Are money-saving tips unhelpful to people who really need them?

This article on MSN was convicting: Too broke to save money?  Never Liz Pulliam Weston responds to a reader’s e-mail.  Jason Adair supports a family of three on $40k per year, and he finds most of the money-saving advice available — some of mine, probably as well! — quite unhelpful: “Please, spending $15 at Arby’s … Read more

Why yes, I AM Jenny!

Sometimes I get impatient with cashiers collecting marketing information.  It’s really not that big a deal in the cosmic scheme of things, but I’ve come to be a little more protective of my address, phone number, and e-mail address.  After getting $50 and $75 for targeting marketing surveys Borders has frequent drink cards (buy ten … Read more

A banquet of pennies

Scott Burns of MSN Money speaks on old-age poverty: Stave off old-age poverty The phrase that is the title of this post comes from 1963: The shopkeeper of a corner store in a slum looked at the kid and said, “Do you want to know what it’s like to be old?” He pulled a 2-pound … Read more

This really wasn’t worth it

I’ll go to quite some length to be frugal. $50 worth of bathroom tissue if it’s a really good price. Picking up change off the ground. Fixing the riding lawn mower, again. I questioned this one: Those little packets of coffee that the hotel gives you? The ones that might brew four cups of coffee … Read more

Free toys and priceless entertainment

Toys do not need to be expensive. They don’t even need to be cheap. They can be free! The ToobShooterâ„¢ Starter Set (click the picture to enlarge) consists of a batting tube (my wife quilts), my computer chair, a Folgersâ„¢ coffee can, a yellow golf ball, and a defunct trackball ball. Assembly time required: 8.7 … Read more

Starting a business without more debt

Sometimes people will take on debt to start up their businesses — from $7,000 up! If you already have debt, it doesn’t seem to make semse to take on more. Starting a business can be an avenue not only to debt reduction, but also to financial independence. There’s certainly a lot of effort to get … Read more

Cheapskates, 2005

I’m sure a lot of readers will remember Amy Dacyczyn and her Tightwad Gazette. If you’ve read her newsletters or the book, you can see why she calls herself the Frugal Zealot. Some of her money-saving tactics are generally applicable. Others you might get used to after a while. But some of them, you either … Read more