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How Frugal are You?

Discussion in 'Topical Discussions (In Depth)' started by newmisty, May 26, 2012.



  1. newmisty

    newmisty Duppy Conqueror Midas Member

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    We all share something in common here. As devalued as they are, we all like our hard earned FRN's and would prefer to use them as wisely as possible.

    My mother learned from her parents how to stretch just about everything. Food, clothes, tools etc. Some things that my mother was frugal with, I am too. With some things I realized it was worth more to me to buy better or more and not sweat the few extra bucks. For instance the little homeowner tools that my mom had while I was growing up are some of the most annoying things I've dealt with and refuse to use tools not equipped for the task at hand. Now I buy my mother nice corless drills, ladders, brooms etc. Mostly so when I am around I won't have to use her cheap stuff! :p

    Later in life I befriended someone that is the cheapest most stingy bastid I've ever met. He won't ever spend a penny more that he has too and usually won't even spend the penny! Example: He washes his clothes in a pot in the sink; sleeps in the same bed he had for many decades; keeps the house at 50 in the winter(wood only); grows his own food and NEVER eats out(unless someone else foots the bill). After spending a few years watching his thrifty ways, I started to realize the pleasure he gets from NOT spending. Of course on the other side of the spectrum was my wife when I first met her. Money was for throwing at all of life's problems and name brands were the order of the day.

    For me personally, the balance is somewhere in between. I like to splurge every once in a while without burden or guilt and I am usually only able to do that after a thrifty period of saving.

    Some things I splurge on:

    Travel expenses(car rental, airfare)
    Going out to eat once or twice a week (nothing fancy but it adds up)
    Autos and maintenence

    Things I am thrifty with:

    Electronics, furniture, clothes, beverages, entertainment(Don't watch tv or movies) etc.

    One thing I wish I was better with is using coupons, but I find that they often expire before I use them. I do manage to use coupons for bigger items at Home Cheapo and Harbor Freight though.

    What are some of the more extremes you (or someone you know) take in being frugal?
     
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  2. DualCarbon

    DualCarbon Seeker Seeker

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    And, now how more frugal would you be if you were buying things with silver and gold coins?
     
  3. techguy2

    techguy2 Meh Gold Chaser

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    I think a measure of wisdom is knowing the difference between Cheap, and Frugal.

    Cheap is buying the lowest price item, no matter what.

    Frugal is buying the model that is well made and may cost a little more, but has 5x the lifespan of the cheap item.

    Cheapest things I will never buy:

    Chinese tires.
    Chinese fish
    Walmart shoes (I did try though, took em back!)
     
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  4. Oldmansmith

    Oldmansmith Midas Member Midas Member

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    Paid $2,500 for my car eight years ago. The driver"s side window won"t roll down, the bumper is held on with wire, etc. as I only have fixed critical things for years, always figuring this year would be it"s last. Never got the nice car gene, what a waste of FRNs. How do you think I can afford to buy gold and silver?
     
  5. budfox

    budfox I have become comfortably numb... Midas Member

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    I'm tighter than a cow's ass at fly time....
     
  6. ttazzman

    ttazzman Gold Member Gold Chaser

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    I am all about quality of life......and pursuit of happiness.

    for example
    I am not sure why i would want to keep my house at 50deg so my kids could inherit another 500$ but i put in a ground source geothermal system so i could enjoy good heat and ac at very low rates....

    i shop very hard looking for the best VALUE in all that i buy not necessarily the cheapest

    i think if a person finds happiness is hoarding every penny just to have a pile of pennys when they die they have missed something in life

    life hopefully has a purpose ...money is just a tool.....you use a tool you dont hide it or waste it
     
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  7. 90%RealMoney

    90%RealMoney Gold Member Gold Chaser

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    Frugality can be a blast, if you make a game out of it. I picked up a near new "Tilley" soft safari type hat at the thrift store the other day, for a buck fifty! Made in Canada, high quality hat. They go for 65 to 90 bucks new. Guaranteed for life. I washed it, it looks brand new! I ran out of salad dressing the other day. I remembered how my Mom made homemade thousand Island when I was a kid, so I did the same. Not only did it bring back fond memories, it was very satisfying! Two things I never skimp, or go cheap on, Tools, and Guns.
     
  8. JayDubya

    JayDubya Gold Member Gold Chaser

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    You can buy a pair of $50 boots at a cheap retail store which will wear out in 12 months so that each & every year you have to buy another pair. Or you can buy a pair of $250 "high end" boots that will last you 7 or 8 years. Some people cant understand paying that much for a pair of boots and they fail to see big picture of the long term.

    You've got to understand the bang to buck ratio of things. Just because something is cheap doesnt mean it's a bargain, and there is a difference between cheap and inexpensive.
     
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  9. <===Foolsgold

    <===Foolsgold Gold Member Site Supporter Gold Chaser

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    I spend less then I take in, you don't need to know anymore than that.
     
  10. DodgebyDave

    DodgebyDave Metal Messiah Midas Member

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    Or, you could be patient until the 250 dollar boots are on close out for 50 bucks, like I did the last time I bought boots, in 1996
     
  11. HistoryStudent

    HistoryStudent Midas Member Midas Member

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    Richard Maybury said, "buy a new car with your profits!"

    I rolled-off the new car dealer lot with a new 2012 LE Gunmetal Grey Sienna (BUS! it's 2 feet longer then my 2000 was and one-foot wider).

    I feel like I work for GREYHOUND TOOT, TOOT, TOOTIE...


    No money down, no interest for five years and instead of paying cash I have $35 K to play with....
    Let's gamble...


    Since gold and silver are cheaper then they were in 2007... let's roll....

    Start dancing... KIDS!!!




    SHAKE IT!
     
    Last edited by a moderator: Dec 26, 2015
  12. Mr Paradise

    Mr Paradise Midas Member Midas Member

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    I was shunned by my family for three years for not saving the excess oil from a can of tuna.
     
  13. Argentium

    Argentium Midas Member Midas Member

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    My wife is a dollar-store shopper for all kinds of sh!t, thinking she is being frugal. Sometimes, it is a smart buy, but the majority is just crap that isn't worth the price. This isn't frugality, it's stupidity.
     
  14. Treasure Searcher

    Treasure Searcher Gold Member Gold Chaser

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    I spend money in two ways:

    1. I spend money to save money.

    An example was the $6500.00 I spent on new windows. Those new windows saved me alot on the
    heating bill, year after year. Also, it adds to the value of my house, if I want to ever sell it. It may
    take a number of years to recoup that $6500.00, but it will eventually happen.

    2. I spend money to make money.

    An example is the John Deere tractor I bought. A have ownership in 360 acres of land. I need that
    tractor for it. One 160 acre farmland parcel I own was bought for $700.00 an acre. The farmland
    in that area now sells for over $3,000.00 an acre. That tractor was needed to maintain that land
    (mow roadside ditches, etc.). That tractor did not cost anything.

    IMHO, think before you spend. Prioritize what you need done/purchase. Get the best bang for the buck.
     
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  15. GOLDZILLA

    GOLDZILLA Harvurd Koleej Jeenyus Midas Member

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    The only thing I do not think before buying is food. Everything else is scrutinized fully. I do eat as much as I can from the garden, and buy most of my food in bulk, but thats the chink in my armour.

    The easy way for me to be cheap is instead of thinking how many dollars something will cost, I think of how many hours I have to spend in my personal hell ( the job ) to get that item. More often than not I will not buy unless I am sure I can recoup or double my return on whatever I am thinking of buying in the future.

    Also, so long as you always make more than you spend, you'll be o.k.
     
  16. JayDubya

    JayDubya Gold Member Gold Chaser

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    Dave, you've got me beat by a few years and a few dollars. I've got an old pair of Timberland's (yeah, I know, there's MUCH better boots) that I got in 1998 and probably paid around $125 for them. All I do is keep 'em clean and apply waterproofing every once in a while and they're still looking damn near new. Ocassionally I'll head back east for a visit and friends will comment "You STILL have those boots?".
     
  17. TomD

    TomD It blowed up, y'all Gold Chaser

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    Frugal is relative as in it is hard to be frugal compared to some African living on the equivalent of $.50/day.

    But I have always lived below my income, substantially so for most of my life. It amused me to see some guy working 2 levels below me while driving nicer vehicles and living in a bigger house but not realizing that he was enslaving himself.

    Though I agree that money doesn't buy happiness, I've seen that lack of money damn sure buys misery.
     
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  18. minimus

    minimus Banned

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    The true path to wealth is reducing the monthly need for FRNs.

    Total monthly cost for my present dwelling + land is $200, that includes taxes and utilities.

    In my case, the lack of needing money buys peace of mind.
     
  19. Merlin

    Merlin Gold Member Site Supporter Gold Chaser

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    I bought the tuna canned in oil because I figured when TSHTF the extra calories would come in handy. Now, I've decided I like tuna packed in water better -- it is not as mushy as the oil packed tuna. So, that settles it for me.

    I darn my socks when they develop holes. Is that frugal enough?
     
    Last edited: May 27, 2012
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  20. hammerhead

    hammerhead Not just a screen name Gold Chaser

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    Wow Minimus,

    Good for you. Thats 6.66666 dollars a day. :D
    Last I checked, I need to make $78 a day and that is mostly expenses. Need to make more if I want to eat. :( I am still a slave, but when the last kid leaves, I hope to cut down. Not sure how, but the gears are turning.
     
  21. firecracker

    firecracker New Member

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    stay away from doctors & hospitals , learn how to doctor yourself & you'll be richer & healthier
     
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  22. Mr Paradise

    Mr Paradise Midas Member Midas Member

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    Yes, the albacore in water actually looks edible when you open it.
     
  23. Silver Art

    Silver Art Silver Art Bar collector Gold Chaser

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    Some frugal things that I do:


    1.) Riding the bus to work instead of driving to work - saves on gas and wear and tear on my vehicle.

    2.) Using the fitness center at work - free for employees to use and I do not have to worry about a paying for a gym membership.

    3.) Going to discount grocery stores - I save a lot of money on fruits and vegetables and many other food items. I am able to watch my diet while still staying on a budget.

    4.) Not using A/C (in the Summer) and Not using Heat in the Winter - Using fans (in the Summer) and space heaters and bundling up (in the winter) has cut my monthly electric bill nearly in half.

    With that said, I am not really a frugal person like most on this forum. My main goal in life is to become debt free in about 2 1/2 years from now and I had to cut back on my monthly expenses as part of my goal to becoming debt free within that span of time. I changed my spending behaviors and I found ways to save money without affecting my lifestyle too much. I still spend money on things and hobbies that I enjoy that makes me happy (such as collecting silver art bars) but I just set a budget for myself and watch what I spend and put some FRNs in the bank for emergencies while I am able to pay down my debt.
     
  24. anywoundedduck

    anywoundedduck Gold Member Gold Chaser

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    Here is some, but not all of what I do to be frugal.

    I have had the same Trac II razor blade for over 3 years, because I can easily keep the blades sharper than new.


    I save my coffee grounds to feed my azaelas and other acid loving landscape plants. Works better than Miracle Grow for Acid loving plants, that costs a fortune.

    My wife and I opened a Bridal Shop shop within walking distance from the house. We barely drive more than a thousand miles a year, if that.

    My wife and I have paid for cars that are older than 10 years. Our insurance and taxes on these cars is next to nothing.

    I use the internet to find how to repair or replace plumbing, electrical applicances, automobiles, before I will pay someone to do it.

    I would be interested in anybodys tips on how they save money, even if it is just a few bucks.
     
    Last edited by a moderator: Dec 26, 2015
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  25. EO 11110

    EO 11110 He Hate Me Mother Lode

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    tracfone cell - 9 bucks a month

    car insurance - liability only

    cars - very used, pay cash

    clothes - dont buy unless need

    house - about half of what i could comfortably afford

    pay everything with rebate ccards - rebate = one ounce gold/yr
     
  26. TimoneX

    TimoneX Gold Member Gold Chaser

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    Cheap bulk green coffee beans go into an electric air popcorn popper with a lid on it to roast. From there they're cooled and hit the coffee mill then the coffee pot. After that they go into an espresso machine then into the compost heap. Very cheap and the results are very satisfying. I cheap bastid 11 months a year. The 12th is for a paid off timeshare to preserve sanity.
     
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  27. Unca Walt

    Unca Walt Midas Member Midas Member

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    Look in the top of that hat. You will see a holder for a combination warranty and bragging rights.

    It includes the funny story of the hat that an elephant in Canuckistan liked to yank off the head of one of the handlers in the zoo, chew it up and swallow it. The hat has gone through the elephant FOUR TIMES.

    The hat company told the guy they would like the hat for their museum and would give the guy a brand new one... but he wants to keep it. :s13:
     
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  28. Rollie Free

    Rollie Free Gold Member Gold Chaser

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    Amen brutha. Ill add, do everything humanly possible to stay away from lawyers.
     
  29. Rollie Free

    Rollie Free Gold Member Gold Chaser

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    I'll amend that to say that sometimes going to the doctor is necessary. But I'd bet most visits are unecessary. Chronic doctor goers are almost certainly living unhealthy lifestyles. Victims of fat butt disease or mentally needy, wanting attention. Expensive way to live life.
     
  30. glockngold

    glockngold Gold Member Gold Chaser

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    I have always been the cheapest son of a gun I knew.

    Spaghetti sauce. I'll rinse out the jar with water & dump in whatever I'm cooking, rather than lose a couple of drops of "food that I paid for."
    I nuke the honey jar to get out the last drop.
    I shop at Aldis first, then the thrift stores second.
    Iced Tea from teabags, sugar, & lemon concentrate rather than a "mix".
    I try to buy low miles old cars & run them till they make their final stop at the crusher.
    I do most of my car maintenance & other home handyman stuff.
    If it's yellow, let it mellow. If it's brown, flush it down.
    Merlin, I don't darn socks, but I have plenty of "toe sticks out pairs" that I still wear. (I keep a "visit folks where you take off your shoes house" pair set aside just in case)
    Most of my shirts are free. (some damn band gives them to me if they like my mix)
    Most of my jeans are free (got them out of storage unit auctions)
    I save the plastic bags from my wife's dry cleaning. I tie a knot in one end & use it as the trash can liner.


    Things I splurge on:
    Gas for the mower. I mow as much of the place as I feel like. (about $30.00 per week)
    AC in the summer. As a kid we slept on the downstairs floor because it was cooler.
    My new pole building, scheduled to be put up next month.
    That last Buffalo at $1900. :hmpf:
     
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  31. Silver Art

    Silver Art Silver Art Bar collector Gold Chaser

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    There is an ALDIs in Tennessee and that is where I buy most of my produce from as well as some other foods such as skim milk. It is much cheaper than Walmart and I was able to save a lot of money shopping for most of my groceries at ALDI.
     
  32. seekinginsight

    seekinginsight New Member

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    Hey Tim, I been thinking about a timeshare but thought they're scams. You seem pretty financially savvy from what you write on this site. Could you share where you purchased it and some other pointers? I just might reconsider.....or any other GIMer who can help out, thanks!
     
  33. techguy2

    techguy2 Meh Gold Chaser

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    Just me or does he sound like Kermit the frog????
     
    Last edited by a moderator: Dec 26, 2015
  34. TimoneX

    TimoneX Gold Member Gold Chaser

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    Tx for the kind words. I purchased my timeshare on fleaBay for a fraction of the retail price($2kish) prior to the paypal acquisition which has resulted in my boycott of both. My home resort is an RCI points unit located in Kissimmee, FL, though I've never stayed there, and likely never will. A lot of people obtain overpriced timeshare property which locks them into a timeframe(week) at a specific resort. Pretty lame and inflexible. The point system however is a bargain vacation shoppers dream. Your resort week is simply assigned a point value and credited to your account. Then you convert that into time at the resort of your choice all over the world which you can shop for on their website and occasionally even book without talking to anyone at RCI, though usually I end up calling them for one reason or another.

    The folks who unwisely remain locked into their rigid weekly stays routinely have to cancel or lose interest in going to the same resort again and the property goes "on sale". The point cost continues to depreciate as the date approaches. Travel flexibility is the key, and I have lots of that. As a result I often stretch my 7 day non-stay in Kissimmee to 4 or 5 weeks a year at various resorts around the world. There's a membership fee, bi-annual maintenance fees, and week resort conversion fees which all told work out to $400ish/yr, but the overall cost is way below and far superior to equivalent hotel stays. The resorts have fully stocked functioning kitchens, so you can save a ton of money on dining if you so choose and DVD/BLU ray players so you needn't purchase lousy PPV programming. Many have in room saunas, jacuzzi tubs, and laundry facilities in room as well. Resorts outside the continental US especially tropical destinations are often AI or all inclusive properties that feed you and provide you with all the booze you can consume. I've been very happy with the system for the 12yrs or so I've been involved, you just have to do it right IMO.
     
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  35. GOLD DUCK

    GOLD DUCK Mother Lode Found Mother Lode

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    QWAK,A TIME SHARE :hmmmm2: --- that is INSANITY :10_1_19: in a BUCKET you don't OWN :452: with a HOLE in the bottom :hahaha: you are required to stuff CASH in to trying to PLUG, but never can!:realmad::yes::4_1_72::36_11_6:

    How did some one who understands GOLD and SILVER manage to sepend YOUR $$$$ so foolishly? :hmmmm2::s13:

    It must have been right after you fell off the TURNUP TRUCK and landed on your HEAD! :vollkommenauf::thumbs_down:

    Condos and timeshares are right up there with FLIPING HOUSES in the SCAM of the month club for people with more $$$$ than BRAINS and think they can be INVESTORS if the time it right! :4_1_72::stupido3:

    Did you invest in BEANEY BABIES TOO??

    Payed off TIMESHARE is a DELUSION held by a demented MIND that BUYS the ILUSION being SOLD by GREEDY BANKERS who will sell the SPACE inside WALLS and convince others :stupido2::stupid: they actualy BOUGHT somthing REAL! :banghead::thumb.aspx::signs14:

    the DUCK :15_1_70v:
     
  36. TimoneX

    TimoneX Gold Member Gold Chaser

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    The timeshare deed is no more or less valid than my "free and clear" home deed. Fail to pay the taxes and I'll be shown off the premises by armed publicly employed fascists. I have to live somewhere though and the same fascist five-o don't take kindly to tents in the public park across the street. I *MUST* have play time and this is way cheaper than hotel stays and far more comfortable IMO, but you're welcome to your own, master avian. :beerglass:
     
  37. Dude

    Dude Midas Member Midas Member

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    Duck, you can find great timeshare deals in the secondary market. You may not "own" a heck of a lot, but you can certainly get a great vacation at a great price, especially if there are trading options like Timmy has. Someone has already been duped to pay 10-50K and you swoop in and pay $100-$2000. That's the way the market works when many people can't pay the $400-$1000 annual fee and can't afford to fly to the destination or take off work.

    I've been tempted, but even at my age of 52, I feel obligated to spend my vacation time with the parents and in-laws. Still all good, they mean a lot to me.
     
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  38. TimoneX

    TimoneX Gold Member Gold Chaser

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    Spot on brotha. Like buying a three year old lightly used properly maintained car. It's broken in, ain't new, but some loveable (((zucker))) has already eaten 80% of the depreciation curve. The savvy shopper gets a reliable vehicle at a reasonable price.

    Love the fam to death, but 3 or 4 weeks of annual vacation are for gf and I ALONE. A week or two of family vacation with my remaining parental unit and/or my teenage sons is my limit. Many of the units have separate lockouts known as "mother-in-law facilities", so you score points with yer lady by springing for the exotic trips(on the cheap) AND potentially providing for relatives.
     
    Last edited: May 27, 2012
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  39. GOLD DUCK

    GOLD DUCK Mother Lode Found Mother Lode

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    UOTE=TimoneX;382139]The timeshare deed is no more or less valid than my "free and clear" home deed. Fail to pay the taxes and I'll be shown off the premises by armed publicly employed fascists. I have to live somewhere though and the same fascist five-o don't take kindly to tents in the public park across the street. I *MUST* have play time and this is way cheaper than hotel stays and far more comfortable IMO, but you're welcome to your own, master avian. :beerglass:[/QUOTE]

    QWAK,HUMmmmmmmmm :hmmmm2:"I * MUST* have PLAY time!" :4_1_72: Yea SHURE if you are 10 years OLD and got some one paying your bills like MOM or Dad! :thumb.aspx::36_11_6:

    I need to wright THAT ONE down! :hahaha::4_1_72::36_11_6:

    Do you OWN your HOME DEBT FREE and CLEAR? :questionmark:

    Granted YES they can take it IF you don't pay your TAXES but at least it is somthing REAL and you can do SOMTHING to get enough $$$ to pay your taxes --- sell some GOLD or SILVER if need be.

    With what is coming down the pike "PLAY TIME" is going to EVAPORATE like SPIT in a DESERT sand storm! Time to COWBOY up and deal with REALITY befor REALITY deals with YOU! :ahhhhh::afraid::goodnight:

    TIMESHARE = DERIVITIVE --- somthing that aint REAL but as long as there are BELIEVERS it is REAL enough for THEM! :hahaha::4_1_72::36_11_6:



    the DUCK :15_1_70v:
     
    Last edited: May 27, 2012
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  40. TimoneX

    TimoneX Gold Member Gold Chaser

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    Yes, I do "own" my home, I haven't borrowed money from anyone or anything in 15yrs. The timeshare is actually easier, there's nothing to foreclose if you don't pay your fees. You simply cannot use it until you do pay your fees, but nothing is taken from you, unlike your home in the case of property tax default. Think that fascist process is down to 18months or so here in beautiful MI, which means your home can be stolen for 1.5 years of back taxes. That's not ownership.

    If I hadn't been personally involved in timeshares for the past decade+, I might share your opinion. Yeah the manure is nearing the impeller, I got preparations, and I got vacation to keep me sane until that happens. What keeps you sane duck? :)

    Enough timeshare thread crapping from me. Sorry newmisty.
     

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