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Free Vitamins

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Nature Made is giving away free 14 day supplies of some of their vitamins (Yes, we do use Nature Made here in the FB household.  No, they’re not paying me to tell you about this!).  Here are the ones that they’re giving away, with links to the pages where you can order your free samples:

Multivitamin: http://shortn.it/uT5t
Multivitamin for her: http://shortn.it/uTCu
Vitamin C:  http://shortn.it/ykl8
Vitamin D: http://shortn.it/g7SV
Calcium:  http://shortn.it/oaL7
Super B Complex: http://shortn.it/GvmG

Free is hard to beat – enjoy!

A Good Frugal Day

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I had a good money day today.  I went to a maternity clothing consignment store and sold three items that never fit right while I was pregnant.  I got them for a total of $7 in thrift stores, and the store I took them to gave me $15 for the three.  Sweet!  I have a pretty good collection of maternity clothes that I found at various thrift stores over the last year or so.  I put them in a storage bin and stashed them in our crawl space for now.  I have no idea if we’ll ever have another baby, but I’m not going to get rid of all my maternity clothes just yet.  In a couple, years if we’re still happy with just one child, I’ll get rid of them.  But for now, I might as well keep them.

Last weekend, a friend was in town and we went to a huge scrapbook store near my house.  It’s a crazy place, and I never go there unless friends or family are in town and want to go.  Well, last weekend while my friend was shopping, I started browsing the scrapbooks.  I needed a book for my son’s baby album, and I found a really nice one, for $30.  At the time, I knew it was expensive, but for some reason I bought it anyway.  Very unlike me, but that’s how it was.  I guess I knew it wasn’t a good idea because it sat on the counter in the bag with the receipt all week.  So tonight I took it back.  I had decided that I could get a less expensive one at Hobby Lobby, and use their 25% off coupon that’s always on their website.  Well, after I took back the expensive scrapbook, I went on the Hobby Lobby website to print the coupon, and guess what?  All of their scrapbooks are 50% off this week!  So tomorrow I will be walking over to Hobby Lobby to get a scrapbook, which will probably cost less than $15.

And to finish off my money hat trick for the day – my husband and I went on a date with our baby tonight.  For $8.  It started with my husband driving to the gym while the baby, dog, and I walked to the gym.  The walk took a little over an hour, so it gave my husband time to get in a good workout before we met him there.  And it was a good walk for me and the dog, and the baby got in a nap in his sling.  From the gym, we drove to a nearby restaurant where we had a coupon for a buy one get one free meal.  With two free glasses of water, our bill came to $8.

So that makes a good money day.  $15 for the clothes, $30 back on my credit card for the scrapbook – (another one will cost me half that much), and a nice Friday evening for $8.  Lots of little things that add up to a good frugal day.

No New Necklace

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At the beginning of the month, I wrote about a necklace that I was thinking of buying.  The sale price ends next week, and and I had decided to think about it during the month and make my decision near the end of the month.  I decided last night that I’m going to pass on the necklace.  I know that we can afford it.  And I do really like it.  But I think that there are better ways that we could spend the money.  I paid attention to the necklaces that I wore this month, and found myself coming back over and over to my funky jewelry.  The washer on a chain that my sister gave me.  The painted seashell that I got for $5 on Oahu’s north shore.  The beads on a leather string that my husband made for me when we were first dating.  A wooden bead necklace that I got in Africa.  All together those four probably cost less then $25, and I always get compliments on them.  I’ve been wearing them for ages and still get a lot of pleasure out of them.  I guess I’m really not a diamond necklace kind of girl (even if it is a fake diamond). 

We’ve been spending a lot of money lately on our house renovations and our midwife, and I’m really looking forward to getting back to our $1000/month spending limit.  By not buying this necklace, I’m helping us get back on track with our spending, and that feels good.  It’s nice to be in a position where we could afford the necklace if I had decided by now that I really still wanted it – several years ago I wouldn’t have even considered it because we wouldn’t have been able to afford it.  And who knows, maybe a few years from now I’ll decide that I do really want it and can buy it then.  But for now, I’m going to just appreciate how far we’ve come in our financial journey, and remind myself that the way we got here was by NOT buying every little thing that we wanted along the way.  Knowing that we’re not broke is a far better feeling that having a new necklace. 

Category: Our stuff  5 Comments

Entertaining Guests

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We had friends staying with us last night, which was a nice break from all the home improvement we’ve been doing most nights lately.  We did manage to have the guest room all put back together in time for their visit, which was a plus.  The weather was really nice, so my husband grilled burgers outside, and I made oven fries and baked apples.  Then this morning I made pancakes for breakfast before our friends left.  Our total food bill for their visit was about $25 – quite a bit less than we would have spent if we had gone out to dinner/breakfast with them, even splitting the tab.

Now we’re about to start in on the floors again.  We moved everything except the bed out of our bedroom a couple days ago, so we’re all set to start putting down flooring in our room.  Hopefully by the end of the weekend we’ll have this project behind us, although it may take longer than that to get everything put back where it belongs.  I’m determined to keep the house as clutter-free as possible, which means we’re going to be making a trip to the thrift store with a car-load of donations before all the stuff goes back in our room and the baby’s room.  We have some stuff that I had been planning to sell on Craig’s List, but I think I’m just going to donate it instead, just to get it out of the house.  It will be nice to have lots of wide open spaces and clutter-free surfaces. 
Ok, the floors are calling, I can’t procrastinate any longer…

I Know I Don’t Need It…

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The last time I bought jewelry was about a year ago when we sold my diamond ring and bought a man-made diamond instead.  Before that, I don’t think I had bought any jewelry that cost more than about $10 since we bought my first engagement ring five years ago.  I normally just wear my watch, my wedding/engagement rings, and a necklace from my collection of inexpensive funky jewelry (like the big washer that my sister etched with paint stripper and put on a chain).  But last year, after we bought my ring, I noticed that the same company sells a necklace that I really really loved.  I’ve gone back to their website a few times to look at it, but I could never justify spending the money to buy it. 

Then today I got an email from them, saying that some of their stuff is on sale this month.  And that necklace is one of the things on sale.  It’s about $100 less than it’s been ever since I’ve been watching it.  I thought about it today, and decided that we can afford to spend $166 – and my husband insisted that I get it.  But I just went back to the website and read the description of the necklace, and was very bummed to see that it says “chain sold separately.”  Well, crud.  Their chains start at $129, which makes my $166 necklace more like a $300 necklace.  I suppose I could get the pendant and then hunt around to find cheaper chains somewhere else.  But now I have to think about it again. 

TBH wrote a great post a while ago about  wanting a ring she saw in a jewelry store.  Sometimes even we girls who don’t wear makeup or heels end up with our hearts set on something pretty.  Now I just have to decide if I want the necklace badly enough to pay extra for a chain.  Decisions, decisions….

Category: Our stuff  4 Comments

The Cost Of A Bigger House

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When we bought our house five years ago, we assumed it would be a starter house, and that we’d need a bigger home when we were ready to add to our family. We browsed real estate fliers from time to time and wandered through the neighborhoods with bigger houses, but never seriously considered moving, and I’m so glad we didn’t. Our baby is due in seven weeks (!) and we’ll be happily nesting with our new addition in the same place we’ve called home for the last five years.

The houses that we were considering a couple years ago were generally in the price range of the high 200s to low 300s. We bought our house for $190,000 and our mortgage payment is fixed at $1070/month (including taxes and insurance) plus a HELOC payment that was $136 last month. Let’s say we had sold it and managed to come away with $20,000 at closing to put down on another house. If we had bought a $300,000 home and financed $280,000 at 6%, the mortgage calculator I used came up with a monthly payment of $1678, which does not include taxes and insurance. That’s nearly $500/month more than we pay now, plus whatever the taxes and insurance would be on the bigger house. FOR THE NEXT 30 YEARS.

Last year, we converted a large second living room into two smaller rooms, one of which is now my husband’s office. This gave us a spare bedroom for a baby. We’ve spent the last few weeks remodeling our kitchen (it’s about twice the size it was before, with newer appliances and tons of counter space) and replacing the flooring in our upstairs. On all the projects combined, we’ve spent less than $5000 (probably more like $4000, but I’m leaving room for unexpected expenses that could still arise).

I know that our house is not as fancy as the $300,000 homes we were once considering. But the renovations we’ve done have given us everything about those homes that we needed – more bedroom space and a bigger, more useful kitchen. I like knowing that we’re living simply in a space that suits our needs, rather than stretching our budget to chase the “bigger is better” mentality. I’d much rather spend a few thousand dollars to make the place we have right for us instead of spending several hundred extra dollars every month for the next 30 years to have a bigger house.

I honestly think that our decision to stay in our first house will put us further ahead financially than any other frugal choices we’ve made. Driving older cars, shopping in thrift stores, eating at home – they all make a difference, and the little things do add up. But when I look at the amount we could be spending our our mortgage if we had upgraded our house, it would have wiped out most of the gains we make by living frugally day to day.

Frugal Shopping For A Kitchen Remodel

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Our kitchen remodel is off to a great start.  We spent all day yesterday gathering supplies, in true Frugal Babe fashion.  We bought a stove on Friday night that we found on Craig’s List for $175.  It was in a town about midway between my parents and us, so they met us at the lady’s house yesterday morning with their wagon so that we could haul it home.  We brought it home and moved it into its new spot, which seemed like more fun than leaving it in the garage for the next month.  We took the old one out to the curb and put an ad on Craig’s List saying that we had a free stove.  Someone came and took it today, so now we don’t have to haul it anywhere, which is a bonus.  And we have our new stove and dishwasher for a total of $275.

After we installed the stove, we stopped by our two local thrift stores to see if they had anything we needed.  We ended up with a beautiful wooden door for our kitchen pantry (currently a lovely plastic wood-looking material from the mid 80s) for $10.  We also got a corner cabinet with a lazy susan that almost exactly matches our current cabinets for $15 (I looked later at HD, and similar cabinets were $212).  The one we got needs a little bit of work, but it will end up being perfect in the corner of our current dining room that is being converted to kitchen.  And to round out the thrift store shopping, we found a pot rack for $15.  It’s still in the original box, and will be perfect hanging from the ceiling in our new, bigger kitchen.  Just those three things would have cost us about $400 new, and we spent a total of $40 on them.  So a very good start.

At Home Depot, we bought just about everything we need for the kitchen, as well as enough click-together laminate wood flooring to do all three bedrooms in our house, and new wooden doors and nice door handles to replace the fake-wood doors in our upstairs.  After the 10% discount that we got for opening a credit card at the store, our total bill came to $2086.  We have 12 months to pay it off with no interest.  We could have paid for the whole order without opening a credit card, but we wouldn’t have qualified for the $200 discount, which seems like a significant amount to us.

The counters ended up being much less expensive than we had originally budgeted, which is why we were able to afford the flooring and doors in addition to the kitchen stuff.  We had been looking at laminate counters that had to be custom ordered, but my mother mentioned that the counters are available straight off the store shelves if you’re willing to choose from just a few colors that they have in stock.  We found a color that we actually liked even better than the one we had settled on in the $15/sq foot options.  And it was about $6/sq foot.  Exact same brand name, but dramatically less expensive, and we love the color we chose. 

Today we bought a stainless steel kitchen sink that we found on Craig’s List.  We paid $30 for it.  The only thing we still need is a new microwave/range hood, which I see on Craig’s List all the time, so I’m sure we’ll find one we like.

All together, we’ve spent $2400 so far, and about $750 of that is for doors and flooring for our upstairs rooms.  So we’re still well under $2000 for the kitchen, and we have bought just about everything we need.  We’re so excited to see this project come together, and to know that we’re staying well within our financial means to do it.

Remodeling Our Kitchen

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We bought a new dishwasher today!  New to us anyway – we found it on Craig’s List and drove to the other end of town today to pick it up.  We paid $100.  It currently retails for $645, although the lady who sold it to us said that it’s about 7 -8 years old.  It’s fully digital, white with a stainless steel interior.  It has a few dings around the door, but it works perfectly, and is a HUGE improvement over the one we have, which we’re pretty sure is original to the house (1980s).  The one we’re replacing is black, missing several spikes inside (and where they fell off, the rack has some lovely rust on it), and has a knob to start it.  No buttons or LED lights anywhere. 

The people who sold us the dishwasher were getting rid of it because they wanted to switch to stainless steel.  Works for me – now we don’t have to spend $600 to get a new dishwasher.

I’ve written before about our desire to upgrade our kitchen.  We’ve lived here for five years, and have always talked about it, but didn’t think we could afford a remodel.  Then a few weeks ago I was talking with my parents about it, and they said that they thought we could do the whole thing for about $3000, if we were careful with our budget and did the work ourselves (with a lot of help from them, which they kindly offered).  They also suggested that it might be far easier to get it done now, while I’m still pregnant, than to wait until we have the baby.  I suppose a sleeping baby and power saws don’t go well together…

So my husband and I decided to go for it.  My biggest complaint with our kitchen has always been space – it’s very small – although the 20+ year old appliances and “butcher block” laminate counters don’t add much to the appeal.  I love to cook and spend a lot of time in the kitchen, so I’d love to have more space and more storage for all the food we like to buy in bulk.  So our plan is to annex the current dining room into the kitchen, and build in counters around it.  Then we can make our downstairs living room into a dining room, since we really don’t use it as a living room.  It’s more of a decoration and a spot for the cat to sun herself.  And she can sun herself just as easily in a dining room.

So here’s the budget so far:

  • laminate counters that look like granite.  Sounds tacky, but I swear they’re awesome.  My mother convinced me to go to Home Depot and check them out, and we were very impressed.  Granite started at $50/sq ft, and these counters are $16/sq ft.  We need about $70 sq feet of counter top, so about $1120 for counters. (compared with at least $3500 for granite or Corian)
  • Floor.  We have laminate tiles now.  Don’t particularly care for them.  Considering tile, but we found a sweet click-together laminate floating wood floor material yesterday, that would only cost $200 including the backing that we would need to put down.  Another option we looked at would cost about $400.  Still deciding on the floor…
  • Dishwasher – $100.  Done and done. 
  • Stove – looking on Craig’s List for glass top stoves.  Found several for under $200 but they were already sold.  We’ll keep looking and I’m sure we’ll get one for under $200 – there seem to be lots available.
  • Sink/faucets – We’re going to try to get these used as well, although I have some specifics in mind.  I’d like a high faucet and a deep sink…. Hoping to get both used for under $150.
  • Cabinets/shelving.  We will have an 8 foot section of new counter top in what is currently the dining room that will need storage underneath.  We’re looking at used cabinets, and we’re also considering open shelving.  Not sure what this is going to cost because we haven’t decided what we’re going to do yet.

So that’s the rough budget.  We’re very confident that we can do it for under $3000.  And we can afford that amount.  We can pay for it as we go (which would involve putting a little less into our IRAs for the next few months) or we can get a Home Depot credit card and use that to pay for counters, wood for shelving, flooring, and whatever misc. supplies we need.  The reason I’m considering the HD card is that they would give us 10% off of the first purchase, up to $2000.  So if we put $2000 on the card, we would save $200 right off the bat.  Then there’s no interest for 6 months.  We’ve used this sort of credit in the past (my husband’s teeth, the computer that we bought through our business account last summer) and been very pleased with it.  We’ve always paid everything off before the promotion expiration, and have never paid any interest on this sort of offer.  So I’m thinking we’ll do the same thing for the kitchen supplies. 

We’re very excited about this kitchen remodel.  We’ll keep it as frugal as possible and I’ll write about it along the way.  I’d say we’re off to a good start with the $100 dishwasher.

Category: family, Our stuff  9 Comments

Buying Clothes – Or Not

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Well Heeled is on a mission to not buy any clothes for six months. I like this idea, and I wish her well.  I’m having to consolidate my closets in preparation for the baby’s arrival.  I’ve been using the closet in my office (the room that will become the baby’s room in a few months) as an overflow storage area for my clothes for years, but I’m going to have to figure out another solution.  Maybe I just don’t need as many clothes as I have.  When I take boxes to the thrift store to donate, I shouldn’t leave with as big a bag as I dropped off…

One bonus is that since I’m wearing maternity clothes now, all my regular clothes are just hanging in my closet, not being worn.  So by summer time, I’ll be able to pull out a bunch of clothes that I haven’t worn in months, and it will all feel new again. 

I don’t need any more maternity clothes.  I’ve bought stuff at thrift stores for over a year now, and friends who have already had children gave me some nice stuff as well.  So I’m pretty much set – I have more than enough to get me through the next four months (and yes, I know, I’ll still have to wear them after the baby’s born, but I’m planning to have that be as short a time as possible…)

Since we’re in an ok position financially, and since I buy all my clothes in thrift stores and rarely pay more than $5 for anything, I don’t feel a huge financial need to strictly limit my clothing purchases.  But because we want to stay in our current house and make the space we have work for us, maybe I should stop buying clothes anyway.  I don’t need anything else…

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Our Free Zero-Pollution Lawn Mower

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For quite a while now, I’ve wanted a manual lawn mower.  The kind that just has a bunch of blades on a barrel that turns as you push it – no noise, no emissions, no gas used.  We’ve been using a gas powered mower ever since we got our house.  We cut way back on the size of our lawn last year when we xeriscaped most of our front yard, but we still have grass in the back yard and around the sides. 

Yesterday, my husband noticed that a house around the corner from us was being emptied out.  Most of the stuff was going in a huge dumpster, but some things were being set out by the curb, obviously the ones that were considered nice enough that someone might want them.  And there was a manual lawn mower in the pile.  It needs a little work – it hasn’t been used in a while and the blades are pretty dull, but he’ll have that fixed up in no time.  We’re both very excited to use it this summer, and you can’t beat free dumpster diving when it comes to getting used stuff.Â