Author Topic: What small things did you do TODAY to save money?  (Read 3498377 times)

eliza

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Re: What small things did you do TODAY to save money?
« Reply #5550 on: January 27, 2016, 08:53:55 PM »
Weekend round-up:

-Got my eyes checked for the first time in about 4 years and between benefits and money set aside in HSA, I didn't pay a thing, but got new glasses and new Rx sunglasses. Less than $5 left in FSA so that's the max I'll lose if I don't use it (can only go on eye or dental since I also have an HSA).

-Didn't drive anywhere Sunday - stayed in and made a large batch of sour cream enchiladas that were dinner, and also lunch for the rest of the week.
-repaired DD's skirt (sewed)

-got pulled over by military police but avoided a citation (I swear I stopped at that four-way) and he also pointed out that my out-of-state registration expired several months ago (holy shit!). He didn't call the county police (thank you, thank you, thank you) but warned me to get it taken care of right away. (Sir, yes sir!) So he saved me an expensive ticket there. Will have to pay for new plates and registration this week, but it could have been WAY WORSE.

Wooh!  You are blowing my mind here.  I thought you could have an FSA or an HSA, but not both.  Is there a way to get both?  I have an HDHP and HSA, but will need some expensive dental work in the next few years.

PMG

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Re: What small things did you do TODAY to save money?
« Reply #5551 on: January 27, 2016, 09:29:57 PM »
Pity party time.

MWF are crazy intense and I don't have time to eat enough. Today packed extra and spread it out thru the afternoon. Even had a cup of tea at 4. But by the time I got home at 5:30 I was done.  Couldn't put words into sentences!  I used to work 14hr physically intense days. Now I can make it through 9 hours of class and meetings? I suppose back in those 14 hr days I had a kitchen prepping 3 solid meals.  Tonight I skipped a networking event I'd been looking forward to and sat on my couch and and watched cat videos.

And when I complained to my brother he mentioned he likes KIND bars.  So I looked up a copycat recipe and made something similar.  I'll pack a couple Friday along with lunch. Definitely better brain food than the walnut pear bread I had today.

On the bright side. I've been soda free almost 5 weeks. (That drop in caffeine and sugar can't still be affecting me can it?)

Lots of whining. The money saving is in planning ahead and finding better things to eat to help remedy this exhaustion and avoiding on campus purchases.

Dollar Slice

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Re: What small things did you do TODAY to save money?
« Reply #5552 on: January 27, 2016, 09:56:11 PM »
And when I complained to my brother he mentioned he likes KIND bars.  So I looked up a copycat recipe and made something similar. 

I'd love to get a copy of any recipes that turned out well :-)  My mom really likes those. I saw some at the store the other day, on sale, and I thought it was a really good price until I realized it was the price PER BAR and not PER BOX. Ouch.

Urchina

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Re: What small things did you do TODAY to save money?
« Reply #5553 on: January 27, 2016, 10:03:12 PM »
No spend day today -- whew. I think I'm going to designate certain days of the week as "shopping days" and keep my non-emergency expenditures to those days only. Does anyone else do this? How does it go?

I've been working on eating what we have during this winter -- need to eat down the freezer and pantry to get ready for summer produce. This means getting a little creative, but it's working fine so far.


Bracken_Joy

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Re: What small things did you do TODAY to save money?
« Reply #5554 on: January 28, 2016, 06:44:34 AM »
Noticed my gas reimbursement didn't get included on my last paycheck, so I followed up with the office. $75 there.

A pair of dress socks that were too tight/small for DH work well as compression socks for me. Actually have more compression than one of my real pairs of compression socks. At least $10 saved there, since I was about to go and buy more.

DH and I did our monthly splurge Tuesday: took our dog to get a nail trim, and while waiting, went to our favorite place. Instead of getting 2 lunches and 2 drinks the way we used to, we each got a drip coffee ($1.75 per, with free refills) then split one drink. A good way to pass a couple hours and still feel like an indulgence.

Mermaid3011

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Re: What small things did you do TODAY to save money?
« Reply #5555 on: January 28, 2016, 06:53:30 AM »
I started logging my eating into MyFitnessPal.

If I actually limit myself to that number of calories, it will be a double frugal win--I'll spend less money on food I shouldn't be eating AND I won't have to buy new pants!

That's an awesome idea and I think I'll join you with that!! Have to also dig out my fitbit again and start counting steps!

Mermaid3011

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Re: What small things did you do TODAY to save money?
« Reply #5556 on: January 28, 2016, 06:55:07 AM »
Day 2 in a row of no spending.

NO starbucks
NO bagel
NO takeout for lunch (brought my own)
NO afternoon coffee

And also: moved some cash around to reduce interest on my debts that are being paid off. Strategy adjusted which is saving me a few month of interest and I should be debt free in exactly 1 year. Woot woot!

Great job!  Eliminating those "little" things makes a huge difference over time :)

Mine for today:
*  homemade lunch (and dinner) brought with me for the day
*  free work coffee
*  no extra driving
*  found a penny on the floor
*  I need two money orders - found a store nearby that sells them for 79 cents (rather than 99 cents at the post office)

HIGH FIVE!!!
My colleagues don't get it... they still walk down to Starbucks even though our floor has free coffee. But hey... once I buy some Starbucks Stock I'll be encouraging them!

Mermaid3011

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Re: What small things did you do TODAY to save money?
« Reply #5557 on: January 28, 2016, 06:57:10 AM »
Another NO SPEND Day for me. :)

Breakfast was ricepudding with frozen strawberries, lunch will be basmati rice with chili con carne, snacks are brought from home too and coffee at work is free. Yay!

Going for a no spend week (apart from spending 12 bucks at the Money Mustache Meeting last Tuesday).
Breakfast, Lunch, Snacks are packed and same is already in the office fridge for Friday. Lookin' good!!

HairyUpperLip

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Re: What small things did you do TODAY to save money?
« Reply #5558 on: January 28, 2016, 07:14:34 AM »
Resisted the urge to hang out at a coffee shop while waiting for my school tour to start this morning -- sat in the car and browsed the forum on my phone instead.

Just throwing in some two cents -

Next time, if you feel like going in to sit/relax, just do it and order a cup of water or whatever. I love getting "Trenta" cups of water from Starbucks. Price is $Free.99 of course.

LorettaLynn

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Re: What small things did you do TODAY to save money?
« Reply #5559 on: January 28, 2016, 07:26:19 AM »
I finished signing up for Paribus.  I shop a lot on Amazon and it should be beneficial.  Here is my link if anyone's interested:  https://paribus.co/i/4BTLwb

I procured some insulated curtains to go over my drafty-ass windows.  Here's hoping they work. 

Mermaid3011

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Re: What small things did you do TODAY to save money?
« Reply #5560 on: January 28, 2016, 07:28:30 AM »
Resisted the urge to hang out at a coffee shop while waiting for my school tour to start this morning -- sat in the car and browsed the forum on my phone instead.

Just throwing in some two cents -

Next time, if you feel like going in to sit/relax, just do it and order a cup of water or whatever. I love getting "Trenta" cups of water from Starbucks. Price is $Free.99 of course.

Yup!!
And if you don't feel like water and are willing to spend a tiny bit: Go with the smallest drip coffee or tea. If you stay at the store and pay with your Starbucks Card you get free refills. Much cheaper than buying the larger cup!

Jakejake

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Re: What small things did you do TODAY to save money?
« Reply #5561 on: January 28, 2016, 07:53:17 AM »
I used to work 14hr physically intense days. Now I can make it through 9 hours of class and meetings?
Meetings kill me. A 1 hour meeting leaves me way more drained than a 3 hour bike ride!

This is over the last couple weeks, but we are clumsily removing legacy old people bills from our life. We got our phone set up on the ooma and once our phone number ports over we are cancelling that bill. We got all the bits and pieces to rewire my kitchen tv off the internet (lame to have one, I know, but it keeps me company when I'm doing dishes), and we are about to cut cable. Then we have a promotional offer to get just internet at $25/mo through wide open west for a year, it's a huge drop from internet + cable + landline. I still need to double check whether we're better off dropping the internet also though, and just running our cell phone as a hotspot and streaming tv / surfing the web on our laptops that way.

Also - getting quotes this week to lower home and auto insurance.

And I've successfully retrained myself to go back to making bread in the bread maker instead of buying the markdown loaf at a dollar a week. I have a bunch of canned unground whole wheat from a y2k survivalist who gave it away on craigslist (!), so the bread is basically free if I make it myself. And with the craigslist vitamix I got, grinding the flour takes 2 minutes.
« Last Edit: January 28, 2016, 08:16:53 AM by Jakejake »

lpb0306

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Re: What small things did you do TODAY to save money?
« Reply #5562 on: January 28, 2016, 09:55:19 AM »
My husband and I walked the two train stops (15 mins) instead of taking BART ($2.25 per person, so $4.50). Sharing lunch instead of buying two plates.

marcela

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Re: What small things did you do TODAY to save money?
« Reply #5563 on: January 28, 2016, 10:02:04 AM »
Today I said no to a group of coworkers who invited me to go out for lunch. Instead I'm eating my homemade lunch of brazilian chicken pie that I made last night with the remains of Sunday's roast chicken. I decreased the amount of filling and froze 1/3. Will use in future meals over rice.

I also looked up the book I need for my class this semester. I already had to pay $80 for a course pack of the required articles, but requested interlibrary loans for 2 of the other books and put a reminder in my calendar to sign up for a kindle unlimited free trial when time comes to read a 3rd book available free on that service.
If  I don't get the interlibrary loans it looks like I'll be out around $50-$60...at least tuition is covered by my employer.

OmahaSteph

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Re: What small things did you do TODAY to save money?
« Reply #5564 on: January 28, 2016, 10:15:47 AM »
Weekend round-up:

-Got my eyes checked for the first time in about 4 years and between benefits and money set aside in HSA, I didn't pay a thing, but got new glasses and new Rx sunglasses. Less than $5 left in FSA so that's the max I'll lose if I don't use it (can only go on eye or dental since I also have an HSA).

-Didn't drive anywhere Sunday - stayed in and made a large batch of sour cream enchiladas that were dinner, and also lunch for the rest of the week.
-repaired DD's skirt (sewed)

-got pulled over by military police but avoided a citation (I swear I stopped at that four-way) and he also pointed out that my out-of-state registration expired several months ago (holy shit!). He didn't call the county police (thank you, thank you, thank you) but warned me to get it taken care of right away. (Sir, yes sir!) So he saved me an expensive ticket there. Will have to pay for new plates and registration this week, but it could have been WAY WORSE.

Wooh!  You are blowing my mind here.  I thought you could have an FSA or an HSA, but not both.  Is there a way to get both?  I have an HDHP and HSA, but will need some expensive dental work in the next few years.

YES. You can have both, HOWEVER, if you do have both, you can only use the FSA for vision and dental expenses. Because my basic dental is covered by my dental insurance, I only set aside enough in the FSA for glasses. If you knew you needed major dental work, you could get a quote and then set that aside in an FSA. Just be sure to use it all. :)

lunahsol

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Re: What small things did you do TODAY to save money?
« Reply #5565 on: January 28, 2016, 10:49:47 AM »
Taxes done and plan in place for where the refund will go (various savings/investment goals).
Free gym tonight.
Red lentil curry in the fridge for lunch. (Made in 15 minutes this morning in the Instant Pot - ha ha! #secretweapon)

JLee

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Re: What small things did you do TODAY to save money?
« Reply #5566 on: January 28, 2016, 01:01:48 PM »
I scored free lunch again today. That's probably the last time for a while, though - time to start packing them again.

Kwill

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Re: What small things did you do TODAY to save money?
« Reply #5567 on: January 29, 2016, 05:33:29 AM »
I took a reusable bag when I went to buy groceries, which I think saved me 5p. Whatever a "p" is. I just moved to the UK yesterday. Buying groceries today will save on the tourist food prices, though I am giving myself permission to eat out more than I usually would, at least for a week or so.

Friar

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Re: What small things did you do TODAY to save money?
« Reply #5568 on: January 29, 2016, 06:39:31 AM »
I took a reusable bag when I went to buy groceries, which I think saved me 5p. Whatever a "p" is. I just moved to the UK yesterday. Buying groceries today will save on the tourist food prices, though I am giving myself permission to eat out more than I usually would, at least for a week or so.

"p" stands for "pence" - the correct equivalent of a cent in the UK.

Mermaid3011

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Re: What small things did you do TODAY to save money?
« Reply #5569 on: January 29, 2016, 10:46:48 AM »
A colleague from another office/town was visiting. Instead of meeting her at the cafeteria we had free coffee on our floor and sat in a collaboration area with comfy chairs - just as nice, quiet and private and didn't spend a cent!

also again: brought breakfast, lunch and snacks, didn't buy Starbucks. Happy!

Kitsune

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Re: What small things did you do TODAY to save money?
« Reply #5570 on: January 29, 2016, 05:49:40 PM »
I made an open-face egg sandwich for lunch (homemade bread, fried egg, leftover tomato, on-sale avocado slices, home-grown sprouts). YUM.

And then for dinner I made pizza. Total cost to feed 3 people: about 5$. It tasted amazing.

Cooking: the hobby that keeps giving.

11ducks

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Re: What small things did you do TODAY to save money?
« Reply #5571 on: January 29, 2016, 09:52:49 PM »
I needed a nice outfit for my mothers upcoming wedding - I am playing music in it so I need to look presentable (more than my usual hobo-chic), and I didn't have a nice non-work dress, so I bit the bullet and went to buy one. Found a beautiful, flattering dress at the second-hand store for $20, which I can wear again for my sisters winter wedding in October (will add a wrap, different jewellery and hairstyle to change it up). I dug around and found the pair of heels I bought for $3 last year (they were on mega clearance, are beige and relatively comfortable, so I knew I'd need them sometime!). Also pulled out a necklace/earring combo I was given more than 10 years ago - it was pretty tarnished and hadn't been worn for ages. I googled and found a home method for cleaning silver jewellery (heating salt and aluminium) which worked wonderfully, leaving the jewellery clean and new-looking. The whole outfit looks lovely, perfect for a formal occasion, and only cost $20!

Also, i really wanted a coke zero at work (they are sold in the fridge in my staffroom), but resisted and drank my water instead. $1 win!


C. K.

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Re: What small things did you do TODAY to save money?
« Reply #5572 on: January 29, 2016, 10:23:35 PM »
1. Today I saved on future therapy bills by FORGIVING MYSELF for eating at a restaurant for two days in a row.

2.Winter Storm Jonas saved me money on a short trip to Broadway. SHOWS WERE CANCELLED that weekend.

3.I rewarded myself by DOING A JIG when I met some savings goals this week. I did this in lieu of buying something as a reward.

4. My Amazon Prime membership gives me the chance to listen to HAMILTON:A MUSICAL at no extra cost. The impulse to buy the cast album is quelled for now.

5. Today, I placed an indefinite moratorium on reading posts in a Broadway Facebook group. You really feel the need to go to these shows, pay tons of money for impromptu purchases of cast albums, tickets, lodging, etc., because everyone in the group is either excited about the show or working as a cast member. I still really want to go and they have put the fire under me, but I will think through everything first.
« Last Edit: January 29, 2016, 10:31:51 PM by C. K. »

halseyskates33

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Re: What small things did you do TODAY to save money?
« Reply #5573 on: January 30, 2016, 11:12:14 AM »
Shopped at Aldi total $26.50 for a weeks worth of food. Free book from my manager. Also used coupons to get 2 free bags of chips and 2 boxes of Celestial Seasonings tea for $1.25 each.

Treated myself to a Redbox movie with my leftover grocery money for the month

marcela

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Re: What small things did you do TODAY to save money?
« Reply #5574 on: January 31, 2016, 04:45:33 PM »
Did not order when my husband decided to eat lunch at the food court while we waited for a hair cut. Snacking on his fries filled me up. Visited the library to pick up books instead of purchasing and dinner is being made at home with pantry ingredients.

Bracken_Joy

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Re: What small things did you do TODAY to save money?
« Reply #5575 on: January 31, 2016, 05:10:30 PM »
Did not buy coffee even though I was right next door to a starbucks, and there was no line, and it smelled sooooo good.

Got new scrubs and compression socks today. Did it in 2 transactions: 1st using the 20% off one-item coupon I had, and a gift card (from christmas) for the whole amount. Second with my 10% off lifetime loyalty card, with the remainder of the christmas giftcard, and a visa debit giftcard I won from a work drawing. Made a little bit of work for the poor cashier, but splitting it into 2 transactions let me get the 10% on the other 2 items, otherwise it wouldn't have stacked. Saved ~$5, and another ~$6 for going out and using the 20% off coupon that expires today.

Used the little bit of overage from the visa giftcard to buy 2 5lb weight plates for our home gym, so they only cost $2 out of pocket.

Kitsune

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Re: What small things did you do TODAY to save money?
« Reply #5576 on: January 31, 2016, 05:55:24 PM »
Went through our pantry and cleaned everything and made sure that everything was in airtight containers so that the f-ing moths that got into the arborio rice don't get into anything else.

Heated the house with wood off our land, instead of paying for electric heat. Spent the baby's nap time sitting in front of the stove reading a library book, so, double-whammy on the effectiveness of the wood stove!

Asked the library to acquire 3 Ebooks so I can read them; the first two are now available and in my account.

Spruit

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Re: What small things did you do TODAY to save money?
« Reply #5577 on: February 01, 2016, 05:10:02 AM »
Turned a couple of battered pumpkins into soup for a week's worth of lunches. I have declared February no-bread-for-lunch month.
Turned some mini soda bottles I collected while walking the dog into mini cloches for the garden.
Biking to work even though wind is howling at 6 BFT, pushing my comfort zone a little.

esq

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Re: What small things did you do TODAY to save money?
« Reply #5578 on: February 01, 2016, 11:30:37 AM »
I used to work 14hr physically intense days. Now I can make it through 9 hours of class and meetings?
Meetings kill me. A 1 hour meeting leaves me way more drained than a 3 hour bike ride!

This is over the last couple weeks, but we are clumsily removing legacy old people bills from our life. We got our phone set up on the ooma and once our phone number ports over we are cancelling that bill. We got all the bits and pieces to rewire my kitchen tv off the internet (lame to have one, I know, but it keeps me company when I'm doing dishes), and we are about to cut cable. Then we have a promotional offer to get just internet at $25/mo through wide open west for a year, it's a huge drop from internet + cable + landline. I still need to double check whether we're better off dropping the internet also though, and just running our cell phone as a hotspot and streaming tv / surfing the web on our laptops that way.

Also - getting quotes this week to lower home and auto insurance.

And I've successfully retrained myself to go back to making bread in the bread maker instead of buying the markdown loaf at a dollar a week. I have a bunch of canned unground whole wheat from a y2k survivalist who gave it away on craigslist (!), so the bread is basically free if I make it myself. And with the craigslist vitamix I got, grinding the flour takes 2 minutes.

Glad I'm not the only one who does this.  My little lightweight HP Stream laptop, playing Netflix (we cut cable), keeps me company during many painful housekeeping/personal care chores, including cooking, vacuuming, and doing my own nails. 

OSUBearCub

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Re: What small things did you do TODAY to save money?
« Reply #5579 on: February 01, 2016, 11:47:31 AM »
Forgot to boil eggs and prep salad for work lunches yesterday.  Today, I grabbed a can of ready-to-eat soup (couponed for $1) and packed bread to toast at work.  It turned out to be a lovely lunch.

This will be put into heavy lunch-rotation! :-)

lemanfan

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Re: What small things did you do TODAY to save money?
« Reply #5580 on: February 01, 2016, 12:36:32 PM »
BND. :)

Dollar Slice

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Re: What small things did you do TODAY to save money?
« Reply #5581 on: February 01, 2016, 01:42:49 PM »
I'm trying to get started bringing lunch to work - finally have both a microwave and working fridge in the office for the first time in years! I didn't have the right size tupperware to bring food in, so it was difficult to do on a regular basis. But I just found some perfect lunch-sized containers on sale for about 85 cents each at Rite Aid, so I should be set!

Kitsune

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Re: What small things did you do TODAY to save money?
« Reply #5582 on: February 01, 2016, 06:13:01 PM »
I went back to YNAB after skipping a few months and realizing we were spending way more than we thought we were spending on some things. Sigh. It takes time to track money, but given how much we DONT save when we don't spend the time, it's time well-spent.

Urchina

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Re: What small things did you do TODAY to save money?
« Reply #5583 on: February 01, 2016, 11:33:52 PM »
I'm working on eliminating food waste at home, so that means keeping in mind what we've got in the fridge/freezer and eating it before it spoils. Today, this meant switching the menu plan around when I realized that we had hamburger buns that were going to go moldy soon; tonight was homemade Sloppy Joe night (buns dispatched); tomorrow will be Fattoush, to use up the leftover naan I made on Saturday.

Was rushed for time when I came home today between Job 1 and Job 2, but I went ahead and packed a lunch instead of grabbing something at the school cafeteria. It turns out my pre-class office hours were held outside on a sunny bench while my students and I ate lunch together -- worked great!

Organizing tomorrow's Book Swap at the kids' school -- kids bring in books they no longer read, and a couple of days later can pick up and take home an equal number of new-to-them books. It's relatively easy to organize, fun for the kids, and frugal for everyone. Triple win! This doesn't save me money, but I feel like when we organize events that tie into the sharing economy, we help the kids and our community develop patterns and systems of sharing and frugality that serve us all well.

Cookie78

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Re: What small things did you do TODAY to save money?
« Reply #5584 on: February 02, 2016, 08:58:40 AM »
Rental house had an electrical problem yesterday. I have no electrical experience, but at a cost of 2 hours and $15 for a multimeter I fixed the problem! No electrician required! :D

PMG

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Re: What small things did you do TODAY to save money?
« Reply #5585 on: February 02, 2016, 11:28:10 AM »
Got accepted in a summer study program in Europe! This will cost me, but because I got all my paperwork in early I got a small discount. I also did some legwork and essay writing and got a $1200 scholarship and am working on a few more.

Now I need to look into credit card airfare bonus points....

I renegotiated my participation in the family cell phone plan. Brother was splitting the bill evenly however several members upgrade regularly but two of us are contented with old phones and shouldn't be subsidizing their upgrades. All parties happy now.

Heat off the past several days during a warm spell.

Another week soda free!

Merrie

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Re: What small things did you do TODAY to save money?
« Reply #5586 on: February 02, 2016, 12:36:36 PM »
Weekend round-up:

-Got my eyes checked for the first time in about 4 years and between benefits and money set aside in HSA, I didn't pay a thing, but got new glasses and new Rx sunglasses. Less than $5 left in FSA so that's the max I'll lose if I don't use it (can only go on eye or dental since I also have an HSA).

-Didn't drive anywhere Sunday - stayed in and made a large batch of sour cream enchiladas that were dinner, and also lunch for the rest of the week.
-repaired DD's skirt (sewed)

-got pulled over by military police but avoided a citation (I swear I stopped at that four-way) and he also pointed out that my out-of-state registration expired several months ago (holy shit!). He didn't call the county police (thank you, thank you, thank you) but warned me to get it taken care of right away. (Sir, yes sir!) So he saved me an expensive ticket there. Will have to pay for new plates and registration this week, but it could have been WAY WORSE.

Wooh!  You are blowing my mind here.  I thought you could have an FSA or an HSA, but not both.  Is there a way to get both?  I have an HDHP and HSA, but will need some expensive dental work in the next few years.

YES. You can have both, HOWEVER, if you do have both, you can only use the FSA for vision and dental expenses. Because my basic dental is covered by my dental insurance, I only set aside enough in the FSA for glasses. If you knew you needed major dental work, you could get a quote and then set that aside in an FSA. Just be sure to use it all. :)

I thought it had to be an FSA that was specifically limited to vision and dental, not a regular one that you choose to only use for vision and dental.

La Bibliotecaria Feroz

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Re: What small things did you do TODAY to save money?
« Reply #5587 on: February 02, 2016, 08:23:59 PM »
Weekend round-up:

-Got my eyes checked for the first time in about 4 years and between benefits and money set aside in HSA, I didn't pay a thing, but got new glasses and new Rx sunglasses. Less than $5 left in FSA so that's the max I'll lose if I don't use it (can only go on eye or dental since I also have an HSA).

-Didn't drive anywhere Sunday - stayed in and made a large batch of sour cream enchiladas that were dinner, and also lunch for the rest of the week.
-repaired DD's skirt (sewed)

-got pulled over by military police but avoided a citation (I swear I stopped at that four-way) and he also pointed out that my out-of-state registration expired several months ago (holy shit!). He didn't call the county police (thank you, thank you, thank you) but warned me to get it taken care of right away. (Sir, yes sir!) So he saved me an expensive ticket there. Will have to pay for new plates and registration this week, but it could have been WAY WORSE.

Wooh!  You are blowing my mind here.  I thought you could have an FSA or an HSA, but not both.  Is there a way to get both?  I have an HDHP and HSA, but will need some expensive dental work in the next few years.

YES. You can have both, HOWEVER, if you do have both, you can only use the FSA for vision and dental expenses. Because my basic dental is covered by my dental insurance, I only set aside enough in the FSA for glasses. If you knew you needed major dental work, you could get a quote and then set that aside in an FSA. Just be sure to use it all. :)

I thought it had to be an FSA that was specifically limited to vision and dental, not a regular one that you choose to only use for vision and dental.

Yes, it has to be a special one. I ran into trouble setting up an HSA through MY employer because I could in theory be covered by my husband's FSA, which is not restricted. My employer offers a vision-and-dental FSA, but there's no reason for us to mess with that because we are not maxing out the HSA anyway.

OmahaSteph

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Re: What small things did you do TODAY to save money?
« Reply #5588 on: February 03, 2016, 08:51:35 AM »
I'm working on eliminating food waste at home, so that means keeping in mind what we've got in the fridge/freezer and eating it before it spoils. Today, this meant switching the menu plan around when I realized that we had hamburger buns that were going to go moldy soon; tonight was homemade Sloppy Joe night (buns dispatched); tomorrow will be Fattoush, to use up the leftover naan I made on Saturday.

Was rushed for time when I came home today between Job 1 and Job 2, but I went ahead and packed a lunch instead of grabbing something at the school cafeteria. It turns out my pre-class office hours were held outside on a sunny bench while my students and I ate lunch together -- worked great!

Organizing tomorrow's Book Swap at the kids' school -- kids bring in books they no longer read, and a couple of days later can pick up and take home an equal number of new-to-them books. It's relatively easy to organize, fun for the kids, and frugal for everyone. Triple win! This doesn't save me money, but I feel like when we organize events that tie into the sharing economy, we help the kids and our community develop patterns and systems of sharing and frugality that serve us all well.

LOVE this idea! I don't know if my kids' school would go for it, but I bet the Daisy Girl Scouts troop would be manageable.

Mermaid3011

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Re: What small things did you do TODAY to save money?
« Reply #5589 on: February 03, 2016, 09:31:58 AM »
I am sick at home today, so all I got was a "feel better" Starbucks coffee this morning when walking the dog. All meals will be at home and since I am going on vacation next Monday I am working on eating whatever is in the fridge.

- Pillsbury biscuits had to be used and I had an open bag of shredded cheddar. Voila: cheddar biscuits for dinner and probably for lunch today with a baby spinach salad.

- breakfast - open cereal box and milk that would otherwise spoil

- dinner - probably pancakes since I have to use up the eggs.


plainjane

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Re: What small things did you do TODAY to save money?
« Reply #5590 on: February 03, 2016, 10:45:22 AM »
Organizing tomorrow's Book Swap at the kids' school -- kids bring in books they no longer read, and a couple of days later can pick up and take home an equal number of new-to-them books. It's relatively easy to organize, fun for the kids, and frugal for everyone. Triple win! This doesn't save me money, but I feel like when we organize events that tie into the sharing economy, we help the kids and our community develop patterns and systems of sharing and frugality that serve us all well.

I love this idea, and it might be too late - but do you have the opportunity to add a few books to the pile for the kids who don't have many at home to give away? 

Kwill

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Re: What small things did you do TODAY to save money?
« Reply #5591 on: February 03, 2016, 01:42:22 PM »
I went back to YNAB after skipping a few months and realizing we were spending way more than we thought we were spending on some things. Sigh. It takes time to track money, but given how much we DONT save when we don't spend the time, it's time well-spent.

I need to get back to YNAB, too. I've been away a long time, and I'm back to my old habits of eating out very cheaply but much too often.

On the bright side, I've been car free for a week, and I've got a container of ice cream in the freezer which saves money by incentivizing not eating out for dessert or snacks.

lunahsol

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Re: What small things did you do TODAY to save money?
« Reply #5592 on: February 03, 2016, 02:54:01 PM »
- homemade lunch (sushi rice and edamame) and snack (dates!)
- received tax refund deposit and sent it directly to savings
- looked on amazon for free kindle books on a topic I wanted (and found several!)

Catbert

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Re: What small things did you do TODAY to save money?
« Reply #5593 on: February 03, 2016, 03:52:32 PM »
DH fixed two things that would have otherwise cost us much more money:
 
built-in microwave handle broke.  No way you could just replace the handle, but DH used a bolt and epoxy to fix it.  (He fixed a prevous micorwave with the same problem and it lasted years until replaced for other reasons.

Garbage disposal started leaking.  We don't use a lot (compost most things) but it was 10+ years old so exceeded its useful life.  Replaced it himself even though he hates plumbing projects.  Saved $200 - the installation cost if done by a plumber. 

Kitsune

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Re: What small things did you do TODAY to save money?
« Reply #5594 on: February 03, 2016, 07:09:11 PM »

Garbage disposal started leaking.  We don't use a lot (compost most things) but it was 10+ years old so exceeded its useful life.  Replaced it himself even though he hates plumbing projects.  Saved $200 - the installation cost if done by a plumber.

Basic plumbing skills save so much money it's ridiculous. My parents call a plumber for a leaking tap, and seemed to think we were incredibly handy for hooking up our new dishwasher ourselves... I can't imagine paying a plumber for those tasks!

lunahsol

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Re: What small things did you do TODAY to save money?
« Reply #5595 on: February 04, 2016, 02:37:50 PM »
Attending potluck tonight.  Chose to make a dish (hummus and veggie pinwheels) that can also serve as m  lunch for today and tomorrow - for a total cost of about 5 bucks. 

(Bonus:  I expect that there will be tons of leftovers at the potluck that people will be begging others to take away . . . . so breakfast and dinner for tomorrow will probably be handled, as well.)

dudde_devaru

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Re: What small things did you do TODAY to save money?
« Reply #5596 on: February 04, 2016, 08:13:56 PM »
Not really saving money. But did not know where to put this.

I am going to meet my ex-colleague for lunch tomo. Last I went out for weekday lunch was with this guy in Sept 2015. Am proud of myself for not eating out during the weekdays for straight 5months \mm/

jengod

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Re: What small things did you do TODAY to save money?
« Reply #5597 on: February 04, 2016, 10:37:23 PM »
Went in to Time Warner to remind them that we are supposed to get a monthly $5 credit because we own (rather than rent) our cable modem. The gal and I hit it off and she ended up "rebundling" our bill which dropped the total cost down by $10 a month. Yay for decreasing one of our fixed expenses/utilities for the foreseeable future.

Kitsune

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Re: What small things did you do TODAY to save money?
« Reply #5598 on: February 05, 2016, 07:40:51 AM »
Did the week's groceries for the family: 60$CAD (or about 40USD). 20$ of that is for 3 gallons of milk, which is the lowest they can legally sell it.

Thank god for a well-stocked freezer and pantry. Meals planned include a Swiss chard and Gruyere focaccia, kale salad, chicken soup with veggies and rice, lamb and orange stew (the lamb is from the one we had butchered in the fall)... Basically, we're eating super well for that amount!

Also, I made a commitment to go check out the local wine-making place where I can get bottles of wine for 3.40(in a batch), rather than paying 10$/bottle at the SAQ (govt-run liquor store, yay Quebec...) We enjoy wine and are running low, so, after that MMM article from a while back, I wanted to give this a try. I'll update on how it turns out!

Bracken_Joy

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Re: What small things did you do TODAY to save money?
« Reply #5599 on: February 05, 2016, 08:47:04 AM »
Found a Trader Joe's wine that is $3.99 and quite good. The Green Fin Cabernet Sauvignon, if anyone is curious. It's tart- I find most cheap reds are either syrupy or watery (bota boxes fall in to the bit watery camp, IMO). Not quite as excellent as their Coastal Cab ($5.50 per bottle here), but still very drinkable! Normally Grocery Outlet is our sub-$5 a bottle wine source, but most at my local location are in the $7.99-11.99 range the past couple weeks. The horror.

Pestered my work people until they paid the $75 gas stipend they missed from last month. Since gas is currently so cheap, this is essentially a freebie stipend. (Although the stipend doesn't scale with gas cost, so I need to enjoy this while it lasts!)

Found out DH's gas reimbursement (which is tied to actual mileage, not flat rate like mine), only reimburses at $0.50/mile, whereas the current IRS rate is $0.575/mile. Going to have him start tracking his odometer/mileage this year so we can write off the remainder there.