saving money

How Alaskans fix their cars.

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Alaskans believe that duct tape fixes everything. Some people call it “hundred-mile-an-hour tape” because pilots have had to repair their wings with that sturdy gray* stuff. But apparently duct tape works on cars, too.

Off and on over my years in Alaska I have seen vehicles repaired with duct tape. On those occasions I didn’t have a camera with me. Having joined the 21st century and bought a smartphone, I now have a camera with me pretty much 24/7.

Yes, I have become one of those people who takes pictures whenever something strikes her as beautiful or funny, or both. For example, here’s a picture of my niece’s pup showing off her winsome doggy smile: 

 

I don’t keep all my pictures, but I confess to having a heck of a lot of pictures of our yard and greenhouse. At some point I will turn them into this year’s version of “Looking back at the garden.”

But that’s not what I came here to talk about. The subject today is fixing cars.

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Monday miscellany: Debt taboo edition.

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Some folks would rather talk about religion, politics, COVID-19 safety protocols or even their weight than discuss their credit card debt, according to a new survey from Bankrate.com. These days, that really means something. After all, families have fractured and friendships have evaporated after discussions over the 2020 election, and whether or not COVID is real. Compared to those incendiary topics, debt seems relatively tame.

The survey revealed that millennials are the most likely (62 percent) to be willing to discuss credit card debt, compared to Gen Z (59 percent), Gen X (51 percent), Baby Boomers (47 percent) and the “silent generation” (41 percent).

Ana Staples, a young credit analyst for Bankrate, thinks this is a good thing. “Even though debt is still an uncomfortable topic, young people are less prone to be cautious of its stigma,” Staples notes.

“Credit card debt isn’t something to be ashamed of.”

No – but it is something to be avoided. And many of those surveyed worry that they’re in this for the long haul. 

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How to save money on meat.

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The price of meat is a little terrifying right now. Before you respond with how much cheaper and healthier vegetarianism is, please don’t. We eat a ton of veggies, grains and beans, but we also like meat. For us, the never-ending question is how to save money on meat.

DF is particularly fond of bacon, eating it at two or three breakfasts a week if he can. The price of these pig mornings has cost a lot more lately; according to this article, bacon has gone up 17 percent in the past year. (Seems like more than that up here in the home of the Alaska Gouge.) Which is why I was delighted to be able to buy Oscar Mayer bacon for $3.62 per pound earlier this week.

That wasn’t the rack rate, of course. Some frugal hacks were required. In this article I’m detailing those hacks, for two reasons:

To remind readers that finding the best prices may take a bit of work – but not that much work, and

To encourage readers to look for better deals of their own, vs. feeling anxiety at the cost of meat (and everything else). Given how fast prices are rising, it behooves us all to do a bit of research rather than just buy without thinking and cry without ceasing.

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Holiday shopping hack: Unused gift cards.

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I give a lot of gift cards for birthdays and Christmas, because I like the flexibility* they provide  to the recipients. Generally I get them from rewards programs, which means that most arrive as e-gift cards. I print out two copies: one to give and one as backup in case the cards get lost.

Which isn’t me being paranoid. Lost gift cards are a thing. According to a Bankrate.com poll of nearly 2,400 adults, U.S. residents have an estimated $15.3 billion in unspent spending power just lying around. The average amount is $116 per person.

On the bright side, it was $167 per person back in January 2020. That’s progress.

These numbers are sobering – and unnecessary. That’s why I’m proposing that we all go on an unused gift card hunt. Mine happened on Sunday, quite by accident.

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Be a frugal role model.

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A while back my cousin found out he’d accidentally encouraged someone. While he was on his daily walk, a car pulled up and its driver called out to him. Seems she and her daughter had seen him taking long strolls in the hot Utah weather.

“You inspired me to get out and walk. I’ve lost 10 pounds since February, just walking,” she concluded.

My cousin posted this encounter on social media, concluding with, “Sometimes we are unaware of the impact we have on others.”

A longtime reader, whom I’ll call V, recently reminded me that my long-ago MSN Money Smart Spending posts inspired her to pay off a ton of consumer debt. Soon after the debt was gone, V’s husband was killed in a traffic accident. Because she was otherwise debt-free, she was able to handle the mortgage on her own.

“You gave me the tools and support when no one else was there,” she says.

I pointed out that she was the one who did all the work. But I did cherish the gig of frugal role model for MSN Money. Even though I now work on my own, I still love sharing ways to get the most bang for your buck.

Judging from the comments you leave, a lot of my readers are not only frugal, but also love sharing frugal hacks. I encourage you to keep doing that. Money-saving knowledge is needed more every day in this country.

During the pandemic lots of folks cut way back on spending. Living on less was essential if you’d been laid off or had your small business hammered by lockdown. It reminded me of the recession, when people were floundering and desperate for info on how to pay their bills.

Enter personal finance blogs, which told readers how to fix cheaper meals, use coupons and take other steps to keep costs low. People couldn’t get enough of this advice until things eased up a bit – at which point some couldn’t wait to get back to business as usual. They jettisoned frugality, deciding it was no longer necessary because the good times were back. 

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Attack of the greenhouse tomatoes.

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Most of the year we don’t eat tomatoes, because we know what they should taste like. Oh, we’ll buy a few Roma tomatoes to cut up into salads, but they just plain don’t taste like much.

I once described the flavor and texture as “ketchup-tinged oatmeal,” and I stand by that description today.

At this time of the year, though, we can have all the tomatoes we want. In fact, we have trouble keeping up.

Even eating them up to three times a day does nothing more than keep us from losing love apples to rot. The horror.

Which is why I’m thinking of it as an attack, a la “Attack of the Killer Tomatoes.” (As an Amazon affiliate, I may receive a small affiliate commission on items purchased through my links.)

My niece and great-niece came over for a lunch of Black Prince and Cherokee Purple tomatoes on DF’s fresh rustic bread with mayonnaise, some of our Red Sails lettuce and crisp bacon, plus fresh cucumber slices on the side. (More on those in a minute.)

This has been a year for some weirdly shaped tomatoes. That one in the illustration was uglier than sin, and twice as satisfying. Some of them look normal, but we’ve had quite a few gnarled behemoths that are hard to slice, but completely worth the effort. The flavor just knocks us out.

It’s hard to describe the taste of these heirloom varieties: sweet as sugar but with an underlying tomato tang. There’s a reason they charge $10 a pound for them at the farmers market here in Anchorage.

And there’s a reason we refuse to buy them. In part it’s because we don’t want to pay $10 a pound for meat, let alone tomatoes. It’s also because we can grow these beauties ourselves, and for a few short weeks we can gorge ourselves. More than a few short weeks, actually, because when the weather gets too chilly we’ll bring in all the greenies and let them ripen. Usually we finish them all by the beginning of December, at which point we start to dream tomato dreams once more. 

 

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Monday miscellany: Social media shopping edition.

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Last week I did something unprecedented: social media shopping. Specifically, I succumbed to a Facebook ad. While I can’t say too much about this, on the off-chance one of the two recipients is reading, I can say I think the gifts I purchased will be a hit this Christmas.

This was new to me, but definitely not to everyone. According to a CreditCards.com survey, nearly three-fourths (72 percent) of millennials say social media affects their buying decisions. By contrast, only 45 percent of my own age group copped to this kind of impact.

Ana Staples, an analyst with Bankrate.com, says it’s pretty easy to be influenced. In fact, she recently had to put herself on a “book-buying ban” after watching too many TikTok videos about reading. Staples realized she had months’ worth of reading material already stashed.

“Not my proudest moment,” she says.

To help the rest of us avoid impulse buying – and, maybe, Internet scams – Staples offers the following tips. 

 

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7 ways to get free groceries.

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Back in July 2019, a member of my neighborhood Buy Nothing Facebook group posted about an estate sale that wanted to dump all the kitchen stuff. Free groceries! Woo hoo!

The catch: You had to take all of it, or you couldn’t have any of it.

That didn’t bother DF a bit. He cheerfully brought home several of those large plastic totes full of nonperishables: soups, relishes, pickles, marshmallow fluff, Minute Rice, dried beans, canned milk, Stove-Top stuffing mix, jams and jellies, other stuff I’m probably forgetting and – our favorite – a 33.8-ounce bottle of vanilla.

The vanilla was our favorite part of the score. Have you priced that stuff lately? On Amazon it seems to range from $1.03 to $4.99 per ounce. [As an Amazon affiliate, I may receive a small fee if someone shops through my links.]

 

 

Getting this vanilla means two years’ worth of free flavorings for Lightning Cake, cookies, brownies, and tapioca, rice and coconut bread puddings. It’s unlikely that most people will score a find like the estate sale. But I have gotten free food in other ways, too – and maybe some of these tactics could help you build a deeper pantry.

 

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Extreme frugality: Putting food by.

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We spent parts of yesterday and today putting food by. Specifically, we turned seven or eight pounds’ worth of rhubarb into fruit leather.

First we chopped and simmered, then let the soupy stuff drain through a pair of colanders before glopping it into the dehydrator. We saved some of the juice to drink as a tonic; anything that tart has to be good for us, right?

The rest of the juice was frozen into chunks (which I insist on referring to as “Rhubik’s Cubes”) and set aside for my homemade smoothies. Made with free rhubarb and raspberries, marked-down “red band” bananas, half a cup of bulk-bought rolled oats, an egg and a big scoop of my homemade yogurt, these things are cheap as well as healthy. (And since I’m having the second part of my dental implant work done next month, I foresee a few liquid meals in my future.)

The last of the fruit leather finished dehydrating this morning. Like the other batches, it was rolled up inside paper scavenged from two sources: cut-apart cereal box liners and waxed paper saved from my sister’s annual tin of homemade peanut brittle. Flavored with sugar and a bit of ginger, the leather is a tangy, chewy treat that I must stop sampling or there will be none left for winter.

A previous batch of rhubarb had been turned into a compote sealed in pint jars, to be added to future dishes of yogurt. Not sure how many hours it took to do all this, but to us it doesn’t matter. We don’t put a dollar value on our gardening and food preservation, for two reasons: 

  • We don’t get paid for every minute we exist, and
  • We enjoy the process of turning home-grown produce into something we can enjoy next winter.

Some people would rather buy their veggies than grow them. I get that. Not everyone has the physical ability, the time or the real estate to garden. And fact is, the average person buys most of their stuff. We pay someone else to raise meat and produce, bake our bread, sew our clothes, build our homes.

For us, gardening is entertainment – and we don’t have to dress up or drive anywhere to enjoy it. Watching tiny green shoots grow into delicious foodstuffs is a reliable annual miracle. If you’ve ever grown so much as a pot of herbs on the windowsill, you understand what I mean.

Preserving the results is a natural progression. Making raspberry jam, cutting up carrots for canning, picking peas to freeze, plucking greens to dehydrate, slicing beets to pickle, peeling apples to cook into sauce – it’s all fun for us, even when we get tired toward the end.

The greeny smell of dehydrating kale, the sneezy scent of cloves, the sharp bite of vinegar, the soothing aroma of slowly simmering apples all keep us going: This is sustenance. This is satisfaction. This is safety.

 

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Why you need a freezer.

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Before DF was in my life, there was another: Chester. Cool and calm, he collected great deals for me: manager’s-special meats, gleaned blackberries, bread from the bakery outlet, and on-sale veggies, flour and butter.

Chester was – and is! – a 5.5-cubic foot chest freezer. Right now he’s crammed mostly with on-sale meats; there’s room, because we finished up last year’s raspberries. Recently we’ve found some pretty astounding prices on late-date carnivore bait: ground beef for a dollar a pound, a three-pack of bratwurst for about 68 cents a pound and shank-end hams at 49 cents a pound.

About that last: It is not a typo. I can’t remember when I’ve seen ham at a price that low. Maybe…Never? And thanks to Chester, we were able to get three of them.

You don’t have to be an omnivore to appreciate a freezer, though. When frozen vegetables are available at fire-sale prices, you can get six or seven (or more) bags instead of being limited to one or two. Vegetarian/vegan frozen foods are increasingly varied in scope, so you don’t have to do everything from scratch. (Although my vegetarian sister makes and freezes a big batch of refried beans on the regular.)

And no, the electric bill hasn’t gone up noticeably. (At the time of purchase, I estimated the cost at 78 cents per month.) And even if today’s freezers weren’t super-energy-efficient, I would still want one. Here’s why. 

 

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