Are Diamond Engagement Rings Overrated?

Many people love their diamond rings, while others think that they are a good investment. But is that true? Are diamond engagement rings overrated?With our ten-year wedding anniversary coming up later this year, my husband has been feeling generous. For our anniversary gift, he said I could pick between a few amazing things – either a new, upgraded wedding ring or a trip anywhere in the world.

I think you know how that conversation went. I actually like my wedding ring just the way it is. Not only is it a beautiful two-tone ring with a center sapphire, but it also has sentimental value. Also, I was totally down for a trip somewhere, and ultimately decided to go to Italy. I’ll write about how we booked and paid for that trip with credit cards later, but you catch my drift. I didn’t want a new ring; I wanted to go to somewhere cool and make memories. [Read more…]

Unfortunate Ways I’ve Wasted Money

How have I wasted money lately? Let me count the ways. Read this post for some of the most unfortunate spending decisions I have made in the last month.Karma’s a bitch sometimes.

It seems like just yesterday that I was writing about how dumb Bath & Body Works mailings can be. Yet, there I was – gift card in hand, a disgusted look on my face.

I didn’t plan it this way. In fact, I didn’t do anything wrong. I blame it all on my husband. Here’s how it went down:

Since a cousin’s wedding is coming up, I sent my husband to the store to pick up a Bed Bath & Beyond gift card. Everyone likes that store, right?

Unfortunately, he came home with this: [Read more…]

Negotiate Your Way to Savings

Moving out on your own can be a shock to your system and your pocketbook. Club Thrifty is here with some tricks to help you negotiate some fat stacks!The costs of living on your own can be a shock to your system, especially if you’re becoming a homeowner for the first time. Although you have an idea of what items and services you need, the initial setup fees for utilities, cable, and other “necessities” can be an unexpected drain on your pocketbook if you aren’t prepared. What’s more, those sweet introductory rates are going to increase immensely over time, wreaking havoc on your budget.

Never fear, young apprentice…Club Thrifty is here! And of course, we’ve got some tricks to help save you some fat stacks over the long haul! All it takes is a little research and learning how to negotiate. [Read more…]

5 Lessons I Learned While Working Low-Wage Jobs

Working low-wage jobs has a way of changing your perspective. Here are five things I learned while working low-wage jobs in my early 20s.It’s been a while since I worked in a job that would be considered “low-wage,” but that doesn’t mean I don’t remember what the low-wage lifestyle was like. Quite the contrary, really. I actually remember exactly what it felt like to be broke until payday, struggling to come up with money for anything extra – like birthdays, clothes, and even shampoo or conditioner.

I also remember being really embarrassed from time to time, like the time my sister invited me to Applebee’s and I didn’t even have $10 to pay for dinner and a tip. I’m not sure she believed me when I said that I didn’t have the money, and that almost made it worse. When you have a regular job and earn and nice living, it can be difficult to understand how anyone could have less than $10 in their account.

5 Things I Learned From Working Low-Wage Jobs

Fortunately, it’s been a long time since I lived the early 20’s poor student lifestyle, and I can now to go Applebee’s without breaking the bank. Still, I learned a lot of lessons from the days when I worked low-wage jobs that asked so much, yet paid so little. Here are a few of those lessons: [Read more…]

5 DIY Projects You Should Attempt (And Some You Shouldn’t)

I'm a confirmed tightwad, but DIY doesn't always provide the most value. Here are 5 DIY projects you should attempt yourself…and some you shouldn’t.As you’ve probably figured out by now, I’m tighter than a skeeter’s ass in a nose dive. If something needs to be fixed or maintained, I’m always looking for ways to save money. Of course, that means I take on a lot of DIY projects. When we first got married, I was basically clueless when it came to repairs. Slowly, I’ve learned my way around everything from basic electrical to minor plumbing and it has paid off for us.

Owning large, expensive things means you are going to have to make the occasional repair. Most of the time, being able to do fix things on your own can save you money. But, doing it yourself doesn’t always provide the most value. Here are 5 DIY projects you should attempt yourself…and some you shouldn’t. [Read more…]

Here’s Why It Always Pays to Shop Around

It always pays to shop around! I remembered that last week after another shining example of contractor price bloating...but was my realization too late?Last week, Greg was forced to take a cold shower.

But before you start feeling sorry for him, you should know that it isn’t what you think.

Here’s what happened: Basically, our water heater died sometime during the night without our knowledge. My lucky husband just happened to be the person who learned this knowledge firsthand when he entered the shower for his morning rinse. {Better him than me. LOL} [Read more…]