March 2010

13 Frugal Ways to Celebrate Winter

It’s been pretty darn cold for at least the last week, but winter didn’t officially kick-off until December 21. Now that the season is in full swing, here are 13 ways to celebrate it, one for each week. Look at the Christmas Lights Every year, my husband and I drive around the neighborhood looking at the Christmas lights on Christmas Eve. I love both the major displays with…
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10 Cheap Halloween Costume Ideas for Adults and Kids

When I was a kid, families didn’t buy many Halloween costumes. They were either sewn or assembled by moms. Even if you’re a busy parent, you can still make comfy Halloween costumes, but you have to start planning now to avoid the last-minute, usually costly, costume rush. Creative thinking is the key to making Halloween costumes. Look at what you already have and see how it can be…
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Should You Be an Innovator or a Laggard with New Products?

In college economics, I learned about the stages of adoption of new technologies or ways or doing things. Marketers love innovators and early adopters, but does it make financial sense to be an early adopter every time? What are the pros and cons? What Are the Stage of Adoption? There are five stages of adoption: innovators, early adopters, early majority, late majority, and laggards. Innovators take the risk…
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Zombie Debt Reminder

I saw this post about a guy arguing  with a zombie debt collector on Consumerist, and I think it’s time to remind you what Zombie debt is.  It doesn’t mean the collector is a zombie (although you might feel that way!) It means that the debt is expired or charged off and has risen again from the dead. Unscrupulous debt collectors will try to get you to pay, even though you don’t…
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Price or Service: Local Nursery vs. Big Box Store

As I’ve mentioned before, I have several Home Depots and a Lowe’s near me. Both have garden centers, however I’ve found that I usually prefer to go to the local small chain nursery for plants, even though the prices are higher. Sometimes, the better service and quality is worth the higher prices. Soil and Compost If I just need a bag of garden soil, I’ll hit Costco or Home Depot. In…
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Savings Account Interest vs. Convenience

This weekend, my husband and I mapped out our cash flow for the rest of the year. I noticed that he wasn’t scheduling our usual monthly transfers to savings, but was instead letting the money pile up in the checking account. That started a debate about whether it was better to leave the money in the checking account for convenience, or better to transfer it to savings to earn a…
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