It's the principal of the matter ... Literally!

One of my all time greatest annoyances (i refuse to use the saying "pet peeves"), is getting gypped by cashiers. It's one thing to have it done every once in a while, but it happens allllll the time for me! Maybe i'm just super unlucky, but i seriously have to question a receipt at LEAST once a week.

Just the other day I was picking up a bbq sandwich with mashed potatoes, and it rang up as $13.00. Being in DC i didn't think much of it at first, but then a co-worker's meal rang up at $11.00, and he got MORE than i did, i was like wtf!, right?

So i asked the cashier why mine was more, and i got back a very annoyed "well i'm Sorrrrrrry okay, i thought you got something else!" wow. Anyone who knows me can tell you i'm a pretty un-confrontational guy (you know, those who curse people out in their head, but never to their face), so why this girl had to get all uppity was beyond me.

At any rate (a saying that i do like), she had a manager correct the bill and i gladly accepted my $3.50 back. That's a HUGE difference!

So, what do YOU do when this happens? Do you go back, cut in line, and begin your questioning - others call this "bitching" - or do you simply let it slide? I don't think there's a solid answer here, but i do know there's a way to avoid it altogether.

How do you avoid this? Simple. Review your total BEFORE you pay.

That's all there is to it. No one else is gonna look out for your wallet, so making it a habit to pay attention can go a long way. And if you slip, don't worry about it - you're only human like the rest of us. That being said, it's not always easy. A whole bunch of variables can play a part in speaking up:

The point at which you notice this discrepancy.
For me, this is the determining factor. If i've made my purchase and am now sitting on my couch back at home realizing that an error has occurred, there's no way in hell i'm going back to raise a stink about it. I usually blame myself for not catching it earlier, and try to take home a nice little lesson from it ;) which i will no-doubt repeat again at another time anyway...haha.

If i notice it while mid-swipe of my credit card, however, you better believe i'll bring it up! These occurrences are the best because i don't even have to think about it - i just react naturally.

The actual amount in question.
I'm willing to guess this is the biggest one for people. If you got gypped a couple of pennies, i doubt you'd bring it up no matter where you notice it, it's just not worth your time. As the amounts go up though, i say from about 50 cents and up, the odds you'll speak up go along with it.

For me, this amount is usually around 75 cents - once it hits that mark, i'll start asking questions right away. Now, if i'm at home realizing this, then forget about it. I'm not gonna waste my time going back. BUT, if i'm at home and the amount is a good $4.00+, i'd be tempted to turn back around! Or at the very least call the store and see if i can do something about it over the phone.

The strictness of your budget.
A couple of dollars to one person can mean a whole lot more to another, especially if you have a family to look out for. At least that's what they say ;) I think your age also plays a big part in this. My grandma would hold up a line for 10 cents, bless her heart, while i was to lazy to pick up a dime yesterday on the street (sorry Mr. Change Race!).

The Confidence you have, or do not have, in yourself.
It takes balls to speak up when this stuff happens, no doubt about it. It's one thing if you're the only one in the store on a weeknight, but you drop that person downtown in DC/NYC during rush hour to complain about 25 cents, you better know how to take it! Every once in a while i can pull this off, but i wouldn't stake any money it.

In a perfect world we wouldn't have to worry about this, but unfort. employees have been known to smoke crack every now and then.

This time around i happened to stand my ground, but I've been known to let more than a few dollars slip out of my pocket in the past. And the only thing i can do to cope is to hit myself upside the head and tell my self i shoulda had a V-8!

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Mrs. Budgetsaresexy on frugal wedding-ness

Dear Readers,

Well hello! And welcome to my guest post :) As our impending nuptials quickly approach, I figured I would throw in a few of my frugally-minded wedding experiences to share with those interested. And, as I am MUCH more charming and interesting than the regular writer of this blog, you will probably find reading this to be the greatest experience of your life!! Haha, just kidding....it will be closer to the second or third greatest experience of your life.

I keed, I keed!

So as the oh-so-handsome Mr. BudgetsareSexy (aka J.) had previously mentioned, our initial wedding budget from my lovely and generous mother was just around $10K, and then we planned to pitch in the rest ourselves. It may be hard to believe, but most weddings, particularly in our (*cough*snobby*cough*) area, cost a great deal more than this, so we had to work hard to make ends meet and still make it a beautiful day for all to enjoy.

The following are some of my friendly and frugal tactics for cutting costs:

1) The wedding dress. Some brides want (and can afford) a dress that costs thousands of dollars; I am not one of them! I meandered over to David's Bridal, tried on 6 or 7 dresses and luckily found one I liked for a reasonable price. Some other tips for brides looking for their dream dress would be to check out second-hand bridal stores (where you can find a gorgeous pre-worn dress for a fraction of the cost), or for the hardier ladies, even the "running of the brides" annual event done by Filene's Basement. I did this years ago with a friend of mine who was getting married, and it was chaos! But, to some degree, it was fun--and indisputeably thrifty! If you are one of the lucky ones, you just may end up with a dirt-cheap designer gown, with only alterations and cleaning costs to cover.

2) Accessories. It's pretty easy to run up wedding costs with bridal accessories---headpieces, shoes, lingerie, handbags, etc. can put a considerable dent in your budget. However, keeping an eye out for sales and prioritizing your "must-haves" in light of your "can-do-withouts" is always important. Personally, I hit up Target for my reception shoes ($5.09 on clearance), eBay for my veil ($23 from an original $179), and the cheapest shoes/dress combo I could find for my rehearsal dinner outfit ($20 shoes from payless, and a $22 dress from Forever 21). It's definitely a special day and worth spending a little extra money for things you want to preserve for posterity (ie, i spent about $150 on a pearl necklace and earring set--on a 60% off sale, of course), but for the rest, give your wallet a rest and comb the clearance racks!

3) Online coupon codes. I ordered all of my bridesmaid gifts on overstock.com ($ saver in itself), and just today ordered disposable camers (on sale for only $2.99 each) and bubbles ($8.49 for a pack of 48) from theknot.com. Before checking out online, I did quick google searches for promo codes for both sites. Lo and behold, I found them, and wound up saving 10-15% off the original cost just by finding a little code to type in! Just as those little dollars here and there add up to the total wedding cost, saving those dollars wherever possible can also add up big in the long run.

4) Wedding favors. Who ever uses those crappy throwaway items that many people give away as wedding favors? I mean, seriously...when you get a cake-topper to bring home from a wedding, do you really ever do anything other than toss it in the garbage when you get home? The frustrating part about favors is, even though people don't tend to use their $2-3 momento for much, they expect them, AND, it winds up costing us hundreds when factoring in 170 guests or so. Our plan? Tentatively, we are planning to donate a tree for each guest from the Arbor Day Foundation. 1 tree costs $1, and even though it will still end up costing us a fair amount, it's A) tax-deductible, and most importantly, B) going to a good cause. We will then type up some small cards to place at each setting, letting the guests know that a tree was planted in their honor.

5) Stationary. Once upon a cold February evening, Mr. B and I headed off to a meeting at a fancy-shmancy stationary store to discuss wedding invitations. It was a night that we will not soon forget, but that is only because they basically ignored us after shoving some books of overpriced paper samples at us and walking away. We promptly returned home, and Mr. B found some much more reasonable online invitations for us to order (check out Exclusively Weddings). If you do your research, there are plenty of options out there in the online world for all kinds of budgets. And in lieu of buying matching thank you notecards with the invitations, we opted for non-matching (but still cute) notecards from the dollar bin at Michael's. 10 notecards for $1 is an awesome deal, and I guarantee you that no one is going to mind if our thank you notes don't match the invitation pattern. It's what written inside them that counts!

As this is turning into less of a blog posting and more of a book, I'm going to stop here. If you're getting married soon, I hope a few of these tips and experiences are helpful to you! And for the rest of you readers....well, hope I didn't bore you to tears!!

Happy Blogging to all!

Sincerely,
Mrs. Budgetsaresexy

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Populate your fish tank for 55¢ - or even FREE!

Oh yeah, that's right! The thought came to me on a whim yesterday, as I rounded the aisles of Petco looking for a new goldfish.

You know how they sell all sorts of exotic fish in the back? Well, instead of picking up those fancier ones for $3-$7 a piece, save some from the "feeder tank"! Every store's a bit different, but if they're selling fish, they're selling "feeder fish".

What are "feeder fish", exactly? They are usually smaller, not as sell-able fish used to feed the hungry fish-eating fish (think piranhas), and are usually found in a huge long tank w/ literally HUNDREDS of others...all swimming around w/ nothing to do except wait to be eaten...or be saved ;) They're still fish-fish, just not the crazy exotic type (although sometimes you can get lucky!) that can bring the store real money.

And the best part - they only cost 2¢ - 26¢ each! Now THAT's the kind of money i like spending. And, as you can see from the picture above, that i did. I picked up two of the biggest & prettiest ones I could find, handed over my 55¢ (52¢ + tax), and filled up my 10 gallon tank!

What about this "FREE" talk? Oh yes, you have two ways of making this happen:

1) When you go in to look for the fish, find a manager and explain that you just wanna try 1 or 2 to start your tank. Then, when you locate the feeders, explain you'd just like two of them to "test it out". Usually, and esp. if you're a young lady and he's a guy, he'll end up scooping up more than 2 AND hand them over for free! i mean, they're only a few pennies, right?

2) If this doesn't work (aka you're a guy), ring out your purchase as usual, and then check the end of the receipt you get. More often than not, it'll have a "survey request" attached to the end of it, esp. if you're a savings card holder. Take the 5 minute over the phone survey, and you'll be rewarded with a nifty little coupon for $2.00 off your next purchase! Even BETTER than free.

And that's all there is to it. Of course, you may need a little luck on your side for one of the above to happen smoothly, but I find that a nice smile and plenty of compliments help bring more of this "luck" your way.

Worst case? You'll walk away w/ a handful a fish for under a $1.00! it's win-win, especially for your brand new non-eaten pets ;)

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ps: If you're looking to fill up a larger aquarium with fish, grab a dozen or two of the little babies you'll usually find in the feeder tank. More often than not, they are assorted breeds of tropical fish, and they will procreate like none other! I kid you not, the last time i did this was a year and a half ago....and my original 14 babies turned into 100+ breeds of all kind!

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I want to be an Automatic Millionaire!

BOOK: The Automatic Millionaire
AUTHOR: David Bach
SEXINESS: To the max!

The fastest book i've ever read! And this is super impressive as a) i'm a sloooooooow reader, and b) it wasn't even a fiction book! haha... of course, i did just come back from a 4 hours plane trip :) But still, there was no way i'd finish it if it wasn't interesting in the least.

Was i impressed? Y-E-S. I give it an A+ overall! SUPER easy to read, SUPER easy to follow, and SUPER easy to act on. I'm a big fan of action over theory (most times), and the author listed simple step-by-step items to follow after each chapter. Which also makes it easy to put down, and pick up at any time. And unless you're already a millionaire, i'd recommend at least skimming it at the bookstore.

The general concept: Save at least 10% of all income for yourself, and automate EVERYTHING. he breaks it all down nicely, and even gives out the names and contact info of those he rates as pretty high.

According to Bach, there are only 3 things you REALLY need to do:

1. Decide to pay yourself first 10% of what you earn - We've all heard it, but not everyone follows it. Pick a % that works for you (he recommends at least 10%, but even 2% is a start), and let it build. automate it.
2. Make it automatic - Set up direct-deposits from your paycheck into your retirement fund. Automate cash xfers into your "rainy day fund" (3 months of expenses). Automate bill payments through your checking acct. Basically, handle all financial transactions automatically.
3. Buy a home and pay it off early - A MUST in his eyes. While this step is the hardest of the group, he's pretty adamant that if you rent you'll almost never become a millionaire. No matter your current situation, buying pays off in the long run. Once you own, use the "bi-monthly" payment plan to pay off the mortgage 7-10 years earlier.

There's a TON of other good information in the book, like how to get rid of credit cards faster, and finding your "latte factor" (daily expenditures that could easily cut in half), but I really enjoyed the stories on how people have actually followed this! These days, it's easy as pie to automate everything. As long as you have a steady stream of income, you're golden. Even if you don't, following the main rules will still guide you nicely.

To be honest, it's just nice reading something that is not only do-able, but extremely easy! And you know what? I actually believe i'm going to be a millionaire! Not 100% because of this book, although the motivation is killer, but because if you can learn how to save it's just a matter of time. It won't happen next week, or even 5 years from now, but I'll tell you one thing - when i'm leaning into the mid-life stage, you better believe i'm not gonna have a crisis!

The only thing i didn't like hearing was that "you don't need a budget". Psshhh, come again? I think all he's trying to do is to get you to focus on the 3 main points above, and basically forget all else you've tried & failed at. I see his point, but i'm not listening. Doesn't he know budgets are sexy!

At any rate, take what you will from all of this. Everyone's different, but i'm fairly confident you'll at least get one thing out of it. I personally put my stamp of approval on this bad boy, and about to pick up another copy for my bro. $4.15 used on Amazon?! Shoooooot....i'm keeping mine ;)

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* You can buy the book here: The Automatic Millionaire
* And you can check out other book reviews here: Book Reviews

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Starbucks just got sexier!

That's right, you heard it here first. Starbucks is my new best friend. Not that it wasn't top of the list before, but it's now been moved to BFF status. haha....

Why the sudden upgrade? Welllll, from now on you get MAD hook ups as long as you use your registered Starbucks card when ordering! All for being a good little customer.

Check it:
1) Syrup and milk options are now on the house.
2) Brewed coffee refills are F-R-E-E!
3) You get a FREE beverage when you buy whole beans.

SWEETness to the extreme :) now you may be saying to yourself, "Self, but i don't have a starbucks card, so what am i supposed to do?". that's a valid question, so let me propose a solution to that - walk to the nearest starbucks, and pick one up! Or, if you really wanna be creative, create your own online and order it at the same time. The card i have posted at the top is one my sister did for Mrs. Budgetsaresexy. It's fun!!!

if you go on a continual basis, you KNOW you'll be using it, and not only that I bet you'll realize REAL FAST how much you actually spend on coffee when you have to refill your giftcard every other week!

Sooo, by using your new starbucks gift card (which you'll use every visit), you could now:
a) Save up to 80¢ for a fancy pants drink (40¢ for syrup & 40¢ for milk).
b) Save up to $2.50 on a free refill of normal coffee. More if you're a thirsty little badger.
c) Save up to $5.00 on a fancy pants drink if you buy a bag of beans!

Plus, no more searching around your pockets for exact change, or just throwing it on your credit card. The latter adds up fast, and sometimes you don't even realize it! This is a Win-Win situation: Save money AND Budget better!

Now, if you'll excuse me, i'm gonna go put my money where my coffee beans are.
*for more info, check out their site.

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This guys rocks. And saves!

I came across the Change Race the other night and i just HAD to give it due credit. Although the word "Entertaining" defines it entirely, let me tell you a bit more about the genius behind it....or perhaps what the site's about since i don' t actually know the person behind it :)

The concept is simple:

We will being collecting any money that we find on the ground. It must be found, and must be change. First one to $100 wins. The trophy you ask? It is a parmesan cheese shaker that we stole from the pizza place where we hatched the idea. It will be filled with 100 pennies and will be a symbol of our victory.

The blogger, Baily, sends in a post every time he finds change, and talks about exactly what he's come across (quarters, nickels, etc), along with an interesting story or two behind it. They've since made it past their $100 mark, but are still going at it! and why not? it's a helluva unique blog idea, as well as a great way to get you to think twice about pickin' them up next time. on top of it all, it's freeeeeee money.

It's now been 3+ years, and although he doesn't post daily, it's still updated every now and then & continuously cracks people up....well, at least me! I think the random pix he throws in from traveling and such (see Grover in Paris), is what seals the deal. GENIUS! I might have to put up a "change counter" myself one day...hum...

One thing's for sure, that classic saying definitely holds true: Change Adds up!
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For similar reading, check out their inspiration: Change Quest .This guy's a little more hardcore, posting every day. awesome.

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How I fund my "fun fund".

Well that's a mouth full, eh? Fun Fund in itself is a hard one, but funding my fun fund, well that's just crazy talk! but i digress...

My "Fun Fund" - An allocated place to hold all side monies earned; to be spent on anything my heart desires, no questions asked.

Mine officially started a good 4-5 months ago, even though i've always bought myself a thing or two a month as I see them. Nothing huge like over $50, but things here and there for like $20 or $35, etc. It feels good knowing you can buy yourself nice things w/out putting much thought into it.

I think it's important for everyone to have a certain amount set aside for anything he/she wants, with no worries or psychological strings attached. Sorta like that "pay yourself first" mentality. Some people add $20 per paycheck to it, or $50 a month, or simply fund it w/ outside money brought in like myself.

Currently I have exactly $265 in it. I know this cuz it's a huge wad of cash in a cool pirates-chest-looking thing on my night stand at home. Although hardcore pf'ers might think it's better to invest it somewhere, and then take it as you need it, it just wouldn't work for me....i'll never want to spend it! This way, i take the cash w/ me when i go out shopping and use it when i find something. And if i forget to bring, i just re-imburse myself from it so all is even.

This is how i got the $265, or rather the $350+ (when i first started): I SELL THINGS! haha...here's how:

1) I walk around the house looking for things i don't need and/or want. Seriously! i think it drives Mrs. Budgetsaresexy crazy sometimes :) Be sure to peruse your OWN stuff though, not those of others. Drawers are also a great place. If you're like me and randomly throw stuff in them, only to forget years later what's actually in them. If you're not sure about parting w/ an item, just ask yourself this: "Would i rather have $XX in cash for it?"

2) Clean/brush off said items, and snap 3-4 pictures of them. This is important, as a pretty picture definitely helps sell the item...even if said item is ugly or super-old. Someone will usually want it!

3) Sell them! I prefer to use Craigslist first, and then eBay if i don't get any hits. Although there are more flakers on CL, i find the face-t0-face action much more pleasant, and i usually dispose of the item quicker as well. Plus, it doesn't cost you anything and you don't have to worry about mailing issues. If i don't sell it on CL after two weeks (includes 1 re-post), then i'll give eBay a shot. I tend to list a "buy it now" price and to also upload all the pics i have of the item in order to get rid of it quicker. There are tons of other options out there too like yard sales, estate sales, and more if you do some quick research.

The $ you get in return is not only nice, but makes you feel like you really EARNED it! I think there's a great deal of pride in that, even if it's silly :) Out of the 4-5 months doing this, i've now sold 5 track jackets, 2 winter coats, a baseball jersey, pair of pants, picture frame, super old stove, printer/fax machine, and a sword! hahah....i'm telling you, there are people out there that want your stuff. and Stuff = money, money, moneyyyyyy!

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Coinstar is my guiding light.

Every now and then I get to fulfill a deepest desire, and last Sunday was one of them! The moment only lasted 4-5 minutes, but the joy I received was immense :)

This brings us to Saving Tip # 3001: Make nice with Coinstar. You know, that big green shiny hunk of a machine found in the front of hundreds of grocery stores (usually next to the sexy lottery machines!)? It's a little place where saving goes a looooong way. This blingin' piece of technology eats up all your coinage, then spits out a voucher for cold hard cash! Awesome, right?!

Of course, none of this really matters unless you have plenty of coins to share with it. This shouldn't be a problem at all though. If you take a few minutes to search around your house, cars, jackets, purses, and even your couch cushions, you'd easily conjure up a nice collection. Or, even better, you can start throwing all your lose change in a central place. I use large funky vases (great for decorating too), or those antique candy bowls to gather them all. Either way, if you save up for a few months, you can come out with a good $30+ easily!

And sometimes, just sometimes, you get mad lucky and come out a huge winner! This is what I ended up with after 6 or so months of collecting. Check it:

Quarters 259 $64.75

Dimes 258 $25.80

Nickels 154 $7.70

Pennies 337 $3.37
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Total: $101.62
- 8.9% commission
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Grand Total: $92.58!

Now that is what I call some exciting news. Of course if you were truly frugal you could wrap all 1,000+ coins in those bank rolls and come out w/ 100% profit (by taking them to your bank), but you gotta be pretty hardcore for that. It would just kill my motivation in my case.

But there you have it - Take some time out and be pals with Coinstar. I mean, it's already your money to begin with, but it FEELS like it's free! And that's all that really matters these days :)

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Pray tell, is this possible?

I've been scouring all sorts of personal finance blogs lately as i'm fairly new to the game here, and i just came across a lunch challenge posted by the mastermind behind krystalatwork.blogspot.com (i take it her name is krystal?) aka "Give Me Back My Five Bucks. I love that name, clever right? At any rate, if you peruse this sexy little article you will notice that a good 28, TWENTY-FREAKIN'-EIGHT PF'ers are currently giving this a shot!

Man that seems like bonkers. Wait what? what's that you say...I'm listed on there too? Why yes, look at that i sure am. Well what's a newbie to do but to follow the crowd and gain some pointers right? Right.

So, i pose the question: Is it possible not to spend a dime on lunch, snacks, tea, or coffee during a normal 9-5 workday for an entire month? I can gather that it's at least fathomable due to the amount of responders alone on her posting, but can i myself, J. Money, do this? The simple answer is i haven't a clue. I've never tried, and i never thought i would to be perfectly frank.

Like others, however, i thrive on personal challenges and am willing to give it a shot....just not starting now :) I will be starting March 1st and going throughMarch 31st. (out of all the months to pick right? the one with 31 days in it!). I already have a hardcore challenge i'm working on for Lent, and i honestly don't think i can do both challenges at the same time w/out preparing a little first. What's the point on starting something you know you won't be able to finish right?

So, i will stare down this "no spending during work" nonsense, and report back w/ status checks in the near future. I can't promise they will be all that exciting, but there's the off chance i'll get cranky and rant a little....in which case you'll probably enjoy it a bit more ;) I'm sexcited!

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I challenge you to give it a shot as well! If you're all in, go ahead and add your name to her list or simply holler (comment) on this good blog and make your intentions known.

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Happy day after Valentine's day

With our wedding coming up in May, my fiancée and I decided to go a different route this year when it came to purchasing gifts. We challenged ourselves by setting a limit of only $20.00!

I mean, we know how much we love each other, and we just had both of our birthdays & Christmas not too long ago so it's not like we need more gifts ya know? Plus this forced us to be wayyyy more creative and really think about what the other would appreciate, not to mention help save a little more in the Wedding fund.

We also plan to cook a nice dinner together on Saturday (while we're both relaxed and caught up on deprived sleep), so that we can enjoy "togetherness" in the spirit of Saint Valentine. So, what did we get each other might ask? Well okay, it's exciting! I hope you can take it!

Yours truly got one kick a$$ LP! Timbaland to be exact, and it's a double album set too. I collect old records and have a player, but i really didn't realize that artists these days still go that route. I'm guessing they're for DJ's to scratch up and stuff in clubs and what not. Either way, I was elated and it was probably one of the most thoughtful gifts I have gotten from a young lady before :) Oh, I also got a little box of candies which is always cool.

After perusing a few stores, I ended up getting her this plushy/furry cream colored stuffed animal dog. I think it had some sort of heart around it's neck too that read "Sweet". I know it's not the most original gift, but you KNOW girls love stuffed things! haha.... it looked like she was pretty happy snuggling up to it last night, so hopefully i did good.

Hopefully your V-day went well too!

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A dollar a day baby!

I'm sure it's been done a bazillion times, but what a SUPER easy way to save. I actually found it on a fellow PF blog on Dollar a Day. It really doesn't take much and anyone can do it starting the minute this is read. In fact, if you'd like we can do it while you read along with me. Ready? Okay, here we go.

Step 1 - Reach into your pocket and take out a wrinkly ol' George Washington. If you don't have one, dig around for some change (it's at least something) or pull out a $5-er. In the last case, take a 3 min time-out and ask someone around your office to help you break it...or better yet, just ask for one. It's only a dollar right?
Step 2 - Now, look around your desk, or the streets if you're reading this on your Palm, and find some sort of container with enough room to place said dollar into it.
Step 3 - Lastly, place your friendly dollar into it and you're all set!

Bada bing, bada bang! You'll have $365 by this time next year (or roughly $269 if you do it just at work). If you're feeling even more gutsy, deposit it into a high-yielding savings account at the end of each month, or year, and watch it grow. The hardest part is really just remembering to do it each day, and not touching it. I advise keeping the container close by your desk to remind you of it each day, believe me it works.

I started this yesterday (2-12-08), and so far i have....wanna guess? A whole $2.oo! Your turn, good luck!

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