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Re: Frugal Habits
Old 08-17-2005, 05:39 PM   #21
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Re: Frugal Habits

Quote:
Originally Posted by Mountain_Mike
Oh...how about semi or downright shady things like:

Taking your own refreshments into the movie theater.

Making all your photo copies at work.

Eating "lunch" at Costco (free samples).

Getting all your hot sauce needs met from Taco Bell.

Collecting napkins, sugar, salt, and pepper packets from restraunts.

Finding "free" silverware at restaraunts, towels from motels.

Collecting fruit from trees in the area.

Sending letters with no stamp, making the intended recipient's address the return address.

Re-using stamps that do not appear to be cancelled.
"Shady"? These sound like excellent LBYM ideas to me.

JG
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Re: Frugal Habits
Old 08-17-2005, 05:42 PM   #22
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Re: Frugal Habits

Quote:
Originally Posted by BristolBane
If you can pay it off in full every month, get a good "rewards" credit card.* I'm using Citi Platinum Dividend Select.* %5 cash back on gas/grocery/drug store purchases, 1% back on everything else.* $300 max cash back per year.* You can get one in your spouse's name and bump that to $600.
I thought about this a long time and ended up with a CITI Platinum
also.

JG
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Re: Frugal Habits
Old 08-17-2005, 05:55 PM   #23
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Re: Frugal Habits

Here is the Monthy Python Spam Song:

Waitress: Morning!
Man: Well, what've you got?
Waitress: Well, there's egg and bacon; egg sausage and bacon; egg and spam; egg bacon and spam; egg bacon sausage and spam; spam bacon sausage and spam; spam egg spam spam bacon and spam; spam sausage spam spam bacon spam tomato and spam;
Vikings: Spam spam spam spam...
Waitress: ...spam spam spam egg and spam; spam spam spam spam spam spam baked beans spam spam spam...
Vikings: Spam! Lovely spam! Lovely spam!
Waitress: ...or Lobster Thermidor a Crevette with a mornay sauce served in a Provencale manner with shallots and aubergines garnished with truffle pate, brandy and with a fried egg on top and spam.
Wife: Have you got anything without spam?
Waitress: Well, there's spam egg sausage and spam, that's not got much spam in it.
Wife: I don't want ANY spam!
Man: Why can't she have egg bacon spam and sausage?
Wife: THAT'S got spam in it!
Man: Hasn't got as much spam in it as spam egg sausage and spam, has it?
Vikings: Spam spam spam spam... (Crescendo through next few lines...)
Wife: Could you do the egg bacon spam and sausage without the spam then?
Waitress: Urgghh!
Wife: What do you mean 'Urgghh'? I don't like spam!
Vikings: Lovely spam! Wonderful spam!
Waitress: Shut up!
Vikings: Lovely spam! Wonderful spam!
Waitress: Shut up! (Vikings stop) Bloody Vikings! You can't have egg bacon spam and sausage without the spam.
Wife: I don't like spam!
Man: Sshh, dear, don't cause a fuss. I'll have your spam. I love it. I'm having spam spam spam spam spam spam spam beaked beans spam spam spam and spam!
Vikings: Spam spam spam spam. Lovely spam! Wonderful spam!
Waitress: Shut up!! Baked beans are off.
Man: Well could I have her spam instead of the baked beans then?
Waitress: You mean spam spam spam spam spam spam... (but it is too late and the Vikings drown her words)
Vikings: Spam spam spam spam. Lovely spam! Wonderful spam! Spam spa-a-a-a-a-am spam spa-a-a-a-a-am spam. Lovely spam! Lovely spam! Lovely spam! Lovely spam! Lovely spam! Spam spam spam spam!



You just gotta love those guys!
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Re: Frugal Habits
Old 08-17-2005, 06:00 PM   #24
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Re: Frugal Habits

Quote:
Originally Posted by Mountain_Mike
JG,

What did you witness?* If it was something unsanitary, a call to the Health Dept. may be in order.
Well, have you seen the Capital One commercial with the former
barbarian serving up an ice cream cone? *That will give you some flavor.

BTW, I bitch a lot, but seldom overtly insert myself into these issues.
Why........well, I expect people to disappoint me, and when they do
I just figure it's normal. *OTOH, just today I called the county health
department and animal control due to some renegade neighbors.
It is one of the hazards of living out in the sticks, but you can find
such people in the city as well. *I wish I could avoid them but fear
that is wishful thinking.

JG
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Re: Frugal Habits
Old 08-17-2005, 06:26 PM   #25
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Re: Frugal Habits

I use the citibank dividend card also. I think it is the best cash back card. Of course, it is more frugal to not have a cc, for the folks that dont pay off every month.

"Sending letters with no stamp, making the intended recipient's address the return address."

"Re-using stamps that do not appear to be cancelled."

I read that some people actually bleach the stamps somehow and reuse. I use very few stamps since I use bill pay so I wont bother to try that one . Nothing wrong with the sample day at Costco and Sam's.

- Along with the taxes, minimize investment costs (index funds, buy and hold stocks through discount broker and dividend reinvestment plans with no ongoing fees).
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Re: Frugal Habits
Old 08-17-2005, 06:31 PM   #26
 
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Re: Frugal Habits

I'd say to do your own taxes only if you are confident that you can catch all the deductions, etc.

I wasted a few thousand doing my own taxes for several years, because I didn't know that I could have a company medical plan, and deduct all medical and health insurance payments.
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Re: Frugal Habits
Old 08-17-2005, 07:08 PM   #27
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Re: Frugal Habits

I bought two new vehicles in my lifetime. (1) 1983 GMC High Sierra; kept it 17 years and (2) 1987 Ford Taurus, kept it 14 years. If I had it to do over, would not ever buy a new one.

When working, I used to eat out about 4 times weekly. Now, eat out less, and also like to eat lunch versus dinner. Reason: Lunch is cheaper. Sunday paper has coupons or you can get local ones online.

Of course, now that I'm officially a senior citizen, never forget to ask for senior discount. And never forget to ask for military discount, either.

Sales, sales, sales. If you have to buy something, like say a new laptop or even something as minor as a shirt, know the usual price and then wait for a sale. Knowledge is power. I used to buy a suit each year. Retail salesman told me they were on sale fromday after New Years until Super Bowl. There used to be a lady on local radio, whose motto was, "never pay retail." Good advice.

Oh and if you buy something, and it's defective, minor or not, call 'em, email 'em, write 'em a letter. You stand a good chance of getting the item replaced free of charge. DW is very good at this!

Best advice though, is do without! No impulse purchases. You probably don't need "it" anyway!
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Re: Frugal Habits
Old 08-17-2005, 07:29 PM   #28
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Re: Frugal Habits

Quote:
Originally Posted by TromboneAl
I'd say to do your own taxes only if you are confident that you can catch all the deductions, etc.*

I wasted a few thousand doing my own taxes for several years, because I didn't know that I could have a company medical plan, and deduct all medical and health insurance payments.
I used to do taxes for a living. Still, I hire a CPA firm to do the returns for my tiny holding company. I have a lot of confidence in myself, but I'm not stupid.

JG
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Re: Frugal Habits
Old 08-17-2005, 07:39 PM   #29
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Re: Frugal Habits

Quote:
Originally Posted by MRGALT2U
I have a lot of confidence in myself, but I'm not stupid.
Quote:
Originally Posted by MRGALT2U
... I believe I am smarter
than everyone on the planet...
OK JG, I give up. Which is it?

REW
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Re: Frugal Habits
Old 08-17-2005, 07:43 PM   #30
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Re: Frugal Habits

Quote:
Originally Posted by REWahoo!
OK JG, I give up.* Which is it?* *

REW
I can see I need to be more subtle

JG
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Re: Frugal Habits
Old 08-17-2005, 10:04 PM   #31
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Re: Frugal Habits

When I occasionally dine out, I use restaurant.com gift certificates which normally costs $10 for a $25 GC but I wait until they have either a 50%-60% off the $10 cost.
Being single with smaller food supply requirement, I use my bicycle to do my shopping. I combine gas-free transportation with aerobic exercise.
Buy your "stuff" off season.

I do miss work , no more free.... tea bags, spenda, faxing, xerox copying, bagels, LD calls etc.
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