Giving Cards: The update.

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Back in early June, Nate St. Pierre of Giving Cards gave me a wonderful opportunity to pass along to readers: The chance to “think ‘big’ with ‘small’.”

Specifically, the chance to take a $20 prepaid Visa card and use it to make a big difference in someone’s day. (Or maybe a whole bunch of someones. More on that below.)

Five readers were chosen to receive these cards. The only request from Giving Cards is that they not simply hand over the card. Instead, recipients are asked to think about how to deliver the biggest impact with such a relatively small amount of funding. What I love about this is that it sets recipients loose to dream.

It also lets them provide a little love for local causes. After all, nationally known organizations are always going to get donations. They’ve got the funds for outreach and marketing. But small causes that make a difference locally need help, too.

All the winners had great results. If I had to pick a favorite, it would (narrowly) be the cake kits. A reader named Wendy planned to buy $20 worth of cake mix and icing, then package them with disposable cake pans and birthday candles that she already had on hand. They’d be delivered to a local food bank.

“That will allow people who use the food pantry to make cakes for special occasions. Often these are too costly to purchase, or the ingredients aren’t available at food banks,” she said in a comment on the original post.

Can confirm, having been broke, and having used a food bank. While a cake for someone’s birthday (or graduation, anniversary, confirmation, etc.) isn’t necessary as such, it sure makes being broke a little easier to bear. My guess is that Wendy’s cake kits brightened some people’s days considerably.

Even though she did Giving Cards wrong. But in a great way. 

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Meet a reader: FrugalStrong from Texas.

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Like the first person featured in the “Meet a reader” series, FrugalStrong has also been the subject of a post on this site. I had the chance to meet her and her family when they traveled to Alaska. The result was an article called “Why aren’t more people frugal?” The title for that piece came from a question her husband posed during our frugal meet-up at a Carl’s Jr. restaurant (a location chosen for its big indoor playground).

When the 2017 Financial Blogger Conference took place in Dallas, she invited DF and me to stay for a couple of days, pre-conference. Their home is on a lake, and DF got a kick out of being able to swim in late October. Unfortunately, I came down with some kind of bug while I was there, which was mortifying, but she and her husband couldn’t have been nicer about it. 

Our recent phone chat was the two of us taking turns preaching to the choir. FrugalStrong and I have the same mindset: Save where you can so you can spend where you want.

Here, lightly edited for brevity and clarity, is that conversation.

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Extreme frugality: Deal eyes.

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The first Tuesday of every month is a standing date for DF and me: “Senior Day,” when folks over the age of 55 get 10 percent off all Kroger brands. In keeping with our extreme frugality ethos, we cruised the entire store to look for special deals.

And boy, did we find one. The price was so startling that we did double and then triple takes: 1½-pound boxes of Kroger breakfast sausage links for 49 cents.

What made the deal extra-surprising is that the 1½-pound boxes of Kroger breakfast sausages right next to them cost $4.99 each. Examining the extreme-frugality version, we saw the reason for the startling differences in price: The cheaper sausage needed to be used or frozen that very day.

Fortunately, we now have two freezers: My niece replaced her 5-cubic-foot model with a much bigger deep-freeze, and gave us the old one. DF and one of his sons had picked it up just two days before.

So we bought a lot of sausage, including five boxes for my niece and her kids. This being Senior Day and the sausage being a Kroger product, we even got an additional discount. (Sort of. More on this below.)

The moral of the story: If you want to practice extreme frugality, you need to develop what I call “deal eyes.”

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Life hack: Baking soda as oven cleaner.

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While baking pie* recently I smelled something burning. My initial thought was that bits of crust had fallen onto the cookie sheet under the pie tins. Nope. The smell was from the floor of the oven, where a now-carbonized remnant of a previous meal** continued to smolder. Time for some oven cleaner.

DF offered to take care of it. I agreed, and suggested a very simple way to do this. No need for a commercial cleanser or the oven-cleaning cycle as long as we had baking soda on hand.

He was unfamiliar with this particular life hack, so I explained it to him:

  • Cover the burned-on stuff completely with baking soda.
  • Sprinkle water atop the soda until it’s fairly damp (but not soupy).
  • Let it sit for a bunch of hours (for me, that’s usually overnight).
  • Wipe it up.
  • Rinse thoroughly.

Easy on, easy off*** – could it really be that simple? 

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5 money lessons from “Jurassic World: Dominion.”

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I do love finding personal finance lessons in popular culture. Today I’ll take out after “Jurassic World: Dominion.”

Was it a good movie? Hard to say. Asking this is like asking, “Was your McDonald’s meal a good dining experience?” Answer: It filled me up okay but it was neither memorable nor remember-able. “Jurassic World: Dominion” is the same sort of cinematic non-feast: I remember enjoying certain parts of it, but on the whole it was just…long. If I’d been wearing a watch, I’d have been checking it after about the 90-minute mark – and the film lasts for 147 minutes.

The first film in the series, “Jurassic Park,” was a wildly entertaining film with plenty of action and terrific (for the time) special effects. But it also asked the hard questions. You know, stuff about humankind’s ongoing attempts to control Nature and our inability to look at something wondrous without wondering how much money it could bring us.

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Support the reader economy: Giveaway #4.

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I hesitated to post another “Support the Reader Economy” giveaway so soon after my most recent giveaway, which was a $15 Starbucks gift card on June 20. Then I realized:

(a) That was several weeks ago (so easy to lose track of time during an Alaska summer), and also

(b) People are being slammed by inflation, so why not offer a little help right now instead of waiting?

In the grand scheme of things that help is rather small: A $25 gift card to the winner’s retailer of choice. On the other hand, it’s always fun to win things – and even though $25 is chump change these days, in some cases it could make a big difference.

For example:

You’re coming off a spell of unemployment and playing catch-up.

You’re in the middle of a spell of underemployment, and have more month than money.

You’re having one of those years where everything that can go wrong did go wrong, from major repair bills to high medical co-pays.

Will $25 fix any of those situations for good? Of course not. But it might provide gas to get to work, some Payless Shoe Source sneakers for your fast-growing youngest kid, or some milk and bananas to balance out this month’s food-bank offerings.

The giveaway was never meant to be a solution to a major problem. It’s more like a slice of serendipity, an e-hug from me to the winner to encourage them to keep fighting.

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Anatomy of a frugal freezer.

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Recently I did an article called “Anatomy of a frugal meal,” in which I detailed the various hacks that went into producing a last-minute meal that was both cheap and delicious. The reaction was so positive that I decided follow-up pieces might be in order.

The first idea came when I opened the freezer and realized how many things were engineered into that relatively small space. To be clear: This is the freezer atop our fridge, not the chest freezer. (But that one’s pretty full as well.)

As you’ll soon see, the fridge freezer has both good deals and odd stuff. Yet each item represents the best use of our food dollars, whether that’s growing it, buying it on sale or getting maximum use out of every bit of nutrition.

About that last: In a piece called “Extreme frugality: Use all the bits,” I pointed out that the price of eating hasn’t been this high for 10 years.

“Extreme frugality may become a necessity, if it isn’t already. So why not work to get as much out of every food item you buy? (As) the per-plate price of food continues to climb, remember that preventing food waste helps make your groceries more cost-effective.”

Our freezer is crammed with cost-effective (and sometimes free) items that keep costs down and mealtimes delightful. Have a peek inside.

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2 illnesses (one COVID, one not).

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Let me say upfront that I did not have COVID. My poor niece has it, though, and she’s been suffering. Ever the momma, though, Alison opted to quarantine in a tent in the yard (more on that in a moment) rather than expose her two children to the virus.

My own illness was far more plebeian, though fairly uncomfortable in its own special way. It laid me low for most of last week and has left me fatigued and cranky. Which is one reason that it’s been, good grief, 11 days since I last posted here.

Still trying to form coherent thoughts, as well as to catch up on assignments whose deadlines I missed. I’ve also been dropping off things I think my niece could use: ice for the cooler, washed grapes, chicken noodle soup, Ritz crackers and, for fun, a sleeve of Otter Pops. (We’d been reminiscing about freezer pops recently, so when I saw a box of 80 OPs for just $3.29 in the “manager’s special” bin, I snatched it up.)

I don’t go into her home or her tent, or even near them. Instead, I set the stuff near the front door and text her kids to come get them. They come out with masks on, chat briefly (from a distance) about how it’s going and go back into the plague house.

About that tent: A friend of Alison’s referred to the quarantine tent as “the ’Rona Cabana,” and that earworm* would not leave my head.

The only way to get it out was, of course, to write about it. 

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How to get free stuff.

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Once upon a time, it was easy to get free stuff. In the early days of Internet marketing, companies vied with one another to give away everything from candy bars to condoms.

Of course, this free stuff came at a cost: The manufacturers would spam you, and your info would likely be sold so that other people could spam you, too.

But for a little while our mailboxes turned into piñatas, spilling out stuff like protein bars, breakfast cereal, T-shirts, pet food, feminine hygiene products, fabric softener, cosmetics, snack foods, energy drinks and all sorts of over-the-counter medications. Those were the days.

Marketing has changed, and most of the folks who used to run freebie sites either sold their URLs or dropped outta the blogging business. But when asked to find out what’s still there, I found enough to write about for Money Talks News. “6 of the best websites for finding free stuff” notes that times have definitely changed:

“(Some) so-called ‘freebie’ sites are more about items that are free if you:

  • Use coupons and rebates.
  • Pay upfront and then get a loyalty program credit or an online rebate.
  • Jump through multiple hoops, such as creating an account, installing an app and linking your social media account.
  • Enter a drawing for a chance at getting the free item.
  • Take surveys and then use the points you earn to get “free” stuff.

“Hey, there’s nothing wrong with taking surveys; it’s one way of earning extra cash. Nothing wrong with rebates, either. But sometimes you just want to click it and claim it.”

I did come up with more than half a dozen legitimate ways to score gratis goods. (A couple of extras are tucked in as also-rans.) The article also includes pro tips and caveats. Have a look, and score some free stuff of your own.

A few other pieces I’ve done for Money Talks News lately:

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Giveaway: $15 Starbucks gift card.

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It’s darned hot in the Lower 48 right now. Anyone up for a cold drink? I’m giving away a $15 Starbucks gift card.

What you use it for is up to you, of course. Maybe a mango dragonfruit lemonade, or a caramel ribbon crunch Frappucino, or a chocolate cream cold brew.

Those all sound like desserts to me, but hey, whatever floats your boat. And cools you down. It’s punishingly hot down in the States, and in Hawaii, so let me buy you a Starbucks beverage.

Maybe you’ll go for an iced Americano, an iced toasted vanilla oatmilk shaken espresso, an iced cinnamon dolce latte or an iced caramel macchiato.

Whew. Complicated! 

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