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Saving dollars with sense. I'm hoping to help the masses save their pennies by providing information, links and by sharing my experiences...no matter how embarrassing they may be....and also hoping you'll share yours.

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Want To Make Easy Money? Just Focus...

November 5th 2008 09:01
Have you ever participated in a ‘Focus Group’?

A focus group is a form of research in which a group of people, in an informal setting, is asked about their attitude toward products, services, concepts, advertising ideas and product packaging, The groups are interactive and usually have between between 6 to 12 people where participants are free to talk with other group members and air their views – the more honest the better.




The best part of a focus group is that anyone can register for them and they pay well for a couple of hours of your time and your opinions. Plus as an extra they generally provide refreshements. As subjects vary from advertising and testing of products ranging from washing powder to wine to insurance to holidays and even children’s television habits, there is something for everyone.

The best thing as they are held worldwide, mostly in the larger cities and it’s free and very easy to register.

I have done a number of them myself over the years, had some fun, been bored out of my skull and once was paid $80 to walk in and walk out again. Score! Apparently that sometimes happens. If they have overbooked (which they sometimes do to ensure numbers) first in will sometimes be given the option to stay and participate or leave with the cash. No-brainer really, I was out the door in five seconds flat calling a girlfriend to see if she wanted to have coffee as I had an hour and a half up my sleeve and some moolah.

Although you usually sign an agreement stating that you won’t talk about the group especially until after a product launch I’ll spill the beans on some I’ve been to without giving away any secrets.


I have participated in:

• A group where we had to give our opinions on the direction a winemaker was taking with the new branding of their products to see which demographic they had the best results with. They sucked. All of those bottles and all we got was OJ and a few bad sandwiches but after 90 minutes I was $70 richer.

• A laundry detergent which had been modified and modernised. They gave us all free unmarked bottles of the stuff to take home and use for a month and then go back for a 5 minute interview to tell them what we thought and to see if we could guess the brand. Not that it mattered, they just basically wanted to now if it was recognisable in its new form. I got $80 and didn’t have to buy laundry liquid for 3 months.

• APEC – Now that was funny. It wasn’t what we thought about security or the fiasco of having the city locked down. It was to see what we thought of the advertising leading up to it! Great food and drinks served and pocketed $80.

• A bank (who shall remain nameless) who played us four different advertising campaigns, filled us up with the most delicious food and wine and beer. I had so much fun the two hours flew by and they were by far the best payer at $100.

• Taste testing cereals. I actually got paid to tell people if I felt their cereals still tasted crunchy or had a nice texture. We only had to take a spoonfull of each but I did it in the afternoon so some people may find that weird. That’s the normal time I have breakfast so that was an easy one.

The least I’ve been paid was $50 and the most was $100 but I spoke to another woman in one group who had once been flown from Sydney to Melbourne and back to check an airline’s service and spent the day down there shopping…and they paid her. Damn, where was I when that one was handed out?

Anyway, the point is anyone can register; they will call or email you when people in your demographic are needed and there are few simpler ways to make money. But beware, every group has a complete know-it-all who tries to monopolise the whole thing and is usually a giant pain in the arse. It can be fun shooting them down in flames, especially when everyone starts to feel the same about them. In our wine group we had a wine ‘connoisseur’ who had a ‘cellar’ and knew everything there was to know about wine…except how to actually pronounce the varieties which had us all in fits of giggles when he kept referring to Pinot with a hard ‘T’ and Sauvignon with a hard ‘G’. Easy mistakes to make…but not for a self proclaimed ‘expert’.

What have you got to lose? Sign up and you may just make some easy cash and actually have a say in something.

Here is a directory for Aussie Market Research sites that present focus groups.

For other countries I suggest that you do a Google search in your using the terms Market Research and Focus Groups. I couldn’t find similar directories for other countries but there were so many companies all over the world that you can register with it won’t take much effort for you to find a few wherever you may be.

Get out there and have your opinions heard and line your pockets at the same time.
Have fun!


Picture from Really Long Link
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This week has been so much fun for me. That would be a big fat NOT. My car has decided that it no longer wants to function in society and is sulking in the corner of my carpark all covered in leaves and cobwebs. I could of course take her out for a spin. I can’t tell you how much joy it is to be in heavy traffic and have to stop and turn your car off and on just so you can change gears. It’s definitely an attention getter, so many lovely people have tooted their horns at me, it’s such a friendly city that everyone just wants to say hi so I just give them a wave and so I don’t strain myself too much it’s usually only with one finger and restart my car and off I go, praying that the next light will be red so that I can have an actual reason to stop the car. I often get the same wave back so it’s nice to see we’re all conserving our energy.

My microwave, after 14 years of faithful service, also passed away this week. May it RIP. I got home from a hard day at work, threw my leftovers in and turned it on. It lit up and spun its little heart out as usual and I went about my usual routine only to find that shock, horror, my food was still stone cold after 10 minutes. Now I have to resort to the very messy heating things up on the stove until I go and get a new one (I’ll keep you updated on how I get the best price on that one). It was just a bother and not a tragedy until this morning when I went to make my coffee with my little stovetop espresso maker and went to microwave my milk. Damn it! I had to do that on the stove too. Grr. I’m not happy before my coffee.



The great and final straw this week was coming home to find that my phone (and subsequently my internet) was disconnected. After much foaming at the mouth and dissing my bank for not putting through my payment my phone provider reconnected pretty quickly. Then I discovered that it wasn’t the bank’s error but the phone company’s and now I have paid them twice and I’m armed with the receipts to prove it. I just cannot afford to be forking out twice in one month so someone is going to feel my tiny boot in their backside when I call them on Monday and demand a refund of my double payment. The shoe maybe small but the kick will be like a mule (I always seem to make an ass of myself).

Now I have a few posts almost finished to add to this blog and hope to post at least once if not twice per week but I need your help. I’ll be posting on various money saving tips from reading, to eating out, buying clothes, furniture, finding great credit card deals etc , but to make this site the best source of information I want to know what YOU want.

Are there particular topics you want covered such as how to save on mortgage repayments, going on holidays, anything at all? Plus, it does not have to be Australia-centric. I am happy to research topics for you if you live overseas.

Not every topic I write about is going to be of interest to everyone. Some of you might be just leaving school or at uni and trying to find ways to make your dollars stretch so that you can buy a new PS3 or find a way to rent or share a place successfully. Some of you may be hit hard by what is happening with the world economy and want to know about refinancing home loans or how to take your family fun places without taking a hammer to little Johnny’s piggy bank.

This is a blog where I hope to get you guys involved and be a bit of a forum for sharing info and although I have lots up my tiny sleeves, I’m sure many of you all have found brilliant ways of keeping the moths out of your wallets without resorting to the old Mortein. I love how so many people joined in on my Mr Myagi post and gave tips on saving and shaving

The next few posts are going to cover things like entertainment, holidays (or vacations for you Yanks out there) and freebies for your computer.

Stay tuned too for the first giveaway which will happen in the not too distant future.

And please leave requests in the comments...

...so tell me what you want what you really, really want and I’ll attempt to zigazig ha. And can someone tell me what the lyrics to that Spice Girls song mean?! What the hell is a zigazig ha? Now how many of you have are going to have that shocker of a song going around in your head now? Whoops, my bad


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Mr Myagi and the Art of Hair Removal

October 29th 2008 06:45
One way to save some cash is in the area of beauty maintenance. We all want to look and feel our best but this now comes at serious expense. Some things you can do yourself, other things should be left to professionals but there are many ways to save and still look and feel your best. I’ll try to give you the benefit of my experience so that you can save yourself some pain and humiliation and you can laugh at mine instead. This post is all done from a female perspective so if there are any guys out there that are willing to give us tips, please leave comments!



Todays topic is hair removal
- It goes without saying that waxing is probably the best method of removing unwanted hair but it isn’t cheap. Personally I think waxing legs is a luxury I can’t afford so I choose the cheaper method of shaving. It’s fast and effective. Buy the best disposable razors you can afford. It does make a difference. Although you can shave perfectly well with the cheapies if you make sure you shave with the right products. If you can’t afford shaving cream then use sorbolene, it is cheap and moisturizing and I’ve found the one for babies is even better. Don’t use soap. It is not lubricating enough and you’ll most likely get a bad shaving rash and very dry skin. But, bikini line is a different matter. Shaving is no-no! The itching regrowth will send you crazy and you’ll feel like a porcupine. Plus, walking around scratching at your bits is most unattractive.

There are do-it-yourself waxing products for those brave enough to give it a go. Some are messy, some are hopeless but some are really good and much of the time it’s trial and error to find what suits you best. Ask your friends what they use. Anything that comes with wax on a plastic strip I have always found to be terrible; if you end up with sticky hairy legs from them they just don’t have the strength to remove bikini line hair. The sugar based home waxes are usually quite good and there are heaps of products now made specifically for the sensitive skin of the bikini area. You can also use depilatory creams, I personally won’t be using them, call me strange but I don’t want to be putting chemicals that can dissolve hair anywhere near my precious nethers.There's a chemical warfare I don't want to be having.

If you’re into Brazilian waxing then you can do-it-yourself if you have the right equipment, a very high pain threshold and you are very flexible – a third hand would also help but you can’t have everything. Sometimes you might be able to rope your partner into helping if they have a particularly sadistic streak but you are not going to look at all sexy while this is going on so it may defeat the purpose. There will be swearing, contortions of a not so glamorous nature and facial expressions that will border on the comical to the look one would expect if you had just been partially devoured by a rabid shark. Mention a Brazilian to a man and you’re likely to see a dreamy expression; mention him getting one and you will see a face that looks like he’s just witnessed a horrible disfiguring accident…or his favourite footy team being trounced. Although there are the brave boys who partake of the lovely colloquially termed Back, Sac and Crack wax. These guys have my utmost respect. Most men are babies when it comes to pain. Come on guys, won't just one of you "teste"fy as to what it's like and if you've found a cheaper alternative?



As you know if you’ve ever had one they are painful and if you think for even one second that you will chicken out, do NOT go there! I seriously doubt that there are emergency beauticians who will make house calls because unlike Mr Myagi you have managed to wax on but not wax off.

I saved up and spent the money and bought a new professional wax heater and good quality Brazilian wax from ebay for a great price. It’s also easy for underarms. The initial cost was probably half again what you would pay for a salon Brazilian. I do maintenance waxes myself at home. It hurts like hell, it’s difficult and at times I’m sure I look like a demented pretzel but it gives great results. I would never suggest you do this if you haven’t waxed in a while. Remember what you’re working with here and know that if you’re not incredibly careful and confident you can do yourself a serious injury. That’s why it costs so much for a professional to do it for you. They’ve been trained, (possibly at The Pond's Institute) a very reputable scientific centre if ever there was one..

I do maybe every third wax myself but if I’ve been slack I always go back to the beautician to get it over with quickly and with a great deal less pain. If you do decide to do this (and I take no responsibility for your actions or results), try very small bits first to see if you can handle it and have a trusted girlfriend or boyfriend ready to come to the rescue and rip it off if you chicken out. Take real notice of what your beautician does next time you have one so you know how to do the job properly and safely. Many beauty therapists are happy to show you although they will never recommend it. Partly because they will lose business, but also because it really is risky and painful – but not impossible. The most important things to remember are temperature testing, dry skin and your skin must always be held extremely taut – that’s where the extra hand would be, well, handy.

Even though a gin and tonic or a nice glass of red would help dull the pain I suggest you leave that as an ‘Oh God it’s over’ treat or you may wax off more than you bargained for. Plus the Emergency Ward nurses might think it’s a chuckle but you are going to be deathly embarrassed if you ‘glue’ your butt cheeks (or worse) together!

I’ve tried those epilators that look like shavers but rip the hair out by the roots and I can honestly say they must have been invented by the Marquis De Sade. Slow and torturous, it felt like I was being attacked by a swarm of killer bees with blow dart guns with darts dipped in acid.

I know there are many of you whose budget can’t extend to a salon wax at all and that’s when products like the great Australian do-it-yourself depilatory kits by Nads come to the fore. They are affordable and natural and come with great instructions. Not only do they have bikini kits but they also have a great little wand for doing your eyebrows. Speaking of which, DO NOT try and wax your own eyebrows with normal bikini wax, if it drips you can kiss your eyelashes and possibly your vision goodbye! Yes, I was actually stupid enough to try this once and I won’t go into the hours and ridiculous measures taken to save my glued up eyelashes and the bald patch I suffered suffice to say lesson learned the hard way. If you want to look like a pirate with an eye patch go right ahead. Yes I’m a moron….but moving right along.

I now more sensibly prefer the cheaper old fashioned plucking but I did spend a bit extra getting tweezers with a little light attached called La Tweeze. They are not the cheapest available but they are amazing and you can get them from most pharmacies. You get a far more professional result and they also double as a great first aid tool because removing splinters with them is a breeze.

If you need to remove hormonal or excessive facial hair, please do not shave unless you want to end up with a beard or a mo like a man. You will need to wax or bleach. There is nothing more out there than your face. Plus some bleaches can cause horrible skin reactions. You must patch test them first. For a small amount of hair I would recommend bleaching, for longer or more hair waxing may be the answer. Both are easily done at home after you've seen a professional at least once. This is one visit I recommend paying for the first time. If it's only one or two bothersome hairs, just pluck them out.

I also save money by going to a great beauty salon that has a loyalty card. Every 5th treatment is free and they don’t charge any more than anyone else and they don’t have an expiry date. Ask around and find a salon that has one, it will save you a small fortune in the long run.

Let us know how you go or if you have a great product you use.

Share your tips and better still any humiliating stories, they're always fun!


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Sense and centsability

October 27th 2008 11:06
Well this is just a little introduction to tell you what kind of things I’ll be posting on this site. As you may have guessed from my woefully pun-filled blog site name, it has to do with ta-da…Cheryl J’s version of budgeting.

As a bit of background, through circumstances completely out of my control, I’m poor. Not homeless poor but I do it tough. Around 10 years ago I got sick, incredibly – unable to work, barely able to function – sick. I lost my job, I lost my home but I didn’t lose my sense of humour or my ability to adapt. So I thought I’d share some of the things I’ve learned about how to live well when you barely have two cents to scrape together. Now unless you’re a high income earner with a large disposable income, everybody wants to save for something


[ Click here to read more ]
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