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* Top 10 money drains - 7 messages, 5 authors
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* OT Looking For A New Job - 10 messages, 8 authors
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* saving money by..... Running Air Conditioning with windows open at night - 2
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* interesting uses for pringle boxes - 1 messages, 1 author
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==============================================================================
TOPIC: Top 10 money drains
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/4b4f42b2c99e847d?hl=en
==============================================================================
== 1 of 7 ==
Date: Wed, Aug 22 2007 10:33 am
From: Seerialmom
On Aug 19, 5:03 pm, Ablang <ron...@gmail.com> wrote:
> < Can you think of any not on this list? >
>
> Top 10 money drains
>
> It's easy to fritter away money on daily expenses. If you fall into
> these money traps, learn to avoid them and pocket the savings. Use
> Bankrate's Simple savings calculator to see how quickly your money
> piles up with interest.
> 10 money drains
> 1. Coffee 6. Car washes
> 2. Cigarettes 7. Weekday lunches out
> 3. Alcohol 8. Vending machines snacks
> 4. Bottled water 9. Interest charges on credit cards
> 5. Manicures 10. Unused memberships
>
Out of that 10 I'm only guilty of the lunch thing but never even close
to the $9 mentioned. More like $4.50-5.50? So...why aren't I a
millionaire yet?
PS..I find it humorous that things like "full retail price" for
clothing and movie tickets wasn't listed.
== 2 of 7 ==
Date: Wed, Aug 22 2007 10:34 am
From: George Grapman
Zarnold Edward Quigley wrote:
> Ablang <ron916@gmail.com> wrote:
>> < Can you think of any not on this list? >
>
> The nudie bar.
For travel:
Unless is is being paid for by a company I prefer second tier hotels
or,sometime if it is for a single night, Motel 6.
Likewise, unless the company is paying I put up with some discomfort,
fly coach, get there the same times as business class and spend the
savings on good restaurants and entertainment.
== 3 of 7 ==
Date: Wed, Aug 22 2007 10:39 am
From: George Grapman
Your home phone. So many people just sign up with the dominant local
phone carrier and make no effort to sign up for any calling plans and
they make the same company their default long distance company.
Also,people who make few or no long distance calls are often unaware
that they do not have to have a long distance carrier.
== 4 of 7 ==
Date: Wed, Aug 22 2007 11:50 am
From: throwitout
On Aug 19, 9:03 pm, Ablang <ron...@gmail.com> wrote:
> < Can you think of any not on this list? >
>
> Top 10 money drains
>
> It's easy to fritter away money on daily expenses. If you fall into
> these money traps, learn to avoid them and pocket the savings. Use
> Bankrate's Simple savings calculator to see how quickly your money
> piles up with interest.
> 10 money drains
> 1. Coffee 6. Car washes
> 2. Cigarettes 7. Weekday lunches out
> 3. Alcohol 8. Vending machines snacks
> 4. Bottled water 9. Interest charges on credit cards
> 5. Manicures 10. Unused memberships
>
> 1. Coffee -- According to the National Coffee Association, the average
> price for brewed coffee is $1.38. There are roughly 260 weekdays per
> year, so buying one coffee every weekday morning costs almost $360 per
> year.
I'm amazed at how many people line up at the coffee shop drive-thrus
in the morning. It really is incredibly easy to use a coffee maker,
they even have timer ones that will have the coffee ready when you get
out of bed. And you can get muffins at home a lot cheaper than the
coffee shop. Plus lining up is a real time waster.
> 2. Cigarettes -- The Campaign for Tobacco Free Kids reports that the
> average price for a pack of cigarettes in the United States is $4.54.
> Pack-a-day smokers fork out $1,660 a year. Weekend smoker? Buying a
> pack once a week adds up, too: $236.
I'm always amazed when ex-smokers figure out how much they save by not
smoking. Let alone other costs of illness and dieing.
> 3. Alcohol -- Drink prices vary based on the location. But assuming an
> average of $5 per beer including tip, buying two beers per day adds up
> to $3,650 per year. Figure twice that for two mixed drinks a day at
> the local bar. That's not chump change.
Do people actually go to the bar EVERY DAY for two drinks? Or would it
make sense to think that it might be more likely they have beer or two
at home every day, and maybe a couple a week at a bar. And what type
of mixed drinks are these?
> 4. Bottled water from convenience stores -- A 20-ounce bottle of
> Aquafina bottled water costs about $1. One bottle of water per day
> costs $365 per year. It costs the environment plenty, too.
>
> 5. Manicures -- The Day Spa Magazine Price Survey of 2004 found that
> the average cost of a manicure is $20.53. A weekly manicure sets you
> back about $1,068 per year.
Do people actually care this much about their nails?
> 6. Car washes -- The average cost for a basic auto detailing package
> is $58, according to Costhelper.com. The tab for getting your car
> detailed every two months: $348 per year.
Do people actually get their car detailed every two months? And spend
that much? I might vacuum, clean the inside of the windows, wipe down
the dash and clear out the car 4 times a year tops. And probably a
similar number of car washes, either at home or one of the $3 self
serve places. I can only see spending $58 on detailing if you want the
car really clean for a sale or something.
> 7. Weekday lunches out -- $9 will generally cover a decent lunch most
> work days. If you buy rather than pack a lunch five days a week for
> one year, you shell out about $2,350 a year.
Do people spend $9 every day? You can usually get lunch for $5. And
the math doesn't add up, 9x52x5= $2340. I guess the worker doesn't
take vacation so he can pay for those lunches. And there still is a
cost to making a bagged lunch. Probably a couple bucks, but still.
>
> 8. Vending machines snacks -- The average vending machine snack costs
> $1. Buy a pack of cookies every afternoon at work and pay $260 per
> year.
If you never have vacation or holidays apparently.
> 9. Interest charges on credit card bills -- According to a survey
> released at the end of May 2007, the median amount of credit card debt
> carried by Americans is $6,600. Rate tables on Bankrate.com indicate
> that fixed interest rates on a standard card average 13.44 percent.
> Making the minimum payment each month, it will take 250 months (almost
> 21 years) to pay off the debt and cost $4,868 in interest. Ouch!
Assuming people aren't going to add more debt, which chances are they
will. They will probably keep floating around that $6600 figure. Too
bad they didn't give an annual figure like everything else.
> 10. Unused memberships -- Costhelper.com reports that the monthly
> service fee at gyms averages between $35 and $40. At $40 per month, an
> unused gym membership runs $480 per year.
But those people help subsidize the memberships for people that go,
and allow the gym to offer better facilities for less.
== 5 of 7 ==
Date: Wed, Aug 22 2007 12:06 pm
From: jdoe
On Wed, 22 Aug 2007 11:50:37 -0700, throwitout
<throwitout@dodgeit.com> wrote:
>> 1. Coffee -- According to the National Coffee Association, the average
>> price for brewed coffee is $1.38. There are roughly 260 weekdays per
>> year, so buying one coffee every weekday morning costs almost $360 per
>> year.
>
>I'm amazed at how many people line up at the coffee shop drive-thrus
>in the morning. It really is incredibly easy to use a coffee maker,
>they even have timer ones that will have the coffee ready when you get
>out of bed. And you can get muffins at home a lot cheaper than the
>coffee shop. Plus lining up is a real time waster.
maybe it's not hard for you but for many people it is hard to make a
decent cup of coffee.
>
>> 3. Alcohol -- Drink prices vary based on the location. But assuming an
>> average of $5 per beer including tip, buying two beers per day adds up
>> to $3,650 per year. Figure twice that for two mixed drinks a day at
>> the local bar. That's not chump change.
>
>Do people actually go to the bar EVERY DAY for two drinks? Or would it
>make sense to think that it might be more likely they have beer or two
>at home every day, and maybe a couple a week at a bar. And what type
>of mixed drinks are these?
maybe you're not the social type but a big part of going out for a
drink or 2 is social, a bar is a place to relax and talk to people,
something most people don't do once they get home
>
>> 4. Bottled water from convenience stores -- A 20-ounce bottle of
>> Aquafina bottled water costs about $1. One bottle of water per day
>> costs $365 per year. It costs the environment plenty, too.
when you're out and thirsty, a bottle of water can hit the spot, not
all of us pack a cooler of water when leaving home
>
>Do people actually care this much about their nails?
yes, just like they care about wearing clean clothes, washing their
body and hair, and keeping their breath fresh
>
>> 6. Car washes -- The average cost for a basic auto detailing package
>> is $58, according to Costhelper.com. The tab for getting your car
>> detailed every two months: $348 per year.
>
>Do people actually get their car detailed every two months? And spend
>that much? I might vacuum, clean the inside of the windows, wipe down
>the dash and clear out the car 4 times a year tops. And probably a
>similar number of car washes, either at home or one of the $3 self
>serve places. I can only see spending $58 on detailing if you want the
>car really clean for a sale or something.
I guess you rarely have guests ride along with you, like keeping your
body clean a car is an extension of yourself, a dirty car points to a
dirty, disorganized person. $58 is extremely low, I usually have my
car detailed around once a year, it cuts down of the growth in the
rear seats from the kids crumbs.
>
>Do people spend $9 every day? You can usually get lunch for $5. And
>the math doesn't add up, 9x52x5= $2340. I guess the worker doesn't
>take vacation so he can pay for those lunches. And there still is a
>cost to making a bagged lunch. Probably a couple bucks, but still.
It all depends on what you want to eat and like going to bars after
work, lunch time can be social, everyone doesn't go to mickey d's
everyday. you could always brown bag it and save even more, but you'll
be passing on the aforementioned social opportunities
>
__________________________________________
Never argue with an idiot.
They'll drag you down to their level and beat you with experience.
== 6 of 7 ==
Date: Wed, Aug 22 2007 2:10 pm
From: throwitout
On Aug 22, 4:06 pm, jdoe <j...@aol.com> wrote:
> maybe it's not hard for you but for many people it is hard to make a
> decent cup of coffee.
We're not talking about fancy gourmet coffee shops, they are lining up
at Tim Horten's. You can easily make coffee that is just as good with
a drip coffee maker. And those things are idiot proof.
> >Do people actually go to the bar EVERY DAY for two drinks? Or would it
> >make sense to think that it might be more likely they have beer or two
> >at home every day, and maybe a couple a week at a bar. And what type
> >of mixed drinks are these?
>
> maybe you're not the social type but a big part of going out for a
> drink or 2 is social, a bar is a place to relax and talk to people,
> something most people don't do once they get home
But every day? I don't need to socialize 24x7. Besides there's nothing
wrong with inviting people over to your house, or going over to their
house to socialize. In fact I usually prefer that to going out because
things can be far more laid back. And in those cases you can buy store
bought beer, which although it can still be pricey, isn't near as bad.
> when you're out and thirsty, a bottle of water can hit the spot, not
> all of us pack a cooler of water when leaving home
Yeah that's fine if you're caught out thirsty somewhere, but doing it
EVERY DAY? I carry a bottle around that I fill up with tap water, so I
rarely have to buy bottled water.
> >Do people actually care this much about their nails?
>
> yes, just like they care about wearing clean clothes, washing their
> body and hair, and keeping their breath fresh
One can still keep their nails trimmed and clean without spending that
dough on manicure.
> I guess you rarely have guests ride along with you, like keeping your
> body clean a car is an extension of yourself, a dirty car points to a
> dirty, disorganized person.
I have guests ride with me, but I don't keep the car a mess. For
example I don't eat food in my car. I clean my car when it needs to be
cleaned, which really isn't that often. And a simple vacuum and wipe
down of the dash / windows gets 99% of the dirt and grime. So there
might be a little dirt in the corner and I don't shine up my dash.
Whoopdi do. If one practically lived in their car, had to drive
clients around, or lets their kids make a mess of their car, I would
see the need for more frequent cleanings, but to pay $58 bucks? Ouch.
Not that hard to use a vacuum and some clothes to clean the worst of
it, and maybe occasionally pay for a really thorough detailing.
> $58 is extremely low, I usually have my
> car detailed around once a year, it cuts down of the growth in the
> rear seats from the kids crumbs.
Learn to use a vacuum, or don't let your kids eat in the car.
> It all depends on what you want to eat and like going to bars after
> work, lunch time can be social, everyone doesn't go to mickey d's
> everyday. you could always brown bag it and save even more, but you'll
> be passing on the aforementioned social opportunities
But going EVERY DAY? Where I've worked we got in the habit of eating
our bagged lunches as a group, so we still had the social opportunity,
then ate out once a week. Besides, your co-workers might not
necessarily be your only social circle and you can socialize with your
friends outside of work in evenings or on weekends.
== 7 of 7 ==
Date: Wed, Aug 22 2007 2:30 pm
From: New Leaf
On Aug 19, 7:58 pm, Gordon <go...@alltomyself.com> wrote:
> Ablang <ron...@gmail.com> wrote innews:1187568232.963854.244670@z24g2000prh.googlegroups.com:
>
> > < Can you think of any not on this list? >
>
> > Top 10 money drains
>
> > It's easy to fritter away money on daily expenses. If you fall into
> > these money traps, learn to avoid them and pocket the savings. Use
> > Bankrate's Simple savings calculator to see how quickly your money
> > piles up with interest.
> > 10 money drains
> > 1. Coffee 6. Car washes
> > 2. Cigarettes 7. Weekday lunches out
> > 3. Alcohol 8. Vending machines snacks
> > 4. Bottled water 9. Interest charges on credit cards
> > 5. Manicures 10. Unused memberships
>
> Premium gas.
> Cable TV
> Too big of a cell phone plan(IE: lots more minutes than you use).
> Intrest on car payments.
> Boxed dinners (Hamburger helper)
> Cable ISP
Also, too small of a cell phone plan. You go over and the price per
minute quadruples.
I think the absolute biggest money waster among the 18-25 group is
taking out too little money at a time from ATMs with charges. When OS
went to university DH had to show him that if he went to a non-bank
ATM, he was paying $3 to withdraw $20. From time to time I watch shows
such as "Maxed Out" and "Til Debt Do Us Part" and people seem
oblivious to how much these charges add up to.
Viv
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== 1 of 1 ==
Date: Wed, Aug 22 2007 10:37 am
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==============================================================================
TOPIC: Please look at this ...
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/6fb25f2ba73b9eb4?hl=en
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== 1 of 1 ==
Date: Wed, Aug 22 2007 11:20 am
From: "schmidt.bauberatung@googlemail.com"
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TOPIC: Saving money
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/399cca4bf854a020?hl=en
==============================================================================
== 1 of 1 ==
Date: Wed, Aug 22 2007 11:27 am
From: kngavl@hotmail.com
On Aug 22, 10:57 am, val189 <gwehr...@bellsouth.net> wrote:
> On Aug 22, 8:35 am, clams casino <PeterGrif...@drunkin-clam.com>
> wrote:
>
> These downloads can steal login and password information, install
> unwanted bookmarks and toolbars, and even damage operating systems."
>
> thanks for the reminder.......
I'm sorry mates my bad. I was installing a php file so that I could
use Digitalpoints Co-op Advertising network. It screwed up and I just
realized it was making people download some stuff. It's corrected now.
I have no idea why it did that, but I removed all the files and fixed
the problem.
Again sorry.
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TOPIC: Be frugal and have fun
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/6ffaf4869f2f9496?hl=en
==============================================================================
== 1 of 1 ==
Date: Wed, Aug 22 2007 11:45 am
From: OhLindsey@gmail.com
It's so easy to try to save money by staying at home, not eating, not
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ways to have fun: http://roommates.ihomeconnect.com/cope-with-living-alone.asp
==============================================================================
TOPIC: OT Looking For A New Job
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/12de660682716035?hl=en
==============================================================================
== 1 of 10 ==
Date: Wed, Aug 22 2007 1:34 pm
From: Millhaven
I want a job where I can listen to music while working. Any ideas?
== 2 of 10 ==
Date: Wed, Aug 22 2007 1:50 pm
From: clams casino
Millhaven wrote:
>I want a job where I can listen to music while working. Any ideas?
>
>
>
Elevator operator.
== 3 of 10 ==
Date: Wed, Aug 22 2007 1:54 pm
From: Ward Abbott
On Wed, 22 Aug 2007 16:50:20 -0400, clams casino
<PeterGriffin@drunkin-clam.com> wrote:
>Millhaven wrote:
>
>>I want a job where I can listen to music while working. Any ideas?
>Elevator operator.
I think that job was phased out around 1960. Your next bet would be
getting off your butt and become self employed.
== 4 of 10 ==
Date: Wed, Aug 22 2007 2:05 pm
From: hchickpea@hotmail.com
On Wed, 22 Aug 2007 16:54:24 -0400, Ward Abbott <presby@terian.com>
wrote:
>On Wed, 22 Aug 2007 16:50:20 -0400, clams casino
><PeterGriffin@drunkin-clam.com> wrote:
>
>>Millhaven wrote:
>>
>>>I want a job where I can listen to music while working. Any ideas?
>
>>Elevator operator.
>
>I think that job was phased out around 1960. Your next bet would be
>getting off your butt and become self employed.
He'd never be able to afford his own elevator.
== 5 of 10 ==
Date: Wed, Aug 22 2007 2:07 pm
From: George Grapman
Ward Abbott wrote:
> On Wed, 22 Aug 2007 16:50:20 -0400, clams casino
> <PeterGriffin@drunkin-clam.com> wrote:
>
>> Millhaven wrote:
>>
>>> I want a job where I can listen to music while working. Any ideas?
>
>> Elevator operator.
>
> I think that job was phased out around 1960. Your next bet would be
> getting off your butt and become self employed.
>
>
>
>
>
Or a job that allows you to work at home. 3/4 of my time is at my
home office where no one cares what I listen to or watch.
== 6 of 10 ==
Date: Wed, Aug 22 2007 2:09 pm
From: George Grapman
Millhaven wrote:
> I want a job where I can listen to music while working. Any ideas?
>
Drive a taxi.
Work in a music store.
== 7 of 10 ==
Date: Wed, Aug 22 2007 2:19 pm
From: Wooly
Millhaven wrote:
> I want a job where I can listen to music while working. Any ideas?
>
Floor maintenance technician. Might be too complicated though: all
those different buffer pads and color-coded spray bottles sure look like
they'd be confusing for you!
== 8 of 10 ==
Date: Wed, Aug 22 2007 2:26 pm
From: New Leaf
On Aug 22, 2:19 pm, Wooly <nobody@nunya> wrote:
> Millhaven wrote:
> > I want a job where I can listen to music while working. Any ideas?
>
> Floor maintenance technician. Might be too complicated though: all
> those different buffer pads and color-coded spray bottles sure look like
> they'd be confusing for you!
OTOH, the fumes could substitute for other mind-altering substances
and save him a lot of money.
Viv
== 9 of 10 ==
Date: Wed, Aug 22 2007 2:27 pm
From: clams casino
hchickpea@hotmail.com wrote:
>On Wed, 22 Aug 2007 16:54:24 -0400, Ward Abbott <presby@terian.com>
>wrote:
>
>
>
>>On Wed, 22 Aug 2007 16:50:20 -0400, clams casino
>><PeterGriffin@drunkin-clam.com> wrote:
>>
>>
>>
>>>Millhaven wrote:
>>>
>>>
>>>
>>>>I want a job where I can listen to music while working. Any ideas?
>>>>
>>>>
>>>Elevator operator.
>>>
>>>
>>I think that job was phased out around 1960. Your next bet would be
>>getting off your butt and become self employed.
>>
>>
>
>He'd never be able to afford his own elevator.
>
>
The advantage of owning one's own elevator is that he can control the
music selection.
Otherwise, he may have to adapt to 8 hrs / day of Kenny G.
== 10 of 10 ==
Date: Wed, Aug 22 2007 3:23 pm
From: Dennis
On Wed, 22 Aug 2007 13:34:26 -0700, Millhaven
<millhaven@intergate.com> wrote:
>I want a job where I can listen to music while working. Any ideas?
Pole dancer ?
Dennis (evil)
--
"There is a fine line between participation and mockery" - Wally
==============================================================================
TOPIC: saving money by..... Running Air Conditioning with windows open at
night
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/25cf69951aae955f?hl=en
==============================================================================
== 1 of 2 ==
Date: Wed, Aug 22 2007 1:45 pm
From: invalid@notreal.none (Beachcomber)
>Of coarse the best way is having a "total house fan". If I had that,
>then I can shut off my A/C at 8pm and just run that.
>
A medium-power fan mounted in an open window can simulate a 'total
house fan', especially if you open up just a few other windows on
ground level and your fan is in an upstairs room somewhere.
Think of your house as a built up resevoir of heat during the day.
You've got to get that heat out, when it is cooler outside. Getting
the hot air out is easy. If you have large amounts of thermal mass
like concrete, brick or stone, it's going to take a lot longer for the
air to feel cooler.
The cheapest way is to move it out is with a fan.
Moving it with an air conditioner might possibly be faster, but then
you have the added expense of a compressor running, in addition to a
fan/blower. The added expenses? More electricity, more complexity,
more wear and tear on you A/C system.
Beachcomber
== 2 of 2 ==
Date: Wed, Aug 22 2007 1:55 pm
From: Ward Abbott
On Wed, 22 Aug 2007 17:12:17 -0000, usa123abc@gmail.com wrote:
>SMART!
Didya have to requote all that drivel just to add one word?
==============================================================================
TOPIC: interesting uses for pringle boxes
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/d2b794039461cfb1?hl=en
==============================================================================
== 1 of 1 ==
Date: Wed, Aug 22 2007 1:57 pm
From: Ward Abbott
On Wed, 22 Aug 2007 15:41:06 -0000, "diane_athurday@hotmail.co.uk"
<diane_athurday@hotmail.co.uk> wrote:
> All suggestions
>welcome - I hate throwing things away!
Cucumber cozy?
I don't like sausage casings...but damn, I don't consider that
something that needs to be recycled.
==============================================================================
TOPIC: Simpler solar attics
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/cfecec12fcff406b?hl=en
==============================================================================
== 1 of 1 ==
Date: Wed, Aug 22 2007 3:09 pm
From: "HeyBub"
nicksanspam@ece.villanova.edu wrote:
>
> They are letting me out on 9/22/2007 to lecture again at
> the Pennsylvania Renewable Energy Festival :-)
>
> http://www.paenergyfest.com
>
I applied to give a seminar entitled: "Whale Oil - The Renewable Resource"
and the nay-sayers at the festival turned me down.
They do have a lecture on the Wind Depletion Allowance so tree-huggers can
save on their taxes.
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