Saturday

Weekly Roundup


The Buck List participated in two carnivals recently. For a wide variety of personal finance articles check out the Carnival of Personal Finance Thanksgiving Survival Edition and the Economy and your Finances Carnival 22nd Nov 2009. Thanks to the hosts for including my posts.

Are you or someone you know currently attending college? If so, you most likely know about the high costs of textbooks. What if you could avoid buying them altogether? Visit Chegg for details.

If you have ever had trouble opening a file with an alien looking extension you will appreciate the time and effort that has gone into Open With.

Post of the Week – A personal finance post I found to be exceptional.
One of my favorite personal finance topics is how to make some side cash, and this article shows you Ten Creative Ways to Earn an Extra Income. I have tried five of the ten ideas listed and have made money from each of them.

Type in your zip code and find out what others really paid for their cars at True Car.

Celebrity Calamity is a financial teaching tool disguised as a game. You are in charge of helping an up and coming star manage her money by advising her on how to pay for purchases and what jobs to take.

“The premise of Blue Zones is: identify the optimal lifestyle of longevity and you have a de facto formula of longevity.” This site is all about living longer and is very much worth your time to visit.

While it at first seems be an SNL joke page, Uneven Feet is the real deal to help you find shoes for, well…your uneven feet!

Weekly Reminder – A reminder of a useful article you might have missed. I wrote this article about how to offer your services for barter or cash.

Friday

Ten Outdoor Ideas To Keep The Kids Busy This Winter


Winter can sometimes be a challenging season to keep kids occupied. Hearing the dreaded statement “I’m bored” repeatedly can almost bring a parent to the brink. To avoid hearing it this winter, or at least not as often, here are ten ideas to keep the kids busy by getting them outdoors this winter. If you live some place that does not get cold and snowy these won’t work for you. But that’s okay, because you live some place that doesn’t get cold and snowy!

Take them sledding. After some decent snow fall and once the roads have been cleared pack up the sleds, a thermos of hot chocolate and head for the hills.

Build a snowman, or lady, or a whole family. Try making snow animals, too. Don’t forget snow angels.

Have a snowball fight. No head shots!

Build a snow fort, or several, AND THEN have the snowball fight.

Take a walk around your neighborhood or local park while it is snowing. Try to catch snowflakes on your tongue.

Drive or walk around town looking at Christmas lights.

Take them ice skating.

If they are old enough encourage them shovel snow in the neighborhood. A good energy burner AND money maker.

Have an outdoor winter bonfire. Many county and state parks have fireplaces in their shelter houses that are open to the public year round.

Take them on a sleigh ride. A Google search for my area turned up rides offered at a county park, a private farm, an orchard, a Bed & Breakfast and a sports park.

Wednesday

Frugal Recipe: Tuna and Noodle Casserole


You could get away with paying under $3 to buy the ingredients that make up this basic recipe. This is one of our oldest recipes, one that we made even before the kids came along, and it’s a quick and delicious meal we still enjoy.

Ingredients

Package of egg noodles, cooked

One can of tuna

One can of cream of mushroom soup

½ cup milk

Handful of crushed potato chips

Directions

Mix first four ingredients in baking dish then sprinkle with chips. Bake, uncovered, at 350 degrees for 20 minutes or until heated through.

Some people add peas to the mix but since I don’t really like peas they get served with the meal as a side. I know, what a big baby!

Over the years I have experimented with tweaking this recipe, having tried the following variations:

Use ½ can of evaporated in place of regular milk for a richer flavor

Add some shredded cheddar cheese and parmesan cheese

Substitute Italian seasoned bread crumbs for the potato chips

Sauté some onion and celery and add

Season with garlic and dill weed

In a blender add some cottage cheese, sour cream, one egg, some shredded cheese, ½ can evaporated milk and the mushroom soup then mix and pour over the tuna and noodles before baking.

Add extra can of tuna

Add all of the variations at once and you won’t even know you are eating tuna and noodles!

Monday

Black Friday and Cyber Monday Deals




Black Friday and Cyber Monday deals seem to start earlier and earlier every year. Here are twelve sites to help you get a head start.

Black Friday

The Black Friday

BlackFriday.info

Black Friday 2009

Black Friday Ads

Black-Friday.net

Cyber Monday

Cyber Monday 2009

Best Cyber Monday Sales

Cyber Monday.net

Cyber Monday.com

Cyber Monday Central

Cyber Monday News

Happy Shopping!

Saturday

Weekly Roundup


Casinos advertise help for gambling addicts and I have actually seen AA ads in bars. Help With My Credit is the concerted effort of major credit card companies to help “educate” you while you are struggling to make payments. What’s not to trust here?

Energy Star is one of the few US Federal websites that I actually have bookmarked and use occasionally. They have some good money saving ideas on heating and cooling your house, among other money saving topics. If you have never visited, or it’s been a while, check them out.

If you are a crafter, quilter or sewer you might already know about Shoppers Rule. If not, what are you waiting for?

I had to chuckle a little at this one. If you are of a certain age, lets start with around 40, you might find Evernote to be helpful. You just have to remember where you bookmarked it.

Post of the Week – A personal finance post I found to be exceptional.
Since our kids are grown I don’t think much about saving money and babies, but this article about baby products you don’t need caught my attention.

Need to convert? No, this site does not address religious matters; I’m talking from HTML to PDF. Here is a free program to accomplish that that you don’t even need to install.

The next time you’re thinking about buying new electronics head over to Gazaro. They can provide price trending, price drops, reviews and more for what you are looking for.

Weekly Reminder – A reminder of a useful article you might have missed.

Here is a brief article I wrote pointing out some work at home ideas.

Friday

What We Buy Used Vs New


It might be because my wife grew up with so little and I was brought up in a frugal home that it just came naturally to us to buy used. The few pieces of furniture and household items that we brought from our single lives into our marriage were mostly hand me downs from our families. As we lived in and moved from apartment to apartment we started to accumulate a little more here and there, all the while learning about where and what to buy used.

We now own an 83 old story and a half house full of used furnishings with three used autos in the driveway and a garage full of mostly used tools including a used snow thrower and lawn mower. While wondering about how to approach an article on buying used items to save money I got to thinking about the things that we bought new, as well. So it morphed into a new verses used piece, which might be more helpful anyway. Or maybe not. Anyway, here it is: my comparison of what we buy new verses used and why.

Automobiles
This is a no brainer I have written about before. Check out How to Buy a Used Car for my opinion on that subject. Hint: Don't buy new.

Clothes
When our kids were preteens it worked perfectly to buy used clothes for them, or for them to receive hand me downs from family. Once they entered the magical world of teenhood they would instantly break out in a rash at the thought of wearing used clothes. As for us we have no problem at all buying and wearing decent used clothes, usually found at thrift and consignment shops. I have to admit my wife has an affinity for Penny’s, Kohl’s and Younkers but I probably balance out the used equation because I rarely buy clothes, and when I do I check the thrift shops first.

Furniture
The fact that some of our furniture was picked up off of the curb might give a clue to what side we fall on in this category. The front porch has wicker chairs that were curbed, and a shelf bought at a flea market. As I began to mentally go through the house thinking of what furniture was new verses used I decided it would be much easier to just list the new: the loveseat and ottoman, the kid’s beds and a lamp. If it’s clean and in good shape (and sometimes free) why buy new?

Movies and Music
There are a couple of used CD and DVD stores in our area where we buy the majority of our movies and some CD's. New release movies we know we want to own are bought new, of course, as well as music, but usually we can wait and copy the CD from the library. Internet MP3 downloads and iPods are not for me. I just can't take the awful compressed audio quality. Sorry, but Ozzy will never sound better than being blasted via vinyl or CD through my Cerwin Vega speakers. Unless in concert.

The Kitchen
This one is mixed. We have Pampered Chef stuff that was all bought new or received as hostess gifts, thanks to my wife going through several Pampered Chef phases, while some other things are used. All of our drinking glasses, cups, plates and casserole dishes are used while the blender, slow cooker, mixer and electric knife all came to us new, usually as gifts. We just received a used coffee maker, so we really are all over the board in this category.

Appliances
There was a time, early on, when our budget only allowed us to buy used washers, dryers, refrigerators, etc. Today we will only buy new. All of the above mentioned as well as our stove and deep freezer were bought new. Considering the quality, affordability and longevity of life you get with most modern large appliances we have decided buying them new is the most cost effective way to go, especially with almost yearly manufacturer improvements in efficiency. The stove we bought used that turned out to be infested with cockroaches might have been a turning point in our thinking on this one, too.

Books
My wife and I both love to read, so much so that we really could not afford to buy our books new. The special ones we know we will keep and add to our collection are usually on our Christmas lists. Specific new releases we want to read but not necessarily buy we will check out from the library. Otherwise it’s flea markets and the Half Priced Book Store for us, where you never know what you will find.

Electronics
All of our current electronics were bought new, with the exception of our refurbished desktop computer. As was the case with most everything in our early days my wife and I would buy TV’s and stereos used, usually at garage sales, but today we buy all of these items new. I think it’s because we hold onto and use them for so long, usually until they break, that we don’t think twice about “treating” ourselves to buying them new.

When and Where
When we buy new we will wait for some kind of a sale or special offer. When buying used we target garage sales and moving sales. Sometimes the best deals can be found on the last day of the sale when people are needing/wanting to get rid of the stuff and will let it go for very low prices. Flea markets and thrift shops are another good source, as well as consignment shops and auctions. Letting your family and friends know you are looking for something specific can lead to good deals and freebies, too.

So when it comes to buying new we go with appliances and electronics every time. Most everything else we are fine buying used, and what’s not to like about buying inexpensive, quality items that someone else paid full price for?

Wednesday

Focus On: MSN Money


This is the last of a series of brief reviews of personal finance and frugal websites and blogs. Next month I will be introducing some new features to replace it.


The MSN Money website offers articles, tips and advice on banking, investing, personal finance, taxes, real estate, autos and careers. And that's just for starters. Also found on the site are several financial tools such as calculators, planners and estimators. Make sure to visit their Smart Spending blog as well, which serves as an aggregator of money saving tips from MSN Money and other websites.

Monday

Ten Best Home Improvement and DIY Sites


Whether you are faced with a fix it emergency or are wanting to plan a future home improvement project it is worth being prepared with accurate information. I have several home improvement books that I bought years ago that I still refer to from time to time but I have found the Internet offers the widest and most comprehensive instructions I can find. With no further introduction needed here are my favorite home improvement and DIY sites.

DIY Network – This companion site to the TV network offers thousands of pages of easy to follow instructions as well as an extensive video library.

Handyman USA – This site covers everything from automobiles to gardening to wallpaper. They also offer a Handyman listing in case you can’t do it yourself.

Home Tips – Don Vandervort offers plenty of tips as well as a searchable forum.

DIY Chatroom – If a project has you stumped visit this site to search their forums or post a question for their large online community to answer.

Instructables – This fun site breaks the mold of usual offerings by providing DIY information on everything from food to tech to how to make a Gene Simmons Destroyer costume. Seriously.

5min – If short video presentations are more to your liking this is the site for you. They say they have “tens of thousands of videos across 20 categories and 140 subcategories.”

DIY Ideas – No list like this would be complete without mentioning the Better Homes and Gardens DIY site.

Ask the Builder – Tim Carter has been answering home improvement questions for years and shares them on his website. The article comments left by readers usually add value to the project being discussed.

This Old House – After 30 years of restoring old houses on the TV show this site has quite a bit to offer. I like the tool review section.

Bob Vila – It would be some kind of a DIY sin to omit Bob from the list. The former host of This Old House shares his home improvement expertise with articles and videos and provides a reader Q & A forum.

Related Reading:

Do It Yourself Clubs

How to Save Money by Salvaging

Borrow, Rent or Share Those Tools

Saturday

Weekly Roundup


City Squares is an interesting site that profiles local businesses that might not have a web presence. Type in your town or city and you might find some hidden gems in your own neighborhood.

Wouldn’t it be nice if all that time you spend on social networks could make you some money? Spiff Box might be what you are looking for. They have a points system that could earn you money by “responding to emails, chats, friend invites and sharing photos!”

Post of the Week – A personal finance post I found to be exceptional.
The Dollar Stretcher offered a great article reminding us of the value of haggling, negotiating, bargaining and bartering.

Visit Flu.gov for answers to your flu questions and to use their flu shot locator.

Half Off Deals “currently has over 41,000 half-priced gift certificates for sale from merchants all across the country.” Visit their site and search for deals in your area using your zip code.

I have subscribed to the Ask The Computer Lady newsletter for years. Her question and answer format concerning computer issues is easy to read and full of helpful hints and tips. Make sure to check out the archives on her site, too.

Tired of getting all of those catalogs in the mail that you don’t even look at? Save a few trees by using Catalog Choice to opt out of the ones you don’t want.

Weekly Reminder – A reminder of a useful article you might have missed. Are you looking for a new recipe, or wanting to duplicate a favorite restaurant meal? Check out this post listing a variety of web recipe sites.

Friday

Don't Forget the Newspaper for Good Deals


The first few years of our marriage found my wife and I scrounging to save money and find deals, and one of our trusty standbys was the local newspaper. The Sunday edition was our favorite because of the load of coupons that came with it, and remains so to this day. While many today might not think about the lowly, archaic newspaper as a place to find anything but yesterdays news, this is a quick reminder of what you might find by picking one up.

Manufacturers and local grocery store coupons

Movie specials

Sports park coupons

Free classified advertising for items under a specific value

2 for 1 restaurant meal deals

Announcements of grand openings giving away freebies (sometimes including food)

Volunteer opportunities

Garage Sale listings

Employment listings

Many of the mid to large size papers also maintain a web presence worth a visit for additional deals and links to other sites.

If it’s been awhile since you’ve picked one up give it a try, you might be surprised at how relevant they still are.

Wednesday

Frugal Recipe: Hamburger Casserole


This recipe is part of a series of occasional frugal recipes. If you have a frugal recipe you would like to share send me an email at BuckWeber (at) gmail.com. If I use it I would be happy to link back to your site or blog.

Here is yet another quick, easy and frugal recipe handed down from my Mom. This was usually served in the fall and winter months, rather typical timing for casseroles, and just might be easiest meal we prepare in our house.

Ingredients

1 lb. hamburger, formed into four patties

½ onion, sliced into rings

4 – 5 potatoes, sliced

1 can cream style corn

Worchester sauce

Salt & Pepper

Instructions

Layer into covered casserole dish or Dutch oven as follows:

Corn, potatoes, hamburger patties, onion slices. Add ½ cup water then sprinkle with salt, pepper and Worchester sauce. Bake covered in oven at 350 degrees for 1 to 1 ½ hours.

That’s the basic recipe. We have experimented with adding cream style soup, tomatoes, cheese and other veggies, for example, but we always come back to the original.

Enjoy!

Further Reading: Chipped Beef Over Chow Mein

Monday

Five Free Software Programs For Everyday Use


When we bought our first personal computer in 1996 for my wife to work from home on we only had a vague notion of what the Internet was. A few of us at work had PC’s, but none were online, and most of us just had IBM mainframe terminals to work on. Using the AOL software preloaded on our home PC we decided to check it out. The dial up modem crackled and hissed to life and, finally, connected us to the AOL homepage where a hearty male voice greeted us with a cheerful “Welcome!” We were hooked from day one.

Over the next few months while getting acquainted with the contraption and talking with a few others that I knew who were also online it became apparent that there were free alternatives to all the enticing and expensive software offers preloaded on my computer. During the following years I have tried a lot of freeware for all kinds of applications. I decided to limit myself to picking only five of my favorite free software programs.

PC Tools Firewall Plus – I have used this free firewall for a while and am very happy with how easy and seamless it runs. We have since set up a home Wi-Fi network and even though I was assured the router firewall would be sufficient I leave this one up and running anyway.

AVG Anti-Virus – I have been using this software for a number of years and I like its ease of use. If I had not already been using this anti-virus software I probably would be using the all-in-one bundle program offered by PC Tools.

Spybot – Another program I have been using for years, this one zaps adware and other nasties. The only drawback I have encountered is it seems to freeze up occasionally while scanning. I will keep it because I have been using it for so long but this article might really be leading me to try the full PC Tools package. And no, this is not a secret, paid review for PC Tools.

Open Office – We purchased a laptop over the summer and annoyance with the limited, trial version of Office that came loaded on it led me to finally give Open Office a try. What I have used so far has been very easy to understand and overall I have liked the experience.

RoboForm – This is a password manager and form filler that we use primarily for the form filling option when entering sweepstakes or sending away for freebies. Fast, simple and free.

Bonus Freeware: When my old desktop really started slowing down I looked around and discovered Smart Defrag. I installed it and it really seemed to make a difference. It runs all the time in the background and doesn’t make a peep. I see PC Tools also offers a defrag utility but I really like how fast this one runs, so I’m sticking with it.

Bonus Site: Giveaway of the Day offers different licensed software to download for free every day. Sign up for their free newsletter for daily alerts as to what is available.

Friday

Weekly Roundup


Find parts for your appliances and repair help at Repair Clinic.

If you have any old electronics sitting around the house gathering dust why not take a couple of minutes to find out if they still have any value. Go visit You Renew to see what they are worth. Hey…free shipping!

Post of the Week – A personal finance post I found to be exceptional.
I actually have two this week; one is a leftover I just had to include. The Boston Globe recently ran an article about Internet panhandlers. Wow! Where there’s a will there’s a way! I also liked this article on how making money takes practice. Make sure to read the comments, they are as interesting as the post.

Check out Good Guide where you can “search or browse over 70,000 food, toys, personal care, & household products to see what’s really beneath the label.” I don’t care what they say about my Skippy Super Chunk, it’s staying in my cupboard.

So…what to do when your hippy philosophy is offended by what you consider to be your lesser, sell-out sibling? You start up Free Use. Actual quote from the site: “You see, we believe that giving things away for free…came about the time man separated from primates, as a species.”

I am interested in blending words to convey a new meaning. Taste Casting caught my attention for that very reason. What is it? Click and find out.

Weekly Reminder – A reminder of a useful article you might have missed. I wrote this little article on how to start a do it yourself club.

The Buck List participated in three carnivals recently. Check them out for a wide variety of personal finance articles. Thanks to the hosts for including my posts.

Personal Finance News Blog Carnival Volume 9

Economy and your Finances Carnival Oct 25 2009

Carnival of Personal Finance #229: candy edition


Special Note: I am posting this Weekly Roundup on Friday, rather than Saturday, because I am going camping this weekend and am NOT taking the laptop.

Have a great weekend!

Wednesday

Focus On: Christian Personal Finance




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

Bob Lotichs story of amassing a load of debt, experiencing an awakening then climbing out of the sea of red is a common one among personal finance bloggers. He also believes in making, saving and growing money and, here is where the similarities end, giving it away. He believes “there is a much better and higher purpose for our money: to build God’s Kingdom and help others.” I encourage you to visit ChristianPF, poke around his archives and read more about his story and mission. I am betting you will find yourself a subscriber, too.

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

Other Uses for Rubbing Alcohol


Rubbing alcohol has traditionally been used externally to relieve muscle and joint pain and as a disinfectant to clean things. While we are happy to include it in our medicine cabinet for those occasions this amazing product has many more uses than that. The following is a list culled from the internet and books I have at home illustrating the multiple uses of this versatile concoction.

Sterilize items, such as thermometers.

Clean your printer and VCR heads.

Use it as a disinfectant on doorknobs, toys, in the bathroom, kitchen, etc.

Apply to help dry up a cold sore.

Clean windows and other household appliances when mixed with vinegar and baking soda.

Many lists mention using it as an antiseptic for wounds, but if you have ever experienced that pain before hopefully you switched to using the much more effective and less painful hydrogen peroxide.

Use it to get grease out of a carpet by applying it to a rag and lightly rubbing the grease stain.

Use it to treat athlete's foot.

Clean your phone with it.

Remove ink stains from your clothes. Did you ever pull one of those nerd moves and put your pen in your shirt pocket without the cap on? Try soaking the spot in rubbing alcohol for a couple of minutes before washing it.

Use it to shine up chrome appliances and bathroom fixtures.

Spray your car windows before a frost and then just wipe the frost away.

Remove ticks. Dip a q-tip in rubbing alcohol, dab it on the tick and pull it off.

I read this summer somewhere to spray it on your garden and outdoor plants to get rid of bugs without harming the plants. I am going to test that one out on a plant or two next spring.

Wash windows with it and spray onto mirrors to keep from fogging.

Remove black marks from shoes and grease from wall paper.

Use it to remove sticky stuff from your hands, such as honey or tree sap.

Dab it on mosquito bites to relive the itching and dry out the bites.

One list included using it to dissolve marijuana tar residue ("resin") from smoking paraphernalia. Wow, man!

Eliminate fruit flies in your kitchen by spraying them with rubbing alcohol.

Use it to remove nail polish and permanent marker.

Clean jewelry with it.

Apply it to bruises to reduce the swelling and get rid of black and blue marks.

Going to pierce something on your body? Break out the rubbing alcohol first.

Related Reading:

Vinegar: Is There Anything It Can’t Do?