Frugality Archives — Beating Broke

Creative Dating Tips When Broke

August 17, 2020 By MelissaB 1 Comment

When my now husband and I first started dating, I was a graduate student, and he was an undergraduate. We were both broke, but we didn’t let that stop us. We spent nine months mostly going on free dates before we became engaged. If you’re short on cash, don’t let that interfere with your dating life. Instead, follow these creative dating tips when broke and go out and enjoy life. Who said dating has to be expensive?

Free Date Ideas

You may be under the misconception that dating is expensive, and it can be—if you let it. But there are still fabulous ways to spend time together that are free or cost very little and are fun.

Scenic Drive

Why not take a scenic drive and explore the area around you? This is my favorite activity when the leaves are changing in the fall, and the scenery is gorgeous. But a scenic drive can be fun no matter the season.

Free Performances

If you live near a college town, see if they have any free performances. Colleges frequently have free music concerts. Some towns also have free plays in the summer or free movie viewings outdoors in the park.

One of our regular summer dates was a music concert the college held every Wednesday night. We got to spend time together, listen to good music, and, best of all, not spend any money!

Trip to the Beach

You can hit the beach for some daytime relaxation and fun. Or for a more romantic date, try going to the beach an hour before sunset. There’s nothing better on a summer night than walking the beach, feeling the cool breeze, and watching the sunset.

Hike

Hiking can give you a chance to see how adventurous the other person is and to see how he or she handles difficult situations, if you take a more challenging trail. Or, you can opt to take an easier trail and just have fun seeing the scenery and spending time together in nature.

Geocaching

Take your sweetie on an adventure. Using GPS, find the nearby coordinates and the treasure that someone else has hidden. Geocaching is a free treasure hunt that some people are almost cultish about. This is a fun way to spend an afternoon.

Cook Together

Creative Dating Tips When Broke — Photo by Toa Heftiba on Unsplash

You both have to eat, so why not cook together? This activity gives you a chance to see how you work together as a team and delegate responsibility, plus you get to eat something that’s (hopefully) tasty after all of your hard work.

If you do have a bit of money to spend, you can make cooking together more of an adventure by buying a meal kit like HelloFresh. If you can’t afford that, Blue Apron has all of their recipes online for free. Just buy the ingredients you need.

Eat2Explore has boxes that include recipes for three meals from another country. The box includes directions, the sauces and spices you need, and a little bit of information about the country. You supply the ingredient. We’ve used several of these boxes and really enjoyed trying foods from other countries.

My husband and I cooked together at least two or three times a week when we were dating. We both still like to cook, but now we take shifts—one cooks, one does the dishes. We figure when the kids are grown, we’ll have more time to cook together like we did when we were dating.

Star Gaze

If you live in the country, there’s something so romantic about putting down a blanket, lying together on your backs, and watching the stars. Of course, it’s fun to find constellations, but many times, if you stay there long enough, you can even see a shooting star or two. Plus, the stillness and the beauty of the night sky make for a very memorable date.

Go to a Museum

Many museums have one or two days a month when admission is free. Just be prepared that if you go during this time, the museum will likely be packed.

Some libraries also offer culture passes. These can be checked out and used for free admission to museums in your area. If you use these, you can go for free without dealing with the overcrowding that the one free day a month usually brings.

Low-Cost Dates

While the free dating tips when broke can supply you with many great dating ideas, there may be times when you want to go out and spend a little money. These fun date ideas don’t cost much money.

Go Out for Dessert

While getting an entire meal together at a restaurant might be a bit pricey if you’re broke, you can share a dessert for a fraction of the cost. For example, a Caramel Apple Blondie from Applebee’s is only $6.99. Or, their Brownie Bite is just $1.99. Plus, many of these desserts are so large, they’re like a meal in themselves.

Coffee Shop

Going to a coffee shop can be the perfect, intimate date. You can chat and focus on one another while sipping a beverage.

If you’re bookworms, you could get your drink at a bookstore coffee shop and spend an hour or two perusing good books and discussing them. My husband and I loved this type of date. We frequently went to coffee shops from the start of our relationship until after our first child was born.

Paint Together

Though you’ll have to pay for the supplies, that will likely be the only expense when painting together. If you’re both artistic, you could try to paint on your own with no direction. However, if one or both of you are artistically challenged, there’s no shortage of YouTube tutorials to watch. For instance, you can now find many of the PBS Bob Ross tutorials on YouTube.

Final Thoughts

There’s no reason why being short on cash has to kill your love life. If you use some of these creative dating tips when broke, you can continue to enjoy spending time with your romantic interest in a way that doesn’t leave you with even less money. The most important aspect is being together. Doing that doesn’t have to be expensive or boring.

Now Is the Perfect Time to Increase Your Pantry

June 1, 2020 By MelissaB Leave a Comment

In the first few months into the global pandemic, you might have had trouble finding the food you prefer to eat. However, now that the supply chain issue seems to have eased, finding the particular food you want to eat is easier. That means now is the perfect time to increase your pantry.

Why Now Is the Perfect Time to Increase Your Pantry

There are several reasons why you might want to consider increasing your pantry goods now.

You Should Have at Least a Two-Week Supply of Food

If you do happen to get COVID-19 or get exposed to it, you will likely either be unable to leave the house or need to quarantine for 14 days. That means you should have at least that many days of food in your home because you won’t be able to go to the store.

Keep a Stock of Specialty Foods

If you have food allergies or intolerances, having an ample pantry is even more important. For instance, if you can’t have gluten or dairy, there are many items you can’t eat. You can’t go to the store and buy whatever foods you may find on the shelf as other people can.

Take the time now to stock up in case there is a supply shortage later.

The Supply Chain May Be Broken

Now Is the Perfect Time to Increase Your Pantry — Photo by Annie Spratt on Unsplash

In our city, the local UPS hub has nearly 50 cases of coronavirus, and the union wants to temporarily shut down the hub. Like many people, I’m trying to avoid going to the store by buying items online. Now, if our UPS hub closes for a few weeks, I won’t be able to get many of my orders. Having a pantry and freezer full with enough items to feed my family for a few weeks or a month gives me peace of mind.

States May Shut Down Again

No one knows what will happen in the future. If cases of the virus continue to climb, government officials may have no choice but to shut down the states again. If that happens, there may be another run on groceries as there was the first time the states started to shut down. You don’t want to be in the same position you were in March when there were very limited groceries to buy and the shelves were bare.

How to Stock Up

Of course, you don’t want to be a hoarder. Be prudent and fill your pantry and freezer with enough food to last for a few weeks.

If you don’t have a lot of extra money in your grocery budget (and who does right now as the price of groceries continues to rise?), stock up little by little. Maybe one week buy a few extra pounds of beans. The next week, buy a few extra cans of veggies and fruit. Each week that you do this, you’ll be expanding your pantry. In addition, you won’t feel the financial hit as much as if you bought everything in one week.

Final Thoughts

Having a full stocked pantry is always a good choice, even in normal times. In the time of a pandemic, which we currently face, now is the perfect time to increase your pantry.

4 More Ways to Save on Medical Bills

May 18, 2020 By MelissaB Leave a Comment

Previously, we talked about four ways to save on medical bills. Most of those techniques involved ways to delay or forego medical expenditures. However, sometimes medical care is necessary, and in the case of a major injury or mental health crisis, the amount you spend on medical care can be large and sudden. When faced with large medical bills, you may feel discouraged and overwhelmed, but there are still 4 more ways to save on medical bills.

Offer to Pay Cash for a Discount

If your large medical expense is not the result of an emergency that requires immediate attention, you may be able to offer to pay cash for the procedure in exchange for a discount.

When a woman is planning to have a baby at a certain hospital or birthing center, she can often negotiate for this type of discount, for instance. By paying cash, she saves the hospital the trouble of going back and forth with insurance. Therefore, the hospital may gladly give a discount.

Negotiate with the Provider

Another option is to negotiate with the provider. Julie’s insurance didn’t cover psychologist appointments, so when her son needed therapy, she negotiated with the provider. While the rate to see a more experienced psychologist was $125 per hour, she was offered the chance to have her son see an intern for $50 per hour. The intern was supervised by one of the experienced psychologists. This helped Julie feel comfortable going this route.

Create a Payment Plan with the Provider

4 More Ways to Save on Medical Bills — Photo by H Shaw on Unsplash

If you are facing medical bills in the thousands or tens of thousands of dollars, make sure to not only negotiate with the provider, but also to ask to go on a payment plan. When my children had orthodontic work done, I paid a down payment and then took advantage of the orthodontist’s payment plan. I paid the same amount for 18 months, and the orthodontist charged me no interest.

Hospitals and other medical providers may offer you a similar type of payment plan. Many will provide these payment plans free of interest, while others do charge some interest. Make sure to get your payment plan in writing. If your financial situation changes, contact the medical provider so the arrangement can remain in good faith.

Seek Assistance

If you or a loved one is facing long-term medical expenses, research, research, research. You may find organizations that can help you pay for the services you need.

One of our children was diagnosed with high functioning autism a year ago. We have literally paid thousands of dollars out of pocket for services. However, even after spending that much money and seriously straining our budget, there were services like occupational and speech therapy that we could not afford. A friend told us about an organization that helps families like ours. We went through a lengthy application process and were approved. Now our child is receiving speech and occupational therapy at no charge to us.

Similarly, a family friend’s husband had a catastrophic stroke from which he’ll never recover. She found an organization that will help her pay for her husband’s long-term care. This is something she desperately needed because her husband will be institutionalized for the rest of his life.

High medical bills can be overwhelming. However, there are 4 more ways to save on medical bills that you can use to get the help you need and to reduce the amount that you need to pay.

Have you faced high medical bills? If so, what strategies did you use to remain financially solvent while paying your medical bill obligations?