frugality

How frugalists rock Earth Day.

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(Happy Throwback Monday! It would have been Throwback Thursday per usual had Earth Day been responsible enough to occur on a Thursday. This post originally ran on Earth Day 2023, which was April 19.)

Everywhere I looked online this morning were reminders of Earth Day 2023. My initial reaction was to remember my high-school Ecology Club. That’s when I believed, truly believed, that we’d have this all figured out pretty soon.

Boy, was I young.

That thought was followed by this one: Frugalists are eco-warriors.

Because we are. We really are! Although our goal is to be good stewards of our finances, we wind up being good stewards of the Earth. The steps we take to save money help us ameliorate our impact on the environment.

Here are seven ways we do that. Note: These aren’t universal. Few people likely do all these things or even most of them, but I know that my regular readers do at least some of them.

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Meet a reader: Ann from South Carolina.

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First, let me be clear: Ann is not a turtle. She’s a  camera-avoidant reader who requested that I use a photo she snapped of a turtle sunning itself.

There’s another reason for the turtle, though: Its slow-and-steady approach to life is analogous to Ann’s brand of frugality.

She’s in no rush to get the latest anything, has lived in the same house for more than three decades, and knows all the best thrift stores. Recently, Ann met a friend for lunch at a hospital snack bar, which she says has a “spa-like” vibe: “It’s got a skylight, it’s very sunny, they’ve got healthy food, it’s inexpensive, it’s fast.”

She drives a car “that no one will steal,” and specifically chose a job with a pension. Ann is lucky to live in a city where supermarkets “compete,” and she can turn those deals into comfort foods that cost way less than takeout.  “I feel rich if I’ve got cooked ground beef in the freezer…a perfect start for tacos, spaghetti, chili or nachos.”

Ann has been a reader since the MSN Money days, so it was great fun to attach a voice to the history. Please join me in congratulating her on her end-of-December retirement, at age 57. And enjoy the following conversation, which has been lightly edited for brevity and clarity.

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We ring in the new year, cautiously.

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Some believe that whatever you do at the start of the new year, you’ll repeat all year long. DF and I made sure to ring in the new year with moderation and frugality. This wasn’t exactly a stretch, since we tend to live moderately and frugally all year long. We aren’t particularly superstitious people anyway.

Still: Why take chances?

It started the morning of Dec. 31, when he dumped the boiling bag in the slow cooker along with some vegetable cooking water from the freezer. By midday he had a very savory-smelling broth cooling outdoors. In the evening he put some black-eyed peas to soak overnight.

This morning, he caramelized onions and some garlic scapes from our garden (which made the house smell divine), then dumped them into the slow cooker along with yesterday’s  broth, sliced carrots, dehydrated celery leaves* (also from our garden), frozen green tomatoes (from a not-successful-enough** foray into frying) and some ham chunks. That’s because DF’s mom was born in Texas, where hoppin’ john is a New Year’s tradition alleged to bring prosperity for the coming year.

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Life as a personal grocery shopper.

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We found chicken for less than 12 cents per pound yesterday, a discovery too good to keep to ourselves. Instead, I did what I always do: Texted my niece and my neighbor to see how many packages they might want. While I never wanted to be a personal grocery shopper, I can’t keep deals like that to myself.

Those poultry deals were five-pound-plus packages of chicken drumsticks for 64 cents, and boneless, skinless, organic chicken breasts (2½ to 2¾ pounds) for $1.28 apiece.

We left the store with a lot of chicken. It helped them, and it helped us reach our goal of getting a free turkey* through a store offer.

Sharing deals is a sort of frugal ministry for me. Maybe it could be for you, too.

I’m not saying you must do this every time you hit the store. Or maybe at all, if it doesn’t fit your current life. But given how expensive food is getting, think what a gift this could be to others. 

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Meet a reader: RoInRocketCity.

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This is the third in my “Meet a reader” series and as with the first two, I’ve had the chance to meet with Ro in real life.

That happened at the 2016 Financial Blogger Conference in San Diego, where Ro was living at the time. We had a too-brief meetup, and I’m afraid I was a bit distracted because my daughter, who was also attending, was sick. (Those waxing-and-waning symptoms turned out to be sepsis. Yikes.)

Even so, it’s always fun to meet someone who’s been commenting on your stuff – especially since Ro has been a commenter since my MSN Money days. She always had (and has) thoughtful things to say.

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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: Who’s in?

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This is not a new idea, and in fact many bloggers make it a strictly no-spend February. But I like to keep things a bit looser because not everyone can just stop buying things.

Not that you have to stop buying entirely. If you get a head cold in late February, you don’t have to wait until March 1 to hit the drugstore.

And obviously you’ll still have to gas up your car/renew your transit pass as needed, or pick up fresh produce or milk when you run out (and if you decide you can’t live without these things).

The point of this 28-day exercise is to try not to spend, and to be intentional about what you do end up buying. Pretty sure you guys are already good at that.

So: Who’s in?

Instead of buying on autopilot, a low- or no-spend February asks you to think critically about everything you want to put into the shopping cart:

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Found money in 2022.

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Longtime readers know that I save my found money all year long, keeping it in a vase that my daughter found for me in the free box of a long-ago yard sale. In January, I round up the total and donate it to the food bank. This year’s total greatly eclipsed the 2021 take: $18.04 vs. $5.88.

The found money looked like this:

  • One $5 bill
  • Three $1 bills
  • 27 quarters
  • 19 dimes
  • 13 nickels
  • 74 pennies

The greenbacks were courtesy of DF, who did a couple of quick opinion surveys for a company that, believe it or not, sent him actual cash vs. a check or a gift card. His reasoning was that he is retired and wasn’t looking for employment; therefore, it was found money.

Usually I donate to Feeding America or to the Food Bank of Alaska. This year, as in 2021, I’m going to donate to the church of my childhood. The Fairton United Methodist Church now operates a small food bank to help people in that small town.

Some people are appalled by the notion of picking money up from the ground, the floor or one of those Coinstar machines. If that’s you, then you do you. But as I noted in “Filthy lucre,” it’s not as though I carry these coins home in my mouth. Food banks are being bombarded (thanks, inflation!), so for me it’s worth the stoop and then the hand sanitizer.

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Black Friday serendipity.

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The washing machine finally died. DF can’t remember how old it is, but it’s at least 25 years old and possibly older. It didn’t owe us a thing. But the appliance still had one act of service left: It waited until the day before Black Friday to give up the ghost.

We were lucky it lasted as long as it did, yet we dreaded the cost of replacing a major appliance. Even a quick glance at the ads left us a bit breathless.

Fortunately, we are money nerds who specialize in stretching every dollar. A quartet of frugal hacks helped reduce the financial pain: 

First, DF compared prices and incentives at half a dozen retailers before choosing Lowe’s. (Hurrah for free delivery, setup and haul-away!)

Second, as always, he paid with a rewards credit card. As do I: All of my plastic is rewards plastic. It just makes sense to us.

[Surviving and Thriving has partnered with CardRatings for our coverage of credit card products. Surviving and Thriving and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses and recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.]

He further sweetened the pot by raiding the “washing machine fund” jar for another $150. This is one of our easiest stealth saving* tactics: For every load of laundry we run, $2 goes into a jar. Your fund can be for anything you want; in fact, we took money from this jar a few years back to help pay for a new stove.

Finally, I cashed in enough Shopkick points to get $225 worth of Lowe’s gift cards. Since I’m always telling him that the points are for our household, not just for me, this was another chance to put my (free) money where my mouth is. As recently noted in “How I saved $233.07,” these rewards programs provided a pretty nice boost to our home and garden budget this year.

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