it for you.
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Crushed Clunkerman
August 13th, 2009
11:24 am
I’m a prototypical C-4-C example:
– Family of 5 owning a Ford Explorer for 13 years and 155k-plus miles, bought new, been paid off for years and thoroughly worn out, with less than $1500 trade-in value and, although mostly dependable, in need of $1500-plus in repairs. Pity… it would have made decent transportation for someone.
– Been planning on a new family car purchase for the past couple of years. The Fed’s hocus-pocus creation of C-4-C came along at the right time for us.
– Was surprised to see that the Feds, in standard bureaucratic operating wisdom, EPA-rated our Ford at 16 mpg, qualifying for C-4-C. That car never acheived less than 19-20 mpg overall. This model is the number-one C-4-C trade-in.
– More surprise to learn that mid-size SUVs also qualified as the new car purchase. We only had to better our trade EPA-mpg by 2 mpg. This is the “special intrest group pleasing” legislative mentality that you get with Community Organizers in charge.
– The biggest surprise: the C-4-C program wasn’t limited to Detroit products, which seemed like the neediest recipients for such help, but what do I know… I’m just a taxpayer. We bought a made-in-Alabama 2010 Honda Pilot, qualifying for the $3500 incentive. Since we were in the dealerships in the weeks before the program started, we were able to get a deep discount off MSRP before going for the C-4-C money.
– Two last points: My household has already paid far more than $3500 in federal income taxes so far this year. As for future visits from the repo man… we work hard and often sacrifice to make good choices in life, and because of that don’t live in a world where that is an option, let alone a threat.
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GAStateBusiness
August 13th, 2009
11:32 am
Well said comments David. I am currently an accounting student at GA State and I know for one the trouble all of this is causing from my tax classes.
It is said in basic tax language and concepts that for every good thing the governments does, it does something bad. It’s the “ying yang” theory of government taxation. As for determining whether it is a good thing or not is to measure the net effect of the good and the bad done by the policy.
This “cash for clunkers” has managed many bad things. Number 1 it’s opening up an opportunity for American’s to get into another credit crisis within the auto industry much akin to the housing industry. It is evident by people trading in good running paid off vehicles to have a new car with a payment.
Number 2, this plan has a very poor chance at achieving economies of scales in the long run. It may be a short boost in the short term, but when the money is out, then what? You have American’s left with payments and car companies not knowing what to do next.
Number 3, We are borrowing more money and spreading to programs not necessary in the current economic situation. If you think for a second that deficit gap was big before the stimulus you are in for a big surprise. Americans will be paying for all of this likely past our lifetime and into the next generation in taxes. The more money we borrow for such frivolous programs meant to satisfy constituents who take actions for face value, the worse off we are as a society.
This program is Obama’s way of appeasing his voters with the “let’s do something just to do it because something has to be changed” mentality. That’s all. Alas, we will all pay for it.
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Well Grounded
August 13th, 2009
12:03 pm
Foreign car buyers are the most ignorant lot of people on earth when it comes to the reasons they but them.. reliability? Show me the data. Seriously, show me the data that backs up the claim that Honda, Toyota, etc have better reliability than Domestic. Not car for car even, but overall. Data, hard facts.
The foreign car buyer is the ipod buyer, is the trendy jean buyer.. is the do what other people are doing and it makes me cool type. I know many.. and it’s quite funny the reasons they give. All parroting each other.
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Ralph A. Heine
August 13th, 2009
12:29 pm
Why am I not able to get the Angus burger coupon with the fries and drink? I have been trying for days but just keep getting to your homepage. Not able to get to the coupon!
Thanks
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Rana Cash
August 13th, 2009
12:52 pm
Hi Ralph,
Sorry you’re having trouble. Try this link: http://cdn1.eyewonder.com/200125/poc/McDonalds/Angus/landingpage.html
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Basketballjones
August 13th, 2009
1:27 pm
Sports Illustrated is running a deal now where you get Madden 10 for free if you sign up for a subscription, which is only $49. https://subs.timeinc.net/SI/si_madden09.jhtml?experience_id=240532&source_id
And Rana, work on your subject lines, and stop trying so hard to rope people in with something so misleading… If your getting Madden 10 this week you’re paying full price, and this blog isn’t going to help you.
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Stan
August 13th, 2009
1:45 pm
I refuse to pay over $40 for any game. I’ve had pretty good success with Game Stop (and Movie Stop for DVDs) In general it is MUCH cheaper to wait till something has been out for awhile. There is nothing really gained by being an early adopter.
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Rana Cash
August 13th, 2009
1:48 pm
Hi Basketballjones,
My hope is that if you’re thinking about getting the game this week, you might read the blog and reconsider. Or at least give it a little more thought, even if you end up moving forward anyway.
And I like that SI deal. I’m a big SI fan, and have been a subscriber for years. Not a bad way to get two products — a hot game and great mag — for a nice price.
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Well Grounded Isn't
August 13th, 2009
2:45 pm
Well Grounded, well, isn’t.
My personal experience is that I have fewer problems with Japanese cars. This experience is in line with the findings of Consumer Reports subscribers who complete the Annual Auto Survey. Overall, Toyota, Honda, Nissan, and now Hyundai rank better than the American brands. Select American brands do well but many of those are based on Japanese platforms (Ford Fusion, Mercury Milan, etc.). American-made trucks fare better and some nameplates, such as Buick, perform well. Last time I rode by a Buick dealership, I didn’t see people clamoring to get in, however.
To say that foreign car buyers are ignorant is to say the customers of auto manufacturers are ignorant–which is what GM (Government Motors), Chrysler, and Ford have been saying for years. They’ve paid the price for having that attitude. Deny it all you want, but buyers of expensive products vote with their feet.
And those feet have left Chrysler and GM in the dust.
Check out the April 2009 Consumer Reports Auto Issue on page 14 (”Japanese automakers get the highest marks”.)
Reliability by Brand (Top 10):
Scion
Acura
Honda
Toyota
Lexus
Infiniti
Subaru
Hyundai
Mitsubishi
Kia
The survey includes data for 1.4 million vehicles. This compares to the data you offered: Zero vehicles.
Bagged another goonion member.
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corey
August 13th, 2009
3:53 pm
great tip about games holding value and some games dropping in price
there is a playstation 3 role playing game called folklore that still sells for 60$ and it was one of the first games out on ps3, been out for years. call of duty modern warfare has held up value overtime as well.
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Date Night on a budget: Jazz | Dancing | Cooking | Golf | Atlanta Bargain Hunter
August 13th, 2009
4:08 pm
[...] Week 5: Frugal and Fun Date Ideas [...]
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Robert
August 13th, 2009
4:18 pm
I like your suggestions, but the problem with comparing Madden 10 with your finds for ‘09 and ‘08 is that they are outdated. Waiting the amount of time it would take to get 10 for $9.49 will require you to forego purchasing 10 in place of purchasing 11.
I see your point, but it probably applies more to cars than sports video games where rosters and things can change a lot over the course of 1 year.
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Holly
August 13th, 2009
5:05 pm
No, went cell-only quite a while ago. The landline was at home not being used (by me) while my lifestyle meant I had to have a cell to stay in touch with friends. Frankly, the cost of the land line was just not worth it. It’s not that I use even the cell that much – I spend about $20 to $30 a month on my Tracfone prepaid phone – but I have better things to do with the money that would go to some big corporation just for the ‘what if’. I only got really annoying telemarketing calls on it when I still had it anyway.
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Sean
August 13th, 2009
9:25 pm
xbox360iso.com where every xbox game is the perfect price… FREE!!!
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SmartGurl
August 13th, 2009
11:38 pm
Wow! Why didn’t I think of this!! Schools suck you in with all of this crap that they need educated, computer professionals when bottom line is, they are a business. You spend the money and you spend the time…and all you end up with is DEBT!! I wish Trina all the best! I believe she can win and boy, what a precedent that will set! All she needs is the right attorney to present her case and she will hit a homerun! Go Trina! You are more talented than you think!!
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Kaye
August 14th, 2009
8:38 am
Does anyone know if EA will do a roster update with MV7 on it?
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Kaye
August 14th, 2009
9:09 am
Does anyone know if Mike Vick will be on Madden
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TinyTam
August 14th, 2009
10:05 am
Good article Rana and thanks for the advice Patricia. I’m one of those folks who needs a budget but doesn’t have the time as a working mom and wife to get to the budget each day/week/month. I make a list of bills and pay them all on time but always feel like I can get a better handle. Does anyone have practical tips on keeping up with your budget daily/weekly/monthly? Thanks.
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Affluent Pauper
August 14th, 2009
10:42 am
Cash for clunkers may stimulate the economy (and pad automakers pockets), but I’m not sure that it necessarily helps out people who truly need it. People that are driving around in clunkers typically can’t afford the burden of a new car payment with or without the incentive. As for me, I purchased a Honda Civic in 98 and would love to take advantage of the new program, but my Civic doesnt qualify because it’s not considered a clunker! Thanks for the blogroll link by the way Rana!
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The Clerk
August 14th, 2009
12:42 pm
He will be on there later like how they did Brett Favre last year. Give them time to update his stats.
Also, if you dont want to pay full price on Madden trade in your older Madden game. That will at least take off the taxes if not more. I do it every year and save a little bit.
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Interior Decoration Pictures
August 14th, 2009
2:15 pm
[...] tips to a T. Brun is a San Diego-based, award-winning interior designer. … DIY: 10 tips for decorating your dorm room, plus more ideasAtlanta interior designer Brian Patrick Flynn, the associate producer and on-air designer for Movie [...]
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Sarah Davidson
August 14th, 2009
3:01 pm
Good job, Rana. I’m a UGA graduate and my roommate and I had a “designer” dorm room that we decorated on the cheap. Ours was always the room to be in for our neighbors. It IS doable, all you haters!
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Date Night on a budget: Jazz | Dancing | Cooking | Golf | Atlanta Bargain Hunter
August 14th, 2009
4:14 pm
[...] Week 4: Frugal and Fun Date Ideas [...]
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Art Vandelay
August 14th, 2009
5:05 pm
FYI, the Tiger Woods ‘10 you referenced at half.com is for PS2, not PS3.
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Rana Cash
August 14th, 2009
5:33 pm
Just stopped by half.com again; that Tiger Woods 2010 for PS2 is now $29.37. I’ve noticed that prices drop on that site all the time, and inventory — not surprisingly — moves quickly on the popular games.
Has anyone played Madden yet? How is it?
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Pha
August 15th, 2009
11:28 am
I keep a small zip pouch that has a 3 x 5 card in it each day – I put in receipts in there throughout the day and jot down any cash spends on the card. Every morning I wake up and it is the first thing I do – it takes about 10 min @ the most but is well worth it. It keeps my current balances top of mind and reminds me not to spend! Good luck.
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GaTecherrorist
August 16th, 2009
8:02 am
Got any deals on tickle piles with Keith Brooking or free wieners?
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Nickie
August 16th, 2009
9:01 am
I get on the e mail list for every restaurant, retailer, etc that I can. I keep a separate e-mail address for just this purpose. I check it every couple of days and print out (using a black only laser printer, of course, because the per print cost is very low) any coupons I like. We rarely eat out without some kind of deal – $$$ off, BOGO, or free extras. I also quickly scan all the coupon mailers that come and put the “possible” ones in the same envelope with the printed out ones. Envelope stays in my purse and we have it whenever we are out and get hungry.
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Jimmy Barron
August 16th, 2009
9:40 am
These deals aren’t that good. Watch a ‘FREE’ football practice? Come on. Free ice tea, really? And all of those “half-off” gift certificates will carry over NO unused balance. How can a couple eat $50 worth of food at a pub, NOT including alcohol?
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Isabel
August 16th, 2009
6:01 pm
Thanks Patricia. I can always count on you for sound, practical, & helpful advice.
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To do list: August 17 | Inside Access
August 17th, 2009
12:02 am
[...] Sports: Atlanta Braves vs. Arizona Diamondbacks series begins, 4 p.m., Turner Field, Atlanta. $1 tickets. [...]
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Make It Right with Vick
August 17th, 2009
4:46 am
Can I get that same deal for 6Dec09 Falcons & Eagles game at the GA Dome? http://www.regencybarberandsalon.com
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Sandy
August 17th, 2009
8:35 am
Every Mother I know uses a changing table…and I have seen plenty use the wipe warmer, if it is placed next to the changing table. I guess if you change your baby’s diaper all over the house because you don’t use a changing table, then that would be why you don’t need the wipe warmer. But if you have a “station”…it can be very nice and well used.
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Tina
August 17th, 2009
8:47 am
I agree that there lots of baby stuff out there that you do not really use like the bottle warmers. If I need to warm a bottle I use a tea kettle to heat the water, then put it in a mug and put the bottle in it. I have a changing pad on the baby’s dresser and a pack-n-play downstairs so that I can easily change diapers without bending over in a bad way. I would not change on the bed or couch, with my luck the baby would pee or poop and that would not be as easy to clean!
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EW
August 17th, 2009
8:52 am
when your baby goes to the bathroom on your floor or the bed you’ll wish you had a changing table cheapskate.
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Becky
August 17th, 2009
8:52 am
I’ve never known any mother to use a changing table or wipe warmers..To me, unless you are a stay at home Mom, you need to learn to be able to change the baby in any situation..I agree about the shoes also..They never stay on, so why bother with them?
Another thing that I think is useless are those covers that people put in the buggies when they are shopping..If your that worried, wipe it off with a rag..Babies and kids are tougher than we give them credit for, they will survive..Like MRs Schulz said, with love, attention and care, this is the main thing that they need…
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EW
August 17th, 2009
8:53 am
and I agree with Sandy, wipe warmers are amazing, and relatively inexpensive.
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Becky
August 17th, 2009
8:55 am
EW, it’s not being cheap..Are you to lazy to wash the floor or the bedspread?
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cartersmom
August 17th, 2009
8:56 am
I agree with everything but #4. It takes time, practice, patience and the right blanket to swaddle correctly. Additionally, in the first few weeks you are so sleep deprived that the swaddle suits are quick and easy to use. They were a life saver for me.
I agree wholeheartedly about changing tables. I NEVER used ours, but instead have always changed him on the bed. It was always easier for me to clean him with him facing me straight on, rather than doing it from the side.
Wipe warmers dry out the wipes half of the time. Once the baby gets used to the wipes, it is a non-issue. Trust me, my son has never even flinched at the temperature of his wipes and he’s 18 months old.
This was a great post. I will be interested to hear what others post.
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Lynnette
August 17th, 2009
9:00 am
LOVE the wipe warmer… it gets terribly cold here and had two winter babies. And the changing table was a must – kept everything organized and at-hand. (I kept a little basket in the family room downstairs for quick changes, but otherwise used the changing table in the baby’s room). And clothes? Be specific. Cute frilly dresses and baby suits will go unused, but onesies, sleepers and stretchy, comfortable clothes are an absolute necessity.
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Paul
August 17th, 2009
9:01 am
I have a three year old and a three month old and we use the changing table and wipe warmer all the time. We even have a second changing station set up with the pack-n-play changing table down stairs. But I do agree on the bottle warmer. Simply don’t premix the formula.
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Kate
August 17th, 2009
9:02 am
I love my changing table and wipe warmer! I got loads of use out of both. It was nice to have a place to change diapers with everything handy and to know that any messes were contained to that one area and not my bed, couch etc. For me it was also a matter of safety. I cringe when I see someone trying to hold a squirming older baby on a dresser top with no safety rails/belts. The wipe warmer isn’t really necessary but it was a nice thing to have on cold nights. Even after my son was potty trained, I continued to use the changing table as a dressing table. I sat him there to comb his hair, clip his nails, administer to those scraped knees, etc. It was nice to have something at that height.
I do agree about the bottle warmer. Ours didn’t get much use because once I figured out that my child had no preference about the temp (cold or room temp) then I quit using it. My warmer had a basket to use for warming baby food bottles but again, my child was fine with room temp so we didn’t go through the trouble. I also agree about the shoes. We didn’t even bother until our son was learning to walk – he’d just kick them off anyway.
If I had to add an item it would be an overload of infant/toddler toys. Most of us bought too many!
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motherjanegoose
August 17th, 2009
9:19 am
I clicked over here from Momania and was not even aware of this blog.
My kids are 17 and 22. We did not have MANY of the new fangled things that are out there today.
I am WAY out of touch.
I do not think I could part with a changing table. I chose the plastic Little Tikes one, with the two sets of doors. Whenever anything seeped out onto the changing table, I could use bleach generously.
@ becky, no I do not want to wash a bedspread or take it to the cleaners nor would I want to figure out how to get poop out of my carpet…neither can be done with bleach…probably just me.
Re: clothes, I usually buy baby clothes for gifts in a size 2…this way their will be something new to wear later.
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new mom
August 17th, 2009
9:22 am
I’m kinda confused about the definition of ‘changing table’ used here–we didn’t buy a specific changing table, but got the $20 pad that secures onto a dresser (that is easily removable later on, so you don’t have a wasted piece of furniture) We used that all the time, but still, even as a SAHM, learn to be creative and improvise. As far as safety, we never used the belt on our changing pad, because I thought it provided a false sense of security, like ‘I can turn around for a second since they are buckled in’. And I doubt there are any rails that could actually contain a squirming older baby, you just have to be focused on them 110% and use your whole body if necessary! (or at that point, change them on the floor!)
I also never used the wipe warmer, ended up donating it to a women’s shelter. I had heard it dried out wipes, could damage any furniture it sat on, and then–what if you are out and about, and don’t have the wipe warmer handy?
We have some baby clothes that are so pretty and fancy that we never used them with our daughter, so we’ll have them ready for our baby who is due in 5 weeks. However, we did have to go buy 5-6 more sleepers for the winter, as our daughter wore them all the time and between the spitup and acid reflux, they were just too nasty to save.
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Cara
August 17th, 2009
9:29 am
No!!!
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jrm
August 17th, 2009
9:52 am
Perspective of grandma of 6.
I have a tendancy for low back pain, so my grandchildren’s changing tables were a great back saver. Even lifting a toddler onto the table was less strain on my back than leaning over the bed. And, yes, I tried sitting on the bed with the baby, but then you have to twist and that’s even worse for your back.
Small water-proof changing pads are a must! They are a lot easier to toss into the wash than the changing table covers, or bedspreads, etc.
My daughter’s favorite gift, and now my choice to give, was a fold up changing station. It has pockets for a couple of diapers, wipes, and ointment. It’s great to take in somewhere that you don’t want to lug a diaper bag.
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Amy
August 17th, 2009
9:58 am
I’m not a mom yet but we’re working on it. =) We’ve already started thinking about things we would need and I agree.. there are a lot of things out there that aren’t necessary. I like the changing pad on top of dresser idea. We already have a dresser so that’s less cost upfront. Ive been offered a hand me down crib from a sister so that is awesome! The one thing that my husband and I both agree on is that we are going to use a cloth diaper service. We’re not green fanatics are anything.. but google how many diapers go into landfills each year. It’s disgusting…and they don’t break down. The diaper service also offers biodegradable diapers too for traveling.
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OlderMom
August 17th, 2009
10:24 am
Changing tables are a MUST if you are an older mom! The bending, stooping, & lifting can wreak havoc on a “old” back. For my first child, and 12.3 years earlier, I didn’t really need it. For the new baby, it was a lifesaver
Just my 2 cents.
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Brett
August 17th, 2009
10:37 am
My wife and I have a little girl. While we didn’t invest in a changing table, we did invest in water proof changing blankets and we just change her on the bed…works just fine. As for wipe warmers, we definitely use one. Remember how your baby reacted when he/she was born…pretty chilly. A baby doesn’t enjoy a cold wipe (at least ours didn’t). We didn’t really get her any shoes, but we did use the swaddling wraps…easier to put on and they pretty much stay in place. As for clothes we’ve been quite lucky…about 80% of our little one’s wardrobe has been donated to us from friends with older daughters. But she hasn’t worn all of that stuff either.
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Kelly
August 17th, 2009
10:39 am
There is a secret to wipe warmers…just add a teaspoon of water into the warmer. I never had any of my wipes dry out but the very first time. And then I was told to always keep a teaspoon of water in there. It helped with the steam. I did this all 3 of my girls. I didn’t have a changing table with my first daughter, but my 2nd one I had one and loved it. It was only the attachment to her pack n play. With my 3rd, my dad bought me the matching one for the girls crib. I loved it! I may not use it all the time but its more convenient than I thought it would be. I never used a swaddling suit. My daughters despised being swaddled. All 3 would scream if they were swaddled, even in the hospital. So much fun explaining why my newborn child was never swaddled in the hospital to a Mean Grumpy L&D nurse. They were all happy with a blanket.
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Sara
August 17th, 2009
11:06 am
Why is Marshall having a baby shower for her 3rd child??? Sounds like gift grubbing to me. TACKY.
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Dee
August 17th, 2009
11:07 am
I agree that a changing table is not worth it. I have a 6 month old girl and a 2 1/2 year old boy and with both we had a changing pad on the dresser. I don’t understand why people are saying you need the changing table for the height because both dressers I have are about the same height and width as the chaning tables I found and I will second the issue about the false sense of security with the straps and stuff. My 6 month old girl is almost impossible to hold down with straps and 2 people so if you just pay attention when you have them up there you are fine.
For the wipe warmers I have never used one of those either and haven’t noticed my little ones freaking out when a wipe touches their bottoms besides what do you do when not at home? The wipes would be cold then. And my kids have always taken room temp bottles so I ended up giving the bottle warmer I got as a gift to a shelter because using a cup of hot water worked as well and was easier.
The best things I have gotten and used the most really aren’t necessarily stuff you can use right away but they are pack n play, exersaucer, and larger size clothes, anywhere from 6 months up to 12 months. The pack and play is great because then you have something easy to travel with and can do double duty. Both of mine love the exersaucer and my little girl won’t be still for a moment so trying to play on a mat on the floor can be hectic. And the larger size clothes are great because like someone else mentioned you usually end up with a ton of stuff for them for right after they are born and half the time they grow too fast to wear it all. And that way you have new stuff for later or for when you suddenly realize they don’t fit in the stuff you already have because they grew several inches/pounds overnight it seems.
I think swaddling outfits would depend on how cold it is because they can get out of a blanket and if you live where it is cold and your old heating system can’t keep out, like mine, then you have to really count on the clothes helping to keep them warm.
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Sowega
August 17th, 2009
11:26 am
Bottle warmers: If your wife pumps like mine did, you’ll be glad to use one of these little steamers to heat refrigerated breast milk. I don’t think I ever overheated a bottle with the warmer.
Changing table: these may not be necessary, but they sure do help you get organized. They’re a good place to keep baby maintenance tools and supplies organized and ready for immediate action. I did feel much safer changing diapers with the safety strap.
Buggy Cover: You may not want to put your kid in on of these, but heck, they’re a cheap way to provide a thin layer of comfort. And again, the straps hold the squirmy little boogers very secure, helping you focus on the shopping mission. If you’ve ever found yourself at Wal-mart at the wrong time of day, you’ll be glad you have one. But seriously, germs? I doubt most folks have these because they’re afraid of germs. Trust me, a freaking buggy cover won’t turn your kids into candy-a**es.
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Sowega
August 17th, 2009
11:28 am
Ooo! Dee–I forgot about the exersaucer–that thing rocks! Also forgot about pack n play–a must for overnights and when you can’t tag team baby supervision.
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motherjanegoose
August 17th, 2009
11:41 am
@ Sara….”is unlikely to be wooed by the shower of advertisements”
I think this means that she will receive lots of advertisements for things she may not need and NOT that she is having another shower…
Am I the only one who thinks this?
even if she is being honored with a shower, perhaps she has wonderful friends who want to celebrate with her and share a gift ….
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janie Hopwood
August 17th, 2009
11:51 am
The thing I found the most useless was the bathing stations. Best place to bath a baby? the sink. And Yes I clean the sink before and after. I never used a changing station or wipe warmer. The new thing I like best is the wrap around for carrying a baby. Those make me wish I had one. They keep the baby close to mommy’s body and wrapped securely at the same time, much easier than carrying the infant seat.
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TinyTam
August 17th, 2009
12:20 pm
Pha – thanks so much! That’s great advice. I’m going to try it starting next Monday.
Have a great day!
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Amy
August 17th, 2009
12:31 pm
Our daughter is now 7 months old and our first child. I have to say that prior to having her we had all these plans to breastfeed, use biodegradable diapers, etc. Well, she was lactose intolerant and had major gas troubles. Once we realized this everything changed. I forced myself to pump in hopes she’d be able to take lactose and get back to my milk rather then the sensitive stomach formula. She did eventually but I quit pumping. Needless to say, we did nothing as planned.
We use our bed to change her (or the floor) and cold wipes. She does not seem to mind and never has. We did use a bottle warmer but got lazy and so she adapted…she never got crazy gas or whatever the wives tales were about cold formula/breast milk. We used a “Snugglenest” for her to sleep in and then moved to a bassinet and then the pack and play. She loves all her toys like her walker/car and play matt. We use the Rainforest Jumperoo but had little use for the bouncer (although my sister’s daughter LOVED her bouncer). The swing was also a lifesaver for those times when you just wanted to get something done or eat dinner while it was still warm.
The biggest waste of money in my opinion, are clothes in the 0-4 month range (especially jackets/coats). She wore the one piece things and jeans everywhere. Shoes were a waste as were socks. We kept her in the socks from the hospital most of the time b/c they gave us several pairs and they were extra warm. Also, we liked the ‘mosses basket’ we received as a gift- it was helpful in the early months. We also absolutely love sleep sacks! This is the best money spent for sure. We have swaddle blankets but of course she hated being swaddled so those were never used nor were the wraps and slings we had. Washcloths, baby towels, and those small ‘receiving blankets’- waste of money. The hospital gave us two receiving blankets and those were good enough.
I agree with the best gifts being wipes and diapers. We got so many clothes and she never wore half. I wish we would have had the diapers and wipes instead.
One more thing. We bought all these cool bottles that prevented gas, etc., well, she did best (and so did we) with the Medela bottles and the Similac ones the hospital sends you home with- plus they fit on pumps! Now that we know all this stuff the next baby will be 100% easier.
month range. She wore the one piece things and jeans. Shoes were a waste as were socks. We kept her in the socks from the hospital most of the time b/c they gave us several pairs. Also, we liked the ‘moses basket’ we received as a gift- it was helpful. We use the Rainforest Jumperoo but had little use for the bouncer (although my sister’s daughter LOVED her bouncer). We also absoluetly love sleep sacks. This is the best money spent for sure.
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Not Disappointed
August 17th, 2009
12:49 pm
It’s hard to say something bad about Chic-Fil-a. Way to go guys!
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Yanamom
August 17th, 2009
12:55 pm
Didn’t use the changing table either and it wasn’t because we are cheap, it was because that piece of furnature didn’t fit in our house. If you have a small house or apartment with small rooms, a changing table is something you just don’t need. Companies that make stuff for babies love the people who think they have to have every gadget and piece of crap that they sell for babies and a changing table is one of those items, large price, small return on value. Plus we got used to changing the children in a variety of places, which came in handy when we visited with the grandparents and other relatives who didn’t have babies. No babies, no changing tables… We changed diapers for over 4 years on the bed and we did not have to wash the quilt or sheets at any time because of any baby mess.
Having a changing table is not a MUST have for organizing stuff either. If you don’t have changing table, you just designate an area for the diapers, wipes, creams etc…which is all you are doing with the changing table, it is the designated spot for all that stuff. It’s great if you can afford and have the room for all those pieces of furnature that you will only use for a short time, but moms have been doing without changing tables for thousands of years and you don’t have to have them. Even the moms that I know that had room for them, ended up not using it very often, usally only for the night time change during the first few months.
Wipe warmer, great idea, stupid product, tried it, hated it. Hard to open, dried out the wipes, heated up the dresser it was on, tossed it after a couple of weeks.
Never had a bottle warmer, warmed them under hot tap water. Or, GASP, in the microwave. (No matter what you tell them, that is how they warm bottles in Day Care Centers! I used to work for one, so that is personal experience at that day care and I saw them do it at a couple of others!)
Shoes, learned with the first one to buy the footed sleepers and onsie type outfits. None of my kids would keep shoes or socks on their feet. They still don’t wear shoes or socks if they don’t have too! Clothes, I always bought the next size or two up when they went on sale, depending on how fast the baby was growing. Almost all my children’s first baby clothes were yard sale, thrift store or baby gifts.
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Patrick
August 17th, 2009
1:08 pm
At least they’re doing the freebie thing right, instead of how KFC screwed it up with the free grilled chicken. Check that. KFC didn’t screw it up. Oprah and all her sheeple screwed it up. In a way KFC did screw it up by allowing her to announce it.
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Dan Deacon
August 17th, 2009
1:22 pm
Chick Fi La – they are professionals that know how to run a business. KFC obviously continues to be plagued with customer service issues, including the one where you couldn’t get the free grilled chicken. I recently used my coupon and after going to KFC 4 times regarding their free chicken promotion to get free chicken was told that I couldn’t have white chicken. It was the manager’s discretion per the coupon and he chose to be an “”a’’s’’s. That was my last visit to KFC, should have known better anyway based on how poorly they’re run.
Continue the good work Chick Fi La
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Trish
August 17th, 2009
1:45 pm
Let me add a couple more which I’m sure I will get a lot of flack about. A tub and wipes. May have used the tub a couple times and I hate wipes, I feel like I’m wiping something foreign on the baby. I’m old school and still use the soapy wash cloth.
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Pepsi Sucks
August 17th, 2009
2:03 pm
KFC is owned Pepsi. Why did think not gonna suck?
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new mom
August 17th, 2009
2:10 pm
One of the things I couldn’t have lived without was our bouncy-seat. I’m not sure what the proper name for it was, but our daughter would sleep in it, sit happily in it, and when she’d poop or spit up on it, the entire cloth cover would come off and wash in the washing machine, leaving a round steel frame. And I think it was relatively cheap, maybe in the $30 range. We used it soooo much, much more then the expensive swing! I just double checked, ours was made my Fisher-Price and has ‘calming vibrations’ on it. I doubt they still make the exact thing, but I’m sure there’s something similar out there.
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Connie D
August 17th, 2009
2:32 pm
I get all my baby information here: http://www.babychitchat.com.
A LOT of these products are a waste of money, and chatting with other moms on this site has saved me time and money…
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Belle
August 17th, 2009
3:23 pm
I agree with Older Mom the bending and stooping would kill my back. I used my changing table (which I keep in the living area) for the past 3 years, and I will use it until baby #2 is out of diapers.
It works great to store my diapers, wipes and even toys on the shelves.
Didn’t use a bouncy seat much, but the Bumbo seat was my saving grace. I take that thing everywhere!
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Dee
August 17th, 2009
3:35 pm
Good call Janie Hopwood about the bathing station. I got one for my son and it was almost impossible to use. We ended up doing baths in the sink or just putting enough water in the tub to put maybe 1/4 inch in the shallower end and put his head at that end. That is what I do now with my little girl and they both loved it and it was much easier than the bathing station, I don’t worry about it because who in their right mind is not going to pay total attention to an infant when giving a bath. I keep one hand on her at all times so she doesn’t roll over. Both of them loved it too. The both would kick their feet and laugh during bath time.
As for the bouncy chair it was great up until the time they could hold/support themselves well enough to sit in the exersaucer. I don’t mean well enough to sit on their own but well enough to sit supported. After that they would get bored in the bouncy seat.
I also had a Bumbo chair and it was great with my son but for my little girl who has aspirations to be a gymnast I think, it actually got to be dangerous by the time she was about four months old because she would flip herself out in about half a second once she got bored being in it. Unfortunately that was also about the time she was big enough to use it so it has been a waste for her.
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Date Night on a budget: Jazz | Dancing | Cooking | Golf | Atlanta Bargain Hunter
August 17th, 2009
7:37 pm
[...] Week 3: Frugal and Fun Date Ideas [...]
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Date Night on a budget: Jazz | Dancing | Cooking | Golf | Atlanta Bargain Hunter
August 17th, 2009
7:38 pm
[...] Week 2: Frugal and Fun Date Ideas [...]
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Jasmine
August 17th, 2009
9:25 pm
Okay Okay Okay! You make total sense Patricia. I think it IS about time I live with a budget. Hopefully, we’ll get some more great advice from you soon! Thanks!!
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Sarah
August 18th, 2009
12:50 am
Usually financial experts talk way over the average/poor person’s head, but Ms. Stallworth really makes budgeting sound possible and even a little fun. Thanks for the great advice!
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Jimmy Barron
August 18th, 2009
8:47 am
I spent $1 and sat in the first row behind the D-Backs dugout. Best deal ever at a Braves game.
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Road Scholar
August 18th, 2009
8:51 am
Isn’t there a website where you can compare recent costs for variable and fixed rate plans? What other costs should you consider (disconnect fees, connect fees/rebates,..)?
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Yup
August 18th, 2009
9:58 am
The GA Public Svc Commission website.
http://www.psc.state.ga.us/gas/pricecard.asp
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David
August 18th, 2009
10:00 am
In the “tips” to “lower your natural gas bill later” at different points the refer to a “hot water heater”, can someone explain why you would need to heat hot water? … It is simply a “water heater”.
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Jefferson
August 18th, 2009
10:52 am
Thanks Sonny for the deregulation you pushed thru. Wholesale rate .31, industry rate .42, consumer home owners .89. What a great thing.
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Courtney
August 18th, 2009
11:02 am
Switching is NOT free. That month you get hit twice for all the fees b/c of billing cycles. Most your bill is fees and charges. Not actually tied to consumption.
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momof3
August 18th, 2009
12:42 pm
FYI: With the IHOP deal — One free child’s meal per adult.
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Lisa C.
August 18th, 2009
12:44 pm
You can see where kids eat free or for cheap. Add deals if you don’t see any. And best of all, you can take us with you on your iPhone. So for accurate, up to date kids eat free deals, try http://www.kidseatfor.com.
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Booya
August 18th, 2009
4:48 pm
Not having gotten any in several years, I’d vote for sex. But that extra fiddy a week would come in handy on a vacation to Nevada … if you know what I mean.
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Ken
August 18th, 2009
5:12 pm
“Booya?” What a loser. Fiddy? What a thug.
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Ven
August 18th, 2009
5:20 pm
Booya, what the heck have u been doing, not to “have gotten any in several years”? So pathetic.
Anyway, I would vote to save an extra 50 a week also, I mean the way the economy is.
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Give Me da Loot
August 18th, 2009
5:36 pm
Ken…you have no idea of what a “thug” is..soo why use the term soo losely..?? But anyway..I rather have the “fiddy” week…lol at Booya…Sex is easy to come by…But having $$$ come by is not soo easy to grab right now….lol
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tiff
August 18th, 2009
6:02 pm
Since I am dating someone thats unemployed I definitely would Love the extra fifty dollars a week!! That would go a long way!! That could be more groceries, or more gas, an extra trip to the beach, or even a nice evening out @ a restuarant!! So I would greatly appreciate the extra “fiddy” bucks anyday!!
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Lucy Frost
August 18th, 2009
6:51 pm
I definitely agree on shoes being a waste of money. Sure they’re cute but let’s face it, they don’t stay put on baby’s feet for longer than a couple of minutes. My son is just as happy in a pair of socks.
I didn’t bother to invest in a wipe warmer figuring that it wasn’t necessary. I’m glad to hear that others feel the same way.
I disagree on the swaddle. I can’t live without my Merino Kids Cocooi and would recommend investing in a good quality swaddling blanket to any Moms out there. It’s been a godsend for us and has resulted in at least one and a half extra hours of sleep a night for us.
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dgroy
August 18th, 2009
6:58 pm
WOW!!!!!I’m at a loss for words over these comments……y’all obviously live in a different world than I do. Also, Atlanta Bargain Hunter, don’t you have something better to do?……something relevant, maybe?
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withoutforayear
August 18th, 2009
7:18 pm
Since I”m married to a celibate, I’d take the sex, hands down…and up…and down
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Muse
August 18th, 2009
7:28 pm
Since I’m having sex with my guy 4-6 days a week as it is, I’d pick the $50. Not that I’m against more sex, but I’m really, really happy with the frequency now. So….
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amh
August 18th, 2009
8:54 pm
The phrase “waste of money” is really just relative. My must-haves are definitely not going to match up with everyone else’s. Not really sure why people are getting heated about this topic???? Yes, some of my “must-haves” are not necessities but they sure did make life a whole lot more pleasant during those first sleep-deprived weeks.
Here are/were my favorite baby/newborn “must-haves”:
1. Changing table/pack ‘n’ play: Yep, it was a must-have for me. The height was just a million times better for my back. I’m young and have never had back issues but my delivery did a real number on me all over and me back wasn’t the same for a good two weeks. Now (7 months later), I change him in the crib and keep a basket of diaper stuff downstairs next to the couch but I still use the changing table for organization. However, now that our necessities are a little less and we’ve revamped some stuff, I’m going to use it to organize some of my craft supplies. And I’ll definitely be using it again with the next babe.
2. Wipe warmer: My baby screamed bloody murder at the touch of a wipe for the first week until I spent 15 bucks on that wipe warmer. I had a winter baby so I even loved it to use the warm wipes on my face
A lot of people have been asking what you do when you go out… well, you just don’t use it. Or you can run it under hot water/hold it in the palm of your hand so it’s nto QUITE so cold but c’mon, it’s not like most people are out and about at every diaper change.
3. Baby Gap socks. Like I said, winter baby = cold weather = super cold feet. Baby Gap’s socks were the best at staying on and they’re thick.
4. Swaddling blanket. I can do a mean swaddle but I know a lot of people who just never got it tight enough and the swaddle sack things were life savers for them.
5. Sleep sacks (NOT the swaddle sack)… These. Were. Wonderful. I could swaddle him with these on and they made diaper changes a BREEZE.
6. Bottle warmer. Seriously, I LOVED our bottle warmer. I pumped a lot of breastmilk and the microwave can destroy the nutritive properties. I’d rather pay 10 bucks to be able to pop it in the warmer and let it beep at me when it’s finished than sit and hold it in the water or go through all of those steps. Lazy, I know. I AM an American, you know.
7. Side-snap/kimono shirts. Love those things. When our baby wasn’t in a sleep sack, he was probably in one of these. (The cute little outfits ARE nice to have sometimes but really we mostly kept him in these kinda things. But the cute clothes are wonderful gifts from people who really wanted to gift you and your baby with something.)
8. Can’t think of any off the top of my head right now….
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lizz
August 18th, 2009
10:21 pm
WHO EVER SAID ” IT’S NOT ABOUT THE MONEY” DOSEN’T KNOW ” IT’S ALWAYS ABOUT THE MONEY”.
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Target acquired
August 19th, 2009
6:58 am
I agree with needing to save an extra ‘fiddy’ a week – that’s a carnote for a lot of people so that’s a no-brainer. On a side note, someone showed me how to get paid on my own energy bill and 100’s to 1,000’s of other energy bills (and yes it is legal LOL). Hit me up for the details (email: lascobee@yahoo.com)
Georgia stand up!!
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Target acquired
August 19th, 2009
7:03 am
I found a way to save on my own energy bill and 100’s to 1,000’s of other energy bills (and yes it is legal LOL). Hit me up for the details (email: lascobee@yahoo.com)
Georgia stand up!!
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Waste of money for these baby products | Atlanta Bargain Hunter | Baby Clothes at bouncing-new-baby.com
August 19th, 2009
8:16 am
[...] Waste of money for these baby products | Atlanta Bargain HunterWe have some baby clothes that are so pretty and fancy that we never used them with our daughter, so we’ll have them ready for our baby who is due in 5 weeks. However, we did have to go buy 5-6 more sleepers for the winter, … [...]
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GRITSiam
August 19th, 2009
8:22 am
Walmart usually has a good selection of plants and they are a lot cheaper. Lowes and Home Depot are also less expensive than Pike’s or other nurserys. Another tip is to take cuttings from friend’s plants and plant them.
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Becky
August 19th, 2009
10:44 am
@MJG, ususally for the amount of poop that you would get on your carpet or bedspread while changing the baby, you can clean this up with hot water and soap..This I found out from my nephew when he cleaned carpet for a living..
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Mitzymy
August 19th, 2009
11:02 am
I have a large lawn, and if I use a service it cost $70. per month for 6 to 8 months to keep the grass green and the weeds out. After living here 10 years, it has defeated me. All I do now is get on my riding mower and mow the grass, and go back in the house. I gave up on flowers because they never grow, and if they do, they are barely out of the ground. I am thinking about having the yard professionally landscaped and mabe that will take care of it. I don’t want the lawn to become an eyesore, because I live on a corner lot that is slightly elevated.
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Rickster
August 19th, 2009
11:39 am
The thought of shoddy “shutters” make me “shudder.”
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Needabailout,too!
August 19th, 2009
1:05 pm
I went on a kick earlier this year to improve my curb appeal and invested in the several hundreds on Encore azaleas. I’m having trouble keeping them alive. They bloom once like crazy and then die. I was under the impression that Georgia soil was ideal for azaleas. What am I doing wrong?
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JV
August 19th, 2009
1:42 pm
Great deal, but Fantasia will not be performing on Sundays during this run.
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Rana Cash
August 19th, 2009
1:55 pm
You’re right JV. Good to point that out. Will you see the show anyway? I’ve been twice — here, and on Broadway, and loved it both times
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Stan
August 19th, 2009
2:56 pm
Needabailout,too!,
Check out http://www.walterreeves.com/
Master Gardener on PBS and 750 am Saturday morning.
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KG
August 19th, 2009
3:16 pm
I don’t see anywhere to enter a promo code for Atlanta Dream tickets???
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Rana Cash
August 19th, 2009
3:50 pm
KG, Give them a call and mention the promo code HalfOffDepot for the $10 tickets.
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Jeff
August 19th, 2009
4:20 pm
The email address for the free fan pack for the falcons (feedback@fans.atlantafalcons.com) is invalid. Domain doesnt exist.
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dgroy
August 19th, 2009
4:32 pm
OK, this is relevant……keep it up.
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Rana Cash
August 19th, 2009
4:34 pm
It worked for me earlier today. Hang tight. Let me check it out for you.
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Rana Cash
August 19th, 2009
4:58 pm
You have to mix it up, don’t you think? Here, you’re as likely to find a coupon for free ice cream and burgers, as you are tips on how to stick to a budget, choose a bank, fight foreclosure or fix your credit. Thanks for reading!
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Rana Cash
August 19th, 2009
5:01 pm
Jeff, I haven’t had any trouble. Email went through fine. Make sure you’re typing in the address correctly. Meanwhile, I’m going to track down the details on what’s in the Falcons fan pack. Good stuff, I hope. I’ll follow up here on the blog.
Can’t wait for the first game of the year vs. the Dolphins!
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Rana Cash
August 19th, 2009
5:02 pm
first home game…
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Sadie
August 19th, 2009
5:31 pm
This is a very good budgeting article. You articulated in a good way what most financial experts are unable to do in their articles. I plan to use some of your budgeting tips this afternoon
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Ann Festa
August 19th, 2009
5:35 pm
STREAM ENERGY RATES AND INFO
http://festa.mystreamenergy.biz
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clyde
August 19th, 2009
5:37 pm
Never carrying a balance on your credit card is the best way I know to bypass all this hogwash.I don’t know what my credit card’s interest rate is,nor do I care.
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Anna
August 19th, 2009
5:45 pm
Question:
I am a 21 yr old college student who gets my school money from my parents deposited into my debit account, so it looks like I’m a big spender but I’m not. Apparently, I racked up some HUGE “overdraft protection” limit because of this and am negative by $600-700 right now because I overlooked a large charge then racked up the $34 over limit fees on coffees and lunches and movie rentals for $1!!!!!!!! I should have checked my balances, I know but I had no idea I had a credit limit like this on a debit card! I am so thankful that a law is being instituted to force approval on these “gracious” over limit charges. My question is do I have any chance to refute this overdraft or should I just somehow choke up the money? I’ve never overdrafted in the several years I’ve had this particular account, so I would consider myself a good customer!
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chainshaw
August 19th, 2009
5:47 pm
Clyde – so glad that you are perfect, for the other millions who have been getting screwed by the credit card companies and their bloodlust, this is a good start.
Now, how many banks will try to get a few more licks in, before the changes in February?
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rx-dawg
August 19th, 2009
5:55 pm
This is for credit cards Anna, not debit cards. It will not affect overdraft charges on a checking account.
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Joe
August 19th, 2009
5:57 pm
Anna, these new rules will not protect what happened to you. There is a huge difference between credit cards and debit cards, which are simply extensions of your checking account.
You are going to have to pay the overdrafts, and I highly suggest getting a checkbook register and recording every transaction you make.
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clyde
August 19th, 2009
6:16 pm
I also own many leather-bound books, and my apartment smells of rich mahogany.
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hello world
August 19th, 2009
6:26 pm
clyde…you’re a douche
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jconservative
August 19th, 2009
6:35 pm
clyde August 19th, 2009 5:37 pm
Never carrying a balance on your credit card is the best way I know to bypass all this hogwash.I don’t know what my credit card’s interest rate is,nor do I care.
LIKEWISE! A credit card is just another form of cash. Get the bill & mail a check that day.
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Clyde is Right
August 19th, 2009
6:43 pm
Folks, Don’t buy things if you don’t have the money to pay for them please. Clyde, thanks for your comments and I am sorry that people resent your good discipline. You were raised correctly as a responsible person that understands the value of a dollar and has learned to respect it. It’s folks like hello world and chainsaw that contributed to this economy due to their disrespect for themselves and others.
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who cares?
August 19th, 2009
7:02 pm
Actually clyde is right…if clyde really wanted to contribute he might say things in a different way. Not post comments to boast about his awesome and responsible life through a blog. Do you really think that helped? Does anyone care about Clyde’s belongings in his house and how it mights smell? Absolutely not!
A response to help others would have been nice is the way I see it. Some people manage their money better that others, that’s life. Me personally I don’t carry a CC…who cares though?
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Mike Hunt
August 19th, 2009
7:08 pm
Credit is just the “MAN” trying to keep a brutha down. Bottom line, don’t spend what you don’t have. I keep a zero balance credit card for travel and emergencies only. It gets paid off before 30 days each time. The credit card company tried to increase my interest for 9% to 28% last year. I called them up and told them I was leaving and they recanted. Always, Always read your statments.
Don’t worry about that BS about having credit in order to have a high FICO score. Manage your cash right, and you can buy anything you want.
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chris
August 19th, 2009
7:12 pm
The under 21 requiring a co-signer or job is very beneficial. I personally drove myself and see other drive thereself into heavy debt as a young 18 year old in college over credit cards. Fortunately I was one of the lucky ones who landed a great career in the military and was able to pay off that debt before it did too much damage.
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daniel
August 19th, 2009
7:25 pm
clyde for mayor. Move over clark her comes clyde!
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Samantah
August 19th, 2009
7:42 pm
I am a long time card holder of AMEX. They sent me a letter last week advising that my interest rate on balances carried would increase from 9% to 15%. No reason except that they can. I have NEVER been late in 20 years. When I called, they were not willing to do anything about it… They were getting their increases in before the law changed. Greedy…. Greed is what got us into this mess. I guess the financial institutions have NOT changed their way of thinkg or their ways…They are still greedy people.
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zzzzzzz
August 19th, 2009
7:51 pm
y’all Clyde lives in an apartment. If I had his money, I’d own a house, wouldn’t y’all?
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Atlantarama
August 19th, 2009
7:56 pm
I also agree with Clyde. Don’t charge more than you can pay off each month. Carrying a balance on a credit card is one of the worst ways to waste money because of the interest payments.
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Mia
August 19th, 2009
8:04 pm
My son is now 42 years old, and had such a large debt as a result of horrible credit card companies sending him credit cards which he maxed out when he was still in high school!!! And the ones who called about his “late payments” were monsters.
I am so thankful that underage kids have to have co-signers, but I hope they have to PROVE their ages, so how do they do that with the credit card companies? I mean, after all, when dogs get credit card offerss, well…..
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Ms. Kentucky
August 19th, 2009
8:07 pm
My advice to everyone is this…avoid credit cards as much as much as you possibly can. I have an excellent credit score, but that doesn’t stop the credit card company which I have from raising my interest rate too…just as they did with Samantah. As another poster stated, pay the balance off each month.
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DawgNole
August 19th, 2009
8:22 pm
Clyde may not be perfect, and he may be a douche, but he’s dead right with his comments about paying off that credit card balance (down to the Big Zero) each and every month–as are those who agreed with him. It matters not one bit how much interest the greedy bank is charging you if you pay off that balance EVERY month. Discipline yourself to do this; it will be one of the wisest investments you ever make.
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look in the mirror
August 19th, 2009
9:42 pm
i’ll have to side with clyde on this one. he may not have said it in the most tactful of ways but he’s right – the easiest way to avoid all of this is to just not carry a balance.
@ samantah – i’m not for a second about to say that credit card companies are angels – far from it. it is, however, pretty narrow minded to think that it’s purely the greed of those evil corporations that got us into this situation. what about the greed of all the people that spent well beyond their means and racked up enormous amounts of credit card debt? don’t they have a hand in this as well? the credit card companies certainly aren’t helping with their less-than-ethical tactics, but who among us has been forced by a credit card company to rack up charges?
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Power Breakfast: State unemployment rises, FedEx, Synovus | The Biz Beat
August 20th, 2009
5:37 am
[...] Credit card act in effect today [...]
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Jamesia
August 20th, 2009
8:21 am
Did anyone find out what the name of the “$9.99ea. all you can eat Brazilian Steak House off of exit 6 400?”
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WAH Mom
August 20th, 2009
9:17 am
I have worked from home for more than 10 years. It’s the best thing that I have ever done! Big companies are cutting costs by hiring home workers. Below is a link to a FREE list of hundreds of LEGITIMATE stay at home jobs offered by known companies. These jobs do NOT cost you money. They are employment positions. I hope this helps some of you find happiness working at home like I have.
http://www.stay-home-income.com
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Stan
August 20th, 2009
9:33 am
Do not worship at the alter of the all mighty FICO! I have been deeply in debt before and clawed my way out of it. I had a CC (with a zero balance) send notice a few weeks ago about cutting my available credit, so I called them and had them cut all the way to zero. I now NEVER have to worry about making a payment to them again.
Ever notice that the biggest buildings downtown are the bank buildings. Stop giving them money. It is too hard to come by to give it to them in “easy monthly payments”!!
BTW Clyde is right
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jesus wept
August 20th, 2009
9:45 am
Watch out for a shady co now with daily ads all over Craigs List that claims to be a top co to work for that’s selling a $37 monthly subscription for legal services. You have to pay for the services before they will even let you begin to earn – and its yet another MLM with whoever enrolls you making money off your sales and so on.
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CWILLI
August 20th, 2009
10:02 am
WAH Mom thank you for providing this information, I have daughter who is struggling to find a job I will tell her about the website and hopefully she can find something. It doesn’t cost anything to give a helping hand. Thank you
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jason
August 20th, 2009
10:40 am
great blog Rana, had problems with the email for the falcons as well.
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Rana Cash
August 20th, 2009
10:43 am
I’m on the case, Jason. Have a call in to the Falcons this morning. I’ll update as soon as I can.
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Mary Smith
August 20th, 2009
11:30 am
well decide if you want sex or save is up to you, but if your decision is save you can make it by using Atlanta coupons, is the very best way to save money
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Date night on a budget: try these inexpensive date ideas | Atlanta Bargain Hunter
August 20th, 2009
11:42 am
[...] Week 6: Frugal and Fun Date Ideas [...]
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Date night on a budget: try these inexpensive date ideas | Atlanta Bargain Hunter
August 20th, 2009
1:40 pm
[...] Week 5: Frugal and Fun Date Ideas [...]
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VoiceOf Reason
August 20th, 2009
4:16 pm
Just the basics: hot dogs, burgers, maybe bbq. Ribs, steak, kabobs, etc generally are too expensive and also time consuming. Besides that, keep the sides to a minimum also, no more than two or three. Everyone can bring their own favorite beer.
This is my policy for all cookouts I have because I’m the one paying and doing ALL the cooking. I want to enjoy it too without being stuck in the kitchen under a pile of bills.
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SmartGuy
August 20th, 2009
4:57 pm
Enjoy yourself! A cookout is one of the least expensive per person parties you can host. Don’t make a fuss about asking people to bring things. If your friends have any class at all they will bring something (a bottle of wine or some beer) anyway. If you are lucky you might find them reciprocating with an invite to a nice dinner party this Fall…where the fare will invariably be more expensive.
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Give Me da Loot
August 20th, 2009
5:28 pm
A cookout is the best way for people to mingle and let their hair down a little bit…..but i agree with smart guy…its kinda an unwritten rule..that..if you attend, u must aleast bring something to drink…
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HelloDuluth
August 20th, 2009
5:58 pm
SAMS CLUB!!!!! HERE I COME!!
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Yes, I am a Grill Master...
August 20th, 2009
6:07 pm
For serving a large group on a budget, I usually go for large cuts of meat (beef brisket and pork shoulders) marinated for about 48 then placed on the smoker. Cooks nice and slow and I don’t have to stand over the grill, not that I don’t love it. Burgers and hot dogs for kids. I supply the entrees, guests can bring the sides. Everyone is free to bring the beverage of their choice if they want something particular. Anyone caught bringing a chicken frank or turkey dog is refused at the door. If you’re vegan, I’ll make you a veggie burger, but that’s where I draw the line.
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George BUSH
August 20th, 2009
10:00 pm
To all the brilliant economist commenting here,why don’t you stop itemizing all of the problems in America and with this program and put those noggins to work and offer a comprehensive solution. uh oh did i defeat your reason for existing ? stop bitching, complaining and acting like girly men talk and help all of us who have drank the Kool-Aid. You should be more patriotic ……..W
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JT
August 21st, 2009
2:17 am
There are a lot of scams online but more legitimate opportunities than scams. I have been burnt out of thousands of dollars online in the past when I was brand new to this.(2004)
I was frustrated, devastated but after my pitty party I got back online to try it again. Too many people are making it work and who’s to tell me I can’t do something.
Finally I learned a few things about the net that allowed me to start making thousands of dollars online.
Keynote: Never give up!
The internet is the largest human destination in the world so it do provide legitimate opportunity for those who are willing to go the distance.
Just like in every neighborhood in the world opp = an opportunity to profit. Opp = other people problems.
If you think this is wrong just look around you at all the things you have bought that you did not make/grow yourself. The device you’re using to read this message with right now several people made a profit off that single sale.
I do not know how to work at home in the telecommute sense. Never researched it. But I do know how to make sales for legitimate online companies who will pay you or me a percentage of each sale we induce.
I wont go on here, just wont people to at least understand they should never give up hope if you truly want to get into working from your computer.
You can get a better idea of how things really work by going to my blog page at http://keywordelite02.wordpress.com/ .
It’s for people who are already making some money online to a lot but it helps them to save time, money and advance even further but as a beginner you can pick up some tips on what you will be looking for and doing once you do get started.
If you find it informative add it to your home page via RSS Feed or bookmark it.
Here’s to your breakthrough!
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Jaycie
August 21st, 2009
12:41 pm
Thank you very much for the link-up on the McDonald’s coupons. I hope you are able to find them! I love your 12 Tips on Curb Appeal on a Budget. I’ll be sending my readers over to it soon!
~Jaycie aka Coupon Geek
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Millicent
August 21st, 2009
3:23 pm
Thanks Patricia for comments on the importance of budget. I’m getting on the right track and having a budget for my “fun activities” is one of the best things I could do. It helps me to keep things in perspective instead of spending spontaneously, especially in these times!
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Renee
August 21st, 2009
4:40 pm
Nice…but totally unrealistic with the parameters the students have to work with. And even if you are allowed to paint walls, who wants to repaint walls at the end of their college year. They hardly want to clean their dorms like they are suppose to.
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Rana Cash
August 21st, 2009
5:00 pm
Actually, this work was done in a real college dorm room. However, some schools are p