**Bumped, 8/23/22 8:30pm ET**
My jaw came near the floor when I opened July’s electricity bill to find a notification of a 28% increase in electricity rates, effective immediately. An increase of 28%…. just like that. This month, August, even higher with less use.
After the initial shock wore off, I started thinking about what this means to the working-class people in my community.
Already struggling with a doubling of gas prices, massive food price increases at the grocery store and the pain of all costs for goods far outpacing any rate of wage increase, this type of uncontrollable increase in price of electricity is going to hit hard.
In the past we have used CTH threads to spotlight the smart thinking and resourcefulness of Treepers from all walks of life. A discussion thread where people can share tips, things that can actually be done, to help offset the financial pressures during severe economic times. I think we may all benefit from starting a series of post like that again.
Let us share our wisdom and experience again. There are many thousand who will benefit, as I have always done, from reading your smart tips and suggestions.
What ideas, tips and suggestions do you have to help people save money on ordinary life and living expenses?
These are painful economic times and the stress that is caused by financial worry is some of the most horrific family stress that people can face. Let us come together with tips as a community to help each other. No suggestion is too small. What advice do you have that can help people save money on monthly expenses?
During one of our previous discussions someone gave a tip about putting a clean dry towel in the clothes dryer as a way of cutting down drying time and energy used. I tried it and jumping ju-ju-bones it worked fantastically. Simply putting a dry towel into the dryer when you add the wet clothes from the washer reduces laundry drying time by around 25%. Not only does that save time, but it also saves money – and it was so simple.
So, what suggestions do you have? Tips about anything and everything that might lower the monthly cost of ordinary life. No tip is too small. No suggestion is too odd. Your advice can/will make a difference.
Please use the comments section to drop your advice.
Thanks again for being part of our fellowship.
Love to all.

When I bought my house, the family room had a gas fireplace. I used it a few times because it was cheery; another time my furnace broke and I needed the warmth until a repair man could service it in the morning. Using the fireplace was lovely UNTIL I received my utility bill! It doubled the amount of gas I usually used. I actually had a fireplace specialist turn off the pilot light and my gas bill decreased $20 a month. That is a small savings but everything helps.
Some municipalities have a minimum charge for water usage each month. Carefully monitor your usage and store the unused portion for car washes, plant watering, exterior cleaning or other miscellaneous uses.
Only if you are able to see the meter. Not always are able to get to the meter readily, just saying.
Anyone who loves Bloodhounds is good by me!!
God bless
I recently some some advice from an Argentinian, regarding inflation.
Put your money in assets immediately, don’t leave in Bank.
You mean hard assets, I assume. Because fiat currency, in the bank or in your mattress, can become worthless overnight. Remember that it is only the good will and mutual interest of the players in the “money” game that keeps these scraps of paper from devaluing to zero in a flash.
There are assets like food, equipment to purify water, a small plot of land to raise food, equipment to use for self defense, things for bartering, gold, silver, and tools to raise food.
So I just got an excuse to buy more ammo and guns!
Nice!
Do you really need an excuse?
My financial advisor said the same. If you have cash in the bank, pay off your loans while the cash still has value.
That rule is not universal. Each individual must assess their own personal financial situation. If your loans are subject to increasing interest rates, it may be a good move to pay them off if it does not deplete all or most of your cash.
But if your big loans (mortgage, auto, boat, RV) have a contractually fixed interest rate on a stipulated principle, and are originated in dollars, the terms cannot change, regardless of inflation (unless you agreed to a contract allowing the lender to screw you at whim). And generally the lender cannot call the loan if you have kept a clean on-time payment history. Most state consumer laws guard against that unscrupulous practice.
It has always been a general rule to NOT pay off big loans in times of rising inflation. The lender cannot arbitrarily raise the amount of principle on the loan nor raise the fixed interest rate – again, IF it is contractually a fixed rate loan. Your payments are fixed, while the dollar loses buying power.
I now own my house free and clear. No ifs, no ands and no buts. And if my insurance company decides to raise my rates unfairly, they can f*ck off. They are doubling rates in some areas as we speak. Yours or mine could be next. I now have options, but if you have a mortgage, you don’t.
You will never truly own your home even if you pay it off. Why? Because you pay property taxes. If you don’t pay them, they take the house.
You don’t own your car either. Same reason.
If you truly owned something, no one could legally take it away.
Actually, you own your car as property if it’s paid off. But then you must pay the state and the insurance company for the privilege of driving it. 😛
Not necessarily true. I know for fact in surrounding cities in CT many lower income folks just struggling to get by are driving unregistered, un insured vehicles (see police reports in paper all the time). What happens in a liberal controlled state with cities providing benefits to all.
AZ is purple now but we’ve always had this issue. Try explaining to your teenager that application of the law is racist against whites and citizens – the only people that these type laws are enforced on. So if your Spanish speaking co-workers drive uninsured and unregistered the Arizona teen thinks that he can too. NooooononoNO! Son, you have no Spanish. You are pocha. When you get pulled over you will go to jail. (In AZ you don’t have to do anything wrong to land in jail – they figure that they’ll find something – we have private prison contracts to keep filled.) They will impound your vehicle. On that wage you will NEVER get it back. Your boss will fire you and then nobody else will let you have a job. They get pulled over, the LEO hears a foreign tongue, they smile and wave them on. This has been for decades and t he teenager doesn’t believe it. There’s laws and
then there’s directives unwritten that the LEO’s must follow. From the mouth of a LEO.
I’m of the opinion that we really don’t own anything. Although some people are more equal than others. The ’08 crisis had locals living in homes that their parents paid off decades ago get repo’d. People that lost their jobs tried to live in their homes without utilities – government took away their homes and left them homeless on the street. During our local electric company problem I saw a local liberal attorney confirm on Twitter that the monies gouged from overcharging whites is donated to race based community organizations (that whites aren’t allowed) – always suspected that and the fact that no minorities or minority groups joined the protests against the gouging already proves that those people can just go to their race-based community organizations for help when they can’t pay the bill – but do they also get a cheaper bill to begin with? He deleted his tweet right quick. When we went to speak we proved to these elitist idiots that you cannot judge race by name or zip code just by our faces. They were visibly upset BEFORE we started talking. My spouse was the ONLY brown person there amongst the citizens complaining about electric company policies. If they think that all Mexicans live in the barrio and have Hispanic names – we’ve been mixing it up out here for generations before the miscegenation laws were changed. So clueless.
We should be demanding seniority/priority over newcomers in every way but we dare not even ask for equality cuz – racism.
unless you are undocumented they take the plates off others cars and drive without insurance.
They steal tags
I have said this for years. We rent our house from the city which can raise the rent(prop tax) any time they want. My prop tax rate went up this year and do did my assessment. My 30 year old house increased in value.
Accidentally flagged this post and it wouldn’t let me unflag it…sorry!
Unless new laws have very recently been passed that allow this, the mortgage lender cannot arbitrarily and/or unilaterally change the terms of your fixed-rate, fixed-term mortgage once it is signed by both parties, recorded, and in effect. Only your failure to uphold your payment schedule, or pay taxes on time, or maintain homeowners insurance (if required under the loan terms) can trigger a lender to change terms, however in most cases the homeowner must agree to those terms as well.
I’m not sure what state you live in but what you’re suggesting – the lender’s arbitrarily doubling existing and contractually bound mortgage interest rates – sounds out of legal bounds.
Insurance rates are another topic altogether and fall under different laws that vary by state.
Raising property taxes can be done arbiterarily by counties. Ask Travis County Texans with a 70% on some properties.
Yes. Tax rate changes happen everywhere sooner or later. Hopefully 70% will be rare.
The original point was about paying off loans. I was addressing fixed R.E. loans as opposed to ongoing expenses such as property taxes.
Yeah it’s too late now but if you took out a big loan like a mortgage when interest was low you’re going to be paying it off in funny money. Say the payment is 2k a month it’s going to be cheaper than groceries. Hopefully you’ll be making more in terms of dollar amount and while everything else skyrockets in price your payment will remain the same. And the asset you purchased with the money will be going up as well. The money itself will be worth less and less.
Our house suddenly became the most expensive per square foot in our entire neighborhood.
That includes houses that are much newer than ours. Our neighbor is paying half the rate per square foot that we are paying.
I will be protesting the increase next year.
We are a lawless nation. There’s a lot of scams going on in real estate, including with the VA.
This is correct. Inflation actually lowers the relative cost of a fixed rate loan or mortgage.
The worse off the dollar gets, the less you technically end up paying the lender.
The convenience of keeping that mortgage…if one has an escrow account…taxes get paid so you don’t have to worry about it.
Yes. Barter becomes the way of survival. Currency is worthlesa in hyperinflation. We are almost there.
I can attest to that. Argentinians are asset rich and cash poor. The ones that can, own several houses. That is how they keep up with inflation. Houses are generally paid for – no mortgage since credit is hard to find. Money is never in the bank. Cash is immediately transferred to dollars whether they buy it in the official or the black market.
Down at Ft. Bliss they are training up ‘illegals’, those guys crossing the border who are ‘fighting age’. Promise of citizenship, replacing regular recruits, who are less and less available due to physical conditioning and intelligence.
Anyone in the area to check it out? I got this from an old spook whom I trust.
I wouldn’t doubt it. What we should be doing is taking criminals off the street, those the jails have been dumping, who already hate ‘the man’ and train and equip them to become mercenaries. Sell the attack the rich and give to the poor and themselves program.
Learn from what the government did with Auntie Fa and burn, loot, murder. Use it.
Along those lines, tip. An Airsoft gun makes a great tactical training tool without the cost and noise and danger of live fire. Practice, practice, practice. Learn how to access, disassemble and assemble the real deal blindfolded or in the dark. Use methods similar to how soldiers are trained.
Even if the most potent weapon one ever uses is a contribution to a candidate or a ballot at the voting booth, it’s good to know and practice the alternatives. Hope for the best and prepare for the rest.
It’s possible; a few years ago heard from someone (so don’t know for sure) that there are provisions for “non-citizens” ( I think is a gov’t euphemism for illegals) who enlist in the military can receive US citizenship.
Used to be that way and since the younger generation is no longer interested, might be that way again. Not gonna help this U.S. at all. Too many are here because of what the U.S. will give them, not because they have decided they love this country.
Send them to Ukraine to fight Putin.
Green Card Warrior was a good movie. Gang tattoos – they tried to stop that but last I heard they gave up and let them in. Supposedly they have trained many cartel members and are still doing so. Yes I am not current either.
OH then they can use them to quell any uprisings…
just sayin
Get a digital or fractile antenna to pick up over the air tv broadcasts and save a bundle over cable charges. I get 42 to 48 channels this way. Also, get a streaming device like fire stick or rokue to get hundreds of available programs at little to no cost.
Don’t know about “digital”. I have a traditional Yagi antenna in the attic which gets good reception. But there is a push by broadcast industry to move to ATSC 3 with OTT service that they will want to charge you for. Never had cable or any paid streaming. Did have Amazon prime for a while, but for shipping costs, never used the video streaming so dropped it after a couple years.
Why bother with “prime” had that for a while, but when Covid hit, and they took 2 weeks to get stuff delivered, and it went to the mail box instead of the front porch, I ditched it and Amazon. If I can’t find it in a store here, I just do without.
Solarmovies.win has everything.
Thanks for that, Paleo!
I baked a cake in the Air Fryer. It actually work. Only difference was, instead of the cake being flat it had a dome. No problem. Put the icing on and it tasted great. You can find the temperature and length of time for cooking on the Internet. Instead of having the kitchen heat up from the stove in the middle of summer.
I got a bread maker I made bread once it was ok but really I got it for the “knead” function. Way cheaper than a stand mixer. Not as useful obviously but still pretty darn useful. I add my ingredients and hit the button then come back in a half hour and take my dough out to rest. Then use it normally. Pizza and calzones mostly. Flatbreads on the grill. Stuff like that.
I use a rice cooker to steam veggies and re-heat leftovers.
The steam works So.Fast. And nothing dries out.
Add a TBL of flour to the mixture and turn the heat down a notch. Heat too high pushes air up harder, hence, the dome. And don’t grease the sides.
For 15 Years now I have not had cable TV (look at your bill from your provider). I do not want or need tv. I do have Internet for my laptop for work and research and Data for my smartphone. All electronic devices use a lot of electricity and create heat as well. When not using the home internet I unplug the router from the outlet.
If you are planning to use alternative transportation like a bike or e-bike and moth balling a car, disconnect the negative side of your car battery if you can.
The combination of summer heat and the continuous parasitic draw on the battery will make an old battery fail.
Agree. Also, once the battery is disconnected, attach a quality “battery keeper” (trickle/ automated “smart” charger) that will maintain the battery’s charge level without shortening its life.
Maybe block it too. Tires will dry rot.
I use a couple of clothes drying options because so many women’s clothes don’t do dryers at all. The place I had already had properly placed hooks in the ceiling above the washer/dryer area. I bought a dowel from home depot and drilled holes in the ends then partially screwed a couple of screws into the wood. I used clear fishing line to hang each end from the hooks by wrapping it around the screws. Works like a champ, I hang things up that I don’t want wrinkled right away and if I have a few things that are light – beach covers, yoga pants – I hang them from hangers or over the rod right there. I also have a $20 drying rack from Walmart. Sturdier than the first one I bought. I can hang a small load of clothes, towels or sheets on it and leave it in the 2nd bath to dry. I also use it to dry the “rugs” after I spray them down in the bathtub. My “rugs” are those plastic ones that relieve tension in the kitchen. I also have a second tension shower rod in the second bath that I can use to hang dresses on to dry. In my tiny shower, I have a couple of plastic hangers whose hooks can be twisted to hang over a rod. I hang hand washing on those to dry in the shower.
My daughter installed an old fashioned wooden closet pole screwed into the wall studs on one side and a cabinet on the next. I dry many things there. Or pre-dry and finish off in the dryer. T shirts, and my tops I hang on a hanger on this closet pole after spraying with water or canned starch. The weight of the liquid pulls all the wrinkles right out. I also tried something I read here and put one dry towel in the load of towels..they tried much quicker. I also took the advice of Treepers here several months ago and one side of my garage looks like Costco. I bought all this back when food was still reasonable and available . I also bought 10 five gallon water containers from Home Depot. They arrived folded flat and take up no room. I’m hoping I have enough time to fill them when the time comes. They were less than $10.00 each. Good luck folks. I thank God every day I was raised by Dust Bowl Okies who were children during the Depression.
We do too. Dry a lot of things in the hangers in the laundry room. We installed a long rope outside tied to the fence and a tall tree and dry as much as possible there during sunny days – the old fashioned way. And it smells so much better.
I have awful sandy soil, but, wanted a garden. With the fertilizer shortages, I have bought some good soil, but, wanted something sustainable. I am allergic to pretty much all mammals, like llamas and omega (guinea) pig. So, I wasn’t enthralled with the chicken idea. Instead, I just bought an Urban Worm Bed and put it together. I will buy the worms locally after I fix their “bed” cause fishing is big around here. I plan to keep mine in the garage or laundry if the temperatures allow. But others keep them in the kitchen. They can be kept outside, but, not in Florida. It’s easier to use than the trays, which you pull a tray out from the bottom to collect castings, then, use it as a new top for food waste. You can’t give the worms any meats or fats, but, you can give them most of your vegetative food scraps. You also have to give them shredded paper and/or cardboard bedding to keep them from drowning in high moisture scraps. The castings can be used directly on soil unlike most other forms of organic fertilizer that must be composted. I may get a composter later, but, I have read they are complicated to put together. I have a small yard and with Florida bugs, do not want an uncovered compost pile to draw flies.
We also have a sandy soil. I bought a Hot Frog Composter which has two chambers. It works great! This is my first time trying to grow my own veggies and I got started a bit late (we moved to a more southerly RED state in April), but so far I have been able to get some potatoes started with the compost I harvested after about three weeks. I had a huge bumper crop of tomatoes and I have carrots in the works. My peas took off but it got way too hot before they had a chance to set more than one pod and then the sun fried them to a crisp 🙁 Will start them way early next year.
As an experiment, I planted one cantaloupe seed from a farm stand fruit and OMG! It just grew like crazy. Every day it was triple the size. And now, just a few weeks later I have three baby fruits 😀 So exciting!
Next spring, I will have a much bigger veggie garden.
A real easy to grow and quick to ripen is a variety named Minnesota Midget. The fruit is about the size of a big soft ball. They mature a few weeks before the larger cultivars. Seeds available from Botanical Interests online.
I will have to check the Hot Frog out.
You can get a second season out of your peas in the fall most types
Look on YouTube at the Robbie and Gary Gardening Easy channel.
Those folks raise a ton of food in containers, and for fertilizer they use lawn and garden waste.
Great ideas for folks with poor soil and small budgets.
I use a combination of containers and in ground planting for my garden. I mulch heavily with grass clippings ( I never use weed killer on my yard) and shredded leaves.
My soil is now loaded with earth worms.
Also like to bury my kitchen scraps about 6″ below the soil right into my garden, unless they are something my chickens like. They get first dibs!
Also use organic alfalfa pellets for fertilizer. Just make sure they are organic and are not made with any sort of binders. Great for heavy nitrogen feeders, like corn.
Good tip re alfalfa pellets. Thanks!
I am in Florida. I have not actually SEEN an earth worm, but, I KNOW they are there cause everything else is. I have seen rolly pollys (sow bugs), beetles, wasps, snails, slugs, bees, flies, moths, ants, and what looked to me like a flying beetle.
Miami area has imported dung beetles now indigenous – adapted to doggy Doo Doo. Convenient if you don’t pickup after your dogs but what does it do to the soil if you want to plant food?
30 years ago my neighborhood in greater PHX area had earthworms galore but not now. It’s been really bothering my brain – why? We’ve got plenty of other bugs. Only answer I get is that they aren’t native to this continent anyway so don’t bother your brain about it. Still bothers me. I wanna know why.
Maybe a black soldier fly? They’re awesome, especially the larva which are voracious eaters. First time I saw one I was created out, after I instinctively smashed it I decided to identify what it was, then I felt bad and I apologized to the next one I saw. Now when I find them in my compost I leave them alone.
Come to Sopchoppy and learn the Big Bend art of ‘worm grunting.’ You drive a leaf spring in the ground and then rub another leaf spring against it–that’s the ‘grunting.’ Earthworms come rolling out of the Florida sand.
So the best soil, having sold farmland, 1/3 sand, 1/3 clay, 1/3 organic mater.
So you have the sand part covered. Many areas have too much clay and not enough sand.
So add some clay type soils and organic mater and you’ll produce the best farmland there is on this Earth in your own backyard.
You can make a composter with little investment. My Grandmother’s was simply made.
Set up a spot in your yard four foot by four foot.
Put one six foot 4 x 4 treated post sunk 2 feet deep in a post hole and set with quick dry cement.
Get 4 2″x12x8′ by boards untreated. Cut them in half.
Using 4 inch long #8 stainless steel screw, attach four boards on the back side and four each on the left and right sides.
Now, get a good 8 mil or better black plastic sheet to fit.
You pile up your grass clippings and any other organic leftovers you have up against the backboard and continue to pile up said material from the back to the front. Lightly water, then cover with the black plastic. Poke some hole in the top of the plastic using a pitch fork.
Once a week uncover it and turn it with a pitch fork left to right, back to front.
You can add worms to it if you like to help things along and provide fish bait.
I don’t have a spot far enough away from the house for open compost. I put egg shells out and the flies swarm. I am 5’2 and 68. 2 foot post holes are not happening.
I posted this above, don’t know if it might work for you:
What I did was I created a “compost box” from 1/4″ chicken hardware fencing as the “skeleton” (to keep out rodents) with a flap I could open as well. Then I used a part of replacement window screening to encase it to prevent the mosquitos & especially wasps & hornets from getting inside. (I live in TX.)
We made a similar compost set up using old shipping pallets and bailing wire at the corners 15 years ago. No 2′ post holes needed. It’s still up and working today.🙂
How do you do this in Alaska?
Or you can get a few chickens and let them turn the compost for you!
I am allergic to most mammals and down. I love animals but welts are no fun.
I don’t know if I am allergic to chickens, I have to test it out.
We are allowed exactly one chicken.
City of Phoenix used to recycle the old (heavy plastic) garbage bins into composters that they sold for almost free. They drilled holes in the sides and bottoms. Dig a small hole to get them partially in the dirt so the worms don’t have to expose themselves to air and light to get inside and just keep putting your household waste (that is acceptable for composting) in there. You can stir it, or not. If you can get some chicken dung that’ll speed things up. Never tried but perhaps some of those red worms would help too, weather permitting. Some say that chicken dung will burn your garden plants and also needs to be composted. I like to have the chickens free range but mine ate everything I planted – even decorative plants- and one of my dogs (well fed) even ate my rare cacti!
What I did was I created a “compost box” from 1/4″ chicken hardware fencing as the “skeleton” (to keep out rodents) with a flap I could open as well. Then I used a part of replacement window screening to encase it to prevent the mosquitos & especially wasps & hornets from getting inside. (I live in TX.)
Bale gardening works for places w/sandy soil. I got three season out of mine, the third season I planted some annuals, but still was nice. The places where the bales have decomposed have made nice compost. I had fun w/it.
We have an acre. During the pandemic we bought a Palram 8 x 12 greenhouse. We have now a big garden with, among other veggies, 21 tomato plants. We made tomato sauce and freezed it.
They like coffee grounds too, but need equal amount of greens – carrot tops work well.
I’ve been keeping red wigglers for a few years, they live in the house. They eat our kichen waste and I use the castings to make worm tea – it goes further.
Mine will be indoors. Too many outdoor pests would find it and it is not meant for Florida sun or rain. I haven’t decided exactly where.
Plan to plant a fall garden. You can have an in-ground one or a raised bed. There are numerous veggies, etc. that will produce until the first frost. Plus there’s nothing like picking fresh produce, washing and preparing it. It is satisfying and yummy. Seeds and “elbow Greece are less expensive than the supermarket.
Asparagus is very rewarding. It takes 2-3 yrs to get going depending on whether one starts from seeds or one or two yr old roots. For those in hot climates try to get UC 157 starts. They are all male & hybridized for hot climates. Here in AZ they generally can be harvested from mid/late February to mid May. We planted 32 2 yr starts in a 4×10 raised bed (we have no soil) and reap enough asparagus until we are sick of it, then start freezing it. Homeowners can expect 10 -15 yrs of production. Virtually bug and maintenance free. Doesn’t need a lot of water. Not picky about pH, lite feeder. I’ve grown it for years.
Love asparagus and grew tons of it. Then I moved to a new state where both types of asparagus beetles are such a problem that I can’t grow it. I did battle royal for 2 years against the hoards, but finally declared them the winner, especially since a bunch of asparagus was $1.97 in the grocery.
I adore asparagus and would love to grow it, but…which critters eat it? My list in a Massachusetts “suburb” ha! includes:
deer
rabbits
groundhogs
chipmunks
squirrels
wild turkeys
coyotes
one black bear sighting
The one time I tried unprotected rhubarb (which I also love), right up against the house, I found the entire plant sheared off at ground level within hours.
A hundred years ago folks used cold frames to raise greens in, sometimes through the winter. Market gardeners used them to supply restaurants even in the northern US.
Easy to build one yourself, lots of how to videos on YouTube.
Storey’s Organic Gardening also has plans. I inherited my Grandma’s copy decades ago. Copies may be in reprint or 2d hand.
our neighborhood is now calling each other when someone goes to store. If need a few items we all pitch in an pick up.
There’s a lighting product line named “Mr. Beams”, distributed by Wireless Environment Co. They make small, super-bright LED lamps that are motion-and-darkness activated, mainly designed for outdoor use. Powered by AA and C cells, these units can be used indoors as reading and work lights if one positions them so that regular motion triggers their motion sensors.
These are an effective alternative when and if the grid goes bye-bye. I’ve been using about ten of these 24/7 for nearly a decade with zero failures, just regular battery changes. https://www.mrbeams.com/
I have some Mr. Beams, they are a good product.
My expertise in saving energy lies in the kitchen and here’s my set of tips:
I set aside 4 hours 1x a week to prep meals. I use a gas range, an electric crockpot and a charcoal bbq grill mostly. My cookware is quite varied, but my energy savings come from having to clean it once a week vs. 7 times. I have good knife skills, so I tend to buy whole fresh vegetables, fruit, and meat for daily meals then bulk buy canned goods and pantry staples for the disaster pantry. I save myself about 10 hours of cooking and cleanup time per week. I use the dishwasher less, so I’m also saving hot water and detergent cost. Sometimes I challenge myself and use my camping gear, or try ideas people have on survival cooking gear, like a homemade rocket stove made of a coffee can. I don’t bake much during the summer to keep the house cooler.
I have a grocer within walking distance, so when the pandemic started, I made myself walk there with my bag or backpack. There are some nifty insulated backpacks and beach bags with an insulated section that keep perishables cool on the 15 minute walk home. I’d take a bicycle, but there is no safe place to park it at the store : ( ….that forces me to think about what I’m buying, too. If I can’t carry it, I can’t buy it. The car is used 1x month to go on shopping expeditions and I plan my route out to save gas. I carry a large cooler and my own shopping bags in the trunk. All these have kept my food dollar costs fairly even for the past decade.
I am widowed and I freeze my meals. Yesterday was meat loaf day. I cook a huge meat loaf and store in those tiny throw-away aluminum loaf pans from DG…5 for $1.
I do this for veg/beef soup. taco soup, chili, taco mix, beans, mashed potatoes, burger patties, spag. sauce…..night before, take out one, put in fridge, ready for dinner or lunch.
I use the Pillsbury 3/$1 plastics for most things. Holds the right amount for one serving.
My kids are 20 and 25 so this one had slipped my mind. My mother bought us an Oster blender after our first child was born. She also gave us 1/2 pint mason jars. If you unscrew the bottom of the blender pitcher (part with the blades), the mason jars will screw on. Take some part of your dinner, put in the jar, screw on the blades and pulse until smooth. No need to buy the little baby food jars.
In our small town our new sheriff just announced that he is having to let all prisoners out of the local jail. His reason is he does not have enough money to pay the personnel and yet the city has plans and some funds to build a new jail. I ask why build a new jail if we don’t have the people to run it? Our town has been needing a newer jail for some time, but has built many new administrative buildings like the court house. It all’s seems backwards.
A couple years ago I swapped all my light bulbs over to LED and cut my electric bill to about $65. It went well for one season, then They raised the rates rapidly till now it is nearly tripled that. With the push for electric over oil and gas, it looks like the affordable care act all over again. When they pushed that, my premiums skyrocketed and my company that paid for it previously started paying only half. Family coverage was out of reach. Now, the electric companies are raising the cost like crazy, too. While they say electric cars run cheaper, it’s going to really be just as or more expensive and the grid won’t support it either.
The first LED lights didn’t last longer than a few years but the new ones are lasting a lot longer and run cooler.
The WEF just stated private car ownership should be ended. Only the elite will have them. Electric cars are another of their scams. You will
have no car.
Get chickens if you are somewhere where they can free range in your yard, then you have free eggs after any start up costs.
Minimize startup costs for chickens.
Buy 3 laying hens as cheap as possible on Craigslist or trade a friend. (In my area $8 to $20 each)
Use some secure enclosure for them at night. Find a large used dog crate ($5 to 20) then put it up on blocks to help protect from predators prowling around at night ($10 to 30) cover it with a tarp or large trash bags or dollar tree shower curtain just anything water won’t go through ($0 to $5) to protect from flying predators and to keep them dry, find some sticks ($0) to put through the sides for your birds to roost on at night. Then open the door in the morning and close it after they go back in at night. Find where your particular chickens like to lay eggs and collect them from there, you may want to get a wooden egg to leave there to encourage them to lay in the same place. Alternatively you could use a dog pen or make something else. Regular chicken coops can be very expensive and only serve one purpose.
For $45 or less you could have around 15 to 18 eggs a week for a couple years assuming no predator problems.
In my experience, Chickens poop in their sleep. So a dog crate with a pan is easier to keep clean.
I used an existing shed for my coop and covered, fenced run.
I did have to replace the original chicken wire on the run with chain link panels after a dog tore off the chicken wire and killed nearly all my birds.
I can’t free range because of dogs, bears, etc., but I feed the chickens my lawn, kitchen,and garden scraps and am trying my hand at raising sunflowers for seeds as well as corn, for them.
I have a friend that is raising both egg and meat birds, and the feed cost is off the scale at this point.
Coming to a store near you BTW.
Anyway growing your own feed is go way to go.
I told him I grew oats three years ago in a field and I just can’t seem to get rid of them.
Perhaps turning his large grass field into an oat field could provide the food?
Last I knew there was only 2 companies nationwide that makes and sells chicken feed so learning to make your own is a really good idea. All commercial chicken feed in US has antibiotics in it. Check with https://www.google.com/url?sa=t&source=web&rct=j&url=https://www.backyardchickens.com/&ved=2ahUKEwjYvan1l6T5AhW8LEQIHVHNAhUQFnoECAQQAQ&usg=AOvVaw1fdWZkJRJwAeqsMnGgWpaE
There’s some really good information on there. For example, corn heats up chickens so you really don’t want to feed it in hot summers. IDK about oats.
I try to raise food for my chickens, but need to supplement with store bought.
I order my feed from Azure Standard. Don’t think it is made by one of the big companies, like Purina.
Absolutely!
Don’t try to get rid of your oats.
Turn a few chickens into that field when the oats are ripe.
We built our coop entirely out of scrap materials we already had. Fortify fortify, fortify! Use two layers of offset chicken wire to prevent snakes and other critters from turning your egg layers into tasty morsels.
Right! Everything tries to eat chickens!
I’ve not had snakes try to eat adults yet, but some baby chicks.
I like my chain link fence. Will be adding electric fence this year.
Bears.
Be careful bringing home “as cheap as possible” chickens found on Craigslist. You don’t know what health problems or parasites they might have. Then you may face the expense and work of treating them or finding dead chickens.
True. Some soils have organisms that kill chickens. The 1st year (after maturity – usually 6 months) is the best for daily laying – after that they taper off. If you buy a mature layer she’s probably past the highest productivity age. When adding to your flock isolating the newcomers is imperative – they can carry disease that they are acclimated to but can kill your existing flock. Plus chickens are racist, agist, etc. They group themselves by breed, color, age etc. They will kill baby chicks that aren’t their own. Another phenomenon when you don’t have a roo is that one of your hens will become the roo (behaviorally) and you may lose the egg laying from that hen. If they don’t have enough space they will attack you. When they are broody they will attack even though the eggs aren’t fertilized but if they don’t have enough space they will attack you all the time.
Even though my husband had raised chickens in 4-H he forgot and we made our first chickens into pets so the dogs wouldn’t eat them. Big mistake. One flew onto my husband’s shoulder and decided to explore his eye. He is now blind in that eye. They are farm animals not pets!
I am so sorry to hear of your husband’s blindness in that eye.
This is a good point, but less of an issue if someone doesn’t have any chickens. After someone buys their first birds, I assume they will know more of what they want in a bird and buy that in particular or let their hens go broody and hatch more chicks. I wouldn’t buy any animal that looked sick.
When I first got chickens, I had never been around them. I read all the books that the library had. Which I found to have been worthless after I got the chickens home and realized none of those books told me how much food they needed a day and absolute horrors! none said they pooped in their sleep. I had to redo the sleeping situation early on. Only later did I realize that all the local squirrels were so fat because of all the chicken feed I left out for the chickens during the day, not realizing that they were merrily eating grass and bugs and ignoring their store bought ‘proper’ chicken food.
I want the threshold cost to be lower for the risk of the scary unknown of getting chickens for others. Because I eventually was willing to take the risk knowing I could repurpose almost everything for a dog if the chickens didn’t work out, and the cost wasn’t super high, and because there was an immediate return on investment of an egg a day with adult hens (and later I learned much easier to care for).
I received our 4 pullets,teenage, girls on may 5th. We decided on pullets because chicks are a whole nother set of stuff you need to get them raised up to go outside. Unfortunately one of the girls got sick and even though I nursed her for 2 weeks it was clear she wasn’t going to make it and I had to put her down. Hardest thing I’ve ever had to do.
On May 29th we got our first egg. And get a dozen every 4th day or so.
I have Buff Orpingtons and they are the sweetest ever. They sit on my lap and love to be petted.
We did tons of research before we decided on what breed to get, lots of information on YouTube.
Like any other pet there is a commitment you have to make. But the rewards are wonderful.
Since the installation of ” SMART METERS ” for gas and electric with no way to Opt-Out charges have increased drastically.
Nicor Gas Begins Deployment of Smart Meter Radio Modules in Northern Illinois | Smart Grid Awareness
The above link from 2018, is just one of many examples. No more people out reading meters, instead the Gas and Electric companies sweep your usage and every 15 minutes.
The Smart Meters are now WIFI instead of Analog and they emit EMF (electro magnetic frequencies which are very detrimental to your health. The safest distance from them is 40 Feet.
There actually are smart meter EMF shield cages that can be purchased and installed.
I recommend learning a skill. Something you can fall back on to earn extra money or use to barter with. Ex: sewing, net making, leather working, etc.
Find trading partners. People who have skills or resources you don’t and vice versa.
Keep some emergency supplies in your car in case.
Remember to keep your eyes on the Lord. We have to go through the fire to get to the other side, but we don’t have to do it alone.
Living where I do, I’ve always kept emergency supplies in the rig. Right now, I have even got a collapsible shovel, small ax, as well as as much winter supplies and food as I can pack in a weather tight container, and always carry water. Once used a bag of flower to stop an engine fire in the middle of a highway….for someone else. and they had small kids and nothing to put it out with..
I’ve been meaning to put an emergency bag in my car, but keep forgetting to get started with it. What do you put in yours?
Change of clothes, socks, athletic shoes in case you have to walk far, solar charger, multipurpose tool, rope, one of those small fold up raincoats, flashlight, waterproof matches, first aid, water/snack bars…….
what I recall off the top of my head.
So at our house in the PNW we have 30 solar panels, a Nissan Leaf, a garden/orchard that produces 25% of our calories per year.
No electrical bill, no gasoline bill, plus we keep expanding or food production. If we just grew high caloric foods, beans and grains, I think we could push towards 50% in an emergency right now. Plus we have a way to get and store drinking plus growing water for the whole year.
Full meat freezer, plenty of long duration storable food and a way to cook all of it. Enough wood to heat the house for a year, and a way to get more.
It also took ten years of hobby level of effort to achieve this level of self sufficiency. I’m not a big sports watcher, so I used that time.
Everyone should look at what they are spending there time and money on.
Growing food was among the most difficult BTW. It’s not as simple as putting a seed in a hole. I have increased respect for people that do this for a living. There are so many of ways to mess up.
Our current weakness that I’m working on is the grid tied nature of the solar, which I’m gradually fixing as budget allows. Plus an EMP backup for basic power needs.
Given our illegitimate govenor removing our last base load coal plant, 2o%, and even talking about removing our dams, brownouts can’t be too far behind. The grid goes down so does the solar to protect the line workers.
I also want to harden the front door beyond the basics. Just long enough to give whoever is breaking in a proper reception from all seven of us.
There are bars which can be placed under the door knob of any inward swinging door which can buy time during which one can appropriately prepare for an unwelcome guest.
Maybe it’s time for me and my boys to have a 1 hair cut. Chop it all off. Then we do a speed run for a shower max 2 minutes. Cuts down energy bills.
User gas heater for a while and reverse cycle mode of AC to recirculate air as hot air rises. If you have solar use kettle to make water hot and then use for cooking. Also use pressure cooking for certain meat dishes to save on gas. Buy a power bank and charge using solar in the day time and then use it an night. On really hot days try to take a trip to the shopping centre to save on energy cost. Use cycle or walk if nearby. Maybe integrate you energy use specially the aicorns/heater and lights so you know what items are on and their times to control them from even offline. A friend of mine made a switch to only have one light on in every room instead of all. He normally stays in just two rooms. He also blocked all the vents of the aircons in unused rooms. I would not do that.
Yes solar ovens are great, during the summer we have cooked a number of dishes in them, just to practice our skills, including bread from our wheat field.
There is nothing more satisfying than to produce real food 100% independently from the world. We even have a hand grinder, with an electric option. The wheat seeds were from last years crop.
This reminds me I need to add a line to dry clothes.
My mother had one. I should as well.
Blocking vents is probably okay if the place is not humid.
ha! It’s TRUE.
Short/no hair cuts shower time *immensely*.
Difference between a 1o min and 2 minute shower.
Your post made me think of setting your water softener to regenerate every three days rather than every two, or every four days rather than every three. You will save on electricity as well as softener salt
https://fb.watch/d-khgkRic6/ this is sad but hilarious at the same time from an Aussie pensioner 😂
Compared to other suggestions, this one’s paltry — but intended for older folks like me who don’t see as well anymore.
I just finished pulling out about 150 cans of fruit and vegetables from my pantry to re-organize them, pretty much by “subject matter.” It’s too hard to read the expiration dates stamped on the bottom of each can, so I took a sharpie and printed the numbers HUGELY on the front of each label. 6-23, 12-24, and so on.
Then I lined up the cans with the upcoming dates in the front of each row, which forces me to pick the carrots even if what I really want are the string beans (which are now in the back of the row…)
Doing this also helped me see (no pun intended) what I have too much of, and what I need more of.
Interestingly, canned potatoes and canned beets seem to have the longest expiration dates. They go into 2025.
Didn’t bother doing this with the long-term storage No. 10 cans, since I will have expired before they do:)
We are currently eating canned items with a 2012 exiration date. Not the first problem. The dates are not useful at all. They are designed by companies to sell you more as you think the food is no good. Store at 45 to 70 degrees and it will last quite well. Obviously if a can is swollen or leaking do not even open it, toss it.
I just gave away lots of canned goods, 14 buckets of rice, and other stuff.
I cooked taco soup last week; I freeze in one serving containers for me..I’m a widow now.
The BB date on the can of corns was 2012, which surprised me since I made an effort to use those and am now on 2013 cans.
I had the opportunity to re-organize my shelves due to giving away so much. I learned I needed more carrots and green beans and have 5 cases of corn stacked on the food room floor to give away–I had 14 cases!!
Older folks like me remember when there were no such expiration dates on cans and everything as there are now. I for one don’t believe them.
I’ve been annoyed by the obviously fake news expiration dates for years now.
And a wrinkle that really annoys me is that none of the food banks will accept items with an “expired” date.
Some things really do deteriorate – one needs to use common sense. Canned condensed milk is one.
My local veterans food bank will accept “expired” canned food.
I always sharpie mark exp. date on top , sides and front of everything I buy.
If for some reason I can’t read the exp. date I write B/ date (Month/yr I bought it.)
They are making those dates smaller and smaller, harder to find.
Usually do year, month, day, also for computer files. Has the added benefit of automatic sorting.
I’m in Fl and summer heat is a big deal. I try to pump as much hot air out of the attic as possible: 1) got small solar powered fans to pump air out of goosenecks; 2) clean or add extra eaves/gable vents (can use same solar fans there too); 3) tint all windows in the house that get direct sunlight.
Cyclone vents work harder as it gets hotter….and no electricity usage. Buy quality ones, the cheap ones will fail. You can tell the difference in the specs.
The best economic decision we made was selling our home in Arizona and moving to Mississippi to be near family who moved from California a year before.
We paid cash for our home. It’s smaller but has a large yard. Good for our pups. We found out at property tax time that we are exempt. There’s a homestead exemption and, surprise, surprise, a senior citizens exemption which zeroed out our tax. That’s such a big plus for us who live on Social Security.
They do things differently here. The DMV is for getting a driver’s license. To register a vehicle, that is done at the Tax Assessors office. Our yearly runs $36. No smog testing required. Our electric bill runs under $150 even during 24/7 AC or heat. It’s separate from our other utilities which run around $50. Our biggest bill is car and homeowners insurance. So far we haven’t been increased. Gasoline is down to $3.66 this week.
As seniors we are also exempt from hunting and fishing licenses.
This place has been a blessing to us all the way around. Businesses still accept cash and checks. They charge more if using a card. Some businesses don’t accept cards at all.
We are veterans and utilize the VA for our Healthcare. The 2 hours up to Memphis is a long ride but worth it.
For anyone looking to move to a new state be sure to look not only at cost of living statewise but look at counties. The costs of living between counties here in Mississippi vary widely.
Do you ever miss the dry heat?
Yes, a little. Mostly I miss our swimming pool. I don’t miss the monsoons and haboobs. 🙂
I suggest stocking up on so-called mylar “space blankets.” They are AMAZING when used between an exterior door and a storm door to keep solar radiation OUT in the summer and heat IN during the winter. Same for windows. If you buy in bulk (20-30) they barely cost a dollar. Make sure they are the see-through kind. You won’t be disappointed. Respect
Haven’t found the see-through kind yet but found this helpful . . .
https://www.primalsurvivor.net/mylar-space-blankets/
Some people use them in chicken coops and other outside animals!
I agree about the ‘bump’, but something I just recently found out is that our suppliers no longer have to give us ‘advance’ notice of a bump. Where I live, my electricity and gas and phone internet, etc are paid by me, but the cable is paid by the landlord….. who does it by “on line”. He happened to be gone last month, so the rate went up and he wasn’t here,so it got turned off. Was off till he got back, as the idiot that I spoke to didn’t mention that the rate had gone up and no notice was required any more. What the heck do they do is they don’t require a “notice” how many people might get their electricity, gas, phone etc, turned off because they don’t require any advance notice. I’m sure my landlord is not the only one who pays automatically by internet that was not given any notice of a rate increase. What good is the fcc anyhow now. They sure don’t help the consumers at all. Like most of the Federal Employees, they get to stay home. work from home, get paid and don’t have to do the job they are paid to do. At least that is how it works where I live. Can’t even get half of them to get the phones answered, let along anything taken care of. That’s my gripe for the week…..
and worl
Some people have done quite well with on-line banking but we have not. I don’t know how much banking rules change by state but we are clinging to old school as long as we can. We pay direct with a cashier’s check or certified mail. Certain business’s like the electric company are allowed to go into your bank account and help themselves according to their determination NOT your authorization. So if their data collection learns that you are a senior having a hospitalization they can decide to ” help” you without asking you. So multiple businesses go into your bank account unauthorized and “help” you pay a couple months ahead while you’re recovering from your major medical unbeknownst to you. So you come home from the hospital and go to pay rent only to find your bank account drained, a bunch of bounce fees, and no $ left for rent. So here you are with daily nursing in-home, attached to medical equipment keeping you alive and facing eviction thanks to their “help.” We no longer let any business’ even know our bank account number. Always a cashier’s check. THEY DON’T HAVE TO LET YOU KNOW! no rules internet.
I do on line banking, but, only the car insurance can access my bank account directly. The rest I authorize payment by check for the amount of the bill every month. So, far none have done what you describe. I used to have the software automatically pay the bill the utility asked for. But, the bank changed software and that became a mess. So, I no longer do any of it automatically except auto insurance and SS auto deducts Medicare. I think what happened to you is illegal. They should not be able to get unauthorized prepayment. I never liked the idea of giving them my banking info and letting them do the withdrawal. They DO push for that. So far my current system has not resulted in anything like you experienced.
Chickens
I currently have 20 free ranging birds Supplemental feed comes from a trashcan with3, 3 inch holes at the base sitting on a water heater tray. I put a piece of garden fence around the base to keep them out but allow their heads in.
The coop is an old hunting blind shed with lay boxes and two roost bars. I have two large barking great Pyrenees in a dog park next to their coop.
I was food banking and passing out the eggs but I have now begun dehydrating my eggs.
I have a dozen Roma tomatoes plants going in to dehydrate as well.
I try to only buy groceries on loss leaders example Kroger had butter for 179 a lb a couple months ago a bought 144 lbs I bought nothing else that day.
Have you seen YouTubes on liming eggs?
Check it out!
Dogs know. And dogs love.
At a level we two-legs deeply trust as children, but can only dimly sense through the darkening glass imposed by these accrued years.
Make sure your refrigerator / freezer are functioning 5 by 5
For groceries, organize your pantry and freezer so you know what you have on hand. Make a menu, order what you need and pick up. This keeps impulse buys down significantly.
Our grocery also gives a dollar off a gallon of gas depending on your purchases. We have extra gas containers to store safely.
Many stores have a clearance section. We have 8 grandchildren and can often buy several boxes or bags of their favorite snacks. I have also found Naan bread which is easily frozen.
Our local butcher has always had bundle specials. Whole chickens are cheaper than buying pieces.
Cook extra servings and freeze them so you can warm favorite dishes you’ll save time as well as gas or electricity to make smaller portions.
Planning ahead means less waste of resources and will stretch the budget.
Finally, it won’t hurt to fast and pray on a regular basis for God’s forgiveness and mercy as we enjoy every blessing we have.
I am certain most of us saw this coming and are prepared.
We deserve 100% of that which we allow.
At Sundance’s suggestion I put a clean dry towel in the dryer with my sheets and pillow cases.
There was a significant reduction in drying time. I can’t quantify it other than to say it was significant.
It is nice to have a nest egg, but that’s getting harder and we don’t trust the government. The government arbitrarily declared gold illegal once upon a time. They could do it again. Bonds, stocks, funds, etc. can all be seized or mercilessly taxed. Even land can be taken over by the feudal lord.
So, what is lasting?
Only an eternal relationship with the Lord Jesus Christ. Some day the world will be judged through this One who was raised from the dead.
Although the government banned the sale and ownership of gold for a period of time, it didn’t stop the wealthy from hanging on to it. They kept it in case they found reason to flee the country or kept it in overseas accounts. Some just held on to it to wait out the ban and it paid off HUGELY.
Gold jewelry was not confiscated.
A selection of plain wedding rings could come in handy.
If there are more than one person in the house buy a thermos flask (or several) for when you boil water. Pour the water in there and then you have boiled water on tap for most of the day so you don’t need to keep reboiling the kettle for tea or coffee throughout the day. Learnt this trick in The Netherlands where they have had these sky high energy prices for at least the last decade (the plan was implemented early in The Netherlands, I guess).
The energy company levied a tax on your usage and that got incorporated into your total bill. Then the government taxed you on your total bill as well. So you paid tax on tax. It was a nightmare. In that scenario that trick of only boiling the water once and keeping it in thermos cans all day really helped.
We also gathered as a family in one room where we kept the electronics, bought an oil heater and only used that heater in that one room all winter. We kept the central heating on low enough to keep the pipes from bursting but did not put it higher in the unused rooms. If people watched a video/dvd the people on computers put headphones on. And don’t forget non-electronic forms of entertainment like reading to each other, board games, card games and puzzles. With music on in the background that was a lovely way to bond with the family. We never had cable tv as my parents through that out as soon as they saw the levels of propaganda it belched out in the 80’s in South Africa.
The type of want we are going into now will push families back on each other, create a strong bond and this will ultimately be one of the ways that unites everyone (religion being the first) and it will enable us to start resisting the lies spread now by the propaganda.
Also, for food create menus and stick to them. Plan your shopping around what’s on sale and make menus so you can stick to using those food types. That really cuts down on the costs. If you can, buy in bulk. Even if bulk is only two cans instead of one and not the whole crate. You will be surprised how it stacks up.
Go to the different monasteries and Catholic orders in your vicinity. They will help you even if you are not Catholic. I know that in 2008 the French bishops started a micro-credit company that saw a lot of small businesses through that recession and these are going strong now. The Church will have organisational structures in place that they will be happy to put at your disposal if it will help the local community and you have an idea that might work.
Ever since I bought my first house and had the storage, I’ve always tried to keep at least one backup of everything I use frequently, at all times if possible. Less expensive and n0n-perishable items, multiple backups organized by date.
So whenever I notice something I’m using is low, on the list it goes immediately! I always shop with a simple phone app and I avoid impulse purchases like the plague.
That habit is paying off now – few things I detest more than an emergency trip to the grocery for one forgotten item… it’s a game I always want to win.
I thought like that about a lot of things. I ordered a second head set for when I mow. A new weed eater. Got tires and a battery –all installed.
Extra filters for the Berkey. Borax and Arm & Hammer for clothes detergent.
Things like that….not needed now, but will be priced higher when I do need them.
This thread is great. Thank you to all who have shared their tips and tricks. One thing that is very important and not discussed in detail is how to minimize your tax burden.
I am Certified Public Accountant (CPA) licensed in PA. My specialty is taxation (both federal and state). Believe it or not, only about 35% of all licensed CPAs in the United States are tax specialists.
One of the most forgotten about ways to increase your monthly cash flow is to legally reduce your monthly federal tax outflow. Print out your 2021 federal and state tax returns and look at the bottom line. If the total tax you owe (less tax credits) for the year is significantly less than the payments you made (withholding on your paycheck and/or quarterly estimates), then you need to make adjustments to your payments, so that you keep more of your money each paycheck and not send it to the government where hold it interest free until you get in back in April.
Here is an example. Jack and Diane are a married couple (husband and wife) with three children all under 16. Assume their federal calculated tax is $10,000. They then receive the child tax credit of $2,000 per child or $6,000. Total owed to the government is $4,000. Jack works and is paid on a weekly basis by his employer while Diane stays at home with the kids. Given this example Jack should have no more than $76.92 taken out of his paycheck each week to cover his federal income taxes. $76.92 x 52 = $4,000. When Jack and Diane file their federal taxes in April, they won’t be getting a refund or writing a check, because they had their tax withholding done correctly.
Ask your employer for Form W-4 and fill out an updated one. If you want to run sample tax withholding calculations, I recommend this website (all their calculators are fee to use):
http://www.paycheckcity.com
Many families with a similar above scenario will have way too much money taken out (i.e. $200-300 per week). That $125 you sent Uncle Sam to wage war in Ukraine would be better put to use by Jack and Diane each month.
Do this same exercise with your state income taxes as well.
If you have a more complex situation, I recommend engaging the services of a CPA who specializes in tax. What he could save you in total tax burden could well be worth the fee he charges you.
Also, here are some more tips to try to reduce your taxes:
1) If you live in a state that shares a border with Oregon, Delaware, or South Dakota, consider shopping there for non-food items. All three of these states have 0% sales tax.
2) If you live on the border of two states, research the gasoline taxes in each state. Here in PA the gas tax is $0.584 per gallon. For comparison – MD is $0.361, DE is $0.23, OH is $0.3851, NY is $0.4919, and NJ is $.507. When I travel to MD and DE, I take advantage and fill up at lower prices.
3) Pull out your property tax bill and look at the assessment value. Figure out how your municipality/county/school district came up with that number. If you know that your home value is much less than what the government thinks, then appeal their assessment. Call the tax office that issued your bill and ask them what the process is to appeal your tax bill.
4) Move to a state that has no income tax. There are eight of them is our great land – Alaska, Nevada, South Dakota, Wyoming, Texas, Tennessee, Florida, and New Hampshire.
Tax refund on woodstoves 27% this year 22% next year. Includes all installation and chimney work andall materialsstove pipe mortar etc. Has to be a qualifying woodstove meaning it has to meet efficiency standards. A more efficient stove is good though, more heat with less wood. Winter is coming.
New Hampshire property taxes are sky-high, which means the state owns your home faster and faster as you age.
However, I still want to move there someday just to get out of Woke Communist Taxachusetts, and help save NH from a similar fate…
And thanks on the gas tax tip. I just looked them up:
MA $0.24/gallon
NH $0.22/gallon
So, not a whole lot of savings but every little bit counts these days. Gotta get Geoff Diehl in as guv here – he would be a MAGA shakeup for woke blueMA indeed.
Just left NH! Loved it there, BUT, property taxes are way up. Ours were close to 9k when we left, and we did not live in a McMansion.
My husband and I choose to send our kids to private school, but were still paying for public school through our taxes. If you have kiddos, trust me, you won’t want them in NH state schools!
Look, just to be clear, we are not, nor were we then, wealthy. We choose private over public at a tremendous sacrifice. Never, ever regretted that decision.
Yes, no income tax, great!
Please know the wealthier cities and towns are taxed so highly to compensate for poorer communities with less of a tax base. Probably happens in lots of places, but still not right in our view.
Still it is a beautiful state, but became so invaded by Massholes, it is now unrecognizable as the once conservative, mostly Republican state it once was.
Likely is probably better than Taxachussettes! Even though my husband and I were born and raised in MA, it just is so corrupted now, it is a tragedy.
Live well and if you do escape to NH best to go North of Concord.
Chantrell mushrooms are up.
Easy to find an don’t really have any poisonous lookalikes just one really and it’s not even close.
You can find a lot of them and preserve them for up to a year.
Yummy.
Chicken of the woods mushrooms will be coming on soon very very very easy to identify. You can find lots of these literally 20 50 to 100 lbs In one outing .
Can be used any way that chicken is. Do a search and happy hunting.
Puffballs as well.
Home purchases like stuff from lowes etc etc. buy cards off sellers o line there’s plenty of sites . Some give you up to 10 percent off on cards. Some more if you buy bulk.
You can also get moving packet from postal office that gives 100percent discount at lowes.
These tips may sound trivial to some, but they have saved my family a lot of money. I am a woman and enjoy taking care of myself including hair, nails, etc. When the plandemic hit these services were deemed “nonessential” causing me to take matters into my own hands. Once these businesses were allowed to open again, they required masks and/or vaccines which were not acceptable to me or my family.
We invested in hair, nail, and waxing equipment. Over the last 2 1/2 years it has paid for itself and much more. My husband does my pedicures and waxing. My daughter helps me to dye my hair and we have great visits during this time. I do all of the haircuts myself.
I use a mail order company to purchase hair dye which has been great saving me over $200 every 2 months or so. Waxing instead of shaving has saved us a lot because razors are ridiculously expensive and waxing only needs to be done once a month or so. Haircuts were definitely a learning curve, but we are getting better each time.
I regret in some ways not being able to support local businesses that supply these services, but they just basically gave up and offered me no alternatives.
I know that these services are considered luxuries by many (including myself), but I enjoy them and we have found a way to pamper ourselves a little bit without breaking the bank.
Nothing wrong with a little pampering.
I like to have a soda occasionally, so I bought a Soda Stream.
Much cheaper than buying cans or bottles of soda.
And I learned a very easy recipe for microwave fudge using a 12 oz. bag of chocolate chips and a can of sweetened condensed milk. These items usually go on sale during the holidays and store very well.
Way cheaper than buying fudge at the store, and it makes a very nice gift. The recipe is online.
I fell in love with gel nails but could not afford the salon visits. I bought a tiny UV/LED lamp and some polish and do them myself. Took a few tries to get the look I wanted, but, now, I love that I can change colors when I want and/or repair chipped nails.
We have found that many of the normal maintenance and repairs needed we can find How To’s on YouTube. Our dishwasher was fixed, replaced our cabin air filters in all our vehicles, cleaned our woodstove, etc. by watching a few videos, and it has saved us a LOT of money. Also, cut out all fancy coffee drinks, get our books at the library or at Goodwill, use cash instead of credit when there are extra charges, always pay off your credit cards every month so you don’t pay interest charges, switch out regular light bulbs for LED’s, watch water usage closely, cut back on gifts by either giving homemade gifts or taking the person somewhere (like a baseball game or race).
Your post helped to remind me of another tip. I am a huge audiobook person. As a full time wife now, I can listen to them while I chop onions, fold laundry, or myriad other daily tasks. There is an audio book app called Libby that you can access for free with a library card and access many, many audio books. There is no telling how much money that has saved me. I have not been able to find all of the titles that I would like using this app, but certainly enough to keep me occupied.
A good gift idea for older folks is to help them do some chore that they can’t do for themselves, like cleaning out their rain gutters or mowing their lawn.
I use paper plates, especially in summer for sammiches, unless I eat something that is super messy or greasy I will brush off the bread crumbs and reuse the plates for another sandwich, sometimes they will get used several times before I use them to drain bacon, sausage, or cut up something before I toss them. I know that sounds extreme, but seriously they are perfectly fine. Kinda like washing the Zip-loc bags. Same when I use a paper towel for a napkin, two wipes of the mouth and they look unused so I started using them for when I wipe down the counter tops w/vinegar and lemon.
My dog loves green beans, will eat them straight up, he also loves watermelon. I use green beans to stretch out his canned food that gets mixed in w/the dry. Green beans, even though they have gone up, are still cheaper than the canned food I have him on, which has skyrocketed. I buy them by the case at places like Wal-Nut and Aldi’s. They are healthy for him and it was a vet that told me to do it years ago when I had a dog that was getting too plump.
Found this last night, I will be giving it a try.
That’s the first time I can do one better. 🤣 My guy (who also calls them “sammiches” by the way, and I’ve got that habit now), uses a paper towel as a plate for many things including sammiches, so do I; cheese and crackers, a quick fruit snack, nuts, chocolate, the wasa crackers that I spread with hummus, on and on.
The towel of course doubles as napkin and to wipe up any problems. Easy peasy.
http://livingwellspinecenter.com/blog/powerful-powder-uti-relief-and-other-magical-things-to-know-about-cream-of-tartar?format=amp
I saved this, thank you.
There was a discussion earlier in this thread about the cost of Sundance’s laundry detergent alternative relative to the cost of Tide or equivalent.
I have been doing this and thought that Sundance’s method is much cheaper. It is. Walmart prices today washing soda $4.76, borax $5.47, gels -naphtha $1.20. And this gives you enough to last years. Oddly the Walmart online cost was $42.77 plus $1.20. Gotta watch the online prices compAred to in store.
Back then someone suggested Nellie’s laundry soda, ordered some and I’m hooked. 1T per load, cleans fabulously, no grime buildup on the door seal (front load washer).
This is my recipe as well. Just made a bunch–arm and hammer from amazon and borax from DG.
Amish bars I have had for a few years.
The last gallon I made lasted 2 years exactly.
$13 total for those two years!! That was for a family of two…so adjust that if needed.
borax $7 arm and hammer $5 and a $1 for the 2 bars I used.
You can’t bump your own post like this. Can he do that?
At any rate, I can’t say too much here because I’m just extremely smug about it since I know the solution and ain’t nobody want to hear it.
So I’ll just sit here in my corner, warm and cozy from the ever-loving glow of nuclear power.
I mean technically it’s a light bulb and probably lit by a coal plant, but if I had my druthers, it would be a nuke plant.
Thanks, K, Bye.
Y O U R * * * S O L U T I O N ?

He just did.
Even a blind squirrel can find a nut.
My wife is a bargain hunter and frugal – she can make a penny squeal. Recently she went back to frozen orange juice-half the cost of ready made OJ and just as good. Also we have been saving bread bags for some time – we do not buy sandwich and freezer bags – it adds up. Also, buy the light sour cream and mix with onion soup mix to make chip dip – half the price and calories as ready made onion dip.
Can of chicken breast. Buns. Sweet Baby Ray’s BBQ sauce. Drain water from chicken breast, pour into bowl, cover with BBQ sauce, heat. Put on bun, add a slice of Swiss cheese or something if you have it. Quite good and cheap.
Cheaper to buy fresh chicken on sale to cook and shred. Canned chicken is not a bargain.
True, but I like having canned meats on hand in case of shortages.
Great idea. Canned chicken is a great shelf stable, also. The expirations are 3 or more years out. Good alternative when fresh poultry shelves are empty.
We use night lights at night around the house. Unless we have company over
we only have a nightlight on in the kitchen, in the hallway, at the landing of the
stairs and in the bathroom.. It is enough light to see where we are going
but we don;t have to have the light on..
Also since our street doesn;t have streetlights we don;t use our outdoor lights instead
we bought solar lights that you can stick on..we lined the concrete floor of the front porch
with them and they give enough light to see the porch , front door and the garden and walkway.
Also if you don;t have a programable thermostat you should get one. They are great
especially if you forget to turn down your furnace. We keep it set at like 68 in the day and down
to 65 at night. in the winter and we keep it at one set temp for summer ac. .don’t have to remember to turn it down just program it in.
if you have various zones..
Get used to, and practice, making good!food from staples. If it comes down to it; mindset will be the most important. Good food helps to be feel healthy and to stay positive, and without fear. Simple. Good. Faith. Need to practice it.
My most recent discovery was to make 10 second, 3 ingedient mayonaise. Now this was a good accomplishment for a dedicated Helmans only gal :). (And yep, discovered ‘cause we were out of mayo and didn’t want to waste diesel to run to town and was hankering :).
1 cold egg, 1 cup chilled veggie oil, 1 tbsp cold lemon juice (fresh or bottle) – put egg in bottom of narrow jar without breaking yolk, gently pour in oil, then lemon on top. Used hand blender on steady (without moving) for 10 secs = instant mayo. After 10 secs move around a bit if needed to finish blending. Makes a great base coating for baking chicken etc and or dressings with any added spices etc. Keeps for a good week in the fridge so just make a bit as needed.
Easier, cheaper and more versatile to stock up on a bit more oil in the pantry…. & Probably more healthy too :).
Learn to make no knead bread.
YouTube channel Jennycancook has a wonderful video.
MUCH cheaper than store bought bread and ever so much tastier!
I use 1 cup each of spelt, oat and bread flour and add sunflower and flax seeds.