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	<title>DeliverAwayDebt.com &#187; Frugal Friday Tips</title>
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		<title>Friday Frugal Tips &#8211; Lawn Service</title>
		<link>http://deliverawaydebt.com/frugal-friday-tips/friday-frugal-tips-lawn-service/</link>
		<comments>http://deliverawaydebt.com/frugal-friday-tips/friday-frugal-tips-lawn-service/#comments</comments>
		<pubDate>Fri, 11 Jun 2010 13:30:17 +0000</pubDate>
		<dc:creator>Jeffrey Kosola</dc:creator>
				<category><![CDATA[Frugal Friday Tips]]></category>
		<category><![CDATA[botany]]></category>
		<category><![CDATA[costing]]></category>
		<category><![CDATA[cutting tools]]></category>
		<category><![CDATA[edger]]></category>
		<category><![CDATA[friday]]></category>
		<category><![CDATA[Frugal Tips]]></category>
		<category><![CDATA[hiring]]></category>
		<category><![CDATA[knowledge]]></category>
		<category><![CDATA[lawn]]></category>
		<category><![CDATA[lawn care]]></category>
		<category><![CDATA[lawn mower]]></category>
		<category><![CDATA[lawn service]]></category>
		<category><![CDATA[lawn service companies]]></category>
		<category><![CDATA[lawn services]]></category>
		<category><![CDATA[neighborhood]]></category>
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		<category><![CDATA[tip]]></category>

		<guid isPermaLink="false">http://deliverawaydebt.com/?p=2497</guid>
		<description><![CDATA[As I walk around my neighborhood I can&#8217;t help but notice how many people hire a lawn service company to cut their lawn.  Being the money conscious crazy man that I am I thought it would be interesting to figure out how much it costs to receive this &#8220;time saving&#8221; service. Background I live in [...]]]></description>
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<p>As I walk around my neighborhood I can&#8217;t help but notice how many people hire a lawn service company to cut their lawn.  Being the money conscious crazy man that I am I thought it would be interesting to figure out how much it costs to receive this &#8220;time saving&#8221; service.</p>
<h2>Background</h2>
<p>I live in an old school neighborhood that is divided into &#8220;blocks&#8221;.  There are no winding streets that connect to other winding streets.  Just perfectly spaced streets that contain the same number of lots, street after street.  The lot sizes are all 40 feet by 140 feet.  Some people own multiple lots, but the majority just own one lot, their little piece of the &#8220;American Dream.&#8221;</p>
<h2>Measurements</h2>
<p>I your remember back a few weeks ago I wrote about installing<a href="http://deliverawaydebt.com/frugal-friday-tips/friday-frugal-tips-diy-to-save-bucks/"> a new fence</a>.  In order to install the fence I had to measure the yard to know how much fence to purchase.  I went a little over board and measured the whole yard.  The grassy areas of my lot totals 2,565 sq feet.  What does this measurement have to do with a lawn service?  Not much, but I thought it would be cool to break down the cost in square feet.</p>
<h2>The Quote</h2>
<p>My neighbor uses a lawn service and has the same lot dimensions as I do.  Instead of wasting a company&#8217;s time with a quote, I ask her what she pays.  $25 per cut.  I also asked a person who lives across the street what he pays.  He pays $15 a visit for the lawn service to edge his grass.  He cuts the lawn himself, but likes to have someone else edge the lawn.  Seems a little crazy to me, but to each their own.  I watched the &#8220;edging&#8221; crew (2 guys) take a total of 4 minutes to edge and blow  his yard yesterday.</p>
<h2>The Cost</h2>
<p>In Michigan you can count on having to cut the lawn an average of 32 weeks per year.  $25 per week times 32 weeks equals $800.  Let me repeat that $800.  That&#8217;s a ton of money.  If we break the cost into square feet, the cost for my yard would be about a penny per square foot.  Meaning that it will cost a dollar for someone to cut the equivalent of a small bedroom (10&#215;10).  I wish a got a dollar every time I vacuumed a bedroom <img src='http://deliverawaydebt.com/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' />   The point is that getting a lawn service is a lot of money.  I can cut, trim, and edge my lawn in 20 minutes.  That would be like making $75 per hour at the going rate for a lawn service.  No wonder so many people are starting these types of businesses.</p>
<p>A new lawn mower will cost between $300 and $400.  A trimmer/edger will run $89 to $130.  Your ROI for the equipment is half a year or so.  Think of all the money that could be saved by doing it yourself.</p>
<p>Now I just need to convince my neighbors to use CutAwayDebt lawn service to handle their lawn manicuring needs and I&#8217;ll have another income stream.  Of course I can undercut the competition and charge $20 and still make out like a bandit.</p>
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<h2>Yakezie Posts</h2>

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		<title>Friday Frugal Tips &#8211; DIY to Save BUCKS</title>
		<link>http://deliverawaydebt.com/frugal-friday-tips/friday-frugal-tips-diy-to-save-bucks/</link>
		<comments>http://deliverawaydebt.com/frugal-friday-tips/friday-frugal-tips-diy-to-save-bucks/#comments</comments>
		<pubDate>Fri, 14 May 2010 17:59:23 +0000</pubDate>
		<dc:creator>Jeffrey Kosola</dc:creator>
				<category><![CDATA[Frugal Friday Tips]]></category>
		<category><![CDATA[chain-link fencing]]></category>
		<category><![CDATA[chainlink fence]]></category>
		<category><![CDATA[chicken fences]]></category>
		<category><![CDATA[chicken wire]]></category>
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		<category><![CDATA[dave ramsey]]></category>
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		<category><![CDATA[fences]]></category>
		<category><![CDATA[fencing]]></category>
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		<category><![CDATA[poultry fence]]></category>
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		<category><![CDATA[welded wire fence]]></category>
		<category><![CDATA[welded wire fencing]]></category>
		<category><![CDATA[welding wire]]></category>

		<guid isPermaLink="false">http://deliverawaydebt.com/?p=2321</guid>
		<description><![CDATA[Hello and welcome back for another Friday Frugal Tip.  Today I&#8217;d like to share a way I saved a large amount of money on fencing project this past week.  The Culprit Fletcher is my Black Lab (pictured on the right).  In Dave Ramsey&#8217;s terms, he&#8217;d be the Free Spirit.  Fletcher is always getting into trouble [...]]]></description>
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<p>Hello and welcome back for another Friday Frugal Tip.  Today I&#8217;d like to share a way I saved a large amount of money on fencing project this past week. </p>
<p><a href="http://deliverawaydebt.com/wp-content/uploads/2010/05/Fletcher.jpg"><img class="alignright size-full wp-image-2322" title="Fletcher" src="http://deliverawaydebt.com/wp-content/uploads/2010/05/Fletcher.jpg" alt="" width="250" height="201" /></a></p>
<h2>The Culprit</h2>
<p>Fletcher is my Black Lab (pictured on the right).  In Dave Ramsey&#8217;s terms, he&#8217;d be the <em>Free Spirit.  </em>Fletcher is always getting into trouble and causing problems for me.  I love the dog, but sometimes he can be too much to handle. </p>
<p>I live in an older neighborhood with small lots and houses that sit a few yards from each other.  Most homes have fences on all sides, but somehow ours is only fenced on two sides.  Usually this would be a blessing, and promote neighborly love and friendship.  It has proved to promote the love of Fletcher venturing next door and &#8220;do his business&#8221;, and my neighbor loving to throw &#8220;the business&#8221; back over in my yard.</p>
<h2>The Money Problem</h2>
<p>A fence needed to be installed to keep the <em>Culprit</em> in my yard.  This has been anything but an easy solution.  It turns out that in our city, a fence cannot be installed by a 3rd party without having a lot survey documented with City Hall.  The survey is usually passed from party to party during the sale of the house.  Unfortunately ours wasn&#8217;t passed on during our closing.  I was informed about it at the time, but assured it didn&#8217;t matter.  Lesson learned, I should have insisted on the survey before the sale could be completed.</p>
<p>A new survey could be completed from a local survey company at the cost of $700 to $900.  Not a good use of my limited financial resources while in debt.  The cost to have a black chain link fence installed along my property line is $1,200.  Add the $1,200 to the survey required and the grand total is $1,900 to $2,100.  Damn, that&#8217;s a lot of money just to keep the <em>Culprit</em> from causing a nuclear war between neighbors.</p>
<h2>The Solution</h2>
<p><a href="http://deliverawaydebt.com/wp-content/uploads/2010/05/fence03.jpg"><img class="alignleft size-full wp-image-2328" title="fence03" src="http://deliverawaydebt.com/wp-content/uploads/2010/05/fence03.jpg" alt="" width="200" height="299" /></a>The solution needed to keep the dog in the yard and not break the budget at the same time.  I stumbled on a nifty little concept while cruising the aisles of <a href="http://www.lowes.com/">Lowes</a> and <a href="http://www.homedepot.com/webapp/wcs/stores/servlet/HomePageView?storeId=10051&amp;catalogId=10053&amp;langId=-1">Home Depot</a>.  Turns out there is product on the market called <a href="http://www.homedepot.com/h_d1/N-5yc1vZ1xi0/R-202024093/h_d2/ProductDisplay?langId=-1&amp;storeId=10051&amp;catalogId=10053">Welded Wire Fencing</a>.  WWF is just a fancy name for chicken wire, which in now been altered to &#8220;<em>Poultry Fence</em>&#8220;.  I guess the Chicken Union (CU)  lawyers clucked with the Politically Correct (PC) lawyers and renamed it.</p>
<p>The fencing is cheap and can be installed quickly without any expensive tools.  After purchasing two 50 foot rolls and the required amount of posts, the total monetary damage was $156.  The time required to install the fence was just over 2 hours, and required the help of my wife and 3 year old son.  My son performed the difficult task of making sure that all the tools were placed just out of my reach, I believe it was his innate sense for safety that prompted such action.  I&#8217;m also happy to report that there were no injuries or arguing during the installation process.  It was an extremely fun family task to complete.</p>
<p><a href="http://deliverawaydebt.com/wp-content/uploads/2010/05/fence021.jpg"><img class="aligncenter size-full wp-image-2330" title="fence02" src="http://deliverawaydebt.com/wp-content/uploads/2010/05/fence021.jpg" alt="" width="300" height="154" /></a></p>
<h2>The Result</h2>
<p>Fletcher has changed his name to Inmate #007.  The fence stands at 4 foot high, and he is unable to scale it.  My neighbor is extremely happy.  Even though she does not talk with us, I could tell by the smile she had after noticing the new fence.  Now the fence isn&#8217;t the prettiest fence around, but it serves it&#8217;s purpose.  The lesson I&#8217;ve learned through the process is that you don&#8217;t have to follow the main stream thinking to solve a problem.  A little personal investigation can save you money.  Our savings came out to be at least $1,744.</p>
<div id="YakezieRSS">

<h2>Yakezie Posts</h2>

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        <a href='http://www.consumerismcommentary.com/obamas-proposed-investment-in-american-infrastructure/'
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                <em>By Flexo</em>

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        <a href='http://www.myjourneytomillions.com/articles/running-personal-finances-congress-supposed/'
        title='Posted 7 September 2010 | 5:09 am'>
        Running Your Personal Finances like Congress is Supposed To</a>
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		<title>Friday Frugal Tips &#8211; Don&#8217;t Get Nickel And Dimed</title>
		<link>http://deliverawaydebt.com/frugal-friday-tips/friday-frugal-tips-dont-get-nickel-and-dimed/</link>
		<comments>http://deliverawaydebt.com/frugal-friday-tips/friday-frugal-tips-dont-get-nickel-and-dimed/#comments</comments>
		<pubDate>Fri, 07 May 2010 14:47:25 +0000</pubDate>
		<dc:creator>Jeffrey Kosola</dc:creator>
				<category><![CDATA[Frugal Friday Tips]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Eliminating Debt]]></category>
		<category><![CDATA[nickel and dimed]]></category>
		<category><![CDATA[receipts]]></category>
		<category><![CDATA[record keeping]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://deliverawaydebt.com/?p=2294</guid>
		<description><![CDATA[The Little Things Will Hurt You’ve heard that by avoiding the $5 a day Latte will help you build wealth. It makes perfect sense when you run the numbers; $5 per day times 365 days per year equals $1,825 per year. If you only purchased a taste Carmel Latte on work days and assumed you [...]]]></description>
			<content:encoded><![CDATA[<p><a class="post_image_link" href="http://deliverawaydebt.com/frugal-friday-tips/friday-frugal-tips-dont-get-nickel-and-dimed/" title="Permanent link to Friday Frugal Tips &#8211; Don&#8217;t Get Nickel And Dimed"><img class="post_image aligncenter" src="http://deliverawaydebt.com/wp-content/uploads/2010/05/skulllatte.jpg" width="500" height="375" alt="Post image for Friday Frugal Tips &#8211; Don&#8217;t Get Nickel And Dimed" /></a>
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<h2>The Little Things Will Hurt</h2>
<p>You’ve heard that by avoiding the $5 a day Latte will help you build wealth.  It makes perfect sense when you run the numbers; $5 per day times 365 days per year equals $1,825 per year.  If you only purchased a taste Carmel Latte on work days and assumed you have 3 weeks’ vacation the total would still be $1,225 per year.  </p>
<p>Just like the latte, they are many other things that we do every day that destroy our wealth building potential.  Running into the 7-11 to grab a $1.29 cup of coffee and a package of Hostess donuts will cost you 3 bucks.  Grabbing a quick snack from the vending machine at work is an easy 2 plus dollars including the soda.  Purchasing a pack of $6.00 cigarettes will definitely break the bank (I’m so glad I quit this habit).</p>
<h2>Record Keeping</h2>
<p>The little things are what add up bringing down your financial house of cards.  The best way to stop the downward spiral of nickel and diming is to record your spending.  I know I know, you don’t have the time to record every expense the moment it happens.  It’s only a few dollars here and there right?  Nope, those few dollars are stopping you from make your money work for you instead of you working for your money.</p>
<p>There are plenty of ways to track your daily spending.  Some people like to write them down in a notebook.  Others like to record them in an Excel spreadsheet.  Everyone else loves using the vast array of financial/budgeting software available.  When I was getting a handle on my spending I recorded the amounts in a notebook.  I did it for 1 month, in an effort to understand how my “disposable” money was being spent.  </p>
<p>I found that carrying the notebook was a pain my…  I decided to collect the receipts instead of using the notebook at the point of purchase.  I was able to keep the receipts in my pocket until the end of the day.  Each night I would review and record my daily burn.  I understand some people will not like this method because old Mr. Redwood was sacrificed to produce the paper on which the receipt is printed.  That’s ok; you could use an electronic method.  One that uses energy derived from coal.   The point of the exercise is to capture your daily cash burn so you can make adjustments to save money.<br />
The beauty of the receipt is its ability to capture data quickly and completely.  If you don’t have the time to reconcile your spending daily you can collect the receipts and enter the data later.  </p>
<h2>The Review</h2>
<p>Once you have some data it’s time to start reviewing it.  Look for patterns, like the latte a day pattern.  Your pattern might be a newspaper and a cup of coffee for the trek to work.  Add up the spending on these “pattern” purchases and carry them across the whole year.  We can use the paper and coffee example to illustrate the point.  The coffee costs $1.29 a day and the paper is $0.75 a day.  This daily spending pattern is $2.04 a day.  I’m sure that you usually don’t have the 4 cents so you’ll get $0.96 in change that will probably be collected in a jar and forgotten about.  The $2.04 a day times the 245 working days from the previous example shows us this little habit will cost $499.80 a year.  That may not seem like much but once you record all the data for each day, you’ll notice you are spending too much on crap that isn’t doing your wallet or your body any good.</p>
<p>Here’s your challenge.  Take one week to record all of your spending and see what your are really spending your money on.  If you’ve never done this exercise you will be very surprised at the results.</p>
<p>Remember, the less money you spend the more money you’ll have.  You can use the extra money to pay off debt, invest for retirement, or even save it for a vacation.  Good luck <img src='http://deliverawaydebt.com/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' /> </p>
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		<title>Friday Frugal Tips -Libraries are not just for Nerds</title>
		<link>http://deliverawaydebt.com/frugal-friday-tips/friday-frugal-tips-libraries-are-not-just-for-nerds/</link>
		<comments>http://deliverawaydebt.com/frugal-friday-tips/friday-frugal-tips-libraries-are-not-just-for-nerds/#comments</comments>
		<pubDate>Fri, 23 Apr 2010 15:40:30 +0000</pubDate>
		<dc:creator>Jeffrey Kosola</dc:creator>
				<category><![CDATA[Frugal Friday Tips]]></category>
		<category><![CDATA[book stores]]></category>
		<category><![CDATA[Frugal Tips]]></category>
		<category><![CDATA[library]]></category>
		<category><![CDATA[local knowledge]]></category>
		<category><![CDATA[local library]]></category>
		<category><![CDATA[nerds]]></category>

		<guid isPermaLink="false">http://deliverawaydebt.com/?p=2233</guid>
		<description><![CDATA[Libraries are the coolest; everybody is using them these days. As a matter of fact, I’ve been to the library twice in the past 2 weeks. My local knowledge hole is packed with people throughout the week, which is surprising because the weather is getting so nice here. I would think that more people would [...]]]></description>
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<p><a href="http://farm4.static.flickr.com/3069/2870883420_6baac48d6e.jpg">Libraries</a> are the coolest; everybody is using them these days.  As a matter of fact, I’ve been to the library twice in the past 2 weeks.  My local knowledge hole is packed with people throughout the week, which is surprising because the weather is getting so nice here.  </p>
<p>I would think that more people would be spending their time outside, but this doesn’t seem to be the case.  I can only surmise that the library must be for the “Cool” people, and hanging out in the bars must be for the “Nerdy” people.  Maybe not, but it makes me think about why the library is receiving so much traffic.  </p>
<p>Why do people continue to visit their local libraries when so much information is available online?  I can think of a several reasons.  Books, book on tape, kid books, bulletin boards, DVDs, kid activities, magazines, zoo passes, museum passes, movie nights, free WIFI access, monthly newsletters, etc.  The library has so many “FREE” things to offer, I’m shocked they don’t have a restaurant inside.  I guess greasy food and books just don’t mix well.</p>
<h2>Books</h2>
<p>Of course everyone knows that the library is known for books.  Many libraries offer an exchange system that allows members to request books from other libraries.  If one library is out of a certain book, another one will have it.  </p>
<p>Today’s libraries are ordering a ton of new books; most of the titles you see at the book store are on the shelves at the local library.  These books are free, provided you return them on time.  Take a look at this <a href="http://mynextbuck.com/friday-financial-foul-ups-overdue-books-prevent-me-from-renting-an-apartment/">post</a> from MyNextBuck.com to see what can happen if you do not return the books on time.  </p>
<h2>Books on Tape</h2>
<p>I love books on tape.  I’m able to finish a complete book in one week of driving to work and one weekend of delivering pizzas.  I enjoy music once in a while, but it can get extremely boring.  I usually have 3 or 4 physical books that I read at any one time, and listening to an additional one is a nice break for my eyes.  </p>
<p>Libraries have come a long way in the selection of books on tape they offer.  I just finished Thomas Stanley’s Stop Acting Rich which is a great book and one I would have normally purchased.  The library saved me $20 by having it on the self.  My library also has a <a href="http://livonia.lib.mi.us/libraryvalue">Value Calculator</a> that you can use to see how much value you are getting from the library.  </p>
<h2>Kids Stuff</h2>
<p>We currently have 23 kid’s books checked out from the library.  My kids love books, but usually get sick of them at the 3 week point.  This is perfect because we can rotate the books through our home for free by using the library, saving even more money.</p>
<h2>Magazines and More</h2>
<p>Another great advantage of the library is all the magazines they have.  The cost of magazines can really add up and having a free option is awesome.  My library provides many databases to use to locate articles from any magazine you can think of.  They also offer several other databases that can be searched for almost anything.  </p>
<p>If you are a blogger, these provide a wonderful resource to help research topics.  If you have kids in school, the databases are easy to use to help Junior with those science projects and book reports.  Check out some of the <a href="http://livonia.lib.mi.us/magazines">databases</a> my library offers.  These are available at the library or from home using your library card.</p>
<h2>Free Admission</h2>
<p>A while back a DeliverAwayDebt reader commented that her library had museum passes that could be checked out and used by members.  I’ve checked into mine, and they offer the same thing.  I’m amazed at the amount of places that can be visited for FREE with the pass.  </p>
<p>Our pass is called the <a href="http://detroitadventurepass.org/rebuild/">Detroit Adventure Pass</a> and is sponsored by Macy’s.  I will be using the pass in the future and of course I’ll include my adventures in a future post.  Thanks to Mysti from <a href="http://diggingoutfromourmess.blogspot.com/">Digging Out From Our Mess </a>for providing the idea.</p>
<h2>Savings</h2>
<p>Now it’s your turn.  Hop, skip, and jump over to your libraries’ website and see all they have to offer.  All the cool kids are doing it <img src='http://deliverawaydebt.com/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' /> </p>
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		<title>Reusable Grocery Bags &#124; Friday Frugal Tips</title>
		<link>http://deliverawaydebt.com/frugal-friday-tips/reusable-grocery-bags-friday-frugal-tips/</link>
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		<pubDate>Fri, 16 Apr 2010 14:17:51 +0000</pubDate>
		<dc:creator>Jeffrey Kosola</dc:creator>
				<category><![CDATA[Frugal Friday Tips]]></category>
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		<category><![CDATA[grocery bags]]></category>
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		<category><![CDATA[oscar awards]]></category>
		<category><![CDATA[reusable bags]]></category>
		<category><![CDATA[shopping bags]]></category>

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		<description><![CDATA[Paper or Plastic? That&#8217;s not a choice that we need to make anymore. Over the past few years another option has been given to us, helping our checkbooks and the environment. The reusable bag is a cheap and environmentally friendly product that is being used to carry our groceries, our books, and even our wallets. [...]]]></description>
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<p>Paper or Plastic?  That&#8217;s not a choice that we need to make anymore.  Over the past few years another option has been given to us, helping our checkbooks and the environment.  The reusable bag is a cheap and environmentally friendly product that is being used to carry our groceries, our books, and even our wallets.  <a href="http://www.earthwisebags.com/">Earthwise</a> is the leading manufacturer of these cheap reusable bags, they provided the gift bags at the Oscars this year.  </p>
<p>I’m sure you’ve seen these bags before; every supermarket sells their own version of the bags.  Since I shop at Kroger I’ll use the <a href="http://www.kroger.com/healthy_living/green_living/Pages/reusable_bags.aspx">Kroger bags</a> and saving program to show you this week’s frugal tip.</p>
<h2>The Cost</h2>
<p>These bags are cheap.  A 2-pack can be purchased for $1.  If you perform the complicated math, the unit cost is $0.50 each.  </p>
<p>We have 8 bags bringing our total investment to $4.  Kroger offers $0.05 credit for each bag resulting in a $0.40 savings each trip to the grocery store.</p>
<p>I know 40 cents doesn&#8217;t seem like much, but I know many people who get excited when they come across a 40 cent coupon for a product they love.  It’s the same thing, money credited is money saved.</p>
<h2>Tricks of the Trade</h2>
<p>Kroger credits the bag discount before any groceries are scanned.  If you have 8 bags, the cashier will big you 40 cents.  If you have 10, you’ll get 50 cents.  Even if the bagger does not use all the bags, the discount will not be change.  </p>
<p>The bags can be used in many other way besides transporting groceries from point A to point B.  I use them to transport my 2-liters of pop to work every week.  Carrying 3 or 4 bottles of pop is easy with the reusable bags.  If you haven’t read the <a href=http://deliverawaydebt.com/frugal-friday-tips/frugal-friday-tip-soda-pop/> Soda Pop</a> Friday Frugal Tip, I would advise you to take a few minutes to read it.  I save over <strong>$750</strong> per year with it.</p>
<h2>Savings</h2>
<p>It takes 10 trips to the grocery store to pay for the investment of 8 bags.  We grocery shop once a week, so there will be 42 weeks left in the year to realize our savings.  <strong>42 weeks x $0.40 = $16.80</strong>.  This is money <em>earned</em> by using the bags.</p>
<p>I can’t think of many products that actually earn money instead of siphoning it.  That’s over a 400% return on investment, not bad in my book.</p>
<p>I understand that many people will think making $16.80 a year is pointless, but money is money.  I don’t think anyone would walk by a $20 bill sitting on ground, so why would you not want to get a little extra for something you already have to do anyway.</p>
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		<title>Enfamil vs Members Mark Baby Formula &#124; Friday Frugal Tips</title>
		<link>http://deliverawaydebt.com/frugal-friday-tips/enfamil-vs-members-mark-baby-formula-friday-frugal-tips/</link>
		<comments>http://deliverawaydebt.com/frugal-friday-tips/enfamil-vs-members-mark-baby-formula-friday-frugal-tips/#comments</comments>
		<pubDate>Fri, 26 Mar 2010 16:48:24 +0000</pubDate>
		<dc:creator>Jeffrey Kosola</dc:creator>
				<category><![CDATA[Frugal Friday Tips]]></category>
		<category><![CDATA[baby formula]]></category>
		<category><![CDATA[enfamil]]></category>
		<category><![CDATA[enfamil lipil]]></category>
		<category><![CDATA[formula]]></category>
		<category><![CDATA[Frugal Tips]]></category>
		<category><![CDATA[members mark formula]]></category>
		<category><![CDATA[sam's club]]></category>
		<category><![CDATA[warehouse clubs]]></category>

		<guid isPermaLink="false">http://deliverawaydebt.com/?p=1897</guid>
		<description><![CDATA[Welcome back for another Friday Frugal Tip. Today I&#8217;m going to show you how I saved a ton of money on baby formula for my Daughter. I sure am glad to be out of the formula days, talk about expensive. My first child was raised drinking Enfamil Lipil baby formula. We liked the Enfamil Lipil [...]]]></description>
			<content:encoded><![CDATA[<p><a class="post_image_link" href="http://deliverawaydebt.com/frugal-friday-tips/enfamil-vs-members-mark-baby-formula-friday-frugal-tips/" title="Permanent link to Enfamil vs Members Mark Baby Formula | Friday Frugal Tips"><img class="post_image aligncenter" src="http://deliverawaydebt.com/wp-content/uploads/2010/03/enfamilvsmembersmark.jpg" width="550" height="190" alt="Enfamil vs Members Mark" /></a>
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<p>Welcome back for another Friday Frugal Tip.  Today I&#8217;m going to show you how I saved a ton of money on baby formula for my Daughter.  I sure am glad to be out of the formula days, talk about expensive.  My first child was raised drinking <a href="http://www.enfamil.com/app/iwp/enfamil/productDetail.do?dm=enf&#038;id=-10733&#038;iwpst=B2C&#038;ls=0&#038;csred=1&#038;r=3447069570">Enfamil Lipil</a> baby formula.  We liked the Enfamil Lipil but the cost was huge, $22.49 for 25.7 oz.  It worked well for my son; he has turned out to be a monster.  Both of my kids are above the 90th percentile for height and weight.  If I keep going I could field the offensive line for an NFL football team.    </p>
<h3>Members Mark</h3>
<p>It was during the pregnancy of our second child that we began focusing on our money.  One of my cousins told us about <a href="http://www.membersmarkformula.com/milk.aspx">Members Mark Formula</a> and how it saved her money, so of course we started to look into it.  My wife took a Members Mark and Enfamil label to our Doctor for her thoughts about switching.  To our surprise, the Doctor already had many people ask her the same question.  She believed the product to be a great alternative to Enfamil.  The ingredients are the same, and the nutritional values are extremely close according to the labels.  The only complaint I read on the Mommy Blogs and forums was it&#8217;s consistency.  People said the Member’s Mark was not as “smooth” as the Enfamil.  </p>
<p>My daughter drank the Members Mark Formula from birth until she was 1 years old.  I believe the product was great and she no issues.  My cousin has since had another baby which is currently drinking Members Mark. </p>
<h3>The Cost</h3>
<p>There are no Tips and Tricks when it comes to baby formula, well go right into the cost savings.  </p>
<ul>
<li><strong>Enfamil Lipil</strong> costs $22.49-$26.75 for a 25.7 oz can</li>
<li><strong>Members Mark</strong> costs $19.38 (Sam’s Club) $26.06 (Amazon) for a 51.4oz can</li>
</ul>
<p><a href="http://deliverawaydebt.com/wp-content/uploads/2010/03/Comparechart.jpg"><img src="http://deliverawaydebt.com/wp-content/uploads/2010/03/Comparechart.jpg" alt="" title="Comparechart" width="586" height="88" class="aligncenter size-full wp-image-1903" /></a></p>
<p>This frugal hack saved us <strong>$614.40</strong> during the first year of our daughter&#8217;s life.  That&#8217;s a lot of money by anyone&#8217;s standards.  If you are thinking of having kids, this is a great way to offset the new baby expense.</p>
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		<title>Friday Frugal Tips &#8211; Review Edition</title>
		<link>http://deliverawaydebt.com/frugal-friday-tips/friday-frugal-tips-review-edition/</link>
		<comments>http://deliverawaydebt.com/frugal-friday-tips/friday-frugal-tips-review-edition/#comments</comments>
		<pubDate>Fri, 19 Mar 2010 14:52:09 +0000</pubDate>
		<dc:creator>Jeffrey Kosola</dc:creator>
				<category><![CDATA[Frugal Friday Tips]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal Tips]]></category>
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		<guid isPermaLink="false">http://deliverawaydebt.com/?p=1793</guid>
		<description><![CDATA[It&#8217;s time for a little review of the DeliverAwayDebt Frugal tips section. 10 Tips have been published so far and I want to see if I&#8217;m still using them. It&#8217;s one thing to write about frugal tips, it&#8217;s another thing to follow your own advice. Ok, lets get started with the first 5 today. Week [...]]]></description>
			<content:encoded><![CDATA[<p><a class="post_image_link" href="http://deliverawaydebt.com/frugal-friday-tips/friday-frugal-tips-review-edition/" title="Permanent link to Friday Frugal Tips &#8211; Review Edition"><img class="post_image aligncenter" src="http://deliverawaydebt.com/wp-content/uploads/2010/03/accountability.jpg" width="550" height="198" alt="Post image for Friday Frugal Tips &#8211; Review Edition" /></a>
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<p>It&#8217;s time for a little review of the DeliverAwayDebt Frugal tips section.  10 Tips have been published so far and I want to see if I&#8217;m still using them.  It&#8217;s one thing to write about frugal tips, it&#8217;s another thing to follow your own advice.  Ok, lets get started with the first 5 today.</p>
<p><strong>Week 1</strong> <a href="http://deliverawaydebt.com/frugal-friday-tips/frugal-friday-tips-lunch/">Frugal Friday Tips – Lunch</a></p>
<blockquote><p>Here’s the best part about ramens, the price. I currently buy them at Sam’s Club. At Sam’s they are sold in a case of 36. The case costs $5.88 which yields a 16.3 cent price per pack. At my grocery store I can buy them individually for 18 cents or in a 6-pack for 99 cents (16.5 cents per pack). I currently consume 2 packs per sitting bringing my lunch cost to 33 cents per day and $1.65 per week.
</p></blockquote>
<p>Am I still using Sam&#8217;s club and eating Ramens for lunch??  Hell yeah, I love them and eat them almost everyday.  I have changed it up with leftovers every once in a while but my main lunch is always Ramens.</p>
<p><strong>Week 2</strong> <a href="http://deliverawaydebt.com/frugal-friday-tips/frugal-friday-tip-soda-pop/">Frugal Friday Tip – Soda Pop</a></p>
<blockquote><p>Diet Mountain Dew is one of my best friends in the world. I drink at least two 20 ounce. bottles a day during normal working hours. When I deliver pizzas on the weekends I tend to suck down even more. I usually only start drinking pop after 10am in the morning. I reserve the early hours for my other friend, coffee. My name is Jeff and I’m a caffeine addict. The good thing about being budget minded is the ablity to look for cheap ways to finance my habit</p></blockquote>
<p>I&#8217;m sad to report I have failed on this one.  I know longer purchase Diet Mountian Dew in two-liters.  I purchase Diet Caffeine Free Pepsi in two-liters now.  Bet you didn&#8217;t see that one coming.  I&#8217;ve been caffeine free for about 6 weeks now.  I am AMAZED at how much better I feel.  I sleep extremely well at night now, I even feel rested in the mornings.  I don&#8217;t get angry easlily anymore, I&#8217;m much more patient with everything.  Who would have thought a caffenie addict could quit?  I didn&#8217;t, but I love the change.</p>
<p><strong>Week 3</strong> <a href="http://deliverawaydebt.com/frugal-friday-tips/friday-frugal-tip-homebrewing-beer/">Friday Frugal Tip – Homebrewing Beer</a></p>
<blockquote><p>I want to thank <a href="http://www.climbingout.net/">The Dad</a> for helping provide the pictures in the post and for the idea. If you like the idea of having a hobby that will provide you with some yummy rewards, I would recommend you look into home brewing. I would start brewing my own beer today if it wasn’t my 2 month anniversary of quiting drinking. </p></blockquote>
<p>I still haven&#8217;t tried homebrewing but maybe someday I will.  I&#8217;m up to 4 months without drinking now.  I have not gained or lost a pound since.  I believe the myth about weight gain and alcohol is BUSTED now, based on my own personal experience of course.  I am not a part of the MythBuster&#8217;s team so I can claim that I&#8217;ve BUSTED the myth completely.</p>
<p><strong>Week 4</strong> <a href="http://deliverawaydebt.com/frugal-friday-tips/friday-frugal-tip-dollar-menu/">Friday Frugal Tip – Dollar Menu</a></p>
<blockquote><p>Fast food is a staple meal for some people. The question becomes, “How can I eat fast food and not break the bank?” If you are worried about breaking the bank, then I suggest you refrain from ordering from the Extra Value Menu while visiting fast food joints. If you are trying to save a little extra money, then there is one trick you can use to eat fast food and not completely go broke, the dollar menu.</p></blockquote>
<p>Even though I rarely stop at a fast food joint, I did order from the Extra Value Menu and NOT the Dollar Menu the last time I was at McDonalds.  So I think we can call this one a fail.  I just wasn&#8217;t interested in anything on the Dollar Menu, I wanted a double quarter pounder meal.  Boy did I get it.  I cost me over $6 and sure wasn&#8217;t that good.  My advice again, stick to the Dollar Menu no matter what.  If nothing else, the buyer&#8217;s remorse isn&#8217;t too bad <img src='http://deliverawaydebt.com/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' /> </p>
<p><strong>Week 5</strong> <a href="http://deliverawaydebt.com/frugal-friday-tips/friday-frugal-tip-pizza-delivery/">Friday Frugal Tips &#8211; Pizza Delivery</a></p>
<blockquote><p>Pizza is a great meal. It will remain at the top of list as everyone’s favorite fast food for a long time to come. Judging from my personal experience in the business, the average order for a family of four is between $19 and $25 depending on how many toppings Mom and Dad get. These prices are the amount you’d pay if you picked up the pizza yourself. Getting the pizza delivered usually will bring some extra costs into the equation. The delivery charge can range from $0 to $5 in most parts of the country. Some restaurants will give you free delivery as long as you meet a minimum price (i.e. spend $25 or more and delivery is free). </p></blockquote>
<p>This past week was the only time I&#8217;ve purchased pizza from another pizza joint.  I&#8217;m sure you can guess that I did not have the pizza delivered.  Getting delivery when my second job is a delivery driver is like hiring a house painter when you are a house painter by trade.  It never happens <img src='http://deliverawaydebt.com/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' />  </p>
<p>Next week will be a completely new <a href="http://deliverawaydebt.com/category/frugal-friday-tips/">Friday Frugal Tip</a>, I just wanted to take today to reflect on my progress and make sure I&#8217;m walking the walk not just talking the talk.  Have a great weekend everybody!!!!</p>
<p>Photo credit Suzie at <a href="http://www.abundancehighway.com/">AbundanceHighway</a></p>
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		<title>Friday Frugal Tips &#8211; Bed Bath &amp; Beyond</title>
		<link>http://deliverawaydebt.com/frugal-friday-tips/friday-frugal-tips-bed-bath-beyond/</link>
		<comments>http://deliverawaydebt.com/frugal-friday-tips/friday-frugal-tips-bed-bath-beyond/#comments</comments>
		<pubDate>Fri, 12 Mar 2010 16:26:53 +0000</pubDate>
		<dc:creator>Jeffrey Kosola</dc:creator>
				<category><![CDATA[Frugal Friday Tips]]></category>
		<category><![CDATA[baby shower gifts]]></category>
		<category><![CDATA[bed bath]]></category>
		<category><![CDATA[bed bath beyond coupons]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[coupons]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Frugal Tips]]></category>
		<category><![CDATA[sales promotion]]></category>
		<category><![CDATA[wedding gifts]]></category>

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		<description><![CDATA[Bed Bath &#038; Beyond is one of my favorite &#8220;big box&#8221; stores to purchase household items from. I&#8217;ve been using them ever since I graduated high school (many, many years ago.) I thought I would share a commonly known frugal hack with you today. Bed Bath &#038; Beyond offers 20% off coupons that make gift [...]]]></description>
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<p><a href="http://www.bedbathandbeyond.com/default.asp">Bed Bath &#038; Beyond </a> is one of my favorite &#8220;big box&#8221; stores to purchase household items from.  I&#8217;ve been using them ever since I graduated high school (many, many years ago.)  I thought I would share a commonly known frugal hack with you today.  </p>
<p>Bed Bath &#038; Beyond offers 20% off coupons that make gift giving more affordable.  Besides using them for our household items, we have some other great uses for the coupons.  Since most Brides love to register at Bed Bath &#038; Beyond, we use the 20% coupon to purchase the gift.  We&#8217;ve used them to purchase wedding shower gifts, wedding gifts, and baby shower gifts.  If you are planning to spend $100 on a gift it is a great way to get a $100 gift for $80.  In our case, we choose to purchase a $125 gift and get it for $100.  I like to give as much as I can so using the 20% coupons allows us to get more for the same price.  </p>
<p><a href="http://www.bedbathandbeyond.com/regHome.asp?order_num=-1&#038;">Weddings and showers</a> aren&#8217;t the only events you can use the Bed Bath &#038; Beyond coupons for.  <a href="http://www.bedbathandbeyond.com/btsHome.asp?order_num=-1&#038;">Graduations</a> are approaching fast and Bed Bath &#038; Beyond has a ton of items for college living.  Birthdays, Easter and Mother&#8217;s Day are all great events to use the coupons on.  As with many coupons they are not good on all products, but Bed Bath &#038; Beyond has so many products I don&#8217;t think you&#8217;ll even notice.  Below is a list of the companies that are NOT included.</p>
<p>Gift cards, All-Clad, Nautica, Tempur-Pedic, Wusthof, AeroGrow, Margaritaville, The Sharper Image, Wedgwood, Lenox, Waterford, Vera Wang, Nambe, Riedel, Orrefors Kosta Boda, Oreck, Capresso, Miele, kate spade, Swarovski, Versace, Alessi, Richard Ginori, iJoy</p>
<p>The coupons are very easy to obtain.  Follow this link to <a href="http://app.bedbathandbeyond.com/prefs/pref.cfm?">Sign up for 20% coupon</a>.  The link will take you to the Bed Bath &#038; Beyond website to register for their mailing list.  Below is a snap shot of the email you&#8217;ll receive after signing up.  It took me 2 minutes to fill in my info and get the email with my 20% coupon.  Once you are on the list, you will get 20% coupons a couple of times a month.  The Sunday newspaper includes the coupons every once in a while too.  If you need more coupons, have a family member sign up and give you the coupons.  </p>
<p><a href="http://deliverawaydebt.com/wp-content/uploads/2010/03/coupon.jpg"><img src="http://deliverawaydebt.com/wp-content/uploads/2010/03/coupon.jpg" alt="" title="coupon" width="550" height="428" class="aligncenter size-full wp-image-1729" /></a></p>
<p>Here’s a great shopping tip: Bed Bath &#038; Beyond honors manufacturer’s discount coupons and even competitors’ promo coupons! Just be aware that all coupons must be used before their expiration date – starting January 1, 2010 the company no longer honors expired coupons.  </p>
<p><strong>TIP:</strong> Keep the coupons in your car.  There is nothing worse than stopping in to Bed Bath &#038; Beyond and not having your coupons.  If you have multiple items, you can ask the cashier to ring them up separately and use a coupon for each item.</p>
<p>Good luck everyone <img src='http://deliverawaydebt.com/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' /> </p>
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		<title>Frugal Friday Tips &#8211; 10 for 10</title>
		<link>http://deliverawaydebt.com/frugal-friday-tips/frugal-friday-tips-10-for-10/</link>
		<comments>http://deliverawaydebt.com/frugal-friday-tips/frugal-friday-tips-10-for-10/#comments</comments>
		<pubDate>Fri, 05 Mar 2010 14:43:33 +0000</pubDate>
		<dc:creator>Jeffrey Kosola</dc:creator>
				<category><![CDATA[Frugal Friday Tips]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[chinese noodles]]></category>
		<category><![CDATA[dave ramsey]]></category>
		<category><![CDATA[family loving]]></category>
		<category><![CDATA[food and drink]]></category>
		<category><![CDATA[Frugal Tips]]></category>
		<category><![CDATA[instant noodles]]></category>
		<category><![CDATA[kroger]]></category>
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		<category><![CDATA[noodles]]></category>
		<category><![CDATA[pot noodle]]></category>
		<category><![CDATA[spaghetti]]></category>
		<category><![CDATA[spaghetti sauce]]></category>

		<guid isPermaLink="false">http://deliverawaydebt.com/?p=1644</guid>
		<description><![CDATA[Today we&#8217;re going to look at the 10 for $10 sales that most grocery stores offer at different times of the month. My store of choice is Kroger. Kroger offers 10 for $10 on 2 items that my family cannot live without. Noodles and Spaghetti sauce. Dave Ramsey says that you need to live on [...]]]></description>
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<p>Today we&#8217;re going to look at the 10 for $10 sales that most grocery stores offer at different times of the month. My store of choice is <a href="http://www.kroger.com">Kroger</a>. Kroger offers 10 for $10 on 2 items that my family cannot live without. Noodles and Spaghetti sauce. <a href="http://www.daveramsey.com">Dave Ramsey</a> says that you need to live on rice and beans, beans and rice while blasting away debt. My family loves rice (we buy 20lbs bags), but also loves noodles. I could start calling my kids Noodle #1 and Noodle #2, but that might damage them for life. I just don&#8217;t know where they got the noodle gene &#8220;<a href="http://deliverawaydebt.com/frugal-friday-tips/frugal-friday-tips-lunch/">Noodle Boy</a>&#8221;</p>
<p><strong>The Cost</strong><br />
The normal price for a box of noodles is $1.79. The brand of noodle doesn&#8217;t really matter to us. Kroger rotates the brands from month to month so we&#8217;re not picky. The spaghetti sauce for some reason is always the same, Hunts. Yes it comes from a can and not jar, you can&#8217;t be a snob when getting out of debt. The typical everyday price of the spag is $1.79 for the 22oz large size. My kids consume an average of 3-5 boxes per week of the noodles, and as a family we consumer 7-10 cans of spaghetti a month.</p>
<p><a href="http://deliverawaydebt.com/wp-content/uploads/2010/03/fridayfrugaltip1010.jpg"><img class="aligncenter size-full wp-image-1647" title="fridayfrugaltip1010" src="http://deliverawaydebt.com/wp-content/uploads/2010/03/fridayfrugaltip1010.jpg" alt="" width="483" height="148" /></a></p>
<p><strong>Tips and Tricks</strong><br />
As with all sales, you need to wait until the store has the sale before you can use it. Kroger has the sale every month so we purchase a months worth of food at that time. It is a good idea to watch the sale papers at your local store and take note of the items. These items usally have a coupon you can find for them. Hunts has coupons for the spaghetti sauce every once in a while. Using the coupon will bring the price down even more. Prince has coupons as well so we always clip and use them to save on the noodles.</p>
<p>I hope to continue to find other ways like this to save money on our everyday purchases. Using the 10 for 10 sales will save us over $280 this year on food we were already going to purchase. I sure hope I can get the kids to like other foods, but for now they are part of my Noodle Crew <img src='http://deliverawaydebt.com/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' /> </p>
<p>Here are some other money saving tips from around the personal finance blogging world<br />
<a href="http://canadianfinanceblog.com/2009/02/26/reduce-your-credit-card-interest-rate.htm">Reduce Your Credit Card Interest Rate</a> from <a href="http://canadianfinanceblog.com/">CanadianFinance</a><br />
<a href="http://ultimatemoneyblog.com/uses-for-mason-jars">Uses for Mason Jars</a> from <a href="http://ultimatemoneyblog.com/">Ultimate Money Blog</a><br />
<a href="http://mymoneyminute.com/happy-hour/wine-on-a-budget-oak-creek/">Wine on a Budget</a> from <a href="http://mymoneyminute.com/">My Money Minute</a></p>
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		<title>Friday Frugal Tips &#8211; Gillette Fusion</title>
		<link>http://deliverawaydebt.com/frugal-friday-tips/friday-frugal-tips-gillette-fusion/</link>
		<comments>http://deliverawaydebt.com/frugal-friday-tips/friday-frugal-tips-gillette-fusion/#comments</comments>
		<pubDate>Fri, 26 Feb 2010 11:31:50 +0000</pubDate>
		<dc:creator>Jeffrey Kosola</dc:creator>
				<category><![CDATA[Frugal Friday Tips]]></category>
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		<category><![CDATA[fusion razor]]></category>
		<category><![CDATA[gillette]]></category>
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		<category><![CDATA[razor]]></category>
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		<guid isPermaLink="false">http://deliverawaydebt.com/?p=1523</guid>
		<description><![CDATA[Welcome back for another Friday Frugal Tip. Today we are going to look at a simple way to reduce the expense of purchasing Gillette Fusion razors. These might just be the single largest expense that a man faces while trying to &#8220;look good.&#8221; Every man is different when it comes to facial hair. I couldn&#8217;t [...]]]></description>
			<content:encoded><![CDATA[<p><a class="post_image_link" href="http://deliverawaydebt.com/frugal-friday-tips/friday-frugal-tips-gillette-fusion/" title="Permanent link to Friday Frugal Tips &#8211; Gillette Fusion"><img class="post_image aligncenter" src="http://deliverawaydebt.com/wp-content/uploads/2010/02/gillette-fusion.jpg" width="500" height="299" alt="Gillette Fusion" /></a>
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<p>Welcome back for another Friday Frugal Tip. Today we are going to look at a simple way to reduce the expense of purchasing <a href="http://www.gillette.com/en-US/#/products/phenom/en-US/index.shtml/">Gillette Fusion razors</a>. These might just be the single largest expense that a man faces while trying to &#8220;look good.&#8221;</p>
<p><a href="http://deliverawaydebt.com/wp-content/uploads/2010/02/GilleteFusion.jpg"><img class="alignright size-full wp-image-1525" title="GilleteFusion" src="http://deliverawaydebt.com/wp-content/uploads/2010/02/GilleteFusion.jpg" alt="" width="325" height="555" /></a></p>
<p>Every man is different when it comes to facial hair. I couldn&#8217;t grow a mustache or a beard to save my life, but many men can. Every man is also different when it comes to removing all that facial hair. I like using the Gillette Fusion razor. I&#8217;ve tried other brands but nothing allows me to shave as quickly and accurately as the Fusion. <a href="http://www.gillette.com">Gillette</a> also has one of the coolest forms of marketing for young men. At the age of 16, the company sends out a free shaving kit to young men in hopes of developing their band. Gillette remains the number one seller of men&#8217;s grooming products.</p>
<p>The Gillette Fusion is a great razor, but unfortunately that greatness comes at a price. The Fusion along with 2 razors cost around $9. If you buy the razor refills it will cost at least $15 for 4 and $26 for 8. Being the Frugalisto, I&#8217;ve been buying a new Fusion with 2 razors for $1 or less for the past 2 years. $0.50 per razor is much better than $3.25 per razor if I was to purchase the 8 pack refill kit.</p>
<p><strong>The Process</strong><br />
Here&#8217;s the simple process I use to purchase my Gillette Fusion razors. At least once per month there is a coupon in the Sunday paper for $4.00 off the Fusion with 2 razors. I cut the coupon out and then look for the Walgreens and CVS ads. Every month these two drug stores run promotions for the Fusion. I hold onto my coupon until I find the sale. This can take a week or two, so be patient. The sale typically gives you REWARD dollars to use the next time you are in the store.</p>
<p><strong>Tricks of the Trade</strong><br />
I don&#8217;t play the <a href="http://www.getrichslowly.org/blog/2008/05/21/how-to-save-hundreds-by-playing-the-drugstore-game/">drug store rewards game</a>, but I do use it in this case. The ad will look like the one above $8.99 &#8211; $4.00 (rewards cash) = $4.99. Now you take your coupon to the store and use it make your first purchase. If you are not a member of the store&#8217;s club then you can sign up at the counter. The $4.00 coupon will make the price $4.99 and a total of $4.00 will be added to your rewards card. The next time you need a razor take the coupon into the store along with your rewards card. After the cashier is finished ringing up the razors, the coupon, and your rewards cash you get the razor for $0.99. The trick is to purchase only at the time the sale is going on. If you pay the extra $4.00 the first time, each time after that they&#8217;ll put $4.00 on the rewards card and you&#8217;ll get the razor for $0.99. If you do play the reward games at these stores, you&#8217;ll probably have extra money on the card so the Fusion will be FREE.</p>
<p><strong>The Cost</strong><br />
We&#8217;ve already talked about the cost above, but as everyone knows I love to chart it out for the year.</p>
<p><a href="http://deliverawaydebt.com/wp-content/uploads/2010/02/razorcompare.jpg"><img class="aligncenter size-full wp-image-1531" title="razorcompare" src="http://deliverawaydebt.com/wp-content/uploads/2010/02/razorcompare.jpg" alt="" width="424" height="86" /></a></p>
<p>$12 a year for razors is awesome. As I stated before, all men are different. I&#8217;m able to use only two razors per month. Other men go through 2 razors a week. It&#8217;s ok though, you just need to ask friends and family for their coupons. As long as you make separate transactions, the drug stores will allow you to keep using the rewards offered on their card.</p>
<p>Good luck everyone!!</p>
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