Search Results for: overmyminutes.com

Overmyminutes.com: Keep Track of Your Cell Phone Usage

In the world of cell phones, there are two kinds of people. There are those who never use up their minutes and have a roll over plan that continually forwards them to some distant future when cell phones will be imbedded in people’s brains instead of carried around on a hip or in a purse. There are also those who continuously go over their minutes and have to pay a large cell phone bill every month. Both types of people could benefit from keeping track of their minutes. The folks that have more minutes than they are using may see … Continue reading →

The Whopping Family Cell Phone Bill

Cell phones as we know them are only a few decades old, and yet it is hard to think about living without them, despite the fact that humankind survived centuries without cell phones. It isn’t unusual these days to be spending $250 or more a month for your family cell phones. In some families, the cell phone expense may be the second highest monthly bill, after the mortgage or the rent. Doing without other things, from eating out to dental care (in some cases) in order to afford cell phones has become the norm. How did things get so crazy? … Continue reading →

Giving It All Away

One of the negative things that is sometimes associated with living a frugal lifestyle is the idea that frugally-minded people are also tightwads or stingy. That is, if you wash out your ziploc baggies, shop at thrift stores or lower your thermostat in the winter, then you must be a miserable person with no thought for others. Remember Ebenezer Scrooge? But I think that frugal people are in a unique position to be able to be far more generous than the average person. Frugal people have learned how to save money, stretch those dollars and finds ways to make something … Continue reading →

Qualities that Will Get You More Money

If you can foster the following qualities in yourself, then you will wind up with more savings and a better budget. Here are some things that every frugal living person should have. Patience The old saying may be that “time is money,” but we can turn this around to mean that being patient with time is more money. How? Well anytime that you can be patient with a purchase you will generally save money, whether it is waiting a year for the price of that new gadget to go down, shopping around for a new mortgage or saving up for … Continue reading →

Become a Home Consumer Tester and Get Free Products

One way to stretch your budget on the household items that you use is to become a consumer tester. You’ll get free products and usually a small payment besides. When my oldest child was our only baby, I did some consumer testing for a couple of companies. Basically, I would receive unmarked products in the mail, test them out and then fill out a survey with my observations and comments. After the survey was submitted, I would receive a small check in the mail for my time. Plus I got to keep the products that I tested and put them … Continue reading →

Frugal Living Can Be a Blessing

We all have different reasons for trying to save money and live a frugal life. But too often, we focus on the deprivations of living frugally, such as not being able to eat out often, or living without cell phones and cable television. But this is the wrong attitude. Frugal living is a blessing in many ways. It fosters appreciation Just the other day, my family and I were at a local park and everyone was having a great time. I felt completely blessed to have this great free resource nearby. In the past, before living frugally, I wouldn’t have … Continue reading →

Get Your Body and Your Finances in Shape

With the warm weather coming, you might be more conscious of getting your body in shape for a summer full of swimming and lighter clothing. joining a gym can be a great way to do this, but let’s face it, a gym won’t do anything for your finances. Here is how to get in shape or stay in shape while actually benefiting your bottom line. Substitute your feet Make it a challenge to substitute your feet for your car as often as possible. Take a walk or a bike ride to the store if that is feasible. Is the store … Continue reading →

How to Shop Smart

Sometimes it isn’t all about the coupons and sales but where in the store that you shop. Did you know that you can often find two of the exact same things (or at least similar things) in a store such as Target or Walmart and yet pay two different prices, depending on the section in which you find the item? Doing a little creative thinking can often save you some money. Similar use items When shopping for something first think about whether or not it might have other uses. Is it a specialty item? Are there other items that might … Continue reading →

How to Make Money at Home

Strike out and make some money at home without an investment. You have all seen the ads about making money at home in your spare time. At least 90 percent of these ads (if not all of them) can be scams that require you to pay for something up front or simply give you the instructions for placing your own make money at home ad and hope for gullible people just like you to give you money. This practice makes me so angry because the victims of it are usually frugal-minded moms who want to be able to stay home … Continue reading →

Going High Tech for a Low Cost

For the truly frugal, staying away from high-tech devices can be one great way to save a lot of money. Think of the thousands you can save in a year by cutting out cell phones, DVDs, MP3 players, flat-screen televisions, cable television, computers, and more? But doing without these things is not always practical. Cell phones can help you keep in touch with your family and be reachable in an emergency, for example. And buying a flat-screen television or keeping up cable may just be something your family really wants, or a practical way to avoid more expensive forms of … Continue reading →