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Products That Save You Money

March 8, 2021 By MelissaB Leave a Comment

Products That Save Money

Every year, there seem to be more and more expenses competing for our money.  But rather than spending money on disposable or one-use items, consider investing in some of these products that save money.

Around the House

There are so many products that save money for around the house!  This is only a small sampling of what is available:

Deep Freezer

Investing in a deep freezer can save you a significant amount of money because it allows you to buy foods in bulk when they’re at their lowest prices.  Using this method, you never pay full price for food.  Our family has a deep freezer, and we buy a ¼ side of beef every six months to one year.  We get a wide variety of meat at a much cheaper price than we could buying it retail at the store.

Just make sure to keep an inventory of freezer contents and rotate your foods regularly so nothing goes to waste.

Drain Snake

If you have a plugged drain, there is no need to call the plumber if you have a drain snake.  We have three girls in our home with long hair, and the drain snake has kept us from having to call the plumber more times than I can count.

Programmable Thermostat

A programmable thermostat allows you to reduce your heat or air conditioning when you’re not home and then automatically increase it 30 minutes or so before you return home.  This lets you return to a comfortable home.  Programmable thermostats can easily save you hundreds of dollars every year in energy costs.

Wool Dryer Balls

Wool dryer balls take the place of dryer sheets.  These balls only cost about $10 to $12 for a six pack, and they will last for months.  These are definitely much cheaper and more eco-friendly than buying dryer sheets.

Vinegar

Products That Save Money
Photo by Daiga Ellaby on Unsplash

Vinegar may be the item that saves you the most money on this whole list.  Vinegar can be used to replace so many cleaners and other items you may currently buy.  We use vinegar to clean our toilet and bathtub.  We also use it as a weed killer.

Food/Drink Consumption

Food is most people’s largest expense behind a mortgage/rent or a car payment.  But there are many, many products that save money in this area.

Coffee/Espresso Maker

If your Achilles’ heel is coffee, don’t run to the coffee shop every day.  Instead, invest in a coffee or espresso maker and make your brew at home.  (Plus, you’ll save time not waiting in line at your favorite coffee joint.)  The savings here are significant.

Herb Garden Kit

Buy a herb garden kit and set it on your window, and you’ll never need to buy fresh herbs again.  Not only does this save you the expense of buying herbs (that often come in packages to big to be used before they go bad), but it will also improve the taste of your food, which may make you less likely to go out to eat.

Bottle Emptying Kit

At first, this may seem like a silly purchase.  I regularly tip bottles upside down to try to get the remaining contents out.  However, frequently, bottles like dish soap can’t stand up when upside down.  Instead, they fall to the side.  As an alternative, attach a bottle emptying kit to the lid, and the stand holds the bottle in place while the ingredients run down for your use.

This kit can be used for condiments, oils, shampoos, hand soaps, dish soaps.  When you consider every item where you can use all of the contents instead of leaving a bit at the bottom, you will save money with a bottle emptying kit, though it may take years.

Female-Related Expenses

For female related needs, there are many ways reusable items can save you money.

Period Panties

Using period panties reduce the need to buy disposable tampons or pads.  While these panties cost around $20 each, they can be used for two to five years, if cared for properly, netting you a significant savings.  Plus, as part of the CARES Act, you can now be reimbursed for buying period panties by your FSA account.

Menstrual Cup

Likewise, a menstrual cup can be used for one to two years.  At $40, one of these could quickly save you money if you replace disposable tampons for it.

Reusable Bamboo Make Up Remover Pads

If you’re currently using disposable make up remover pads, consider switching to reusable bamboo make up remover pads.  You can buy a 20 pack for $3.99 on Amazon, and, according to Good Housekeeping, they can last you for over 500 to 1,000 washes!

Subscription/Membership Services

Some people adamantly refuse to pay money to save money when it comes to subscriptions and memberships, but I disagree.  Paying for these can be an excellent way to save money.

Amazon Prime

Photo by Christian Wiediger on Unsplash

An Amazon Prime membership costs roughly $130 a year (including taxes).  While that sounds like a lot, our family finds that the membership pays for itself in many ways.  Many other Americans must feel the same.  As of 2019, there are over 90 million Amazon Prime account holders in the United States (Fortune).

For our family, the free shipping alone covers the cost of an annual membership.  However, an Amazon Prime account can also save you money on entertainment—take advantage of Amazon’s free movies and TV shows as well as music, books, and magazines.

Costco

Costco is another membership-based company that can save you money.  We save a lot on organic food and foods that cater to our many food intolerances including almond milk, gluten free pancake mix, and other items.

In addition, their clothes are very reasonable, as are their restaurant gift cards.  Don’t forget their discounts on car rentals or their discounted gas.  Also, one of my favorites is their two year warranty and concierge service on products like computers and televisions.  There are many, many ways having a Costco membership can save you money.

Final Thoughts

While most of these products that save money require that you spend money up front, the investment is worthwhile for the amount of money you’ll be saving over the next few years.

What are your favorite products that save money?

Read More

Costco Can’t Be Beat for Large Purchases

Is a Costco Membership Worth It When Living Alone?

5 Ways to Save on an Amazon Prime Membership

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Filed Under: Frugality, Saving Tagged With: Amazon Prime membership, Costco, save money

Natural, Low Cost Flea Treatments

February 15, 2021 By MelissaB Leave a Comment

Low Cost Flea Treatments

When I was young and we had cats that were indoor/outdoor, we got fleas frequently.  My mom’s solution was to bomb the house and put flea collars on the pets.  I hated when we bombed the house because we’d have to seal up all of the food to make sure the chemical didn’t get in it.  Afterward, we’d have to do a thorough cleaning to remove all of the chemical.  The whole process didn’t feel safe to me, and I wished we had used natural, low cost flea treatments instead.

When I moved out, I decided that my cat would only be an indoor cat, and I’ve lived happily for 20+ years with nary a flea.  However, a family friend who was terminally ill recently  asked us to take in her cat.  I specifically asked if the cat had fleas because when I was petting her, I could feel scabs all over her back.  I was assured that she did not.

BUT SHE DID!

About two months after we adopted the cat, we saw a flea run across her belly where her shaggy, thick fur was thinner and white.  I was horrified!

After all my diligence, the adopted cat, our cat we already had, and our house had fleas!

I’m pretty “crunchy” and don’t like to use chemicals unnecessarily.  I certainly didn’t want to bomb our whole house as my mom used to do.

Natural, Low Cost Flea Treatments

Instead, I scoured the Internet obsessively for a few days before I started using a variety of natural treatments to rid our home of fleas.

Here’s what we did:

Initial Strategy

Give the cats a bath with Dawn soap.  Dawn soap is safe for the cats, but it kills the eggs and fleas currently on the cat.  We made sure to put a ring of soap around the cat’s neck so the fleas couldn’t high tail it up to the cat’s head, as they’re prone to do.

Salt the carpets.

Yep, you read that correctly.  Our house has carpet in the living room and three of the four bedrooms.  We bought 8 round canisters of table salt and generously sprinkled the salt on the carpets.  Ideally, you should leave the salt on the carpet for 8 to 24 hours.  Make sure to get the salt near the corners and baseboards where flea eggs and larvae may be hiding.

Why salt?  Salt dries out the flea, and it dies.  (There’s even a video on YouTube to illustrate this!)

There are a few warnings with this strategy—your cats (or dogs) shouldn’t be allowed on the carpet during this time.  Also, you’ll want to make sure to vacuum vigorously to get up all the salt so that it doesn’t damage the carpet.

Low Cost Flea Treatments
Photo by The Creative Exchange on Unsplash

Mop with essential oils.

I found many recipes online mixing essential oils with water to use to mop tile floors.  The oils repel the fleas.  I ended up using a variety of oils including Geranium, Tea Tree, Citronella Java, and Lemongrass.  My only complaint about this technique is that I’m sensitive to smells, and the essential oil smell was overwhelming to me.  Remember to mop all of the crevices, where the floor meets the baseboards, and the baseboards themselves.

Wash and dry all bedding on hot.

We didn’t wash the pillows, but we put them in the dryer on high for 30 minutes.  Everything else was washed and dryed.

Follow Up Strategy

After the initial blitz, we had several activities that we did every day for about three weeks:

Brush the cats with a flea comb.

This got out any fleas that may have jumped on the cats after the bath as well as the eggs the fleas might have laid.  I had a glass nearby with water and a dab of Dawn dish soap.  As soon as I put the brush in that, the flea died.

Bath the cats every three days.

Yep, our cats loved baths by the time this was over.  Not!

Vacuum daily.

We vacuumed thoroughly every day including all the nooks and crevices of the couch and the baseboards.  This is necessary to vacuum up any flea eggs before they hatch.  Make sure to do a thorough job and vacuum not only the carpet but the baseboards and any cloth furniture as well as in the cracks of the furniture where the cushions go.

Mop every other day.

We mopped every other day with the essential oil mixture.

Wash the bedding the cats are on every other day.

Low Cost Flea Treatments
Photo by CDC on Unsplash

Since fleas will be on the cat, you’ll want to pay special attention to their bedding and wash it every other day on hot and dry on hot.

Wash all other bedding twice a week.

An Easy Strategy in the Summer

If you live in a warm, dry climate, I discovered a very easy way to get rid of the flea problem once and for all.  We live in Arizona, and our air conditioner died on the 4th of July.  For three days, we had no air conditioning, and our indoor temperature reached a sweltering 100+ degrees.  Of course, we stayed in a hotel during that time, but when we returned home, our fleas were completely gone.  Fleas cannot survive in temperatures over 95 degrees.

I’m not sure how well this remedy would work in a humid environment.  However, it doesn’t hurt to try.  If you can go somewhere else, turn off your air and let the summer heat bake the inside of your home.  If you have a humidifier, set it to make the inside of your home as dry as possible while you’re doing this.  When you come home, your fleas might all be dead.

Final Thoughts

I’m not going to lie, this process was time consuming and a total pain.  Although these were natural, low cost flea treatments, they weren’t easy to do.  If you’re able, I’d highly recommend trying the strategy of heating up your house as high as it will go to kill the fleas.  That is definitely the quickest, most efficient method.  We are glad we avoided filling our house or our cats with chemicals, and we got rid of the fleas.

Here’s to hoping I never have to deal with fleas again!

Read More

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Filed Under: Pets Tagged With: fleas, pets

How Long Are Your Parents Financially Responsible for You?

January 4, 2021 By MelissaB Leave a Comment

 

 

How Long Are Your Parents Financially Responsible for You

From the time a baby is born until he is 17 years of age, experts estimate that parents will pay approximately $233,000 to care and provide for him (USDA).  That amount doesn’t even include the cost of college!  Parenthood is a lifelong responsibility, but the financial aspect has a definitive end according to the law.

How Long Are Parents Financially Responsible for You?

In the majority of states, parents are financially responsible for you until you reach the age of majority, which is 18.  However, if you live in Mississippi, the age of majority isn’t until 21!

Early Termination of Parental Responsibility

In rare cases, parents’ financial and legal responsibility can end early.

Termination of Legal Custody

One way this may happen is if the Department of Children and Family Services takes the children away from the parents due to neglect or abuse.  Parents are given time and classes to improve their parenting skills and regain custody of their children.  However, if they don’t change, their parental rights may be terminated.  In that case, they are no longer financially responsible for their children, but they also can no longer see their children.

Emancipation

Parents’ financial responsibility for you can also end if you become emancipated.  This can happen in several different ways.

Natural Emancipation

There are two ways you can be naturally emancipated.

Marriage

You will be naturally emancipated if you marry before the age of 18.  Of course, the age at which you can marry depends on your state, but only four states—Delaware, New Jersey, Minnesota, and Pennsylvania—don’t allow legal marriage before the age of 18.  The rest allow marriage at a variety of ages including as young as 13.  Once you’re married, your parents are no longer financially responsible for you.

Join the Military
Parents Financially Responsible for You
Photo by Jessica Radanavong on Unsplash

Likewise, you are eligible to join the military at 17.  If you do, your parents’ financial responsibility for you ends.

Minor Initiated Emancipation

In rare cases, a child can petition the court to be emancipated.  To successfully do so, a child must prove that he is mature enough and has the means to support himself.  While this doesn’t seem to happen frequently, there are plenty of child actors who have taken this step including Drew Barrymore who became emancipated at 14, and Macaulay Culkin who requested emancipation at 16.

Extended Parental Responsibility

In certain instances, parents’ financial responsibility for you may last longer than the age of the majority.  This may happen if you have a disability and your parents petition the court to be your legal guardian.  In order for them to be your legal guardian, they will need to prove that due to a disability, you are unable to manage your affairs.  If your parents become your legal guardians, they will ultimately make financial and legal decisions for you.

Final Thoughts

In general, parents are no longer legally financially responsible for you in most states when you reach the age of 18.  However, there are several circumstances where this legal obligation may end sooner or extend longer.

Read More

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When Should Your Child Get a Checking Account?

How We Save Money with Ting as Our Cell Phone Provider

Filed Under: Children, Married Money Tagged With: children, cost of children, family finances, parenthood

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