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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.

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.

Books


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 They are not all crappy old out of date books either.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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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
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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.



The latest news puts the death toll of the Victorian bushfires at over 160 people but warn that it could reach in excess of 230.

Although many people have been generous in donating food and clothing, the Red Cross is now saying that they cannot take any more of these supplies and are asking instead for cash donations. Australians have been very generous in support of the families involved. As at 3pm on the 10th February, the Fund had received $25.7 million from over 139,000 website and phone donations, with governments including the Victorian Government and Federal Government and corporates pledging additional sums. Donations are still continuing to flow in but much more is needed, so this year, why not make a donation in your loved one's name or make a joint donation in leiu of a Valentine's gift.

I know many people who read this blog are on a budget but every one of us, no matter how broke we are can afford something. Every dollar helps. Don't forget all donations over $2 are tax deductible.

Show your love this Valentine's Day by doing something really meaningful - reach into your pocket and give to those who have lost so much. If you cannot afford to give money then please donate blood.

Donations can be made using the Red Cross secure online donations form or by phoning 1800 811 700. If you cannot get through on the first attempt please do not give up! They are being inundated with callers not only offering assistance but people calling the incorrect line to find out news about loved ones.

From the Red Cross Website:

Red Cross response (9am, 10 February)

Over 160 lives lost with the number expected to increase as authorities access more homes and discover vehicles in which people attempted to escape the fires.

Two centres in the Beechworth area were re-opened during the night with fires and ember strikes threatening the area.

The Red Cross enquiry centre is continuing to receive a large volume of calls from people concerned about family and friends and we are seeing an increase in calls from overseas as international news services relay the news.

There are still significant numbers of people registering with us so that family and friends can check on their wellbeing. One whole community that was surrounded by fire but spared, has late yesterday come forward to register with us so their loved ones know they are OK.

Over 400 volunteers and staff continue to work in shifts, Red Cross call centres in WA, ACT and NSW have opened to help deal with the volume of calls from people checking on the welfare of evacuees.


Image reproduced from touchpodium.com

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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


[ Click here to read more ]
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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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