Posts Tagged ‘save money’

Another money saving lunch idea

Another money saving lunch idea.

If you happen to decide to splurge and either go out for dinner or just order out, remember that you have to pack your lunch for work tomorrow.

What I mean is, when you decide what you want, many places will increase the amount of food you get for just a little bit more in price.

The extra quantities they give you are usually well worth the increase over the normal priced selections and usually more food than most people will eat.

So just remember when ordering that you want leftovers for tomorrow’s lunch and order the larger portions. Then when your meal comes simply ask for a carry out container and split it right there into two servings. Or if it was delivered simply split it at home yourself.

Now you have your lunch all set for the next day and remember, this works for each family memember equally as well and ends up being quite a money8 savings and a tasty lunch las well!

My personal favorite food to pickup and pack the leftovers for the next day is KFC ! A couple three pieces of chicken, some coleslaw and a biscuit or two is one of the best lunches that I treat myself to. Gosh I love that tasty chicken skin, there isn’t anything better in the whole world, Yummy!

Kids love it to!



Misleading Black Friday Ads

November 22, 2009 Leave a comment


Welcome Bargain Hunters, Just make sure that you read those great Black Friday, Day after Thanksgiving deals over very carefully and scour the whole ad flier, even the fine print, because you just might find something printed like this:  Limit three per store, Limited quantities, While supplies last, No rain checks, Available between 6A.M. and 7A.M. only, or some other wording that means that you probably won’t be getting that big deal unless you are one of the very first in line!

You have to watch all the ads for this very carefully, or else you may end up, getting up very early just to end up shopping around until you find a deal that may not be as great, but you will still be happy with. Besides you  may find a good deal in another paper that you might not have to camp out for or possibly get stampeded to death, like a store had happen in the past, because the deals were so great and limited.

Most of the stores will have limits and exceptions, especially on the bigger, more expensive and popular items. It is a very deceitful business practice. Like I said before, most of them will offer other similar deals that aren’t quite as good, but if you settle for one of those, you will be driving home happy, at a more reasonable hour and not mad, with or without a rain check in your hands.

It’s also been said that some stores give out the rain checks without ever planning to honor them, or they plan all along to give you something comparable to the original item, which you may end up not liking! It could also take weeks and months of phone calls just to find that out or get the replacement item.

Just remember, most stores do have very good secondary deals in the same ad fliers that last for the whole day or for several days, so you might want to sleep in this year and go out later, after the crowds thin down. Sometimes settling for less is worth a lot more!

So be careful all you deal hunters out there, as for me, I will be sitting in my jammies with my family on the big comfy couch, by the TV, sipping a cup of coffee and eating warm cinnamon rolls, fresh from the oven, while I watch the coverage on the morning news. I shop leftover and closeout deals only.

P.S. If you do happen to know one of those Early Black Friday shoppers that are going out for that big deal and there is a limit of at least two per person, you could ask them if they would pick one up for you! Then you can come over and sit on the big comfy couch in your jammies too! I’ll save you a cinnamon roll but keep your hands off the changer!


Save by Cutting out the Unnecessary Things.

Cut out all the really unnecessary items that you do not need to live or eat, like cigarettes and pop for example.

By eliminating those items we can save a lot of money over a years time. To help you do this you can switch to cheaper store brands or something else like kool-aid or lemon-aid with just a little sugar until you break your need for the item.

Smokers can switch to the cheapest brands while trying to quit. You can even switch to pipe tobacco and roll your own which is more of a savings.


bornbakwrd said…

I stopped buying soda (Pepsi) and started brewing iced tea at home. I get about 30 quarts of iced tea for about $4 (including the cost of sugar) as opposed to the $1.25 (or more) that I used to pay per 2 liter bottle of Pepsi. From time to time I will pick up a 2 liter of soda, but not very often, and I’ve saved nearly $60 per month….and that’s just on beverages.


Going Green affects everyone more than we think. It affects each of us individually by keeping more of your hard earned cash in your pocket and saves the Earth from Global Warming at the same time. Win Win.

It’s about saving Energy! There are literally hundreds of things that we can do to save energy and keep that money for ourselves. So try a few on the list here, and start saving! Remember, for more money saving ideas of other kinds, visit our other categories!

#1  We all know this one but have we done it yet- Change your old light bulbs with the new florescent type. Prices are really dropping fast on this item. You can get a 4 pack at Target for $8.00, that’s not bad considering they were $10 – $20 a bulb just a couple years ago.

bornbakwrd commented:

I hadn’t thought about that. I have some of those new bulbs however they don’t seem to put out enough light. Do you know if they make them brighter now too?

Bankrupt No Option said…

They do come in different wattage’s. Look for a spot on the package that matches the new lower watt number to the old higher watt number the bulb is equal to. The new 23 watt = the old 100 watt bulbs and the new 13 watt = the old 60 watt bulbs, as for the rest you have to refer to the package or check out the following chart in the link below. REMEMBER to always look at the light fixture inside and out for a tag ( it may be very small and hard to notice or read ) that says the “maximum watt lamp” for that fixture for the old style incandescent bulb. NOW make sure the new bulb is not equal to an old watt number that is higher than what is on that tag on your fixture, or you could have problems, maybe even a fire!!!! and never use them in recessed lighting cans unless it says on the package that you can!!!

Here is a couple of links to some great information about compact fluorescent bulbs.


  1. —–Caulk and insulate air gaps around all your doors and windows. Everywhere your old caulk has a crack, it is a leak.
  2. —–Don’t forget that weatherstripping around the door frames and under the door. It needs to seal out all the drafts. Replacements can be found at your local home center.
  3. —–Go around your house and seal up any cracks, holes, or gaps around anything to stop air penetration. Your local hardware can advise you of what to use (caulk or spray foam), so tell them what you found and what you are trying to seal.
  4. —–Remove all of your floor moldings when painting a room with an attic above it and use window and door foam spray insulation in the gap under the drywall behind where the moldings go. When the foam dries just cut it off with a little knife or saw then reinstall the moldings. This will stop all the drafts that come down the inside of the walls that sneak out from around the moldings. It’s works to help eliminate bugs and spiders too.
  5. —–When replacing floor moldings after painting or redecorating, caulk around the moldings after reinstalling them, to seal out all drafts.
  6. —–Properly weatherstrip all of your exterior doors and windows and don’t forget the garage doors and windows if the garage is attached to your home.
  7. —–Dial down the thermostat a few degrees when you are gone. More when you go away for vacation.
  8. —–Dial down the hot water tank to low or Vacation setting if leaving for more than a day. Remember to turn it back up when you return.
  9. —–Don’t forget to turn off the water valves to the washer also. It will stop the hoses from possibly bursting and flooding your home while you are away. That will save you big bucks.
  10. —–Find some flue heat radiators to place on your water tank and furnace flues. They help radiate some of the heat that is lost up those pipes back into the room.
  11. —–Use lower watt light bulbs in areas where you can. A 40 watt reading lamp next to your favorite chair will save you from turning on the big ceiling light that lights the whole room.
  12. —–Just lowering the wattage of the bulbs in your home will cut the heat produced and save electricity for everyone.
  13. —–Carpool or get a ride with a friend to save on gas.
  14. —–If you have a close friend or neighbor that you see often, call each other and let them know when you are going somewhere or to the store, because they may go with you or have you pick something up for them and bring it by, since you probably were going to see them later anyway.
  15. —–Keep your fridge and freezer as full as possible, this cuts down on run time. Use 3/4 full plastic jugs of water to take up the empty room.
  16. —–Place a small brick or a doubled Ziploc full of rocks in your toilet tank (a pop bottle full of sand works also) and keep the kids out of it! Make sure it doesn’t interfere with any moving parts by watching it flush a couple times while the top is off. You will save gallons on your water bills over time.
  17. —–Try using a toaster oven or a microwave for cooking small things, this keeps your big oven for the larger meals and will save on gas or electricity.
  18. —–If the evenings are nice where you live, spend an hour or two just past sundown sitting on the porch or in the screen room and keep all the lights and TV’s off inside the house. You will relax and save energy at the same time.
  19. —–Installing a whole house attic exhaust fan or place a fan on the shady side of your house in a window or door and place another fan in a room on the other side of the house blowing out. On nice days this will cut down on air conditioning bills.
  20. —–Use reusable food containers and start watching the food bill shrink.
  21. —–Land scape your home with trees that loose their leaves in the fall (remember to clean out your gutters after the leaves drop). The object here is to shade the house as much as possible in the summer and when the leaves drop, off the sun will shine through in the winter. This is a big energy saver! We lost our two Ash trees to the Emerald Ash Borer and our A.C. unit runs constantly all summer now! Talk to your local garden center about your plans. Describe your home and the direction it faces to them so they can recommend the proper trees and how far away from the house to plant them. Remember not to plant a tree over your houses buried sewer or water pipes because you may end up with big trouble in the years to follow! TREE ROOTS LOVE PIPES!
  22. —–Save misprinted copy pages in a box for kids to color or write on, if there’s nothing personal on them or cut them in half and place them in a shallow box with a pencil on your counter to use as note paper. Just remember to shred any misprints that contain personal info.
  23. —–If you have an unfinished basement or crawl space make sure the insulation is installed between the floor joists. This lets you turn down the basement air vents, while still having a comfortable floor upstairs.
  24. —–In a basement go around the foundation inside and loosely stuff some foam insulation back in between the floor joists and the brick or walls.
  25. —–Go through your whole house, even the cabinets, and anywhere you see a water pipe than insulate it, especially in your crawl space if you have one. The home centers sell all sizes of slip on insulation that can be cut to length with scissors and installed in a few minutes. This saves a lot and helps the hot or cold water get to the sinks faster.
  26. —–Use area rugs and throw rugs on all levels around the house wherever you can. They help keep in the warmth or A.C.
  27. —–Now don’t forget to seal your air ducts with the proper sealing materials so there are no more air leaks.
  28. —–Then insulate your ducts all around all of them. Check with the home centers on the products for these jobs.
  29. —–Now if you rarely use your basement or you don’t mind it cooler, just close off the vents down there. This will save you money all year around, especially in the winter on your heating bill because you just cut the square footage of space being heated or cooled by half the size of your home.
  30. —–Something small that you wouldn’t think would make much of a difference at all, is to hang a curtain or install a basement door and keep it closed in the winter, and summer. Basements are naturally cool.
  31. —–Also closing the vents half way but not all and keeping the doors closed to unused rooms will cut the cost of heating and cooling a lot.
  32. —–Don’t forget about those little foam pads that you go around and put behind the outlet cover plates of any outlet that’s on an outside wall of your home. They really do help stop drafts.
  33. —–Remove your heat registers from the wall and caulk the gap between the metal duct and the drywall opening. This will make sure that all the heat and cool your furnace blows out, goes into your room and not back into the wall.
  34. —–One more thing wash or replace your furnace filter as recommended in your furnace manual.
  35. —–Also remember to dial down that hot water heater to a middle setting on the dial, and wrap the tank with a good water tank blanket from your local hardware or home center. Make sure you follow the instructions on the package or ask at the store for help!! You don’t want any fires!!
  36. —–Don’t forget to clean out the dust from the refrigerator coils every month or so. You know the things either on the back or underneath that look like a weave of small tubes and metal fins. You may need to remove a small panel to see them so check your manual. Buy a brush specifically made for this job at your home center and do it very gently. This will save you energy and extend the life of your fridge. (clean everywhere you can see!)
  37. —–If your attic insulation measures 6 inches or less, consult your local home center about ways to add insulation to what you have and you will not only recoup your costs, but it will pay you back as long as you own the home!
  38. —–Don’t forget the wall insulation, this can be added also.
  39. —–If your hot water tank is old and won’t last much longer, check out a new instant or on demand hot water unit. They are expensive to install but they not only last twice as long as a standard tank but they save on your energy bill also. This is another item that saves you more the longer you use it.
  40. —–Remember to buy appliances with low energy star ratings, and look into a more efficient furnace when the time comes to replace the old one.
  41. —–Get rid of that extra fridge or freezer in the basement or garage. You know, the old one that was to good to throw away when you bought the new one. That old one was an energy hog, so go buy a new one that’s low energy rated and a little smaller.
  42. —–Then when you have a large gathering use a cooler and ice for the extra beverages!
  43. —–Double pane windows on your house or even solar film applied to the windows will cut your energy bills also.
  44. —–Remember in the summer to keep your shades, blinds, or curtains closed in the rooms that get sun. This helps the A.C. unit to cool your home. Open them on sunny winter days.
  45. —–Also take a look at your owners manual on how to keep your outside A.C. coil clean, especially after you see the cottonwood tree fuzzies are done blowing around. Cleaning the coil regularly will give you the most efficiency from your cooling system and save you big bucks.
  46. —–As far as running a household window air conditioner, those need to be cleaned at least once a year also and I’m not just talking about the inside removable air filter if it has one. Find out from the manual or a small appliance dealer how to do it and they will run twice as good and will have a much longer life.
  47. —–Mount a window Air Conditioner in a window that gets more shade during the day, it helps keep it cool.
  48. —–Shade your outside A.C. unit with bushes or shrubs at least 3 feet away from all sides. Keeping the unit shaded will save money and make it work better.
  49. —–Paint all of your A.C. units white outside. That will reflect the sun and keep them cooler.
  50. —–Cover your window A.C. units in the winter to keep out drafts, seal the cover tight to the house.
  51. —–If you love to decorate for the holidays, Wrap the face of your Window A.C. units inside to make them look like a package with a bow or ribbon across the face. This not only makes them festive and gets your friends commenting, but it cuts the drafts as well.
  52. —–Seal the gaps around any pull down stairs with weather stripping or caulk around the edge.
  53. —–Here is an easy way to add insulation to those pull down stairs. Get a two inch piece of rigid foam insulation from the home center and cut it a few inches bigger than the opening framework above. When you pull down the stairs simply push it to the side as you are going up and when you are climbing back down pull it back over the opening. This will cut the transmission of cold air through the wood door, making the living space below warmer, and it’s so light a kid could move it.
  54. —–Now if you really want to cut back on your energy bill and the worlds oil consumption, then simply follow the ways of the past.
  55. —–Wash dishes by hand.
  56. —–Hang clothes on the line to dry. You can do this indoors, outdoors, or both.
  57. —–Wash your cars with the old bucket and rag.
  58. —–Use an old rotary push mower for a small lawn.
  59. —–Shovel instead of snow blow.
  60. —–Use a good hand can opener or hand mixer, or chopper if you don’t have much to do.
  61. —–Edge your lawn with a push edger.
  62. —–Trim a few small hedges with manual hedge clippers.
  63. —–Open the garage door by hand.
  64. —–Close the gate manually. It all boils down to eliminating electric and gas powered items, period. Simple Hey.
  65. —–Now Ride your old ten speed to the store the next time you need to pick something up and who knows, after doing all the above things manually also, you might even be able to save yourself some more money by dropping the gym membership, because you wont need it any more.
  66. —–Install Awnings over you homes windows. they will keep out a lot of the summer sun.
  67. —–Add awnings over porches also, the more your home is in the shade the less money you spend on energy.
  68. —–Install motion sensing switches in rooms where you enter and leave within an hour. They usually can be adjusted to turn off the light automatically in the amount of time you set. These are especially useful if you have kids or others that frequently forget to turn off the light when they come out of a room.
  69. —–Place large bulky furniture or tapestries against the outside walls of your home are another good way to use the things you may already have to insulate your walls further.
  70. —–Use solid doors on closets that are against an outside wall of your house and always keep the door closed. This will make the size of each room you are trying to heat just a little bit smaller. Why pay to heat the junk in your closet with the air that heats your rooms. Same goes for cabinets on outside walls also.
  71. —–Close your fireplace and wood-burner dampers in the winter, but remember to open them back up when you build your next fire or you might get smoked out of your house.
  72. —–Don’t forget to put up those storm windows in place of those screens, and if you have shutters, use them on the windows you mostly keep closed in the cold weather anyway. But don’t permanently attach anything to block a window in case of fire.
  73. —–Install those clear plastic window film insulation kits over your windows in the winter for that extra air barrier against the cold air and the drafts you might have missed while caulking.
  74. —–Go Gas Powered Green! Anything you have with a motor in it can waste gas. Keeping your cars and mowers tuned up properly and keeping the tires inflated to the proper pressure will lower the cost of gas to run these items, Possibly saving you hundreds a year. Even fuel injected cars need regular tune up parts to keep them running their best so they can give you the gas mileage you expect.
  75. —–Our weed whippers and mowers will all do a good job at a lower speed. Cutting the speed while using them not only saves you money but it’s a lot quieter and pleasant to your ears while doing so. I have cut my mower and weed whipper speeds down considerably to where they still work just fine and now a tank of gas lasts two weeks instead of one. That just cut my gas bill for yard maintenance in half.
  76. —–Also running your motors at a slower speed, like driving with easy takeoffs (no hot-rodding) and pressing your foot down like there was an egg between it and the gas pedal that you don’t want to break, will save a lot of gas. ( Someone I knew drove to Oklahoma from Michigan and cut their gas bill by almost 25% by driving like that. ) It will save you money overall because these items (motors) tend to last longer when you don’t abuse them so you will have them longer.
  77. —–If only you are cold than instead of turning up the thermostat go put on a sweater, snuggie, robe, or blanket.
  78. —–Get everyone slippers. They keep your feet warm and the heat turned down.
  79. —–Use the new low flow shower heads, faucets and toilets, they are much better now than they used to be and will save big bucks over their life on your water bill.
  80. —–When cooking up those meals that use a big pot (stews, soups, etc.) cook enough to feed your family twice. Simply freeze half and now you have a meal ready to go when you are late getting home. Cooking in bulk quantities can save you up to 25% of your energy bill for preparing food.
  81. —–Use a crock pot whenever you can. There are many cook books full of crock pot meals and it not only makes cooking easy and tastes good but it will save you money also.
  82. —–Share some meals with a neighbor or friends and family. Just one kitchen going at a time will save you all tremendously. You can all pitch in on the cost of the food.
  83. —–Buy fruits and vegetables in bulk.
  84. —–Farm markets sell in bulk and if you learn to can, you can save from buying all those expensive canned goods all winter long. Have a canning party with your friends and share the cost.

Going Green is easy and is doing anything that saves you money while being good for the environment at the same time! It’s Simple.

Some people can afford to waste energy because of their income, and others have to do what they can just to get by.

However we all need to realize that our energy resources won’t last forever and that our grandchildren and great grandchildren will need some too.

Wasting energy is not a status symbol. Saving Energy by Going Green is now becoming the new way  to keep up with the Joneses’ and to show the world that you are a trend-setter and that you are doing your part.

Go Green America. by/ Bankruptnooption.

This One Says It All!