My wife and I started composted this year and one thing we learned was that ants love our compost. We keep an old 3 lb. coffee can (the same Folgers can in this post) with kitchen compost waste and ants seem to love the chopped up fruits we toss inside. We fill up that can and then empty it about every other week. It really reduces the amount of trash we discard and it will make for some good fuel for our garden next year. But, it’s also a nice little buffet for ants.

The Traditional Advice

The traditional advice is to use ant traps and keep a cleaner kitchen. Talk to anyone who has actually had an ant problem and cleanliness, while important, isn’t the final solution. As clean as you get it, ants will find something they enjoy in your kitchen. It could be a speck of something that fell between the range and the counter and they’ll make it back there to get it. Cleanliness is important but it’s not the solution.

Ant traps themselves are often relatively effective but I don’t like the idea of using poisons. While we don’t have a dog, we learned that dogs love chewing on ant traps when we were watching my in-law’s pair of Scottish Terriers. Fortunately we only saw one going for the trap, he didn’t chew through anything so that was good. They’re also fun little toys for children, since they’re octagonal in shape and black so they look like toys, and while we don’t have kids and most visitors don’t, we’d still like a solution that’s safe for people.

Finally, the traps do lose their effectiveness after a while. Maybe our ants are smarter than most because I think I hear them laugh as they run around them, flicking me off as they go on their merry way. My response was to crack open the traps and mix in some Nutella (I didn’t have peanut butter at the time) and that seemed to work last year, but I would rather eat Nutella than bait a trap with it. So I went out on the internet to find a better solution.

The Best Way To Get Rid of Ants

To my surprise, I found my good friend Nickel writing about how to get rid of ants. His solution was to mix boric acid powder and table sugar 50-50 in with some water to make a slurry. Then put that slurry in the path of the ants and watch them eat it up. Eventually they take this awesome sweet boric acid concoction back to their evil dungeon lair, share it with friends, and then take a nice long nap. Boric acid is toxic to ants but safe, in low quantities, for people and pets.

I have to admit I was apprehensive when I tried it but I saw Nickel’s advice replicated on a number of sites (Wikipedia has lots of uses for boric acid, though they recommend a more diluted mixture to be used in cotton balls) so I gave it a shot.

To date, we haven’t had an ant problem in out kitchen and we’ve been happily composting away!

(Photo: squinza)

Regular oil changes, as defined by your owner’s manual, is one of the best ways to lengthen the life of your car and the efficiency of its engine. Don’t skip oil changes to save a few dollars, the thousands of miles you’ll add to the engine’s life will dwarf the cost. That being said, there really isn’t much difference in the product and service offered at a discount oil change place and your dealership, despite what your dealership may say! This PSA is anyone who uses discount oil change services like Wal-Mart or Jiffy Lube. After you get your $15-$20 oil change, double check their work before you leave or you might be in for a nasty surprise.

Wal-Mart Whoops!

A while back my wife took her 2004 Honda Civic to the local Wal-Mart for their famously economical oil change. With a price under twenty bucks for conventional oil, you couldn’t beat it. After the oil change, she drove home and it wasn’t until she left for work the next day did we see an oil stain in her parking spot. When we popped opened the hood, we saw the oil cap sitting on the engine. I should’ve taken a picture because my wife’s daily commute is about 40 minutes and it’s a miracle the cap was still sitting on top of the engine (it may have been wedged by the hood, we didn’t check but there wasn’t a dent).

Everything under the hood was covered in oil spray and she lost about a quart of oil. We couldn’t believe they forgot to put the oil cap back on (then we realized the technicians are probably pressured to do things as quickly as possible, so it’s not that surprising that they miss something once and a while).

Check Their Work…

So, the next time you get an oil change at those discount places, do a perfunctory check that everything is in order. Check that the oil cap is on (I know it sounds ridiculous but it happened to us), check the ground when you pull out for signs of oil leaks, check your oil level via the dipstick, and check the service work report for inconsistencies. You won’t be able to detect detect outright fraud but you can ensure there isn’t any carelessness.

… Or Do It Yourself

I change the oil in my own car because I prefer to use synthetic oil (mostly because you change it less frequently, but there are other benefits). You can get synthetic oil changes at the discount places but the price magically jumps up to $50-60 for the base oil change, a price point that makes it more economical to change it yourself. I also drive a car that offers very easy access to the filter (the filter was impossible to reach in my last car, an Acura Integra) so changing the oil is straightforward. The only downside is the mess, but you do get the satisfaction of doing it yourself.

But, if I forget to put on the oil cap or tighten the oil filter… I have no one to blame.

A while back I discussed how you could save some cash by cutting just one cup of coffee a week and by brownbagging it just one day a week. That’s when, in chatting with Paid Twice, she joking said “yeah… all these years of home brew coffee and packing lunches - explains why we’re broke. :)” She said it tongue in cheek but it’s a legitimate concern. So many people budget to a penny, diligently track their expenses, yet find themselves behind the eight ball and I suspect it has to do with expenses on the other side of the spectrum - the big ticket items. (I suspect this because that’s what happened to me!)

With respect to frugality, I see the world in two different categories. The first category is for those big ticket items where savings can be significant. Big ticket items are marked by lower frequency but high savings potential, such as a car. The second category are those smaller day to day expenses where there is a much higher frequency of expenses but lower potential for savings. Many times we focus on the small items because we deal with them every day but get panicky or pressured when we start talking major expenses, but those big expenses are the ones where the big savings are too.

Unfortunately, big ticket items aren’t things you can change overnight and they also tend to be more stressful. I recognize that. The two big ticket items most individuals have to pay for are housing, either renting or buying, and a mode of transportation, usually a car. The two are generally marked with higher levels of stress (what’s more stressful, buying a house or making your own detergent? duh!) in part because of the higher dollar values but also because of time constraints. With housing, you’re usually under the gun because you have to move by a certain date according to your lease or some other agreement. With a car, you’re usually under the gun because you need a car ASAP and the whole car sales business is a pressure cooker anyway.

So, how do you counter it? Remove the pressure and reduce those expenses as best as possible.

Remove the Pressure

Sales Pressure: With either a car or a house, there will always be a measure of sales pressure on the part of the agent or the salesperson. It’ll be far worse with a car dealership salesperson because they know they might not get you the next time in so they want you to buy now. Combat this by doing one thing… never sign anything the first time you walk into a place. If you meant to go test drive a bunch of cars, don’t buy that day. Always sleep on a decision and always get a second and third opinion from people you believe are both trustworthy and knowledgeable. You can save yourself from making plenty of bad decisions if you sleep on it and ask for second-party opinions.

Housing: You know when your lease will expire, so start your housing search as early as possible. If you’re buying, start it several months in advance of your move. If you’re going to rent again from another place, start a couple months in advance of your move. Chances are, if you’re renting, even if you can’t find another place to live, you can always go month-to-month on your lease and pay a small premium. Paying an extra hundred dollars a month for one month is far better than rushing into another lease or even a 30 year mortgage!

Car: What’s the worst thing that can happen if you don’t buy a car and your car is kaput? At best, you’re inconveniencing yourself and perhaps friends and family that agree to drive you around. At worst, you rent a car at about thirty or forty bucks a day until you settle on a car. What’s worse, overpaying a few thousand on a car or shelling out for a rental? There is no pressure to buy a car as soon as possible.

Reduce the Costs

The topic of how to reduce the costs of housing and a car, at the tactical level, is way too complex to go into in a few paragraphs here. If you want to know the best tactics for negotiating down the price of a car or a home/rental, you can find plenty of information online . I will however say a few words about how I view homes and cars from a philosophical level and I’m interested in hearing your opinion as well.

Housing: When I rented, I saw my apartment as a temporary location for, at most, a few years. Since it was temporary and I wasn’t building a long term solution, I tried to spend as little as possible on my housing. My end game was to buy a house, not rent a swank apartment, so I never painted or put up pictures. The point was to pay as little as possible so that I could put as much as possible towards a down-payment. To this end, I spent two years renting, always had the same roommate, and we tried to keep costs down as low as possible - I never paid more than $600 a month for rent. I’ve know people who have spent $1200 to $1500 on single bedroom or studio apartments because they wanted someplace nice. That’s $600 to $900 a month that person can’t put towards something else (which is perfectly alright, we all have our own tastes). However, if you are looking to save money, you have to make a lot of detergent to recover $600-$900 a month.

Car: My car gets me from A-to-B and I want it to be affordable, reliable, and fuel efficient. I know some people like to buy cars because it projects a certain image, they want to be able to drive their co-workers or bosses around in a nice ride, but luckily I never worked in industries where that mattered or could affect my future job growth.

Total Cost Considerations: This post is getting a little long winded but I wanted to throw in one last point about total cost. When you sign up for a house or a car, you’re signing up for years and years. A lease is often for twelve months minimum. When you make these purchases, remember to consider the monthly costs as well as the initial costs.