When not turning into wine, vinegar is my second favorite use for grapes (and getting that nasty gunk off ’em!) Vinegar also makes for a fantastic part of a salad dressing and it’s a nice way to marinate some meat, but it’s a high-performer elsewhere in the house as well. That said, please note that my suggestions below are just that – suggestions. Don’t use vinegar on something without spot-testing first as I am in no way liable should you use vinegar in a way that causes unfortunate results.
With that out of the way, we use so much vinegar in our house that we have to buy huge jugs of it from Aldi almost every week so we can use it on things such as…
Vinegar Uses – Home and furniture
De-decal your windows – If you like to put up window clings during the holidays, or your children love to put stickers on…everything, you can use vinegar to remove all traces! Simply apply undiluted vinegar to the grimy aftermath of the stickers or decals and let it sit for 5 minutes. A credit card or other thin piece of plastic will help you scrape off the bits and then a good scrubbing should remove the rest of the remnants.
Erase pen marks – Undiluted vinegar and some elbow grease can remove your children’s artwork from hard surfaces. It may take a few applications and some assurances to your kids that you still love their art, but it works!
Undustify your blinds – Venetian blinds are the worst to clean, but you can make it far less terrible with vinegar! Get a bucket of equal parts vinegar and water, wet the fingertips of a cloth glove or a rag, and use your index finger and thumb to glide along each slat. The vinegar helps get rid of the oil and dust incredibly well.
Spruce up wood (haha, “spruce”) – Wood ages like anything else, be it paneling or furniture. A mix of 1 cup warm water, 4 tablespoons of vinegar, and 2 tablespoons of olive oil will help bring it back to life. Mix it up and wipe it onto the wood with a cloth. Let it sit and soak for a few minutes, and then buff it up with another dry towel.
Hide scratches in wood – A mix of undiluted vinegar and iodine (small amounts) can conceal scratches in wood. Use more vinegar for lighter woods and more iodine for darker woods, and then apply with a small brush (a nail brush works well).
Keep your computer clean – Get rid of oil and dust buildup on your electronics with a mix of 1 part water to 1 part vinegar. Use the mixture to dampen a cloth and wipe down your electronics and accessories. Don’t use a spray bottle, and don’t overly saturate the cloth. Again, I’m not liable for bad results, so be smart here and use common sense!
Clean carpets – A mix of 1/2 cup vinegar with 2 tablespoons of salt will remove minor carpet stains. Simply mix the two together and rub into the stain with a cloth and then let it dry. Once it’s dried, vacuum it up.
Vinegar for the Kitchen
Pickle EVERYTHING – If you have a bumper crop of peppers, onions, or (of course) cucumbers from your garden on a budget, you can whip up a pickle in an instant. Mix 1 cup vinegar with 1 cups water, 2 tablespoons salt, and 1 tablespoon sugar, and bring it all to a boil. Chop your veggies and add them to jars (you ARE re-using jars from the store, right?), and pour the brine on top. Let them cool to room temperature and then store in the fridge. After about 3 days they’ll be delicious and pickley.
Perfectly poached eggs – Poached eggs are really delicious but it’s super easy to obliterate the egg on accident. Adding 2 tablespoons of vinegar to your water along with 2 teaspoons of salt, and adding your egg in just before the water reaches a boil will help keep the egg together. Cook for about 2 minutes for a nice soft poach, or 3-4 for if you like them a bit firmer.
Clean your garbage disposal – You can’t really scrub your disposal for at least several good reasons. Fortunately, lemons and vinegar will do it for you. Take an ice cube tray and put a wedge of lemon in each cube. Then, fill each cube up with undiluted vinegar, and freeze them. When they’re good and frozen, pour 1/2 cup of bakin soda into the offending garbage disposal, add 3-5 lemon cubes and run the disposal until they’ve stopped rattling. This will do a great job of deodorizing your garbage disposal.
Unclog your drains – 1/2 cup baking soda and 1 cup vinegar, poured directly into the clogged drain (you can use a funnel) will help unclog drains. Once the commotion and bubbling stops, run hot water from the tap. Wait about 10 minutes, and then run cold water. This is also a great way to deodorize your drains (particularly if they’ve been clogged for a while).
Fight that grease! – Getting rid of grease from your hard surfaces doesn’t require harsh cleaners. Simply wet a cloth with an equal mix of water and vinegar and wipe down the greasy surfaces. It may take some muscle, but it will work. It’s also a great idea to mix up a spray bottle of 1/2 cup vinegar, 2 cups water, and 3 tablespoons of dishwashing liquid. Use this daily on surfaces to keep them clean and repel grease.
Clean your nasty microwave – If microwaved food explosions have you in the pits, place a bowl with 1/4 cup vinegar and 1 cup water into the microwave, and then turn it on for 5 minutes (on high). The steam it creates should loosen any food or stains and they should easily wipe away with a damp towel or sponge.
Disinfect all the things – Undiluted vinegar is a very potent antimicrobial. If you read my post on interesting ways to save money, you know that we use vinegar as a cleaning solution every day! Wipe down surfaces you cut raw meat on, especially counters and cutting boards, with undiluted vinegar. Creating a spray bottle full of undiluted vinegar for optimal disinfecting is another way to help kill nasties like staph, e.coli, and salmonella. A solution of 1 part water to 1 part vinegar is also very good for disinfecting kids’ cups or sippies that can harbor mold growth. Just let them soak and wipe them down.
Make metal magnificent – Silver soaked for a few hours in 1/2 cup white vinegar with a tablespoon of baking soda will regain it’s luster. Be sure to wash it off in cold water and dry with a soft washcloth. A paste of vinegar and baking soda (equal parts) can be applied to copper and brass to remove tarnish. Again, this might take some elbow grease but it’s very effective.
Sanitize water bottles – If you use BPA-free, reusable water bottles day-to-day, you really need to keep them sanitary. Every few days, fill it 75% full with equal parts vinegar and warm, soapy water. Shake it up well to get into all the crevices and then let it sit for half an hour. Rinse it thoroughly with warm water and let it air dry.
Clean kitchen shears – Don’t use water to clean your scissors or kitchen shears – it will rust them. A better idea is to use undiluted vinegar and wipe down the blades and then wipe them dry. This will also disinfect them. You can use this for regular scissors as well, as rusting is not good for them, either.
Ungunk your can openers – Can opener blades are disgusting, let’s just admit to that. You can make them reasonably not-disgusting again by using a toothbrush and undiluted vinegar to scrub in all the nooks and crannies. You may need to scrub a lot, but a douse in cold water should remove all that gunk afterwards.
Get rid of gnats (fruit flies) – Whatever you call them, those tiny little bugs are the bane of kitchens everywhere (especially if your husband forgets to leave a dry piece of cardboard over the top of your DIY worm farm…) Make a vinegar trap to catch and eliminate those little buggers! Take a jar with a lid, poke some holes in it, and fill it about halfway with apple cider vinegar, and place it where they’re the worst. If your kids eat yogurt a lot, you can also re-use those cups before they hit recycling – pour about a 1/4 inch of ACV into a coffee mug, poke two or three holes into the bottom of a cleaned yogurt cup, and then put the cup into the mug. It should do a fantastic job of getting rid of them, no matter what you call them.
Clear the air – If you burn food or simply cook something smelly, you can boil 1/2 cup vinegar with 1 cup water until it’s evaporated (or very nearly). It will get that smell right out of the air and remove all traces of that sardine-and-cabbage casserole your husband burned yesterday.
Clear away mineral deposits in a teakettle or coffee pot – Boil 2 cups of undiluted vinegar in your tea kettle or in a pan to then pour into your coffee pot. Let it sit for a minimum of 4 hours but overnight works well, too. Rinse it out the next day and it should be sparkling clean.
Naturally non-stick – Boil a cup of water until it evaporates in a frying pan to give it a natural non-stick coating that lasts on average about a month.
Homemade cottage cheese – Bring 1 gallon of whole milk to a near-boil (around 190 degrees Fahrenheit), then pour in 1/2 cup of vinegar. Once the mixture is cool, it will be separated into curds and whey. Pour it through a strainer and add the curds to a bowl, mixing in salt and whatever other spices you want. A smidge of cream here makes it smoother, but it’s not necessary, and it’s read to eat!
Clean Your Car with Vinegar!
Prevent frost in the winter – At night, spray your windows down with a solution of 3 parts vinegar to 1 part water. This will help prevent frost from forming and it will help reduce the impact of ice buildup. It’s not going to stop snow from building up, but at least you won’t likely have a hard layer of ice to deal with after clearing snow away.
Windshield wipers – Dirty wipers will streak your windows and that’s pretty much the exact opposite of their intended use. A cloth soaked in undiluted vinegar, wiped up and down the blades a few times will get rid of the grimy buildup and get your wipers back to fully functioning fabulousness.
Remove old bumper stickers – If you’ve got the ghost of an old bumper sticker sticking around, undiluted vinegar applied directly on top and to the sides will help get it off. Use a thin piece of plastic like an ice scraper to remove the paper parts, and then reapply the vinegar to get the sticky icky glue-bits off, too.
De-grime wheel wells – If you’re prone to muddy driving, chances are good your wheel wells are less than sparkling. That’s okay, because a solution of 1:1 vinegar to water will help clean them off and also aid in repelling dirt!
Laundry Room + Vinegar
Deodorize that washer – So it’s not doubt that washers can get stinky. You could use bleach but vinegar is far safer and not likely to ruin clothes if it doesn’t get washed out completely. Run an empty small, hot wash cycle and add 1 cup of undiluted vinegar. If you can, add a second rinse cycle to make sure it’s all gone.
Pre-treater for stains – Mix 1 cup water, 1 cup vinegar, and 1/3 cup borax in a spray bottle, directly apply to stains, and then let it sit for at least an hour before throwing in the washer.
Deep-cleaning towels – Mildew buildup can still leave towels smelling awful, even after being washed. To remedy this, toss your towels by themselves into the wash. Turn the water on hot, and use 1 cup undiluted vinegar and 1/2 cup baking soda to wash them 1 full cycle. This will banish your mildew and get them smelling like things you’d want on your body again.
Destinky stinky shoes – Spray the insides of the offending footwear with 1:1 vinegar to water solution and let it sit overnight. Then, add a few drops of an essential oil of your choice to a cotton ball and put it in the shoes and let THAT sit overnight. The vinegar solution should kill odor-causing bacteria and the cotton ball should give your shoes a much more pleasant scent.
Miscellaneous Uses for Vinegar
Remove dry skin from your feet – This one is weird and I know it’s going to sound weird, but bear with us. 1 cup of Listerine and 1 cup vinegar with 2 cups of warm water makes a foot soak you’ll soak in for about 15 minutes. Then, apply a pumice stone or foot file and the dry, dead, gross skin should come right off.
Non-toxic weed killer – Fill a spray bottle with undiluted vinegar and then add 1-2 teaspoons of dish soap, and apply to weeds and the ground around them. The acetic acid in the vinegar will burn the weeds and alter the pH of the soil, killing the root, too. This solution is non-toxic, but it will murder any plant it touches, so be careful what you spray it on. Dish soap helps it stick to the plant, and the pH imbalance will wash out after a good rain, making the ground suitable for planting again.
Disinfect your mops – If you have mops with removable heads, you can use vinegar to disinfect and deodorize them. Simply toss them in your washer, add a cup of vinegar and wash on “hot”. They’ll be whiter, brighter, and actually CLEAN.
Everyday scented spray cleaner – Take an empty spray bottle and fill it with 2 parts water to 1 part vinegar, 1 tablespoon of dish detergent, and the peels of lemons, oranges, or other assorted citrus. Let that soak for a few days before using and you’ll have a great, all-purpose cleaner that smells divine.
When it comes to saving time and money, everyone has their own little rituals and tricks that work for them. Whether you clip coupons to save money or pre-pack your gym bag and keep it by the door to save time, you’ve surely got a couple of these rituals yourself. Surely everyone shares some of these habits – they’re pretty commonplace.
What about the more fringe time or money savers, though? I’m not talking about re-using paper towels or renting your dog out as a clown (talk about frugal horror stories!), but what about never buying kids’ clothing from department stores? Ever considered raising worms to recycle your produce and make some top-quality fertilizer? Does it get weirder? Read on to find out some of our best-kept secrets for saving time and money and please note that the links below may be affiliate links, which means I could earn commission should you click through to make a purchase.
Unique and Interesting Ways to Save Your Family Money
Create an easy meal plan
Creating a meal plan is of course one the best ways to save time and money, but you can take it one step further by stacking the meals together so that one rolls into another. Monday evening roast a whole chicken with potatoes and onions, maybe some carrots and then use the leftovers. How, you might ask? Simple! Prep the leftover meat for enchiladas or fajitas the next day, and then take the leftovers and make bone broth. With a little pasta and some veggies, that’s 3 meals from one chicken.
Meal plan stacking is taking one great meal that has leftovers and making another great meal from them. Did you have shrimp tacos for dinner Tuesday? Make gumbo on Wednesday. Big pot roast with tons of leftovers? Toss it into the crock pot with some adobe seasoning and peppers, and have carnitas the next night. It will save you money and time AND be delicious!
Vinegar has literally dozens of household uses, and at about $2/gallon, it is one of the best investments you can keep under your sink.
Of course you can use vinegar in cooking but if you take an empty spray bottle and fill it with 1 part vinegar to 2 parts water and add some citrus peel or tea tree oil, you’ll have a cheap, incredibly effective cleaner and disinfectant. Most of what you’d buy in the store is about 5% acetic acid (white vinegar), which will kill most germs, but if you really want to be sure, you can look for something a bit more powerful. Health food and green living stores will often sell stronger vinegar.
Cleaning fruit with vinegar is also a great way to remove the waxy grossness from apples and a lot of the pesticide residue from both apples and strawberries. Considering both the aforementioned fruits routinely make it on the dirty dozen list for most contaminated foods, giving them a quick wash in a 3 parts water to 1 part vinegar solution can really decrease the pesticides your family ingests. Vinegar will also help your strawberries stay fresh longer!
Invest in a Water Cooler
We bought a water cooler when we had our son because we wanted an easy source of distilled water. Flash forward four years and we’re still using it daily.
We did the math and the water cooler was cheaper over the expected two years of needing bottles than filters for a faucet-mounted system. The trick is after using the jugs (we bought them at Lowes), instead of swapping them out for new filled ones ( at $6.99/apiece!) we disinfect them with vinegar and refill them at about .25c/gallon at a local grocery store.
The cooler we bought also has a tap for hot water, which makes it great when I’m in need of my daily matcha tea fix or just a nice cup of chamomile before bed!
Make Notes on Your Food
This one sounds ridiculous, but consider the number of times you look at something in the fridge and simply can’t remember when you cooked/opened/bought it. We realized we were throwing out stuff that might still be good, so we bought a Sharpie specifically for the kitchen. We glued a magnet to it so it sticks to the fridge and whenever we have leftovers or open a container, we date it. This makes sure we know when things are still good and when we should actually toss them.
Because my husband follows a keto diet, we also tend to have at least three containers of heavy cream in our fridge at any given time. It can be incredibly frustrating to have to open two containers only to realize its the third one that’s already open. It’s a simple thing, but marking the cap with an “O” really helps save time each and every day!
Vermiculture – Yes, We’re Talking Worm Farming!
If you’re unfamiliar with vermiculture, you’re likely not alone. It’s a fancy word for “worm farming” and it’s a really interesting way to reduce your food waste. It’s surprisingly simple to raise worms, and though they’re not cute and cuddly, they DO provide some fantastic benefits for growing your own garden.
Essentially the worms break down organic waste like apple cores, vegetable scraps, etc. into nutrient-rich castings which you can use as a fertilizer. They also produce a sort of waste fluid called “worm tea” that is a wonderful addition to plants, making them healthier and more vibrant.
We set up our worm farm using a couple totes, but you can also buy relatively inexpensive ones online if you don’t have the desire to DIY.
Vermiculture is great because it helps you reduce your food waste while also making your garden significantly healthier, and if you don’t already garden, it’s a nice extra bit of encouragement.
Toilet Paper Tube Projects
Got some kids stuck in the house all day with nothing to do? Toss some art supplies at them and give them toilet paper tubes!
Ok, maybe that alone won’t help, but toilet paper tubes are very versatile pieces of cardboard. Some ideas include:
Poke two holes in the top (opposite each other) and run a string or piece of yarn through them. Smear peanut butter around the outside of the tube and then roll them in birdseed, and voila! You have a quick, simple bird feeder that will absolutely attract some feathered friends to your yard.
Decorate the outside of one by gluing on a strip of leftover fabric and use it to hold your excess extension cords, or when you store them!
Fold the undersides in at one end and fill them with soil, and use them as seed starters in the late winter to get a jump start on that garden!
Stuff them with dryer lint to use as campfire starters!
Use your imagination for a variety of artistic endeavors – their shape lends itself well to making candle holders, for instance. With some interesting decorations you can have a spooky candle holder for Halloween, a cheery one for Christmas, or a turkey for Thanksgiving. Of course use battery operated candles!
Encourage your children to use their imaginations and you’ll be surprised at what they’ll come up with. My kids love to create monsters with lots of googly eyes, of course!
As long as we’ve had kids, we have been very intentional about buying presents and clothing ahead of time. Every time we’re at a garage sale, if we see something that will fit them, we typically pick it up if the price is right. I’m honestly not sure if our kids have ever had brand-new shoes, and that’s 100% fine with us.
If you have kids, trust me – you will WANT to sell all the clothes you get, and you’ll feel WAY less bad about selling them for .50c apiece if you bought them for .50c apiece.
The “Present Tote”
Another way we make use of garage sales though is by taking a look at what toys and games our kids might eventually like. When they’re really little this is especially easy, but basically just buy up any cool toys or games you see that are super cheap, and store them in a “future presents tote“. For instance, we found about $50 of Play-doh toys and accessories for $5 a garage sale, and it happens that our kids love the stuff. Boom, big Christmas gift, bought and paid-for.
While you shouldn’t just buy anything all the time “because it’s on sale”, if you get a really good bargain on something you know your children will love, it will save you money in the long run.
The single biggest time saver (and mind saver) you can invest your energy in is to avoid multitasking. Multitasking simply doesn’t work! There may be a few exceptions to the rule, but we’re essentially single-core processing units; undivided attention to a single task proves much better results than trying to do multiple things at once. Not only will you have better results, you’ll also get it done faster and more accurately, and then you can move onto the next task with undivided attention!
Make Use of In-Store Pick-Up
This one is two-fold — first of all, using in-store pick-up will help you avoid impulse purchases while also better ensuring you don’t forget something on your list because you’re too busy minding the kids to remember you need dish soap. It’s also a huge time saver, but did you know it can also save you money? Whenever you do in-store pick-up, check with Ebates first and you may very well earn a percentage back on your purchases (meaning FREE money!!)
Using Gift Cards through Ebates
Speaking of Ebates, this is a great way to stack up your savings.
If you know ahead of time that you’ll be shopping at a certain retailer, be on the lookout for discounted gift cards through sites like Raise.com. Even if you don’t do a lot of online shopping, be sure to check out Raise.com – if you know you spend money on a regular basis somewhere (like a certain gas station!), why not buy gift cards for yourself and save even more?
For example, I recently purchased a $50 Sears Gift Card for $41.90. Then I made a purchase through Ebates for $53, using mainly that gift card and earning myself a nice $4.24 back. So instead of spending the full $53, I’m actually only looking at a total deficit of $37.66 – a savings of nearly 30% and that’s just on one purchase!
Sign up via my referral link for Ebates and you’ll earn an extra $10 back on your first purchase! Worried about a catch? There is NONE! Check out my Ebates review to learn more.
Use Bubble Wrap on Windows
Seems silly, yeah? Heh or maybe you’re like me and think it just seems fun! When I first heard about this trick, I was skeptical. I’m a fan of using shrinkwrap packs to insulate my home against the winter cold, but when you have bubblewrap for free thanks to holiday packages, I figured I’d give it a shot…and it worked! Click to learn more about how to use bubblewrap on your windows as insulation.
Winterize Your Home: The Bubblewrap Method
No Inside-Out Clothing!
This one might seem a little neurotic but I consistently demand that no one throw inside out clothing into the wash. While it might only take two seconds to flip the clothing right-side out, those seconds certainly add up when you have to do it as you’re folding an entire load. Make laundry easier by asking your family to right their clothing before it goes into the wash.
Click to read more laundry hacks!
It’s not secret that we love Aldi, and one of the things we love is that they drastically mark down their meat when it’s close to the “sell-by” date. Without getting into food waste politics and such, I will say that food doesn’t magically become inedible when it’s passed it’s “sell-by” date.
When you see great prices on food at your grocer, pick it up and freeze it, or work it into your current meal plan. Obviously use common sense when it comes to food, but don’t consider food automatically spoiled just because it’s 12 hours past the sell-by date.
Invest in Amazon Prime
One of the best ways to save time and money is to shop online. I do believe in shopping local whenever possible (particularly at our Farmer’s Markets) but I’m a work-at-home mom with two very young children – I’m lucky if I remember to brush my hair every day, let alone have the stamina to leave the house. Amazon’s reach is wide, and it makes getting what we need fast and affordable. Prime does that to the next level – offering free 2-day shipping on almost anything you buy from Amazon is a huge deal. The price is $99/year if you elect to enroll annually, or $12.99/month, and while that might seem steep, it does offer a great amount of discounts, including the free 2-day shipping which will pay for itself. You can check it out for yourself with this free 30-day trial!
What are some weird ways YOU save time and/or money?
Then one summer, we found an extremely value-priced Imaginext playset at a garage sale and my love of totes jumped to a whole new level.
We made the $2 plunge and bought the toy for our son, but as “luck” would have it, he was being extremely sh*tty contrary that day, so a new toy wasn’t in the cards for him. While we pondered where we could store this fairly sizeable and yet 99%-cheaper-than-new playset, my thoughts strayed to a large, grey tote we had in our attic.
So with the toy safely stashed in our 150-year-old attic, away from prying hands and nosey toddlers, we decided we’d simply give it to our son for his next birthday, which was in a few months. As per routine, we went out the next weekend to garage sales and found a really cool toy guitar for our daughter. Again, it was I think a dollar, but we don’t like the habit of giving our kids presents for no reason, so up to the attic it went.
Thus, through the magic of simulated time-travel and a knack for spotting good deals on gently used toys, the Future Present Tote was born.
Disclaimer: This post may contain affiliate links, which means if you click through and make a purchase, I’ll earn a commission and be able to afford coffee tomorrow. And Mama needs her coffee…
But What About Buying New Toys?
When I was a kid, I’d always get a combination of hand-me-down toys and new toys for holidays/birthday. (I also got socks and stuff, but I try to block out the more sadistic traits of my family and focus on the good.)
Whether the present was a brand new doll or a tea set from Goodwill, I never knew the difference because it was always new to ME. I mean, it’s possible my toys were judging each other on being shiny and new like some Mean Girls/Toy Story crossover, but who was I to get involved?
As a parent, though, I totally understand why my mother or grandparents might have opted to give me second hand stuff – toys are expensive.
Not only is the cost an issue, but new toys are…well…sorta wasteful, don’t you think? When you buy a used toy or doll, you cut down on package waste, and you might save an item that was otherwise destined for the landfill. You put money directly into the hand of an actual person, rather than a huge corporation. And, if after their presents are opened, your child decides within a few months they no longer like Power Rangers, you are out like $10 instead of $100+.
The New Adventures of Old Toys
If you have older children, I can see why you might hesitate on giving them “used” toys, but you’d be surprised what you can find at garage sales and online resale sites that are actually in really great shape! For example, when I worked at PBS, I went on a huge Bob Ross kick and ended up buying a Bob Ross paint set.
I was really cool in my early 20s…
Once I realized that maybe I wasn’t so great at painting happy trees, I decided to sell it — nearly new and at a third of the cost! Something like that would make for a great gift for older kids.
On the other end of things, if your children are young enough, you can also “retire” certain toys to the future presents box when they get new ones. This frees up space, reduces clutter, and allows you to keep them interested in a lesser amount of junk well-loved toys and stuffed animals. Then, after a while you can reintroduce the old toy and watch them regard it with renewed interest.
Fantastic Deals and Where to Find Them
Where to stock up on future presents is probably the most fun part of the whole experience, aside from the money you’ll save. We love spending a Saturday morning perusing garage sales during the summer – it’s a great way to score deals while also enjoying sunshine and exercise as a family! Typically, we find some decent things in the fall, but those first spring garage sales are where it’s at.
People are very eager to clear their house out after winter, and especially since Christmas’ excesses and new toys are somewhat still lingering, you can get some really cool stuff dirt cheap.
Another opportunity is Facebook’s Marketplace feature. As your kids’ birthdays approach, run a few casual searches on their favorite things and you’d be surprised at what you can find. We picked up a Doc McStuffins playset for my daughter for $1 that would normally go for $30 were it brand new. It’s in pristine condition, not missing anything, and the family was happy to get rid of it as their children had grown out of it.
Granted, it’s a bit bigger than the tote, but the concept still holds true – she got it for Christmas and ADORES it.
Give Totes a Chance
This isn’t the first nor last time I’ll wax poetically about the usefulness of totes, so you might as well get on board. Pick up a tote and pick a hiding spot, because this method of money saving is a keeper.
The only downside is of course that if you don’t hide it well, and I mean really well, it’s like a time capsule treasure chest for sneaky little hands. Aside from that, though, get yourself a future presents tote and start saving money for your future in the present.
Oh and also you could use it to…
Totes My Goats!
Sorry, I had to…
Do you buy your kids presents way ahead of time and then hide them?
Do they ever find them or do you consider yourself a parenting ninja? Share your secrets in the comments below!
Overwhelmed by health insurance options? For Americans, few things conjure the financial dread of an unexpected hospital or doctor’s visit because let’s be real – even with insurance it can be painfully expensive.
Getting your financial life in order does not mean that you should ignore your health, something that could be far more costly in the long run. That said, with the future of healthcare and insurance so up in the air right now, the fear regarding this facet of American life has probably never been more heightened, but don’t fret!
This list, while only a mere starting point, can help you identify some of your options when it comes to healthcare and ideally keep you from over/underpaying to keep yourself (and your family) protected.
Medicaid, CHIP, Medicare – What’s the difference?
Let’s get the obvious one out of the way first. If you don’t earn much money, you can qualify for one or more of these programs. They’re designed to assist the most vulnerable members of our society; Medicaid and CHIP for lower income families and families with children respectively, and Medicare for seniors.
Medicaid is a state-run program and the rules that govern the program can vary a bit state-to-state. The criteria for qualification is established by your state legislature, so you can check your state government website to find out more about income criteria. For most, it’s being under ~115% of the poverty level.
Here in Illinois that’s about $1,337 a month, but the Affordable Care Act expanded those mandates – people ages 19-64 who have income less than 138% of the federal poverty level are eligible. Again, that’s about $1,350 as an individual or $1,845 as a couple.
The coverage also differs, with various co-insurances, copays, deductibles, and premiums based on your income level, but it prevents you from going bankrupt from medical expenses. Many people won’t pay much of anything, so it’s a very good option when you’re getting back on your feet, financially.
CHIP is the same as Medicaid in terms of criteria being based on income, but it expands coverage significantly for people with children (Children’s Health Insurance Program).
Medicare is a program open to Americans aged 65 years or older, people with certain disabilities under the age of 65, and everyone who has end-stage renal failure or ALS. Like Medicaid, this program covers certain things more or less, depending on the level of coverage you want. Premiums and deductibles also change.
The enrollment for all of these programs has been simplified (to an extent) with the introduction of www.healthcare.gov, following the introduction of the ACA. You can go to that site and look up your specific state, determining if you qualify for any of the above programs. They’re not completely on-par with many private insurers, but can be better in some cases, depending on your income level.
Free Clinics & Teaching Hospitals
Many cities – particularly larger ones – have teaching hospitals with free clinics. These are a great place to get checked out without spending much or any money. Most don’t even check income levels – you simply sign in and wait to be seen.
The problems that arise from these clinics is that they are often understaffed or inundated with patients. If you yourself have the patience to wait, however, you can be seen essentially for free, but you may not be seen as thoroughly as you need to be. So be mindful that a free clinic may seem great, but it’s not necessarily a great choice unless it’s the only choice.
Thought not exactly medical, some cities also have teaching clinics for dentistry, where you can get very low cost cleanings, fillings, etc done. Again, it’s a waiting game, but it may be better than paying all your savings for a cavity, or worse, not getting the care you need.
Many hospitals – particularly religiously affiliated ones – offer a program called “Charity Care” or something similar. Essentially, you need to prove financial burden or sufficiently low income, and they will pay off some or all of your bills.
Quick story here – When my husband and I first started dating (like maybe four dates in), he sent me a text at 3am saying “You probably won’t want to date me anymore…”
Yeah, anyone else thinking he cheated? Because I did. And I lost it. Like what the hey, we JUST started dating and you’re already cheating??!
Oh. But no…
He had a blood pressure issue and passed out at a friend’s house, concussing himself on the way down. Unfortunately, his insurance had lapsed, because he’d just graduated college two days prior. The ER bill total was around $3,500 – a bill that was pretty insurmountable for a guy working at a sandwich shop with no insurance. He spoke to the financial services department and got the bill reduced substantially, and fortunately was able to pay the rest of it off with no problems.
Along the lines of #3, many hospitals are very willing to work with you on your bills, provided you contact them as soon as possible after the services. Solutions include bill reduction, payment plans (some will take anything over $10/month, no matter the size of the bill), or temporary forbearance of the bill for a period of time. Failing everything else, this is almost always going to work in some way to alleviate the burden of a huge bill all at once, so don’t hesitate out of fear. The longer you put off talking to them, the harder it’ll be to reach a deal that benefits you both.
This goes back to #1, because the same website – www.healthcare.gov – that you use to qualify for Medicaid will also bring you to the exchanges if you make over the Medicaid limit. The exchanges are set up to offer a premium discount on the insurance you end up buying.
The amount is, once again, dependent on your income. The issue here, however, is the exchanges appear to have a rather sizeable blind spot; for a single person without children, income amounts between around $18,000/year and $29,000 a year don’t get any assistance. Under that amount, and you probably qualify for Medicaid. Over it, you get the premium assistance. It’s frustrating at times, but it’s another tool to ensure that you’re insured, and the premium assistance is actually pretty significant – typically at least half.
Because of the ACA, most colleges – particularly state colleges – have started mandating that their students are covered by some level of insurance. Because of this, those same colleges usually offer student insurance at a significantly reduced rate.
For instance, a local University’s plan looks like this:
Blue Cross Blue Shield
~ $110/month premium
They pay 80% after your deductible is met and they only require copay on prescriptions
This is incredible coverage, even if the price were doubled. The only caveat is you need to be taking at least 1 credit hour of on-campus classes, but one credit + the cost of insurance would still only be about $210/month.
Enrollment is automatic, and even with class fees and tuition, you’re still possibly looking at less total cost than healthcare on the exchanges, depending on your situation. In addition, if you’re already going to college, it’s totally worth it in most cases to be enrolled in the student insurance (unless you’re still under your parent’s plan).
Along the lines of charity cares specific to a hospital, local charities often help pay difficult medical bills for families in need. Check with local churches, and often food banks or crisis/domestic violence care centers will have contact information. Again, this is more of an “emergency” sort of situation, but it’s worth asking if you need the help.
Health shares are newer programs that are typically structured around faith communities. In it, people share the cost of medical procedures across a very large group. This creates a scenario where someone will be covered for anything because everyone pays into the pool, and everyone benefits. These are typically tied to Christian communities, but if you’ve got the option, they may be great for you.
Living frugal means living healthy!
Medicine is about helping people, not bankrupting them. Without going into a broader, more convoluted conversation, let me just say that health insurance shouldn’t be as intimidating as it is. We all deserve the opportunity to make healthy choices and see a doctor when needed. And as I said, I know this list is just a small dip into the world of health insurance, but hopefully it’ll help you get started on making better choices today.
Do you find making health insurance choices overwhelming?
Sound off in the comments below and let me know what you think!
If you’re like me, your grandparents had at least one chest or deep freezer or a spare fridge/freezer combo in their basement. My grandparents had both – a 30 year old fridge/freezer and a newer chest freezer and they were both stocked ALL the time. I believe it’s a byproduct of growing up in the Depression and not knowing if you’d have food at a later date, but in any case it was good economy to keep these simple appliances on hand.
My grandfather grew two extensive gardens (probably 1/8th acre altogether which was impressive for city living) and my grandmother was a master grocery-shopper and canner. With their powers combined, there was always canning, harvesting, freezing, and meal-smithing going on in their household, and I reaped the benefits: fresh produce all summer and fall, and delicious pickled and canned foods in the winter. Because of this, their freezers were always full of veggies, fruit, and meat – all homegrown or bought when it was on sale. This saved immense amounts of money in the long run because they planned meals on what was handy and on sale, not based on what sounded good at that exact moment.
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To Freeze or Not to Freeze
If you don’t already have a chest freezer, the first step is getting one of course. I can’t speak to the most efficient new models, but what I CAN suggest is looking on Craigslist, Facebook Marketplace, or garage sales and finding one that way. Chest freezers ideally should be incredibly simple – a rectangular, insulated box with a compressor to keep food frozen. That’s it – it doesn’t need dials, buttons or whistles to work. A decent freezer might run between $150-$500 new, but a good used one will cost a fraction of that. I’ve seen them going for $50-100 in some cases, and at those prices it would be a steal. So once you’ve found a freezer, the next thing is to learn how best to utilize it.
Farmer’s Market Finds
Depending on where you are in the country, your local farmer’s market or co-op is probably winding down its offerings, coming into fall crops like squash, corn, apples, etc. It’s at this point that, as peak season for a lot of summer offerings is waning, that you can find drastically reduced produce that is nearing the end of its optimal eating period. That doesn’t mean it’s not worth picking up, though! Pretty much any vegetation, save for maybe lettuce, is freezable without reducing quality or nutrition to any significant degree. Chop up fruit into bite-size pieces and freeze in freezer bags and they should be good for up to 9 months. Berries are great because you don’t need to do anything really, and frozen berries are absolutely perfect for smoothies, straight from your chest freezer. Hit up the farmer’s market and pick up everything you can think you’d eat and cool it down!
You can almost always find great deals on meat and produce at the grocery store. I already love Aldi (and have written about it on several occasions) and one main reason is, as meat gets close to its “sell by” date, they mark it down drastically. It’s not uncommon to see meat, at their already very low prices, marked $1, $2, or even more off the marked price. Taking it home and freezing it immediately (or after some minor prep work) will save a tremendous amount of money in the future. Most meat is still great up to about 6 months.
Fruits and vegetables are the same way – an excessive influx of produce or reduced sales one week might mean deep discounts the next. Get in there and reap the benefit! You can peel and freeze nearly overripe bananas and use them in smoothies or as a base for healthy ice cream.
You can even freeze eggs and butter, if you’re so inclined. Butter freezes very well because of its low water content, and eggs can be cracked into ice cube trays to freeze them for up to 6 months.
Keeping your eye out for cheap meat and produce, as well as some great sales on pasta or other staples can actually aid in another money-and-time-saving technique I love: meal prep!
I have a friend who bought a tremendous amount of green peppers for essentially .25c a pepper, and then ground beef in bulk. Coupled with rice she had on hand and some cheap tomato sauce, she prepped up dozens of stuffed peppers and froze them in her chest freezer. Prepped meals like this keep great for generally at least 3 months, and can be popped out of the freezer on a busy night or for a quick lunch in the microwave. Saving time and money? Absolutely, sign me up!
Hurry Up and Freeze!
With a bit of preparation and some investigation, and a little patience, you can find a cheap deep freezer and put it to good use. Whether you’ve got a bumper crop from your garden, a healthy CSA (community supported agriculture/co-op) or a neighbor who likes to give you all their extra tomatoes and zucchini, you can find use for all of it. Being able to meal prep, store, and save money all at the same time makes a chest freezer a brilliant investment that is cheap to maintain and fix, making it an incredible tool in your money-saving arsenal!
Do you own an extra fridge or deep freezer?
What’s your favorite thing to freeze and save up on?