Keep Our Service Free-Donate

Showing posts with label tips for frugal living. Show all posts
Showing posts with label tips for frugal living. Show all posts

Tuesday, September 9, 2014

How You Waste Money-Ways to Save Money!


Poor Man Survival

Self Reliance tools for independent minded people…


 

ISSN 2161-5543

A Digest of Urban Survival Resources

"To learn who rules over you,
simply find out who you are not allowed to criticize."
-- Voltaire

 

 

30 Ways You Waste Money

Almost all of us have holes in our budgets. And as with other kinds of leaks, you may have hardly noticed some of them. But those small drips can quickly add up to big bucks. The trick is to find the holes and plug them so you can keep more money in your pocket. That extra cash could be the ticket to finally being able to save, invest or break the cycle of living from paycheck to paycheck.

We've updated our popular list of money-wasters for 2014 with even more tips and resources to help you cut unnecessary expenses from your budget. Consider these 30 common ways people waste money. If any of them sound familiar, start plugging your budget holes right away.

Buying at the Wrong Time

Most things are marked down at certain times each year. So planning your purchases to get big-ticket items when they're at their lowest price can save you hundreds of dollars. For example, apparel is dramatically marked down at the end of each season and during sales events over long holiday weekends, such as Labor Day and Memorial Day. Furniture is discounted as much as 60% during clearance sales in January and July before new styles are released in the following months. Prices on TVs and computers are slashed on Black Friday -- and the list goes on.

More at:

http://finance.yahoo.com/news/30-ways-to-waste-your-money-212719941.html

 

Americans should also blame themselves for their declining net worth. We waste a whole lot of money. Seriously -over half a trillion dollars.

 

From unused gift cards to ATM fees we waste or lose billions annually.  Take a peek:


 

 

Save on fuel

Our nation’s roads and bridges are in sad shape and the toll winter takes on roads only makes the situation worse [pot holes in MI have been known to swallow cars].  As a consequence many of our cities are playing catch-up on road repairs.  Avoid congested routes and save on fuel and repairs [and perhaps a few bottles of aspirin] by using this resource:

www.traffic.com or from your cell phone at:  http://mobi.traffic.com or by calling the traffic hotline at: 866-698-7232

 

The percentage of Americans that are either working or looking for work is the lowest that it has been in 36 years?  In August, an all-time record high 92,269,000 Americans 16 years of age and older did not "participate in the labor force". 

 

 


Your Online Estate…A Sign of the Times!

My husband died suddenly. I had been a widow before at the tender age of 25. The world was different then with no internet, no online accounts, and no home computers. We were young and owned nothing.

This time I had the problem of not knowing passwords for online accounts. A couple of accounts like PayPal and Amazon were set so that the computer remembered and automatically entered the password. However, it took two hours to get the name changed on the phone and Uverse account with AT&T, because with paperless billing, I didn't have the full account number. I didn't know the password, but I did know the PIN. I couldn't answer the security questions because he chose obscure questions. Fortunately for me, that was the only account that my husband usually handled alone. I knew the passwords for the credit cards, etc.

It would be a service to your readers to suggest that everyone keep a list of financial passwords with their wills.

 

Secret Way to Save on Eating Out

Sure there are entertainment books, coupons in local newspapers and on the back of supermarket receipts and many restaurants offer coupons on their own web sites…but after spending much of the past two years in and out of hospitals, I have found their cafeteria offers a great place to eat for not a lot of money.

I’ve eaten in hospital cafeterias in MI, PA, OH and AZ and have found all consistently offer tasty dishes ranging from veggie omelets to gourmet dinners.  In one city I visit often, many of the locals choose to eat at the hospital rather than the local restaurants!

 

Nearly half of all Americans say they lose track of about $2,340 per year according to a study by Visa – no one is sure where the money goes and men under 35 are the biggest mystery losers and women in that age group fared nearly as bad losing an average of $52 each week!
 
 
 
 

More Resources for Better Living


 


 


 


 


 

 
Find More DIY and Homemade ideas here:


 

 

Yours in freedom,

Bruce ‘the Poor Man’

 

Got a News Tip or Resource to Share With the Poor Man?


 

A Shallow Planet Production

Sunday, August 24, 2014

Granny Crabapple's shocking secrets to pinching a penny


Poor Man Survival

Self Reliance tools for independent minded people…


 

ISSN 2161-5543

A Digest of Urban Survival Resources

I've done so much for so long with so little, that now I can do anything with nothing…Grandma





 

 
 
 
 


Granny Crabapple tells you how pinch a penny!

 

Old Granny could teach the government a thing or two about saving money and how to balance the budget.  She is famous for making a dime do the work of a dollar!  Here are a few of her top hints…

 

1. Get rid of the kids!  Those little critters are expensive to raise so stop having so many children.  They always want this or that expensive electronic toy and parents are usually dumb enough to race out and buy them something which will be in next years’ garage sale.  Teach them to read and send them to the library for gosh sake. Tell them to go out and mow a lawn for some neighborhood granny like me…maybe they’ll get a tip [or a boot in the but if they screw up]. And they don’t need those distracting cell phones to sext their friends with.  Do you like those $100 a month family plans Verizon offers…put the damn money into an education fund.  Kids don’t need cell phones, period!  [There, I just saved you more than $100 bucks a month].

 

You could always sell the little buggers to some gypsies I know!

 

2. Make your own cleaning stuff.  Dump those expensive paper towels and use a rag which can be rewashed a 100 times and make your own all-purpose cleaning liquid by mixing 40% ammonia with lemon scent, 50% water and drop or two of dish soap.  Put it into a spray bottle and clean your kitchen and windows for pennies.

3. Dump cable TV or get their cheapest plan.  How many stupid episodes of Survivor or the hillbilly channel do you need?  Hell, even the news sucks and the networks are just a mouthpiece for the government and you don’t need any more of their propaganda or kool-aid.  [Speaking of Kool-Aid, it’s a lot cheaper than those sugary sodas your kids are loading up on…plus they might even lose some of those fat bulges they’re carrying around because they spend too much time playing computer games.  Boot them out of the house and lock the door.  They’ll learn to play on their own, it comes natural and beside, you need some time to reflect peacefully on how you can take over the world and make it a better place as our two political parties sure haven’t had any success!

 

 


 

Learning to be more self-sufficient will save you $$$
read more here

 

Stay tuned for future penny pinching insights from Granny Crabapple…

 
 
 

"He who does not economize will have to agonize"—Confusius

 

Getting Rid of Pet Odor

 

We’ve owned dozens of cats over the years and their ‘spray’ can be very annoying.  We also purchase many storage units and lots of items at auctions each year and frequently find animal odors present.

 

Club Soda


Several years ago, we moved into a house where there had been dogs. We had a cat and he was very territorial! He sprayed every corner of our dining room, over and over again. Apparently the doggy smell was strongest there. I was about to give up and have the room removed, since I couldn't remove the "zoo" odor, when a friend suggested using club soda. I bought a liter bottle and poured a generous amount onto the carpet, letting it fizz. When the fizzing stopped I used lots of paper towels to blot up the liquid then let the area air dry. I did every corner of the dining room (it probably looked like some strange ritual by then!). It took a few applications but the odor went away! I hope this works for you as well as it did for me. I also use club soda when someone (or one of the cats) has vomited on the floor. Takes the smell away in a snap!
Donna


Try Enzyme Neutralizers


Have you tried the enzyme odor neutralizers such as Simple Solution or Nature's Miracle? Personally, I've found Nature's Miracle to be about the best. You have to follow the directions EXACTLY though and saturate the area with the product, then leave it there the appropriate amount of time. You also have to treat ALL the areas where the animal has urinated, because if you leave a spot undone, the animal will smell that and think it's still "okay" to go there.

This stuff can be expensive if you purchase it through a place like PetSmart, etc. on a regular basis. I've found the cheapest source of this stuff (and other pet products) to be Jeffer's Pet Supply 1800jeffers.com. They have some amazing deals. They also sell an ultraviolet light to help you "view" the urine stains, but this seems kind of expensive for what it is. Unfortunately, sometimes depending on your sub-floor or flooring, the odors still persist.

Another product I have used are the "Smell-Eze Granules" at no-odor.com and these work fairly well, though are relatively expensive, for getting rid of urine smells. You sprinkle this on your carpet and the granules absorb the odor (different from the grocery store-type carpet deodorizers; these have no smell on their own) I also bought the Smell-Eze bags of granules that you place around your home (for smoke, pet odors, etc.) and they worked great for a while, then seemed to conk out. Whatever you use, it is sometimes a challenge to conquer these smells, but it can be done!



Color Safe Bleach


I moved into an apt where cat urine was abundant. I used Vivid Safe Bleach and it removed every trace of the smell. It did not stain or lighten the carpet, but I would try a hidden area first. I poured the Vivid on the spot, rubbed it a bit, then covered it with paper towels and heavy object. I kept replacing the towels

Finally Tried Odo-Ban


We had two large dogs and still have one cat that had "accidents" in the house. I tried everything, from vinegar to baking soda, to commercial bacteria cleansers from our local pet store. The best thing to use and I strongly recommend it is a product called "ODO-BAN" it is available in one gallon containers from Sam's Club. If you lived nearby, I would be happy to give you a cup of it. Just mix it 1:3 parts water, sprinkle on the spot, (we used a watering can as it was a large area, and let dry) Once it is completely dry, it is impossible to detect any odor. Also you can put it straight in a spray bottle and spray it in the air to get rid of odors too. Take it from someone who used it on a "skunked" dog. IT WORKS!!!
Anna A


Baking Soda Solution


I had a cat who was getting elderly and had kidney disease. She started going into our lower level den behind a couple of chairs and urinating. I think what enticed her was the fact that we had sustained flood damage and the carpet had gotten wet and had a dank smell to begin with. Then she added to it before I could treat the wet smells from the flooding!

After getting the carpeting dried out and cleaned as well as possible using the standard carpet cleaners, I realized the urine smell was very much still present. I have a handy little book called "Baking Soda-over 500 uses..." and here is what finally worked for me. To prevent the lingering smells in a carpet, they advise to clean up what you can, then generously sprinkle the remaining spot with baking soda. Scrub gently, from the outside toward the center, with a stiff brush or sponge dipped repeatedly in clean water (test for colorfastness!). Blot up the moisture with paper towels. Leave a last small layer of baking soda powder sprinkled on the spot and vacuum it later when the carpet is dry. I had to repeat this several times, but it worked! No more smells!! Carpet looks fine! (and this was an OLD carpet)

For general deodorizing, they also advise sprinkling baking soda on carpeting monthly, or as needed, before going to bed and let it set overnight. Vacuum the next day. They include a home-made carpet deodorizer recipe:

1/2 cup baking soda
1/2 cup cornstarch
15 drops of your favorite essential oil fragrance


Get to the Source


Lift up the carpet and get the affected padding out of there. Cut out a square piece of the padding and replace it, or if it is foam rubber wash the affected piece. You will not get it clean while it's on the floor, a carpet scrubber is only meant to clean the carpet, not the padding. If it is washable, clean in a mild solution of dish detergent and warm water, then rinse in vinegar. Dry thoroughly before putting back down (staple into place).

Once the pad is clean, the carpet should be shampooed. I've done this for people before. A) Spot treat the area with carpet cleaner solution straight out of the machine and let sit for 5-10 minutes. B) Clean the carpet per instructions on the machine. C) Replace the shampoo in the machine with white vinegar and go over it thoroughly one final time just as if you were shampooing the area.

If the cat or any cats are still in the house, this will not be good enough. The cat will still be able to detect the smell, as will cats to follow it, and they will mark the area. If you plan on having a cat again, the carpet and the pad are not salvageable, except in a room the cat would never be allowed into.



Ammonia and Oil Soap


Use equal parts (about a tablespoon each) ammonia and Murphy's Oil Soap and dilute it in a gallon of water. It worked for us…

 

 


 

Additional useful gems for making life better…

 





 

Find DIY and Homemade ideas here:


 

Yours in freedom,

Bruce ‘the Poor Man’

 

A Shallow Planet Production

Thursday, June 12, 2014

11 Money Saving Habits That Can Cost You


Poor Man Survival

Self Reliance tools for independent minded people…


 
ISSN 2161-5543

A Digest of Urban Survival Resources

"Beware of little expenses; a small leak will sink a great ship"--Benjamin Franklin

 


11 money-saving habits that can cost you


Even that savings account is hurting your savings


Trying to cut costs in your daily budget is a valiant — and often necessary — practice. A few dollars saved here and there can amount to a sizable sum over time, after all. But how you save can make a big difference in how much you save. Because when it comes down to it, not all “money-saving” tactics actually save you money. 

Here are 11 common penny-pinching tactics that could actually cost you more in the long term — and smart money-saving moves you can make instead

Buying something just because it’s on sale

“Sale is the most dangerous four-letter word,” says personal finance blogger Zina Kumok. And with the rise of flash sales and coupon sites like RueLaLa and Groupon, the temptation to impulse-buy just to get a good deal is even higher, adds Ozeme J. Bonnette, author of “Get What Belongs to You: A Christian Guide to Managing Your Finances.” “So often, we find a deal that is too good to pass up, yet we wouldn’t have even bought the item or service if it had not been mentioned to us,” she explains. (Guilty.)

Clothing sales can be especially tempting, as we justify buying items we don’t need because they’re half off or bargain with ourselves that we’ll wear an item “someday.” (Guilty and guilty!) Woroch suggests curbing the temptation to snatch up deals by unsubscribing from store e-newsletters, canceling snail mail catalogs by contacting Catalog Choice , and deleting any flash sale or daily deal apps that push tempting pop-up notifications on your mobile device. If all else fails, commit this mantra from Los Angeles-based financial expert Pegi Burdick to memory, “The most expensive thing in your closet is the item you don’t wear.”   More at:


 


Make Your Own Convenience Food
Everyone has times when they're too busy to think, let alone cook, and that's when expensive convenience food is so tempting. Is there a way to get homemade convenience food without the price? You bet.

 

10 Kitchen Tricks
Who doesn't want to save a bit of time in the kitchen or a bit of money on the grocery bill? These ten kitchen tricks will make your life a little bit easier. And they're so simple that you'll wonder why you hadn't thought of them yourself! Read more.

Hearty breakfast ideas
read more here

The Sock Solution

Everyone in my family wears white socks. It's such a pain to sort them after drying! I bought white mesh bags for delicates and gave everyone a bag. I told them to put their dirty socks in the bag. Each bag has a name on it. When I wash whites, I just throw the whole bag in the washer and then the dryer. No more sorting socks for me!   >>Celeste

 

 


Save It, Fix It, Keep It, Use It

1437 Surprising Ways To Save Cash With Items You Already Have!! These days, you'd think businesses would be doing their doggone best to please their customers. But good work and solid products are scarcer than ever! Learn to flat out stop paying for half-hearted service and pricey replacements with amazing tips ... like how to save up to 20¢ a gallon on your next fill-up, lower your heating costs with one lit candle, and weed-proof your lawn with a soda bottle and more…


 

 

Find more homemade recipes and tips at:


 

Yours in freedom,

Bruce ‘the Poor Man’

 

Got a News Tip or Resource to Share With the Poor Man?


 

 

A Shallow Planet Production

Saturday, February 4, 2012

Shelf life of Pantry Items, Preventing Assaults, Using Land Trusts


Bruce’s Poor Man Survival Bulletin

A Digest of Urban Survival Resources


ISSN 2161-5543

A Free Press is the Guardian of a Free People

In This Issue:

1.       Know the shelf life of pantry foods

2.      Safeguarding your privacy on facebook

3.      Preventing assaults on women

4.      Freelancers – Know what to set aside for taxes

5.      Earn SWAG by spotting trends, Foreclosure prevention/Land Trusts



Some lawyers and judges may have forgotten it, but the purpose of the court system is to produce justice, not slavish obedience to the law."
-- Charlie Reese
(1937-2011) Columnist




A New Level of Education in Aquaponics


Aquaponics, an innovative method of agriculture that combines aquaculture and hydroponics, has garnered international attention as people around the world look for sustainable, efficient and highly productive methods of growing fresh food.


The Poor Man wanted to try this while living in AZ but no outdoor project seemed workable. As you might guess, it’s too darn hot. I plan to give this a serious look at though this coming summer at our mini-farm.  One always investigates what works best to achieve a self sufficient lifestyle on small acreage.  Goats, rabbits, chickens and ducks are always a good choice and provide a variety of food sources.


A suburban family of four turned an old swimming pool into a greenhouse / fish pond food production system. They grow most of what they eat from this backyard setup.
Here is the link to the GardenPool site and their video with the laundry gray water irrigating fruit trees.
http://gardenpool.org/?p=860



If any of you have had experience with backyard aquaponics, we’d like to hear from you.  If we use your story or resources, we’ll give you a free We Don’t Need Another Election T-Shirt. Send to: PoorManSurvivor@yahoo.com and put “fish” in the subject box.

Read more:
http://www.motherearthnews.com/sustainable-farming/education-in-aquaponics-zwfz1111zhun.aspx#ixzz1l8JysxBQ



If you live in the Portland area, here’s show worth attending…


Better Living Show in March - Free Admission

Home and Lifestyle show in Portland, OR on March 23-25 featuring green home and garden products, natural health experts, organic food, sustainable energy solutions and more.  Keynote speaker:  Daryl Hannah




Repurpose outdated baby cribs into herb drying racks…we turned an old baby expandable pen into a compost barrier to keep critters away.



PM’s Compendium of Useful Resources


The Shelf Life of Pantry Foods  Learn how long foods stay fresh in the pantry, and you'll know just how much to stock up on, and when it's time to replace key ingredients like baking powder and spices. More at: http://frugalliving.about.com/od/stockpiling/a/The-Shelf-Life-Of-Pantry-Foods.htm?nl=1



Free Box of Samples (while they last) - Handcrafted, natural products

Sample box includes info, salve, bottle of wonder spray and organic soap…




EARN SWAG BY SPOTTING TRENDS
In these budget-tight times, "swag" (free merchandise) can help. If you're good at spotting trends, take a look at Happy Spotting. It's a global network of folks who keep an eye out for new consumer styles, products, behavior, etc.

Free to join, and swag ranges from Amazon gift certificates to netbooks, real books, etc. For details,
click here.   http://www.happyspotting.com/



Freelancers -What you should set aside for your annual IRS Squeeze…

IRS rules as of February 2011 state that if you net $400 or more from freelancing, you must file a tax return. This likely comes as no surprise. However, the amount to set aside for taxes varies based on a few considerations. Keep in mind that percentages, credits, exemptions and other factors that may affect tax amounts change from year to year. Keep yourself informed or consult a tax professional experienced in freelance income reporting to verify that your information is current...




Safeguarding your Facebook and online privacy

If you don't like targeted ads based on your search history, you can just utilize your browser's Do Not Track options (read this to learn how to enable them). Facebook now offers lots of ways to set the level of privacy you want to maintain, which is great, but with all the options it can be tough to learn and get just the way you want. Our always up-to-date guide to managing your Facebook privacy can get you up to speed.


One of the first things you should do with Facebook is prevent apps from using your personal data as much as possible. Signing up for an app can provide the developers with much more information than you may realize as the apps will take information they don't necessarily need. To find out what each app is doing and limit its reach, just click the downward-facing triangle in the upper-right hand corner of your Facebook page and choose "Account Settings." From there click the Apps tab and click the "Edit" link next to any app. You'll see a list of what it is allowed to do plus the information it can access. Some stuff will be required for the app to function, but you'll almost always find something that isn't. Click the "Remove" link to revoke the app's permission to access that information.




Assaults happen all too frequently, especially on women.

You may already know:

One out of four women will be sexually assaulted on a college campus.

One out of eight women will be raped while in college.

84% of women who were raped knew their assailant.

57% of rapes occur on a date.

75% of male students and 55% of female students involved in date rape had been drinking or using drugs.

These are the reported figures. There is a lot of data suggesting that most rapes go unreported. One study showed that only 5% of victims of rape or attempted rape report it to college police.


Here are some things you should know to help prevent an assault …..

LOOK. Look around you and be aware of your surroundings, such as hiding places, people following you, etc. If confronted by an assailant, look him straight in the eye so he knows for sure that you will remember what he looks like in a police lineup.

YELL
. There are two things about a shout. One, it attracts the attention of others. Second, it deters assailants. They want an easy target, not someone who is going to resist.

SHOW
. If you are carrying a non lethal self defense weapon, SHOW IT. Sometimes the sound of a discharging stun gun is enough to frighten them off. Try using a combination of SHOW and YELL. Try something like "back off or you'll get 900,000 volts!"


PAIN. Learn where some key points for pain are and how to inflict as much pain as you can quickly. Eye gouge, pinch or bite under the arm or the upper inner thigh, or the groin areas are all sensitive and subject to maximum amounts of pain. A sharp blow across the bridge of an assailant's nose will stop him dead in his tracks. You want just enough time to escape. Consider using your elbow if you can - it is the strongest point on your body.

INSTINCTS. Always trust your INSTINCTS. Women are usually more insightful than men - use it to your advantage.

CARRY. Always carry some type of non lethal self defense weapon. A stun gun, pepper spray, or a telescopic baton are good examples. Each, if and when used, will afford you enough time to escape and get help. NOTE:  Even non lethal self protection devices are illegal to carry in some states like MI.  Be sure to check for anti-citizen laws in your state before purchase.
http://www.tbotech.com/



Keep your furnace clean, lubricated and properly adjusted with annual maintenance. If your furnace is working at peak efficiency it will use less energy and cost less to operate.



The Nanny State Updates…



If the global economy was a game, America would be losing very badly…

According to Stanford University economics professor Ed Lazear, if the U.S. economy and the Chinese economy continue to grow at current rates, the average Chinese citizen will be wealthier than the average American citizen in just 30 years.

 Nobel economist Robert W. Fogel of the University of Chicago is projecting that the Chinese economy will be three times larger than the U.S. economy by the year 2040 if current trends continue.

No Common Sense at schools

At one public school down in Texas, a 12-year-old girl named Sarah Bustamantes was recently arrested for spraying herself with perfume.

-- A 13-year-old student at a school in Albuquerque, New Mexico was recently arrested by police for burping in class.

-- Another student down in Albuquerque was forced to strip down to his underwear while five adults watched because he had $200 in his pocket. The student was never formally charged with doing anything wrong.

-- A security guard at one school in California broke the arm of a 16-year-old girl because she left some crumbs on the floor after cleaning up some cake that she had spilled.

-- One teenage couple down in Houston poured milk on each other during a squabble while they were breaking up. Instead of being sent to see the principal, they were arrested and sent to court.

The Parting Thought – Safeguarding your homestead



Foreclosure Prevention/Land Patent Scam - Land Trust Tool



As most property owners already know, you never truly own your own land as we’re all in perpetual hock to various levels of government.  Get behind on property taxes and your property can be sold off.



These days, many people are worried that their home may be foreclosed on. Scammers are preying on this fear by holding “seminars” in which they sell you a “land patent” on your property. They claim that if you apply for this patent, generally costing between $500 and $15,000, you can prevent foreclosure.



 In addition to paying this large sum, you are required to remove the address numbers from your house, remove all mail receptacles, and “trademark” your name, along with several other bizarre tasks. The people leading these seminars state that, by following these instructions (and paying their fee), you can re-negotiate your promissory notes and trust deeds with your lender. As a result, you will then only be required to pay a percentage of your previous mortgage payment every month.



Scam. A land patent was used to evidence right, title, or interest in real property in the early days of America. Land Patents were usually granted by a central, federal, or state government to an individual. Since then, these tracts of land have been separated, platted, carved up and conveyed through time by deeds.



You’re better off to consider this…



The land trust is a very powerful tool for the savvy real estate investor. A land trust is a revocable, living trust used specifically for holding title to real estate. Each property is titled in a separate trust, affording maximum privacy and protection.

Here are seven reasons to use land trust for titling property to real estate.



Read the rest at:  (Scroll down to 2nd half of the page)




“Until the next revolution”, the Poor Man



Remember, remember the 4th of November…

Get your “We don’t need another election” Protest T-Shirt Now




Follow us on Facebook




 Twitter




Keep our services free, visit our sites…

Check our Resources



New self sufficiency books added weekly




A Shallow Planet Production