Contributor ⭐

money saving tip

Forum|Forum|9 years ago
March 14, 2017
53 replies
43487 views

When I go to local dollar store,which is over 25 miles away, i purchase the scratch pads with the sponge included, so save on buying them seperate, then when i get home, i cut them in half, so that they will go last longer. And it means less trips to the store as well, so saving on gas also. I keep a spray bottle of peroxide under kitchen cabinet, so once a day, i spray them, to clean, so they are germ free for next use. This is one of the many tips I've found helpful over the years.

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retiredtraveler

Contributor ⭐⭐⭐

I don't see hydrogen peroxide as saving money. It is several times more expensive than vinegar. One can purchase cleaning vinegar, which is 6% acidity, for about $3.25 a gallon.

"...Why is everyone a victim? Take personal responsibility for your life..."

Epster

Community Champion ⭐⭐⭐

@retiredtraveler wrote:
I don't see hydrogen peroxide as saving money. It is several times more expensive than vinegar. One can purchase cleaning vinegar, which is 6% acidity, for about $3.25 a gallon.

@retiredtraveler and @pt21427831 I use peroxide to help keep my hair white. Without occasional peroxide rinses, it tends to yellow on the ends.

Can't speak for prices in your area --prices are sometimes regional-- however I purchase peroxide from Walmart for .79 per quart, which makes it less expensive than their white vinegar which sellsl fro $3.30. That said, I'd rather use vinegar on a sponge and in the kitchen, because it kills 99% of all pathogens on contact, and because it is actually a food item. But that's me. Peroxide poisoning does happen, though I understand it requires ingesting a fairly large amount.

"The key to success is to keep growing in all areas of life - mental, emotional, spiritual, as well as physical." Julius Erving

dj146

Contributor ⭐

Or you can save money & time by just putting them in the microwave oven for 10-15 sec.

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WebWiseWoman

Community Champion ⭐⭐⭐

Yikes; came into this topic thinking "nice; great topic", then found the issue to be pretty nasty (well, it does evolve into cleaning, so there you go)...

I have been self-supporting for 20+ years; I did become homeless for a while (within the last 5 years), but recovered.

The only money saving tip I have is BUDGET, BUDGET, BUDGET, and within that budget give yourself the "me" money (e.g. $10/month for drive thru or CiCi's).

I seriously appreciate the $10 I give to me...

Epster

Community Champion ⭐⭐⭐

@WebWiseWoman wrote:

The only money saving tip I have is BUDGET, BUDGET, BUDGET, and within that budget give yourself the "me" money (e.g. $10/month for drive thru or CiCi's).

I seriously appreciate the $10 I give to me...

@WebWiseWoman Hey, happy Friday. 🙂

Good tip about giving yourself some fun money each month.

We don't do that, exactly, but we do head off to Dairy Queen for a small dipped cone once in a while --perhaps 8 times a year. The ingredients are pretty sane (read: real food) so it's a treat we feel good about. 😉 Also the local Dairy Queen usually sells small dipped cones for a buck on Wednedays in the summer, so we try to go then. 🙂

"The key to success is to keep growing in all areas of life - mental, emotional, spiritual, as well as physical." Julius Erving

wilful

Contributor ⭐⭐⭐

Hey Epster - Next time you go to DQ - jump outside your comfort zone and get a Salted Caramel Truffle Blizzard® Treat. And - Smile with every bite!! It will do you good!! 🙂

Don't think about it - Just Do it. Noooo thoughts of "But - afterwards, I will...."

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p550363w

Contributor ⭐

The stock markets currently have a great deal deal of emotional up swings for Investors. Yes, the second half of 2016 wasn't as productive as Q1 & Q2, however, GDP was up 3% and unemployment down under 5% close to full employment. Currently, the Dow Jones, S&P 500 and NASDAQ are setting records. What goes up can come down too. I'm see silver a better investment than gold and high yields are paying great dividends of return for risk takers. Treasury bills are fairing well. I'm not big on the bonds.

Google new partnership with INTEL on driveless vehicles by 2026 their estimated revenue is $96 billion dollars. UCLA is going to have an injection drug from their cancer research department soon. So, please be awre to take your emotions out of your asset allocation portfolio and do your own diligence before buying or selling stocks in your portfolio.

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RonMesnard

Contributor ⭐⭐

Hopefully you are more savvy than you sound. Low interest CDs and bonds may not be a good investment if their rate is less than inflation. The only 'safe place' for your money is in the market. Note the quotes. The market is not very safe right now. Unless the market has been your hobby for the last few decades you are best having a broker making all your decisions. Your decision is finding the best broker or better portfolio manager you can. To do that, you need to know your stuff. I listen to talk radio investment shows weekly. After a few decades it sinks in.

The best investor companies use programs to analyse how the stock market is changing. They can predict about when a crash is likely. As long as they beat the crash by a day they have done their job. Right now we are in the biggest bubble since 1930. If you don't have an ace stearing your ship maybe now is a good time to bail. The problem is in a bubble you can make more in a month than you normally do in a year. That is why having the best will allow you to make a maximum profit. Another option is to purchase a defensive stock like ATT. Its value is detrumined by a combination between the DOW and interest rates. If the DOW crashes these will be the least effected and that is why they are defensive. These high dividend stocks produce dividends up to 5%. They have better yeilds than bonds in these low interest times. The higher the yeild the more it follows the interest rates and the less it follows the DOW.

Anyone over 50 ought to spend some serious time educating yourself to finances weekly. Last year I did between double and quaddruple what my friends did. If you do that from 50 to 80 you will have a pleasent retirement. Too many of my friends will be in terrible finances. It is common to be in sub-poverty after you retire. I don't want to live like that so I have made time protect my investments. Then you don't need to worry about saving a dollar.

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Celmo

Contributor ⭐

I am surprised that there isn't more discussion about finances and investment management. I would sure welcome an opportunity to learn from you or others with more experience. I am concerned about the bubble and losing hard earned savings and investments. Any pointers would be appreciated.

rockaria

Contributor ⭐⭐

My advice: Don't let down-on-their-luck relaties "temporarily" move in with you. She's still here, over a year later, and I can no longer afford my rent & utilities. We're going to both be homeless soon!

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s804940b

Contributor ⭐⭐⭐

So sorry. You really should ask that person to leave.

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njbjrb

Contributor ⭐

Hello.. good idea, but my way is free!!! Yes free, at the end or beginning of each day I microwave my sponges, this kills all unwanted germs .Just make sure they are a little damp before microwaving. I put mine in for one minute. Wait to take out or be careful as they are hot for a few.

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s804940b

Contributor ⭐⭐⭐

Good idea, but are we here to argue over cleaning counter tops?

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billham68

Contributor ⭐

I'm surprised that no one has mentioned the wide availability of senior discounts--a great way to save money. I always ask at the customer service desk if a senior discount is available. Oftentimes I'm pleasantly pleased when they say yes. A new barber shop opened up nearby that offers senior discounts for haircuts every day of the week, plus with a little effort I can find coupons that beat the senior discount. Instead of spending $18 + tip I now pay as little as $9.95 + tip (I'm not a cheapskate so I base my tip on the regular senior price). Discounts at my automobile service center, local movie theater, and several nearby restaurants have also saved me a fair amount. Saving money when shopping is possible almost on every outing just by asking--with a smile of course.

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k306947w

Contributor ⭐

Instead of doing laundry every week do it every 10 days. 3 more shirts socks and underwear won't significantly increase the size of your loads. Set reminders for the 1st, 11th & 21st. So at least 12 washings a year less. That's lots of water, gas/electric to heat the water and a reduction in energy use to power the washer and dryer. Also hang dry as much as you can. The dryer is the wrorst energy waster in the home. You'll save time and cut down your carbon foot print significantly

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s804940b

Contributor ⭐⭐⭐

We use a dryer deflector in the cold months here. It redirects the hot air back in to the house. The kit cost $7.00 at Ace Hardware.

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RonMesnard

Contributor ⭐⭐

It will also add some mosture to your air.

amcoffiebean

Contributor ⭐⭐

Where to start? We have reaquainted ourselves with our library because we can order a book online and pick it up within a day or two and read for free. We are fortunate our local branch is just a couple of miles away and on a route we drive often.

I coupon and sign up for rewards programs when it's a place I frequent. I detest these things, but if you don't use them you are missing out on reduced prices. But I also buy store brands that are quality and less expensive, many beat a coupon price. I love Aldi's and Dollar Tree for certain items we like. Aldi's is trial and error for us. Good on lots of things, not so great on others. And we have a little room to stock, so I buy multiples on good sale items. Big ticket items we do our best to research well and wait for sales.

We like to cook, thankfully. We can usually do better than most restaurants taste-wise. We leave restaurants for a treat. And if you get familiar with your local VFW, Legion, Eagles etc a lot offer great food, with special weekend breakfasts and other meals at great prices. Our Legion has wings every other Tues, and none better anywhere and quite a value. Most are open to the public for meals and most memberships at these Veterans clubs are literally dieing out. They could use public support to survive.

We grow a few vegetables, the easy ones like peppers and tomatoes and we are expanding the list. I'm not sure it's cheaper sometimes, but the quality hands-down beats anything in the stores and even some farmer's markets (which we also frequent)

We are movie addicts so we pay for Netflix and stay home with popcorn.

I have more, but it would be too long a read.

amcoffiebean

rockaria

Contributor ⭐⭐

I enjoyed reading your post. If you have more to add, don't worry about it being too long. I would love to read it.

amcoffiebean

Contributor ⭐⭐

To add: Walmart Savings Catcher doesn't require using a smart phone, it's just easier and saves time scanning a receipt.

And a caveat about rewards charge cards that even the fine print leaves out: Most charge card companies won't recognize the warehouse clubs gas pumps as "gas stations". If you fill up at Sams, BJs etc you may not be getting your rewards points/rebates. They also will not recognize the warehouse clubs as office suppy stores or even Walmart as a grocery store. Since most fine print calls the rewards "qualifying purchases" without listing those, you often have to contact the bank/card company and ask those specific questions directly to find out.

amcoffiebean

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Dar52

Contributor ⭐

I save quite a bit over a year's time by switching to single-ply bath tissue. I think we all tend to pull off the same amount whether it's more than we need, or not. I've found that the same amount of single ply does the job just as well as the double and a roll lasts me twice as long.

wilful

Contributor ⭐⭐⭐

I'm afraid that this is one thing I won't skimp on. I gotta have that 2 ply TP.

Each to their own.

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s804940b

Contributor ⭐⭐⭐

Scott 1000 sheet rolls are single ply. Most stores have a store brand that matches up. It works just fine and lasts much longer than the 2 ply. Next time you shop, compare the square feet of your brand to Scott or the store brand of Scott. You are getting ripped off.

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punca1939

Contributor ⭐

I put my dishwashing sponge either in the dishwasher or the microwave (depending on the thickness of the sponge....1-2 minutes).

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