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How To Save Money On Eating Out – Frugal Living Tips

How To Save Money Eating Out

How To Save Money On Eating Out – Frugal Living Tips

It’s no secret that one of the greatest expenses you can have is eating out frequently.

I will admit that I love few things more than a nice meal out on the town.

There are ways that you can save some money while still getting to eat out when you feel like it.

OK here are some tips on How To Save Money On Eating Out

Tip #1 – Shopping Around

We all have our favorite restaurants and favorite types of food.

Sometimes there are other good less expensive choices right around the corner.

You might even find that you enjoy some of the less expensive restaurants even more than the ones you frequent.

Make certain to shop around and see what types of food other restaurants offer.

Check their prices.

Come on get out of your restaurant rut and try something different.

 

Tip #2 – Don’t Be Afraid to Clip

If you already have a favorite restaurant that you prefer above all others, make certain that you’re checking out those Sunday newspapers.

As silly as it sounds, many chain restaurants will offer special deals and discount coupons in the Sunday papers.

You may find yourself discovering a brand-new daily special, or even better, finding that coupon for 20% off your next meal.

How To Save Money On Food

Tip #3 – Inquire About Loyalty

Many restaurants have loyalty programs which offer a free meal or a percentage off after meeting some requirement, for example, buy ten get one free or spend $100 get 10% off.

Ask the next time you are there.

If they have a program they will be more than happy to tell you about it

You will be able to enjoy special savings that they provide to loyal customers who return to them time and time again.

 

Tip #4 – Check Out Happy Hour

A lot of restaurants have happy hour deals or specials that occur during certain times of the day.

As you know happy hour usually is about drinks but many restaurants also include food.

When in doubt, ask the next time you go to the restaurant, or pay a quick visit to your favorite restaurants’ website.

 

Tip #5 – Go Where the Kids Eat Free

If you’re wanting to dine out with your family then make certain you check out some of the many different restaurants where Kids Eat Free.

Denny’s has a Kids Eat Free night every Tuesday between 4:00PM and 10:00PM.

You would be amazed at just how much you can save by eating at restaurants that offer a kids eat free night.

 

Tip #6 – Tweet, Like, and Share

Believe it or not, a lot of restaurants are now offering special coupons and discount codes to customers who will like, tweet, or otherwise share on their websites or social accounts.

Other restaurants will offer their “followers” special limited time deals and specials that they will either tweet or share with their groups on social media.

By following your favorite restaurants, you can often snag up some pretty impressive deals from social media.

Eat Out Coupons

 Tip #7 – Dine Out With Cash

Many people are likely to spend extra money when they are paying with a credit or debit card.

Perhaps this is because it’s much more painful for you to see those bills jumping out of your wallet as you hand them to your server when paying the tab.

Regardless of the reason, paying with cash will generally make you spend less when it comes to dining out.

Not to mention, many servers absolutely hate getting tipped with a credit card.

 

Tip #8 – Pay With A Credit Card

WHAT! Didn’t you just tell me not to use credit cards?

Certain credit cards give you 1%-5% cash back when you eat out.

Now that’s a credit card worth using but only if you pay your balance off every month.

Eating Out Cheap

Tip #9 – Enjoy Those Freebies

There are a lot of restaurants that offer some delicious free appetizers.

Outback Steakhouse, for example, will deliver a fresh piping hot loaf of that delicious dark bread to your table

Many Mexican restaurants will provide you with complementary chips and salsa.

I don’t know about you, but I often find myself getting gorged on the freebies before my entree even gets to the table.

 

Tip #9 – Drink Water

There are a lot of people that are chronically dehydrated.

Don’t let this be the case when you go out to eat dinner.

Why?

You eat less when you drink a lot of water.

Drink plenty of water before you eat dinner. You’ll either order less or you’ll have leftovers for another meal.

Obviously this will save you money when it comes time to pay the check not to mention your belly will thank you.

So skip the soda, fruit juice and beer and just stick with water.

 

Tip #10 Restaurant.com

Restaurant.com has more than 18,000 restaurants offering discounts all over the USA. Just be sure to read the fine print. Many are valid only on certain days of the week.

How To Save Money When Eating Out

Tip #11 Discount Gift Cards

Go to Cardpool to buy gift cards for restaurants that will save you 5% – 20%.

 

Tip #12 The Early Bird Catches The Deal

Take advantage of the Early Bird specials offered at many restaurants.

I know eating dinner at 5:00 is crazy but you will sleep better having fully digested your food by the time you go to bed.

You may also be hungry at 9:00 but give it a try.

 

The Final Tip

Regardless of how much you are spending when you are dining out, the most important thing is to remember to enjoy yourself.

Dining out is the time to enjoy not having to cook a meal and also to enjoy the company of friends and family members.

While you want to have a good time, don’t forget to follow a few of the tips listed above to make certain that you are able to dine out debt and guilt free.

 

If you have any tips on How To Save Money On Eating Out that I did not cover here please leave them in the comments below.

Here are a few other articles you may be interested in.

How To Save Money On Amazon

How to Save Money On Airline Tickets

Bad Vitamin Supplements – Shocking Report

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Scott  The Frugal Man

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How To Invest Like Warren Buffett Did 40 Years Ago

How To Invest Like Warren Buffett

How To Invest

I have often asked myself the question:

What stocks would Warren Buffett buy today if he was a young man?

I am sure that you go to bed every night asking yourself the same question?

 

Looking at Warrens portfolio today gives us very few clues.

These days he has so much capital to invest he can only invest in large mature companies. These companies do not have the same growth rate possibilities as his investments in the past.

Can we figure out what Warren would invest in today if he was starting all over again?

Yes we can. Here is the good news.

How to invest money

Market Watch just published an article that answers our question.

A study was just completed by the National Bureau Of Economic Research.

They have come up with a formula that mimics how Buffett invested in the past.

Their formula is complex with twelve different components.

The focus is on safe, inexpensive, high quality stocks.

These companies have low volatility and low price to book ratios. They are growing profitable companies that pay a dividend.

They have good five year prospects.

One disclaimer.

Warren has used leverage to magnify his gains over the years.

Without the leverage his returns would have been less but still spectacular.

For the average individual investor I would definitely not suggest using leverage.

 

Warren Buffett

Here are stocks that Warren might buy today based on the study.

CVS Caremark (CVS)

American Vanguard (AVD)

Vectren (VVC)

Scholastic (SCHL)

Kohl’s (KSS)

Owens and Minor (OMI)

Marcus Corp (MCS)

CryoLife (CRY)

Sparton Stores (SPTM)

Haverty Furniture (HVT)

Comtech Telecommunications (CMTL)

In addition there is an ETF Ishares MSCI USA Quality Factor (QUAL) and a mutual fund U.S. Defensive Equity Fund (REQAX) that have stock picking methods similar to Buffett’s.

So there you have it.

How To Invest Like Warren Buffett.

Be sure to do your due diligence or consult a financial adviser before investing in any stock.

Please leave comments below.

Other posts you might be interested in:

How To Save Money On Amazon

How To Save Money On Airline Tickets                                                                                      

If you enjoyed this article please, like it, share it, tweet it, and pin it below.

Scott  The Frugal Man

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How To Save Money With Amazon – More Tips

A few weeks ago I wrote a post entitled How To Save Money On Amazon.

The post went viral.

In the article I explained many little known methods for saving yourself dollars while shopping at Amazon. Read the article here.

The original article led me to a number of other ways to save money with Amazon so I decided to write this follow-up article, How To Save Money With Amazon – More Tips.

Lets get started.

A Camel Anyone?

Camelcamelcamel allows you to receive alerts based on changes in price of a product you are looking to buy. The site also has price history charts showing price variations of a product over time.

Kindle Tracker

Ereaderiq lets you track kindle books and will email you price drop notifications. Camel does not track kindle books so this is the site to use. It also has a very advanced search feature.

How To Save Money On Amazon

Tracking At Light Speed

Tracktor bills itself as the fastest Amazon price tracker. They will notify you of price drops instantly by email.

Great Amazon Price History Charts

Ookong is another site that will alert you when prices drop for product you are following. They also have good price history charts for many Amazon products.

Save Money On Amazon

Who Wants Money Back?

Paribus makes price adjustment claims on your behalf. Once you purchase something on Amazon enter the product information in Paribus. If the price drops or you missed a coupon that was available Paribus automatically gets you money back. They take 25% of the cash back as their fee and the rest goes to you. There is no fee if they don’t get you any money back.

Five Percent back On Every Purchase

The Amazon.com Store Card gives you 5% cash back (as a statement credit) on Amazon purchases. In order to take advantage of this you must be an Amazon prime subscriber. The card has no annual fee. Remember to pay off your credit cards every month.

Donate To Your Favorite Charity

Amazonsmile.com donates .5% of your purchase to a charity of your choice without charging you anything more. Go to Amazonsmile here and help out your favorite charity every time you purchase an item at Amazon.

How To Save Money With Amazon
With this post, How To Save Money With Amazon, along with my original post, How To Save Money On Amazon, you should be well on your way to saving a lot of money whenever you shop at Amazon.

Please leave comments below on any of my tips above.

Other posts you might be interested in:

How To Save Money On Amazon 

Bad Vitamin Supplements – Shocking Report

If you enjoyed this article please, like it, share it, tweet it, and pin it below.

Scott  The Frugal Man

 

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How To Save Money On Airline Tickets – 16 Tips

How To Save Money On Airline Tickets

Even though fuel costs have plummeted over the last year airline tickets have not come down in price. With this in mind it becomes even more important to search for the best deals on your airline tickets. In this post I will show you how to save money on airline tickets.

Best Days To Travel

Generally speaking Tuesday, Wednesday, and Saturday are the best days for airline travel if you want a good deal. Personally I try to travel on Sundays  because there is a lot less traffic getting to and from the airports. This leads to a much less stressful journey.

I just did a week long trip to Miami leaving and returning on Sunday. My stress level was so much lower than if I had done it any other day of the week.

If there is a big difference in price I will travel on another day. If there is only a small price difference it is worth it to me to pay a bit more for a more pleasant trip.

Travel Off-Season

I go to Florida in the spring and the fall. Air fares, car rentals, and hotels are all less expensive and you don’t have to fight the crowds. April and October are great months to go to Europe or Latin America. Just remember in April to wait until after Easter and Spring Break.

Airline Food And I Gotta Pay For It?

If you are flying on an airline that charges for food just bring your own food. Buy something good before you get to the airport or make something at home.

How To Save Money With Airline Tickets

Get Alerts

You can sign up for e-mail alerts from the airlines directly and you can go here to see a list of 10 websites that will send you alerts.

Time Of Day Matters

Travel in the early morning or take a night flight and you may save some money.

Search

Search for your flight in a number of different places. Booking sites can have different prices and also sometimes don’t have all the airlines.

Save Money On Airline Tickets

Figure The Total Cost Of Your Flight

These days you have to look beyond the actual airfare. A few years ago it was just the low cost airlines that charged you for everything.

Today you have to be very careful because the airfare is just one part of your ticket cost. As you know airlines are now charging for bags, food, seats, etc.

Pretty soon they’ll charge you to use the bathroom.

Bottom line is you need to figure in all the extras to get the true price of your airfare.

Cheap Airline Tickets

Luggage Weight

Be sure to weigh your luggage before you leave home because the airlines have steep fees for overweight baggage.

Use The Net

Book your ticket online. If you use the airlines phone service many times there will be an extra charge.

Use Skyscanner

Skyscanner is one of the best ways to search for the best airfare deals. Their flexible search options let you search prices over a month or year and will search 1000s of airlines.

Save Money Airline Tickets

Book In Advance

Try to buy your ticket 4 to 6 weeks before traveling. This is usually when you’ll find the best fares.

Yapta You Say?

After purchasing your ticket put your information into Yapta and it will let you know if you are eligible for a refund if the price of your trip goes down.

Airline Tickets Cheap

Student Discounts

Be sure to take advantage of student discounts. Go to STA Travel and use their search engine if you are a student.

Senior Discounts

If you are 50 or older you may be eligible for a senior discount on many airlines. You need to check with each airline individually. If you find a senior discount do not book it until you have checked normal discounted fares because sometimes they are lower than the senior price.

Airplane Tickets

Frequent Flyer Programs

Absolutely positively sign up for the airlines frequent flyer program to earn miles or points when you fly. There are also a number of other ways to accumulate miles that you can use for free flights in the future.

Most airlines have a shopping portal that you can use to buy things at hundreds of retailers and earn miles simply by going through the portal.

You can also earn miles with credit cards but that is a whole other article which I will be writing soon.

Sign up for email updates above and I will automatically send you all new articles I publish.

How To Save Money On Airline Tickets

Now you know How To Save Money On Airline Tickets.

Please leave comments below on any of my tips above or if you have any other airline ticket saving methods that I did not mention?

Other posts you might be interested in:

How To Find Car Rental Deals

How To Save Money On Amazon                                                                                          

If you enjoyed this article please, like it, share it, tweet it, and pin it below.

Scott  The Frugal Man

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Bad Vitamin Supplements – Shocking Report

Unfortunately I have really depressing news to report. You may have wasted hundreds or thousands of dollars on Bad Vitamin Supplements over the years.

Bad Vitamin Supplements

Bad Vitamin Supplements

Maybe you buy vitamin C because it helps prevent the common cold.

Maybe you buy ginkgo biloba because you read that it helps improve your memory.

Well what if I told you there might not be any vitamins C in the bottle that you bought and your ginkgo biloba bottle may be filled with pills consisting of rice and asparagus.

Over the last year the New York State Attorney General’s office ran tests on herbal supplements from Target, Walmart, Walgreens and GNC.

The test results showed that the supplements had little or none of the ingredients listed on the label.

Read that sentence again.

If these allegations are true it is outright fraud.

You may have spent a lot of money over the years buying supplements that had nothing more than rice in them.

What if you were taking a vitamin on your doctor’s orders to help treat an ailment that you have?

The cease and desist orders sent by the attorney general accuse the four retail chains of deceptive business practices and possible health risks.

Cease And Desist

Here are some examples from the cease and desist letters sent to the retailers based on samples tested.

TARGET
Gingko Biloba: No Ginkgo Biloba identified.
Saint John’s Wort: No Saint John’s Wort identified.

WALMART
Ginseng: No Ginseng was identified.
Echinacea: No plant genetic material of any sort was identified in the product labeled Echinacea.

WALGREENS
Gingko Biloba: No Gingko Biloba was identified.
Ginseng: No genetic material from Ginseng.

GNC
Ginseng: No Ginseng was identified.
Saint John’s Wort: No Saint John’s Wort was identified.

Furthermore some of the plant materials found might induce allergies.

The tests showed that the majority of the herbal products tested had no material from the plant on the label.

Where Buy Vitamins
Okay are you getting pissed off yet.

I bought gingko biloba for years and assumed I was getting gingko biloba. So much for that assumption.

When I stopped taking it I didn’t notice any difference in my memory. Now I know why.

These are three of the biggest retailers in the USA and one of the biggest vitamin chains and they have been scamming us if the Attorney General is right.

Attorney General’s Band Together

New York Attorney General Eric Schneiderman’s spokesman Mitt Mittenthal said ” Attorney General Schneiderman is committed to ensuring that the roughly 150 million Americans who use herbal supplements know what is in the products they are consuming.”

“It’s important for both retailers and manufacturers to verify the contents of the products they sell so that consumers can be protected against deceptive claims on packaging and against potentially dangerous reactions to undisclosed ingredients.”

Four Attorney General’s including Schneiderman have announced that they will continue to probe the herbal supplement industry.

Schneiderman said that this is an ongoing investigation and he did not want to comment when asked if other companies were under investigation.

Something Needs To Be Done

If these allegations are true there needs to be prosecution, a class action suit, and large fines levied.

As much as I am usually against regulation maybe it would be a good thing in this industry.

We need to have some assurance that we are actually getting what we are paying for and relying on the industry to police itself sure doesn’t work.

According to Consumer Reports more than 50% of adults in United States take vitamins and supplements. This is a $27 billion industry.

The supplement and vitamin Industry is completely unregulated. Remember the New York Attorney General only tested a few products from four retailers. There are 100s of other products out there and its anyone’s guess as to what is in them.

So now you are saying to yourself, what about my multivitamin and the vitamin E that I take? What about the fish oil that I take for my high cholesterol? There will always be a doubt in your mind, probably a big doubt.

Well I Have Good News For You

There is a way to buy vitamins and supplements and have confidence that you are actually getting what you are paying for.

I am sure that your blood is boiling thinking about all the money you have spent over the years on vitamins and supplements that may not have been the real thing.

You are not really sure what to do at this point.

Why would you want to go spend more money on supplements and vitamins that you can’t be sure actually have the ingredients that are listed on the label.

Here is how to buy your vitamins and supplements and be confident what is on the label is actually in the bottle.

Discount Vitamins

USP Verified Dietary Supplements

U.S. Pharmacopeia Convention or USP is a nonprofit testing service for pharmaceutical ingredients and dietary supplement products.

Verification is available to manufacturers who participate voluntarily. USP has been around since 1820 and its standards are used in 140 countries.

Once a product has met USP’s stringent testing and auditing criteria a USP verified mark can be put on the label.

Best Place Buy Vitamins Online

These are the only vitamins and supplements that I will ever buy.

Here are my two favorite companies that have their products tested by USP:

Nature Made Vitamins and Supplements – Nature Made has been around for 40 years and is the number one pharmacist recommended vitamin company. They produce more than 150 different vitamins. They were the first vitamin company to have their products and verified through USP.

Kirkland Signature Vitamins – For the last 20 years Costco has been producing there Kirkland Signature private label products. They strive to make all Kirkland products equal to or better than the National Brands.

You can buy both companies vitamins and supplements easily on Amazon.

Click on the company name and you will go directly to their products on Amazon.

Conclusion

It is clear that we cannot be confident that we are getting what we are paying for when buying vitamins and supplements.

We may have wasted hundreds or even thousands of dollars over the years on bottles of vitamins that did not contain what was on the label.

You are now aware of USP which actually tests products for a small number of vitamin and supplement companies.

Buy your vitamins and supplements from these companies and have confidence that you are getting what you are paying for.

I know I will never buy another vitamin that does not have their products tested by USP.

If this report was informative please Like It, Share It, and Pin It.

Thank You.

Scott – The Frugal Man www.thefrugalman.com

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Free Frugal Living Tips – Saving Money

Here are 50 Free Frugal Living Tips for Saving Money day after day.

1. Take Lunch To Work

Bring your lunch to work instead of going out or ordering food in. You will save money everyday.

Free Frugal Living Tips2. Fix It Yourself 

There are a lot of little things that go wrong in your house that you can fix yourself. For instance simple plumbing fixes are really easy and can save you hundreds of dollars. 

3. Buy Refurbished Items

Refurbished items are usually electronic items that have been returned to the manufacturer for various reasons. The company fixes and tests the items and then resells them. Generally they are as good as new but with a discounted price. I have personally bought a number of computers this way without any problems.

4. Wash With Cold Water

Wash your clothes in cold water. It will cut your electricity bill and your clothes will last longer.

5. Do Not Buy Anything Over $20 On Impulse

Anything that costs over $20.00 do not buy on a whim. Think about it for 24 hours and decide whether you really need the item. Also during this time you can do a little online research on the product.

50 Money Saving Tips

6. Look For Free Entertainment

Look in your local newspaper or online for free happenings where you live. There are also a number of free apps available for your phone that will help you find entertainment in your area.

7. Cash Back Credit Cards

The Sallie Mae Mastercard will give you 5% cash back on your first $250 spent on gas and groceries each month. That is $250 each. It will also give you 5% cash back on most Amazon purchases. Do not get this card or any other credit card if you do not pay off the balance every month. Note that the card says you can use your 5% to pay down student loans but you can also take it as credit in your credit card account.

8. Best Price For rental Cars

I wrote an entire article titled How To Find Car Rental Deals . You can read it here.

9. Don’t Buy Bottled Water

According to the NRDC 25% to 40% of bottled water is just tap water. Regulation of the bottled water industry is weak or nonexistent. Fill a bottle with tap water at your house instead of spending 100 times more for bottled water.

10. Turn Down Your Thermostat

When it is cold outside turn down your heat a little bit and put on more clothes.

11. Turn Up Your Thermostat

When it is hot outside use less air conditioning. Make use of fans and wear less clothes but please don’t post any pictures here.

12. Find The Least Expensive Gas

Use GasBuddy to find the least expensive gas in your area. Read my article 12 1/2 Frugal Living tips – Cars. 

13. Buy Discount Ink Cartridges For Your Printer

You can buy re-manufactured ink cartridges online. Just be sure you buy from a reputable company.

14. Drink Water

Definitely cut out the soft drinks and cut down on your juice intake. Drinking water is good for you and will cut your calorie intake

15. Use A Clothes Line

Dry your clothes on a line instead of in a dryer when you can. You will save on electricity and your clothes will last longer.

16. By A Slightly Used Car

Buy a car that is just slightly used. Maybe six months to two years old. You will save thousands of dollars. I buy all my cars this way.

17. Home Maintenance

Maintain your heat, air conditioning, hot water, and other systems. Don’t wait for them to break down before you pay attention to them.

18. Cook Twice As Much And Freeze

Each time you cook a meal cook twice as much as you need and freeze half for a later date.

Simple Frugal Living Tips

19. Use The Notes or Reminder App In Your Smartphone

Use the notes app in your phone to remind yourself of things you need to do and things you need to buy. For instance if you have a list of the things you need at the grocery store in your phone it will save you from having to make a second trip for something you forgot.

What Is The Best Way To Save money

20. Bet To Skip Desert

Have an ongoing bet with your spouse. If either orders desert in a restaurant he or she needs to give the other one $100. I know a couple that does this and as you would expect they do not eat very many desserts in restaurants. They also save money and stay thin.

21. Start A Carpool

Think about who you could carpool with to work and then do it.

22. Buy A Fuel Efficient Car

Go for the fuel efficient car that also has good ratings. It will save  you a lot of money on fuel over the years. Use this Fuel Cost and Savings Calculator to see how much you can save based on miles per gallon.

Frugal Living Tips

23. Keep Your Tires Inflated 

Check your tires every time you get gas. Under inflated tires will cause you to use more gas and wear out the tires faster.

24. Buy Off Brand Toothpaste

Buy the generic toothpaste or brand that doesn’t do any advertising. You may save up to 50%. If you look closely the ingredients are usually the same as the higher priced toothpaste.

25. Buy In Bulk

Buy items that you continually use in bulk.

26. Don’t Put Up With Bank Fees

If your bank is charging you any fees you need to look for a new bank. Also consider online banks. They have much less overhead and therefore are more competitive.

27. Turn Off The Lights

Always turn off the lights when you’re not using them.

28. Shop Your Cell Plan

Be sure you shop around for the best cell phone plan. If you already have a plan shop that around also.

29. Walk

Try to fit more walking into your life. If you usually drive a mile to Starbucks consider walking there instead.

30. Look For Coupon Codes Online

Use RetailMeNot 500,000 coupons for 50,000 stores. You can also just throw the word coupon code and the item you are looking for in Google to find discount codes.

31. Take Advantage Of Public Transportation

If you are not in a hurry and you have easy access to public transportation try using it. It’s a nice change and will take you a little ways out of your comfort zone.

32. Have Your Wife Or Friend Cut Your Hair

I have an Andis Speedmaster Hair Clipper . Every three weeks my wife or oldest son gives me a haircut. It’s fast, saves money, and you do it in the comfort of your own home.

33. Goodwill

If you have a Goodwill store near you that it is in a very nice area rummage around. Sometimes you find really nice things for ten cents on the dollar.

34. Check Reviews On Big Purchases

Always check online reviews before you make a big purchase. Quality is just as important as the best price.

35. Do Not Carry A Balance On Your Credit Card

Never carry a balance on a credit card. Use credit cards strategically to gain points, miles, and cash back and then pay off the balance at the end of the month.

36. Buy Store Brand Or Generic

I have allergies. Instead of buying Claritin for a dollar a pill I buy Equate Allergy Relief which has the exact same ingredients for twenty cents a pill.

37. Live Healthy

Living and aging healthily will save you a lot of money, aggravation, and heartbreak. Read my article How Healthy Aging Will Improve Your Life.

Easy Ways To Save Money

38. Buy Christmas Gifts In January

Wait for after Christmas sales and buy gifts for the next Christmas, birthdays and other holidays.

39. Car Maintenance

Do your scheduled car maintenance.

40. Boot Your Cable Guy

You may be able to axe your cable TV. There are a number of other options today including Roku, Amazon Prime, and Apple TV. I will be writing an extensive article on this shortly. Sign up at the top right of this screen for email updates and I will send you the article automatically.

41. Raise Deductibles On Car And House Insurance

If you are not prone to accidents and problems than it might be a good idea to raise the deductible on your insurance policies. This will start saving you money immediately.

42. Low Pressure Shower Heads

There are very good low pressure shower heads on the market which use a lot less water than a normal shower head. I have used the Niagara Earth Massage 1.25GPM Low Flow Showerhead for years. It will save the average couple about 3000 gallons of water a year.

43. Use Angie’s List

Use Angie’s List to hire contractors. It is very competitive and you can check reviews. The contractors bend over backwards to make sure everything is OK so they don’t get bad reviews. I used a guy to put in some laminate floors a few years back. He was great and the price was very competitive.

44. Shop For Insurance

Whenever one of your insurance policies is ending shop around before you renew.

45. Do Not Buy Brand Name Razors

Do not buy brand name razors or razor blades. There are number of newer companies competing in this space. I wrote two articles about shaving. Shaving With a Razor: The Choice You Need To Make and Single Blade Razors Men: Are They For You.

46. Budget

Track everything you spend for a month using budgt or mint.

47. Use Deal Sites

Watch these sites or sign up for their daily emails to get great deals on all sorts of products.        Groupon, Yipit, Brads Deals, Dealcatcher, Living Social.

48. Programmable Thermostat

Install a thermostat that you can program to save electricity when you are not home.

49. Always Eat Breakfast

Remember it is the most important meal of the day. Eating breakfast will help you not to binge mid morning.

How To Save Money

50. Save At Amazon

I wrote an article that will save you a ton of money on Amazon.

 

Well that about wraps it up.

If you enjoyed this post please Like It, Share It, and Pin It.      Scott  The Frugal Man

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How To Retire With One Million Dollars

How To Retire With One Million Dollars

Can You Retire With A Million Dollars?

This is a question I’ve been asked a number of times in the last few years.

If you are a normal person working a normal type job you can do it but you are going to need a plan. In this article I will show you how to retire with one million dollars.

If you are young the best thing you can do is to start on the road to accumulating one million dollars now. Here are a few examples of what it’s going to take to have one million dollars when you get to 65 years old.

Retire With One Million Dollars

The Systematic Retirement Plan:

20 Year Old – assuming a 6% return you would need to save $380 per month in order to retire at 65 with one million dollars.

30 Year Old – assuming a 6% return you would need to save $725 per month in order to retire at 65 with one million dollars.

40 Year Old – assuming a 6% return you would need to save $1,475 per month in order to retire at 65 with one million dollars.

These examples do not take into account money that you have already saved before you start the plan. They also do not take into account inflation.

If you would like to play with some numbers based on your actual age go too bankrate.com. They have an easy to use calculator which will help you refine the numbers for your personal situation.

Understand that in order to reach these goals you are going to have to consistently save more than you make. Frugal living now will set you up to have a much less stressful retirement.

Can You Retire With One Million Dollars

Investing The Money That You Save

The money that you are saving obviously has to be invested.

You could consistently put the money in three or four very low expense index funds.

As an example you might put forty percent in a broad based U.S. large cap stock fund, forty percent in a diversified large cap international fund, and the other twenty percent in a small or mid cap world fund.

The stock market has averaged around seven percent real returns over the last half century and hopefully will average seven percent over the next half century but of course there are no guarantees.

Another option for investing the money is in real estate. I recently wrote another article titled “How To Make Money In Real Estate.” You can go to read it here.

Retire With A Million Dollars

 

Is One Million Dollars Enough To Retire?

I am sure that you agree with me that the “Systematic Retirement Plan” outlined above will go a long way to enabling you to retire with one million dollars.

The next big question:

Is One Million Dollars Sufficient To Retire?

Obviously this question depends on the individual and his lifestyle but in general it probably is enough.

In the last century many people worked the same job their entire life, had their health care taken care of, and retired with a pension.

Things are different today. I am a great example. I have never worked what would be considered to be a normal job and therefore I have no pension.

When I retire I will be counting on social security and my savings to last for the rest of my life which will probably be  much longer than people who retired 50 years ago.

Also like myself a lot of people are having their kids later in life. Costs such as university and medical expenses for their children are coming up much later in life which is an added financial burden.

If you are retiring soon and you have saved one million dollars you are probably in good shape as long as you are fiscally responsible and live frugally.

The biggest problem in today’s world is interest rates are so low that it is hard to get a decent return on your money without taking risks.

For people that have many years until retirement one million dollars may not be enough. Although inflation is low it still eats away at your buying power. In twenty or thirty years one million dollars will buy a lot less than it does today.

 

Conclusion

You do have the ability to retire with one million dollars. You need to start early, be disciplined, and stay with The Systematic Retirement Plan I have outlined above. Use the calculator at bankrate.com and create a detailed plan that works for you.

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Here are a couple other posts you may be interested in.

How To Save Money On Amazon

Free Frugal Living Tips

Scott The Frugal Man

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How Healthy Aging Will Improve Your Life – 24 1/2 Tips

How Healthy Aging

How Healthy Aging Will Improve Your Life

Every single day you age a little. It is impossible to stop the clock but it is possible to slow the aging process down.
Part of aging is genetic and there is not a lot you can do about that.

Until we discover the fountain of youth we all have to live with getting older. Every person that has ever lived on this earth has had to deal with aging.

You cannot stop aging but you can make choices that help you age slower and healthier.

The choices you make will have a big effect on how you live your life. In this article I am going to show you how healthy aging will improve your life.

Do you want to slow down the aging process?

You need to start working on it today. Here are 24 1/2 tips to aging gracefully in no particular order.

1. Get A Good Nights Sleep

Getting a good night’s sleep will boost your energy and let your mind think clearly. A good nights sleep will boost your immune system, reduce stress, and help you make better decisions. Researchers have proved that a good nights sleep is necessary for good health.How Healthy Aging Will Improve Your Life

2. Walking, Running, Swimming, etc.

You need to get your body moving. Figure out which exercise is best for you and get your “behind” in gear.

Start walking in the morning as soon as you wake up. Walking will get your body going, loosen up your muscles, and reduce stress. It will get your blood flowing, and alleviate anxiety. Walking will make you feel better and more alive. You will burn calories and get your heart pumping.

Running which is my exercise of choice will also reduce stress and get that heart pumping. I could write all day about running but lets save that for another article.

Swimming will do all of the above with a lot less stress on the body. So if you have knee or structural problems swimming maybe the exercise for you.

Wise Healthy Aging

 

3. Stay Active

I am not talking about standard exercise here. Try to stay active in all aspects of your life. Sitting at a desk all day tightens up your whole body especially your neck, back, and legs. Get up and walk around. Stand sometimes at your desk.

Walk to the store instead of driving. Park your car at the other end of the parking lot when you drive to the store. This will ensure less door dings and also put a little more walking in your life.

Staying active throughout your life will do wonders for helping you age gracefully.

Tips for Aging Gracefully

 

4. Get A Check Up

Get a physical checkup once every two years and maybe more as you get older.

Tips For Aging

 

5. Chemicals and Drugs

Keep your intake of caffeine to a reasonable level. I never drink regular coffee because the caffeine makes me jumpy. I do get some caffeine in the dark chocolate that I am addicted to.

Studies have shown that caffeine may actually be good for you but certainly if it keeps you from sleeping soundly at night don’t drink it after mid day.

I’m not even going to bring up cigarettes here. Oops well I just did. If you’re not smart enough to not smoke than you might as well quit reading now.

Alcohol in moderation is not going to hurt you unless it leads to drinking in more than moderation.

 

How Healthy Aging Isn't As Hard As You Think

 

6. The Workplace

Be careful that your workplace is not negatively effecting your health. I’m talking physically here. We already know it is bad for you mentally. Just kidding.

Take a good look at your work environment and see if it is hazardous to your health.

Smart Healthy Aging

 

7. Stress Control

Stress is one of the biggest contributors to bad health and is insidious because you may not notice its affects for years. If your job is stressful try to work on controlling your stress and anxiety.

Stress affects your blood pressure, heart, and nervous system. Stress can take over your emotions, actions, and behavior.

The more bad habits you have the more stress you’re going to have.

How To Age Gracefully

 

8. Positive People

Negative people create stress for themselves and for you. Try to surround yourself with positive people.Healthy Aging

 

9. Vitamins

Multivitamins will help you get vitamins and minerals that you might be lacking in your diet. You need to be very careful about which vitamins you buy.

Recent testing showed that some of the biggest companies in the country are selling supplements that do not have what is listed on the label, in the bottle.

I wrote a informative free special report on this and if you would like to get it Click Here. You will find out how you may be getting scammed when you buy vitamins and how to be sure you are getting what you pay for.

Even if you are eating three healthy meals a day you still might be missing certain essential minerals and vitamins that you need.

Aging Healthily

 

10. Work On Being Happier

Find the things in your life that make you happy. Unhappiness, stress, and depression age you fast.

Healthy Aging Today

 

11. Eating Right For Healthy Aging

Guess what “you are what you eat.” Eating right goes a long way to keeping you healthy. Try to eat more fruits and vegetables they are full of antioxidants, vitamins, and minerals and are low in calories and fat.

I never feel I am getting enough veggies so I buy a green food powder called “Garden Of Life Perfect Food – Super Green Formula.” I mix a spoon full of it each day with a little water and drink it with a meal. Not the best tasting stuff on earth but great for you.

Try to cut down on the fried foods and sugar. I cut soda out of my diet decades ago.

Remember those white foods may not be very good for you. I’m talking about white sugar, white flour and white rice. Moderation is the key.

How Healthy Aging Will Make You Happy

 

12. Boost your metabolism

Exercise and weight training will build muscle which boosts your metabolism. This will help you burn more calories during the day.

Make sure that you eat breakfast. Not eating breakfast in the morning will cause your metabolism to slow down

Eating spicy foods that contain pepper or chili will also boost your metabolism.

Healthy Aging Tips for Your Whole Life

 

13. Please Drink The Water

Most bodily functions require water. If you are lacking water in your system your body will slow down. Water also helps remove toxins from your body.

Healthy Aging Will Make You Happy

 

14. Meditation

When you meditate your mind and body are focused and relaxed.

Healthy Aging Tips

 

15. Positive Attitude

Your thoughts affect your mind, body, and attitude. Your attitude effects your appearance, disposition, and everyone around you. Your thoughts are very powerful.

Positive thoughts have an invigorating effect. Usually the people around a person emitting positive thoughts are energized by their attitude. A positive attitude attracts.

Negative thoughts have a sapping effect on other people and on yourself. Try to catch yourself when you have negative thoughts. Turn them around and think positively.

Adopt positive thinking today. Make positive thinking a part of your life. Studies have shown that a positive attitude actually slows down aging, makes you healthier, and helps you cope better with stress.

What’s not to like about a positive attitude? You will be healthier, have more friends, and your karma will be better.

How Healthy Aging Improves Your Life

 

16. Willpower

Willpower is the ability to resist short-term temptations in order to meet long-term goals.

You need to have willpower in order to enact changes in your life. Start today and when you are convinced the changes are good make a long term plan.

One of the reasons that I run first thing in the morning is because if I delay all kinds of things come up that give me an excuse not to run.

Get up and do a short walk or run and make a commitment that the next day you will walk or run a little farther.

Take control of your actions. Do not procrastinate because it leads to the laziness.

Take control of your thoughts. Earlier I told you that you are what you eat but “you are also what you think.”

Healthy Living Tips

 

17.You Need Massage

If you can afford it get regular massage. Massage loosens up the body, get rid of toxins, and relieves stress. I think it was Bob Hope who attributed his longevity to getting regular massage.

Healthy Living Tips For Aging

 

18. Socializing

Man is a social animal. He needs social interaction to stay mentally healthy. Even if you are super independent like myself you need some social interaction to stay in touch with the world and your feelings. Family and friends are critical for aging healthily.

Healthy Living Today

 

19. Traveling

I never feel more alive than when I am traveling. One of the highlights of my life was traveling around the world for a year seeing new places and meeting new people. Almost every minute of your day there is something new and you stay in the present. You are never more alive than when you are traveling.

Healthy Aging Every Day

20. Herbs

There are many medicinal herbs that can aid you with health issues. Go here to see a list of the herbs and what they are used to treat.

Tips To Aging Well

 

21. Working

Some people enjoy working. I have seen a number of people in my life retire and die within a couple of years because they did not know what to do with themselves. If you’re lucky enough to have work that you love then maybe you don’t need to retire.

If you want to retire or are forced to retire you should find other activities to keep you busy. Maybe you have a hobby that you can now spend a lot more time on.

Staying busy with positive endeavors will go a long way to helping you be happy which slows down the aging process.

Wise Healthy Aging Tips

 

22. Warning: Relaxing Is Good For Your Health

As you get older I think the little annoyances become less and less important. The things that sent me into a frenzy when I was in my twenties don’t even affect me anymore.

We’re only here for a short time. When it’s all over the little things and some of the big things that stressed us out turn out to be so trivial.

Remember something that you are fretting about right now will seem like nothing in a few days.

How To Age Well

 

23. Freedom

Doing everything you can to set your life up so you are not doing to many things that you do not like. Do you want to spend forty years of your life in a job you don’t like. If you are already in that situation figure out what you need to do to get out of that job.

In the world that we live in today it is hard to achieve freedom without money. Get your financial life in order and spend less than you make. Over time you will set yourself up to do what you want to do when you want to do it within reason.

How Healthy Aging Is Smart

 

24. Simplify

Simplify your life and you will reduce the amount of stress that you need to deal with. Less stuff will lighten your load. Your physical load but even more importantly your mental load.

Tips To Aging Like A Champ

 

24 1/2. Twenty Three And One Half?

OK you caught me. I don’t actually have a 24 1/2 tip. I was just trying to get your attention and it worked.

 

Conclusion

Well there you have it 24 1/2 tips on How Healthy Aging Will Improve Your Life.

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How To Find Car Rental Deals

How to find car rental deals

Frugal Men and Frugal Women in this article I am going to show you exactly how to find car rental deals.

Over the last several years I have refined my system for getting the best car rental deals on the planet.

Best Car Rental Deals

The first thing you want to do is go to CarRentalSavers.com. Using the Smart Book Box on the right of your screen enter your rental airport or city and your dates of rental. Click search. A grid will come up showing the different rental car companies and prices for the different car classes.

Choose the best price for the class of car that you want and you will be taken to the next screen where you can confirm your rental. If you have a specific car rental company you like than you can also choose them here.

CarRentalSavers will automatically include any promotional offers or coupons and they will be deducted from your price. You will generally get a great price from this site.

Sometimes I will then check the price directly with the car rental company by going to their site to see if they have a lower price.

Okay everything well and good up to this point but now I’m going to tell you a secret.

Cheap rental car deals

Do You Want To Know When Your Rental Price Drops?

Once you have booked your rental on CarRentalSavers or any other site you want to go to AutoSlash.com. Click on “Track a Rental you have booked elsewhere” and input your rental information. If at any time the price for your car rental drops they will notify you and you can immediately book at the lower price and then cancel your prior reservation.

In addition if another rental company has a better price at any time they will also notify you.

Find car rental deals

My Car Rental Deals

In September of 2014 I booked an intermediate car for five days for $132.54 using CarRentalSavers. I immediately put my reservation information into AutoSlash.

Later that day I got an e-mail informing me that AutoSlash located a better price for my rental. The new price was $106.15. I immediately booked the reservation and canceled my original one.

On the 22nd of March 2015 I reserved an intermediate car for one week starting April 19th for $133.03 using CarRentalSavers.

A few hours after putting my reservation information in AutoSlash I received an e-mail informing me that they had found me a better price for the exact same class of car with the exact same rental company with a price drop to $105.99.

Both of these rentals were during the off-season in Florida which is why prices were so low but my system will work at any time of the year.

About a year ago I booked a car three months in advance for a trip that I was going to take.

I put the information into AutoSlash and did not hear anything for three months.

The night before my flight I got an e-mail from AutoSlash with great news the price had dropped dramatically. This was a month-long rental and I saved hundreds of dollars.

Best car rental deals

Keeping It Simple

That’s how simple it is. No need to search 15 different sites and check your reservation every day to see if the price has gone down. In less than 10 minutes you can set up this system and be sure you are getting the best car rental deals.

Rental car deals

Some Other Frugal Tips For Car Rentals

Here are a few other tips that will make your life easier when renting a car.

Join Loyalty Programs

Be sure you join the car companies loyalty program. Go directly to the rental car companies website to do this.

When you are a member you get to go in the fast line for your rental.

Also in some airports like Miami you go directly to where the cars are and they have your rental ready. No need to go to the rental office in the airport.

The loyalty programs also come with points and miles, special deals and you certainly get treated better.

I Already Have Insurance

Do not be talked into paying the exorbitant fee for rental car insurance unless you have no other option. If you have normal car insurance it almost surely covers you for liability for your rental car. Check with your insurance agent or insurance company to be sure.

Certain credit cards will give you primary collision coverage including the Chase Sapphire Preferred Card and the United Mileage Plus Explorer Card. Be sure to use the card to rent the vehicle. So if your personal car insurance covers you for liability and you use a credit card that covers you for collision why waste $25.00 a day paying for insurance you don’t need.

I Will Fill The Tank

Do not take the rental car companies offer to pay for a full tank of gas upon rental. In order for it to work you would need to bring the car back with no gas. Do you want to take the chance of running out of gas a mile from the airport?

Instead bring the car back with the tank full.

Car rental deals

Conclusion

So there you have it everything you ever wanted to know about how to find car rental deals. Follow these rules and you will save a lot of money on your car rentals as well as having a more pleasant experience.

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Other articles that may interest you:

12 1/2 Frugal Living Tips –  Cars

Car Insurance Coverage: What You Need To Know

 

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How To Make Money In Real Estate

Okay Frugal Men and Women here is a guide which will help you learn “How To Make Good Money in Real Estate.” It will help you get started building a real estate portfolio that can make you a lot of money and also good income over time. After you finish this article you will know “How To Make Money In Real Estate.”

How to make money in real estate

First Things First

Pick Your Niche

Foreclosures, probate, commercial properties, tax liens, raw land, single family homes etc.

Decide what your target market will be. Specialize in one area of real estate. If you want to be a successful real estate investor and make money it is best to focus, focus, focus.

When To Buy

Real estate is cyclical and cycles have some degree of predictability.

Prices tend to overshoot on the upside and downside. Real estate tend to get way overvalued and way undervalued. Usually real estate cycles last for years.

Take advantage of this. After a long downtrend look for signs that prices are starting to turn up. This is a good time to start accumulating properties.

I am going to give you the single most important secret for making money in real estate over the long term. If you are young two or three times in your life real estate is going to crash and get way undervalued. When properties are selling for way less than replacement value you can safely buy properties and be almost guaranteed to make money over the next two to ten years.

As an example many years ago when I lived in Colorado there was a very bad period when both the high-tech market and the oil market collapsed. This caused a depression in Colorado real estate values. I purchased a condo on a bank foreclosure. Things were so bad that banks just wanted to get all real estate off their books as fast as possible.

I bought the condominium for about 60% of replacement value. In other words I bought the condo for 40% less than it would have cost to build new at that time. The condo was only five years old. Seven years later I sold the condo for a 500% profit when the market was flying.

More recently when the Florida real estate market collapsed I bought a condo for $75,000 that had sold for $220,000 five years before. There were foreclosures and short sales everywhere at the time. The market has since strengthened and the condo is already worth around $140,000 not to mention the monthly income I get from renting it.

If you get nothing else from this article remember to buy real estate after it has collapsed and is selling for way less than replacement value. When you see lots of foreclosures, short sales and people walking away from their houses it is time to buy.

Of course these opportunities only come along two or three times in your life. Normally you will be dealing with a market that is either moving up slowly or moving down slowly. You need to assess the market and decide what is a wise investment

One thing I would like to really emphasize is as you build your real estate portfolio do not leverage yourself to the hilt. If you do and there is a downturn in the market you can be wiped out pretty fast.

How to make good money in real estate

Have A Plan

Decide what your long term real estate goals are. Are you looking for income or are you looking for capital gains over a long period of time.

Be tenacious and consistent. Real estate is not a get rich quick scheme but can make you very rich over time. You’ve got to follow your plan and stick with it.

You need to be able to analyze properties quickly. This comes from experience and also having a system. The internet makes this all very simple.

I remember in the old days I had a realtor friend who would lend me his Multiple Listing Book so I could study the properties that were on the market at any given time. Today you can find all the information that you need on the internet with a couple of mouse clicks.

It is an information and numbers game. What is the market like? What is the neighborhood like? What is the property worth? What does the property need for repairs? If you are going to keep the property what can you rent it for? What price can you get the property for so it makes economic sense? It all comes down to numbers.

You need to become a very good negotiator. Becoming a skilled problem solver will help you get properties that others don’t. Be ready to wheel and deal and for me that’s where the fun is.

 

How To Find Motivated Sellers

There are many ways to find motivated sellers. One of the best is simple word of mouth. Tell your realtor and everyone else you know that you are looking for good deals on properties.

Many years ago just as the Colorado real estate market was starting to perk up after being slaughtered a friend of mine sent out 20,000 postcards to different neighborhoods in Denver.

The postcards said she was interested in buying a property in the neighborhood. She received a number of responses and ended up buying a few properties at way under market value.

Keep your eye on short sales. Short sales are properties where the owners are delinquent on their payments but have not gone into foreclosure. The property owner and the banks are usually motivated to make a deal. The condo that I bought in Florida was a short sale.

After you have a located a motivated seller you need to make an offer that is good for you but is also good for the seller. Ask yourself what is motivating the seller and then make an offer that resolves their problem as soon as possible.

The property owner is probably in a tight spot of some kind and you can save them from public embarrassment.

If you are new to buying real estate go by a few of the highly recommended books on Amazon and get educated in the different techniques and strategies for buying real estate.

 

Here are a few tips

Pick a growing area or just outside a growing area where the growth is going to spread.

Learn everything you can about the market where you are looking. You have to know the area very well so that when you are see a bargain you know it.

Always make any offer contingent on an inspection. You will already have found a licensed inspector who can check out the property. If you find a major problem you want the ability to walk away from the deal. If you find a number of minor problem you might use it as a leverage to try to get this seller to lower the price a little.

Make money in real estate

 

How To Make Money In Real Estate

Simple appreciation of the property is the easiest way to make money in real estate. You buy a good property, at a good price in a rising market. You just hold and wait. To really get the most appreciation in value, however, you should buy in an area where demand is growing faster than the supply.

Some people buy properties clean them up and then resell them. They create value in this way.

They repair everything and make cosmetic changes. They look creatively and carefully to find improvements to make. They concentrate on improvements that increase the value of the property.

You can also walk into equity in the property the first day you buy it if you pay less than market value. In other words if you buy a house that’s worth $100,000 for $90,000 you will have $10,000 in equity on day one.

People sell properties under market for a number of reasons including, fast closing, cash offer, and short sale etc. They may have lost their job or been suddenly transferred. They may be getting divorced or been living beyond their means just to name a few.

What about income? You want to buy income property in the right place, at the right time, in an area where it is easy to rent. If you do this right your renters will be paying all of your costs and what’s left over will be yours.

Want to make a million dollars in Real Estate. Over a period of time buy $1,000,000 in income producing properties and let your tenants slowly pay off your mortgages. OK it not quite that simple but its also not that complicated if you educate yourself and are conservative.Make good money in real estate

 

When To Sell

If you are a long-term investor and willing to ride out the bad times then you can hold your real estate forever. If not then try to time your purchases after a long downturn and sell when everyone is excited about properties.

When your friends and neighbors who have not been involved in real estate tell you they are looking to buy properties because real estate only goes up in value it is time to sell.

When you start seeing get rich in real estate seminars and commercials all the time you know you’re getting close to the top of the market for the current cycle.

When people are speculating on new construction by putting little money down it might be a good time to sell your property’s.

 

What To Do Before You Sell

Paint and then the paint some more. This is the least expensive way to make your property as presentable as possible. Use paint that is light and cheery.

Light it up. Open the blinds and let as much light in as possible. Dark places don’t show well and they don’t sell well.

Make sure everything is working even the little things.

Clean as a whistle. Make sure every square inch is clean. If there are any funny smells be sure you deodorize and spray.How to make good money

 

Tools You Need To Make Good Money In Real Estate

The first thing you need is an experienced realtor that knows the area where you are looking for properties.

Next you need to figure out what a property is worth.
Realtors, appraisers, and banks determine what a property is worth by looking at comparable sales or comps. They check out sales of similar properties that have recently sold in the same neighborhood.

You must be able to do the same. Either your realtor can do this for you or you can go online and do your own research. Compare properties based on square footage, bedrooms, bathrooms amenities etc.

Zillow.com    Realtor.com    MLS.com   trulia.com

Conclusion

Okay so I have given you a basic knowledge of how to make money in real estate highlighting the main points you need to know in order to build a real estate portfolio.

Please talk to people in your area and read a few books for more detail.

If I was a young man or young woman today I would concentrate on building a stable safe real estate portfolio. This is a great way to build your assets, your income, and it is not hard to do. If you want to be your own boss like most frugal men and women then this is one of the avenues you can take.

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Scott  The Frugal Man

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