Tag Archives: frugal

Check Your Warranty

I backed our Toyota out of the garage last month and immediately knew something was amiss.  It barely responded when I applied pressure to the accelerator.  I backed it up and then I put it in drive and put it right back inside the garage.  There was no way I was driving it today.

We had it towed the next day to the Toyota dealership and then the bad news came…It needed a new accelerator assembly along with some other part.  We had to have it repaired so we would have to figure out how we’d be able to eek this major expense out of our budget.

I briefly mentioned our car woes on social media and a very good friend of ours (now our best friend!) informed us of an extended warranty that covers our make/model for the accelerator assembly!!  Wow!  This seemed way too good to be true!  It was like our own Christmas miracle!

We passed on this information to the service advisor at the dealership and he said he’d speak to his tech and get back with us.  Sure enough, he said it’s covered.  So, a couple days later, I returned the courtesy rental car and proceeded to pick up our beloved vehicle.

When I walked into the little office cubicle, the service advisor let me know that the gentleman we had been dealing with was out that day and he had no knowledge of this extended warranty.  Great!  So, in comes the service manager, who also has no knowledge of said extended warranty.  Really?  So, he says he has to go check on this.  After a long wait made longer, he returns and says, “Why, yes, it is covered.”  Praise the Lord!

… My boxing gloves were saved for another day…just kidding.

What was going to be a $1,200 expense was now a mere $217 repair for an unrelated part we needed!

This was incredible!  (especially considering it is now twelve years old)  It has been a wonderfully reliable vehicle and we’ve always maintained it.

All of this to say … if your vehicle needs repair, research and put the word out about the situation.  You never know when an issue may be covered!

We absolutely love Toyota’s and have been a Toyota family for a while now.  We may be purchasing a “new to us”, previously loved vehicle in the near future and our choice will always be Toyota!  They really do take care of their customers and that’s what makes us so loyal.

Thanks, Toyota!

…Psst – Check that warranty!

 

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Target Deal

Life is busy.  I don’t coupon.  Maybe I should, however I do a lot of my shopping at Aldi (a discount grocer), so I guess I’m not as motivated as some.  I feel like I’m already getting things at about half price.  But, when a deal smacks me in the face, I am wise enough to engage!  Such was the case the other day!

Okay, don’t laugh … but, sometimes I’m techno “challenged”!  I was doing a little grocery shopping at Target the other day when I saw these signs that said “Save $10 when you spend $50 on groceries”.  Well, I’m no rocket scientist, but I know a good deal when I see one.  Despite my “challenges”, I was going to make this work!  I grabbed my trusty iPhone and texted Target and entered the coupon code.  Voila!  Presto Change-o!  It actually worked!  I did it!  For you teeny-boppers, you’re probably ROFL, but I’m the mother of teeny-boppers, so this is a big deal!  I only used a coupon on my phone once before and that was at Michael’s.  Sadly, the yuppy cashier had to assist me in getting to the proper screen.  Hey, the important thing is, that I got the discount!  I digress …

The best part about getting groceries that day at Target was that most of what I purchased was on sale as well.  For instance, the Folgers coffee was $6.99 each, which is an awesome deal for a big container!  It’s double that price at the regular grocery store around here.  I bought two.  Should’ve bought more in hindsight.  Anyway, I got some lunch meat and some other necessary things.  The icing on the cake was the fact that I also had a $5 gift card from the last visit when I bought 3 sets of Suave Naturals mint shampoo and conditioner.  If you bought 3 sets, you got the $5 gift card.  They were $3.87 per set, which was pretty good.  Not great, but pretty good.  I just saw them at another store for $2.50 each, which is normally what they run for.  So, to get the gift card on top of that was pretty decent.

So, my grand total of savings on this Target shopping day was $15 plus the difference between the sale items vs. regular price.  (which I didn’t tally up)  Not bad for a non-coupon clipping lady!  (not to mention, a limited-techy lady)  I just love when I stumble upon an amazing deal!  Thank you, Lord!!

Have you found any great deals lately?

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Praise Report: Auto Style

Can I just tell you that I spend entirely too much time worrying about things?!  Just Wednesday I was provided with fresh worrying material when the Toyota mechanic at the dealership informed us that our 2002 Sequoia needed new front and rear brakes, rotors, wiper blades, terminal for the battery, and on and on their list went!  Yes, fresh fodder for this weary mind that has a lot going on at the moment!

Well, the total for the above repairs would have cost $1,400 as I mentioned in a previous post, which nearly gave me heart palpatations just thinking about it in light of other recent expenditures.  We’re a one income family on a fairly tight budget, so huge unforeseen expenses are unwelcome financial intruders!

Our good neighbor across the street happens to be a Toyota certified mechanic and we’re also good friends with them.  I tell you, the Lord planted them there to be a blessing to us and vice versa.  My daughter often pals around with the young mom and her toddler, who is cute as a button!  We called our good neighbor last night to see if he could install the parts if we picked them up.  He said that it was no problem to order the parts and he could do the work today!  Wow.  Not even 24 hours later, he had our SUV up and running!  He picked up the parts this morning and paid with his employee discount too!  The parts cost $440 and he wanted to charge only $110 for labor.  We couldn’t let him do that, so my husband will give him a check for $650.  I know he doesn’t want to accept it and just wanted to be a blessing, which he was!  But, we also believe in treating people fairly and showing our appreciation.  We’ll have to bake him a cake soon.  He loved the last chocolate cake my daughter made for them.

What a tremendous answer to prayer this is!!  A savings of nearly $1,000!  (If the parts only cost $440, that means the dealer’s mark up and labor was $1,000!  Insane!)

God truly is so faithful to provide for our every need.  Why do I spazz out and doubt then?  “Lord, help my unbelief!”  Ah, somehow I think trusting God is a lifelong lesson.  God always provides and it’s not as if I didn’t think he would in this instance.  I just didn’t know how!  The timing couldn’t have been worse, but that’s when a pause is in order and deep breaths.  How I thank God that His favor lasts a lifetime.  “Surely goodness and mercy shall follow me all the days of my life!”  He is so good to us, full of mercy, compassion and love!

So, the lesson here is trusting God no matter what the circumstances or the timing are.  And, the bonus lesson is remembering how God provided this time when the next financial challenge comes along!  In the Old Testament, they built a monument in the desert when God performed a miracle.  Sometimes we need to also do that in our spiritual life today.  Write down the praise reports.  We’ve instituted a “Blessings Jar” where we write down all the great things God does for us throughout the year.  And at the end of the year, it’ll be great to reflect back on!  This testimony definitely qualifies a submission in the Blessings Jar!!

How has God provided miraculously for you lately?  Have you praised Him for it?  Built a monument?

 

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Frugal Challenges: Auto Style

Frugal living does not necessarily mean a life of total sacrifice.  It, conversely, has more to do with saving money where you can so you are free to spend money on the important, quality things of life.  So, that’s our mode of operation in general.  It’s all about intentional living … Redirecting our money away from useless, fleeting expenditures (like Starbucks coffees, pedicures, fine dining, etc.) and toward the things that strongly matter to us.  Choices.  All about choices.

Well, we were presented with an opportunity to choose to be creative with our finances today…

Yesterday we dropped our 2002 Toyota Sequoia off at the dealership to have the oil changed and fluids topped off.  And today they called us with the ugly news!  It seems our twelve year old SUV is in dire need of front and rear brakes, new rotors and a fresh air filter.  *Sigh*  The ugliness of it all is to the tune of $1,400!  Ouch!

It would seem our money tree out back is bare at the moment, so my husband has a better idea than to line the dealership’s pockets.  Our good neighbor is a Toyota mechanic so we’re going to see if he can help us out.  He also happens to be a Christian and we like their family a great deal, so prayerfully it works out.  He often does work on the side.  We figure between the cost of the parts and labor, we’ll likely save half.  That’s frugality put into practice.

We did, however, pay $88 to have the oil changed, etc. because my husband is sold on the idea of using synthetic oil and we always have.  So, that costs more and it likely needed quite a bit.  That said, we’ve owned this SUV for about seven years now and it has never given us a bit of trouble.  We always maintain it and since it’s my baby, it is driven for leisure only, not to commute to work.  It has about 181,000 miles on it and has traveled extensively along the eastern seaboard.  I always say that it will last however long we need it to!  🙂

Lately, it seems every time we turn around, there’s an unexpected expense!  We’ve had three:

  • Garage door spring repair – $450
  • 3 New Toilets – $600
  • HVAC repair – $809

Not to mention, the last three months of electric bills were: $718, $597 and $565!  And, now this … Ugh.  It’s a good thing we have no car payments!  I’m so thankful that old man winter has had his run for this year and we are slowly marching into spring weather!  (which means lower electric bills!!  Praise the Lord!)  Also, our electric bill will be lower anyway due to recent repairs and freon being added, thankfully!

Today I went to the discount grocery store we usually do a fair amount of our shopping in and reflected on the $86 well spent!  I stocked up on a ton of fruits, vegetables, and a lot of things.  At the regular grocery store, it would’ve been more than double that price!  So, we save where we can, like I said.

Oh, and I was so excited to use my $5 off coupon at Target this evening (if you spent $35 or more)!  Not bad considering I’m not much of a couponer.

And my 16 year old daughter has announced that she’s in need of a new summer wardrobe.  To the thrift store we go…

Also in the mix is our desire to do a few household projects, but we’ll see about those.

I cannot complain really.  We are so very blessed.  God is always so faithful to us and has never failed to provide for our every need!  We are firm believers in tithing and offerings.  One thing I’ve learned over the years is that you can’t outgive God!  He owns everything, afterall.  It’s all His.  He gives us the ability to work and earn a living, and blesses us on top of that!  What a kind and loving God we serve.  May we be wise and faithful stewards of all that God has entrusted us with!

When unexpected expenses arise it reminds us once again of the importance of an emergency fund and savings.  Like I’ve told my daughter, you will never be sorry for saving too much money!

So, here’s to increased savings!

 

 

 

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Home Improvement Projects!

It’s springtime!  And spring is synonomous with home improvement, isn’t it?  It is around here anyway.  The natives are restless from a long winter and anxious to get some things done now that we are beginning to thaw from an arduous winter.

Our house was built in 1977, and while it possesses many fine qualities, there are some issues to be reckoned with.  In our nearly twenty years of marriage, we’ve only owned new houses up until three years ago.  We’ve done more interior painting and installing wood floors, tile and lighting fixtures than we’d care to reflect on in years’ past, but a house this old has a mind of its own!  Take, for instance, a simple thing like our doorbell decided to give up the ghost.  My dear husband attempted to repair it, but noticed an inner part had been damaged beyond repair.  So, we ordered a new one ($19.99) on Amazon.  The configuration of the new receptor is much smaller now, so we would have to try to match up the old wallpaper border if we hung it where the previous one was.  But then my husband had the bright idea to put the old one back on the wall for now (no wallpaper repairs necessary) and we’ll hang the small one in an inconspicuous place.  I thought that was sheer genius!

Shortly after moving in, our kitchen drawers began literally falling apart.  I’m pretty sure they’re the original cabinets and drawers and are made of some hideous pressed wood on the sides, which is warping by the minute.  Right now we have two drawers out of commission.  The cabinet/granite guy came out again yesterday to re-measure, and if he and my Negotiator Husband agree on the price (which I think they will), we will have a new and improved kitchen soon.  Goodness knows, we need it.  I’ll post pictures when and if it happens.  We have a walk through kitchen, the smallest we’ve ever had, with virtually no pantry.  We’ll be adding two upper cabinets, which will offer much needed additional space.

We have four bathrooms.  Yes, 1, 2, 3, 4!  That’s a lot of bathrooms, considering I grew up in a humble home, where at one point, 7 people shared one bathroom!  And, somehow, we survived!  But, I digress… Four bathrooms.  My daughter’s toilet has never behaved properly since we’ve lived here.  My husband has gone to specialty plumbing stores in an attempt to purchase parts and, invariably, it doesn’t work out.  He’s pretty handy too.  This toilet is blue and definitely circa 1977 .  We’ve wanted to replace it but have held off.  Our first quote was over $400 for a plumber to replace it.  I called another plumbing company last week to get a quote and they said $618!  Can you imagine?  For one stinkin’ toilet?!  I hope it was gold plated at least!

Then last weekend, the day before my sister was due to visit, the upstairs hall toilet decided it needed some attention and repairs.  This one is mustard yellow.  Definitely 1977.  What was up with all the colors back then?!  That bathroom needs a complete remodel, but that’s another matter for another day!  And then we have the master toilet, which is white, but older, although not quite 1977.  It sits very low as a previous owner had polio and must’ve been made to accommodate him.  It’ll be good to replace it. The downstairs hall toilet is relatively new, so it’s fine.

Initially my husband and son ran to Home Depot yesterday to purchase a toilet valve kit, but then he got the idea just to replace them.  Yep, all three!  The Lord was truly with us, though.  We got a multiple product discount, making each toilet $78, plus a break on the installation fee.  So, a total of three toilets installed for $600!

They wanted to charge a haul away fee of $35 for each toilet, but my thrifty husband declined.  (Yay for him!) His initial thought was to haul them to the landfill himself, but we may put them on Freecycle or ask a home improvement friend if he wants them.  Then, our disposal cost is $0!  So, we’re pretty thrilled about our overall deal!

It seems lately a number of things have gone on the blink around here!  We just had our garage door repaired to a tune of $450, which was lowered from the initial quote of over $650! (thanks to my wonderful, negotiator husband!) Last week I discovered a leak under the kitchen sink.  It’s only a slight leak, fortunately, but will no longer be an issue once we remodel soon.  We’re getting an undermount sink with granite countertops.  I’m so excited that I’ll have a sprayer hose that actually works!  What a concept!  😉  Our current sprayer has never worked since we’ve lived here.  Truly disappointing.

This Old House … Ya gotta love her!  Our house has a lot of charm, really, it does.  It just demonstrates the fact that houses require a lot of upkeep and constant care.  I’m really surprised that the previous owners didn’t upgrade the upstairs’ bathrooms, but I think they rarely used the upstairs once their kids were grown.  So, it wasn’t a focus.  They did, however, do some updating on the main level, which is part of the charm that sold us.  If we stay here long enough, the windows are next!

Our unspoken motto is:  “We never pay full price.  Ever.”  No matter what the project is, we try to do it ourselves first.  If a professional is required, then we comparison shop until we find the right price.  The right price is the price we are willing to pay.  Our budget dictates being as frugal as possible, especially since we are a one income family in a high cost of living area.  We would never sink more money into an investment than we anticipate realizing in the future.  That goes for any investment, particularly a house.  It’s called wisdom.  For example, if we didn’t think the kitchen was an ideal room to invest money in, we wouldn’t proceed. However, since we know that prospective homebuyers focus on the kitchen first and bathrooms second, those are worthy investments.  We are always thinking in terms of resale.

Do you have home improvement projects in mind?  If so, care to share?

 

 

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Thrift Store Haul

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Today’s thrift store adventure was successful!  This is what I found:

  • Four pairs of men’s shorts for my ever growing son – $3 each
  • One pair of shorts for hubby – $3
  • Casual men’s shirt for my son – $3
  • Two pairs of capris for myself – $3 each
  • 18 Joy Mangano non-slip “Huggable Hangers”- $3.50
  • a pen radio – $3.60
  • a set of VHS tapes – “History of the Gun” (A&E Special)  – $2.10
  • Hardback Book – $2

We mainly went to look for summer clothes for my son, but also to use the 30% off coupon I had.  🙂   All of the shorts were name brand, such as:  American Eagle, Polo, Aeropostle, Arizona, etc.

I absolutely love the huggable hangers (as seen on HSN)!  They are tremendous space savers, in addition to ensuring clothing doesn’t land on the floor.  I’ve bought several sets over the years, so I was thrilled to find the “like new” set of 18 today!  If they were grungy, I wouldn’t have been tempted, but they are in mint condition.

Guess whose idea the pen radio was?  Yes, my 14 yr. old son!  It was brand new in the package and even included batteries and headphones.  He was too thrilled!  What is it about teen age boys and gadgets?  😉

All in all, a good treasure hunt!  That’s the interesting thing about the thrift store.  You never know what you may find.  I’ve shopped at this particular one for a long time and have gotten some amazing deals.

We also dropped off two large bags of donations as well as the bags from my Dad’s recent purging.  So, our trip was dual purpose.  Ironically, we donated two sets of VHS tape series … and we brought home another!  I guess you can’t go too wrong for a couple dollars.  Haha.

Thrift store prices vary from area to area.  As I’ve previously mentioned, we live in a high cost of living area, so these prices are pretty good.  I’ve been to some thrift stores that have a $.99 bin for clothing, which is usually the last step before the trash; but $.99 cent clothing is not to be had around here.  You might be able to find a t-shirt for that price, but that’s about it.  Considering a pair of shorts at Target or a department store runs about $20-$25 a pair, I’m pretty satisfied with paying $3 a pair!

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A New Favorite $ Saving Site

So, my 14 year old son is growing out of just about everything he owns!  Fortunately, we shop at a great thrift store and can stock up on clothes for him there.  He recently grew out of his tennis shoes also.  I decided to check:

http://www.6pm.com/

My son and I perused the website and found a pair of size 12 Reebok running shoes that he likes for $36.99!  That is an awesome price for running shoes, I thought.  He’s hitting that stage of growth spurts I remember my older son going through a decade ago.  He’ll be 15 in a few months and is closing in on 6′ fast!  I always knew he would be tall.  At 9lbs. 10oz. and 22 1/2 inches, he had no where to go but up, up, up!  🙂

6pm.com not only sells shoes, but clothing and accessories.  I’m most impressed with their shoe prices.  I detest paying full price for anything, especially for items my son will quickly outgrow!  It seems that clothes and shoes are merely disposable items these days, so why pay more when it’s unnecessary?

My lovely sister-in-love told me about that website a while back and I’m so glad she did!  She’s a savvy bargain hunter herself!

So, I just thought I’d toss it out to you all.

Here’s to saving a few $$ today!

Do you have a favorite $ saving website?  Care to share?  Of course, there’s ebay, Amazon, half…  What else?

 

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