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10 tips for keeping summer cooling costs down

June 29, 2012 by Jana 6 Comments

Cool doggie. Okay, not exactly the kind of cool we’re talking about but still…cute, right? Also, I don’t know why it’s sideways. And I can’t fix it.

I don’t know where you live, but where I live, it is hot. Like really hot. Almost unbearably hot. So hot that my child who never naps got so worn out from the heat, she napped for 2 hours (which was nice because I also got a nap. But I digress).  It pretty much sucks.

What also sucks is the fact that in the summer, my electric bill goes up. Of course we do everything possible to keep the rates down: programmable thermostats, running appliances at night, using the grill instead of the ov…

I’m sorry. I fell asleep in the middle of my own sentence because it was so boring. We all know this shit. And I just can’t rehash the same information we’ve all been reading for years. You’d hate me and then stop reading and then I’d be sad and lonely. But fortunately, the king of dumpster divers is also a certified energy auditor and has worked in the energy and environmental field pretty much as long as I’ve known him (almost 16 years). Since I run a finance site and my readers like to, on occasion, save money, I talked him into sharing some unconventional or uncommon ways to save money on your electric bill (warning: some of you may know these tips. I commend you for that. Because I? Did not. I mean, why bother? That’s what I have him for).

So here we go. My husband’s Top 10 Unconventional Ways to Keep Your Summer Cooling Costs Affordable (and Other Random Tips):

[Read more…]

Filed Under: Money, money tips, savings

My husband: King of the dumpster divers

June 15, 2012 by Jana 11 Comments

A few weeks ago, my husband scored us free rocks. It was pretty unbelievable that he was able to do that because, as I’ve learned, decorative garden rocks can get to be quite pricey. Who knew?

Anyway, since then, I’ve really started to notice how much free stuff my husband comes home with. It’s quite fascinating and honestly, kind of fun because I never know what kind of reject is going to wind up salvaged and functioning in my home. Here’s a sampling:

  • Wall art. A neighbor of ours was moving out of his house and was getting ready to throw out a fairly nice, rather large framed black and white photograph. My husband noticed it and asked if he could have it. The neighbor said sure and now, that picture hangs on the wall of our den.
  • A lawnmower. My husband works for a very small private company that’s in the middle of renovating their entire office building. As my husband in responsible for overseeing a large part of the renovations, he had cause to canvass the grounds. While doing so, he noticed 3 lawnmowers. He then asked his boss if he could have one of the lawnmowers. To which his boss replied “Take all 3. I just want them gone”. We now have a new to us lawnmower (which is great because ours was quite sickly) and my husband is thinking about selling the other two.
  • A 24” television. So it’s not the biggest TV on the block. But it works for our bedroom. This was another reject from my husband’s work. When the company replaced my husband’s monitor, they told him he could take the old one, which, conveniently also functions as a television. Since the current one is my grandparents’ old television, built circa 1982, it was time for an upgrade. We didn’t want to pay for a new TV since the ancient one still works but when a free replacement falls into your lap, it’s hard to say no.
  • Food. The amount of free food that my husband comes home with is ridiculous. I’m not just talking a few pieces of cake here and there. I’m talking wraps, pizza, crab balls, chicken, sandwiches…in fact, last week he came home with so much food I didn’t have to cook for 2 days. It was really nice for our food budget and honestly? The break from cooking and meal planning was outstanding. (Oh, yeah. This food came from his work as well. I don’t know what goes on at that place but I am so glad he works there.)
  • A Barbie doll. Like most 5 year old girls, my daughter is obsessed with Barbie. In fact, Barbie has taken over my house with her clothes and car and house and accessories and whatever the hell else is attached to those dolls. I had declared a moratorium on new Barbie dolls until…we were walking the dogs and my husband, expert dumpster diver that he is, noticed a brand new, unopened Barbie doll in the idiot’s trash. So he took it out. And my daughter is as happy as can be with her salvaged Barbie doll.
And while this isn’t exactly dumpster diving, my husband did manage to get our sidewalk fixed for free, paid for by one of our state representative’s offices. I’m not sure what he said or who he talked to and, although it took 8 months, we didn’t have to pay a dime. And now my sidewalk has no cracks in it. If only they’d come and get the orange barrels…

 
Anyway…I’d say overall, my husband saved us around $1000 last week just by rescuing what other’s perceived as garbage. I’m not going to lie to you; this is kind of a hard thing for me to accept. I’m not used to literally taking things out of the trash (except for the food. That was never actually in the trash) and then putting them to use. But I guess the point is if I don’t tell you it had a date with the trash heap, you’d probably never know.

And quite frankly, I’m glad I didn’t have to fork over money for a lawnmower. Those things are expensive pains in the ass.

Filed Under: Family matters, Money, savings

Student loans in real terms: An infographic

June 13, 2012 by Jana 12 Comments

A few weeks ago, relatives came to my husband, asking questions about how to pay for college. Without getting into specifics, let’s just say that they are in shock with the the cost of sending their child to college and they’re pretty overwhelmed at handling it all. While there are plenty of options, none of them are too desirable, particularly the one where the college bound student needs to take out loans. After all, my husband and I are well versed in the horror of student loans and we are none to pleased at the thought of someone else having to shoulder that burden.

If he had know what he was in store for, I’m fairly confident in saying that my husband would have taken a different route when it came to paying for college (and grad school. But that’s a different story). What that route is, I don’t know but it definitely would have been different. And involved us not paying on his loans 12 years after he graduated.

When we think about all we could have done had we not been paying that money back, we both get a little sick. We just consider it a blessing that I did not graduate from college or grad school with any student loan debt. Because then? We’d probably be really, really screwed.

My friends at NerdWallet have put together an infographic detailing student loans in real terms. Have a look:

Understanding Student Loans in Real Terms

Via: NerdWallet

Filed Under: Guest posts, Money, school

No-hit your debt

June 4, 2012 by Jana 4 Comments

For those of you who don’t know, I am a huge New York Mets fan. I’ve bled orange and blue since 1986 when I was 9 years old and the Mets won the World Series. At that age, it was hard not to get swept up in “Let’s Go Mets!” fever and it just stuck. Better than another disease, I suppose.

As a Mets fan, I’m well versed in lots of emotions: horror, shock, disappointment, anger, and shame. There was one year the Mets were so awful, I wanted them to keep losing just so they could be the worst ever. I mean, if we’re going to suck, might as well do it the best we can (insert dirty joke here. I could not think of another way to say that. Fine. I didn’t want to). But this past Friday, I experienced an emotion that has become a rare commodity for Mets fans: pride.

That’s right. Pride. Why? Because on June 1, 2012, the Mets finally accomplished something that had been eluding them for the 50 years of the teams’ existence. A no-hitter. It was a beautiful thing.

I didn’t actually see the game but thanks to my Mets app and the live in-game Twitter updates, I was able to follow along. It kind of felt like I was there. It didn’t matter, though. On Saturday, Mets fans all over the world walked a little taller and held theirnheadds a little higher because of 134 pitches thrown by Johan Santana, 8 runs scored, and some pretty kick ass defensive work by the rest of the team. Including me. I proudly wore my Mets shirt on Saturday, incurring some wrath of the Phillies fan who are present in abundance where I live. Then again, I’ve never cared much about being popular so the part with the Phillies fans didn’t bother me at all.

Anyway, the point is this: they did it. The Mets finally have a no hitter. And the momentum that’s picked up as a result is unbelievable to watch. Kind of like what happens when you finally pay off that one debt that kills your soul more than the rest.

When you first set out to pay off your debt, it seems insurmountable. The sheer number of bills, debts and expenses is overwhelming and exhausting. You break it down into smaller bites just for it to seem manageable (for me, I used the Dave Ramsey snowball method to do that), and you work to eliminate one at a time. But even with that, there’s still that one that stands out, like a red flag for a bull, taunting you, harassing you, doing whatever it can to make you its bitch. No matter how hard you work, that debt never seems to move in the right direction. I know because I’ve been there.

For me, that debt was my home equity loan. In one of a series of stupid financial mistakes, my husband and I took out a home equity loan to help pay down some old debt (for the record, I do not advocate this). Like any good, practical people, we incurred more debt after we took out the loan and those later debts were the ones that we paid off first. But that home equity loan just stood there, every month, making us feel like no matter how hard we tried, no matter what we did, it wasn’t going to go anywhere. It was right, too. Whenever we felt like we were in a position to pay it off, something would happen and we’d need that money for something else. We’d get thisclose and then…nothing. It seemed like paying it off was never going to happen. Kind of like the Mets and the no-hitter.

Then, one day, it all clicked. We were finally able to get it all paid off. And once that happened, everything else just fell into place. The freedom that came with eliminating that debt made us feel like it was finally possible to live a debt free life, even though we still had more to pay. But conquering that hurdle was exactly what we needed to keep going.

I wish there was a magic formula to give for making that happen. Unfortunately there’s not. All I can tell you is this: just keep working hard. Surround yourself with people who support and encourage you even when it gets difficult (Mets fans are excellent in this capacity). Tell yourself that one day, it will happen. Be patient. And never, ever give up.

If the Mets can get a no-hitter and the Red Sox can win a World Series, you can pay off debt.

 

Filed Under: beginnings, Money, Money Motivation

No spend summary OR Where the f@ck did May go?

June 1, 2012 by Jana 7 Comments

At the beginning of the month, I issued a challenge to myself not to spend any unplanned money. I did it as a way to get my frivolous spending back in check, be more mindful of what I was spending my money on and as a way to gain some small bit of control over my life. Nothing too crazy. And it worked too.

I’m pleased to say that overall, I accomplished my goals. I definitely have a better handle on my spending, and I’m proud to say that I spent onky $10 that was unplanned. I bought myself lunch one day and then I bought my daughter and I drinks from Starbucks (iced green tea for me, milk for her). That was it. When I needed to, I found items in the dark recesses of my closets or pantry that I had forgotten about. Some days, that prevented me from having to buy anything. It’s pretty amazing what you can find to eat, wear, do, etc. when you’re actively avoiding spending money. (Let’s also say that my love of Pandora radio has increased exponentially this month. I heart that app.)

That’s not to say I went through the entire month without spending any money. That would be almost impossible. I’ll answer the question I know you’re dying to ask–what did I buy? To start, I did buy a few apps for my iPad and a few new songs but since I had the iTunes gift card, that was no money out of my pocket. I bought some shorts and t-shirts but that was kept to the clothing budget. As far as my weakness areas, bought exactly zero books for myself (though I did get quite a few from the library) and zero makeup or nail polish (although I did get a pedicure that had been budgeted for prior to this little experiment).

I also spent some money on website stuff. Not Daily Money Shot but on two other projects I’m working on. I had Andrea from Nuts and Bolts Media design one site and she and I are working together to design the second one. I’m not quite ready to share the details of them yet but let’s just say the former is nothing like anything I’ve ever done before and the latter is going to be a compilation of all the sites I’ve started over the years, along with some fresh, new material. I need an outlet to talk about other things besides money and these sites should accomplish that.

I think that’s pretty much it. I didn’t go out a whole lot this month, except to the SITS Girls Bloggy Boot Camp (paid for months ago) and to Annapolis to meet one of my blogging heroes, The Bloggess (the event was free!) so that helped. It’s easy not to spend money when you don’t go anywhere. I’ve also noticed that, since I’ve been home, it’s easy to avoid the temptation to purchase unnecessary crap. Sure it’s fun to browse different websites and look at all kinds of fun stuff to buy, but since my computer and my wallet are in different prts of the house, and I’m typically too lazy to walk downstairs (hell, half the time I’m too lazy to walk 6 feet to the bathroom until I absolutely have to), I don’t buy what I see. Then when my wallet and computer are in the same room, I can’t remember what I as looking at (I don’t bookmark things that I want). So it’s a win-win.

I’m glad that I did this. I’m much more mindful of my money and I’ve found so much stuff I forgot I had, it’s like I went on a shopping spree. But I just have one question–what the hell happened to May? How is it over already?

 

Filed Under: Money, work

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Jana

I'm Jana ...

A book reading, nail polish wearing, binge watching, music loving, dog owning, reluctant cheer mom.
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