Saturday

Weekly Roundup


The Buck List participated in two carnivals recently. Check these out for some terrific personal finance articles.

Economy, Business, Credit, and Debit at the Roundup #10

Carnival of Pecuniary Delights, Edition 21

Visit State Fair Dates to find when state fairs all over the U.S. will be held, as well as links to their web pages.

Flex Jobs offers to find legitimate telecommuting jobs “from all over the web -- freelance to full-time, entry-level to executive, in over 50 different job categories.”

Have you ever considered direct selling as a way to make money? Direct Selling 411 says that not only cosmetics can be purchased through direct selling “but add to that countless other product categories including kitchen products, jewelry, clothing, organic gardening supplies, spa products, scrapbooking supplies, rubber stamps and much, much more.”

World Cat is “the world's largest network of library content and services.” Use this site to search for books, DVDs, CDs, and articles. Member libraries are “dedicated to providing access to their resources on the Web, where most people start their search for information.”

Weekly Reminder – A reminder of a useful article you might have missed.
I wrote this article filled with tips on how I make money selling through consignment.

Friday

Borrow, Rent or Share Those Tools


Borrowing and sharing tools is a long standing money saving tradition that is making a comeback during the current recession. Using a local community tool library is another frugal option to cheaply rent the tools you need.

Borrowing or sharing is simply a matter of getting or lending whatever tools you and your friends, family and neighbors own. If the trust is there, and you ask, you might be able to cut up that fallen tree limb without owning a chainsaw. Sometimes it makes economic sense for a group to pool their resources and purchase a higher priced tool that all would use yearly, such as a wood chipper or a tiller.

Tool libraries can offer a wide variety of hand and power tools and a yearly membership fee generally runs from $5 to $25, with unlimited borrowing during that time. Some libraries also offer how to videos and manuals. Wikipedia has a list of tool lending libraries to check out, or search online for “tool library” and your city for one close to you.

Related Reading:

Do It Yourself Clubs

Offer Your Services for Barter or Cash

How to Save Money by Salvaging

Wednesday

Focus On: All Financial Matters


This is the twelfth in a series of brief reviews of personal finance and frugal websites and blogs.

After working his way through college and graduating with a degree in finance Jeffrey Pritchard founded the personal finance blog All Financial Matters. His easy to understand, well thought out articles stretch back to 2005, and he covers personal finance topics on everything from annuities to mortgages and college funding to taxes. Go explore those extensive archives, and don't forget to subscribe.

Send me an email (BuckWeber at gmail.com) if you have a frugal or PF site you would like to see included in this series. If it belongs to you include a few lines about it and yourself.

Monday

Does a Financial Education Matter?


U.S. Senator Patty Murray (D-WA) has sponsored a bill, The Financial and Economic Literacy Improvement Act of 2009, that would “provide $250 million in grants annually to states to support teaching financial literacy in grades K-12 and at 2-and 4-year colleges.” Ben Bernake is all for financial education. The Federal Reserve Bank and Visa Inc. continue to promote Money Smart Week. The CARE Program provides free personal finance literacy programs in all 50 states. Almost half of the high schools across the country mandate a consumer economics class. McDonald’s is now teaching money skills to their 500,000 employees, as is Domino’s Pizza. (Their partner is Visa, who has admitted to some “light promotion.”) Professor Lauren Willis doesn’t believe any of it does any good and thinks more government regulation is the solution.

With all of this going on almost one third of high school seniors have credit cards and over half have debit cards. In the last 10 years bankruptcy has risen 96% among 18 to 24 year olds. One in five Americans believe the best way to get rich is to win the lottery. Most of us don’t have budgets and don’t check our credit reports. We all are aware of the mortgage meltdown and the foreclosures surrounding us, and every person reading this knows several families that live paycheck to paycheck.

With so many opportunities to learn how to get it right, why do so many of us screw up our finances so badly? The answer seems to me to be the same reason sex education doesn’t keep teens from having sex: we do it because we can and it feels good at the moment. Go ahead and rack up that credit card, you deserve it, and you won’t have to see the bill until next month anyway. What difference will a few hundred dollars more make? Buy all of those toys to fill up your garage and impress your neighbors. The bigger the house the better and you can always read the fine print on the mortgage application later. Budgets are not sexy and who wants to read through those boring credit reports.

Even with all of the personal finance educational opportunities that abound, sometimes it takes a little disaster to shake us up and make us pay attention. Every pregnant teen knows precisely what caused their condition, as does every credit card holder with a monthly carry over balance. Does more education keep either scenario from happening? Does a financial education matter? Only if we allow it to.

Friday

Vinegar: Is There Anything It Can't Do?



I think any frugal blogger would be remiss if they did not write at least once about the multiple uses of vinegar. To that end, here is my contribution.

Vinegar is a natural disinfectant and it can be used on almost anything except marble and paint as a frugal, all purpose cleaner. The typical ratio is a 50/50 vinegar and water mixture.

Floor Cleaner: wash ceramic and vinyl floors with a mixture of one cup vinegar to one gallon of hot water.

Dishwasher: Use full strength vinegar instead a rinse aid.

Windows and Mirrors: Spray with a 50/50 mixture of water and vinegar and dry with crumpled newspaper.

Meat Tenderizer: Add two to three tablespoons to a pot roast, stew or soup.

Onion Odor: Eliminate it from your hands by rinsing them in vinegar.

Weed Killer: Use undiluted and spray directly on weeds.

Feet: To treat foot fungus spray them with full strength vinegar twice a day until fungus is gone.

Pet Odor Treatment: Use the 50/50 water and vinegar solution to saturate the offending area, let sit for a while, and then blot up with a towel.

Wallpaper Remover: Spray on full strength to dissolve the glue, let sit, and then peel away.

Stain Remover from Clothes: The good old 50/50 mix can work on everything from barbecue sauce to grass to perspiration stains.

Coffee Stains: Use a mixture of salt and vinegar to clean coffee stains off of china.

Clean Coffee Maker or Washing Machine: Run vinegar through it, followed by water.

Dandruff/Hair Rinse: Rinse your hair with a cup filled with 50/50 mixture to prevent buildup and dandruff.

Dirty Pots: Fill the pot with water to cover the stain, add one cup of vinegar, and boil for a few minutes.

Remove Glue: Saturate the area in vinegar and scrape the glue off.

Paint Remover: Spray full strength, let soak, and then scrape off the paint.

Laundry: Add 1/2 to 1 cup of vinegar to your wash water, which can brighten colors, reduce the amount of lint produced when drying and cuts down on laundry soap.

Shower Head: Unscrew it and boil it in a pot of 50/50 mixture for a few minutes to loosen deposits.

Bathtub/Shower: Spray scum with vinegar then rinse with water.

Chrome: Spray on full strength vinegar then wipe for a nice shine.

Rust Remover: Soak the rusty items for 24 hrs then rinse.

I’m sure I missed some…what do you use vinegar for?

Wednesday

Focus On: Moolanomy


This is eleventh in a series of brief reviews of personal finance and frugal websites and blogs.

The blog Moolanomy focuses on all of the golden personal finance standards, such as how to achieve your financial goals, how to get out of debt and tips to hone your investing skills. What makes this one stand out from other personal finance blogs is the personality the writer, Pinyo, brings to these topics.

Honest and forthright writing and advice are the hallmarks of this blog, which is just one of many of his online endeavors. I briefly interviewed him not too long ago, and I have to say I think he is one of the very best in this field. Check out his various sites and their archives, and make sure to subscribe.

Send me an email (BuckWeber at gmail.com) if you have a frugal or PF site you would like to see included in this series. If it belongs to you include a few lines about it and yourself.

Monday

Roadside Stands vs. Farmers Markets


Farmers markets and roadside stands are both great outlets to buy home grown goods. My wife and I have shopped at both for years, and each has their own advantages.

From spring into late fall farmers markets are usually held in town; either at a park, town square or along a street temporarily closed to traffic. Roadside stands can be found in town as well but are also found along rural roads and highways.

Markets give growers an outlet to sell their produce to a large group of shoppers, usually once a week, in an organized setting offering a wide variety of products. Stands can operate seven days a week, if they want to, and offer much fewer items than markets because there is just one vendor operating it.

We have found that if you are looking for something a little different, or want to browse a wide variety of food, farmers markets rule hands down. For example, my wife picked up a package of elk patties last time there (very lean and tasty). We have purchased everything from locally harvested honey to homemade peanut butter.

On the other hand if you are looking for quantity as well as quality we have found roadside stands to usually offer the better deals. When we want to cook up and freeze sweet corn, for example, the stand vendor will almost always give a better deal. He has several bushels picked to sell on that day and he will probably be picking more to sell the next day. Since sweet corn is best the day it is picked he would rather sell his produce at a discount than sit on it for another day.

So if you are looking for variety, shop the farmers markets. If looking to buy in bulk, visit a roadside stand.

Saturday

Weekly Roundup


Looking for some alternative money making ideas? Check out Unusual Ways To Make Money for some great, and different, ideas.

LotsofJobs – Unlike some job sites this one is 100% free to both job posters and job seekers.

Brave New Traveler – I really like this one. They sum it up best by saying, “Incorporating mostly original content from staff writers and guest authors, BNT avoids “destination-specific” narratives and instead focuses on topics like philosophy, health, politics and culture.”

10 free online training courses are being offered at the e-Learning Center.

Recent carnivals I have participated in include Blog Carnival - Bringing more traffic to your blog - 14-th Ed. which features some good SEO tips and general blogging advice. The Carnival of Savings - 2nd Edition presents dozens of ways to save on everything from traveling to buying groceries. Thanks to the hosts for including my posts.

Have you ever visited “the nation's record keeper?” The National Archives says “of all documents and materials created in the course of business conducted by the United States Federal government, only 1%-3% are so important for legal or historical reasons that they are kept by us forever.”

Weekly Reminder - A reminder of a useful article you might have missed.
I wrote How I Sell on Craigslist after using the service for a year and offer several tips on how to use it more effectively.

Friday

A Changing Relationship With Money


I wonder how your relationship with money has changed over the last two years or so. Mine started to change when I lost my job in July of 2007 and the paychecks stopped. After over 18 years in corporate America I made the somewhat scary decision to walk away. I received a generous severance and transition package, while my wife continues to work full time at a job she (mostly) likes. We fortunately had paid off our mortgage earlier and had been saving the same monthly amount since then. We owned all of our vehicles and had very little debt.

With us financially secure enough, and with my wife’s blessings, I set off to find out if I could make money without a job. After trying a hauling endeavor, selling on Craigslist and through consignment I decided this was the time to pursue a lifelong dream of writing. What that decision has lead to, so far, is much pleasure and little money. At the old job the ratio was often little pleasure and adequate money.

How much money I earn today is entirely dependent on my own efforts. No matter how hard I worked before, my hourly wage did not change, and a paycheck for exactly the same amount was deposited into my account every two weeks. It didn’t matter if I was dragging on Monday, super productive on Wednesday or ho-hum on Friday, the paychecks continued. Once those disappear you either try to find another job or get creative.

I was preparing supper for our dog recently, shortly after I had checked my Google stats and earnings for The Buck List. I asked my wife how much we had paid for the 50 pound bag of dog food. When she told me I added up the yearly total and remarked that the money I currently earned annually from the blog could support feeding the dog. We both laughed, but it struck me that this is now how I relate to money: compartmentally, from need to need. While we have always lived a pretty frugal lifestyle, the last few years before loosing my job could see us spending $20 or $40 recklessly here and there with zero impact on our budget. Not so today.

I have become much more willing to do menial tasks for cash because they supplement my meager income and break up my writing days. That $20 to $40 recklessly spent in the past has become goal amounts for odd jobs. While we are both currently happy with this new relationship with money (or old, if we consider the first few years of our marriage) we would both like to see the money float up to the level the joy is at.

I feel blessed to have this opportunity to be able to pursue a longtime passion and to try to make money doing it. This experience has reminded me of the difference between making just enough money to scrape by and of making such an excess that you are able to both save and splurge.




Related Reading:




Wednesday

Focus On: All Things Frugal


This is tenth in a series of brief reviews of personal finance and frugal websites and blogs.

The Pennypincher and Tightwad Tidbits are free ezines presented by All Things Frugal that offer frugal and freebie tips and “find answers and solutions to a multitude of questions.” On the website you will find an archive of hundreds of articles on frugal living, saving money, thrift and more. Their Frugal Library contains tips on everything from how to save on appliances to simple living ideas. Go poke around their archives and subscribe to the ezines. You won’t be disappointed.

Send me an email (BuckWeber at gmail.com) if you have a frugal or PF site you would like to see included in this series. If it belongs to you include a few lines about it and yourself.

Monday

Save Money By Foraging


Foraging for food has been practiced by humans long before we discovered the ability to hunt or raise animals for food. The ancient ability of foraging is still practiced, by varying degrees, by many people all over the world. The greater the necessity, the more honed the skills. Many people in Africa, for example, are very tuned into what can be gathered from nature, while here in the U.S. I imagine some would have to look up the definition of foraging. Foraging is very familiar to Freegans, and I would be remiss to not mention hunting, fishing and dumpster diving as other forms of foraging for food.

One of my favorite edibles to forage for in the spring are morel mushrooms; in the summer I will seek out wild strawberries and mulberries and in the fall it’s apples. One way to forage is just to take a walk in the woods or along a stream or river, not looking for anything in particular, just whatever presents itself. Before you get out into the field looking for food it pays to know what you may and may not harvest. My experience has been that foraging on city and county owned land is generally accepted while state and federal parks usually prohibit it.

A temperate climate will, of course, produce a wide variety of options to choose from during the different seasons, but even constantly arid or wet regions will produce pickings.

Foraging can serve as a free supplement to both your grocery budget and your exercise regime. The joy of connecting with nature and enjoying its fresh bounty can be even more rewarding than any monetary savings.

There are a variety of resources available to either get you started or to help hone your skills.

Mother Earth News offers many good articles on the subject, including Foraging for Edible Wild Plants: A Field Guide to Wild Berries and this one on Tame Foraging.

“Wildman” Steve Brill offers an extensive wild plant guide and a recipe section on his site.

Books include:

The Forager's Harvest: A Guide to Identifying, Harvesting, and Preparing Edible Wild Plants by Samuel Thayer

Stalking the Wild Asparagus by Euell Gibbons

Related reading:

How to Save Money by Salvaging

10 Tips on Finding The Great Morel

Does Fishing Save You Money?

Saturday

Weekly Roundup


If you live anywhere close to a national park, monument or other sites make it a point to visit during the fee free weekend of August 15 and 16. Check out the NPS list of parks by state.

Homefair – If you or someone you know are thinking of moving check out their online tools to research the locations you are considering.

Cable TV, video games and the internet has given us the “first generation ever to grow up isolated from nature.” 70% of kids today have a vitamin D deficiency. Check out the NWF site for their Be Out There campaign to see what you can do to help get the kids back outdoors.

How do you know if what you are being charged for auto repair is fair? Check out RepairPal for “independent and unbiased repair estimates, user ratings and reviews, plus advice you can't get anywhere else.”

Visit The Financial Declaration of Independence assembled by The Dollar Stretcher and then take the next step.

Hound claims to be the largest online job search engine. Well, go see for yourself!

Looking for a good, simple homemade noodle recipe? Got one right here for you.

Friday

Politics and Personal Finance: What Can One Tell Us About The Other?


I have wondered from time to time if our political persuasions influence our personal finance decisions, and vice versa. I suppose one could consider which develops first. People who grow up poor by necessity have to focus on food and shelter needs, generally not caring about politics unless adults around them link their situation to uncaring politicians. Growing up in better than poor conditions
might lead to an earlier awareness of politics because basic needs are covered, but whether or not that influences good personal finance habits I have no idea.

My Mom was a lifelong Independent and Dad (who once actually lived in a tarpaper shack as a kid) a lifelong Democrat. Both were very careful with their money, paying off the credit card bills in full each month, keeping an emergency fund, and so on. Dad has almost always voted for Democrats, while Mom could be all over the place. Both liked Clinton. I don’t know what political affiliation my maternal grandfather had, but I remember the old retired millionaire banker (who also grew up poor) being appalled at the deficit Reagan was running up at the time. My brother, who is pretty tight with his money, switched parties last year and caucused and voted for Obama.

I have known people from the left that expect the government to address most every human concern that exists as a “right” but would reject most of those same notions as help they would ask for themselves. I have known people from the right that advocate the least amount of government “intrusion” in our lives as possible and then, when their financial situation changes, are the first in line to take advantage of as many government goodies as possible.

So what can one tell us about the other? In my experience, not much. It seems regardless of political persuasion people will save or not, budget or spend freely, rack up those credit cards or leave them hidden in the freezer. We can carefully guard our own resources while not caring about how the government spends our neighbor’s money. We can also take the government to task for all their “earmark” spending while at the same time buying more house than we need and amassing debt for luxury items.

Seems old Walt Whitman was onto something when he wrote, “Do I contradict myself? Very well then, I contradict myself. I am large, I contain multitudes.”

Wednesday

Focus On: BankFox


This is ninth in a series of brief reviews of personal finance and frugal websites and blogs.

BankFox is a startup out of Cambridge, MA consisting of a “small (but growing!) team of personal finance junkies and tech types.” This free site offers comparative information on bank rates, fees, locations, health, customer service and whether banks have online bill pay or reimburse ATM fees.

When you register with them you can contribute information about banks based on your experiences and use the many online tools they offer. Visit their site and research the massive amount of banking options they can find for you.

Send me an email (BuckWeber at gmail.com) if you have a frugal or PF site you would like to see included in this series. If it belongs to you include a few lines about it and yourself.

Monday

Can You Get a Cheap Haircut Anymore?


I remember back in the 1980’s there seemed to be a proliferation of barber and beauty schools in my area that offered very cheap haircuts by the students. They would get to practice on a live head while you saved money getting a cheap and, hopefully, decent haircut.

With all the cost cutting ideas you see floating around these days I have not read anything on saving money on haircuts. How do you save money on haircuts? Do you use coupons, or cut it at home? Or is it possible there are still a few of those low cost schools around?

Saturday

Weekly Roundup


The Buck List participated in the Carnival of Pecuniary Delights #18 – Celebrity Birthday Edition last week. Check it out for articles on investing, frugality, credit and more. Thanks to the host for including my post.

The next time you are making travel plans give Kayak a try, a travel website search engine.

Work in My Room offers money making ideas for high school and college students.

Buy and sell homemade food using Book of Cooks.

Use Gas Buddy to find the lowest gas prices anywhere in the USA.

Free Printables links to 53 sites offering printable documents and templates.

Check the 2009 State Sales Tax Holiday chart to see if and when your state has a sales tax holiday.