“Look at How Much We Saved”

I just shake my head when I hear stories about how much someone saved at a huge sale they went to.  They hit a 40% off sale, then had an additional coupon on top of that and “wow, look, I saved $95!”  Yes, but how much did you spend in order to save that $95?  You would have had 100% savings if you didn’t go to the store in the first place.

There is a Lowe’s commercial out right now that perfectly fits this scenario.   Continue reading ““Look at How Much We Saved””

I Haven’t Shampooed My Hair for a Year

Yes, you read that correctly.  I have not used shampoo or conditioner on my hair for a full year.  “But why would you go to this extreme” you might ask.  Because I am trying to use less chemical on my body (I mean, do you even know what half of the ingredients are on the back of a bottle?!?) as well as it is saving me a boatload of money.  After a full year of going “no-poo” I can confidently say this works well for me.  My hair is healthier, my curls are more consistent, and I have little to no frizz.  Prior to going “no-poo”, my hair could frizz out like Bozo The Clown.  Not a good look! Continue reading “I Haven’t Shampooed My Hair for a Year”

More Apartment Expenses – Planned and Unexpected

The Planned Expense

Our new tenants moved in back in August and we want to make sure they stay happy in hopes that they will stay for a couple of years. As our duplex was built in the 1890’s there is very little storage space, in any room.  The bathroom in particular has zero storage.  When we transitioned the apartment back in July we had wanted to add a medicine cabinet in the bathroom to add at least some storage but ran out of time.  We asked our tenants if they wanted one and they said it would be great and we just finally got around to installing one this past week.

Being frugal minded about many things in life, we decided to try to find a used medicine cabinet instead of shelling out over a $100 for a new one.  It took a few weeks but I found a wall mountable one (we didn’t want to cut holes in the wall as you never know what you may find) at a local home building resale establishment.  The cost was only $15 so it was a great price.

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It’s upside down but you get the idea…

Continue reading “More Apartment Expenses – Planned and Unexpected”

How To Show Love Frugally On Your Anniversary

This past weekend marked our 7th wedding anniversary.  I would love to say we have a fantastic weekend spent doing wonderful things together but our schedules took us different ways and we spent probably a total of 45 minutes together between both Saturday and Sunday.  I had an event early on Saturday morning and Mr. SFF had some photo work for most of the day Saturday and all day Sunday.  He worked a total of 20 hours with 6 hours of driving time tacked onto that.  So much for a romantic weekend!

As we knew this weekend was packed we decided to celebrate together on November when our schedules slow down (yikes, we are too busy) and that will probably just be a nice dinner together.  We decided that we would not exchange any gifts or anything else as they would only hurt our financial independence goal and we are not big on gift giving anyways.

But as I did have a lot of free time this weekend I decided to do something to express my love.   Continue reading “How To Show Love Frugally On Your Anniversary”

A Night Out With Friends

Weekday evening are usually pretty chill around the SFF household and most evenings are spent in.  But some good friends who spent the summer in town are heading out next week and invited us celebrate their 15th anniversary with them.  The plan was to meet up at the local minor league baseball park for some of America’s favorite pastime, baseball.

The baseball field is about 2.5 miles away so Mr. SFF and I rode our bikes.  The temps were high but it was a nice ride and was much better than that hassle of trying to find a place to park.  Tickets are pretty cheap which makes this particular park great.  Last night was particularly wonderful though as it was 25¢ hot dog night (woohoo, thank you McKenzie’s)!

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Continue reading “A Night Out With Friends”

When Your Best Intentions Backfire

I have been taking allergy medication since 2008.  I take Cetirizine which is the generic version of Zyrtec for seasonal and other allergies.  Sometimes I also use a nasal spray when pollen is bad or I know I am going to be around dogs but I am going to focus on the general allergy meds today.  Since this is an over the counter medication I have not been able to utilize my Heath Savings Account to pay for it.  During my recent physical at my doctors office she wrote me a prescription for the Cetirizine which would mean I could use my HSA for payment.  Seems silly but that’s how the system works.

When I dropped the prescription at the pharmacy at first they were confused as it is an over the counter medication but when I explained that I wanted to use my HSA to pay for it they understood my reasoning.  I picked up the prescription the following day and was a little surprised by the Continue reading “When Your Best Intentions Backfire”

Getting Rid of Garden Pets – For Free!

We have two small raised vegetable garden beds in our yard.  Nothing fancy but they provide a little food for us throughout the summer.  Unfortunately, even though we are in an urban area, we seem to have critters digging things up or taking a bite when things start to actually mature.  I am not sure exactly what animals do the damage but I think recently it has been neighborhood cats using the fresh dirt as their litter box.  Yuck!

I have purchased stuff designed to deter animals in the past but it washes away any time it rains and I hate spending extra money on these products.  I also tried buying cayenne pepper Continue reading “Getting Rid of Garden Pets – For Free!”

Frustrations and Progress

Both last month and now into June I have been having trouble keeping my expenses low.  I know things always come up but it still can be frustrating when you have a goal set but you just can’t make it work.  I am certainly still saving money but just not as much as I would like.

The great news is that Mr. SFF has finally added some money to our joint savings account.  I have been asking him to help contribute for a few months but as he is super laid back he just hadn’t gotten around to it.  He has just been accumulating money in his checking and has finally moved it over.  This method seems to work well for him but can be frustrating Continue reading “Frustrations and Progress”