in response to Hopeisalive... Hopeisalive
HUBBY LOST HIS JOB IN SEPT 2008, NO LUCK SINCE!! The following is some of the things I've done to save money while we slowly have depleted our 401k accounts. :o( I gives these tips in the hopes they help you…. BUT RIGHT NOW GO GET A BAG AND PACK YOUR CAR WITH A COUPLE CHANGES OF CLOTHES, BABY THINGS, FORMULA AND SOME EXTRA WARM BLANKETS. (Just in case you can’t stop an eviction and you get locked out of your apartment. )
REASSESS, RETHINK, and REALIZE you can survive.
First thing you need to do is reassess your bills. Concentrate only on what you need to be safe, warm and fed. This means, cancel the cable, expensive cell phone service (go prepaid), anything that you can really live without. You’ll need to keep your electricity, water, sewage, rent, internet access for school, car insurance, and car payments up. Notice I didn’t say phone, or cable bill? They are not necessary to survive. If you are under contract with your cell phone, call them, tell them your situation and ask that your service be reduce to the bare minimum available. For example if you pay $59.99 a month for unlimited talk and text. Reduce that if possible to their cheapest plan and remember you have LIMITS NOW so stop calling and texting everyone and their dog, tell your friends to email you instead! Check your contract to see what your options are. The secondly there is a Telephone Assistance Program, which pays for a good portion of a landline, or cell bill if your service is the bare minimum. Call your local company for info.
SCHOOL
You are in school, so go talk to the financial aid officer and tell them your situation. Make sure they know you have a newborn because that should reduce your "contribution" on your financial aid papers and increase the amount of student aid. Perhaps there is a work-study position you can get. If you are especially good at a particular subject, offer to tutor others for a fee. $10 an hour is a good tutor rate, be sure to collect payment at the time of service. Also, check out the job placement office if your school has one, for internship opportunities.
Books: Make sure you know the ISBN number of the book you need for your classes. Buy them online. Also if the instructor has bought the new version of the same book previously used in the class…. Ask permission to buy the older version. Chances are the old version is just fine but has small changes. Then ask to copy those sections from a friend’s book.
In late summer and sometimes throughout the year, you can find online coupons for pens, pencils, paper and other school supplies. ALWAYS search out those before buying… and check out deals at Walgreens and Walmart to save even more!
Have issues of your own with a math class? Use Youtube, Yaymath.org, Mathtv.com to find videos that explain a concept or math problem. I’m always amazed what you can learn online free. I took an online math class and these sites saved my grade!
LANDLORD, RENT
Talk to your Landlord or property manager. Can you paint or clean apartments or do some yard work in exchange for rent? Do they know of any low income programs for with you may qualify?
ULITITIES
Contact your electric company let them know you have an infant in your home. I believe there are laws against them shutting you off when children or infirm are in the home during the winter... but you will have to make payment arrangements. The same goes for natural gas if that is your source of heat.
See above regarding phones.
Water/Sewer/Garbage Services: Many municipalities require these services. But if you live in a rural area, talk to your neighbors. Perhaps you can “share” garbage service and the bill. I once lived where it was $15 a month to have the garbage hauled away. Luckily it was unlimited 55gallon cans for that price. We shared the bill and we both saved.
Be vigilant about water use. Stop running water for no reason. Find out how much water is wasted just getting hot water to the tap. Collect and Measure it. If you pay for water… you will be horrified how much money is just going down the drain. At least do what you can to save this wasted water and use it to water plants, flush the toilet, heat and use for hand washing clothes, or simply water your pets with it.
Set a timer for your showers too, 5 minutes max. Better yet, wet down turn off water, soap up from head to toe, then rinse.
SAVING ENERGY…..
Learn to turn off and unplug any non-essential electric item. Turn off the lights at night... wander around in the dark and make note of all the little power vampires (glowing lights) you see. Then determine which ones are just sitting there sucking money out of your wallet while they are not in use and unplug them.
Insulate your windows with found or recycled bubble wrap (spray clean window with water, then stick the wrap on the glass bubble side toward the glass) You’ll help prevent heat lost and will still get natural light.
When the baby is a little older, consider keeping the heat at about 65*F at night and 68*F during the day.
If you don’t already have them, replace light bulbs as they burnout with compact florescent bulbs no more than 13watts each. (try to get the “instant on” ones)
Build yourself a passive solar heater if you have a south or southwest facing window. An 18" x 30" x 6" box with the interior painted black and filled with black-painted pop-cans with the ends cut out can produce 115*F heat during mid-day with good sun exposure and 99*F heat on a hazy day. It's free, requires no electricity to run... and helps supplement your home heating system. Youtube, solar furnace. A friend made one from, aquarium glass, a drawer from a beat up dresser the glass happened to fit, and pop cans. It's funny looking but it works well and it was free because she used what she had.
FOOD: STOP BEING SO PICKY… you just want to stay alive and make a turd. :o)
Use food pantries! It is not shameful to need help in times like these, go get some free food. Learn to cook your own inexpensive meals and STRATEGICALLY use coupons to buy sale items for pennies.
Stock up on "staples" and dry goods in your pantry. Things like rice, beans, noodles last a long while in sealed containers like jars. (did you know you can plant dry beans you get at the grocery store?)
If your infant doesn't have specific issues that require special formula, sign up at each of the main formula sites. Good start for instance will send you a full size can of formula and some $5 off coupons. Go the cloth diaper route... or sign up at all the diaper sites for coupons and samples. (be sure to have a separate "coupon sites only" email account.) Match your coupons with deals from CVS, Walgreens, Walmart and even Toys R US.
Find out from your grocer when the meat department has "manager specials" these are typically once a week and that is when you see "$2" off or more off the package price. The meat is fine and in fact, in most cases it is better than the full price stuff because it has aged more. Mine does it on Mondays. Last time I got smoked pork chops 2 to a package which are normally $8.99 a package and I got them for $1.75 a piece!
Resolve to make what you can instead of buying pre-packaged convenience foods. Pancake mix is easy to make, as is biscuit mix. Why spend $5 for a box that will only last 3 breakfasts when you can spend the same $5 and get the flour, baking powder and make 4 times as much? Why buy biscuits in a can when you can make the mix, and have “grands” style biscuits in a jiffy! While you are at it… make the biscuits, bake until just turning golden, remove from oven, allow to cool, and freeze on a cookie sheet until rock hard, place in the ziplock and place in freezer. Voila… Grands, for pennies. Breakfast then becomes easy, fry an egg, add some cheese, nuke a biscuit, slap it together and go! You can do pancakes this way too.. just cook as normal, then cool and freeze, etc then microwave.
Almost free food: It is work and a huge learning process but oh so worth it. Even the tiniest appartment can have a garden. It's true! I planted 2 tomato plants, 4 pepper plants, spinache, carrots, turnips, squash, onions, cucumbers and peas in a 8x8 plot this past summer. I'm still getting squash, tomatoes peppers and peas, IN IDAHO. I've even donated some squash and tomatoes to the food pantry when I was just overwhelmed by all the stuff comming out of my garden. Ok, so maybe you don't have a spot like mine... but check this out. a 20 inch pot can hold a corn stalk, green beans, and a squash plant. This is called the three sisters method and comes from the Native Americans. The beans or peas, fix nitrogen in the soil, which the corn needs and the corn profides a nice pole up which the beans can climb, the squash helps retain the moisture in the soil by shading it, and they will all provide you more than enough food for about 3-4 months. Then share or preserve the rest. Three of those on an appartment balcony can give you lots of veg!
Beverages: There is an old diet saying “Don’t drink your calories.” While this was mostly regarding Colas, beer, etc., it makes good sense for a lot of reasons. For our purposes, it makes sense for your wallet. Make your own beverages like koolade, tea, lemonade, barley water, coffee and even vanilla in water with sugar to taste makes a great substitute for cream soda, (sans all that salt!) Tea can be purchased inexpensively from the $1 store, 8 bags makes about a gallon and it’s better for you! Gather some water bottles and fill them with tea, freeze and you'll have a weeks worth to take to class in no time. The only beverage that I say go ahead and buy is Milk, you need the calcium and vitamin d.
LAUNDRY
Go through your closets. Can you remake, revamp or recycle some of your clothes? Change buttons, hand embroider over holes or stains, crop jeans with a frayed hem, add a new colorful hem and mend anything that has a dropped hem, broken zipper, or missing button. Sell anything you’ve outgrown, no longer wear, or just don’t need. IF you feel you need something new. See if you can find a “Dress for Success” chapter in your area. They have interview appropriate clothing free for those who qualify. Google them to learn more. Otherwise check out the thrift shops and second hand stores. Fashion trends are only cool if you can afford it… so look for classic lines and good fit instead.
While I'm on Laundry. Make your own laundry detergent, by saving and grating the slivers left over bath soap, google "home- made laundry detergent" for recipes. Hand wash your clothes, hang to dry over the heater or outside if you have good weather. Drying inside humidifies your home and makes it feel warmer. If you feel that is too much work, consider this... a typical top load washer uses 40 gallons of water for each full wash load. You can hand wash in a 5-gallon bucket, rinse in a 5-gallon bucket then use the rinse water to wash the next batch. This helps if you pay for your water and it certainly keeps you from paying $$ at the Laundromat. Save heavy items like adult jeans, towels, bedding for the machines. And with a little one, you’ll save a lot just washing baby clothes by hand.
ENTERTAINMENT
Use your expensive DSL internet connection for your TV watching and movies. Hulu is completely free if you stay away from plus version, and most TV sites have full episodes on their sites as well. If you can save enough on your other bills, you might consider Netflix streaming service at $7.99 a month.
For local channels, make your own TV antenna, search youtube for “coat hanger HDTV antenna.” You can make one that works quite well from scrap lumber, wire coat hangers, a Balun (found at Radio shack or the $1 store) some washers and screws…. You would be surprised how many free TV channels are available over the air. I get 30 channels on my coat hanger antenna!
Redbox: Go to their website and sign up, they send out a code for a free rental occasionally.
Google “full episodes” and be amazed about how many tv programs are online!
Continue to Reassess… and think about how you can save even more.
The hardest part is "thinking outside the box" all too often we think we "can't live without" something when reality it's just more fluff that fills our world with junk and bills. The fact is you can live without most of what our western lifestyle has burdened us with. As a point of fact, not so long ago our ancestors had three sets of clothing. Two sets of everyday clothes, which were washed after the second wearing and dried by the heater over night (usually Friday or Saturday night) And a "Special" set which was worn on Sunday to go to church or for special occasions. People took a bath once a month and the rest of the time they washed out of a basin, doing a sort of "spit bath" washing their face, hands, underarms and bottoms... in that order! And they washed their hair once a week in a basin too. Now I'm not suggesting you go that far it is just something to think about while reassessing your needs.
Finally, learn and live the words "I can't afford it!" and "I can make that myself!" Part of what got us all in this mess was allowing others (other countries) to make it for us.