Frugal Living Column

Whether it’s hunting for the best deals around or growing your fruits and vegetables, living a frugal lifestyle is a challenge that can bring a great sense of accomplishment. Spending cents while others spend dollars, embracing this lifestyle has benefits beyond your checkbook.


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 Frugal Living 
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Things You Shouldn’t Buy Used

In Liz Weston’s latest column on MSN Money, she shares a list of ten things you should never buy used. Those familiar with this older Your Take on What Would You Never Buy Used? will see a lot of familiar items (mattresses!)

Here’s her list:

  • Laptops
  • Car seats
  • Plasma and HD TVs
  • DVD players
  • Vacuum cleaners
  • Digital cameras, video cameras
  • Shoes
  • Mattresses
  • Wet suits
  • Helmets

There’s a basic logic on what you shouldn’t buy used and it’s straightforward.

  1. Don’t buy any used safety equipment unless it’s been thoroughly inspected by professionals – this explains why something like a car seat and a helmet is on the list.
  2. Don’t buy any extremely personal products, especially if it conforms to your body. This explains wet suits, shoes, and mattresses.
  3. Finally, don’t buy something in which you can’t confirm, visually or otherwise, that it’s hasn’t been abused. It’s hard to determine how well maintained TVs, DVD players, vacuums, and other electronic devices have been care for by their previous owners.

That said – don’t let those three rules stop you from getting a good deal if you can overcome the rule. For example, if you can get a mechanic to thoroughly inspect a used vehicle (or buy it from a dealership that offers a warranty and a certified inspection), by all means take advantage of it. The list and the rules should be viewed as a guideline, rather as an immutable law.

 Frugal Living 
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Tips for Starting a Garden

One of the cornerstones of frugal living is gardening. After all, there are few things that help you save money on food better than growing your own. My husband and I enjoy planting a garden. We prefer to plant items that are fairly easy to grow in our area, that we know we will eat a lot of, and that cost a little more at the grocery store. We don’t have a lot of time, and we don’t have a ton of space, so we are creative about our garden, and we are choosy about what we grow.

If you are thinking of starting a garden, there are a few things to keep in mind if you want success. Here are some tips for starting a garden:

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 Frugal Living 
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How to Dine Out on a Budget

We all enjoy a night out with a fancy, or not, meal in a restaurant. There’s something fun about going out, being served food you didn’t have to cook yourself on plates you won’t have to clean up later. That said, the economy has been rough and everyone is looking for ways to save a little money here or there, perhaps to bolster up their emergency fund, while still enjoying some of the finer things in life.

We tend to go out once or twice a week to some local restaurants we love and it’s a treat for us. A few years ago we would go far more often and it became less of a treat and more of a regular occurrence, which takes a bit of the fun out of it (and gets expensive). So now, we limit it to a few times a week and cook more at home. We’ve discovered that cooking at home can be a lot of fun, offers a bit of variety and adventure, and the dishes aren’t that much of a pain to clean.

For those who do go out more often and are looking to trim the restaurant bill, here are a few ideas:

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 Frugal Living 
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How to Avoid Frugal Fatigue

The recent recession has encouraged many of us to improve our financial habits — including cutting back on spending. Frugality has allowed many to regain financial footing. However, for some of us, it can become wearing to always be watching costs and pinching pennies.

Indeed, after right around three years of increased budget consciousness, many are feeling what is being dubbed “frugal fatigue.” Instead of closely watching your money, you might be tempted to return to former ways, bending your budget a little and perhaps carrying a balance on your credit card for a couple of months. Frugal fatigue sets in when you begin to feel deprived by your good financial habits. Here’s how to avoid frugal fatigue:

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 Frugal Living 
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Five Gas Saving Myths

Gas StationWith global turmoil continuing to threaten higher gas prices — especially with the summer driving season just around the corner — it is little surprise that many people are looking for ways to save money on gas.

Indeed, as gas moves toward the $4.00 per gallon level that many think is inevitable, increasing fuel economy becomes even more important. We want to be able get the most for our gas station dollar. It is tempting to believe that you can do a few simple things and then find yourself raking in the savings. The truth, though, is that some “conventional” wisdom about saving money on gas is outdated. Or even downright false. Here are five gas saving tips that probably won’t do much in terms of saving you money at the pump:

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 Frugal Living 
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Get Ready for More Food Prices Inflation

One of the trends we saw through the end of 2010 — and one that is continuing in 2011 — is food prices inflation. Food prices have been rising. From floods in Pakistan to drought in Russia to rising demand for food in emerging market countries, it seems as though higher food prices are inevitable. The USDA reports that food prices increased 0.8% in 2010, and that they could rise 3% to 4% in 2011. That means you had better be ready for what’s coming.

Among the foods expected to see an increase in 2011 are grains like wheat and corn. Wheat is used a great deal in cereal and other staples. Corn (or corn syrup) is used in a number of food items as well. On top of that, corn is used in livestock feed, and that means the cost of raising different animals for consumption is on the rise. Retail prices for beef rose 10% between February 2010 and February 2011, and pork prices are up as well. While meat prices rose in 2010, they are expected to increase at a faster rate this year. Because of the increased cost of feed, and the fact that a rising middle class in China and India are looking to add more beef, pork and poultry to their meals, meat prices are expected to rise at a fairly rapid pace.

Dairy prices are creeping up as well. CNBC recently reported on month over month inflation, finding that butter, coffee, potatoes and bread are also on the rise. Commodities in general are seeing an increase in price, and recent events can’t be helping, especially in terms of global supply chains. Even produce is starting to catch up. According to some news outlets, lettuce has doubled in the past few weeks, and other produce is rising as well.

What can you do?

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 Frugal Living 
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Seven Tips for Saving Money on Pet Costs

Cute Dogs!Americans spend more than $41 billion each year on pets. From routine care to pet spa appointments, the pets industry is big business. Increasingly, people consider their pets to be part of the family, and spend accordingly. This can include everything from specially made pet clothes to expensive medical procedures.

Even those most in love with their pets, though, occasionally wonder how they can reduce the costs associated with pet ownership. The economy may be showing signs of recovery, but, for many, the recession is still a reality. And that means that costs need to be cut somewhere. If you are looking for ways to cut back on pet expenses, here are seven ideas:

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 Frugal Living 
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Are Social Deal Sites (Groupon) Worth It?

“Social shopping” is gaining in popularity right now. Through web sites like Living Social and Groupon, it is possible to get discounts on different products and services in your local area. Social deal web sites send you tips about which deals are available, and then you can go spend money, getting up to half off — or more — on different items.

One of the questions you have to ask yourself as you sign up for Living Social, Groupon or any other social deal site is this: Am I really saving money? Or are you just looking for a reason to spend it?

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