Author Topic: What small things did you do TODAY to save money?  (Read 1839631 times)

tyort1

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Re: What small things did you do TODAY to save money?
« Reply #5800 on: February 29, 2016, 03:02:21 PM »
Switched breakfast from Fage yogurt with honey and berries to oatmeal with nuts and butter.  The Honey/Berries and Nuts/Butter is a wash, price wise, but the oatmeal is MUCH cheaper than the Fage. 
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Nickels Dimes Quarters

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Re: What small things did you do TODAY to save money?
« Reply #5801 on: February 29, 2016, 03:17:52 PM »
Ramen!!

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Bracken_Joy

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Re: What small things did you do TODAY to save money?
« Reply #5802 on: February 29, 2016, 04:07:13 PM »
Was really craving sourdough. Instead of going and buying an artisan loaf (~$6), I posted on my local But Nothing Group (gosh I love that group) and found a woman with a well established sourdough starter- it's a 35 year old starter, originally from a program on food production with an inuit tribe. Pretty cool. I also picked up flour which was on sale (woo). Doing the NYT No Knead recipe, and subbing some of the starter for yeast.

Undecided if I'll keep the starter going and keep baking or not. If I do decide to keep doing breads, I will definitely need to buy a kitchen scale. Hmm.

Also, mustachian people problem: We keep the house at 64, which seriously slows down ferments. Our kombucha has been going for 3 weeks and is only as tart as a 1 week kombucha made during any other time of the year- and I like ~1 month kombuchas! Long way to go, lol. I assume a sourdough starter will be affected similarly =\
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Dollar Slice

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Re: What small things did you do TODAY to save money?
« Reply #5803 on: February 29, 2016, 04:49:26 PM »
Also, mustachian people problem: We keep the house at 64, which seriously slows down ferments. Our kombucha has been going for 3 weeks and is only as tart as a 1 week kombucha made during any other time of the year- and I like ~1 month kombuchas! Long way to go, lol. I assume a sourdough starter will be affected similarly =\

For a short ferment (like bread dough) you can try putting it in a small enclosed space (microwave, bread box, large tupperware etc.) with a cup of hot water sitting next to it. That should be enough to warm the space a few degrees.

Not sure about a longer ferment unless you can put it in a tiny greenhouse near a sunny window or something... :-)

When I make bread dough I do it a day or two in advance and do a slow ferment in the refrigerator. Much more forgiving time-wise (i.e., you're unlikely to overproof it) and I think it turns out better.
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Bracken_Joy

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Re: What small things did you do TODAY to save money?
« Reply #5804 on: February 29, 2016, 04:53:22 PM »
Also, mustachian people problem: We keep the house at 64, which seriously slows down ferments. Our kombucha has been going for 3 weeks and is only as tart as a 1 week kombucha made during any other time of the year- and I like ~1 month kombuchas! Long way to go, lol. I assume a sourdough starter will be affected similarly =\

For a short ferment (like bread dough) you can try putting it in a small enclosed space (microwave, bread box, large tupperware etc.) with a cup of hot water sitting next to it. That should be enough to warm the space a few degrees.

Not sure about a longer ferment unless you can put it in a tiny greenhouse near a sunny window or something... :-)

When I make bread dough I do it a day or two in advance and do a slow ferment in the refrigerator. Much more forgiving time-wise (i.e., you're unlikely to overproof it) and I think it turns out better.

Yeah, I tried to time it so that it'll be at 18hrs tomorrow morning- that way if I need to leave it for longer, I have that flexibility.

Also, the heat in my house is radically uneven, and I think the kitchen is the warmest area- certainly near the best vent. Hopefully it'll work a bit better for the bread. Hmm, I should try and find a spot for the kombucha in the kitchen. (Currently in a cupboard elsewhere).

I like the water idea though!
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Cressida

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Re: What small things did you do TODAY to save money?
« Reply #5805 on: February 29, 2016, 10:52:11 PM »
Small hijack regarding ferments. Do they stop fermenting once you move them to the fridge? Or do they continue to ferment, just much more slowly? I'm  just wondering how soon I need to use up my pico/salsa hybrid. I fermented it about a month ago and then moved it to the fridge. I've used up one of the jars but not sure when I will get to the second one.

Thanks Mustachians.  :)

Inaya

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Re: What small things did you do TODAY to save money?
« Reply #5806 on: March 01, 2016, 07:12:34 AM »
Also, mustachian people problem: We keep the house at 64, which seriously slows down ferments. Our kombucha has been going for 3 weeks and is only as tart as a 1 week kombucha made during any other time of the year- and I like ~1 month kombuchas! Long way to go, lol. I assume a sourdough starter will be affected similarly =\
For a short ferment (like bread dough) you can try putting it in a small enclosed space (microwave, bread box, large tupperware etc.) with a cup of hot water sitting next to it. That should be enough to warm the space a few degrees.

Another option that I've heard of, but haven't personally tried, is to stick it in your OFF oven with the oven light on. I guess the light gives a gentle temperature boost.

Small hijack regarding ferments. Do they stop fermenting once you move them to the fridge? Or do they continue to ferment, just much more slowly? I'm  just wondering how soon I need to use up my pico/salsa hybrid. I fermented it about a month ago and then moved it to the fridge. I've used up one of the jars but not sure when I will get to the second one.

Thanks Mustachians.  :)

My milk kefir definitely keeps fermenting in the fridge once I've removed the grains. It's much, much slower, but still happens. If I let it sit in there for a week it gets a bit fizzy.

Actually, when I get overrun by kefir and need to use some up, I just toss my grains in the fridge with some milk. Still ferments, but takes a week instead of 24 hours.
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Bracken_Joy

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Re: What small things did you do TODAY to save money?
« Reply #5807 on: March 01, 2016, 09:07:59 AM »
Also, mustachian people problem: We keep the house at 64, which seriously slows down ferments. Our kombucha has been going for 3 weeks and is only as tart as a 1 week kombucha made during any other time of the year- and I like ~1 month kombuchas! Long way to go, lol. I assume a sourdough starter will be affected similarly =\
For a short ferment (like bread dough) you can try putting it in a small enclosed space (microwave, bread box, large tupperware etc.) with a cup of hot water sitting next to it. That should be enough to warm the space a few degrees.

Another option that I've heard of, but haven't personally tried, is to stick it in your OFF oven with the oven light on. I guess the light gives a gentle temperature boost.

I've heard this too. Alas, I am in an oven-light-less home right now.

Small hijack regarding ferments. Do they stop fermenting once you move them to the fridge? Or do they continue to ferment, just much more slowly? I'm  just wondering how soon I need to use up my pico/salsa hybrid. I fermented it about a month ago and then moved it to the fridge. I've used up one of the jars but not sure when I will get to the second one.

Thanks Mustachians.  :)

My milk kefir definitely keeps fermenting in the fridge once I've removed the grains. It's much, much slower, but still happens. If I let it sit in there for a week it gets a bit fizzy.

Actually, when I get overrun by kefir and need to use some up, I just toss my grains in the fridge with some milk. Still ferments, but takes a week instead of 24 hours.

Yep, that's my experience too- slows but doesn't stop. I've heard that sour dough can be fed just once per week if it's in the fridge, but if it's on the counter it has to be fed daily.

And I haven't done salsa ferments, but I have done kraut and kimchee and pickles. Any of those will keep a LONG time in the fridge pretty stable, so long as they don't have tight sealed lids or metal exposure. (I use these caps instead of metal mason jar caps: http://www.amazon.com/Ball-Regular-Mouth-Storage-Caps/dp/B0000BYC4B). The biggest thing, of course, is to keep a pure colony. NEVER use bare hands to take stuff from the jar, don't lick the fork between ladling out kimchee, etc. Clean utensil, rinsed in between. And avoid putting anything near your ferments in the fridge that can mold- ie, don't forget a block of cheese in the back. Sigh. I lost some lovely sauerkraut because of that once.
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Vanguards and Lentils

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Re: What small things did you do TODAY to save money?
« Reply #5808 on: March 01, 2016, 09:40:30 AM »

My milk kefir definitely keeps fermenting in the fridge once I've removed the grains. It's much, much slower, but still happens. If I let it sit in there for a week it gets a bit fizzy.

Actually, when I get overrun by kefir and need to use some up, I just toss my grains in the fridge with some milk. Still ferments, but takes a week instead of 24 hours.

I love the fizziness! I haven't had it happen enough to see a pattern, but I will try this so thanks! I guess I should split it into multiple batches so they can ferment longer in the fridge.


And so I don't derail the thread...
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TravelJunkyQC

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Re: What small things did you do TODAY to save money?
« Reply #5809 on: March 01, 2016, 09:42:13 AM »
Apart from bringing my lunch and carpooling with my BF to work, today I reserved a inter-city carpool for Thursday morning. I have a flight out of Montréal on Thursday afternoon, and instead of driving and parking there, I reserved two spots in someone else's car (one for me, one for my snowboard). 36$ for the trip. No driving. Good deal.

mm1970

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Re: What small things did you do TODAY to save money?
« Reply #5810 on: March 01, 2016, 11:24:39 AM »
got free food.  Well, I ate lunch out yesterday (going away lunch).

But work had an anniversary party last week.  I missed it.  Our admin manager told me that we had leftovers in the fridge, so I grabbed a bunch of chicken tikka masala and took it home for dinner.  It was yummy.  I think that's all that was left.

lunahsol

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Re: What small things did you do TODAY to save money?
« Reply #5811 on: March 01, 2016, 01:38:48 PM »
Used lunch hour to go cash in Costco rebate. 

Bracken_Joy

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Re: What small things did you do TODAY to save money?
« Reply #5812 on: March 01, 2016, 02:00:46 PM »
Used lunch hour to go cash in Costco rebate.

Ugh I still need to do this. Thank you for the reminder. On the to do list for Thursday. I should have saved my gas fill for then too. Oh well.
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Kwill

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Re: What small things did you do TODAY to save money?
« Reply #5813 on: March 01, 2016, 05:07:32 PM »
I had a leftover sandwich and some peanuts for dinner tonight. I had made the sandwich yesterday morning forgetting that I had a work-related lunch planned. Then I ended up having a work-related dinner last night and a work-related lunch today. Some very nice occasions and delicious food from the generosity of others, which was very nice.

Threshkin

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Re: What small things did you do TODAY to save money?
« Reply #5814 on: March 01, 2016, 05:52:33 PM »
Ordered checks online from Vistaprint, with a coupon, instead of from my bank. And I resisted spending a dollar on a customized icon or monogram, because who cares? Not sure how much I saved, but the last time I checked they were laughably expensive from the bank. I was tempted to upgrade to the $8.99 for 150 checks package, but then I realized that at the rate I used the last book, 150 would be a ten-year-supply and I will almost certainly move or change banks or something before I used them up.

...snip...

I am still using checks from 3 houses/8 years ago.  On the very rare occasion i need to send a check the recipient does not mind. 

CindyBS

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Re: What small things did you do TODAY to save money?
« Reply #5815 on: March 01, 2016, 06:55:19 PM »
This is more for my son than me, but tonight I attended an information night and starting laying the plans for him to participate in our state's program that allows high school students to take college classes and get both HS and college credit and the state pays for it 100%.  I suppose no money savings yet, but step 1 of a long walk has been taken. 

Joggernot

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Re: What small things did you do TODAY to save money?
« Reply #5816 on: March 01, 2016, 07:20:16 PM »
This is more for my son than me, but tonight I attended an information night and starting laying the plans for him to participate in our state's program that allows high school students to take college classes and get both HS and college credit and the state pays for it 100%.  I suppose no money savings yet, but step 1 of a long walk has been taken.
This is good.  My youngest grandson was in this type of program and is graduating HS with a 2-year degree that cuts 2 years off his college degree in a state college.  Saves two years of college costs.  Yea!

Rosy

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Re: What small things did you do TODAY to save money?
« Reply #5817 on: March 01, 2016, 07:22:44 PM »
^^^ awesome savings on the kids college funds ^^^

Made a salad entirely with fresh, organic, produce from my garden - 3 kinds of lettuce, borage, lemon balm, parsley, basil and tomatoes. Delish:)

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Re: What small things did you do TODAY to save money?
« Reply #5818 on: March 01, 2016, 08:16:16 PM »
Had 2 hours of time to use with my toddler in the city, and it was too cold and icy to play outside... So I took her to the farmers market and spent 5$ on things she felt like nibbling while exploring (cherry tomatoes, a small Apple, pitted olives, a slice of cheese, an empenada...)

She had a great time exploring the place and was super excited to get to taste everything she wanted, and I was super happy to be able to ask "how much for a small handful of cherry tomatoes for the toddler" and spend 50 cents. Overall, a cheap way to spend 2 hours in the city in winter.


HappierAtHome

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Re: What small things did you do TODAY to save money?
« Reply #5819 on: March 01, 2016, 08:23:50 PM »
Desperately wanted a "fun" lunch in between medical appointments today. Resisted picking anything up and am instead making pizza with homegrown basil and capsicum.

lhamo

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Re: What small things did you do TODAY to save money?
« Reply #5820 on: March 01, 2016, 08:28:41 PM »
Power went out about 5 minutes before I got home with DS this afternoon.  We were going to head to Starbucks to wait it out, but then I talked DS into going to the library instead.  If the power had stayed out until it originally was predicted to come back on (7:30pm), we would have had pizza out for dinner, but I got the robocall from the power company that it was back on at 5:00, so convinced DS to head home instead.  No extra money spent -- not even on the Starbucks card! 
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FerrumB5

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Re: What small things did you do TODAY to save money?
« Reply #5821 on: March 02, 2016, 07:50:39 AM »
Ordered checks online from Vistaprint, with a coupon, instead of from my bank. And I resisted spending a dollar on a customized icon or monogram, because who cares? Not sure how much I saved, but the last time I checked they were laughably expensive from the bank. I was tempted to upgrade to the $8.99 for 150 checks package, but then I realized that at the rate I used the last book, 150 would be a ten-year-supply and I will almost certainly move or change banks or something before I used them up.

Not exactly something *I* did, but my parents came to visit yesterday and my mom had asked if she could pick me up something at the grocery store since she was going anyway and she knows it's hard for me lately (hurts when I walk, so grocery shopping is no fun). I felt bad asking her for any favors since she was in the hospital earlier this week (the Slice family is in rough shape these days!), but she asked multiple times and it was clear she would really like to bring me something, so I told her a few small things I needed (soap, bread, pasta). She decided that in addition to that, since I've been looking for things to try in my new Instant Pot, she would just bring me everything I needed to make a really nice beef stew. And some nice Lake Champlain chocolates, just because. So that's pretty much all my dinners and desserts sorted out for the week :-)  If I'm feeling ambitious, I'll make a baked ziti while the stew is simmering (which was my planned "big bake-ahead dinner for the week" thing) and use that for lunches...

Can I order my Chase bank checking account checks via VistaPrint? Bank offers 100 checks for $22, VistaPrint offers 150 for $13. If answer - yes, could you walk me thru the details, pls?

Dollar Slice

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Re: What small things did you do TODAY to save money?
« Reply #5822 on: March 02, 2016, 08:19:29 AM »
Can I order my Chase bank checking account checks via VistaPrint? Bank offers 100 checks for $22, VistaPrint offers 150 for $13. If answer - yes, could you walk me thru the details, pls?

Yes, the ones I ordered are for Chase bank, actually :-)

Go here: http://www.vistaprint.com/checks.aspx and select "personal wallet checks." Then you have to pick a design (it costs an extra dollar if you pick something with an "accent image," which is the little clip-art thing in the corner of some of them; but you can remove the image). Give them your name, address, name of your bank, etc. Then you have to give your routing number and account number (which are on your old checks, if you have some, or you can find it online). Triple check all this to make sure it's correct or your checks won't work!

You can get a coupon code to make it even cheaper, e.g. "BIGDEAL" will get it down to $8.99 for 150 checks right now, or $2.99 for 25 checks.

That's about all you need to know. If you have any trouble with it feel free to PM me.
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Inaya

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Re: What small things did you do TODAY to save money?
« Reply #5823 on: March 02, 2016, 08:24:05 AM »
It's always surprising to me that people still use checks (and have to buy in increments of 100+). My bank(s) will just send a check to anyone (e.g. landlord) on my behalf. But what's even more amazing is that banks still charge for them. How are free checks not the norm? (Protip: Sign up for Vistaprint's e-newsletter. They have lots of deals. I used them exclusively for wedding stuff (invites, thanks you card, etc.), and saved a lot of money through newsletter deals.)

And so not to derail, made a big pot of soup on Sunday so I don't buy at work all week. Also finally brought my box of 100 teabags in so I don't pay $1 per at the snackbar. Will be making homemade pizza tonight for pennies instead of spending $25 on delivery.
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FerrumB5

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Re: What small things did you do TODAY to save money?
« Reply #5824 on: March 02, 2016, 08:37:52 AM »
Can I order my Chase bank checking account checks via VistaPrint? Bank offers 100 checks for $22, VistaPrint offers 150 for $13. If answer - yes, could you walk me thru the details, pls?

Yes, the ones I ordered are for Chase bank, actually :-)

Go here: http://www.vistaprint.com/checks.aspx and select "personal wallet checks." Then you have to pick a design (it costs an extra dollar if you pick something with an "accent image," which is the little clip-art thing in the corner of some of them; but you can remove the image). Give them your name, address, name of your bank, etc. Then you have to give your routing number and account number (which are on your old checks, if you have some, or you can find it online). Triple check all this to make sure it's correct or your checks won't work!

You can get a coupon code to make it even cheaper, e.g. "BIGDEAL" will get it down to $8.99 for 150 checks right now, or $2.99 for 25 checks.

That's about all you need to know. If you have any trouble with it feel free to PM me.

Thanks!! (Just checking - do they really work just as a regular Chase ordered ones? No bouncing?)

RamonaQ

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Re: What small things did you do TODAY to save money?
« Reply #5825 on: March 02, 2016, 09:26:54 AM »
I sold several gift cards with tiny amounts left on them that I would never use.  Made $8.

I cut open my bottle of lotion to get 2-3 more uses out of it.
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serpentstooth

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Re: What small things did you do TODAY to save money?
« Reply #5826 on: March 02, 2016, 09:36:26 AM »
Can I order my Chase bank checking account checks via VistaPrint? Bank offers 100 checks for $22, VistaPrint offers 150 for $13. If answer - yes, could you walk me thru the details, pls?

Yes, the ones I ordered are for Chase bank, actually :-)

Go here: http://www.vistaprint.com/checks.aspx and select "personal wallet checks." Then you have to pick a design (it costs an extra dollar if you pick something with an "accent image," which is the little clip-art thing in the corner of some of them; but you can remove the image). Give them your name, address, name of your bank, etc. Then you have to give your routing number and account number (which are on your old checks, if you have some, or you can find it online). Triple check all this to make sure it's correct or your checks won't work!

You can get a coupon code to make it even cheaper, e.g. "BIGDEAL" will get it down to $8.99 for 150 checks right now, or $2.99 for 25 checks.

That's about all you need to know. If you have any trouble with it feel free to PM me.

Thanks!! (Just checking - do they really work just as a regular Chase ordered ones? No bouncing?)

I ordered checks from some online check printing service and I've never had a problem. If the routing and account numbers are correct, it should be fine.

Dollar Slice

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Re: What small things did you do TODAY to save money?
« Reply #5827 on: March 02, 2016, 09:46:19 AM »
Thanks!! (Just checking - do they really work just as a regular Chase ordered ones? No bouncing?)

Yep. I've used them before, never had any problems with my checks :-)  There are tons of places you can order checks online, this is not an unusual thing to do.
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cerat0n1a

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Re: What small things did you do TODAY to save money?
« Reply #5828 on: March 02, 2016, 10:01:51 AM »
But what's even more amazing is that banks still charge for them. How are free checks not the norm?

Amazing to me - what other bank things do you have to pay for in the US? The only fees or costs I pay on my bank accounts are commission on foreign currency transactions. Do they charge you for other stuff as well as checks?

They've almost disappeared here - most people use internet banking to pay bills, move money to others' accounts etc. I used one today to pay a big lump sum into my pension. Not sure it counts as a small saving. For each £1000 I pay into it (up to a certain amount), the pension gets credited with £1250 (but I can't touch the money until age 55) and I get £400 back at the end of the tax year (a situation the government is likely to change soon.)

Dollar Slice

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Re: What small things did you do TODAY to save money?
« Reply #5829 on: March 02, 2016, 10:16:44 AM »
Amazing to me - what other bank things do you have to pay for in the US? The only fees or costs I pay on my bank accounts are commission on foreign currency transactions. Do they charge you for other stuff as well as checks?

A lot of checking accounts do have free checks, but at Chase you have to have either $15k in a Chase account or you have to hold a mortgage with them to qualify. I don't do either of those things, so I use the most basic checking account and I have to pay for checks. They do have free bill pay so I could in theory have them send the check. But my landlord lives across the hall from me, so it seems easier, friendlier, and more reliable to just give him a check rather than use online bill pay services to send him a check in the mail. Cost to me to use checks is measured in cents per month. I'm OK with that.
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cerat0n1a

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Re: What small things did you do TODAY to save money?
« Reply #5830 on: March 02, 2016, 10:34:22 AM »
But my landlord lives across the hall from me, so it seems easier, friendlier, and more reliable to just give him a check rather than use online bill pay services to send him a check in the mail.
Now I'm more confused :-) You go online to make a payment and the result is that the bank sends a check in the mail? Does the landlord then have to take the check to his or her own bank? Don't they just move the money from your account into the landlord's bank account?

Inaya

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Re: What small things did you do TODAY to save money?
« Reply #5831 on: March 02, 2016, 10:42:17 AM »
But my landlord lives across the hall from me, so it seems easier, friendlier, and more reliable to just give him a check rather than use online bill pay services to send him a check in the mail.
Now I'm more confused :-) You go online to make a payment and the result is that the bank sends a check in the mail? Does the landlord then have to take the check to his or her own bank? Don't they just move the money from your account into the landlord's bank account?
At my bank the ACH transfer (my bank account to another person's) has a fee, but the "send a check" option does not. ACH and wire transfers are actually among the very few things my bank actually has fees for. I think traditional banks (BofA, Chase, etc.) are more prone to fees than online banks (Ally, Discover, etc.).

Once P2P (peer to peer) payments catch on a bit more, you could potentially get rid of check aspect entirely.
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Dollar Slice

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Re: What small things did you do TODAY to save money?
« Reply #5832 on: March 02, 2016, 11:07:57 AM »
But my landlord lives across the hall from me, so it seems easier, friendlier, and more reliable to just give him a check rather than use online bill pay services to send him a check in the mail.
Now I'm more confused :-) You go online to make a payment and the result is that the bank sends a check in the mail? Does the landlord then have to take the check to his or her own bank? Don't they just move the money from your account into the landlord's bank account?

The bank's bill pay service has agreements with lots of companies that send monthly bills to customers (electric & gas, cable, etc.) so you can use the service to pay them electronically. If you use it to pay some random person, they would mail a check to the person since they don't have a prior agreement set up for electronic transfers. If you wanted to do an electronic transfer to another individual, you would have to use a different service (at least some of which cost money).

I've honestly not spent any time looking into electronic transfers since every landlord I've ever had has wanted to be paid by check. I'm not about to demand his checking account number and bank info so that I can automate something that takes me about 30 seconds a month. Who cares?  :-)
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MandalayVA

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Re: What small things did you do TODAY to save money?
« Reply #5833 on: March 02, 2016, 11:10:23 AM »
I literally can't remember the last time I wrote a check.  I have them for my current account but every entity with which I do business does online bill pay.  I guess you never know when a situation will arise.

As to my money saving, I have a Tuesday night group meeting on the other side of Richmond that cuts into dinner hour, which in the past meant I'd grab fast food out there.  Now I make sure I have something at home that I can heat up quickly.  Cheaper and better for me!
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FerrumB5

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Re: What small things did you do TODAY to save money?
« Reply #5834 on: March 02, 2016, 11:12:38 AM »
One of my previous landlords allowed electronic payments, which gave me $120 in credit card points over a year. Not everyone does that, unfortunately.

PMG

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Re: What small things did you do TODAY to save money?
« Reply #5835 on: March 02, 2016, 11:45:45 AM »
I send checks through my bank but wished I had some when I had to put a deposit on my new apartment.  Used a money order instead but that was a pain and risk as I had no way to stop payment if I needed to.

I pay my tuition by having the bank send a check to the school and avoid the schools 3.5% fee for online payments.  Those fees are ridiculous. Sure they pay for the service but I'm guessing it costs more to have staff process my check! 

If only I could put all that tuition on a credit card to earn points, so I save money by sending checks.

lunahsol

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Re: What small things did you do TODAY to save money?
« Reply #5836 on: March 02, 2016, 12:39:21 PM »
The usual free work coffee and homemade lunch routine.

Also, having some fun delving into making credit cards work for me instead of the other way around.  I'm starting small, but think I have it worked out to a credit of $200 if I play this right.  That said, I am going to need a spreadsheet so I do not lose track!

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Re: What small things did you do TODAY to save money?
« Reply #5837 on: March 02, 2016, 12:52:01 PM »
Amazing to me - what other bank things do you have to pay for in the US? The only fees or costs I pay on my bank accounts are commission on foreign currency transactions. Do they charge you for other stuff as well as checks?

A lot of checking accounts do have free checks, but at Chase you have to have either $15k in a Chase account or you have to hold a mortgage with them to qualify. I don't do either of those things, so I use the most basic checking account and I have to pay for checks. They do have free bill pay so I could in theory have them send the check. But my landlord lives across the hall from me, so it seems easier, friendlier, and more reliable to just give him a check rather than use online bill pay services to send him a check in the mail. Cost to me to use checks is measured in cents per month. I'm OK with that.

I send my landlord a check. He lives downstairs. :P

He's rarely home, though, and I like being able to just schedule a repeating payment and forget about it.

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Re: What small things did you do TODAY to save money?
« Reply #5838 on: March 02, 2016, 01:11:20 PM »
If you wanted to do an electronic transfer to another individual, you would have to use a different service (at least some of which cost money).

I've honestly not spent any time looking into electronic transfers since every landlord I've ever had has wanted to be paid by check.
Interesting. Long time since I've rented here, but I would expect nearly all landlords to only accept money going directly into their account - having to collect checks from tenants and take them to a bank seems like work. Electronic transfer to someone else's account is easy, instant & doesn't cost anything.

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Re: What small things did you do TODAY to save money?
« Reply #5839 on: March 02, 2016, 05:56:53 PM »
If you wanted to do an electronic transfer to another individual, you would have to use a different service (at least some of which cost money).

I've honestly not spent any time looking into electronic transfers since every landlord I've ever had has wanted to be paid by check.
Interesting. Long time since I've rented here, but I would expect nearly all landlords to only accept money going directly into their account - having to collect checks from tenants and take them to a bank seems like work. Electronic transfer to someone else's account is easy, instant & doesn't cost anything.


Would cost me $20. Transfer to accounts generally isn't free in the US. Also there's no way to do it online, at least for me; I'd have to physically go into a bank to set it up.

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Re: What small things did you do TODAY to save money?
« Reply #5840 on: March 02, 2016, 05:59:53 PM »
If you wanted to do an electronic transfer to another individual, you would have to use a different service (at least some of which cost money).

I've honestly not spent any time looking into electronic transfers since every landlord I've ever had has wanted to be paid by check.
Interesting. Long time since I've rented here, but I would expect nearly all landlords to only accept money going directly into their account - having to collect checks from tenants and take them to a bank seems like work. Electronic transfer to someone else's account is easy, instant & doesn't cost anything.


Would cost me $20. Transfer to accounts generally isn't free in the US. Also there's no way to do it online, at least for me; I'd have to physically go into a bank to set it up.

I've had it for free from both Chase and ING Direct, but it's certainly not widely used. I understand that in other parts of the world you might reimburse a friend for half the lunch tab via an electronic transfer, but that's not a thing here. Everyone pays my husband for freelance by cash or check or, rarely, Venmo or Paypal.

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Re: What small things did you do TODAY to save money?
« Reply #5841 on: March 02, 2016, 07:05:01 PM »
Packed breakfast and lunch for work. 
Forced myself to eat my packed lunch (really craving sushi)
Cooked breakfast for dinner because there were a few chicken sausages that were close to going bad.


Gevans17

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Re: What small things did you do TODAY to save money?
« Reply #5842 on: March 02, 2016, 08:55:02 PM »
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Bracken_Joy

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Re: What small things did you do TODAY to save money?
« Reply #5843 on: March 02, 2016, 09:53:33 PM »
Had a friend over for tea, rather than going out somewhere.
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Re: What small things did you do TODAY to save money?
« Reply #5844 on: March 03, 2016, 06:09:27 AM »
I peeled and chopped whole carrots for lunch snacks instead of buying expensive bags of baby carrots. 

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Re: What small things did you do TODAY to save money?
« Reply #5845 on: March 03, 2016, 06:36:49 AM »
I peeled and chopped whole carrots for lunch snacks instead of buying expensive bags of baby carrots. 

Why do you peel them?

I just give them a wash and then cut them up.  I haven't peeled carrots in years.
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Orvell

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Re: What small things did you do TODAY to save money?
« Reply #5846 on: March 03, 2016, 06:37:38 AM »
A friend is giving me a lift to the airport so I don't have to use a taxi (I will repay in baked goods down the line); My upstairs neighbor is cat sitting for me; I'm packing oranges and nuts and an empty waterbottle so I don't have to buy airport food; When I get to my destination, I'm taking public transportation ($3.75) downtown to avoid the $25 communal taxi van into the city.

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Re: What small things did you do TODAY to save money?
« Reply #5847 on: March 03, 2016, 06:46:53 AM »
I peeled and chopped whole carrots for lunch snacks instead of buying expensive bags of baby carrots. 

Why do you peel them?

I just give them a wash and then cut them up.  I haven't peeled carrots in years.

I peel them because that's how I like to eat them.

Larabeth

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Re: What small things did you do TODAY to save money?
« Reply #5848 on: March 03, 2016, 07:34:47 AM »
Cooking Minestrone Soup for dinner.

Also, just set up my raised garden using bricks my MiL was about to throw out.  Plus, since I did this instead of buying/making a raised garden, I don't need as much dirt.

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Re: What small things did you do TODAY to save money?
« Reply #5849 on: March 03, 2016, 07:57:41 AM »
Yesterday I repacked my lunch container with some leftover pasta & chicken that I found in the lunchroom.  Today I brought in a small container of cauliflower to stretch the pasta to cover both today and Friday.
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