The Art of Frugality

Head on over to Almost Frugal to check out the Festival of Frugality#141!

How? I followed the advice that every frugalist recommends and called my insurance company. I was involved in an accident which was my fault back in September (the day my obsession for finding the best curry in San Diego became my burden), and that upped my insurance from $670 every 6 months to a whopping $1025. Today I started thinking: ok so yes I was at fault in an accident...but what would other insurance companies charge me? Furthermore, what would my insurance quote me at as a new customer? So I used a pseudonym and wham! bam! thank you ma'm (ooer) I saw a nice little quote for $800.

So I called my insurance company and asked if there were any discounts I could take advantage of. I briefly mentioned that I had seen quotes for less at other companies (even with factoring in my accident) and the incredibly nice and helpful rep spent some time with me. So how did they lower my bill? A more accurate adjustment of teh estimated annual miles I drive (this alone reduced my policy by 100). She was ready to send me off when I asked if there were more discounts that could be applied since it was still higher than what I had seen. She questioned me about my profession and since I am college educated and considered a "professional" I received an even greater discount to the tune of $782.00 per month- a $238.76 savings (that they will refund to me for the payment I just made).

Wowza was that the most profitable 15 minutes I ever spent...

I wore a dress a while back, a dress that never fails to get compliments, and I realized it was probably the best 80 bucks I spent. I actually remember buying the dress because I was 18, at the end of my senior year and $80.00 for a kid with no job was a load. But here, 5 years later I still get a lot of use out of the thing, and surprisingly it hasn't faded or become worn at all. Then i think about the $150.00 I plunked down 2 years ago for a Bebe dress. I think I wore it all of twice before getting uproariously drunk one night and vomiting all over it. I later sold it on ebay for 60 bucks (ummm I dry cleaned it first).

Anyhoodle, these little anecdotes makes me realize the value in buying something you truly, truly love versus buying what's hip and something you haven't given a lot of thought to. I think back on some of my favorite pieces and I have a skirt from the Gap that was around 50 bucks from when I was 18 (actually...I'm wearing it right now), a hat I bought two years ago for a forgotten sum, a coupel pairs of jeans that are over 2 years old bought for about 130 each and a brocade coat I splurged on for a few hundred when I was 19.

My favorite pieces are not necessarily pieces that cost a lot of money (though at the time they did seem like hefty financial sacrifices), but rather they are ones I wear time and time again. They are my go-tos for when I have nothing to wear. They are the pieces that sit silently in my closet comfortably at ease knowing that when I come to clean the closet out, they will be left there untouched. Most importantly they are pieces that never grow dated or old.

When buying an item, we've already discussed the value in holding off and determining if it is something you truly want. I think when it comes to fashion, this may not always work. Holding off for a bit may seem viable, but dang it if those gladiator sandals that go up to your shins are still to die for after a week of contemplation. So when weighing the decision to purchase fashion I believe in adhering to these valuable self-tests.

Timeless
Is the piece timeless or of the moment? I would much rather invest my money in pieces that have a quality shape and material, ones I know will stand the test of time, then throw away 20 bucks on a peasant skirt I would only wear for a season (because, we all know what happened with that trend). By choosing timeless classics, no matter the price, you are ensuring that the piece will be worn for years to come (see: my J. Crew dress, any basic skirt, pants that fit like a dream).

Cost per Wear usage
Ok, so it's no secret I am a HUGE Christian Louboutin shoe fan. I mean, I see those babies and I simply drool and mumble "mmmggggooood" Would I buy a pair? At this point, most likely not. Granted these are shoes that will, most likely, withstand my timeless test, however, have you actually seen a Christian Louboutin shoe? The chances of me wearing those babies enough times to make up for the $600-plus price is unlikely. I have a classic little black dress I bought at Express a couple years ago. It is not necessarily something I wear on a daily basis, but it is a perfect piece when the occasion calls for. Timeless? Absolutely. Low cost per wear? At $50 I can wear it a few times a feel justified in the purchase (and I do).

Mix and Match Capability
Don't you hate when you buy an absolutely gorgeous item, only to be able to wear it with one other coordinating piece? I sure do. Nothing is more frustrating and useless. What good is that adorable little zebra print capelet if it really only goes with those black capri pants? This is why I also put my items through a mix and match test. When I see a piece I melt over, I quickly do a mental invetory of the items in my closet that would compliment it. The desired item must coordinate with at least three pieces already in my closet (shoes, pants, tops, jackets etc). This ensures I squeeze multiple outfits from one piece. Many of you already know how the surrounding items can completely change the look and feel of a single piece, so it's important that I have clothes that can pull double duty.


When in Doubt: Accessorize
You can make an entire outfit feel new with the simple addition of an accessory. Buying costume jewlery from Target, Claire's or the like can up the sizzle factor on a piece with out the fizzle on your bank statement. I am especially a fan of "statement" pieces in which a simple white tank top and jeans is adorned with a necklace that speaks for itself. Exquisite jewlery (and I'm nto talking about the baubles that cost an arm and leg here) needs simplicity as it's background, and there is something so chic about a basic top and bottom combined with a gorgeous ring, necklace or bracelet. Headscarfs and hats are also excellent pieces to enhance with.

Basics
Is the piece basic enough? This is essentially all of the tests wrapped into one. If you buy a $20.00 white tank top, chances of you passing all the tests are likely. A basic piece that fits like a dream is the ultimate in frugal dressing. Think of your favorite outfits, or your favorite top. You probably wear it a lot, with a lot of items and it probably has flexibility in the things it pairs with. Buying basics can also be jazzed up with your accesories, making a drab outfit pop. So stock up on all those solid color tanks and tee's, get those blue jeans and then wear the heck outta em.

Hopefully, you have gotten some use from these tips (if you didn't dont' tell me). Also, most importantly, getting a great deal is only a great deal if you use the piece! Never buy what you don't need. Happy frugal buying!

to the Simple Dollar and check out an excellent article for beating all those nasty tricks stores play on you to get you to spend the moolah.

So I was reading an article on usnews.com when a mention of car sharing caught my attention. What is it? It's a car sharing service for people who arent' willing to commit to the full time aspect of owning a car. How does it work? Well according to Zipcar you can rent a car for hours or days depending on yoru need. They have value plans that entail paying a monthly fee and a discount on the driving. A sample of this plan is the "Extra Value Plan" that has a $50.00 monthly commitment, a $25.00 one-time application fee and a 10% driving discount that starts at $8.10/hour and $59.40/day. Insurance, gas and 180miles are free.

This all begs the question: but is it worth it?? Ok maybe if you live in a densley populated city where public transportation is sufficient day-to-day and there is the odd occassion where renting (sorry sharing) a car is necessary. But living in a spread out town....I don't know I think that with the money charged to rent you could own a car for slightly more. Anyone care to share their thoughts on this concept?

If it's one thing I just can't get enough of it's products with multiple uses. Finding multiple uses for one thing ranks right up there with receiving new DVDs of Six Feet Under, baking cupcakes that turn out divine and buying what I need on sale. In other words: it gets me excited. So imagine my delight when I stumbled upon all the multiple uses for baking soda. I knew I coudl use it to deodorize my fridge, I knew I could use it to clean silver jewlery, and I knew it was called for in many recipes. Holy Crap! There are more uses than even I could ever imagine. So here are my favorites:

• Fill your pitcher or container with half the amount of water you will be using. Measure in the appropriate amount of dry milk powder. Stir to dissolve. Fill the pitcher with the balance of the water called for above. Stir again and chill.


• Use cool water when possible. The powder tends to dissolve more readily in cool water.


• Stir the milk a lot, to dissolve the milk powder. Then let the milk sit for a little while and stir again. The protein in the milk powder blends most easily if it gets a chance to stand after mixing.


• Chill for at least 4 hours or overnight.


• Add flavor by dropping one or two drips of vanilla to improve the flavor. You can also add a spoonful or two of sugar for the same purpose.

Broken Doesn't Eliminate Use

You may find something that needs more than just a coat of paint. Don't disregard the item simply because the previous owner lacked the imagination or motivation to envision the piece as it should be rather than as it is. A great way to read up on fix-it how to's is online at Home Depot. With a simple tutorial and the right tools, you're only limited to what you can't concieve (well ok and the number of injuries you may incur before throwing in the towel....) If it doesn't work out, just put it right back in the dumpster.

Use Dumpsters to Make Money

Just becaus eyou may not necessarily need another coffee table doesn't mean you can't take it in, give it a little love and resell if on Craigslist. Even if you sell it for 15 bucks: it cost you nothing to acquire.

Recommended Tools

• Flashlight
• Gloves
• Baby or Anti-Bacterial Wipes
• Long Stick (to use in probing stuff you don't really want to touch)
• Bags (grocery or otherwise to collect your items)
• Step Stool (so you can peer over the rim of the dumpster)
• Razor Blade (to rip open boxes or bags)
• Pepper Spray

When I moved into my studio apartment, no microwave was to be found. Three months later, I still haven’t gotten around to buying one and I’ve realized something astounding. Not having a microwave has helped me save money. How? I’m less tempted to buy convenience foods (why buy Lean Cuisine when I can’t cook it?) and have become more familiar with cooking and utilizing the tools readily available to me. I am by no means a rockstar in the kitchen but that's all changing (hellooo grilled chicken of last week). What tools are a must (stove, refrigerator and oven are givens) for beginning any culinary adventure?

Crockpot
I bought a 3 QT Crockpot for $16.00. This is an excellent tool for making sauces, stews and chili. Great time saver too, put your ingredients in the pot before you leave for work, come home to a delicious meal.

Knives
Knives come in handy when you need to…er…well cut things. Forget the deluxe 32 piece knife set. Unnecessary for someone just starting out (plus that’s just 32 different ways you can cut yourself), get a pairing knife and a chef’s knife and you’ll have everything you need. You can find perfectly suitable knives at Target or a discount retailer like TJ Maxx.

Toaster Oven
I use this to reheat leftovers, bake potatoes and toast bread. 3 in 1 use? Aces!

Cutting Board
Because cutting on the counters= very bad

Grater
This allows you to grate veggies, cheese, fruit (did someone say lemon zest?) and even breadcrumbs. Preferably not all together…

Two Baking Pans and a Baking Sheet
Perfect for cooking chicken, baking desserts and making casseroles. You don’t need a plethora of baking pans, two sized will suffice. A 9x9 for your smaller side dishes and a larger 9x13 will certainly cover your bases.

Two Pots and a Skillet
I have two pots, a large one and a medium one. I use these to reheat leftovers, cook vegetables and make small amounts of gravy, sauce and the like. The skillet is excellent for eggs, breakfast items and cooking your meat. That’s it, I haven’t yet found a need for one of those cooking pot sets that comes with 10 different sizes of pots. One day I will, and then I will ask for it for Christmas ;)

Spice Rack
Preferably loaded with your basic spices. I enjoy the spice array: basil, oregano, cinnamon, garlic powder, onion powder and nutmeg.

So lately I've been noticing a distinct enlargement of my mid-section through over-indulging and lack of exercise. I've never been one for working out like a mad woman, but I do enjoy physical activity and to be honest the hardest part is getting motivated to begin. So I recently began reading a book I've had for about a year (yes, and I'm just now reading it): YOU On a Diet which outlines a whole plan for thinking about food differently and incorporating daily activity into your life. The best part? Exercise can be done easily in the comfort of your own home.

I know it's hard to think that one can work up a significant sweat without the use of heavy duty equipment and a cute trainer (mmm....pecs) but the workout outlined in YOU On a Diet is not only easy to follow (takes about 20 minutes from start to finish) it's cheap! Should be done 3-4 times a week.

1: (Stretch) Roll with It 5 reps ea. shoulder

Basic move. Roll your shoulders forward for a count of ten then backward.

2: The Chest Cross 25 reps ea. shoulder

This is a 2 part exercise. 1)Stretch arms out straight in front of you w/ palms facing in. Left arm above right arm pulse horizontally. repeat with right arm above left. 2) Move hands rapidly up and down. For the arm going up: palm faces the ceiling. For the arm going down: palm faces the floor.

3. (Stretch) The Clapper 10 reps

Just like it sounds. In a standing position clap in front of you; then bring the arms behind you and clap behind you. Make sure to keep your chest lifted through the duration of the movement.

4. (Stretch) The Hippie 15 seconds ea. side

With feet flat on the ground, bend forward at the waist. Alternate bending one knee and keeping the other leg straight (both feet should remain flat).

5. Push Up exercise to failure (basically: go until you can't anymore)

If you can not do a full body push-up (ummm me), do push ups with knees bent. Make sure you keep your stomach muscles tight and your chin slightly up (look 6in past your fingers)

6. (Stretch) Pecs Flex

Sit up straight on your heels and clasp your hands behind your bum. Lift arms (knuckles facing out) while opening chest wide. Make sure to squeeze your shoulder blades together and breathe into the muscles being stretched.

7. Steady on the Plank exercise to failure

Get into full push-up position with elbows and toes on the floor. Kepp your bum tight and your stomach pulled in toward your lower back. Hold position.

8. Whose Side Are You On, Anyway? exercise to failure

Turn to the side by putting an elbow on the floor and rotating the opposite hip toward the ceiling. Keep your body in a straight line and resist pushing your butt back. Keep your abs tight as you hold the position for as long as you can. Alternate sides. Advanced Modification: dropping your hip, tapping it on the floor and bringing it back into the lateral plank.

9. (Stretch) Up, Dog, Up 10 seconds ea. position

From a down push-up position, with your hands below your shoulders, lift your chest and torso up into the air so your upper body is nearly perpendicular to the floor as you come onto the tops of your bare feet. Lean backwards to stretch your abdominals, but keep your butt relaxed. After holding, look over your right shoulder; hold. Left shoulder; hold.

10. The Rickety Table 20 reps ea. side

Put your hands and knees flat on the floor with your fingers spread apart and pointing directly forward. Keep your back flat and parallel to the floor. Look down 6in above your fingertips. Reach your right hand forward and your left foot back and stretch them as far away from each other as possible, keeping your right hand higher than your head. The higher your arms goes up, the more work your back has to do and the more effective the exercise. Now, bring your right elbow to your left knee. Your stomach should be pulled in the entire time, supporting your lower back. Advanced Modification: move your arm and leg out at a right angle from body, keeping them above your spine.

11. Superman exercise to failure; goal: 1 minute

Lie flat on your stomach, reaching your arms out in front of you with palms down. Spread out your extremities straight out in all four directions and lift your arms and legs simultaneously for enough repetitions to cause some mild fatigue. Continue to look down during the movement, and don't over extend your neck up. Focus on how long you can make your body-not how high you can get it.

12. (Stretch) The Seated Pretzel

Sit down with legs stretched in front of you. Set your right foot down on the outside of your left knee. For back support, put your right hand behind your right butt cheek. Bring your left toe straight up. Reach your left hand up like a stop sign and then twist to right and bring your left tricep to outside of the right thigh. To go deeper, twist more to apply pressure against your right thigh. Act like a string is pulling the top of your head up to elongate the spine. Breathe by expanding your rib cage like you are blowing up a balloon.

13. Leg Drop (like it's hot) exercise to failure

Lie on your back and put your knees at a 90-degree angle and your feet in the air. Drop your heels down, tap the mat, and bring back up to 90-degrees. Advance Modification: Do it with straight legs

14. X Crunch exercise to failure

Lie on your back with your feet on the ground and knees at a 45-degree angle. Cross your arms behind your head, putting your opposite hand to opposite shoulder forming an X behind your head. Rest your head in this X and keep your neck loose (in the beginning, you can put a tennis ball under your chin as a reminder). Using your abdominal muscles, crunch up about 30 degrees from the floor. Without holding your breath, you need to suck in your belly button to the floor to tighten the natural girdle you have to keep the entire 6-pack tight (oh it's in there). Also pull up your pelvis muscles (like when you are holding in your pee) to strengthen the bottom of the natural girdle.

15. Seated Drop Kick 2 sets of 25 reps ea. leg

Sit with your legs straight out in front of you. Bend your right leg up with knee pointing towards the ceiling. To keep your back straight, interweave your hands around this knee. Act like there is a string pulling from the top of your head elongating your spine (and don't bob your head). Lift your left straight leg 6in of the ground, keep your left toe pointed towards the ceiling.

16. Invisible Chair exercise to failure; goal: 2 minutes

Sit in a chair position (with no chair!) with your back against a wall, and with your hands palms up resting on your knees. Keep furniture near you or under you, so you can grab it to help yourself back up when you're done. Keep your heels directly below your knees and at a 90-degree angle; your shoulders should be rolled back and the back of your head against wall.

17. (Stretch) Nice Thighs 20 seconds ea. leg

While standing on one leg, bend the knee of the opposite leg and grab the foot behind your back with one hand (use one arm to hold something to keep balanced). Pull the foot toward your butt while lifting your chest forward and squeezing your shoulder blades together. Switch legs.

Combine these exercises with 30 minutes of daily cardiovascular exercise (can be broken into chunks throughout the day) and you'll be on your way to Fergielicious-ness...or at elast you won't be dying after climbing a flight of steps.

Picture and Workout Source: YOU: On a Diet, by Dr. Michael Roizen and Dr. Mehmet Oz

Lately I've been debating about whether to cancel my cable. I know this will save me loads of money per month, but it will also induce massive amounts of boredom since TV is one of my main sources of entertainment (oh I know, I'm a total potato ok?).

Now before you wax on about how I’m killing brain cells and I’m nothing but a droid obsessed with obtaining “stuff” fueled by the havoc commercials wreak; allow me to defend myself. 1) I have Tivo so those commercials hold little power over me and, more importantly, 2) I’m also a huge reader. Books, however, are something I can dramatically reduce the cost of.

There are the obvious choices such as the library and used book stores. However, I managed to come across another (easier) source for my thirst of knowledge. What is this titillating tidbit you ask? Why it’s Paperback Swap! An online medium for folks to get rid of the books they don’t want and find books they do. How it works is you register and list the books you have and want to get rid of; which is done by ISBN number (the barcode numbers on the back of your book). Each book is worth a credit, so you send a book off and you receive one credit which can then be used to select a book from another user. Granted, the likelihood of finding new releases is rare, however, I’m willing to wait a few months to save 15 bucks. Shipping typically costs around $2.50 and while you pay to ship the book to the requester, when you request a book the shipping is paid for.

I love this site because, though I enjoy knowledge packed non-fiction, I've also been known to devour a little genre called Chick-Lit. Chick-Lit books make awesome beach reads, but are a little hard to justify purchasing since I tend to read them once and be done with them (unlike books similar to Freakonomics and The Encyclopedia of Theories books I read over again). It's a perfect way to indulge guilt-free and still stay busy during the idle summer months.