frugal hacks

Meet a reader: Beth C. from NJ.

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The reader standing in front of a whole bunch of Falkland Island penguins is Beth C., a retired lawyer from South Jersey. I have had the good fortune to meet with Beth C. on two occasions while visiting family. Next year I may get another chance, as I will be traveling back east for my 50th (!) high school reunion.

Beth got her undergraduate degree in American Studies from a small (“but awesome”) liberal arts college in upstate New York, and then got a law degree. She spent the first seven years of as an attorney with a federal government agency in New York City, and the remaining 30-plus years in a private law practice in suburban New Jersey. Her specialty was health care regulatory and transactional work.

“I kind of fell into health care, since I got out of law school during a recession and the government agency that was hiring at the time needed people to work on health care issues,” Beth says. She loved working with people in that industry “because of the work that they did to help others.”

Now retired, Beth lives with her husband in a home they’ve owned for 29 years. Her two kids live nearby, and she’s able to see her grandchildren regularly. She delights in frugal hackery like using rewards points and airline miles, and taking surveys for extra money.

Being careful about her finances allows her to have fun in retirement and also to contribute to a program called Impact 100 NJ. She and others make an annual donation, and the cash is given out as grants to local nonprofit groups.

“I never would have been able to make that annual donation before,” she says. “It’s something meaningful, and I’ve enjoyed being a part of it.”

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Rewards programs FTW!

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(Happy Throwback Thursday! Yeah, I’m a day late. Time for an update because I’ve joined a few more rewards programs since this piece was originally published on June 11, 2021. Rewards programs have been a huge help to me: for gifts, for household items and for donations to those in need.)

Recently DF tore down the old woodshed next to the house. He’d long planned to replace it and in fact had the roofing materials all picked out: metal, so that in the spring and summer we could fall asleep listening to the sound of the rain hitting the roof.

This was the year, and it took him just part of a day to disassemble the thing. It would have been much faster to hit it with a pickax and crowbar, but he couldn’t rip and roar because the “new” shed would use parts of the old one.

More of it than he thought turned out to be usable, so all we had to buy was a couple of treated 2x6s, some special screws and, of course, that metal roofing.

I covered those purchases by cashing in at least $135 worth (lost count at some point) of Lowe’s gift cards from several different rewards programs. So many rewards, in fact, that we were able to buy some more potting soil as well.

Rewards programs for the win! Cheapest rehab ever.

I know I talk about rewards programs a lot, but that’s because they work. They earn us free household items, food, gifts and garden supplies. Which is why I think everyone should at least take a look at these programs. 

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7 uses for old/odd canned foods.

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I’m in the middle of a stealth trip to Phoenix to see my daughter. As always, I offer a second pair of hands for big chores* and/or to take on any tasks she wishes were done but hasn’t had the energy to complete. This time around, canned foods are involved.

Her small pantry cupboard has needed reorganizing for a long time. Some of the dried and canned foods in there were from my COVID-era visit. Did I throw them away? Nope. I made soup.

I took some of the oldest canned foods and drained, combined, spiced and slow-cooked them into a kind of prepper ragout. Use what you’ve got, right?

The stew included two cans of chicken tortilla soup, a can of crushed tomatoes, a can each of kidney and red beans, a can of whole-kernel corn and a small jar of turkey gravy. Abby was thawing some chicken for a lemon-garlic-yogurt dish, so I sliced off a bit to add to the crockpot. I cooked up some old** rice to add to each bowl, and garnished each serving with a dollop of yogurt or a bit of grated Monterey jack cheese.

Was it super-delicious? Only when I was really hungry.

Was it pretty good, though, along with being filling and frugal? You bet.

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Frugal hack, frugal snack.

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Sometimes you just want a crunchy treat. Chips or pretzels come to mind, but have you noticed the prices lately?

According to the Federal Reserve Bank of St. Louis, a 16-ounce bag of potato chips now costs 47% more than it did five years ago. Here at Casa Frugal we have a frugal workaround: homemade croutons.

I started making them for salads, but often they would be gone before supper because DF favors them as a snack. And why not? They’re salty and crunchy and incredibly cheap. Croutons can be made while you’re roasting meat or baking a cake; if you’re not cooking, you can bake them in an air fryer or toaster oven.

I can get a loaf of day-old Italian bread for as little as 58 cents. That means almost a pound of snacking joy – and as the years have gone by, I’ve refined the technique. Here’s how we do it.

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How to get Amazon Prime for free.

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For millions of people, Amazon is a way to get whatever they need, whenever they need it – and wherever they are. (More on that in a minute.) That’s why the rebranding of the “Prime Student” program is worth noticing. Amazon is offering six months’ worth of Amazon Prime for free to people aged 18 to 24, plus half-price Prime after that.

That means not just free parcel delivery, but also:

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Frugal hack: Grocery substitutions.

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I discovered a great frugal hack the other day while trying to use a “weekly digital deal” coupon at Fred Meyer. The store, which is part of the Kroger chain, offered six-packs of 16-ounce soft drinks* for $3.49.  

Some days I don’t drink soda at all, and some days I’ll have two. Lately I’ve bought bottles rather than cans, so I don’t have to drink an entire serving at once. Tightly capped, a Diet Pepsi will hold over until the next day.

When I see a price like this one, I limit out until the next big sale. Unfortunately, the store didn’t have any Diet Pepsi. It had every other Pepsi flavor imaginable (and some I don’t like to think about**), but not the one I wanted.

No Diet? No problem! I headed off to another Fred Meyer and found the same empty spot on the shelves. A grocery manager looked everywhere and sadly reported they, too, were out. Damn those weekend barbecues and salmon-fishing trips!

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KeyHero is your friend.

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Greetings from Phoenix, where I have keys to my daughter’s new locks. In fact, I had those keys when I arrived, thanks to KeyHero.

She recently replaced those locks due to how “old and beat-up” they were after who-knows-how-many years of service. (Hint: Abby didn’t change them when she and her now-ex husband moved in 12½ years ago.)

The locks still worked, but looked pretty terrible – and like me, she saves where she can so she can spend where she wants. In this case, what she wanted was new locks.

This meant my old keys were kaput, and since I was arriving at almost 11 p.m., she would likely be asleep. I make it a point never to wake up a hostess with chronic fatigue.

Hence: KeyHero.

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Always check clearance. Always!

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When visiting my daughter in Phoenix, I walk as often as possible. In part, that’s because I’m nowhere near a gym* but it’s also because (a) it gets me out of my daughter’s hair for a while** and (b) in the winter it’s such a delight to see sidewalks without ice.

By foot, it’s about one mile to a Walgreens. I always go in, even if I don’t need anything (or need to use the bathroom). That’s because my rule is always to check clearance. Most of the time I don’t find anything, but sometimes I score.

Last month, I scored big-time: three two-packs of replacement brush heads for our Sonicare toothbrush. They were Walgreens brand, but they fit. (I called DF to make sure before I bought them.) Each two-brush pack cost me 70 cents, or 35 cents apiece.

Typically, these brush heads cost anywhere from $1.99 to $13.74 (!) apiece. In other words, 468% to 3,825% more. Wow.

My dentist is happy. My budget is happier.

Clearance is (sometimes) your friend

It sounds like such a no-brainer. Such a simple thing to do. But it’s not true for everyone.

If you didn’t grow up watching someone sort patiently through piles of dross in hopes of finding a diamond, then “clearance” might be foreign territory to you.

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Today’s frugal win: Deal-stacking.

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DF wanted to see the Metropolitan Opera’s HD broadcast of “Lohengrin,” but also second-guessed that wish. The $25 ticket wasn’t so bad when you consider the opera lasted a little over five* hours, but still…And then there was the popcorn and cold drink that he’d surely need to handle five-plus hours of Wagner. He was on the fence until I suggested a few frugal hacks.

Here are the (many) elements of today’s frugal win:

Senior discount. He got $2 off for being old.

Movie Club. This subscription deal at Cinemark gives me one free movie a month plus a concessions discount. I asked the cashier to apply one of my free movie credits to the Met Opera ticket, which lowered the price from $23 to $10.75.

Ibotta gift card. I redeemed a $20 Cinemark card from my Ibotta account. (For more on Ibotta and other frugal hackery, see “Rewards programs FTW!”)  

Cinemark coupon. I got a $1-off concessions coupon by cashing in 25 of my Cinemark rewards points (which you get each time you buy tickets and food).

Movie Club discount. I get 20 percent off concessions purchases with membership.

Once all the discounts and the gift card had been applied, the tab had shrunk to just $1.45.  Now you can see why he decided to go.

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Low- or no-spend February 2023: If you give a mouse some icing…

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During the final week of the low- or no-spend February, I did what I did the first week: spent money. It started out very small and got a lot bigger – but not much more expensive. I coped by:

  • Using a gift card from shopping apps/rewards programs, and
  • Reminding myself, again, that it was low– or no-spend February, not “don’t you dare” February

Here’s how it all began: While doing a little Shopkicking (see shopping apps/rewards programs link above), my eye was drawn to a clearance-colored shelf tag. Turned out the store had cake icing (which some of you know as “frosting,” but I’m from South Jersey) for 25 cents a tub. I double-checked to see if a digit had fallen off the sign but nope, it was 25 cents.

I couldn’t not buy it at that price. And as soon as it was in my hands, I remembered a reader named Wendy, one of the recipients of this blog’s Giving Cards partnership. She used her $20 gift card to buy cake mix and icing, packaged them with disposable cake pans and birthday candles she already had, and dropped them at a food bank.

If you give a mouse some 25-cent icing, she’s going to want cake mix. Then she’ll want candles to make the celebration a little brighter. And what about a birthday card? Every mouse wants one of those.

Referring, of course, to the “If You Give A Mouse A Cookie” books. (As an Amazon affiliate, I may receive a small fee for items purchased through my links.) 

 

I decided to make a pair of birthday party kits to give away on the Buy Nothing Facebook page. To do that, I’d need to buy the aforementioned cake mixes and candles. The mixes were on sale, two for $3, so not too bad. The candles were zero dollars out of pocket because I cashed in some Shopkick scrip. Finally, I added birthday cards from my card stash and put the two kits up for grabs.

But that wasn’t quite the end of the story.

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