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Extreme Frugality - The other people think I'm crazy thread! - Page 7

post #121 of 156
I totally agree. Time spent with family > material goods any day.
post #122 of 156
Quote:
Originally Posted by claddaghmom View Post


this is our dream! In a few years, DH could drop to 20hrs a week. We were thinking of stopping there b/c then he would have insurance w/ the company.

How amazing! What a dream! Brings tears to my eyes...I would love for us to be home as a family.
I encourage anyone to work toward this. It's great. We thought we'd both work part time to begin with and get ins. benefits. Then we thought one of us would do the part time with ins. Then we realized we could potentially do no work with private insurance. I think any of these iterations is great for people with kids.

Insurance is always a worry. We're closely watching what will happen with reform and private insurance. We may have to do some part time work in the future if we have to pay a large amount for h'care because we wouldn't qualify for a subsidy. We've always known h'care could be the one thing that would send us out to a job again or make us have to have some side income. We have plans that have the potential for side income, either farmer's markets or my writing or dh doing some consulting if we need it.

I said this somewhere else, but right now dh is doing a short term consulting
job that fell in his lap. DD needs braces and we're still not moving yet, so there wasn't any real reason to turn it down. DH is having a hard time focusing because he just doesn't want to do things for others anymore. He just wants to do things with us and his own projects around here. He says that after 2 years of being home, there is no comparison between being home and the big job. I hope we get to continue this for many, many more years.

sorry for any repetition
post #123 of 156
Just subbing.... Wonderful thread....
post #124 of 156
Thread Starter 

The Truck Sold!

Now we can put some money in savings and the basement renos!

We are officially totally crazy as we can't brag to our parents because they just don't get it. No insurance and no repair bills on a truck that we only drive a few times a month but we don't actually *have* to drive it at all. All it took was a little rearranging.

I'm looking forward to some bike trips, train trips and different rental cars for trips where we really need a vehicle.
post #125 of 156
Quote:
Originally Posted by enfpintj View Post
Insurance is always a worry. We're closely watching what will happen with reform and private insurance. We may have to do some part time work in the future if we have to pay a large amount for h'care because we wouldn't qualify for a subsidy. We've always known h'care could be the one thing that would send us out to a job again or make us have to have some side income. We have plans that have the potential for side income, either farmer's markets or my writing or dh doing some consulting if we need it.
Insurance is my big concern. I would love to work part time and financially could easily do it. Im a very healthy person, never had any issues. Last year I got a very serious infection and had to go to a specialist. It was an eye opening experience to realize that if I didnt have insurance the tests alone would have wiped out my savings.

My frugal habits are helping me save money now, and will help me be able to have more of my free time in the (hopefully) very near future.
post #126 of 156
I am eating less....and losing weight. So, for me this is win/win.
post #127 of 156
Quote:
Originally Posted by ParisApril View Post
Now we can put some money in savings and the basement renos!

We are officially totally crazy as we can't brag to our parents because they just don't get it. No insurance and no repair bills on a truck that we only drive a few times a month but we don't actually *have* to drive it at all. All it took was a little rearranging.

I'm looking forward to some bike trips, train trips and different rental cars for trips where we really need a vehicle.
Wish we could do this too.
post #128 of 156
Great thread! I am so glad i found you my frugal sisters. We live in a small town and although some people live frugally others look at us like we are just plains nuts. I love the frugal life and glad I found this thread to share ideas and support.
post #129 of 156
Quote:
Originally Posted by celerydunk View Post
Insurance is my big concern. I would love to work part time and financially could easily do it. Im a very healthy person, never had any issues. Last year I got a very serious infection and had to go to a specialist. It was an eye opening experience to realize that if I didnt have insurance the tests alone would have wiped out my savings.

My frugal habits are helping me save money now, and will help me be able to have more of my free time in the (hopefully) very near future.
It is truly a concern. Can you get private insurance? (after seeing what happens with h'care reform of course) We have private insurance with an $8k deductible. So we do have insurance, but they have mentioned that it could go away under this reform. If we had several years in a row of having to meet the deductible, that would also send us back to group insurance. I've been having some health issues lately and hopefully they will resolve soon without sending us back to a job with group ins.

There are some part time jobs that carry insurance. How prevalent they are right now, may be a different story. Some libraries, YMCAs, school systems, starbucks, ups maybe. That was also a back up idea for us.

It's all about freedom for us - our time without being compelled to be somewhere or do something we may not want to do.
post #130 of 156
Quote:
Originally Posted by gothnurse3 View Post
I am eating less....and losing weight. So, for me this is win/win.
Me too! And when I stopped eating as much, so did the kids and now we are all thinner and healthier and have more money in the bank. Less time cooking as well....
post #131 of 156
I buy birthday and Christmas gifts way in advance...sometimes next years gift for my mother was purchased the previous year. I have a section in my closet to store the items. DD's niece is going to be 14 in April. I purchased her gifts from one of those expensive mall body shops from the 90% off bin. Both items were under $5.00. She'll be happy and we keep more money in our pockets.
post #132 of 156
Quote:
Originally Posted by gbailey View Post
I buy birthday and Christmas gifts way in advance...sometimes next years gift for my mother was purchased the previous year. I have a section in my closet to store the items. DD's niece is going to be 14 in April. I purchased her gifts from one of those expensive mall body shops from the 90% off bin. Both items were under $5.00. She'll be happy and we keep more money in our pockets.
That's also what I do. More time to find the perfect gift at the right prize. And also less stress compared to having to buy something last minute.

Carma
post #133 of 156
Dumpster diving. Hardcore.

The past two nights, we got the girls a BUNCH of brand new books, including a 5-page puzzle book, some board books, and an AMAZING $40 rainforest book that's about 2" thick and chock full of amazing photography. They haven't put it down yet.

Also got brand new Christmas ornaments (2 3' tall, 2' wide boxes full), laundry detergent, tons of vitamins and supplements, brand new kids clothes, fresh bread, a huge bag of fresh bagels, snack bags, 2 brand new glass-top endtables, still-hot pizza...

It was a good two nights.

I have yet to pay for furniture, tv's, computers, office supplies, and half our groceries. And we're keeping perfectly good, useable, often brand new items from going to the dump.

Meanwhile, 80% of our friends think we're insane. The other 20% have recently become enthralled with dumpster diving as well
post #134 of 156
^this is prob. a dumb question but where exactly do you go for dumpster diving?
post #135 of 156
Quote:
^this is prob. a dumb question but where exactly do you go for dumpster diving?
I was wondering the same thing!
post #136 of 156
Anywhere that doesn't have a compacter. Around here, that's smaller, non-big-box stores. Typically we hit up Big Lots, Family Dollar, Dollar Tree, Dollar General, Borders.

As for furniture/electronics, Office Max, Rent-A-Center, Aaron's Rental, small local electronic repair stores..

Then FOOD! Haha yes, I have no problem eating from a dumpster. Dunkin Donuts, Manhattan Bagel.. they tend to double bag their products.. bagels with bagels, donuts with donuts. Good for a treat to share with friends. Aldi's, Jubilee... they throw out perfectly good produce! Trader Joe's I hear is always an amazing dumpster to hit, but alas, we don't have any in my neck of the woods.

Health food stores, GNC... basically, anywhere there's an unlocked dumpster, we give it a peek. It's 50/50 right now, slow season after the holidays runs about January-March. Then it picks up big time and you won't have too many "slow nights"!
post #137 of 156
Oh my goodness my DH and his friend have gotten perfectly good printers, paper shredders, etc, in the electronic store's dumpsters, like Best buy. They smash them now though, because they realized people were taking them.

Anyways I have a question. It snows a lot here. Would it be worth it to thaw snow for water? Or would the extra cost on the heating bill cancel out the water savings?
post #138 of 156
Quote:
Originally Posted by bcblondie View Post
Would it be worth it to thaw snow for water? Or would the extra cost on the heating bill cancel out the water savings?
I think it's pretty negligible, but that's just a guess. My grandma always used to melt snow indoors for: watering plants, filling her goldfish tank, and washing her hair. It wasn't as though this allowed her to avoid chlorinated town water - it just saved a long walk out into the farmyard to the well.

Also on the frugal side, she fed her goldfish bits of lettuce and mosquitoes any month they were available. The fish got "real" fish food on Sundays for a treat. She had two goldfish that lived 25-30 years each and her other few fish were long-lived as well.
post #139 of 156
Quote:
Originally Posted by bcblondie View Post
Anyways I have a question. It snows a lot here. Would it be worth it to thaw snow for water? Or would the extra cost on the heating bill cancel out the water savings?
If you just scooped up big buckets and left them to melt overnight inside the house that could work. Like in the basement? My basement is not heated so for me it would not raise my heating bill and the snow would slowly melt.
post #140 of 156
I have loved reading all 7 pages of this thread!

One thing I noticed that hadn't been mentioned yet is gift wrap/bags. A PP did mention using paper shopping bags (the brown kind) to wrap gifts....which we do. Another thing is reusing gift bags and tissue paper. It's been years (as in easily over 10) since I've bought either a gift bag or tissue paper. I saved every bag that held a gift from our wedding, all my baby showers for both kids, and every birthday/Xmas gift any of us has ever received. I've got them stored in a HUGE shopping bag and it'll be years before they're all gone...even if we never receive another gift again.
The tissue paper, I just smooth out and fold it nicely and put it all away together. Yeah, I think people think I'm crazy for doing this....but that's their problem.

There are other things that I'd like to do more of, like composting and saving rain water. I'd also love for our gardens to be bigger and more productive. We do have apple and plum trees that we make good use of....as well as TONS of blackberries on our property. Can you believe that people will pay $5 for a pint of blackberries??? Around here, you can stop on the side of literally any road and pick a gallon of them for free (in August)....and people still pay for them in the summer. I think that's crazy......
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