Sunday, September 29, 2013

The Most Underrated Source for Free Entertainment: THE LIBRARY


Today I am going to talk about how to save money while keeping yourself entertained . . . . for free . . . the library.  People seem to have forgotten about this gem, they think a library only has books.  Wrong.  Libraries are stocked with all kinds of cool and fun things other than books: movies (yes, they are up to date and have current DVD's for you to rent), CD's, and many libraries have digital versions of books for you to download for those who like to read electronically.

Why more people don't take advantage of these free things, I'll never know.  Go and check your library out and see what they have.  And if you live in a well populated area, most libraries are linked in a certain area (by county, generally) and you can borrow items from any of these libraries, and even have them sent to a certain one for you to pick up.  Usually you can do all your searching online on their website, and then choose what library you want to pick it up at, and you will get an email when it is ready to be picked up.  Pretty cool huh?


Now I know most of you are thinking, CD's?  Why would I want CD's?  Now I'm not going to go and tell you to do anything specific, but let's just say I haven't purchased music in a long time but I have thousands of songs on my iTunes and even all the latest hits.  Cough cough.

Another plus to renting from the library (other than it being free): Usually you get to keep the item for longer than any other rental store (like those even exist anymore).

Really the only downside, sometimes you get pretty damaged discs, so damaged that they are unwatchable (or unlistenable).  It sucks, but let your librarian know when you return it.  Usually there's another copy you can get or they'll replace the bad one.

Saturday, September 21, 2013

Coupons: Use Wisely


This week's post is about coupons.  Now this is NOT going to tell you how to save $30,000 a year with extreme couponing, I do not have the patience to do that though it can be done.  There are plenty of websites that will teach you how to do that if you are interested and have the time (Key phrase: If you have the time.  It's basically a full time job if you want to save thousands).  This is just a few pointers to remember when using coupons.
Coupons are great, it's free savings.  I always hated as a kid that my mom never looked through all the coupons that came with the Sunday paper just to see if there was one for something we use.  Why not right?  Many people just don't want to take the time, and I don't blame them.  Good news is, it's a little easier today with electronic versions of things.  You can search for coupons for specific goods or companies online or you can sign up for electronic coupons for specific stores that are loaded onto a card.  But again, I'm not going to go into detail on that.




THE NUMBER ONE MISTAKE PEOPLE MAKE WITH COUPONS IS . . . BUYING THINGS THEY DON'T NEED.  The PROBLEM with coupons are, when you see them, you feel like you have to take advantage of the sale.  You don't usually buy that item but you should get it because it's a $1.00 off.  Then it ends up sitting in your pantry unopened until you feel you HAVE to use it.

Similarly, people also sometimes just end up spending MORE than they would without the coupon.  You get a coupon in the mail from Macy's that say's you get $10 off (when you spend $50 or more).  That's great if you were needing some new clothes or something for the kitchen, but make sure you don't end up spending more than you normally would without the coupon, just to get a deal.  That just doesn't make sense.

Other things to watch out for:
  • Expiration date
  • Size limits
  • Certain stores have different policies, they may not accept some coupons and that's their right
  • Any other restrictions

Any tips you have?

Sunday, September 15, 2013

Traveling Cheaply, Part 2: Hostels


In my second post about traveling cheaply, prompted by my trip to New York last weekend I'm going to give you a little hint about saving money in your lodging.  It's a hidden secret to many Americans . . . hostels.



Now don't turn up your nose and say, "Eww hostels" and leave this page.  That is part of the problem.  I'm going to debunk a lot of the myths involved with this touchy subject.  Hostels are a great way to save money in a big city where hotel prices can be out the roof!  (Obviously, this is only meant for large cities that have hostels, most smaller areas won't have the option.)

Yest hostels usually mean a much smaller room and sometimes a shared bathroom, but it's worth it with the money you save.  Besides, if you're visiting a big city, generally you are going to be sightseeing and not there for relaxation so you should really only be in your hotel to sleep and all you need for that is a bed!

Myths About Hostels Debunked

1. You have to sleep in a dorm with lots of other people you don't know.  This is probably the biggest myth about hostels.  At one point, they may have only come in dorm style rooms and they certainly still have the option for super cheap, but hostels now also understand that most people want some privacy and do offer private rooms and sometimes even private bathrooms as well.

Hostel NYC2. Hostels are dirty.  Not true for all places.  Just like hotels and motels, there are going to be a few places that aren't up to par, but that's what doing your online research is for and reading reviews.  Let me tell you that there are a lot of hostels that are clean and not only that, but they have been fully modernized and look totally chic.  Here's a place that my mom and I have stayed at before in NY.
Hostel NYC









 3. Only foreigners stay in hostels.  While incredibly rude, also not true.  Lots of Americans stay in American hostels.  It's just for those looking for a cheaper alternative to hotels so they can spend their money on activities and such in the place they are visiting!

4. Hostels aren't safe.  Many hostels either you have to have a key to enter or they have private security.  Most are just as safe as any hotel.  Just make sure you do your research and look at reviews.


Perks About Hostels

1. You're right near the action!  Many hostels are downtown or near the hotspots of a particular city.  To find a cheaper option in a hotel, you generally have to look on the outskirts of cities.  Not only does this mean it takes longer to get to wherever you want to go, it may mean added costs like a rental car or taxi.  That's not necessary with most hostels.

2. Fun events.  Because of the community feel in hostels, a lot offer fun activities within their walls like games and movies but many also offer fun things to do in the city.  These can be anything from museum trips to pub crawls.  Going in a group like this makes it cheaper and easier since you don't have to do the planning!  I've really wanted to take a trip down to San Diego to stay at this one hostel, USA Hostels San Diego, just because they offer a trip to Tijuana.  For just $18 you get: dinner, a guided tour of all the shopping and action that has made Tijuana world famous, a tequila tasting and, of course, hit a few of the best bars on the Avenida de la RevoluciĆ³n.  While being an American and traveling between the U.S. and Mexico should be simple, this just eliminates any troubles crossing the border and being with a group makes it much safer.


Let me know what you think about this.  If you have any places you've stayed and want to recommend go ahead.  As with anything, the internet is your best friend.  Do your research.  Read reviews (but take them with a grain of salt because some people are way too picky).  Find the place that suits you best.

Saturday, September 7, 2013

Traveling Cheaply, Part 1: Flights

As I sit in the airport, waiting to board my overnight flight to New York, I thought it only appropriate to do a post on traveling cheaply.  I love to travel and I wish I could do it all the time but it takes a lot of money!  Hopefully these few tips will possibly help you in going to that place you've always wanted to go to!



All About Buying Your Plane Tickets

So this first part about traveling cheaply is about finding the best deal on plane tickets.  After all, that is where the bulk of the amount needed for a trip is going to go.

1.  Search around.  Start looking early, if possible, but don't necessarily buy right away.  Pay attention to the fluctuations in prices.  Prices for plane tickets change daily, even hourly, and I'm not expert on that (you can find all kinds of websites that make predictions on when prices are at their lowest) but just try and be aware.  And make sure you compare different websites.

2. If flying round trip, try buying each flight separately.  This is what I did for this trip.  I got a much better deal by buying two separate one way flights because I had more flexibility in times and different companies.

3. If there are multiple airports in your destination, search for all of them.  This can be more difficult from the airport you are leaving from, depending on how you get there and if you are leaving a car, but it can be done at your arrival destination.  I'm going to New York, which obviously has many options for airports.  I fly into LGA and leave from JFK.

4. Take a red-eye.  This may be only for the younger and more sprightly travelers but it is a great way to save money.  First, it is just cheaper because less people like to fly at that time, they know it's miserable so they give you a discount.  The other way it helps cut costs is by saving you the price of another night at a hotel.  How, you ask?  Well take me for example.  I am leaving late Saturday night from SF to go to NY where I will arrive around 10:00 in the morning their time.  This is a perfect time to be able to spend the whole day in the city and not have time wasted from traveling and I didn't have to pay for a hotel stay for Saturday night because I was in the air!

5. Sign up for the free mileage rewards programs.  Why wouldn't you want to get rewarded for free for things you do?  I'm all about signing up for rewards programs that don't cost you anything, but make sure it stays that way -- IT SHOULDN'T COST YOU ANYTHING.  Meaning, the temptation is if you're signed up for one rewards program that you'll always want to fly from that company to build up the rewards.  But be smart about it.  If it cost you $100 extra to fly with that company sometime, skip it.  I don't think those miles are worth that much.  It's okay to be signed up with multiple companies.  You'll slowly build up the rewards but you should still take the best deal dollar-wise.  Usually you end up flying with the same one or two companies anyway depending on what's available in your area.

6. All the added fees.  Nowadays airline companies are looking for any way to make money off you.  You have to pay to check a bag, pay for extra leg room or exit row, pay a huge amount for a snack.  DON'T BE TEMPTED.  The only one I really understand paying for is the checked baggage.  Sometimes it's just too hard to put everything into a carry on size or the liquid thing is a problem.  But if you can, try and put everything in the carry-on size.  You'd be surprised how big it can be.  It's generally the medium sized bag in a suitcase set.  Plus, a little secret.  You can usually check your bag at the gate for free.  But with everything else, it can easily be foregone.  Try and get an aisle seat if you're worried about leg room.  Really any food at an airport is over-priced.  Pack your own food (just be careful of the liquid restrictions).

I think that's about it.  If anybody else has any other simple tips, feel free to leave a comment!

Sunday, September 1, 2013

Stop Using Lotion Too Much. The Answer? Grapeseed Oil

lotionThis is going to be a short and simple post.  If you're like me, your skin gets pretty dry.  I used to put lotion on all over my body after I showered, as I'm sure many of you do.  Now that makes you go through lotion pretty quickly.  STOP!  Use grapeseed oil instead.


I'm not kidding.  Grapeseed oi is great for your skin, it does not leave it oily, and you only need a few drops to cover a good amount of area.  I saw this trick and went out and bought some (it can be found at your local grocery store) and I haven't even used half of the bottle yet and that was over 6 months ago!  It's actually been so long since I started using it that I have no idea how long it's been, it could be almost a year!

You will save so much by not having to constantly buy more lotion.  I still use lotion for my hands and feet, but that's not very much.

*A word of caution about using oil.  Though it does not leave your skin oily, it still is oil and can leave oil stains on your clothing.  Be careful when applying it near clothing, let your skin fully absorb it before putting clothing on that area, and if you accidentally put too much oil on and it is kind of oily then just take some toilet paper and wipe off the excess.


****UPDATE 11/9/15**** I have reached the halfway mark on my bottle of grapeseed oil.  Yes, my first bottle that I posted about in this article!  So by my calculations, if you use the oil on your legs about every other day (as I do), 1L should last you about 5 years!  I still love it and my skin feels great after putting it on!  Get some at the link right below:

Sunday, August 25, 2013

Cut Cell Phone Bill in Half: Switch to Ting

Let me start off by saying, I do not work for Ting, I just really love what they are doing and want you all to know about it too!

When I was about to switch to paying for my own cell service and not be under my family's plan anymore, I spent a lot of time researching different companies.  I wanted to finally have a smart phone, but not have to pay the ridiculous monthly charges that comes with the territory if I knew I wasn't going to be using data all that much.  My goal was to find something where I would be paying under $50/mo, preferably less than $40/mo.  What I found was much better.

I found the problem for me was that my needs went completely against what most packages were: I wasn't going to use data all that much, I send texts but not too many, and I still wanted a lot of minutes.  A lot of packages are great for one or two of those areas but really skimpy on the other and it never seemed to work in my favor.

Now on to Ting.  Let me explain why they work so well for basically any needs.  Here's the genius plan: you pay for what you use.  That's it.  You don't have a limit, there are just different scales of prices in each category: minutes, texts, and data.  If you don't use on area, you don't pay for it.  There's a $6/mo device usage fee and some other small fees, and that's it!


Not quite making sense?  I'll give an example: Let's say you don't really talk, you just text, and your on the internet all the time.  It's $3 for the smallest amount of minutes (100), $8 for 1000 texts, and $24 for 1000 MB of data.  With the other fees, that's only $41/mo!  If you happen to not talk one month, you don't pay for any minutes.  And guess what, if you have multiple people on your plan, the savings are even greater! You can check out all their rates here: https://ting.com/rates.  You can also compare your current bill to what you would pay at Ting here: https://ting.com/calculator.   Or here's a video if it's still not clicking:



Other pluses:
  • great customer service
  • easy to understand bills
  • no contracts
  • fun and cool company!


What's the downside?  Well the only slight downside is that the prices for phones are pretty steep.  Because they offer you such discounted monthly rates, they can't give you the great prices on brand new phones.  But you can easily make up what extra you spend very quickly because of how much you will save per month on your bill.  Plus there's no contracts!  (Or if you already have a Sprint phone, you can use that one if it's on the accepted list!)

You should definitely check them out.  And if you are interested in switching over, here's a referral link: https://zh58t2kbb.ting.com/.  If you use this referral, not only do I get $25 credit, but you get $25 off your device purchase or credit too!



****UPDATE 10/28/15**** While I love Ting and still recommend it for people who don't use much data and don't need the newest phone, I have discovered a better plan for most people.  Read this article.