How to save $138 on your Cable bill? Just ask!

If you don’t have Comcast yet, don’t just call them and sign up. Be sure to get one of their own new customer sign-up deals, you can get $19.99 for 6 months, $75 in rebates, free wireless router,and cable modem! That’s well over $200 in savings.

If you’re already paying regular price for Cable Broadband Internet, then keep reading. I’ve been paying $42.95 a month for Cable Broadband Internet for the last couple of months after my initial sign-up offer expired. But after reading posts by Jim and Cap, I decided it was time to save some money:

1. Call 1-800-COMCAST
2. Enter Phone Number
3. Go to Billing Dept.
4. Ask for discount. Insert competitor’s deal here. SBC is offering 1 year for $14.95/month
5. Listen to them talk about how DSL is slow, they require a contract…
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Reasons Why I Don’t Like Craigslist. (Kind of a rant.)

You always see posts with people recommending Craigslist to sell your stuff at, or find a job, or even a mate. I’m not here to debunk that, I’ve sold lots of stuff successfully locally using Craigslist. But after some recent experiences, I’ve realized it’s definitely not perfect. Mostly, it can be such a huge waste of time. Why?

As a seller: Flakey people. I had to get rid of some baseball tickets, so I put them on Craiglist. I set the price fair, and got some offers immediately. Of course, all the emailers wrote “I’ll take them”, “I definitely want them”, or “Yes please please hold them for me, I’ll pick them up tomorrow/later/soon”.
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Crash Course in the Art of Couponing

Diet Coke SplendaI’ve mentioned Couponing before in passing. For those that aren’t familiar with it, it’s like a cult of grocery shopping that can save you tons of money. Here’s a quick example:

1) Visit this DietCoke.com link and click on ‘Print Coupon’ to print out a coupon good for 75 cents off of a 2-liter of Diet Coke with Splenda.

2) Find a store in your area that “doubles” coupons. That is, if you use a coupon for 50 cents an item, then they will give you double that, or $1, off instead. Here is a resource that provides a decent list of chains in each state that do this. Some places may require a coupon from their weekly newspaper ad, or only do it on certain days of the week.
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What Cars do PF/Money Bloggers Drive?

Here we are, all trying to either retire comfortably or be filthy rich. But what are we rollin’ in now? I just bought a 2002 Pontiac Grand Prix. It’s got a somewhat peppy V6, and is a great highway cruiser. My wife drives a ’95 Nissan. I’m always lookin’ at other people’s cars. So what’s everyone else driving? In no particular order:

Michael rolls in a ’95 Accord & a ’95 Nissan pickup.
Hazzard has a ’97 Toyota Tacoma pickup for his ride.

Monty Loree cruises in his ’03 Cadillac CTS.
Kate and her husband propel themselves in a ’03 Honda Accord and a ’04 Ford F-150.
MM motors in a ’02 BMW 525i and a ’00 Toyota Camry.
Savvy Saver tours in a ’01 Honda Civic EX coupe.
Murray traded in his “German sports car” for a “cheaper Japanese import”.
Flexo has a ’04 Honda Civic LX grocery-getter.
B is jeepin’ in a Cherokee.

…there’s more, but Blogger really needs to add search functionality! I mean, come on, it’s owned by Google! Anyways, my apologies if I messed up your car type, it’s late and I was bored. I just spent 30 minutes looking up synonyms for driving. And not very well. Post a comment if I missed you!

What Cars do Money Bloggers Drive?

Here we are, all trying to either retire comfortably or be filthy rich. But what are we rollin’ in now? I just bought a 2002 Pontiac Grand Prix. It’s got a somewhat peppy V6, and is a great highway cruiser. My wife drives a ’95 Nissan. I’m always lookin’ at other people’s cars. So what’s everyone else driving? In no particular order:

Michael rolls in a ’95 Accord & a ’95 Nissan pickup.
Hazzard has a ’97 Toyota Tacoma pickup for his ride.

Monty Loree cruises in his ’03 Cadillac CTS.
Kate and her husband propel themselves in a ’03 Honda Accord and a ’04 Ford F-150.
Pfblog motors in a ’02 BMW 525i and a ’00 Toyota Camry.
Savvy Saver tours in a ’01 Honda Civic EX coupe.
Murray traded in his “German sports car” for a “cheaper Japanese import”.
Flexo has a ’04 Honda Civic LX grocery-getter.
B is jeepin’ in a Cherokee.

…there’s more, but Blogger really needs to add search functionality! I mean, come on, it’s owned by Google! Anyways, my apologies if I messed up your car type, it’s late and I was bored. I just spent 30 minutes looking up synonyms for driving. And not very well. Post a comment if I missed you!

Forced Frugality – It is HOT in hurrrrrrrrrr….

Day 10 of this suffocating heat wave. If you are in part of the country which is mosty-toasty right now, you understand. Oh, wait. Only if you don’t have air conditioning like us do you really understand! Here is our advanced high-tech setup:

ghetto a/c
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I will never buy a BMW*

Now, this may not seem significant, but it was a very hard decision for me. I love cars. I especially have been eyeing the BMW 3-series since I was about, oh… 8. Maybe earlier, I remember when it was the 2002. Most of my friends either also want one or already have one.

I’ve also been reading The Millionaire Next Door, which reveals interesting characteristics of wealthy people. What’s the most popular car driven by millionaires? A Ford. An F-150 to be more exact. The wife and I are planning to have kids in a few years, and we want them to grow up not feeling entitled to things like luxury vehicles. The nicest cars both of our families ever owned growing up was a Ford Taurus or similar. Up until we helped her dad buy a car (Ford Ranger interestingly enough) last year, he was driving a ~1980 El Camino!

Now, I know that there are plenty of families with nice cars that have kids that are perfectly good with money and happy and well-adjusted and all that. But I also would rather drive a perfectly adequate car, and take my kids traveling around the world with the difference. And I can probably have just as much fun car-wise by buying an old car and fixing it up.

Anyways, a Sunday morning epiphany. Maybe I ate too many eggs?

*until the kids are graduated from college.

Saving Money By Grilling All Weekend Long

flag.jpgHope everyone is enjoying the long weekend – my sister came into town to visit, and usually this is a time when spending increases – eating out, visiting touristy spots, buying souvenirs, etc. But instead, we bought our first little grill and are eating outside all weekend! The grill set us back about $25, but we’d spend that much even on a single fast food meal for us. We’ve got cedar plank griled salmon, beer-marinated brats, and steaks wrapped with bacon on the menu, all at prices much less than any comparable restaurant. And to be patriotic, it’s Bud Light all the way. Careful with those fireworks!

Modest Millionaire

Saw this article on Fatwallet – Modest Millionaire, thought it’d be good to share. See more discussion here. I won’t judge the guy (who’s now deceased), but it’s an interesting story of how another person handled their money.

This reminds of when I was a little kid, I remember reading in the Guinness Book of World Records that the richest woman in the world ate gruel everyday and left hundreds of millions of dollars when she died. For some reason that stuck with me.

The Other Side of Tipping: Waiter Rant

Man, I ran across this hilarious and witty blog called Waiter Rant today, and I’ve already wasted way too much time reading it. My entire lunch (brown-bagged) actually, and then some.

Check out this post called Cheap Bastards, and you can see what waiters have to deal with. It’s the other side of tipping. It reminded me of my post on tipping guidelines. Just because you have a gift certificate doesn’t mean you don’t have to tip!!! And don’t be like Dr. Zamir. Anyways, watch out, it’s addictive reading.

Budgeting, Part 2: Variable Expenses: Gas

Ok, I’ve gotten off track from my close examination of my family budget. In Part 1, I went over monthly fixed expenses. I’m glad to say I cut $6/month in fixed expenses already. Now I’d like to move on to variable expenses. First, gas. Although prices are dropping right now, they still represent a significant part of most people’s budgets. In April, we spent $117 on gas for two cars (and we were gone for a week). We currently just go to the Shell station near our place and get regular gas when we need it. Is it really worth the extra effort to do anything else?

My main tool to save money on gas: I use my Citi Platinum Select MasterCard. It gives me 5% cash back on all gas purchases, which ends up being about 13 cents a gallon. For me, that’s about $100 a year savings on gas!

Other than that, I gathered the usual tips for saving money on gas, let’s see if they help:

1) Buy cheaper gas. Websites like GasBuddy.com and GasPriceWatch.com list gas prices of local gas stations, so you can find the cheapest place. For some reason, Arco is just always dirt cheap where I live. I don’t get it. But I still don’t use Arco, as they charge extra for credit cards, which negates their price advantage. I am also soooo waiting for my local Costco to get gas. That would be sweet.

One thing is for sure: Don’t buy premium gas unless your car’s manual says you need it. This has to be one of the best ad campaigns ever, calling hi-octane gas “premium”.

2) Drive differently. Simple stuff really. The more you drive, the more gas you burn. The higher RPM your engine revs, the more gas it burns. Drive less, and watch that tachometer. I already minimize my driving and have no NASCAR delusions like others, so not much savings to be had here.

3) Improve your gas mileage by optimizing your car.

– Make sure your engine is tuned properly according to your car manual. If it’s spurting out crap, check it? I just passed my smog test too, so I’m happy.
– Check & replace air filters. Mental note to check on this. I don’t think I’ve done this in a while for my older car. Supposedly this can improve mileage by up to 10%!
– Keep tires properly inflated. Mental note to check on this too. Hint: Even if the place charges 25 cents for “Air”, fill up first, and then ask the guy in the booth. Every time I’ve asked they’ve turned it on for free.
– Remove excess weight. Pretty obvious. My trunk is pretty empty, but seriously some of my friends need to clean out the New Kids on the Block cassetts from their trunks…

Of course I’ve left out a bunch, like buying fuel-efficient cars, carpooling, etc. For a good resource, check out http://www.fueleconomy.gov/ and run through the items yourself. For me, I think checking my air filter and tire pressure is a cost-effective idea. Otherwise, I’m not sure I can do that much more to save money on gas.

Green with Envy: Bimmer Lust

3series_perf.gifSo I just saw a new purchase of a co-worker: a Metallic Black 2005 BMW 330Ci with Performance Package (basically the M3 minus the 333HP motor). We’re talking a $45,000 MSRP car here. And this is no GM $3k-below-invoice vehicle, this car commands MSRP. Envious? Uh, Yes. I like cars, but my 95 Nissan is all stock, and my only indulgence is my $10/yr Car and Driver subscription.

According to BMWUSA.com, I can lease this puppy for $2,500 down and $540 a month. I can swing that, right?

[Insert text about how this is a bad idea here.] I still want one.
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