Frugal Tuesday: Shred It!

Paperwork is part of #adulting. Around this time of year, many of us find ourselves reviewing files, statements and receipts in preparation for tax time. Our organizing efforts are often accompanied by the discovery of papers we no longer need. If those papers contain private information such as social security numbers, account balances, medical information or other identifying data, there’s always the possibility of it falling into the wrong hands and being used to steal your identity.

If you’ve got a shredder of your own, the solution is easy enough: sit down and get shredding! Bonus points if you have a child old enough to operate the device safely… Kids love shredding!

But if you don’t have the space or money to get a device of your own, or if you find you have way more papers to dispose of than you have time to do yourself, try doing an Internet search for “Community Shred” in your city for the current year. Many communities and shredding companies offer events allowing you to drive through and drop off your boxes of paperwork which will  be shredded and recycled, boxes and all, for free or for very little money. If you’re in Austin, the next community shred event will be May 14, 2016 at the Austin Community College Highland Campus.

And who knows? Maybe when you’re finished with your shredding project, you can finally park your car in the garage, let go of your rented storage space, or rent out that extra bedroom!

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Frugal Tuesday: Learn a New Skill!

The Little Hippie House had a couple of mature loquat trees on it when we moved in, and we have since planted nine other fruit trees on the property. The rest of our trees won’t bear fruit for another couple of years, but the loquats have given me an opportunity to learn how to can my own food. A lifetime of apartment-dwelling had left me without this particular skill, and figuring there’s no time like the present, I jumped right in.

As it happens, loquat jam turns out to be one of the easiest things I could have chosen to start with: loquats are in the same family with apples and pears, and are naturally high in pectin. To make the jam, I literally only needed to add water and sugar and leave it all on the stove for a few hours before running the stick blender through it and pouring into sterilized jars to self-seal as it cooled down! As a bonus, the fruit turns a gorgeous crimson color when cooked, and it tastes like plums. Super-yum.

Not everyone needs to know how to can their own food, but like me, you might be curious about how to preserve food and to control what goes into the things you eat. Or you might have always wanted to learn to do your own oil changes, mend your own clothes, or cook a favorite meal that you usually eat out. Find something this week that you’ve been wanting to learn to do, for yourself and decide to learn it. Like my canning experiment, you might end up having a lot of fun and saving some money in the process!

What money-saving thing have you learned to do recently, or what do you want to learn? 

 

Frugal Tuesday: Check Unit Pricing!

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Bigger packages are often labeled as “Economy Size,” and while that’s usually true, it isn’t always the case. Around here, we’ve gotten very comfortable standing in the aisle at the grocery store, calculating prices per unit on our mobile phone calculators, to see that our hard-earned money is going as far as it possibly can. Sometimes, as in the photo above, the store is kind enough to do the math for us, but if they hadn’t, I would have been happy to take an extra moment to do it myself. By choosing the larger bottle of raw agave, I would have saved 41 cents over the same amount of product in two smaller bottles. And I could have kept another nickel in my pocket by choosing the lighter syrup. That might not seem like much, but we go through one large bottle a month at our house (What can I say? We like our coffee sweet!), so over the course of a year, that single choice would save us around five bucks. Multiply that sort of tiny savings by the number of items in your grocery cart each week (10? 25? 50?), and you might start to understand why small economies can matter so much. Simply paying attention to the unit price could save you hundreds of dollars a year!

I’ve recently started a grocery price book — actually a Google Drive spreadsheet– which helped me to recognize that the prices above, while better than our regular grocery store, are still much higher than what Costco charges for the same product under a different brand (Truthfully, I wasn’t even grocery shopping when I took the picture… I was picking up something else at a store we don’t frequent, so I snapped a couple pics of items we commonly purchase to compare prices later).

Finally, be careful to not be lulled into a false sense of security because you’re shopping at a “discount”or “dollar” store: Many years ago, my roommate at the time came home with a box of plain white envelopes from the dollar store, and I had coincidentally picked up the same exact box at the office supply for fifty cents. She was a much more careful shopper than I was back then, so we were both surprised at my accidental savings!

Does price per unit factor into your shopping practices? What surprises have you found?

 

Frugal Tuesday: Use Dried Beans!

Beans are cheap. Dried beans are cheaper. Like 70% cheaper than canned. And with none of the pesky BPA that lines many cans. Cooked beans can  also be frozen, to make them nearly as convenient as canned beans. If you’ve been putting off using dried beans because you always forget to soak them overnight, you’ll be glad to learn that that requirement has been debunked: you can start with dried beans right from the pantry and have a delicious finished product in 1-3 hours on the stove, depending on the variety. Which happens to be just about the amount of time needed to do a load or three of laundry, so it’s win-win. Or you can use your slow-cooker and come home from a long day’s work to a delicious dinner that’s crazy inexpensive

The Internet abounds with recipes for cooking dried beans, but this past weekend, I used this Tejano Pinto Bean recipe from The Food Charlatan. Actually, I adapted the recipe to use some of the stock I made from our Thanksgiving smoked turkey carcass, which made the beans smoky and awesome, and amazing on nachos!

Do you have a favorite dried bean recipe? Please share in the comments!

 

Can Two Live as Cheaply as One? An Update

IMG_0720About five months ago, Mr. Vega left his career in sales to become a full-time student. In addition to giving him an escape from burnout and a way to experience  himself and the world in completely different ways, it’s also given us a chance to see if we could really walk our financial talk. We’ve taken great pains over the years to design our life together so that we could manage on one income, but we never had to before.

A full-time position opened up unexpectedly at one of my part-time jobs, so I tossed my hat in the ring for it. I was a little surprised when I was offered the job, which meant taking a 17% cut in my hourly rate, but as with my previous full-time employment, we felt that the stability and benefits outweighed the slightly smaller paychecks.

Several months and a few sleepless nights later, it seems to be going well (except for the normal challenges I seem to experience with full-time work). We’ve reduced our spending and savings rate, averaging about $1300 a month less than we did in the six months prior to my husband leaving his job. We go out less than we used to, and we haven’t been clothes shopping in months, but that’s all right. Like most Americans, we have much more than we need.

Before starting school, Mr. Vega built a raised-bed garden, and screened in our back porch. There are also rain gutters in the garage, waiting to be installed, but whenever he’s been free to start the project, it’s rained! It turns out that being a full-time student is a full-time job, so he hasn’t had the time he hoped he might for projects around the house, but Spring Break just started, so those gutters might finally go up this week… if he’s not too busy partying with his new college friends!

We had a weeklong visit from my husband’s parents over the holidays, and we let them know ahead of time that we wouldn’t be exchanging gifts…. honestly, I think they were relieved! Our holidays were filled with food, laughter, and inexpensive sightseeing around town, so we didn’t miss spending lots of money.

Although we’ve had to reduce our savings rate, we are still managing to contribute 10% of our take-home pay to our emergency fund, which is more important than ever now that we no longer have the luxury of two incomes. Currently, we have enough to go about five months with no income at all, but I’d like to grow that to a year’s worth. We have never had to use our emergency fund, and if that trend holds, when my husband finishes school and returns to work, we would be able to reduce the emergency fund again and have our bathroom professionally remodeled… and maybe take a long weekend away!

So far, it’s all pretty okay. I guess all the work we had done to live beneath our means is paying off… literally!

Have you ever had to– or chosen to– live on a much smaller income than you were accustomed to? How did you handle it?

 

Yard Day

Mr. Vega and I are the type of people who are happy to show up and help our friends with their projects, but for some reason, I’ve always been reticent to ask for help. All that changed this weekend, when I sent a few text messages to some of our friends “Y’all feel like coming over to get a little dirty? Weeding & planting, would love some company! Snacks & cold beverages aplenty!”

A few friends took us up on it, and were happy to spend a weekend day helping us accomplish nearly everything on our list. I’ve heard it said that the way to make a friend is by letting someone do you a favor, and if that’s true, then we’ve got some friends for life, now! Having six people working meant that we could accomplish in one day what would have taken the pair of us three days or more. It was wonderful to see the place improve so dramatically in such a short time!

Community-building is one of the guiding principles at the Little Hippie House. It’s important to us that our home be a welcoming place for friends and family, and we know from experience that helping to create and maintain a space provides a sense of ownership to the people who do it. We want our loved ones to genuinely feel like our home is their home, as well… City life is very isolating, and we’re doing our best to change that for ourselves and for our friends.

We’re looking forward to many more weekends spent working alongside our friends, both on our projects and on theirs. It’s the same amount of work, and it needs to get done no matter how many people do it, but there’s just something wonderful–and much more fun!– about coming together to get things done.

What community projects have you participated in lately? How did you like it?

 

 

 

Frugal Tuesday: Celebrate at Home

Mr. Vega and I celebrated our first official anniversary yesterday, having married on last Leap Year on February 29. We had high hopes for an exotic weekend away to celebrate this special day, but we couldn’t have predicted that our fourth/first anniversary would find him in school full-time, and me at a new job with no time off accrued.

Taking a page (literally!) from Gretchen Rubin‘s book, I arose earlier than usual to try my hand at my husband’s favorite breakfast: Eggs Benedict. Not only did Alton Brown’s recipe turn out beautifully in our little hippie kitchen, but Mr. Vega was sufficiently surprised and delighted that the day felt like a success despite our disappointment at not being able to make a bigger deal out of it.

I snagged some opening-weekend tickets to Batman v Superman at our favorite movie theater, and returned home at the end of the day to discover he had surprised me with a potted mini calla lily (my wedding bouquet was made entirely of those flowers!), and a very frugal but also meaningful-to-me gift.

Maybe for our second– or is it eighth?– anniversary, we’ll be able to pull out all the stops, but for now, learning to be happy with whatever life brings us helps us enjoy our special days no matter what our external circumstances are like. And that, more than having tons of money or time to blow, makes us feel richer than anything.