The New Hip Thing: Being Frugal
So I read this interesting article in Newsweek and it added to the already busy swirl of money shit going on in my brain. Charlie and I are coming to the end of a kind of a financially flush period; and by "flush" I mean that for a little while we had a little extra, thanks to cashing in my retirement plan when I left my job in May and some residual cash from selling his mother's condo (most of that money is dedicated to her long term care, however). Hence our buying the new minivan, going on vacation, and buying the trailer in the mountains (although we have an interview on Thursday to see if we are good enough people to live in a trailer park in the Poconos; that should be interesting since I just dyed my hair pink. Yeah.).
But as the cash pile is dwindling (the last of it, really, is going to the place in the mountains--a good investment, surely, but still... sigh), we are turning our eyes critically to our budget and thinking about ways to "trim the fat" as the article states and make some changes that will help reel in our spending.
First to go, sadly, is the Irish Girl. The Irish Girl is what we have called the various young Irish women that have been cleaning our house since I was pregnant with Tori. As you might remember, I was not allowed to clean while I was pregnant, and while Charlie technically could have done the cleaning he decided it was cheaper to pay someone else rather than listen to me tell him how he did it wrong. Heh. We got kind of addicted to having a nice young woman come and scrub our bathroom and microwave and mop our floors once every two weeks, and it seemed to be pretty cheap at $60 a visit. But with tipping, and adding more cleaning area (my office, say, and wiping out the fridge, that sort of thing) it's gotten to be more like $80 every two weeks and as sweet as our latest Irish Girl is (we're on the fourth; apparently, all these young women come here to get certified as soccer instructors, which may seem odd, but actually helps them get jobs back home) she doesn't actually clean all that well (the third Irish Girl, on the other hand, was a goddess) so... we've decided that's the first big expense we're cutting out. I hate calling to fire someone, but I don't think the Irish Girl will be all that crushed. She's hardly what I would call enthusiast.
Next up, I took some inspiration from that article and gave my cable company a call and pointed out to them that they give new customers a better deal than they give folks like us, their long term loyal customers. We have everything with them--phone, TV, Internet--so after extensive negotiations, we saved...$15 a month. Sigh. I'd hoped for more, but still, it's something. Next up is calling our cell phone company because truthfully we use only about 1/3 of our minutes these days so we can probably do much better there.
I wish we could negotiate where the REAL expense is; our medical insurance. We are still paying $1,100 for the three of us and we have not been able to find a way to save anything there (it does look, by the way, like my migraine stuff will be covered--thank you for your helpful tips there!). There is just no bending there, no matter what we do. We're lucky, in fact, to be able to afford coverage at all. I'd love to switch Tori to the state CHIP plan (Pennsylvania allows anyone of any income to buy into the plan, and it would change Tori's insurance fees from $250 to $68 a month for the same coverage) but she would have to be uninsured first to qualify. And after being an uninsured child myself, I am completely unwilling to allow her to spend a single second without coverage. Not one second.
So I'm not sure where else we can save. Here's a question for you experts; we've considered refinancing our mortgage. While we're not paying a terrifically high interest (about 7.3%, we think), we're not paying the lowest rate out there, and with the local machinations of the feds we are wondering if we can get a better deal and bring our mortgage payment down a bit. If you are in the field, drop me an email--I'd love your advice.
Also, as you may have heard, food prices are up between 15 and 20%. That article I linked to has some sites listed that can help you get coupons and help you save at the grocery store. I need to get better about doing that--I never clip coupons, and I don't remember to bring grocery store cards with me to the store (I didn't have one the other day and it hurt me to the tune of about $20, I think). I really need to get better about that.
What frugal tips do you have? I'm eager to learn more as I start tightening the belt, so to speak. As I approach my 40th birthday (I know, I just won't shut up about that, will I?), I find myself thinking more and more about being a responsible adult.
Frankly, it really sucks.
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If there is anyone in Connecticut that has been through a loss like mine with the boys--where you had to medically terminate a pregnancy--and you might be willing to speak about it publicly and be an advocate, please drop me an email. There's a congressman that will be holding some town meetings in April that needs to be called on his shit (he claims that no provision for the "health" of the mother is necessary, for both incredibly racist and sexist reasons--you can review here for why the health instead of just life is necessary). Thanks!








