Monday, April 18, 2011

Happy Tax Day Everyone!

Here's a cheerful cartoon to get you through TAX DAY.......
And remember two things as you work your tax figuring pencils to a smoldering nub today--
1. Millions of people in this country who actually pay NO income tax will get REFUNDS!
Huh???
2.  The head of the IRS is a tax cheat.

Now, don't you just feel loads better?

Yes, I am a sick sarcastic bitch......
Now get out there and SMILE!

Sluggy

Saturday, April 16, 2011

Keeping The Easter Basket Scene Frugal REDUX


Since it's that time of year again, here is my Easter Basket Frugality Post from last year. So good you want to read it twice. ;-)



Today I'd like to continue talking about yesterday's Easter basket post theme found HERE

With many people having less money in their budgets due to the recession, even if you never considered being frugal when putting together your kids' Easter baskets before, you may be forced by circumstances now to downsize your holiday spending.   My thinking about Easter buying is, "Why spend more than you have to, no matter your budget?".

You can provide a nice Easter basket/goodies spread for your kids without breaking the bank.
Here are some ways to save money.

1.Set a Budget.  Either set a budget per child or a total budget for all baskets.  But set one and stay within your budget.

2. Know your child.  Figure out if they could only get 1 thing, what would make them the happiest?  Would your child like candy the most or what they prefer a toy?  With the cost of chocolate nowadays, in some cases it might be cheaper to get them a toy!lol

Keep your child's likes/dislikes in mind.  What's the point of filling their basket with $1 store toys if those aren't the kinds of things they prefer...or malted milk balls that were a great deal if they won't eat them?  Yes, it might be cheap to shop at the $ store but if the toys break within the first 5 minutes it's not a deal.

3. Decide what price tier of chocolate/candies to buy.  When it comes to buying candy/chocolate, there are the off brands, name brands and high end brands.

Off Brands are the least expensive but often they contain artificial ingredients.  Some people don't mind that and some do.  You need to spend your money the best way for your needs. I am talking Palmer's and other brands you find at discount retailers(Family Dollar, Dollar General, WalMart, Dollar Stores, etc.)

If you really prefer the major name brands of goodies(Hershey, M&M/Mars, etc.)there are ways to bring the cost of them down using sales and coupons.  Check out the major drug stores at this time of year, as they are running sales on the seasonal candies.  Combine those sales with manufacturer's coupons as well as store coupons to snag the name brand candy for as little or less than the off-brands.

If you can't compromise on quality and only the high-end specialty chocolate and candy will do, try to find coupon codes and deals online for those brands.  Google or Bing or Swagbucks or whatever search engine you prefer, the names of brands like Godiva, See's, etc.  You may be able to find a deal somewhere. 

Another way to save money on the candy/chocolate is to NOT buy the specialty packages for the Holiday.  Often times, specially wrapped candy/chocolate for the holiday is either more expensive per ounce or you get less product in the package compared to the non-seasonally packages of the same product.
To save money when this is the case, buy 1 bigger seasonally wrapped item(like a bunny shaped or egg shaped chocolate)and use everyday shaped/wrapped/packaged candies/chocolates as the smaller "filler" candies.
Something I do to keep the candy/chocolate cost down is to buy Christmas and Valentine's candies on deep discount during the holiday clearance sales and use it for Easter basket goodies.  I'll pick out the silver, gold, white and green wrapped/colored Christmas candies and the silver, pink and white colored Valentine's candies for the Easter baskets.  Add in a little lavender and light blue Easter themed candies and who can tell?lol

4. Reuse what you can from one year to the next.
When I was a kid, we reused the same basket & fake grass every year.  You don't need to buy the container you use new each year.  Unless you have a really really huge Easter basket, you should have sufficient storage somewhere in your home to stow it away until next year.  Same goes for the grass, and any decorations. Heck, if you wrap the basket in cellophane, you should be able to reuse that as well from year to year.

5. Get if for FREE or Get creative and think outside the basket.
If you don't presently have an Easter basket and grass, for goodness sakes, do NOT go buy them new!  There are numerous places you can find perfectly good baskets for cheap or free even.  Try yard sales, ask friends if they have old baskets hanging around in their attics or garages(I bet most everybody has at least one!), ask on CraigsList or any Free or Barter type local newspapers or online groups.

If you can't find a typical Easter basket for cheap or free that way, think outside the box.  An Easter basket doesn't have to be an Easter basket.  How about using an old Beach Pail, a free pastry flour bucket you can get from your local bakery, a cardboard box covered with self sticking wallpaper scraps or gift wrap you have laying around the house.  If you can crochet, how about a crocheted or knitted basket, a basket made out of string that you can stiffen with glue like THIS.  I have also seen this same idea used to make a basket out of sugar.  Any container you can think of has the potential to be turned into an Easter basket.  You are only limited by the reach of your imagination!

And if you don't have any plastic grass for gosh sakes, DON'T BUY ANY!  Plastic grass is so not environmentally friendly! Try shredding some old bills or papers in place of pre-made grass.  If you need color in your grass then use watered down paints or food coloring to give it that springy pizazz.  If you Must buy grass, buy something that is compost friendly, that's made of paper products or even the edible candy grass.

6.  Stay away from Pre-Wrapped Baskets.
The least frugal thing you can do is to buy one of those pre-assembled Easter baskets.  You know....the ones where all the goodies are already put in the baskets and it's wrapped in cellophane.  Sometimes the price may seem like a deal but look at what is actually IN the basket.  If you add up the cost of the items they contain, usually you can save money by assembling the exact same items.

7.  Hit the After Easter Clearance Sales.
While this tip won't help you this Holiday season to be frugal, check out the prices on the leftovers in the stores when Easter is over.  There are many good opportunities to pick up items for next year on the cheap like baskets,  accessories and toys as well.  Often companies will put out Easter or Spring themed versions of their toys.  Major retailers generally put these toys on clearance with the Easter themed items even though the toy itself isn't seasonal...it's just packaged in a seasonal way.  You can get great deals on toys that way that you can put back and give for Birthdays or at Christmas.
It's even possible to pick up candy/chocolate during the Holiday Clearance sales to use next year.  While I don't recommend this, if you can store the candy in such a way that it won't deteriorate, you can save lots.  I have bought M&Ms and packed them away in the freezer until next year and they looked and tasted the same as a freshly made bag.  Not all candies/chocolates can be kept so long so use your own discretion.

When shopping the sales, just be sure that the CLEARANCE signs don't cause your common sense to leave your brain.  A deal isn't a deal if you really don't need it!  Getting 3 Easter baskets for $.25 each on clearance is great if you NEED 3 baskets, but not so great if you don't NEED that many.  It's always a great idea to MAKE A LIST of what you NEED before you hit the clearance sales.  And stick to your list!!


Sluggy

Friday, April 15, 2011

More College Fun......Keeping My Fingers & Toes Crossed!



So Hubs took Daughter for a campus visit to the safety/small state college she was accepted into.  This is the school that offered her a 1/3rd tuition merit scholarship and is the only one that the pile of money we have set aside for her will cover the cost of the degree without lots of student loan debt.  It is NOT her 1st choice school so she grumbled the whole way to the visit.

She came back fairly impressed with the school and the biology/bio-medical departments there.  Her biggest concern seems to be now that this school is NOT in a large city like her 1st choice, so she thinks there will be nothing to do for fun.   Kids.....

She will be bored for awhile but she won't be in massive amounts of debt when she is done there.
I think that's a pretty good trade-off.
Heck, knowing her, she'll be running this school before she's done!lolol

She also discovered that this school has a nice little perk.  If she gets accepted into a special pre-med program there, she gets an automatic berth into an accredited medical school that is affiliated with this college.  No having to interview or apply to medical school(she could still apply to other med schools if she wanted to)and no competing with the hundreds of thousands of other potential medical school candidates for the finite number of slots each year.  There is having to keep her grades at a certain level through her undergraduate years but if she does, she's guaranteed one of the 5 automatic seats for graduates of her school into the Lake Erie College of Osteopathic Medicine.
Well she will have to get a 24 on her MCats as well as pass the interview and get letters of recommendation too.
She has already sent in her application for this program so we wait to hear back.  Please cross your fingers that she gets in....I'd appreciate it. ;-)

Of course, the $200,000+ she needs for medical school is another matter she can worry about 4 years from now.lolol

Here is some more information on this whole Student Debt issue.  If you have any articles or stories to share on this issue, please leave a comment and links for us.

* A Video from Glenn Reynolds' talk give at the Clemson Institute for the Study of Capitalism lecture series last fall on the 'Higher Education Bubble'  HERE.

*A humorous column from George Will HERE.

* For the first time, Student Debt surpasses Credit Card Debt HERE.

* A podcast by Zac Bissonnette, who wrote a book about going to college without going into debt(while he was still a student!) HERE

* An article on saving on the cost of school by incorporating Community College into your plan HERE.

* If you put your college funds into a state plan or a 529, you need to go read this HERE.

Also, if you have a Coverdell Education Savings Account(not a 529), you need to know that they extended the tax breaks that were due to expire 12/31/10.  The new end date for these breaks is  12/31/12...unless Congress extends the deadline again at that time.
This is something you should keep your eye out for in a couple of years if you'll have an ESA at that time.

Sluggy

Thursday, April 14, 2011

Doggone Fun!

Just something fun to watch.  I am a fan of this musical group and the myriad of videos they have created.
They did this video in support of animal rescue.
We say heck ya! to second chance pets.....all of our dogs have come from shelters.
All I can say is that I sure wish my kids were this well trained...lol

Enjoy!


Sluggy

Wednesday, April 13, 2011

My Tablecloth Domestic Hack......

What is a "Hack" you ask?
Well, it's defined as a clever, ingenious or out-of-the-ordinary way of solving a problem in your life.    Thinking "out of the box" if you will, that simplifies your life.
I've come up with solutions that I like to call Domestic Hacks.

Though my kitchen is of a decent size, it lacks enough storage.  There are 5 doors or doorways into/out of my kitchen, taking up precious wall space where cabinets should/could be.  Plus one whole wall is a half wall with a heating unit smack dab in the center of it, so no room to put any kind of storage unit/shelf/cabinet there either.  I do have a dining room hutch/cabinet combo but the cabinet part holds serving dishes, china and silverware.  There is no free space left in that piece of furniture either.

My problem is where to put my many kitchen table tablecloths when they are not in use.  I have a collection of seasonal tablecloths I like to cover my glass topped kitchen table with.  If you have ever viewed one of my shopping trip post photos, you've seen at least one of the cloths in question here.

But I have no place to store the cloths not in use at the moment.  Even folded up flat, they do take up precious room I can't spare.

So I store the tablecloths not being used at the moment ON the table!
I currently have 5 layers of tablecloth on my kitchen table.....


Since it's Spring, the flowered cloth is visible on top.
But lurking underneath are 3 Winter themed cloths that are not specifically Christmas and 1 Fall cloth.  I just rotate them to the top of the stack depending on the season.

Easy solution, right?lol
I saved some storage space, expended little energy, saved time getting cloths in and out of their storage place and I didn't have to spend any money to solve my problem.
Just one of my many "Domestic Hacks".

Do you have any Hacks you have come up with?

Sluggy