Whoops
September 2nd 2009 11:39
Almost let my blog expire. MUST write a post this week. It's in my calendar!
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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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Reading Well on a Budget
May 5th 2009 12:43
If you’re anything like me - and if you’re reading blogs you possibly are – then you love to read. I’ll read just about anything I can get my hands on but even though I love reading blogs etc, I love a good book and the occasional magazines.
I don’t think you can beat a book, curling up in bed with a coffee reading is pure bliss.
Books are now anything from $18 to $25 for a paperback and skyrocket once you get into hardcover territory. (These are all based on Aussie prices but I’m sure they are equally as expensive OS.)
If you live near a local library then I suggest you make use of it. Many of us, in these days of instant gratification shopping, forget these wonderful places. You can borrow books, read magazines and newspapers and with most even use the internet – some even provide free Wi-Fi hotspots so you can take your laptop. But if you don’t have one close by, or just don’t like them, here are a few suggestions to save money for the avid reader.
Do you work in place that has more than say 20 staff? Start a ‘book club – lending library’. I know it sounds very nerdy but we have one in my office and it’s fabulous. Set aside a place, usually an unused cupboard, and get the other staff in on it. Many people like to keep the books they buy – I’m one of them if it’s a loved title. But often when we are finished with them they sit on a shelf never to see the light of day again. With an workplace book club, people just put their unwanted books in the cupboard for others to take. With ours, we pay $1 per book which we donate to charity but I think another good idea is that you don’t take a book out unless you are putting a book in and when you are finished return it so that others can read it too. You would be surprised how many people you can get involved and it’s a wonderful source of material. Our cupboards currently hold around 200 titles! They are not all crappy old out of date books either.
Share books with friends. If you have the same taste then swap books when you have finished reading them. A friend and I are both into dystopian novels at the moment so we are sharing what we read, I’ll buy one title and he’ll but another and then we swap. We also get together to buy online to make use of the discounts.
Use second hand book stores. You can get almost anything at sometimes less than half of what you would pay for the new book.
Buy books from large discount department stores. Here you will have a much more limited selection but places like Big W, K-Mart and Target sell their books for 20-35% off the RRP. That’s a huge saving and this is where I buy a lot of my books. I’d really love to support actual bookstores but I want to support my wallet even more so the big chains get my dollars.
Online bookstores can save you large amounts as well. Just don’t get caught by the postage amount. If it negates your discount it’s absolutely pointless for money saving. My favourite online bookstore in Australia is fishpond.com.au. They package things up really well, post quickly, have genuine discounts on books, music and DVDs and if you spend over $50 at once (buy books with your friends if you can’t afford it), the postage is free. Of course everyone knows about Amazon. The range is huge and you can buy new or used. If you’re buying from in the US or Canada, they also have great postage deals.
If you buy glossy magazines stop and think about how much you are spending each week! They are very costly. I used to pick up a mag to read on the train but found most of them are chock full of ads and bore me to tears so I now take books or pick up the free newspaper that is given out each afternoon in Sydney called MX.
The average Cosmo, Cleo, Marie Claire type magazine for women costs around $8 per issue. PC, tech, science, motoring, movie and music magazines run at about the same (not sure about the magazines wrapped in plastic guys, do they charge by square centimeter of flesh?).
Weekly gossip mags are the worst at around $3.50 to $6 and if you buy two or three of them a week as I’ve seen many people do that adds up to serious amount of cash. If you really can’t go without knowing if Britney has shaved her head, or is off her head, or if Paris Hilton has been caught knickerless…again…then get together with one or two friends that also buy them and buy one each and swap them over to the next person. While you are buying Marie Claire a friend could be buying InStyle if they’re what floats your boat. Or once again, set a reading area where you work and ask people to drop off their magazines when they are finished rather than throw them out. A staff kitchen is a good spot.
And don’t forget online. You can read most newspapers online and there are loads of sites that cover every imaginable topic and you obviously have access to a computer or you wouldn’t be reading this. Almost any topic you can find in a magazine you can find online. If you’re on dial-up it can be very slow loading pictures and make sure you don’t go over your download limit.
I don’t think you can beat a book, curling up in bed with a coffee reading is pure bliss.
Books are now anything from $18 to $25 for a paperback and skyrocket once you get into hardcover territory. (These are all based on Aussie prices but I’m sure they are equally as expensive OS.)
If you live near a local library then I suggest you make use of it. Many of us, in these days of instant gratification shopping, forget these wonderful places. You can borrow books, read magazines and newspapers and with most even use the internet – some even provide free Wi-Fi hotspots so you can take your laptop. But if you don’t have one close by, or just don’t like them, here are a few suggestions to save money for the avid reader.
Do you work in place that has more than say 20 staff? Start a ‘book club – lending library’. I know it sounds very nerdy but we have one in my office and it’s fabulous. Set aside a place, usually an unused cupboard, and get the other staff in on it. Many people like to keep the books they buy – I’m one of them if it’s a loved title. But often when we are finished with them they sit on a shelf never to see the light of day again. With an workplace book club, people just put their unwanted books in the cupboard for others to take. With ours, we pay $1 per book which we donate to charity but I think another good idea is that you don’t take a book out unless you are putting a book in and when you are finished return it so that others can read it too. You would be surprised how many people you can get involved and it’s a wonderful source of material. Our cupboards currently hold around 200 titles! They are not all crappy old out of date books either.
Share books with friends. If you have the same taste then swap books when you have finished reading them. A friend and I are both into dystopian novels at the moment so we are sharing what we read, I’ll buy one title and he’ll but another and then we swap. We also get together to buy online to make use of the discounts.
Use second hand book stores. You can get almost anything at sometimes less than half of what you would pay for the new book.
Buy books from large discount department stores. Here you will have a much more limited selection but places like Big W, K-Mart and Target sell their books for 20-35% off the RRP. That’s a huge saving and this is where I buy a lot of my books. I’d really love to support actual bookstores but I want to support my wallet even more so the big chains get my dollars.
Online bookstores can save you large amounts as well. Just don’t get caught by the postage amount. If it negates your discount it’s absolutely pointless for money saving. My favourite online bookstore in Australia is fishpond.com.au. They package things up really well, post quickly, have genuine discounts on books, music and DVDs and if you spend over $50 at once (buy books with your friends if you can’t afford it), the postage is free. Of course everyone knows about Amazon. The range is huge and you can buy new or used. If you’re buying from in the US or Canada, they also have great postage deals.
If you buy glossy magazines stop and think about how much you are spending each week! They are very costly. I used to pick up a mag to read on the train but found most of them are chock full of ads and bore me to tears so I now take books or pick up the free newspaper that is given out each afternoon in Sydney called MX.
The average Cosmo, Cleo, Marie Claire type magazine for women costs around $8 per issue. PC, tech, science, motoring, movie and music magazines run at about the same (not sure about the magazines wrapped in plastic guys, do they charge by square centimeter of flesh?).
Weekly gossip mags are the worst at around $3.50 to $6 and if you buy two or three of them a week as I’ve seen many people do that adds up to serious amount of cash. If you really can’t go without knowing if Britney has shaved her head, or is off her head, or if Paris Hilton has been caught knickerless…again…then get together with one or two friends that also buy them and buy one each and swap them over to the next person. While you are buying Marie Claire a friend could be buying InStyle if they’re what floats your boat. Or once again, set a reading area where you work and ask people to drop off their magazines when they are finished rather than throw them out. A staff kitchen is a good spot.
And don’t forget online. You can read most newspapers online and there are loads of sites that cover every imaginable topic and you obviously have access to a computer or you wouldn’t be reading this. Almost any topic you can find in a magazine you can find online. If you’re on dial-up it can be very slow loading pictures and make sure you don’t go over your download limit.
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Comments (9)[ Link ]
Hiatus
February 21st 2009 01:25
Due to personal circumstances I am taking a short hiatus from blogging. I hope you will all understand and that I don't lose my lovely audience. I'll be back to it as soon as I can.
Cheers to you all.
Cheryl J
Cheers to you all.
Cheryl J
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Posted By: Cheryl J - Category: Hair and makeup, Skincare and products, DVDs / CDs, Movies, Alcohol, Eating out, Credit Cards, Mortgage, Renting / Sharing, Cars, Holidays, Books, Comics / Childrens, Magazines, Cameras, Computers, Gadgets, Internet, Phones, TV
This Valentine's Day Give to The Bushfire Appeal
February 10th 2009 05:34
Each year millions of dollars are spent by lovers' giving the gift of flowers, chocolates and expensive dinners on Valentine's Day. This year I'm asking people to give a gift of real and unselfish love - donate to the Australian Red Cross Bushfire Appeal.
[ Click here to read more ]
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Read More[ Link ]
Posted By: Cheryl J - Category: Hair and makeup, Skincare and products, DVDs / CDs, Movies, Alcohol, Eating out, Credit Cards, Mortgage, Renting / Sharing, Cars, Holidays, Books, Comics / Childrens, Magazines, Cameras, Computers, Gadgets, Internet, Phones, TV
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[ Click here to read more ]
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
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Posted By: Cheryl J - Category: Hair and makeup, Skincare and products, DVDs / CDs, Movies, Alcohol, Eating out, Credit Cards, Mortgage, Renting / Sharing, Books, Comics / Childrens, Magazines, Cameras, Computers, Gadgets, Internet, Phones, TV
Gear grinding, dead microwaves and the one finger salute.
November 1st 2008 06:55
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[ Click here to read more ]
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
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Posted By: Cheryl J - Category: Hair and makeup, Skincare and products, DVDs / CDs, Movies, Alcohol, Eating out, Credit Cards, Mortgage, Renting / Sharing, Books, Computers, Gadgets, Internet, Phones, TV
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 ]
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
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Posted By: Cheryl J - Category: DVDs / CDs, Movies, Alcohol, Eating out, Credit Cards, Mortgage, Renting / Sharing, Books, Comics / Childrens, Magazines, Cameras, Computers, Gadgets, Internet, Phones, TV
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