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Author Topic: Making ends meet  (Read 22084 times)

KharBevNor

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Re: Making ends meet
« Reply #50 on: 15 Apr 2011, 05:46 »

Who needs bread when you've got two for one on gardening gloves?
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McTaggart

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Re: Making ends meet
« Reply #51 on: 15 Apr 2011, 06:02 »

P sure he means something more along the lines of picking up some heavily reduced mince that you can throw in the freezer even though it's not on your list.
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The Seldom Killer

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Re: Making ends meet
« Reply #52 on: 15 Apr 2011, 06:06 »

Who needs bread when you've got two for one on gardening gloves?

What the hell are you on about?
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Joseph

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Re: Making ends meet
« Reply #53 on: 15 Apr 2011, 08:11 »

Also consider dumpster diving.
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KharBevNor

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Re: Making ends meet
« Reply #54 on: 15 Apr 2011, 09:33 »

Actually you might want some gardening gloves for that. A good pair of somewhat waterproof, somewhat protected work gloves that you only use for that one purpose are pretty much a bin-raiding essential, because you really don't want to shove your unprotected hand into a wheelie bin at night.
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The Seldom Killer

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Re: Making ends meet
« Reply #55 on: 15 Apr 2011, 09:47 »

I assume it was a joke playing on the fact that not just food, but almost anything in a shop can be on sale, including things like gardening gloves. You didn't specify that you meant food on sale was worth considering, leaving your post exposed to attack from the dashing yet merciless rogue called Khar.

I realise that but all the same. I think anyone of sound mind is going to know that supermarkets are never going to put gardening gloves on two for one.

The man is clearly off his rocker.
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Katherine

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Re: Making ends meet
« Reply #56 on: 15 Apr 2011, 16:28 »

Aren't all gloves two for one?

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Edith

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Re: Making ends meet
« Reply #57 on: 15 Apr 2011, 18:45 »

I had to go to an office party sort of thing at a restaurant tonight, and the portions were huge so I have leftovers. I had baked fish and french fries, so tomorrow I will chop up my fries heat them in a pan and make scrambled eggs and put some salsa on. Then for dinner I'll have a baked potato and I'll flake the fish and add some broccoli and put that in the potato with some cheese.

Using leftovers creatively will save me money and taste delicious!
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Johnny C

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Re: Making ends meet
« Reply #58 on: 15 Apr 2011, 19:18 »

Who needs bread when you've got two for one on gardening gloves?

cost-saving tip: get a stone mill + grow your own grains. for great economic justice
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tania

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Re: Making ends meet
« Reply #59 on: 15 Apr 2011, 19:23 »

i bought basically my weight in peanut butter way back in february when the biggest jars of peanut butter possible were on sale for buy one get one free and for something like $10 i am set for peanut butter sandwiches for the entire rest of my life. these fucking jars take up like half my cabinet but i will never, ever buy peanut butter ever again. best purchase i have ever made. even if they aren't on your list, grab those deals when you see them
« Last Edit: 15 Apr 2011, 19:27 by tania »
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Johnny C

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Re: Making ends meet
« Reply #60 on: 15 Apr 2011, 19:33 »

when i was living on my own there was a sale at sobeys for buy a pack of bacon get two free.

i want you to reread that sentence and then predict what my freezer looked like
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Johnny C

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Re: Making ends meet
« Reply #61 on: 15 Apr 2011, 19:34 »

i left a pack there, as a thank you gift, and because i didn't want to take it in the move because like seriously
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Lupercal

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Re: Making ends meet
« Reply #62 on: 16 Apr 2011, 07:30 »

After a lot of  link hopping, some link in this thread was the reason why yesterday I actually ordered clothes online - oh yeah free £10 discount. Thanks to everyone who has linked because I seriously have no idea which one it was.

The only thing I ever see on buy one get two free is Pringles. NOBODY CAN EAT THAT MANY PRINGLES.
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Darkbluerabbit

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Re: Making ends meet
« Reply #63 on: 16 Apr 2011, 10:05 »

I can guarantee that at some point I have eaten three cans of pringles in under a week.
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The Seldom Killer

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Re: Making ends meet
« Reply #64 on: 16 Apr 2011, 10:21 »

I'm fairly certain that at several points I have consumed three packs of pringles in a night. I may have been stoned at the time.

Worth noting that in the saving money column, DON'T GET STONED features pretty highly.
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Johnny C

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Re: Making ends meet
« Reply #65 on: 16 Apr 2011, 12:44 »

Pringles are stupidly expensive/fattening too.

the former's only true if you're buying pringles-brand pringles. go no-name 99¢ chip tube! go into my arteries and kill me
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Papersatan

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Re: Making ends meet
« Reply #66 on: 16 Apr 2011, 12:51 »

also, at buy one get two free they are no longer so expensive. 
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StaedlerMars

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Re: Making ends meet
« Reply #67 on: 16 Apr 2011, 12:52 »

I definitely ate that many Pringles on a regular basis while studying for my Bachelors. Yeah, largely because of the 2 4 1 deals.
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Metope

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Re: Making ends meet
« Reply #68 on: 16 Apr 2011, 13:39 »

Sometimes a tube of Pringles is ehm, was my dinner for the day.
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tania

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Re: Making ends meet
« Reply #69 on: 16 Apr 2011, 13:41 »

i've definitely eaten half a bottle of antacids for dinner at least once so you've all still got mountains of respect in my book
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Metope

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Re: Making ends meet
« Reply #70 on: 16 Apr 2011, 13:56 »

Well I've definitely done that too.
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Re: Making ends meet
« Reply #71 on: 16 Apr 2011, 14:02 »

on this forum we keep our poor dietary choices varied and flexible
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Papersatan

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Re: Making ends meet
« Reply #72 on: 16 Apr 2011, 14:33 »

Are Pringles pricey over seas? because they are like 1.50 a tube here.  Like, there is no way piles of bacon is cheaper than Pringles, even if they weren't on sale. 
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Metope

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Re: Making ends meet
« Reply #73 on: 16 Apr 2011, 14:37 »

Yeah, I'd say it's about twice that in the UK (at least that I've seen), and even more in Norway. If there's a 2 for 1 deal (this happens quite often) it's not pricey at all, but the original price is a bit steep.
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David_Dovey

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Re: Making ends meet
« Reply #74 on: 16 Apr 2011, 16:34 »

$1.50 for the big tube? If so, that is cheap. I think they were about $4.50 from convenience stores here, probably about a buck/buckfiddy cheaper in like such as supermarkets. Which is comparable to other chips, really. I ate a lot of pringles when I was working nights. Speaking of poor dietary choices, guess who's got a pack of Tim Tams and a big cup of coffee sitting in front of him right now?
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Papersatan

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Re: Making ends meet
« Reply #75 on: 16 Apr 2011, 18:42 »

The normal sized one, the "100 chips in every can" one.  Also they have them as a special buy at Aldi all the time.  You guys have made me want Pringles now.  :/
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Lupercal

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Re: Making ends meet
« Reply #76 on: 19 Apr 2011, 03:40 »

Well, it turns out that supermarkets in the UK are in fact doing buy one Easter egg, get 2 free. Walked out of work the other day with a load of them. £2.50 for 3 easter eggs? Hells yeah. Then I remember that its Lent and I shouldn't really be indulging, but meh.

I'm more of a fan of Doritos and triangular-nacho type crisps (or 'chips') because flavoured Pringles taste weird after about half a tube. And lets face it, you're at least going to eat half a tube.
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allison

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Re: Making ends meet
« Reply #77 on: 19 Apr 2011, 05:33 »

Here is a question about frugality.

There is a product by Smashbox (it is called Photo Finish if you are wondering) that I use in place of foundation in the summer. It is a clear base that takes away shine and makes my skin look super smooth and pretty. 1 oz of this stuff costs $44. I was debating buying it and the sales person showed me a drugstore-brand equivalent for only $21. However, the jar only contains 0.5 oz. Should I just splurge on the brand name that I have used in the past, because in essence it's the same price?
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McTaggart

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Re: Making ends meet
« Reply #78 on: 19 Apr 2011, 05:54 »

If you're happy with the one you're using and the difference is, what, <5% then keep doing what you're doing. Think of the extra money as insurance that you're getting a product you know you like and not risking dropping $20 on a product that could be really crappy and would just go to waste anyway.
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pwhodges

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Re: Making ends meet
« Reply #79 on: 19 Apr 2011, 05:58 »

You may also find that one or the other (most likely the branded one) will go further in use, and therefore be more economical in any case.  There's probably no way to tell without trying them, though.
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The Seldom Killer

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Re: Making ends meet
« Reply #80 on: 19 Apr 2011, 06:13 »

From my understanding, in summer a combination of good diet, sun in moderation and good hydration is the most economical way to maintain good skin and therefore the most frugal. However, if you do want to use this kind of product, best to test the other one. At least if it doesn't work as well you've only spent $21.
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Re: Making ends meet
« Reply #81 on: 19 Apr 2011, 06:19 »

I find that when it comes to cosmetics that it is better to go with the product you know works rather than try and cut corners. Also the bigger one will last longer anyway.
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tania

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Re: Making ends meet
« Reply #82 on: 19 Apr 2011, 08:02 »

save the most money by not wearing any makeup at all, because feminism
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Re: Making ends meet
« Reply #83 on: 19 Apr 2011, 08:54 »

From my understanding, in summer a combination of good diet, sun in moderation and good hydration is the most economical way to maintain good skin and therefore the most frugal.

People should be doing this anyways, not to maintain "good" skin, but to keep your skin healthy. Sadly some of us (me) are just stuck with skin that isn't good and needs a push. And some people just like wearing make up. 90% of the time, I am not one of those people. Because, uh, yeah, feminism...
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Elysiana

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Re: Making ends meet
« Reply #84 on: 19 Apr 2011, 09:15 »

Got another question not only about finances but also a dilemma. Long story coming up.

Here's the situation: we are currently renting Ryan's parents' old house (they moved up to NH recently, and us paying them helps pay off the HELOC. We may or may not be getting equity out of it. Probably, but not sure). They wanted $900 a month but we talked them down to $600. This doesn't include any of the bills - electric is usually around $150 and gas around $80 in the summer, while in the winter electric is about $100 and gas is closer to $200. We're also paying $70/mo for internet and $50/mo for a storage unit.

We have two roommates, a couple in their 40's who came across some hard times a while back (they were going to move to NC and her job fell through so they couldn't go after all) and we offered them a room to help out (we were already good friends with them). At first it was just the husband because the wife was up in NC looking for a new job. He was paying us about $200 a month, which was fine - he doesn't make a mess, doesn't take up any room, is a real laid-back guy that we like a lot, and they were paying for him to live here and her to live there while she was job-hunting. When she couldn't find a job, she moved in too and they increased that to $250/mo without asking us what we thought would be fair - just handed us a little more. Now they're both working again and I want to say they're each making around $40-$45k a year.

In about August of last year, our refrigerator's water feed sprung a leak that we didn't catch until hours later, and it ended up flooding the entire kitchen and part of the dining room. Their room is underneath that and all their stuff got absolutely soaked. They were out of town so Ryan and I spent the entire weekend steam-vaccing and washing all their stuff and making sure their computers still worked and putting in fans etc. etc. When they came back into town, we were out. They moved into an extended-stay hotel without telling us - just packed some of their things and went. We had to call them a few days later to see if they were okay, and that's when we found out. They left most of their stuff which meant that we couldn't use the entire basement, so we had to leave our stuff in storage (the only reason we have it is because their stuff is in the basement). They never offered to pay us for the space they were still taking up.

About two months later they were having trouble affording everything again because the extended-stay place was like $700/mo. We told them that they were welcome to come back but on our terms as far as how much they'd pay, and that we wanted to sit down and talk to them about it. We also pointed out that I was pregnant and that would obviously change the situation when the baby comes. They were fine with that and agreed to talk to us about the price, and we all agreed that they would be staying until September of this year. They moved back in that weekend, and on Monday they had left $300 on Ryan's desk for rent. Never sat down with us to talk about it, just gave us slightly more again.

Now she's posting cryptic stuff on FB like "Wish me luck!" "Fingers crossed!" and now today "Doing the happy dance!" to which her NC friends and family are all "Oh my sweet Carolina!" and "Hooray, what did they say?" I know I'm paranoid about them, but she's been wanting to move back to NC since day one and it sounds a LOT like she got a job offer. If that's the case, they're thinking of moving without telling us AGAIN?


So here are a few questions...

1. Do I confront her about the cryptic posts? If it was anyone else I wouldn't care, but this directly affects us financially and the baby is due in two months. We need to know if we're going to be missing that extra rent.

2. We feel that since the house costs around $1000 a month including all the bills, $300 from them is awfully low. Ryan and I have the master bedroom/bathroom and office (10x10 room that has our computers) and now will be using the nursery. Our roommates have the basement which is about a 15x20 finished room, and they're the only ones who use the living room which has our Xbox, Wii, and 50" tv, plus they have their own bathroom. We all use the kitchen pretty equally. We had originally offered them what will now be the nursery, but they said they preferred the basement because it had more room and that way we wouldn't be in adjacent rooms.

3. If they are actually moving out, we still need to know what a fair amount to ask for would be, because we'll pretty much have to find new roommates. We can't afford to lose even the $300/mo, especially since I just found out that insurance through my company for employee + family will be about $700/mo.

4. Wahh sniffle
« Last Edit: 19 Apr 2011, 09:19 by Elysiana »
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The Seldom Killer

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Re: Making ends meet
« Reply #85 on: 19 Apr 2011, 10:27 »

1) Yes, without a doubt.

2) If you think they have underpaid for the space that they have used, particularly as they never talked about a price, you could ask them for some more money. However, as nothing is down in writing it's take more than a Judge Judy session to get it out of them if they don't want to pay.

3) It's very hard to know what to suggest you ask if you have to go to new roomates. I'd suggest trawling rental agencies and seeing what something similar would go for.

4) Seems reasonable.
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Elysiana

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Re: Making ends meet
« Reply #86 on: 19 Apr 2011, 10:36 »

For 2) I guess at this point we've waited too long to really ask about it again anyway, I was more curious as to whether roommates should still pay closer to half when we're honestly getting more out of the place. Like if we were all renting some random house together, I would be pretty ticked if they thought they should pay way less, but since we may be getting equity, is it just expected that we should pick up 2/3 of the cost? Most rooms-for-rent around here go for about $400-$500/mo. and they didn't seem to have any problem paying $700/mo for a hotel room - no washer/dryer, no extra rooms, nothing but a bed, a bathroom, a TV, and a kitchenette.

I guess I'm just venting at this point. I really don't know how to bring up the question of whether they're moving, though. I hope I'm just reading too much into it, but I don't want to find out the day they move and then have to scramble to find someone else.
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The Seldom Killer

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Re: Making ends meet
« Reply #87 on: 19 Apr 2011, 11:16 »

I'd just go with "So what's the good news?". If she looks at you blankly, just say you noticed her FB post. I'm presuming she is a legitimate friend on FB, hence yu getting to read the status. She might geniunely be waiting until she's told people in an order which is important to her before announcing to the wider world.

As for how much they should have paid. It's always difficult when you're in the position of getting a bargain yourself. The one factor that I always look to is Fair Market Value. If the rooms go for $4-500 then $400 would be the minimum they should have been paying when finances allow. That sholuld alwas be regardless of what you're paying for it. Sometimes friends have to be customers and the decent thing for them to do is to be good customers. In my estimation they've taken a liberty too long and that has now put a strain on the friendship. Alas when you go cap handed to them, you end up looking like the bad guy. Things like the flooding are an accepted risk of living with appliances and what insurance is for if you want it. The harsh reality is that you've let yourself get hosed and if your friends are going to be moving, I doubt they're going to want to part with the money if they can get away with it.

I'd suggest getting ready to let that room.
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Re: Making ends meet
« Reply #88 on: 19 Apr 2011, 11:59 »

You should definitely ask her about her posts. They are renting from you and you guys need to know if they're going to be leaving.

Also, if/when you get other people, you should make them sign a lease or something. I think you definitely were being underpaid.
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Elysiana

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Re: Making ends meet
« Reply #89 on: 19 Apr 2011, 12:33 »

We've known them for about three years, and they originally moved in with us like... a year and a half ago? Something like that. But yeah, the friendship has definitely taken a turn for the worse. We get along with them just fine, but there's certainly a lot more strain now. Plus they've gotten really reclusive - they come home from work, hole up in their room, and only come out to heat up food and take it back downstairs.

As far as asking about it... after she wrote the "happy dance" post and a few people had "liked" it and her brother posted "Oh my sweet Carolina" (which is a song about going home to Carolina) I posted something fairly lighthearted like "Happy dance while you're at work? You okay? har har" and she wrote back "It's just one of those days!" And then, as I mentioned earlier, someone posted "What did they say?" and she hasn't written anything since.

So she's pretty much avoided the question on there anyway, but I also left it pretty wide open for that (damn my passive-aggressive self. I have got to work on that). I guess my only option now is to ask her straight up when we all get home tonight.

Yeah, if we do sublet again, we will definitely get something in writing. That was a bad move on our part. You like to think that friends won't do you wrong, I guess.
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Papersatan

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Re: Making ends meet
« Reply #90 on: 19 Apr 2011, 12:36 »

You are getting a deal on your rent because you are related to the landlords, that rent should not necessarily extend to other roommates.  It is probably too late to get more out of these people, but don't feel bad about charging more for the next people, there is no need to tell them how much you pay. 

I agree, you should price your space based on the going rates for comparable spaces in your area.  Things to take into account which could raise the price: is there off street parking, that there is a washer and drier, is there a separate entrance, are utilities included?  Also make sure you have a basic lease written up, even if it is just the price, when it is due, how much notice is required to move out and some basic rules.

Also, I would confront her, but don't be nasty.  I have had two friend/roomates leave without giving any real notice and I think in both cases they didn't want to make me mad by saying they were leaving, especially until they had everything in order.  That said, it was rude and hurtful to me.  Most people need more than 7 days notice to budget to pay double rent, and I don't think it is too much to ask that they extend you the courtesy of giving notice.  I had to confront the one, and I did it by just flat out asking, are you moving out, because if so I need to know so that I can budget my money.  He said yes, and that was that. 
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Elysiana

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Re: Making ends meet
« Reply #91 on: 19 Apr 2011, 20:29 »

Yes, she got a job. She is moving probably within the next 6 weeks but she doesn't know when yet. He is staying until his company can push his transfer through. That may be 6-8 weeks. Or it may be less. Or it may be more. Who knows when we'll know. And we don't know anyone who needs a room.

On top of that, Ryan's company is getting bought out on May 1 and we're having to switch to my insurance for at least a month because he doesn't qualify for the new company's insurance yet. So insurance is going up too (and will stay high with the new company, plus having employee + family is ridiculously expensive).

When it rains, it pours.
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Johnny C

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Re: Making ends meet
« Reply #92 on: 19 Apr 2011, 20:59 »

save the most money by not wearing any makeup at all, because feminism

live frugally & smash the patriarchy
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tania

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Re: Making ends meet
« Reply #93 on: 19 Apr 2011, 22:31 »

double your frugality and patriarchy-smashing prowess by cancelling your waxing appointments and letting your lady pubes sprout wild and free, as nature intended
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Johnny C

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Re: Making ends meet
« Reply #94 on: 19 Apr 2011, 23:00 »

unironically agree
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Jace

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Re: Making ends meet
« Reply #95 on: 19 Apr 2011, 23:13 »

I think one of my flatmates is moving out at the end of this month, he said he is, but I don't really know because both of us are recluses (doesn't help that our living room is our third flatmate's bedroom still). My rent is going from $200/month to $300/month, plus our landlord lost/it was stolen my rent for one month, so they want an extra $50 until it is paid off. I looked into my budget, and if everything is paid on the minimum, I can afford to spend about $25 a month on food.
I think I'm going to end up eating ramen noodles once a day.
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The Seldom Killer

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Re: Making ends meet
« Reply #96 on: 20 Apr 2011, 00:18 »

Jace, explain more about this lost/stolen rent thing, because that sounds remarkably illegal. You shouldn't be obliged to cover anyone elses fuck ups.
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Barmymoo

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Re: Making ends meet
« Reply #97 on: 20 Apr 2011, 03:45 »

Elysiana, have you considered getting an estate agent in to view the rooms and advise you on rental prices? I don't know if this is a free service or not but it would definitely be worth a small cost if you end up getting an extra $100-200 a month as a result! I would agree that there isn't much you'll be able to do about the lost money from your current roommates, but that doesn't mean you have to be trapped again.

I would suggest you give them notice, if that is possible, in order to have a definite date for prospective new roommates, and then advertise the room online. I've been househunting lately and there are all kinds of websites, from online estate agencies to Craigslist-style message boards. Good luck!

I've just signed up to a daily newsletter which offers tips about saving money - it's called Everyday Cheapskate and so far some of the tips have been quite good. Some of them are a bit wacky but what the hell, it's a free email service!
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The Seldom Killer

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Re: Making ends meet
« Reply #98 on: 20 Apr 2011, 04:31 »

I'd agree about giving them notice. If it is likely to be 6-8 weeks then I'd suggest giving them that much notice. I also wouldn't be shy about asking them to pay up until that point and having a look around to make sure they haven't caused any damage. I know it's a lot of hassle to think about it, but it'll be quickier and easier to let if the place is clean with a fresh lick of paint on it as well.

I know a lot of letting agencies will come and view a property free of charge if they think there's a chance they're going to let it. It may also be worth seeing what sort of service they will offer to decide if you want to trade off income against protection. Remember to ask for sample contracts etc. For self letting, you are going to have to check into the legalities, tax side of things as well as insurance and I would imagine you will definitely need the written permission of the deed holder. If you have some spare time, get to your local book/stationery shop and see if they sell standardised letting contracts that you can use. If you have a local free legal advice drop in centre, contact them and see what they can offer to make sure you covered from a liability point of view.

Barmy - What's the way to sign up to that email?
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Barmymoo

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Re: Making ends meet
« Reply #99 on: 20 Apr 2011, 05:20 »

I'm not actually sure how I found it, but I just googled and you can sign up here. I liked the look of last week's Friday recipes, and they were easily adapted to be vegetarian which is unusual.
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