Cheapskate Review... Monthlies

This post is not for those who are trying to increase their monthly expenses. This is for the other group of humans who are trying to urgently reduce their monthly bills, so as to get a hold of their finances and have more money left at the end of the month.....that they can choose to spend freely in a manner that pleases them personally.

We live in an age of subscriptions. Everything can be ordered as a recurring monthly subscription program...... including cat food, online weight loss programs,  film streaming, social media memberships and gyms. If you don't pay attention, you may be paying for a lot more monthly subscriptions than you need or want.

So, let's pretend you are trying to completely eliminate your recurring monthly non essential services. What things can you do without?

Social media premium level memberships. Some social media platforms are requesting their users to buy a membership which "enhances" their usage to a "higher" level than the "freebie" loving general public. Do you really need this monthly bill? Is it really adding value to your life? I am not going to type in the actual name of these social media platforms, but you know which ones they are. You don't need to be paying for usage, if there is a basic "ad based" format still available.  That's maybe 2 or 2 monthly subscriptions gone from your monthly billing cycle.

(CHEAPSKATE HACK) I recently discovered a site which allows you to watch and enjoy everything that is currently on the ad-based format of a very popular social medial site.....but without the ADS! I was thrilled to discover this worked well. I noted that it did not have 100% of the same functionality of the ad based platform, but it worked well enough to allow me to watch and/or listen to many of my favorite recordings without the  distracting nuisance of ads. Ad blockers may also help you survive through other annoying ad filled apps. Be sure that the ad blockers are legit and do not add viruses to your laptop/PC.

Next, Do you really need to subscribe to a monthly film streaming service? Have you looked into cheaper and/or free options? There are several film streaming services that offer free or cheaper versions, such as Roku (with purchase of unit) or Tubi. I also just noticed an ad for a free streaming service called Plex. Is it any good? Have you used it?

Does your local public library have free access to streaming services? 

Does your local public library have free access to CD's and DVD rentals? Do you still own a DVD or Blue ray player that you can dust off and put to good use? Must we really pay a monthly fee for entertainment when free or really cheap offerings are all around us?

Thirdly, have you signed up for some kind of monthly delivery of certain goods? Certain foods, or hats, or wine or cheese tastings? There is nothing wrong with any of these expenses, as long as we can afford them. I have even seen monthly subscriptions to dress or clothing rental programs. Don't sign up for these type of things carelessly by just throwing them on a credit card. Use these type of services when you can afford to use them. These monthly bills add up. Do the math today and add them all up. Print up a statement, a hard black and white copy of one month of transactions on your bank accounts and credit cards. Write down each one that make a debit deduction on a monthly basis. Add them all up. How much is being deducted automatically from your bank accounts and/or credit cards? How many did you find?  

I want you to be sure that you really want or need the items that you are paying for on a monthly basis. When you take control of your monthly bills, you may discover that you have more funds left over at the end of the month that you can use for investing or vacations or for building up a reserve fund to pay for those things we can't always predict....such as car repairs or a new lawn mower, or a better health care option.

Make your money obey YOUR own  commands....not the expectations of the ad companies that have targeted you because of your income or lifestyle profile. Algorithms are ruthless in how they target us night and day. Use discipline and self control to choose when and how you spend/save your money. Make your money make sense.

Have you signed up for magazine or newspaper subscriptions that you rarely read? Cancel them unless you use them often. Public libraries offer free alternatives, many of which may now be accessed online in the comfort of your own home. You can also buy a newspaper straight from your local convenience store, without subscribing to anything. Keep freedom in your wallet, and buy things without a monthly commitment.

Charities may target you with their fund raising appeals because you live in a certain area code. They may specifically ask you to become a monthly automatic donor. Be careful of these type of arrangements. An automated charitable gift will have the right to take money from your account because you have authorized their organization to do so. The system then becomes dehumanized and will continue to take your monthly donations even if you find yourself in a tight financial bind. I am not telling you to become selfish. I am not telling you to not give. But I am telling you to give on your own time table and in your own style. Don't let the person or organization who is the receiver of your generosity, determine how you give. Don't be manipulated by promises of "special premium donor status" which try to convince you to give higher amounts of money. If you want to give large amounts of money away, please go ahead and do so, but do so because YOU have chosen to do so, not because someone has manipulated you into making you feel guilty for the blessings you have. Do the charities you sponsor show proper gratitude for your gifts? Thankfulness and gratitude for your generosity is essential. Make sure to expect and accept thanks from those whom have benefited from your charitable giving.

Give when and how you choose, and in the amount you can afford.

If you prefer to write an old fashioned check, because it helps you balance your budget, then do that. You don't need to give in the manner that a certain charity prefers. Give as YOU choose, because God has given YOU authority over your own finances. There is a reason that you have what you have. Don't let anyone tell you otherwise.

Last, but not least, have you signed up for a gym membership that you never go to? I have heard a horror story about a woman who cancelled her gym membership only to discover that the gym still kept taking money out of her account every month. She finally had to go to the bank in person to have the matter dealt with. Some folks have had to cancel their bank accounts, because a gym refused to cancel their monthly bill payments. Be careful what you sign up for, especially if it requires a monthly payment. Some gyms allow you to pay up front for one day or one week of usage. This allows greater control over someone who only needs a gym once in a while.

Well friends, that's all for now. My rant is done. I hope that you are prospering and enjoying all the beautiful things and wealth that you have....on your own terms and on your own time schedule. Be well :)

Peace,

Carla. 

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Banana Wars

Over the past few weeks I've noticed that there has erupted a rather CUTE banana price war in my neck of the woods.

I suppose one might be able to trace it back to Walmart...who seemed to be the last one who sold their bananas at the juicy retail price of 57 cents per lb for the last several years.
But lo and behold, it seems that Zehrs... ( the high end banner of Weston stores)
has caught the "low price bug" and decided to join the the banana price war.

Zehrs has for many years been targeting the more "well heeled"  and higher end shoppers, but perhaps methinks that they are rethinking their strategy to match a more "realistic" shopping scenario for most
Ontario, Canada shoppers. So they've created a new and competitively priced genre of fresh produce products that can match---  if not BEAT-- the juicy low prices of the box stores.

So, for the humble bananas that they used to charge 99 cents a LB for, they are now charging only
57 cents a LB.

The "Real Canadian Wholesale Club" which markets to shop owners and restaurateurs is also in on the game and was last seen selling their bananas for only 56 cents per lb. I can only applaud.

Zehrs'  competitive pricing strategy includes juicy new pricing for English Cucumbers as well as
fresh Red Tomatoes.

Competition is ALWAYS a good thing, at least in this regard.
Thank you big huge grocery chains for helping big families shop smart.

Peace,
Carla.

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Don't Throw Out that Pumpkin! Make Old Fashioned Fried Pumpkin Seeds!

Some of my neighbors make displays around this time of year with whole bright orange pumpkins....They don't even carve them up, they simply arrange them..... perhaps with some other decorations to make their front porch look "harvesty" and abundant.

Well, as a professional scavenger, I refuse to let these beautiful pumpkins go to waste.
I was also given some great big pumpkins via my local Fruitshare organization that also has the same
"Waste not, want not" mentality.

So, our family set about to fry up some good ole fashioned pumpkin seeds and I'd like to share the simple and low cost process with you. Since we fried them in vegetable shortening and only seasoned them with salt, they are actually a vegan item. Yay :)

So hear goes......

 First you get a fresh whole pumpkin and cut a hole in it big enough to reach your hand in to collect the raw seeds. It's best to use a pumpkin that no one has tampered with first....no holes, bruises or carvings at all.
If you pumpkin is whole and complete, then the seeds inside will be perfectly fresh and ready to fry. Pumpkins stay fresh longest when they remain unopened and uncarved. Storing whole pumpkins is best done in a cool place such as outside or in a cool basement or garage.

Then you place all the collected seeds into a container complete with all the gushy orange odd pieces that come from the inner pumpkin.

                                                                                   

Then you wash the seeds in a collander or some kind of sifter until the seeds are clean and free of all debri. If you don't own a real sieve, then you can also use the upper pot of a double boiler and they work well too....as the holes in the upper pot of a double boiler are small enough to wash down and away the extra orangey stuff while not allowing the seeds to go escape down the drain.

Then you melt at least three large heaping tablespoons of vegetable shortening in your favorite frying pan or sauce pan. Add some salt to the seeds as well. Just use your individual taste to make sure you have just the right amount of salt.

I

Voila, it will probably take you about 10-15 minutes to fry up one pan of pumpkin seeds.
Take care to let them cool down a bit before you nibble.

Tasty and fresh and a great source of fiber as well.
Enjoy!