Showing posts with label saving money. Show all posts
Showing posts with label saving money. Show all posts

Monday, December 19, 2011

What Our Parents Knew About Stretching a Budget


Making your money stretch with these skills.

It's been interesting to see that over the past few years, as the economy has worsened and so many people are out of work or looking for jobs, there has been a rebirth of skills that make our budget stretch. Most of these are skills that our parents knew, but somewhere down the line we have forgotten. For example, if you look around the Internet, you'll find plenty of blogs dedicated to such old-fashioned skills as baking, sewing, gardening and more. In fact, I met a woman who actually raises bees in her small backyard. It might seem crazy, but she has some amazing honey and uses it to barter for baked goods, fresh vegetables and even sells some.

There are so many skills that our parents knew that can make a dollar stretch. In case you weren't paying attention as a child, here are 5 skills that you should learn:

Driving a manual transmission car - Out of all the cars I have had, the majority have been manual transmission, or "sticks". I am always surprised at how many of my friends, and even parking attendants, don't know how to drive them. In general, manual transmission cars are cheaper than automatics and get slightly better gas mileage. Also, used cars with manual transmissions are considerably cheaper because less people are interested in buying them.

Cooking from scratch - I'm not even talking about advanced stuff like canning your own vegetables here. Even things like making spaghetti sauce or cooking oatmeal can save you a lot of money on your grocery bill. I like to cook, but when I look in my cabinets, I'm still surprised at how much easier it is to buy ready made options. These are typically less healthy and much more expensive. Even if you just replace one or two ready made meals with a couple of easy to make from scratch meals, you'll see the difference.

Repairs - I have a friend who replaces things that are broken and never considers the idea of having them fixed. She has little children, and as you would imagine, her vacuum cleaners have occasionally lost battles with Barbie shoes and the like. Instead of replacing the belt, she replaces the vacuum. When I showed her how to open the housing and replace the belt, she was amazed. I have another friend who has been saving to replace her washing machine and in the meantime is suffering because the machine doesn't spin that well. In my parent's day, the repairman would come and replace a few things and the washer would be good as new. The repairman's fee isn't nearly as much as the cost of a new washer. There are many great books on home repair that you can find at the library and fixing your broken items will save you a bunch in time, hassle and money.

Sewing - You don't have to be a great seamstress or tailor to benefit from learning to sew. At the least, we should all be able to replace a button, hem pants or mend small rips in clothes or other fabrics. Unfortunately, many people just toss out things that are ripped and replace them. It's a waste of money and keeping the things you love is always nicer than getting new stuff. Just learning the basics can save you a lot of money.

Gardening - You don't even have to have a yard to plant a garden. There has been a rise in urban gardening in the past few years. In this situation, people plant a few vegetables in large tubs and put them by a window or on a balcony. Just one or two tomato plants and a few other vegetables can keep you fed well all summer long. Not to mention, they are great for bartering with friends who have other skills to offer.

Making your budget stretch when you are going through tough times is important. You can cut your expenses by learning some of these skills and who knows, it might even be fun.

What other things do you think our parents new about saving money? Please share your thoughts in the comments.

By Melissa Kennedy- Melissa is a 9 year blog veteran and a freelance writer for PhillyJobsBlog and Beyond.com, along with helping others find the job of their dreams, she enjoys computer geekery, raising a teenager, supporting her local library, writing about herself in the third person and working on her next novel.

Tuesday, December 21, 2010

3 More Online Shopping Pitfalls (And How to Avoid Them)

Online shopping is fun and can save you some money, but there are still challenges for even the savviest of shoppers. When I started writing the post "3 Online Shopping Pitfalls (And How to Avoid Them), I had planned on making it 6 Online Shopping Pitfalls, but once I got going, I realized that I had a lot more to say on the subject than I thought. So, here is my "But wait...there's more..." moment.

It is no secret that I love online shopping and I probably buy more things online than I do from brick and mortar stores. In fact, my friends tease me and say that I would buy groceries online and have them shipped to me if I could. I laugh, of course, but what I don't tell them is that if I could, I would. Trust me, I've checked.

So, let me share some more of my online shopping tips to help make your holiday shopping a little easier. Here are 3 More Online Shopping Pitfalls (and how to avoid them)


  • Take a good look at the return policy – Return policies vary tremendously from store to store. There are websites that offer free shipping both ways and who have liberal return policies and other sites that charge shipping and restocking fees for any returns. Recently, I purchased a couple of shirts from a well respected company's website. When I tried the shirts on, I realized that I should have ordered a size smaller. I checked the website to get information on their return policy and was amazed to find out that not only do they not pay for the return shipping, they also charge a $10 restocking fee for each item returned. I had purchased the shirts on sale for $15 each, so after paying for shipping to send the items back to them and covering the restocking fee I would end up with about $1.50 in credits that could be applied to purchasing the smaller sized shirts. But, just because a company has a tough return policy, doesn't mean they aren't a good place to do business. But, if you know the policy ahead of time then you can make sure that you only buy things from them that you are sure you won't need to return.

  • Always read product reviews – One of the challenges of online shopping is the fact that you can't hold or touch the product before you buy it. You are in a position of having to chose a product based on a text description and a picture. Many times, when you receive the item, the color is different than you imagined or it doesn't fit the same on you as it did the model in the photo. While this may not be a problem most of the time, it is a good idea to read the customer reviews of the product before you buy it. Based on what other people had to say about their purchase can give you clues about what to expect. They will let you know if the product looks much different that the photo, if the sizes run big or small or if there are other issues with it.

  • Price comparison – The internet makes it really easy to comparison shop and no matter what sort of item you are buying, it can save you a bundle. When you find the item you want to buy, do a quick Google shopping search to see what other companies are charging for the same item. Just copy the item name with all the make/model information and paste it into a search engine and you should get a list of other vendors who are selling the item along with the prices they are charging. It doesn't always pay to go with the cheapest website, especially if a company you know and trust to get it right is offering it at a slightly higher price. Be sure to factor in charges like shipping into your comparison. There are also website who have discount codes and perks like free shipping for certain companies, so be sure to search for those to see if there are any other ways to save.

Online shopping is a lot of fun, and the savings and ease is worth the time and effort of finding companies worthy of your business. Never forget that your business is valuable, so make sure that the companies you deal with deserve it.

Happy Shopping!

Are you looking for a job in the Philadelphia area? Be sure to visit PhillyJobs.

By Melissa Kennedy- Melissa is a 9 year blog veteran and a freelance writer, along with helping others find the job of their dreams, she enjoys computer geekery, raising a teenager, supporting her local library, writing about herself in the third person and working on her next novel.

Monday, November 15, 2010

Shop smarter for Scrubs



How many sets of scrubs do you own? If you’re just starting out in the health care field, likely you have a few pairs that you wore to school. The longer you’ve been in and the more liberally the dress code’s been enforced, the larger the uniform section in your closet.

If this is the first job you’ve had you’ll want to start out with 2 sets ready to go and the money saved to purchase another one when you land your job. Different offices may require different kinds of scrubs. A pediatrician may feel that a conglomeration of colorful cartoon character clad employees adds an edge when dealing with children.

However the optometrist might prefer his staff to stick to navy blue to keep it professional. No point in shelling out the extra cash for a top with your favorite toon until you know you’ll actually be able to wear it to work. Nobody there would be able to see who it was anyway. Licensed character designs are often more expensive options over solids in general. Wait until you’ve gotten a pay check or two before you treat yourself.

If you find out you’ll be limited to one or two hues to choose from you won’t have wasted any money; sometimes the office might buy scrubs in bulk and offer you a discount. In larger health care settings there is the possibility of a service which provides uniforms and launders them for the company.

Likely you’ll be buying your own and you can spend a little or a lot depending on how you buy them. Here are some suggestions:

Nothing’s cheaper than free



  • Check out the free section on Craigslist



  • Ask someone who has worked in healthcare for hand me downs



  • Sew your own from a set of sheets


Sniff out a bargain


  • Thrift stores often have a selection of used scrubs, watch for stains or pilling and you can find some nice deals


  • Check out church bazaars too, you’re more likely to find a selection there than running to different yard sales


  • Shop at the close out stores, places like Big Lots or Ollie’s Bargain Outlet have brand new threads that are closer to second hand prices


Go in together

  • Organize a swap meet where other healthcare workers can trade uniforms, any leftovers can be donated


  • Talk to your co workers about buying scrubs in bulk be the one to organize it in your office and your new boss might notice the initiative you’re taking.

Are you looking for a job in Health Care? Take a look at HealthCareJobSite.


By Heather Fairchild