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…]

Here’s What Happens When You Get Ripped Off On Etsy.com

All I wanted was an identical jacket to the one I already have.

All I wanted was an identical jacket to the one I already have.

In case you are unaware, Greg and I took a credit card rewards-fueled trip to Europe in November of 2014. While we were there, we took in a lot of sights, ate some great (and not-so-great) food, and spent some quality time together. We didn’t buy a lot of keepsakes, but we did buy a few.

My favorite purchase of the entire trip was this adorable London-flag look jacket I got from the Portobello Road Market in the Notting Hill District of West London. [Read more…]

Middle America: You Can Have Kids Without Going Broke

family on moneyAccording to CNN Money,  a recent study from the U.S. Department of Agriculture claims that the average cost of raising a child climbed to more than $245,000 in 2013.

To reach that number, they took the average costs of housing, food, clothing, education, health care, and child care into consideration, along with things like hair cuts, cell phones, and extracurricular activities.  Sounds legit, but are those numbers right?  Does it really cost a quarter-of-a-million dollars to raise a kid in America these days? [Read more…]