The Frugal Goddess Goes LIVE with a Workshop on Food Waste!

Careful Planning is the Key!

The Frugal Goddess will give her first live workshop—Stop Food Waste Now with the fugal Goddess, in Santa Rosa CA on October 15, 2012.

The workshop will cover how we make bad choices that lead to food waste, how to plan a week’s meals that will really be eaten without waste, how to store what you buy so it lasts, and how to handle special problems with the flow of food through your household and your life.

If you regularly dump your money into the waste bin through wasted food, if you have great intentions on shopping day that lead to nothing but expensive compost, if you have “science experiments in you vegetable bin instead of edible veggies, this might be for you!

The first Frugal Goddess book on the same subject is in the works. There will be an announcement on this blog when it comes out.

If you live in the bay area please go to this link for tickets: http://www.brownpapertickets.com/event/258266 and here is a link to the original post that started the whole project: http://www.thefrugalgoddess.com/2011/03/10/food-waste-why-we-do-it-and-how-we-can-stop/

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If You Want to Save Money Take Safety Seriously

Safety is Frugal

The other day I read an article about frugality where a young woman told a story in which her tires were bald and unsafe, but she didn’t want to spend the $400 to get them replaced. She seemed to believe that this was the frugal approach, but she couldn’t be more wrong.

Safety violations waste money whether they are at home, at work, or on the road. Every year millions or maybe billions of dollars are wasted cleaning up messes that could have been avoided with some simple safety precautions that were skimped on. Remember the gulf oil spill? If regular maintenance is good for the wallet, then taking safety precautions is mandatory to keeping you finances in good order.

It is not hard to imagine all the ways that skimping and procrastinating on safety measures can bring hardship. It might even cause death or serious injury to you aor someone you care about. Those bald tires might cost you an accident that totals the car. Or they could cause a deadly accident. Taking care that your equipment is in order isn’t just frugal, it is essential to good citizenship.

So don’t stint on tires, checkups, fire protection, or proper gear for your activities, such as helmets for bicycling. Whatever it cost in money or time to stay save is actually a bargain. So take some time to evaluate in the next couple of days. Make a few lists: home, car, work, hobbies, and any other place you spend time. Write down all safety issues and make sure that everything is in order. Check the batteries in things. Check the fire extinguisher. If there are items that aren’t up to snuff—fix them now. And breathe a little easier.

Start Saving Money Today–Avoid The Five Biggest Money Wasters!

 

What's Emptying YOUR Wallet?

Several years ago I clicked on a link about wasting money. On the list were several items that seemed very subjective, such as owning of houseplants, or reading magazines. I started searching for more such lists, and found that they all had subjective items on them. No one suggested that having children should be on the list, but some did list pets. The one thing all of these subjective items had in common was that each of them had some intrinsic value. And to the person who values an item it is not a money waster. The other thing about these list was that none of them caught ALL of the real money-wasters. You know, the things that nobody could possibly value. The financial losses that have no bright side. So, here is my list of the true money wasters.

  • Fees or fines for things that are avoidable. This includes parking tickets, tow-away charges, moving violations, and anything else where you run afoul of the law and have to pay when you get caught. What can you do about it? Park somewhere legal, leave earlier, stay sober or find another way home, and obey all traffic laws. It may be inconvenient sometimes, but not as much as paying a big fine or worse.
  • Unused memberships. The biggest offender is the gym membership, but there are others. Are you paying for an online subscription or premium service? You might be paying and not be aware of it, as in the case of 3rd party billing for “premium downloads” that can attach to your cell phone bill without you even being aware of it. To avoid this money drain, take a look at all the things you pay for automatically. Look closely at all your bills to make sure you don’t miss anything. If you aren’t using it, get rid of it. And next time you are tempted to join or subscribe to anything that costs money, think twice. Ask yourself if you have a bad track record. When and how will this new activity fit into your life? Can’t figure it out? Don’t do it!
  • Bank overdraft charges. I am not referring here to charges just to keep an account, though you probably can find a free one if you look. I am talking about what they charge when you write a check you shouldn’t. This may also apply to using your debit or credit card when the money isn’t there as well, though many states now have laws which force the bank to simply decline the card if there are insufficient funds, instead of paying the item and charging you an over-draft fee. To avoid paying any overdraft fees, set up overdraft protection with the bank or simply never go over what you actually have available. It might be a good idea to leave a small cushion just to make sure.
  •  Late fees. If you have any control at all over your cash flow you can avoid late fees. The problem may be that you procrastinate. Procrastination is fine in some situations, but not when it’s costing you. On the other hand, you may be late because you income has dropped. If it is in your monthly budget you should be able to pay for it. If you can’t then you must get rid of it. It may not seem fair. It probably isn’t. But this is the system we live with. If you have experienced a downturn in your financial situation you may start with a pile of bills and get rid of the services one by one. First the premium satellite for your TV, then the memberships to things, all the way down to the car if need be. If you know the difference between a need and a want you’ll know what to do.
  • Disorganization. This causes waste in many ways. It may be buying duplicates of things because you can’t find the first one. It may be massive food waste because you can’t tell what is in your refrigerator and cupboards. It could be paying higher prices because you don’t plan ahead. The only solution is to do an honest evaluation. If you know you are wasting money and overspending because you are disorganized, sit down and think about it. Are there areas where you are doing fine and others where you are suffering from disorganization? Or are you pretty much a mess across the board? Either way, start by trying to get a good friend to help you work on it. It may take a professional organizer in the end if your issue is severe. Just start today if this is you.

There are other behaviors that contribute to wasting money, but these five are the most common offenders. The good news is that all of them are fixable. Just think what you could do with the money you save.

Don’t Get Scammed –Block “Third Party Billing” on your Cell Phone!

The other day I was getting ready to pay my cell phone bill online, and noticed that it seemed high. I took a closer look and noticed a $19.95 “usage fee”. Now, because I am a frugal person I purposely set up my service so that there would be no overages of any kind. So, I braved the potential one hour wait time to talk to a real person and learned that this charge was for a third party billing service for “premium texting”. Sometime ago I had begun receiving texts for some blingy contests. I had taken them as text spam, bad enough in and of itself. But this was much worse. They were charging me for these spam messages and I never signed up for anything like that! Why would I?

Well, they reversed the charges, and blocked any further third party billing requests. And I learned a valuable lesson. First—check every item on your phone bill every month. Don’t be afraid to raise a bit of a fuss over any suspicious items. If you completely understand what you are signing up for, you will spot phony charges right away.

Second—call your cell service right away and get them to block all third party billing. If you are getting a new phone or changing providers don’t forget to renew your blocking request. If they don’t understand the request ask to speak to someone who does understand and can help you.

Third—be careful how you use your texting service. These scam artists harvest numbers from many different sources, some of them very legitimate looking. If you are EVER asked to provide your mobile number online, find out first what the asker intends to do with your number.

Protect yourself. Don’t let rats steal from you a little at a time. If you follow these simple steps you will be sure you are not paying for things you didn’t ask for and don’t want.

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