Day 27: Only shop the perimeter of the supermarket.

This is a classic frugal tip that is so good, it bears repeating. Supermarkets aren’t a good place to buy toiletries and many household consumables (diapers, paper plates, deodorant, etc.), so only shop the perimeter.

Most grocery stores are laid out in a “box” pattern with vegetables on one side, dairy and meats along another (usually the back due to theft concerns) and breads on the other side. Anything in the middle falls into one category or another:

1. Make it instead
2. Don’t buy it at all
3. Buy it elsewhere.

The one area that I stray is with pasta. One store we go to keeps it with bulks in the back—another with ethnic foods in the middle. I’ll run around and get some pasta—even though it’s easy to make at home.

This post is part of a series I’ve entitled “Frugal August” and is inspired by (though not copied from) the book The Complete Tightwad Gazetteby Amy Dacyczyn. My tips are meant to build on hers, but generally are not duplications.

Day 26: Coupons

There’s a hard and fast rule about couponing, which differentiates a tightwad from a cheapskate. Truly frugal purchases (by tightwads) are made of only the needed items.

For example—I keep coupons for stores that work on any product. My 20% off at Office Depot recently made a purchase of paper competitive to my regular supplier when they were out.

But a coupon for brand-name diapers is only “good” if it reduces the price of the diapers more than the price of a comparable store brand. I have a few coupons in my coupon box for deodorant. We don’t have a huge brand-loyalty to that particular item, so when we price-compare, we’ll just deduct the thirty cents from that brand before we compare with the others on the shelf.

Coupons only save you money if you’re buying an item you were already going to buy, and if there isn’t a better deal without a coupon.

This post is part of a series I’ve entitled “Frugal August” and is inspired by (though not copied from) the book The Complete Tightwad Gazetteby Amy Dacyczyn. My tips are meant to build on hers, but generally are not duplications.

Day 25: There’s an outlet for everything.

No, I’m not talking about what you plug in at home—I’m talking about outlet stores. They’re great! You may be able to locate an outlet store for practically anything, but since buying used is usually best—consider what you have to buy new and look for an outlet that way.

I live between a bakery outlet and a beef-jerky outlet. Granted, I don’t buy a lot of beef jerky, but it’s just a good example.

Many dairies have cheese outlets. I buy all underwear for the family new, but have found some excellent outlet stores (one even offers a “bra punch-card”—buy six get one free). There’s a great directory of outlet stores online here: http://www.outletbound.com/cgi-bin/indexob.cgi

This post is part of a series I’ve entitled “Frugal August” and is inspired by (though not copied from) the book The Complete Tightwad Gazetteby Amy Dacyczyn. My tips are meant to build on hers, but generally are not duplications.

Day 24: Make it!

Make what you can. Some people cut their milk ½ and ½ with powdered. (I do this only for baking—the family won’t drink it. Some make bread (though for $0.89 at the Win-Co, I can’t justify this). There are some things that can be made without a loss of quality, or even better than if you were to buy it.

Shredded newspaper can be used as kitty litter (just put it through your paper shredder). We make home-made laundry detergent, and home-made bubbles (for the kids to play with outside). I don’t make clothes, but we aren’t shy about buying clothes that need minor repairs (zippers, buttons, etc). I experimented with home-made dishwasher detergent, but my variety was leaving a residue, so I just cut my dishwasher detergent ½ and ½ with washing soda, which works great.

Preparing meals at home is certainly the easiest way to be frugal. Freeze home-made meals for sometime when you’ll be rushed and tempted to buy out. Here’s a few menu ideas: Lasagna, enchiladas, home-made pizza.

This post is part of a series I’ve entitled “Frugal August” and is inspired by (though not copied from) the book The Complete Tightwad Gazetteby Amy Dacyczyn. My tips are meant to build on hers, but generally are not duplications.

Day 23: IMEX

In my area, (Seattle metro area) our county offers a catalog called the IMEX—or Industrial Materials Exchange. This catalog shows all kinds of items that might otherwise be landfilled. Extra paint, tile bits, buckets and containers, etc. I’ve used the IMEX to find items before—but you can also use it to offer items, much like freecycle on a large scale. With IMEX however, there are often nominal fees for the items.

http://www.govlink.org/hazwaste/business/imex/

This post is part of a series I’ve entitled “Frugal August” and is inspired by (though not copied from) the book The Complete Tightwad Gazetteby Amy Dacyczyn. My tips are meant to build on hers, but generally are not duplications.

Day 22: Cat Litter

Sorry for you non-cat owners. Today won’t be especially relevant. I’ve got to tell the cat owners out there about something I’m a big fan of. It’s a product called “Worlds Best Cat Litter” (yes, I just blogged my cat litter). The stuff is made of recycled corn cobs diced into tiny bits. It’s very low-dust and is super absorbent.

The litter is flushable, but we toss it in the garbage as we have a juvenile litter-changer here who gets a little overzealous with the flushing.

Arthur, our cat, who's worth every cent spent on litter. Because this litter is so absorbent, it clumps super-fast and stays odor free. We empty the clumps out of our cat’s box every day, and only change the crumbs in the pan every other month (with no odor!). When you see the litter, it’ll give you sticker shock. We buy a big bag for about $25, but it’s six months or more of litter. Since it’s not clay, tracked bits don’t scratch floors or furniture. It’s low on dust, there’s no odor at all and it’s environmentally friendly.

I realize it’s very strange to blog cat litter as a “frugal family find” but crunching the numbers on consumables is a great way to save money around your house. (Not having pets is also a great way to save money, but personally, I think our cat is worth it.

Note: this is not a sponsored post and I have received no compensation for endorsing this product—it’s the real deal).

This post is part of a series I’ve entitled “Frugal August” and is inspired by (though not copied from) the book The Complete Tightwad Gazetteby Amy Dacyczyn. My tips are meant to build on hers, but generally are not duplications.

Day 21: Dumpster Dive at Home.

Yeah, I really said that. Take a good hard look at everything you throw out for a week. Why are you throwing it away? It didn’t come into your house for free—have you used it to the full extent of its life? Can you re-use something one more time?

Every day our daughter brings in the paper, salvages the bag it’s delivered in and uses that to clean out the cat litter. We hang on to the rubber band from the newspaper for craft projects. It seems that practically everything we throw out could have been used for another purpose.

I always thought it was a tacky cheapskate thing to do, to keep yogurt cups and cottage cheese containers and re-use them for leftovers, but now that I have kids loosing expensive store-bought containers at school or under the seat of the car, etc., I’m just as happy to loose a yogurt cup. Call me tacky, at least I’m not angry about the missing plastic-ware.

I compost almost everything I can. Junk mail, bank statements (yeah, steal that ID thieves!) coffee grounds, vacuum dust and lint from the dryer. There’s something satisfying about watching the MasterCard statement being eaten by worms and then growing mint for my mojitos.

We throw out one kitchen-sized bag of garbage per week, and mostly that’s cat litter and leftovers past their prime. A substantial decrease from where we were about three years ago.

This post is part of a series I’ve entitled “Frugal August” and is inspired by (though not copied from) the book The Complete Tightwad Gazetteby Amy Dacyczyn. My tips are meant to build on hers, but generally are not duplications.

Day 20: Reduce Your Expectations

Going from a lifestyle of excessive consumption to a frugal lifestyle is a shock.  Mostly because it’s very empty looking.  Right now, my entertainment center is empty.  I’m writing in the living room, and seeing a blank space. Why? Well, the TV is in the bedroom for the night.  The A/C is on in there and my husband wanted to watch a movie.  Rather than having two TVs, we simply pick up the one and move it to the other room.

Eliminating the expectation of rooms filled up with “stuff” can be percieved as weird, but it’s sure a lot easier to dust. 

Image credit: Freedigitalphotos.netOne area you may notice this especially is in the area of gift giving. Scaling back your gift-giving can be especially challenging.  My best advice is to go in little increments rather than all in one.

A few years ago I hosted a bridal shower for a dear friend, and when I sent the invitations I sent an index card with instructions for guests to bring it back with a favorite heirloom family recipe.   I compiled all of the index cards in a discounted wedding photo-album from a craft store as a “brides first cookbook.”  Now when she goes to make her husband some cookies, she can use his mom’s favorite recipe and when she craves comfort food she can make her dad’s mac and cheese.   We filled in the album later with snapshots taken at her bridal shower and additional recipes from loved ones that she requested for her collection.  Sometimes buying more/bigger stuff doesn’t make for “better” stuff.

This post is part of a series I’ve entitled “Frugal August” and is inspired by (though not copied from) the book The Complete Tightwad Gazetteby Amy Dacyczyn. My tips are meant to build on hers, but generally are not duplications.

Day 19: No.

Now that you’re acclimated to some extra frugal ideas, here’s something else to try out. Say no. Or even just think about it. What would happen if you say no? What’s the worst? What’s the best? Try “no, I’m not buying everyone a holiday present—we’ll do an exchange” or “no, we’re not going to eat steak every night this week” or “no, I’m going to skip the movies and rent it on DVD.” “No thanks, I don’t need fundraiser cookies.”

Image credit: freedigitalphotos.net

Image credit: freedigitalphotos.net

I’ve gotten good at saying no to others. My weakness is still saying no to myself. “No, don’t buy chocolate on impulse.” “While the new shoes are of good quality and on sale, no, I don’t need them—I already have a pair like them in good repair.” Just remember, any “no” is some dough saved.

This post is part of a series I’ve entitled “Frugal August” and is inspired by (though not copied from) the book The Complete Tightwad Gazetteby Amy Dacyczyn. My tips are meant to build on hers, but generally are not duplications.

Day 18: Co-op

I discovered co-ops accidentally. In my very, very broke college days, I made it through by house-sitting for professors as they went on leave to teach abroad. For 18 months I lived rent-free caring for houses in much nicer neighborhoods than the student housing. One of these places happened to be across the street from a food co-op.

Image Credit: Freedigitalphotos.net

Image Credit: Freedigitalphotos.net

Having just a laundry basket and a bicycle to my name, this appeared to be my only realistic option to for grocery shopping. There was a positively crushing membership fee of $35 annually, which I didn’t pay because I didn’t have that much cash. Instead I opted to accept the prices a few cents higher on each purchase.

Generally, my purchases there were limited to a tiny amount of chicken every other week, corn tortillas, cheddar cheese, jalapenos, potatoes and onions.

The house I was caring for had a good tomato garden and some herbs. From this I could make tasty quesadillas and salsa for next-to-nothing and rice for breakfast and lunch. (My food budget was $50 a month in the summer of 2000).

Co-ops pool resources and buy in bulk sharing the savings with the membership. There are some famous co-ops that you might not even realize exist (REI is a co-op).

Now I rely on more informal co-ops. A friend organizes a co-op with the mail order food company Azure. I haven’t participated yet but I’m working on my list and price comparison sheets to determine my order for winter. I could buy 10 pounds of oats and use them, but I think the bag size is 25. I could use ¼ pound of cinnamon, but not 1 pound, so it’s a little hard to develop a list.

This friend has several people that put in the orders together and then the food is all delivered by tractor-trailer to a central location—where everyone comes to pick up their orders. Some things will definitely be going on this list—like peanut butter, flour, some spices, but other things are going to need more careful consideration (how much butter do I want to freeze in the name of a good deal?). A co-op can be formed in an organized way via a membership club, but even splitting a jumbo box of diapers from Costco with a pal can save you some serious dollars down the road.

This post is part of a series I’ve entitled “Frugal August” and is inspired by (though not copied from) the book The Complete Tightwad Gazetteby Amy Dacyczyn. My tips are meant to build on hers, but generally are not duplications.