Lazy Man and Money

6 Proven Ways to Stop Blowing Your Budget While Shopping

by Leave a Comment

You’re at the store and you see it: the most awesome and amazing item you’ve ever seen. You just have to have it – now. But you came here for a new pair of socks or a carton of milk, not this new thing, and you try to remind yourself of that. However, as you round the corner of the checkout line, you go back and put it in your cart. It’s only one thing, right?

Most stores are designed to be temptation central, a place for you to find what you came in for and more. That means lots of blown out budgets and items getting charged to credit cards. But there are ways to stop yourself before you get out of control. These 6 simple steps can get you in and out of a routine shopping trip without your wallet taking a hit.

6 Steps to Stop Unplanned Purchases

Take a Handwritten or Printed List

With smartphones in your pocket, you most likely have abandoned the handwritten shopping list. But there are a few reasons why you should go back to writing everything down yourself. First, it helps you plan ahead. Knowing what you need and where it is located in the store can help you visualize your shopping trip before you step in the door. And, having a list in hand to cross out or check off, is a great practice of focus and goal setting.

Leave the Cards at Home

If you have to pay in cash, you’ll find it much harder to buy the object. However, coming to the store with enough cash is a bit risky, especially if you are unfamiliar with prices or aren’t sure if you can use a coupon. Instead, head to the ATM before you get in the store (don’t use the one there). Get enough cash for everything you estimate plus about 10% more in case you need it.

Avoid Temptation Stations

Most stores are designed to attract your attention from the very get-go, which is why all the newest and most popular items are upfront or advertised in larger flyers. Avoid this by using a less frequented entrance, such as through a garden center. For those who are tempted by clearance sections, stick to the middle of the store or away from end caps where those deals are most likely to be found.

Put It In Your Cart

If the item is too big a temptation, place it in your cart and walk around the length of the store. During your walk, ask yourself four important questions:

1. Do you have the budget for it?
2. Do you already have one that works/good condition?
3. When will you use it and how frequently?
4. Do you need it today?

By the time you get through these questions and do the full walk through of the store, you will likely see that you don’t need it after all and will want to put it back.

Check In With a Friend

Like all vices and even addictions, having an accountability partner is key. For shoppers, this person may be a spouse who knows your family’s financial position or a trusted and honest friend who has a frugal side. Whomever you pick, have them on speed dial when you find yourself eying a new pair of gloves or a video game for your collection. Have them repeat the four questions and see what their opinion is on it once you are done. If they give it the greenlight, buy it.

Put It on Hold

If you still want that item badly, try putting it on hold for however long the store will give you. Then, give yourself a break. Try not to think about it for a few hours now that you are away from the price tags and the shopping carts and see how you honestly feel about it. More than likely the attractiveness of the store display or the rush to get a good deal can cloud your judgement. However, if you are still dreaming of it several hours later, do some research. Can you get it cheaper online or at another store? Does it go on sale at a certain point in time?

Bad shopping habits die hard, especially for impulse shoppers (I know; I’m one of them). But by following a few simple steps, you can keep yourself in check, control your urges, and stick to your set budget.

10 Free Winter Date Ideas

by 2 Comments

Cabin fever is the worst, especially for romantics out there. Sure, bundling up by a roaring fireplace can be a nice treat, but what happens when that’s all you have or you can’t afford to do much else? Luckily for you, the season presents a ton of amazing free or super inexpensive date ideas just about everyone will love.

1. Sunset Watch

One of the worst parts of winter could become one of your favorite parts! With the sun going down so early, grab a blanket, find a spot on a hill, and invite your date to enjoy the sights. Bring hot tea or cocoa to up the romance.

2. The Local Tourist

In the winter, when kids are back in school, museums often feature free days or hours aimed at getting people in during the slow months. Take a day off and hit the exhibits before it becomes overpriced or too crowded to enjoy.

3. Antique Roadshow

If you love anything old, take to flea markets, bazaars, and shops to learn about America’s history. You don’t have to buy anything, but bring along a smartphone or WIFI enabled tablet so you can look up the maker or see the real value of that vintage tea seat or painting.

4. Old School Sledding

Have a little fun by going back in time to your childhood. Sledding isn’t just for kids! Grab a plastic saucer, a pool inner tube, a tray from a cafeteria (shhh…), or borrow a real sled and go crazy! It’s a winter amusement park waiting to happen.

5. Take a Class

When winter comes, smaller communities love to offer introductory classes. These may be in fitness, art, cooking, etc. Scan your Facebook page, local newspaper, or event website to see what’s going on in your area for free.

6. Bookworm Challenge

Love to read? Bring your date to the library and challenge them to pick out three books for you (and do the same for them). Then grab a table and have them tell you why you should read it. It may sound cheesey, but it’s a great way to open up and get some awesome reading recommendations too.

7. Indoor Cookout

Don’t bring the grill inside! Inside, turn up a fireplace or stand by a burner and create s’mores, hot dogs, or popcorn. Then snuggle up to a camping or outdoor movie to complete the feel. It’s a tasty treat that doesn’t require much in supplies or even too much creativity, but it’s always a fun change up on routines.

8. Get Intellectual

Once college is back in session, schools start packing their schedule with presenters and lecturers from all over the country. And most are free and open to the public! Try a music rehearsal with a famous conductor, sit in on a talk on human psychology with a famed author, or even learn about a new social issue from a visiting politician. You’ll leave with so much to talk about!

9. Bar Trivia

Bar trivia is a winter favorite of frugal people everywhere. It often only requires the purchase of one drink (stick with soda) to play, and you’ll love the competitiveness of it. Plus, who doesn’t want the chance to win gift cards, money, or other great prizes just by answering a few random questions correctly? This one is always a win for nerds and know-it-alls!

10. Score Free Tapping Tickets

If you live in a major city like New York or LA, you’re in luck! Shows filmed in your area are always looking for live audiences to fill their seats and provide laughter or even contestants. Luckily for us, all of that is free! You just need to reserve your spots online or over the phone and read the rules very carefully.

Easy Ways to Cut Down on Gym Costs

by 1 Comment

Starting a workout routine can be one of the best gifts we give ourselves. It improves our physical health and mental wellbeing. However, if you’re looking to join a gym or even take a few classes, you may be surprised at the cost. Between equipment, race bibs, subscriptions, drop-in fees, and memberships, being physical comes at a price. Fortunately, there are ways you can cut down on gym prices without missing a workout.

5 Ways to Cut Down on Gym Prices

Class-Hop

For those living in cities or larger towns, you are likely aware of social deals such as Groupon and LivingSocial, which offer discounts on activities and local goods. One of the most popular deals are for gyms and classes – especially when you buy in bulk.

While most of these only last a month, you can become a “class-hopper,” going where the deals take you. Each month, purchase another bulk deal on a gym membership or drop-in card as a new client. You’ll save 30-40% or more – a huge savings when you consider that gym and class memberships often cost $80 or more per month!

Save at Home

Gyms aren’t the only way to stay fit. If you don’t live near a workout facility or can’t get away, try internet workouts! YouTube, SparkPeople, and MyFitnessPal are all free sites that provide users with short workout videos or even home exercise lists that anyone can do without gym equipment.

That being said, you must be careful when trusting a YouTube or other popular video instructor. They may not be as qualified as you think. For peace of mind, consider investing in online programs that guarantee high-quality instructors that have been vetted. I personally love my monthly membership to an online yoga studio where I can learn from various teachers. Prices range from $15-25/month with unlimited sessions, which is significantly less than even one yoga class a week at my favorite studio!

Let Tech Take Over

Sometimes, the best workouts are the simplest ones. Staying active throughout the day can make a huge difference to your health and even assist you in losing weight. That is why one of the most popular fitness tech items out there is the FitBit. In the past, you would need to purchase a heart rate monitor, pedometer, food tracker, and more to make up what this one nifty device does. Even the older versions such as the Flex work great and are steals compared to the latest version!

But I really love the FitBit because it shows just how much I can do at home. It gives me encouragement to get up and move, and I never feel pressured to go to the gym to meet my goals. The option to workout and even compete against friends breaks me of the social need to attend a class.

Experiment With New Fads

From circus pilates to dodge ball leagues, fun new classes are popping up at gyms all over North America. The best part about them (besides being a ton of fun) is that they’re inexpensive! That is because, unlike Zumba or Barre, these classes are relatively untested or beloved. Teachers often put up trial classes to see what the interest level is before offering it to a wider audience. Take advantage of these testers to see if you like it enough to pay the full price and to get in a unique workout without the boutique prices you’d pay down the line.

Train With a Student

Personal training is a great investment on long term health, but training fees can be outrageous, especially if you want to work out with someone licensed or with great credentials. But all of those super star trainers and athletes had to start somewhere!

Many colleges and universities that offer degrees in athletic training, physical therapy, or exercise science need their students to have hands on learning experiences with their own students. Signing up to be a guinea pig doesn’t mean you’ll be stuck with a newbie as more than likely, you’ll get the help of not only the knowledgeable student, but also the professor with years of experience.

Your health doesn’t have to cost you a fortune. Instead of cutting down on your workouts, look for creative ways to get your sweat on without opening your wallet.

Saving on Holiday Fashions

by Leave a Comment

[Editor’s Note: I’m a little late to the game in publishing this article. To make up for it, I’ll add an additional holiday tip myself. Last year, I found that Christmas sweaters (ugly and regular) get huge markdowns following the season. I picked up 3 at more than 50% off then, so this year I’m all set.]

With the holidays fast approaching, you’re probably being bombarded with party invites and family obligations. It’s exciting if you’re a social butterfly like some in my family. However, it can also quickly add up price wise when you’re factoring in all those new, fancy clothes you’ll need to get through the company party, Christmas card photos, or outings with grandma.

But spending on fashion doesn’t have to empty your wallet. In fact, it doesn’t even have to cost you a thing! From kid styles to ugly sweaters, there are tons of ways to save on getting dressed for the season. Here’s how to stay fashionable this holiday season without going broke.

4 Ways to Save on Holiday Clothing

Thrift and Resales

One of my guilty pleasures is hitting up resale popups for my daughter’s clothing. It can be a bad habit, but when you walk away with 10 new items of clothing for a dollar each, it’s easy to see how it can become an addiction fast!

My trick is to only go to sales on the last day or during the final few hours – when most resale shops do steep discounts, such as dollar-dashes or half-off everything. Don’t be afraid to negotiate, either. The longer the item stays on the shelf, the deeper the discounts get. Even saving $1 here and there can go a long way.

I also like to buy holiday clothing out of season when other sellers or thrift stores are desperate to get rid of them. It’s a great thing to remember come spring when everyone else is shopping for tank tops and shorts!

Borrow or Trade

Having a fancy company holiday party to attend can really eat at the budget, especially for those attending black tie affairs. Women, in particular, will most likely need to find a new gown as I don’t know many who keep a long, evening appropriate outfit in their closet year round!

Instead of making a trip to a designer or even a big box store such as Macy’s or Nordstrom, check around with your friends first. Because evening gowns are so distinct, most don’t want to wear them a second time. Even more so, a friend may have a daughter’s prom gown lying around or a discarded bridesmaids dress that will work. Offer a trade for your past evening gowns for theirs. Who knows, it may lead to an entire closet exchange!

Rent

In addition, if you do want something completely unique, you can also use online services such as Rent the Runway, which allow you to “rent” an evening gown at nearly half the price, then return it when you’re done. This service can be a savior if you have multiple parties to attend!

Men should consider doing the same thing with their suits and tuxes. Rental suits are relatively affordable, but booking way in advance is absolutely necessary if you want the best deals. Put your order in before Thanksgiving and score some great discounts.

Stick to the Basics

If your family style is more causal for the holidays, consider buying all year round. Simple, staple items such as a red sweater, a black dress, tights, etc. can all be re-worn during the holidays without looking out of place. And while buying holiday clothes and dresses for your kids are fun, they look just as adorable when wearing a cardigan and a pair of corduroy pants.

If you already have the staples in your closet, I suggest taking everything out and playing a matching game. Pair your red vest with a white button down and then replace the vest with a green sweater. Change up the pants from black slacks to brown… and suddenly you have three outfits with pieces you already own and love! Take pictures of each combination so you remember your options!

Saving money is hugely important during the holidays, especially when it comes to superficial things such as clothing or designer goods. You don’t have to buy up a store for your kids or hit up a shopping center for a party dress. By sticking to what you have, what your friends want to give, and the good deals out there, you can keep your holiday clothing costs to a minimum.

Homemade Gift Ideas for Under $10

by Leave a Comment

The best gifts are from the heart and the hands. But so many are intimidated in fear of not being perfect or spending too much on supplies. However, there are some easy, stress free, and low cost DIY’s out there that anyone can do. Here’s my 5 personal favorite gift ideas that will have them wow-ing for under $10 in supplies.

5 Great Homemade Gifts for Under $10

1. Chapstick

We all need them, and we all lose them too! So why spend $10, 20, 30 on chapstick every year? Instead, you can make your gift receiver homemade chapstick they’ll want to keep handy all year round.

Supplies:

4 tbsp. coconut oil
1 tbsp. beeswax palettes
1 mini baby food jar or lipstick tube
Optional: Essential oil (your favorite flavor); red fruit punch mix (for color)

Directions:

  • Mix all of your ingredients together, including optional items in a bowl. If adding red color, add a little bit at a time before you get the desired red or pink color.
  • Microwave at 15-second intervals and stir between warming.
  • While still in liquid form, pour into container and allow to cool at room temperature.

2. Personalized Mugs

Personalized mugs are the hottest item this season. From initials to fun sayings and pictures, your friends and family will love these! But they don’t cost much to make, especially if you have a great eye for design or if you have kids who want to get creative to make a grandparent a gift.

Supplies:

Dollar-store ceramic or porcelain mug
Paint- or oil-based pens
Alcohol wipes or rubbing alcohol

Directions:

  • Clean mug with alcohol wipes or rubbing alcohol and allow to completely dry.
  • Use pens to draw or design. If you make a mistake, using the rubbing alcohol and a cotton swab to erase.
  • Let dry at room temperature in a cool area.
  • Place in oven set at 425° for one hour.
  • Turn off the oven and let it cool fully inside.

3. Personalized Apron

Chefs and want-to-be foodies love gifts that can be used inside their favorite space. One of my personal favorites is receiving aprons that are personalized to my kitchen or full of humor. But you don’t need to sew or embroider to create a quality apron. Here’s how to do it for less.

Supplies:

Apron in color of your choice
Iron-on letters or quotes

Directions:

  • Lay out the letters or quotes first and use a pencil to make small marks in case things get moved around.
  • Follow the directions for the iron on letters, especially paying attention to times and heat settings.

4. Vintage Chalk or Cork Board

Vintage is still in style, especially bold colors or golds and bronzes. A quick trip to the thrift store can help you complete this cute project any girl or college student will love. Change out cork and chalk to make it more personalized for your needs.

Supplies:

Ornate vintage frame
Sandpaper
Spray paint (or regular paint with brushes)
Corkboard or chalkboard paint (for frame backing)

Directions:

  • Select an ornate frame and use the sandpaper to take the shine out of the original color.
  • Spray paint or paint with regular brushes at least two coats.
  • Cut the corkboard or the backing piece to fit into the frame.

5. Photo Drink Coasters

Photo gifts are always a hit, especially for loved ones and family members. However, you don’t need to get yours outsourced or wait for weeks for an online site to create it. Making yours can take just minutes, but you’ll be sharing a lifetime of memories.

Supplies:

Porcelain tiles
Printed photos in tile size
Modpodge
Sticky felt pads

Directions:

  • Clean tiles thoroughly and let dry.
  • Put a thin layer of Modpodge on the front of the tile and then lay photo carefully on.
  • Dry for 15 minutes and then place 3 more coats, allowing the same drying time between. Do not place anything on tiles for at least 1 day to allow to fully set.
  • Apply felt pads to corners of the tiles or cutting so that it fits the bottom