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Author Topic: are you a tightwad?  (Read 2737 times)
kathyp
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« on: July 08, 2010, 01:37:46 PM »

times are tough and bound to get worse.  how do you squeeze that last drop out of your paycheck? 

i just got a call from the bank wanting to sell me a service for ONLY 9.95 a month.  as the very nice lady listed all the benefits of the service, i realized there was not one thing on her list that i couldn't do for myself.  when she took a breath, i interrupted her.  i told her that one of the reasons i was a "very valued customer" was that i
Quote
didn't
pay people to do for me what i could do for myself.

so...i shop discount stores, clip coupons, hit sales.  we all probably do that.  what else do we do?

i don't, except on special occasions like traveling, ever buy coffee from places like Starbucks.
i have never taken a car through a car wash.
i don't buy clothes that need to be dry cleaned, and with the exception of my husbands dress uniforms, never use a dry cleaner.
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.....The greatest changes occur in their country without their cooperation. They are not even aware of precisely what has taken place. They suspect it; they have heard of the event by chance. More than that, they are unconcerned with the fortunes of their village, the safety of their streets, the fate of their church and its vestry. They think that such things have nothing to do with them, that they belong to a powerful stranger called “the government.” They enjoy these goods as tenants, without a sense of ownership, and never give a thought to how they might be improved.....

 Alexis de Tocqueville
tshnc01
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« Reply #1 on: July 08, 2010, 04:49:15 PM »

Great topic....Over the past few years, I have tried to be better organized which means fewer trips to stores at the last minute for things I should have on hand.  For example, every week my family makes a list of our dinner meals for the entire week and then we make a single trip to the grocery store.   

We also purchased a chest freezer a few years ago for the garage.  We store lots of cuts of pork and beef that we barter with our neighbor (they do not have a garden so we trade extra vegetables from ours).

We used to subscribe to Netflix but canceled it as we would let movies sit for weeks without watching them.

We rarely eat out.

Like Kathy said, try to do for myself instead of paying others.   Recently (without much automotive skills), I replaced the power steering pump in my truck.  Not only did I save some money, but what a boost of confidence (seriously)....


...Tim
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iddee
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« Reply #2 on: July 08, 2010, 10:03:47 PM »

Are you kidding? I'm so tight I can squeeze a nickel until the Indian kisses the buffalo's butt. So tight, I even squeak when I walk.   evil   afro
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"Listen to the mustn'ts, child. Listen to the don'ts. Listen to the shouldn'ts, the impossibles, the won'ts. Listen to the never haves, then listen close to me . . . Anything can happen, child. Anything can be"

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Keith13
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« Reply #3 on: July 09, 2010, 03:51:42 AM »

I am but the wife isin't but she's learning grin

Keith
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bigbearomaha
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« Reply #4 on: July 09, 2010, 07:26:16 AM »

I don't know if 'tight' is the word so much as as being very aware of value.
For example,  I do use netflix because in my house with three kids under 12, they go through movies like water if  I let them.  so they get very good value for the set monthly price and for the same number of movies in the same time frame,  I save lots of money compared to a 'typical movie rental place not having late fees, seeing the number of movies relative to the cost, etc...

Value is something that is unique to everyone depending on their habits and needs.

Like kathy I do most things myself.

The 'bad' thing to me about living in a service based society is that people become dependent on others to do things they should be able to do themselves.

If I can do it myself,  I do. I only seek service on things truly beyond my range of abilities.

Big Bear
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jgaito
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« Reply #5 on: July 09, 2010, 08:17:18 AM »

i got tired of fixed costs.   we dropped our land line after a year of me convincing my wife we didn't need it.   i told her to log every inbound call for a year and it was either someone that had our cell numbers or a telemarketer.   then i showed her that 30% of the phone bill was taxes.  the poor women at the phone company commented on how long i had the number and asked if my decision was because of the economy.  i told her the service was excellent but i was done paying any federal and state taxes i didn't have to.  i hope that comment got to the top of the ladder.   i dropped the XM radio but they got me back before the termination date by cutting the cost in half.   the eggs we sell pay for the feed and then some so the chickens don't cost me anything.   we both plan to drive the wheels off our cars until we have zero debt.  no more "toys", i have enough guns and tools.    in light of the current economy i have no problem describing myself as " a tightwad " and regret i didn't do it sooner.
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kathyp
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« Reply #6 on: July 09, 2010, 09:41:18 AM »

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i have enough guns and tools.


can one own enough guns?   evil

the phone is a big one!  because we make so many overseas calls we couldn't just go with the cells phone.  we switched to vonage instead.  we also skype a lot.  vonage saved us tons of money.  had the same experience with the verizon land line folks.  they were really put out about it.

value is a good word.  i do the same with netflix.  i also like to game a little, but i buy used games, and other than the original system i probably don't spend 50 bucks a year on games or equipment. 

jeans are expensive and on a farm you really go though them.  for 10 bucks i can buy new or nearly new jeans at goodwill if i am willing to sort through the rack.  last year i found a pair of Carharts with the tags still on them. 
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.....The greatest changes occur in their country without their cooperation. They are not even aware of precisely what has taken place. They suspect it; they have heard of the event by chance. More than that, they are unconcerned with the fortunes of their village, the safety of their streets, the fate of their church and its vestry. They think that such things have nothing to do with them, that they belong to a powerful stranger called “the government.” They enjoy these goods as tenants, without a sense of ownership, and never give a thought to how they might be improved.....

 Alexis de Tocqueville
jgaito
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« Reply #7 on: July 09, 2010, 11:55:57 AM »

Quote
i have enough guns and tools.

can one own enough guns?   evil

i used to think not.  i also thought there was no such thing as too much horsepower.   grin
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Vibe
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« Reply #8 on: July 09, 2010, 12:02:41 PM »

Quote
i have enough guns and tools.

can one own enough guns?   evil

i used to think not.  i also thought there was no such thing as too much horsepower.   grin
Ever figure up the HP of a high powered rifle? LOL. The numbers usually surprise the heck out of most people. (none less than 1000hp - most are well above that)
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lenape13
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« Reply #9 on: July 09, 2010, 12:07:05 PM »

No, we are not tightwads, we prefer "fiscally frugal".  We dropped our landline due to collection calls from the people who previously had the number.  We went with Vonage for a while, then switched to Magic Jack, only $20 a year.  Works fine.  Dropped the satellite because we're too busy to watch, went with netflix instead, and watch the few shows we like on our computers, $9.00 a month.  I try to work on my own vehicles as much as possible, as well as fixing anything else I can.  We reuse and recycle as much as we can.  I'm putting up a greenhouse for Pam soon, followed shortly by a two-room root cellar.  (The greenhouse I got for free, just had to haul it home.)  Everyone in the neighborhood works together on projects, so in reality, I probably do have enough tools, they're just not all in my garage, just have to roam around the neighborhood until I find what I need...LOL.  Neighbors took out a sandbox made of pressure treated lumber, it suddenly found new life as one of my flowerbeds.
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luvin honey
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« Reply #10 on: July 09, 2010, 01:01:32 PM »

To the original question: Big time!

Beekeeping is the first hobby I have taken up that is not paying for itself Smiley Otherwise, I do things that I make enough money off of to cover the costs and then some (basket weaving, soap making, meat and egg chickens, veggies, etc.)

We buy almost all our clothes at second hand stores. And, they look great!

Our car is 14 years old. We will drive it until it becomes too costly to repair.

We grow and put up a LOT of our own food. We have our own chickens for eggs and meat, same with turkeys. Husband hunts. We barter a fair amount for grains, beef and dairy. This saves us a lot of money.

If it can be made from scratch (can't it all?), I usually do, including buttermilk, butter, yogurt, etc. If it can be grown or foraged, we usually do. Then freeze, dry or can it. Make own soap, shampoo, laundry detergent, dishwasher detergent.

We rarely eat out. Most of our entertainment is free. Sometimes we spend on things as a treat for the kids, but we have the most fun doing things that don't cost money (taking walks, biking, swimming, doing our hobbies, playing games).

We just don't spend much on "stuff." Probably because I'm such a neat freak and cannot stand clutter.

So, yes, I feel pretty frugal. But it's all fun, saves the earth some wastefulness and saves us a load of money.
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lisascenic
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« Reply #11 on: July 09, 2010, 01:11:09 PM »

I try to be *careful* with my money.  We buy the best that we can afford, and make our things last as long as possible.  We don't want to contribute to the mountains of landfill.  We try to dress well, but don't chase after trends.  I work in construction, and I'm hard on my work clothes, but I do try to buy quality.  Although it's hard to find decent work shoes for women, I don't buy cheap shoes.  I've heard that older Americans have all sorts of foot woes, because they bought lousy shoes for so many years.  That's not a savings, is it?

We cook almost every meal we eat, but that's about pleasure as much as anything else.  We bake break almost every day.  We brew beer, and grow vegetables.  We subscribe to a local organic farm, because we believe in both supporting local businesses and organic practices.  Cheap processed food is not a savings, because you pay the price later in medical bills.  Diabetes?  Obesity?  We're trying to avoid these, if possible.

Unlike many Americans, I don't spend a lot of money on grooming.  I've never had a pedicure, nor paid anyone to sculpt my eyebrows.  This is de rigeur for many women, but I'd rather use my money for other things.

When the real estate market crashed (or corrected, depending on one's point of view), we were able to use our savings to buy a tiny 1925 craftsman cottage, which we are slowly restoring.  We are using as much architectural salvage as possible, and doing much of the work ourselves.  

We build a lot of our own wooden-ware, for beekeeping.  I'm going to borrow some extracting tools from a member of my local club, instead of buying.  Around here, there are "tool lending libraries" as part of the public library system.  How civilized is that?

And you know what?  I don't feel like a tightwad.  

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luvin honey
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« Reply #12 on: July 09, 2010, 01:35:53 PM »

Lisascenic--You reminded me about shoes!! I do NOT skimp on shoes. That's about it. Most everything else can be secondhand.

Ditto on the grooming  grin No hair cuts for me, makeup. Just nice homemade skin care products. No TV, cable, etc. I think that probably saves us a lot of money, plus the kids have no clue about all the things they could be whining for.
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The pedigree of honey
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Scadsobees
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« Reply #13 on: July 09, 2010, 04:12:32 PM »

I'm not a tightwad -- I'm environmentally conscious!   grin

not really....

With 4 boys, my younger 3 boys have only ever worn a new piece of clothing but extremely rarely.  My dear wife gets lots of clothes at goodwill and garage sales.  We both used to have a stigma attached to second hand stores until we tried them and just found them to be giant long-running garage sales!

When we want technology, we'll wait a year or two till the price drops, and can keep everything running that much longer since I know how to squeeze every cycle out of pc's.  No cable, but like Kathy netflix gives us plenty to watch.

Pellet stove and wood stove to keep the heating bills down.  Shop at Aldi's, eat lots and lots of casseroles, very rarely have any expensive meats.  Use our stuff (cars, clothes, bikes, any other stuff) till it's trash.  I give myself and the kids haircuts.  Try to keep outings cheap.  Camp for vacations. etc etc.  The kids are always jealous of all the other kids and their stuff (boats, pools, toys, handheld games, etc), but I did too growing up, and now I don't miss all that crap.

Rick
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Rick
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« Reply #14 on: July 10, 2010, 12:28:06 AM »

My wife has very often accused me of being "mean to myself", when we met I had a furnished apartment without frills or clutter (not even pictures on the walls) I had everything I wanted and needed and not one extra thing.  we have 'stuff' now, but I know for certain that if times get really bad I can manage fine.
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hardwood
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« Reply #15 on: July 10, 2010, 01:05:21 AM »

How the heck can you be a tightwad and raise bees at the same time? tongue I can go camping for two or three weeks with no provisions and eat better than I do at home. I've been raising organic gardens for as long as I can remember...just the way I was raised (was on the cover of "organic gardening" magazine when I was a kid as were my sister and brother( he was on twice)). I've (we've) given up the land line phone in favor of our single cell phone and haven't ever had cable tv. We still get around 20 channels for free and that's enough crap programming for me anyway. We trap and raise feral pigs for meat and fish our lake. I'm close to the Atlantic and the intracoastal waterway so there's never a shortage of clams, crab (blue), oysters, shrimp, and fish. I smoke cigs but roll my own for less than half the price. I'm actually thinking to put in a tobacco garden this fall to reduce that even further (of course I might just quit again grin). I've been making mead at the request of friends from any honey that happens to crystalize but am thinking on making beer again as I'm not a huge mead fan but love a beer or two. And I go out and "pick up" my own women eschewing the escort services (Peggy's gonna kill me now eh?) grin

Scott
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"In the first place, we should insist that if the immigrant who comes here in good faith becomes an American and assimilates himself to us, he shall be treated on an exact equality with everyone else, for it is an outrage to discriminate against any such man because of creed, or birthplace, or origin. But this is predicated upon the person's becoming in every facet an American, and nothing but an American...There can be no divided allegiance here. Any man who says he is an American, but something else also, isn't an American at all. We have room for but one flag, the American flag...We have room for but one language here, and that is the English language...And we have room for but one sole loyalty and that is a loyalty to the American people."

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« Reply #16 on: July 10, 2010, 09:32:50 AM »

When you look at our over all spending, I don't know if you could say we (the wife, my 3 year old, and myself) are so tight until you see what we get for the buck.   We do blow a lot of dough.   Going out to eat a lot!   But we both work hard and a lot.   Her schooling for her 3rd degree.  Her workouts, the kick boxing, private lessons, and the brazilian jiu jitsu.   There's a couple hundred a week just for sweating and bruising.  For me, I blow my dough on bee crap,  tools, and maybe ammo.  But we are to a point now where we can do this.   We saved and did without for years until everything was paid off.  People thought we were crazy for years.  But now in the 30's and we do now owe anybody.   If the checks don't come in, we can change a little and get by on makeing nothing.    We still heat with wood, and do not have those big spending items like most (new toys, boats, big vacations, and what not), but we are very happy with what we do have.   The quality of life is what's counts, not what you have.

My key point for the youth of America.  Do not spend it, if you really don't need to buy it.   Live on one paycheck and save the next one (or two).  Pay cash, don't borrow.   You do not need everything that your friends have.   You do not need the biggest house on the block or the nicest ride.   A paid off car drives a lot better than one with a note.   Same for the house.   The best part when you get to buy that new truck or car and the man wants to know how you would like to finance, you tell him that you just brought your checkbook!  We still do without somethings, but because we did it such to a point when we were younger, we can live the way we want to now.  And one day, I will be able to get the farm of my dreams, but now, it will have to wait a little.  I want to pay cash for it.   
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Jerrymac
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« Reply #17 on: July 10, 2010, 10:46:31 AM »

Ever figure up the HP of a high powered rifle? LOL. The numbers usually surprise the heck out of most people. (none less than 1000hp - most are well above that)

OK how do you get a horse to pull the bullet out of the gun that fast?
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« Reply #18 on: July 10, 2010, 01:57:28 PM »

I am not, but the wife is.  Lets be real... the only reason she lets me keep bees is because she loves honey and the extra money that it brings in.
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AllenF
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« Reply #19 on: July 10, 2010, 02:37:27 PM »

So just how do you figure the HP out of a bullet?  I can't find that web site.
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