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‘Thrifty Tips’ Category

  1. Trader Joe’s

    November 25, 2012 by admin

    We don’t always head out on a jaunt with a picnic packed.  And we may not have the desire, or the funds, to eat at a sit down restaurant.  When out and about on an explore that will require a meal on the road, we highly recommend that you consider Trader Joe’s (TJ’s).  They have numerous locations across the States.

    Tip:  All stores have a clean customer bathroom which is a huge bonus to factor into any family stop.  And in the back of most TJ’s, you’ll find a free sample station, which is always a welcome sight for hungry travelers.

    TJ’s has a well-stocked, prepared cold food section that offers up items ranging from 6-piece sushi to giant falafel sandwiches all priced right around $3.99.  Recently, our family stopped in to satisfy our lunch needs and we managed to feed our brood of 4 for $10.79.  This price included a half gallon of high fructose corn syrup free chocolate milk!  It’s a quick in and out to grab food to eat in the car, or to pick up supplies for an impromptu picnic.  The wide range of ready-to-eat sandwiches and salads, fresh fruit, and snacks means there’s always something for everyone in the family at a far cheaper price than any restaurant.  It’s far healthier, too!

    We are curious if our experiences at TJ’s could be duplicated within a large supermarket.  Our local Hyvee has quite a selection of hot and cold prepared meals.  But we’ve yet to test the supermarket waters for lunches while on the road.  The vegetarian options and the low price point that can be found in a TJ’s is going to be pretty hard to beat!

    What are your out and about meal tips?


  2. College and Retirement

    November 17, 2012 by admin

    The other day, a fellow employee was shocked that someone could approach retirement with just $75,000 stashed away.  S/He questioned why anyone would choose not to utilize a company’s 401K plan to the fullest.  We TR parents will be lucky if we get to retirement age with anywhere near $75,000 in our 401k.

    A sizeable savings, when you live pay check to pay check, is an incredibly hard thing to accomplish.

    And it is something that presses on us.  We have 3 kids that will aim for college, one within the next few years.  There is little college savings for them to draw upon.  And although we participate in a 401K, it isn’t at the level that affords a company match.  We need 99.9% of our paycheck to survive now. So our 401k is a slow crawl to saving for eventual retirement, which will probably occur well beyond the age that most people stop working.  And our kids will have to confront student loans, or scholarships if they’re lucky, to pay for college.

    Tip:  Make savings automatic by setting up a recurring pull, of even a very small amount, from your paycheck.

    We do manage to snip off around $30 from each paycheck to put into savings.  But it never stays there very long.  There is always an emergency to handle that requires a pull from savings:  a car repair, a surprise cavity at a dental check, or a school trip.  But we continue to make the effort.

    Pulling from savings is a better move than using a credit card for an ’emergency.’  We hope that eventually our small savings will grow to become something of use to us later.

    What are your tricks or tips for saving money?


  3. You Spin Me Right Round

    October 25, 2012 by admin

    If you’re like us, you love music.  One of our great secrets is www.spinner.com.  A fabulous source of music news and free mp3s.

    Spinner definitely focuses on the indie/alternative end of the music spectrum, which is just great for our punky, twee-girl loving family.  We grew up straining to bring in WLIR on our New Jersey radios, so Spinner is right up our alley.

    Tip: Don’t confuse Spinner with SPIN Magazine.  Although the names are similar, Spinner is your go-to for up-and-coming bands.  SPIN will keep you updated on the more corporate end of the music spectrum.

    Unlike some other big music websites, Spinner doesn’t hide its mp3 collection.  In plain sight, at the top of the main page, you’ll see the ‘MP3 of the Day’ link.

    Click on the mp3 link and you’ll get to not just the latest mp3, but a backwards rolling collection of months and months of free mp3s.  Spinner offers advice on what each band ‘sounds’ like, or is related to.  But you don’t have to take Spinner’s word for it.  You can listen to every song before you download it, if you like.  Or just grab them all and see which ones resonate for you.

    These are not bands you’ll hear very often on the radio (unless you have a good college station nearby.)

    While you are grabbing all those free mp3’s, check out the rest of Spinner’s extensive website.  You can stream full albums by tons of artists, read about strange music legends, and scan the Spinner “Top Songs” lists.  Catch up on your music news and tour info, or even listen to Spinner Radio.

    Search through the site and report your favorite finds back to us.  Right now, we’re off to check their list of the best sad songs.


  4. Believe In The Freedom Of Music

    October 1, 2012 by admin

    You may feel that you get enough junk in your email account- do you really want to subscribe to even more newsletters?  We find that some of them are totally worth it.  The following collection of music newsletters will provide you with updates on the current scene, but more to the point, they usually include some free mp3s.

    These are Free mp3s, not sketchy illegal downloads.

    Spin.com:  Spin will sometimes send you several newsletters a week, and about once a month they attach a link or promo code to download some current tunes from current bands.

    AllScandanavia:  As we’ve mentioned previously, allscandnavia.com does a pretty good job of keeping you up to speed on musical movements in the northlands.  And their website carries the MusicAlliance mp3 files.  But their weekly newsletter is also worth getting.  It features links to ten or more bands from the north and typically, about half of those have downloads attached.

    About.com: Punk:  We subscribe to several newsletters from about.com, but the Punk page, run by Ryan Cooper posts the most frequent free downloads, usually several a week.  It’s a simple way to keep up with the punk scene.

    Spinner: Unrelated to Spin, Spinner offers a free mp3 of the day and a look into the indie music scene.  Many of the featured artists are unsigned, self-signed, or on small labels. But you’ll find bands you’ve heard of, as well as new treasures, by following their newsletter and picking up a few new songs a week.


  5. Cash Out The Joy Money

    September 17, 2012 by admin

    Part of our continuing series on worry-free cash management.

    We live by a budget.  We would spin into financial chaos without meticulous planning.  We know- we’ve been there.  Keeping to a budget is the ONLY way we can afford to live on essentially one income.  We build our budget carefully and factor everything into our calculations:  groceries, gas, rent, utilities, swim lessons, recreation, etc.  As a result, we rarely use credit cards for anything beyond true emergencies.

    Even with this insanely tight planning, we found our weekend expenses hard to track.  In these days of electronic banking, it can be easy to think you have more money that you actually hold.  We’d find ourselves in a tight spot on a non payday week having overspent the previous weekend.  And we’d argue over how it happened.  We just couldn’t accurately account for our debit card purchases.

    The solution was simple, though hard to circle around to since we’d become so dependent on our debit cards:  CASH.  It seems old school in this day and age to use cash for purchases.  But it is the only thing that works for us.

    We budget for $50 of free spending on the weekends.  This means that anything beyond gas that is purchased on the weekend must come from the $50.  If you want an ice cream cone or a pair of socks, it is out of the $50.  When that money is gone, the free for all is over for the weekend.  Anything that isn’t spent just carries over into the following weekend.  Or it can be used for emergency fun during the week.

    Our family of 4 does just fine on our allotted $50.  In fact, most weekends we have about $10 left over.  And we aren’t sitting at home.  We’re eating ice cream, travelling to our favorite places (like the Milwaukee Public Museum), and shopping.  Most importantly, we’re now functioning within our budget and not fighting over where the money went come Monday.

    It works great for kids too- nothing can better teach them the value of their money.

    If you’ve struggled to keep your recreational spending in check, we suggest you go a cash route.  Or if you’ve developed a different method to keep your budget in order, we’d love to hear what it is.


  6. Let It Rot

    September 1, 2012 by admin

    If you have even the tiniest bit of green space, we highly recommend you compost.  Composting is a great way to: 1.) reduce the amount of trash you generate, 2.) teach your family about the cycles of nature, and 3.) create fabulous, nutritious fertilizer for a garden.

    We finally have some yard space after our move this summer, so we figured it was high time we got back into composting.  When we lived in New England and had a larger, wilder yard, we composted in the heap method since space wasn’t an issue.  In our current, more urban setting, we knew we needed to make a proper bin.

    We decided to take our composting a step further this time and tackle the project of creating our own compost bin from recycled materials.  We found 3 wooden dresser drawers on the side of the road.  Their framing is a decent, solid wood.  But the bottom pieces of the drawers are flimsy ply.  This design would work perfectly for our project!

    We easily kicked out the bottom of the drawers.  After a cheap pick up of some wire mesh, we attached the mesh to the bottoms of the drawers with staple nails.  Then we added  handles to the ends of each drawer.  This will allow us to sift the compost and rearrange the drawers to allow maximum air flow and composting of materials.

    Finally, we jammed some large wooden stakes (someone threw out a perfectly good 2×2 that we trimmed for this project) down the sides of the drawers to prevent our raccoon friends from knocking over our composting system.  Eventually, we plan to have a ton of fun painting our new compost bin a bright orange color, which Bluey picked out.

    We love cutting down on trash while also creating compost for our garden veggies and flowers.  And it has been great fun to discuss the benefit of composting with our kids.  


  7. Someone Told Me It’s All Happening At The Zoo

    August 16, 2012 by admin

    We’ve been holding off on going to the Milwaukee Public Zoo (MPZ) as it is outrageously expensive for our family of 4 ($51 not including parking).  But they have elephants.  And Bluey wants to see an elephant.

    So the research began as to what would be the cheapest way to gain access to the zoo.  The MPZ, in the company of over 150 zoos and aquariums across the USA, is a member of the Association of Zoos and Aquariums (AZA).  All AZA members are offered reciprocated free or 50% reduced admissions (check the list carefully as it is confusing to navigate).

    But the research didn’t end there.  The MPZ wants $71 for a family membership which doesn’t include parking (membership and parking is $109).  So we got to thinking, if the point is to support the Association of Zoos and Aquariums, do we have to join it through MPZ?  Wouldn’t a membership at any organization on the list gain us the same benefits?  And the answer is a resounding, YES!

    After a quick google of “cheapest zoo membership” we stumbled upon a blog which recommended joining the Baton Rouge Zoo.  This zoos membership at the family level costs $55.  But we hesitated as we like to keep our dollars local when we can do it.  After another quick look at the AZA list, our eyes hit upon the International Crane Foundation in Baraboo, Wisconsin.  A search on their website showed us that their family membership is $50- Bingo!  Our family loves the International Crane Foundation, they are a local organization, and they are members of the AZA.

    We can now attend MPZ for free (as well as other fantastic places like the National Mississippi River Museum and Aquarium in Dubuque), even though we’ll still have to pay for parking unless we luck out on a street space close to the zoo.  And this one visit to MPZ will equate to the payment for the membership cost at the ICF!

    Elephants, get ready for us.  Here we come!  And on our terms.


  8. Our KIS Guide to Sorting Coupons

    August 10, 2012 by admin

    Holy Garbanzo Beans!  If you clip and print coupons regularly, you end up with a ton of tiny little pieces of paper.  How do you keep track of all it?

    Keep It Simple (KIS).

    As with so many things, we find that simple is better.  Rather than an elaborate system of sorting coupons by type, or by what row of the grocery store the product is located, we have a simple and effective system that takes just moments to keep up-to-date.

    We use a five compartment flex-file.  One slot holds the grocery coupons.  One slot has Target Coupons.  One slot has restaurant coupons.  One slot has department store coupons.  And that leaves one slot for any surprises!

    After that, it’s easy!  We print out our grocery list.  We then grab the coupons out of the Grocery slot and sort through them super-quick.  First sort—toss anything that has expired.  Second sort, look for coupons related to what is on this week’s menu.

    Drop in a pen and your mobile shopping office is ready to go!

    Department store coupons and restaurant coupons can wait for a sort when you are going to the mall or headed out on a trip.  Easy, cheesy!


  9. Fantastic Parties That Aren’t Frightening To Your Wallet

    August 9, 2012 by admin

    By Brenda Winter Hansen:

    When it comes to planning a birthday party that won’t break the bank, your child’s interests should lead you in the right direction. Then, let your imagination take over for a custom fête that will be memorable for your kid and their guests for years to come. Any of the below ideas can be done simply or ramped up depending on your budget. Parties of this ilk are best managed in groups of ten or less.  Here are some of our favorites:

    The Pirate Party: The basics- a treasure hunt, of course! The details- fill a box/bag/sack with smaller bags of “treasure” and hide it. We made super simple cloth bags out of red and white striped fabric (paper bags would do) and got some gold coins, along with pencils, mini notebooks, etc for loot. We used a lidded plastic container that, yes, actually got buried in the front yard. With nine boys (dressed for the occasion- we supplied bandanas and eye patches), we split them in teams of three, gave each team a clue that led to two other clues. Each team’s last clue was part of one final clue (making sure the teams worked together for a common goal) that led to a map (rolled up parchment aged with dirt and burned edges) that took them to the treasure. Keep in mind, it’s easy to strip this down or make it fancy. I love pirate anything, so I actually stayed up until the wee hours writing rhyming couplets for clues. One of the best parts of this party was watching a group of boys take turns with the shovel while they were chanting, “DIG-DIG-DIG!” Bonus tip: get your hands on some music by Captain Bogg and Salty to keep the mutineers happy.

    The Garden Party: I’m not talking tea party! This is perfect for the hands-on youngster who has a late winter-summer birthday, but if you’re willing to lay down some tarp in your house, it could be just what the doctor ordered in the dead of winter. The basics- planting seeds! The details- tell guests to wear clothes they can get dirty.  Buy a variety of seeds (beans and peas are guaranteed to sprout), potting soil, and containers (plastic bins, goodwill finds, or even small terracotta pots & holders all work great). Kids have a great time picking their container, seeds, and sticking their hands in the dirt. If you have basic skills with the sewing machine, whip up super simple aprons made from those fabric scraps you’ve been saving. Since bringing home a container of dirt might be anti-climactic for many, we bought a flat of inexpensive annuals (think primroses or violets) for the guests to choose from when they were leaving. Kids were giving us plant updates for ages and other parents loved the “take home a plant” solution to the “goody bag of junk” problem. Variation on the theme: Make your own terrarium. Moss and glass jars, tiny plant starts, and marbles are all easy to find and use for creating a miniature world.

    Other DIY party ideas:

    Build something: There are inexpensive kits (birdhouses, etc) available. For younger kids, an adult can do the hammering and the kids can do the painting! For older kids, and with a bit more planning, this could become a build-a treehouse party. It’s hard to beat a party that results in a new fort and everyone goes home with a hammer!

    Bake something: This is great for a smaller guest list. There will be mess! Roald Dahl’s Revolting Recipes or the Dr. Suess inspired Green Eggs and Ham Cookbook are great resources for this kind of party. Variations: a brunch birthday (pancake party!) or make-your-own-pizza party.

    Field trip party: If the weather is good and other parents are willing to drive, pack up bag lunches and head out for some free entertainment. State parks, sculpture gardens, a local u-pick farm (animals are a bonus), or nature center are all great choices. If you’re adventurous, overnight camping, canoeing, might be just the ticket. Older kids? Try a campfire with cocoa or a well-timed outing to see shooting stars.

    Tip: Don’t be afraid to enlist other parents for a little help and do your best to gauge your child’s interest. Above all, have fun!


  10. Live for the music!

    July 20, 2012 by admin

    We love music.  When we were younger and the majority of our money was disposable, it was easy to spend countless dollars on tapes, LPs and CDs.  Now there are kids, and rent, and car repair bills.  It’s hard to justify spending $20 a week on records.  Yet we still boast an enviable iTunes collection, due mostly to our collection of reliable sources of free music.

    There is a ton of free music on the internet for download.  But which sites are legal?  Which sites are safe from viruses?  There are a lot of traps on the internet, so let me offer a few pointers as well as some reliable sources.

    We avoid any site with ‘free’ in the title:  Freemp3, freemusic- anything like that.  We like our sites to work easily, reliably and virus free.  One of the best collections of free music out there is a site you probably use for other things: Amazon.

    Log into Amazon and head for the MP3 Store.  On the left side column, scroll down and you’ll see, “Free Music From Rising Artists.”   There you go—hundreds of songs all free, legal downloads!  You can also type “Free Mp3” into the search field and get taken to a different sorting of music.  A great thing to pick up is music samplers.  Many smaller record companies put out sampler collections to get you hooked on their artists.   You’ll find artists you recognize, as well as new undiscovered loves this way.

    Enjoy your free music!  If it is simply terrible, you can always throw it away.  But we usually save everything in case kids or friends enjoy it.  Then we can use it to make mix CD’s and playlists for them!