Linda isn’t going to continue doing private practice, so I am now subletting from another colleague. Today is my first day there. I’m also working 4 day weeks at my regular job and doing private clients on Fridays instead of Tues. nights and Saturdays.
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Getting Thrifty
Things have been rough all over lately. The economic downturn is a global event, which has affected all of us to some degree. This month’s topic is about the struggling economy, and how it relates to you and your life.
How has the economic downturn affected you personally? What changes have you made in your life to save money, pinch pennies, stretch your dollars? What thrifty tips can you share (places to shop, coupons to use, places to eat, etc.)?
Your entries can be funny or serious, poetry or prose. The topic is a wide one and the blogs will be as varied as the individuals posting them.
Back to the “Getting Thrifty” writing prompt on Featured GrownupsI personally must admit to never even looking at prices at the grocery store. I just buy what I want and hope I can pay for it. I waited a long time to respond to this blog topic, but now it’s occuring to me that it’s a bit of a challenge. So rather than blog about what I have done or suggest, I decided to do a search for recommendations across the web and see if there are ideas that inspire me.
As a tangent, while I am not frugal at the grocery store, I never or rarely buy clothes or shoes full price and I love used clothing stores and garage sales. I love old navy sales online. And I often buy shoes at Payless. I like to have shoes for many outfits and I’m not going to use them a lot so cheaper is ok. I spend more on a few pairs that will get more wear. I also do buy at Walmart, which I’m not proud of (but I live in a small town with not a lot of choices locally). But I also like websites, like etsy.com, which offer jewelry and other hand-crafted items that are usually one of a kinds and reasonably priced.I also believe in spending locally when possible. We have a local barter program:
Budgets are Sexy: Wants vs. Needs: What’s the difference?
A personal finance blog of a 20 something soon-to-be millionaire
Oh, and I attended Debtor’s Anonymous in the past, where you learn: a) keep track of all your spending and have a plan for it and b) prioritize your spending categories, with spirituality first and savings (paying yourself) second at the top of the list.
Debtors Anonymous – Recovery from Compulsive Debt
Debtors Anonymous Website: Debtors Anonymous is a twelve step fellowship for debtors trying to recover from money problems and compulsive debt.Links:
The Thrifty Mama: Natural & Thrifty
I post grocery store, other store and online deals every week. I also share tips and tricks to living thrifty and natural.Thrifty Tips to Reduce Your Heating Bill This Winter – Part 3
Thrifty FunThriftyFun – a frugal living and gardening community. ThriftyFun is a site where regular folks can sha
re their knowledge and ideas.My Frugal Life: Ways To Save Here are some frugal ideas, we use in our home. Always buy used when we can. We visit many garage sales, thrift shops and online resources like eBay.Frugal Village- What is Frugal Living?
- Top 10 Ways to Start Living Frugally
- How to Create a Frugal Budget
- Easy Ways to Save on Household Expenses
- How to Get Rid of Credit Card Debt
- Frugal Living 101
- Money Management
- Household Savings
- Food Savings
- Bargain Shopping
- Clothing
- Beauty & Health Care
- Special Occasions
- Frugal Fun
- Do-It-Yourself
- Affordable Transportation
- Frugal Family
- Frugal Seniors
Sara Noel knows that being frugal doesn’t mean you have to settle. Her syndicated Frugal Living column – available five times per week through United Media’s Newspaper Enterprise Association - emphasizes simplicity, family values and eco-frugality. From cutting down the food bill to finding alternative uses for everyday items, Frugal Living examines smart, easy ways to save money.How to Save Money – wikiHow
- Set savings goals.
- Establish a timeframe. For example: “I want to be able to buy a house two years from today.”
- Figure out how much you’ll have to save per week, per month, or per paycheck to attain each of your savings goals.
- Keep a record of your expenses.
- Trim your expenses.
- Can you move to a less expensive apartment or house? Can you refinance your mortgage?
- Can you consolidate your debts so that you’re not paying as much interest?
- Can you save money on gas, or give up a car altogether? If your family has multiple cars, can you bring it down to one?
- Can you get a better price on insurance? Call around and make sure you are getting the best price you can. Consider taking a higher deductible, too.
- Can you drop a land line and either only use your cell phone or save money by calling over the internet for free with services such as Skype?
- Can you live without cable or satellite TV?
- Can you cut down on your utility bills?
- Can you restrict eating out? Buy food in bulk? Start using coupons? Cook more at home? You might be able to save a lot of money on food.
- Reassess your savings goals.
- Make a budget.
- Stop using credit cards. Pay for everything with cash or money orders. Don’t even use checks.
- Open an interest-bearing savings account.
- Know where your money is.
- Pay yourself first. Savings should be your priority
Save Money on Practically Everything – Kiplinger.com
Want to save a buck? How about a few hundred or a couple thousand?
We took a look at eight spending categories in your budget, for example:Save Money on Food
Satisfy the hunger without starving your wallet. Here are ten ways to save money on groceries and dining out.How I save money ZenHabits
A woman’s tips and estimated cost savings.Similar posts elsewhere:
- Neat Living: 25 Ways I Save Money
- The Good Human: 25 Ways to Save Money – the Small Things Add Up!
- Getting to Enough: 25 Ways I Save Money
- Frugal Bastard: 25 Ways I Save Money
- The Finance Journey: 25 Ways I save Money
- A Path to Simplicity: 25 Different Ways to Save Money
* How To Save Money – The 1001 List Of Money Saving Tips And IdeasGet Free Stuff Online! Sites That Offer Freebies, Product Samples, Coupons
1. Volition.com
Volition is the original freebie website started by Ray Sola over a decade ago. Besides listing the best freebies on the web, Volition also tells you about point earning opportunities, survey links and various business enterprises. Check out the “Stuff I Found” forum to get the latest and greatest free offers around. Volition is the most comprehensive freebie and work-at-home website on the Internet today.
2. MomsView.com
MomsView offers a variety of links to free merchandise, online coupons and printable coupons. Yes, it’s another big coupon site. Before you shop or take the family out to eat, check out this site to find the most recent coupons. There are also forums for moms to connect with each other about a variety of family-related topics.
3. Fatwallet
FatWallet offers cash back for registered users who purchase goods and services through their website. They also have cool forums where you can gather coupon codes and links without having to become a member of the site. Before I shop at my favorite merchants, I make it a habit to check out the discussions and threads on Fat Wallet that pertain to coupons.
4. StartSampling
This site sends you free samples of new products to try out and critique. You’ll need to register with them and as a member, you’re required to fill out some profile information. Each day, you can request to receive new samples that are recommended for you to use and try out based on the profile you’ve entered. I’m actually a long-time member of this site, having signed up with them around seven years ago, so you can imagine the countless products I’ve already received from them.
5. BzzAgent
BzzAgent is a word-of-mouth promotional website. When you sign up as a Bzz Agent, you’ll receive free products and coupons. The point is for you to spread the word about new goods and services that you’re able to try out for free. Hence, you’re encouraged to “share the Bzz” with others, or report about the products and items that you sample.
Once your Bzz (i.e. your opinions and views about what you’ve sampled) at the site gets reviewed and approved for others to see, you’ll then earn points at another site called MyPoints. It’s quite the perfect combination where you can “double your rewards” and “kill two birds with one stone”, so to speak, because you’re able to get free stuff at BzzAgent to sample, plus you’re also able to “earn” free gift certificates at MyPoints by simply sharing and talking about the free goodies you’ve tried out at BzzAgent.
6. FreeCycle
When you’re house cleaning and come across things you no longer need, there are places for your stuff to go besides the recycling bin. We’ve written about how to cash in on clutter and how to sell used items; we’ve also covered some great places to earn and save money on used items.
But here’s another alternative: FreeCycle is a grassroots website where you can offer your own stuff for free to other members of the site, while you shop around for free items that you need. It functions like a bartering system and works by having you list your items on the site while allowing you access to things being offered by other people. It’s a great place to unload some of the possessions you no longer need. It’s reassuring to know that items that are still in decent shape will be put to good use by someone else who needs them. It also saves me money on disposal costs!
My local freecycle:
http://groups.yahoo.com/group/gorgefreecycle/
7. JustFreeStuff.com
JustFreeStuff is exactly what the name implies. Organized into categories, the site lists a variety of freebies for all your needs and requirements. Their site is a directory that contains links to other sites that offer the freebies — from magazines, coupons, contests you join to win something, and so forth. But something about the site bugs me: I don’t really like how they present their information, particularly the hard-to-read fonts they use for their content. I wish they’d quit trying to make their directory information blend in too much with their Adsense ads.
8. HouseParty
HouseParty is a fun website where you can apply to host actual promotional house parties featuring certain products, goods or services (similar to Tupperware parties). I’ve already hosted several house parties and have happily received awesome merchandise including Barbie toys, DVDs, glassware, electronics and household appliances. Besides scoring incredible freebies, HouseParty sends decorations, napkins and other essential items for your gathering so you can have a great excuse to party. More details in this post on how to earn money online.
9. TeenFreeway
This site is designed for teens and students in mind, but many of the freebies are useful for everyone. From magazine subscriptions to samples of the latest cosmetics, there are a wealth of items to choose from at this site.
Financial Literacy
Financial literacy is the ability to understand finance. Raising interest in personal finance is now a focus of state-run programs in countries including Australia, Japan, the United States and the UK.[1
www.360financialliteracy.org
Consumers can find information to help them make sound financial decisions at every stage of their lives, from childhood to retirement.
The JumpStart Coalition for Personal Financial Literacy
The Jump$tart Coalition for Personal Financial Literacy seeks to improve the personal financial literacy of young adults.
What I’m personally going to change:
- Gonna learn to cook (a little, since I do live with a chef), so we can make more of our meals, including lunches. Saves money on fast food and restaurant lunches.
- Going vegetarian saves money on meat. Also contributes to saving the environment.
- We need to buy our own expresso machine; Greg shoots wads o’ cash at Dutch Bros, and the like.
- We also need to buy our water by the case and on sale and stop buying those Vitamin waters (and I should stop drinking diet pepsi, or at least buy a knock off brand in bulk and on sale).
- I should try to get cheaper car insurance.
- I can cut Greg’s hair and probably teach him to trim mine.
- Make sure we start putting money regularly into savings.
- We are using a budget, but it’s time to track our spending categories and also use cash instead of debit cards.
- We need to learn to change our own oil on the cars.
- Cut down on impulse buying by making a spending plan.
- I also love to recycle and re-do used clothing.
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Tips from PETA on going Veggie
We have thousands of delicious recipes searchable by meal category and type of cuisine. Here are some of our favorites! (Click on the links below to read more.) (Click on each tip below to read more.) -
Veggie Grill

BBQ Chipotle Chickin’ (Gardein product) sandwich with sweet potato fries. -
people watching

I am a social scientist at heart, and by training. I’ve been hanging around this produce trade show, watching a different sort of person. It’s business. “We have the best strawberry! Here try it with chocolate on it.” “We have pistachios in a bag.” “We make bags for your product.” You see small groups of people with the show badges and matching outfits milling about. Then you see women in little outfits trying to attract men to their booths. It’s a conservative, toned down circus side show. And I guess I never realized that our vegetables and fruit are such big biz. “Apples year round” have to come from somewhere.I am also very visual. I not only notice the coordinating costumes different business groups are wearing, but they are from all over the world, and so I notice their ethnicity, their general style, their aura or demeanor, small items like shapes of noses and plasticity emanating from their eyes. A few folks here and there are dressed more casually or individually expressive, but they stand out like sore thumbs a bit. I saw a very italian looking man that could have been Greg’s father, tho he was Greek and Hungarian. Greg has been looking like Cary Grant to me lately, with his new haircut.
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Getting Things Done

See details-Zip File The Complete Set of David Allen’s Free Articles
Item #: 60617Every free article in the David Allen store zipped for your convenience. NOTE-Occasionally a zip file will be blocked by your internet provider, if that is the case you will need to order each article individually. This is a convenient option for folks that can receive them. A link to dow…
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blog face
I can’t seem to find a theme I’m happy with… also there’s something wrong with my side modules, they’re all at the bottom.
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5 reasons to be vegan
No, I’m not vegan…. yet. But currently I am a “flexitarian” and approaching conversion.
Also:
There are many reasons to go vegetarian if you care about the environment! Here are just a few:
Fossil Fuels
Forest and Rainforest Depletion in the Americas
Water Pollution, Water Usage and the Destruction of the Ocean
The Many Reasons to be a Vegetarian
- The Ethics reason
- The Environmental reason
- The Economics reason
- The Karmic Consequences reason
- The Health reason
- The Spiritual consciousness reason
Nothing will benefit human health and increase chances for survival of life on Earth as much as the evolution to a vegetarian diet. ~Albert Einstein
Vegetarian Weight Loss Plan
Becoming a vegetarian doesn’t automatically mean that you’ll lose weight. Big helpings of high-fat protein sources (think cheese and peanut butter) can actually cause vegetarians to gain weight. The solution? Follow our healthy Vegetarian Weight Loss Plan, and you’ll not only lose weight, you’ll boost your overall health at the same time.
We’ve divided up meal ideas into three basic categories: On the Run, Family Friendly and Cheap and Easy. Stick with one theme or mix and match these meals to suit your lifestyle. For example, you may choose an On the Run breakfast while you’re driving to work, grab a Cheap and Easy lunch, and then prepare a Family Friendly dinner. Add snacks between meals if you’re hungry or need more energy to keep up with your exercise routine. Breakfasts have 350 to 450 calories, lunches and dinners have 400 to 500 calories, and snacks have 100 to 200 calories.
More Vegetarian Weight Loss:
Chef Tal Ronnen
Founder and Chef the Veg Advantage
http://www.vegadvantage.com/Tal started the Veg Advantage program in 2004 to help food-service operators integrate vegetarian options into their daily operations. Tal is a graduate of the Natural Gourmet Cookery School and has many years of food-service experience working with manufactures, distributors, and operators. Tal has done cooking demonstrations on numerous morning TV programs and has provided master vegetarian workshops for students and staff at Le Cordon Bleu College of Culinary Arts in Atlanta.









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