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Old 05-14-2013, 11:24 PM   #1
OrdinaryAvgGuy
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My recent decision to eliminate cable TV has not been well received by friends and family members who frequently refer to me as a tightwad, cheapo, stingy, thrifty, frugal, a penny-pincher, etc. I have heard them all.

This got me to thinking, I bet many of you started this hobby to save money on beer. I know this was one deciding factor for me. (after 6 hours of brewing, bottling and cleaning for a 6 gallon batch I learned the hard way) There has to be some real tightwads on this forum.

Here's how the contest works.

There are 2 rules to the contest:
  1. You must list ways that you save money each month along with the associated savings
  2. You can not be Jewish. Sorry my jew friends, we want this contest to be fair.

For comparison purpose this contest has been broken down into 8 categories: Communication (includes cable/satelite service), car payment, car insurance, health insurance, cell phone, utilities, food and other.

Okay, Ill start

Communications:

Just eliminated cable. Ordered Ooma for phone service $4 per month, internet $45. These are both a must as they are used to pay my bills.

Car payment

Whats this?

Car insurance:

State mandated liability insurance. $41 per month for 2 vehicles

Health insurance:

5k deductible HSA based plan $72 per month (was just over $50 prior to jan 1. Will not get started on this one)

Cell phone

Tracfone baby. I buy the 1 year plan for $200 - 4500 mins. Comes out to $16.66 per month for 375 mins.

Utilities

This is one area that I am not stingy only because I enjoy being comfortable in the summer. Ac stays at 72 degree with electric averaging $130 per month.

Food

Discount shopping when possible. Ollies, Aldi and cringe... Walmart

Other

My wife cuts my hair, refill my car wiper blades to save $7, I only flush it down when brown, wear pants several times until they are soiled or smell, wash my condoms out and reuse them. Just kidding! But I do have a friend that actually does this.

Okay your turn.

Oh, and the winner gets this free book on managing arthritis pain. http://www.all-freemagazines.com/Fre...-Booklet-Free/

Come on, you know you want it. ITS FREE!
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Old 05-15-2013, 01:33 AM   #2
JohnSand
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Well, I'm not hardcore, I still pay cable. But my primary way of saving (aside from being cheap!) is not paying any interest. I've only taken three loans in my life, two mortgages and a college loan. I do use credit cards, but pay off at the end of the month. I saved money, never bought anything I couldn't afford, paid off the house. My current car was my most expensive at $6700. Before that I never paid more than $1200 for a car. Of course I fix them myself. And the stove, dryer, toilet, etc. If I need tools or parts, I go to Ebay or craigslist first. I furnished my last house with yard sale stuff (I was single). Now that I'm a homebrewer, I checked the basement for gear. I already have 20 and 32 quart pots, probably paid no more than $10@.
No debt.
p.s. Don't exclude jewish guys! It's all in fun.

 
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Old 05-15-2013, 01:46 AM   #3
OrdinaryAvgGuy
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Quote:
Originally Posted by JohnSand View Post
Well, I'm not hardcore, I still pay cable. But my primary way of saving (aside from being cheap!) is not paying any interest. I've only taken three loans in my life, two mortgages and a college loan. I do use credit cards, but pay off at the end of the month. I saved money, never bought anything I couldn't afford, paid off the house. My current car was my most expensive at $6700. Before that I never paid more than $1200 for a car. Of course I fix them myself. And the stove, dryer, toilet, etc. If I need tools or parts, I go to Ebay or craigslist first. I furnished my last house with yard sale stuff (I was single). Now that I'm a homebrewer, I checked the basement for gear. I already have 20 and 32 quart pots, probably paid no more than $10@.
No debt.
p.s. Don't exclude jewish guys! It's all in fun.
Sounds like a solid way of saving. Since the age of 18 I have had nearly 20 credit cards - not a penny of interest.

I used them for 12-18 months interest free to buy income generating products and services and paid them off with proceeded prior to the 0% introductory APR expiring.

I would also like to add that having debt is not a bad thing as many believe. Good, low interest debt, such as debt taken out to purchase income producing property is fantastic IMO.

And the excluding jewish guys was only a joke. Hope you guys don't take it seriously. Of course jews are welcome!
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Old 05-15-2013, 01:58 AM   #4
Varmintman
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Well I like to make a dime think it is a dollar and do it by growing or shooting much of the food I eat. No cell phone just basic cable and internet.

Funny thing is I enjoy living this way

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Old 05-15-2013, 02:00 AM   #5
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I'm a tightwad.

What's cable? What's a smartphone? What's AC?

I'm very thrifty. I wouldn't step foot into a Wal-mart if they were giving away everything in the store, though.

I have everything I need, most everything I could ever want, and want for nothing. I don't need a phone that puts me in contact with the world, 200 channels of garbage, discount stores full of junk, or much else.

We have a huge garden, and don't buy food in the grocery store beyond a few things. We get grass fed beef and chickens and eggs from a friend, we hunt and fish, we don't eat wheat or cereal or those type of boxed foods, so we don't spend much at the grocery store. I NEED my coffee, though! I make wine and beer, and other things we might want (cheese, soap, cider, laundry soap, shampoo, etc).

We buy our clothes at thrift stores (local charities, as according to my husband "GoodWill is too expensive!").

For the "bold stuff":

Communications:
Internet must-have. $375/year. It's cheaper by the year- a month free if you pay by the year. Phone- $31.99/month plus tax.

Car payment: Won't do.

Car insurance: Being older is great. One driver, aged 49, one driver aged 58. Insurance is negligible as is our house insurance and cottage insurance. I think, $139/year for the cottage and about $250/year for our house. Car is more, as we have a new big truck, but it's still not bad. I think adding a 2012 Tundra added $49 for 6 months.

Health insurance: Have as retiree from work, not cheap but not too bad for us. $200/month


Cell phone: Listed above. $31.99/month and the only phone we have. It's our home phone number, but transferred to a cell plan.

Utilities: We live in a cool climate. We have central air. It came with this house. I turned it on once last summer, and it worked. Our biggest expense is heat. It's 62 degrees in most of the house that we heat.

Food: Mentioned above, but we buy coffee and stuff. $150/month or so for things we don't get via barter and stuff we "need" like tea and a oranges at times.

other: I don't buy processed food, clothing, hairspray, etc, so we spend very little. We almost never go out to eat, as we get better food at home usually. Haircuts are rare. We don't have credit card bills, a mortgage for either house (we have a lake house), so we live far below our means. That allowed us to retire very early, and spend winters in south Texas on the coast. We don't live luxiously, but we love our life. I get free magazine subscriptions, or I don't get them. I get news and stock market info online.

The way we live seems impossible for many, as I would never go through a drive thru and spend $3 on a coffee. Or even a $1.25 newspaper. I do have a kick-ass brewing rig, and a house on a lake, though!
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Old 05-15-2013, 02:03 AM   #6
OrdinaryAvgGuy
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Quote:
Originally Posted by Varmintman View Post
Well I like to make a dime think it is a dollar and do it by growing or shooting much of the food I eat. No cell phone just basic cable and internet.

Funny thing is I enjoy living this way
Do you have a house phone?
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Old 05-15-2013, 02:18 AM   #7
OrdinaryAvgGuy
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Quote:
Originally Posted by Yooper View Post
I'm a tightwad.

What's cable? What's a smartphone? What's AC?

I'm very thrifty. I wouldn't step foot into a Wal-mart if they were giving away everything in the store, though.

I have everything I need, most everything I could ever want, and want for nothing. I don't need a phone that puts me in contact with the world, 200 channels of garbage, discount stores full of junk, or much else.

We have a huge garden, and don't buy food in the grocery store beyond a few things. We get grass fed beef and chickens and eggs from a friend, we hunt and fish, we don't eat wheat or cereal or those type of boxed foods, so we don't spend much at the grocery store. I NEED my coffee, though! I make wine and beer, and other things we might want (cheese, soap, cider, laundry soap, shampoo, etc).

We buy our clothes at thrift stores (local charities, as according to my husband "GoodWill is too expensive!").

For the "bold stuff":

Communications:
Internet must-have. $375/year. It's cheaper by the year- a month free if you pay by the year. Phone- $31.99/month plus tax.

Car payment: Won't do.

Car insurance: Being older is great. One driver, aged 49, one driver aged 58. Insurance is negligible as is our house insurance and cottage insurance. I think, $139/year for the cottage and about $250/year for our house. Car is more, as we have a new big truck, but it's still not bad. I think adding a 2012 Tundra added $49 for 6 months.

Health insurance: Have as retiree from work, not cheap but not too bad for us. $200/month


Cell phone: Listed above. $31.99/month and the only phone we have. It's our home phone number, but transferred to a cell plan.

Utilities: We live in a cool climate. We have central air. It came with this house. I turned it on once last summer, and it worked. Our biggest expense is heat. It's 62 degrees in most of the house that we heat.

Food: Mentioned above, but we buy coffee and stuff. $150/month or so for things we don't get via barter and stuff we "need" like tea and a oranges at times.

other: I don't buy processed food, clothing, hairspray, etc, so we spend very little. We almost never go out to eat, as we get better food at home usually. Haircuts are rare. We don't have credit card bills, a mortgage for either house (we have a lake house), so we live far below our means. That allowed us to retire very early, and spend winters in south Texas on the coast. We don't live luxiously, but we love our life. I get free magazine subscriptions, or I don't get them. I get news and stock market info online.

The way we live seems impossible for many, as I would never go through a drive thru and spend $3 on a coffee. Or even a $1.25 newspaper. I do have a kick-ass brewing rig, and a house on a lake, though!
Interesting. I never knew we were so much alike.

My wife and I are also snow birds. We have a fall-winter-spring lake home in NC and a summer home in PA. NC summers and PA winters suck.

I would shop at Goodwill but prefer to cloth myself with promotional shirts such as bud light and miller light although I despise their product. The remainder of my clothing is donated by my debt overloaded friends and family members who stay in "style"

BTW, tell me about this internet service that you have. Speed? I'm interested as $31 per month sounds like a fair price.
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Old 05-15-2013, 02:19 AM   #8
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OP: Kind of thought you were joking some. It's a good thing too, I'm 1/8 jewish!
I forgot heat, we keep the house cool, 65 day, maybe 62 night, don't heat the upstairs. I wear my clothes until they wear through, and they tend to be gifts. I don't think I've bought a shirt or sweater for years.
Yooper makes a great point: Simple is better. When we're on the boat (1968, bought for cash, do my own repairs), we wonder why we need so much stuff at home. I just spent a week on another boat, and didn't miss tv at all..

 
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Old 05-15-2013, 02:28 AM   #9
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Quote:
Originally Posted by OrdinaryAvgGuy View Post

BTW, tell me about this internet service that you have. Speed? I'm interested as $31 per month sounds like a fair price.
It's a local "fixed wireless" provider. We live in a (very) rural area, and he came in about 10 years ago with this. We love it. We actually don't use it for two months per year, but Bob won't let me cut it for those two months, as he still uses their email server even when we're in Texas. (the house we rent has cable/wireless/AC/etc/ ).

We put our dock in today, and should be putting the boat in in a few days. (I found the boat via Craigslist, about 60 miles away for a bargain price of $2800 a couple of years ago).

As JohnSand said, we don't really need all the "stuff" we have. I live very simply, really.

I love going kayaking in Texas in a saltwater bay and bringing home a bunch of oysters and some fish and putting both on the grill.

When home, I love sitting by the fire (inside by the fireplace when it's cold, outside when it's not as cold) with my husband and drinking a few beers while listening to music. I walk my dog, talk to the goldfish in my fish pond (that I made with a shovel and some plastic), play with my grandson, play cribbage with my daughter, work a few days a month if I"m lucky, go to the library often (I'm a reader), and spend my days with the most amazing man I ever met.

I think most of these things can't be bought, and it's a good thing as I'm too cheap, er, frugal, to pay for them.
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Old 05-15-2013, 02:35 AM   #10
OrdinaryAvgGuy
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Quote:
Originally Posted by JohnSand View Post
OP: Kind of thought you were joking some. It's a good thing too, I'm 1/8 jewish!
I forgot heat, we keep the house cool, 65 day, maybe 62 night, don't heat the upstairs. I wear my clothes until they wear through, and they tend to be gifts. I don't think I've bought a shirt or sweater for years.
Yooper makes a great point: Simple is better. When we're on the boat (1968, bought for cash, do my own repairs), we wonder why we need so much stuff at home. I just spent a week on another boat, and didn't miss tv at all..
Funny you mentioned a boat. I have a 1960 something 14' jon boat that was donated to me. I take it out fishing on the lake with only a 30lb trolling motor, deep cycle battery and back up ore.

When folks in large, new expensive boats roll by and laugh (yes, this happens quite frequently) I think about how I am just as likely as they are to catch a big fish and don't have a boat payment, have to pay tax and registration fees, pay registration fees on a trailer or pay to maintain my boat. It only requires a new deep cycle battery every 3 years or so.

Not to mention, I am able to go fishing any day of the year, any time of day for as many days as I desire because I'm not at work supporting my spending habits.
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