MM’s Money

September 8, 2008

What I Love – Frugal Stuff or Not!

Filed under: DH,Frugality,Lifestyle,Lil One — mmsmoney @ 12:00 am
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  1. I love to cook. So eating out or grab-n-go foods are not appealing. This is a big money saver in our household. DH makes it very clear he’d much rather eat my cooking than spend money on not-as-good restaurant offerings. However, this does add to my stress sometimes – like this past month – when I’ve been so very busy at work that I haven’t been able to plan well and when coming home to jump right into cooking doesn’t really appeal. I grew up cooking for my big family (6 of us) so I’m used to cooking for a crowd. If I make dinner for 3 vs. 2 (adults we’re talking here – Lil One would rather eat cheerios and chicken nuggets than my cooking – I’m trying not to take it personally), then it doesn’t cost all that much more and I have leftovers for lunch. Not eating dinners out saves probably $80/month and leftovers saves $100/month.
  2. I love to read. Now that I’ve decided to stop buying books and use the dang library, I can indulge my reading without breaking the bank. I tracked my B&N/Amazon Books purchases last year and WHEW they were high. I’ve been on the not-buying boat since January and it’s save us … wait for it…$800 so far this year. Yes, the library sometimes doesn’t have the immediate gratification of getting the latest releases first. And yes, I can’t love the book and reread it again and again (without checking it out again) like if I owned it, but really – $1200 a year on books is a lot.
  3. I love coffee. I drink at least 2 mugs (and real ones – 16 oz.) each day – one right when I get up and one for the commute to work. I will not sacrafice my shade-grown fair trade good stuff for some cheaper alternative. One – for the taste. Two – for the principle of the thing – buying organic, fair trade ensures living wages are paid to the farmers and that is something I believe in and will continue to support. Not to mention the negative ecological impacts of clear-cut coffee plantations (FOLGERS!). I try not to hug the trees too much, but in this case I would hug the coffee tree if I could. And really – that extra $2 per week is not gonna pay off $40K anytime soon, so we’ll stick with good coffee.
  4. I love Good Diapers bought with a Good Coupon. Well, actually I don’t love them, I just hate the alternative. Lil One’s rear-end requires the high-end purchase, so if I buy generic she is miserable with the rashes & chaffing. That then requires purchase of expensive baby diaper rash creams and so on. Yes, I’d save $10 per week on the diapers, but a tub of Dr. Smith’s would be $12 every other week, so there’s no real savings there (only $4 per week). And how could we put a price on discomfort for the Lil One? Buying the better diaper is the way to go for our family. That being said, we’re preparing to potty train this fall and these expenses could go away soon, adding $70/month back into our budget.
  5. I love good beer. No, not Miller Geniune Draft vs. Miller Lite. I mean flavorful, handcrafted beer with a significant hop profile. A balance of sweet malt to bitter hops. I mean a beer that follows the 4 ingredient rule of the Germans: Water, Barley, Hops and Yeast. NO rice, no wheat, no additives, no hops extract. So what is a family trying to cut our expenses – slashing and burning – going to do? DH learned how to make our own. Yes, we’re like moonshiners cookin’ up brew in the backyard. I may post another on this topic itself, as it is pretty interesting, but the short story: a 12-pack of Sierra Nevada Pale Ale is regularly $15 (grocery not discount store). And we could drink that within 2 days (no we’re not alcoholics, we just drink beer most days). That’s $3000/year on BEER after sales tax (8.25% in Texas). Or about $1.35 per beer.  So by buying the ingredients (and the equipment, which we got a great deal on) making it ourselves is less than $0.60 per serving – plus the purchase of the ingredients is TAX FREE because they are ingredients, not finished food products. So we don’t sacrafice our sophisticated beer palate AND we save upwards of $1500 per year! DH has perfected a California-style American Ale (Sierra Nevada Pale Ale Clone), a London-style Ale, an excellent porter – dark, balanced and yummy in the winter. These are our standard beers.

So what do you love that you think helps you save money or that you wouldn’t give up even for cost savings?

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