Saturday, October 15, 2016

Thrive Gives: $100 in free items and steep discounts on everything else

Swagbucks had a deal the other day where you got some Swagbucks for signing up for Thrive Market and then more for placing your first order. I went in through the Swagbucks link, then signed up for Thrive Gives, which is their program that gives a free yearly membership to anyone receiving any type of government assistance. The Swagbucks deal is down, but it may reappear. Or, if you want to apply for Thrive Gives without it, go here. Disclosure: Signing up for a Thrive Gives membership doesn't get me anything.

The Thrive Gives membership isn't very well explained on their site, so I'll tell you how mine has gone so far. I applied, then they sent me an approval e-mail within a couple days. I then placed an order that I paid their regular prices for. A week later, they sent me an e-mail offering me $40 off a $50 order if I took a survey about health habits. It stated that I'll get two more of these during the year, each for $30 off a $50 order. I'm not sure if you have to place an order first to get the $100 off; I thought it was a great deal anyway to buy things I normally buy at extremely discounted prices, and I got some Swagbucks for doing it. I remembered hearing somewhere that you get $100 of free things, but my membership approval didn't say how to get that, so I just bought some stuff so I could get some Swagbucks and because I signed up since I needed some things that they have the best priced on.

If you don't receive government assistance, Thrive Market is still a ridiculously good deal. The membership is $60 for the year. You can sign up for a regular membership here. Disclosure: Signing up through my link will give my family a few dollars off our next order. Then you can refer your friends and earn money off. (Is there anything these days that doesn't use a freakin' pyramid scheme to entice people?)

As far as their merchandise goes, it's basically the nonperishable sections of Whole Foods. So, I personally am not going to use it to buy organic pastas and soups and things. My family is very fortuntae in that we don't have any health conditions that limit our diets. So while we're scraping by, we buy whatever brands we can get through coupons and sales, and a lot of those are going to contain a lot of white flour and white sugar. I'm just not in a place where I'm going to spend two to three times as much for something that's probably slightly healthier. BUT, for those of you who have family members who require wheat-free, dairy-free, egg-free, soy-free, etc. foods, Thrive Market is going to be a much better deal than pretty much anywhere you can get those things locally. The prices are much lower than a grocery store, because they have less overhead. You can sort by gluten-free, vegan, etc.

As for what I ended up buying, I got a bunch of Everyday Shea products. They were less than half the price they are at Whole Foods, which is the only place I've seen it. Hair and skin products are the area where our family really can't go with the cheapest stuff, because in our family we have eczema-prone skin and hair textures that need added moisture and oil. Everyday Shea is generally cheaper than Shea Moisture or Curls Unleashed or any of those, but it's high enough quality that it doesn't contain mineral oil or petroleum jelly, which is pretty much where I set my bar for what I'll put on our bodies on any sort of regular basis. And at $7.95 for 32 ounces of shampoo, conditioner, and lotion (so, twice as big as a normal bottle), it's barely more than buying a low-quality grocery store brand.

I rounded out my order (you have to buy $50 per order, or else you pay for shipping) with some organic bleach-free tampons and pads, which with the discount were the same price as the brands we get at CVS that are rarely on sale. With my next order, which will be $10 for $50 worth of stuff (and closer to $75-$100 worth of stuff based on store prices), I plan to stock up on various hygiene items. They have a small selection of baby things and kitchen gadgets, so it would be a good program to recommend to low-income friends who have a new baby or are newly housed and could use some free supplies. I know baby items are especially hard to come by, so I probably will get some disposable diapers and other baby things to give to a food bank when I place my order. 

Thursday, October 13, 2016

I made some things

I made these muffins. Or energy bars. Or something. They're really good, whatever they are. And they were easy. Someone gave me a huge bag of rolled oats and a huge bag of dried cherries. I took this as a challenge.

First, I made oat flour. Sort of. Making oat flour is normally really easy. You put rolled oats into a blender, then turn it on until you have oat flour. In my case though, the only blender I have is a stick blender. For a decade, it's worked as well or better for all of my blendering needs. Making oat flour though wasn't one of those. I stuck the blender in a bowl with a small amount of oats. Turned it on. Oats flew all over the kitchen. I chose a mixing bowl I have that's more than a foot deep and taller than it is wide. Nope. Same thing. I ended up putting two towels over the bowl with the stick in between. This prevented huge clouds of oats from flying all over the kitchen, but some still sprayed out of the spaces. I ended up only blending it about halfway, so that it was basically half oat flour and half rolled oats. That's about what I was going for though, so it was all good.

I didn't actually measure any of the ingredients, because this was totally just improvising, but the recipe ended up being roughly:
  • 2 cups crappy oat flour (so, like one cup oat flour and one cup rolled oats)
  • 2 tablespoons oil
  • 1/2 teaspoon baking soda
  • 1/4 teaspoon salt
  • 1 cup almond milk
  • dried cherries added so that they made up about half of the volume of the batter/dough
I then spooned it into a muffin pan. I had these muffin papers that I got at IKEA for 99 cents or something, and I used them because I had no idea what consistency I would end up with, and I wanted them to come out of the pan easily. They ended up being something in between a chewy muffin and a soft energy bar. I still have a crapload of oats and cherries, so I likely will make them again. Um, I might see if one of my neighbors will loan me a jar blender though.

Oh, WIC now allows oatmeal, and they give you milk and soymilk, so this could be a great WIC recipe too. They don't allow dried fruit, but you could make it with fresh blueberries or bananas I'm sure.

Wednesday, October 12, 2016

FML, I now have a Fingerhut account. But not for the reason you think.

There's a Swagbucks deal to apply for a Fingerhut account and get $25 in Swagbucks. I did it. If your credit isn't great, it's not worth having a new account and a credit pull on your credit report, but if your credit is fine, it shouldn't affect anything. Just, for the love of all that is good and holy, don't use the Fingerhut account. It's overpriced cheap Chinese stuff sold at like 200 percent interest. There are so many better ways to get items cheaply if you need them. So go get a Fingerhut account, enjoy the $25 in Amazon gift cards, but then don't use the account. Use my tips for eBay and thrift stores and whatnot instead if you need to buy things and don't have the cash.

Tuesday, October 11, 2016

WTHDIDWTV: Zucchini Fajitas

This was one of the easiest things I've made recently and one of the cheapest. I had several huge zucchinis from my garden, even after I gave a bunch away to anyone who would take some. I also had onions, jalapeños, and habañeros from my garden, plus green peppers, avocados and limes from Fair Foods. I wasn't planning to use the peppers, but ended up needing them because Old El Paso and I have differing ideas about what constitutes "seasoning." Maybe I should start a class action suit. Just kidding. Mostly.

I grew these, yo
I sauteed the zucchini, green peppers, and onions, along with a packet of Old El Paso fajita seasoning that a coupon deal had paid me to take out of the store. I then tasted the stuff and realized that the packet contained approximately nothing, despite claiming to contain a bunch of spices. Which is weird, because their chili seasoning and taco seasoning are all right. This was bland though. I ended up adding soy sauce, lime juice, adobo, habañeros, and cumin. So, basically it was like I made my own seasoning anyway. Oh well, still cheap, and all stuff I had on hand. Next time there's a deal on the seasoning packets, I'll just get the taco one. There's not a lot of difference in the actual spices included, and I can add soy sauce and lime juice to the fajitas myself.

The dim lighting makes the bad tortillas not look as
bright white or spongy as they actually are. Do not be fooled.
I also had several boxes of Goya Spanish rice from couponing and Old El Paso tortillas that were free from couponing. FYI, the Old El Paso tortillas aren't very good. The flour is the overly bleached bright white type and they're kind of spongy and puffy, like bad overly processed white bread. Even store brand are better than these. They were free though, and they taste fine when filled with deliciously seasoning veggies. Oh, and I made some guacamole too, because guacamole.

Threw it all into the spongy tortillas, and there's some good stuff. There was enough for leftovers too, because there was so much damn zucchini. They kept well when pre-assembled and taken for lunches. (Sour cream and guacamole transported on the side if you're able to reheat it).

Wednesday, September 28, 2016

Uber Swagbucks offer: $12 in a couple of minutes, $90 if you work a bit harder

I just decided to check out the Uber offer that's been kicking around Swagbucks. It's listed at 9250 SB, but I clicked through and saw that it's 1250 just for signing up, then 8000 for your first ride, so I tried it. I entered my information on the Uber site and uploaded my driver's license. I usually don't give personal information to Swagbucks signup things when I've never heard of the company or it screams gimmick, but Uber is a reputable company, so I didn't mind. The next step was to upload my insurance information, which I wasn't willing to do since it has an exclusion for any paid ride-sharing service, and I'm not about to get my insurance cancelled. So I gave up.

Then I went back to Swagbucks and saw that it had credited me the 1250. Nice.

For those who don't speak Swagbucks, that's $12.50 in Amazon gift cards.

If your insurance doesn't exclude this type of use, you could have a friend take the ride so you don't have to actually be an Uber driver. Or if you know someone who drives for Uber and has the proper insurance rider, you could probably register using their car (I haven't checked whether two people can use the same vehicle).

Oh, and, obviously, if you want to sign up for Swagbucks to get a free $12.50, use my referral link, and then I can also get some Amazon gift cards. I'm currently saving up for a math textbook one of my kids needs.

Tuesday, September 27, 2016

Another trick to keeping track of eBay overhead

Since I've been selling so much on eBay, I've decided to start paying my eBay fees as I go, rather than waiting until I'm billed each month. Obviously the downside of this is that I'm giving eBay money that I could rightfully have available to me for a few weeks, but the upside is that this way the debt gets taken care of and the money doesn't accidentally get spent. It's essentially the same dilemma as whether to have enough income taxes withheld to get a refund versus having the money available to you and then owing taxes.

Specifically what I've been doing is this:

  1. Someone makes a purchase for $50 and pays for the item plus $4 shipping, and $54 goes into my PayPal account
  2. PayPal takes a fee of $1.87 (2.9% plus 30 cents per transaction) immediately, leaving $52.13 in my PayPal account
  3. I ship the item, paying $4 for shipping out of the same PayPal account, leaving $48.13
  4. I go into my account settings on eBay, where they add the fees to your account in real time even though they only require payment monthly, and see that they've charged me $5.40 for the sale (10% of the total of the item price and the shipping price)
  5. I make a one-time payment of $5.40, using the same PayPal account, leaving $42.73 in my PayPal account
  6. Now that all the fees are taken out, the transaction is completely over, and I withdraw the $42.73 to my bank account
This is proving to be a lot easier than setting aside money for the fees, or even leaving it in my PayPal account. I don't have to keep a spreadsheet with fees or anything if I just make a one-time payment every time I sell something. If I sell more than one thing before I get to the computer to ship my purchases, I can still make a one-time payment of the total fees I've accrued, and it works out the same way.

This calculator is useful for figuring out in advance how much you'll profit from a particular sale price, though it isn't necessary to use it if you're selling things that cost you nothing to acquire and you're charging actual shipping price. Any item priced at 99 cents or above with actual shipping price charged will net you a profit. The profit is 5 cents though, so you probably want to go with a few cents more to cover your envelopes and labels if you paid something for them. The calculator is quite useful though if you're selling something that did cost you something to acquire, or if there's a minimum profit you're willing to accept for your time. Just pay your fees as you go, and you won't have to worry about keeping data on your overhead, unless you really want to.

Monday, September 26, 2016

A critical look at food pantries

Having gone from being around the poverty line, to quite a ways above, to considerably below seems to have turned me into somewhat of an armchair sociologist. It's definitely fascinating to observe the privileges that come and go, as well as the able-to-present-as-middle-class one that might be the hardest for someone to obtain and hardest to take away.

Today I've been pondering food pantries. For the uninitiated, food pantries are (at least in states where food stamp and welfare distribution is funded and functional) programs that provide nonperishable and small amounts of perishable food to individuals and families who are either waiting for government food stamp (SNAP) benefits or who make too much based on the government guidelines but have a financial need because of a situation that the government isn't allowed to take into account. Some of these are run on an entirely volunteer basis, through houses of worship and other community organizations. Others are run through nonprofits using some combination of paid and volunteer resources. Some require participants to sign up and demonstrate financial need, some require identification of some sort to make sure people aren't participating more than they can allow, and others are completely anonymous.

If you've read anything I've ever written, you know that obviously I'm in favor of programs that provide for the needy. I of course favor a government that provides a high minimum standard of living for its people, but that's neither here nor there. In terms of programs that are available to us in 2000s Boston, I have worked at programs that provide for the needy, I've donated to them, and I've benefited from them -- both government-run and privately run. I wholeheartedly support these programs continuing to exist and being expanded and made easier to use.

But what I'm not sure I support is the current model of food pantries distributing actual physical food. And I have some skepticism around why this model persists.

The resources that go into these programs is immense. The programs collect food, usually at schools, businesses, and houses of worship. It's transported to a storage location. The storage locations can be quite large, up to full-sized warehouses for some of the larger programs. The larger programs run through nonprofits have full-time staff who are in charge of determining whether people are eligible. The smaller ones have volunteers running them, who could be spending their labor elsewhere, so it's not entirely free. Nothing is free. The programs often also distribute groceries to people who are older, disabled, have small children, etc., and can't easily come get the items. Again, even when this is volunteer labor, it comes from somewhere. They have distribution dates and times in which they have staff present, in a building that's climate controlled and up to sanitary codes and all that, for people to come and pick groceries.

This must cost a fortune. Surely it would be cheaper to mail people a grocery store gift card every month. (And allow people without a fixed residence or ability to safely receive mail to pick it up somewhere.) And probably frankly cheaper to skip the eligibility routine. I can't remember where I read this and my google-fu is failing me, but requiring people to sign off on something or speak to an actual person is a pretty damn good deterrent against people taking modest benefits that they aren't entitled to. And it makes sense to me; I think that even just having people put their name and address on a sheet and sign off that they meet the guidelines would result in very little fraud. I mean, really, do you think very many financially secure people are going to go hang out at a food pantry to get a few bucks' worth of groceries?

So, why does the food pantry model persist? Is it more about making the donors feel good than about providing food? And how much does the whole "I get to choose what poor people are allowed to have" play into it? That's what I imagine this is really about. I'm guessing that plenty of people who say they are basically progressive would be fine donating foods to a food bank and supporting its existence, but if you asked them about just giving gift cards, they'd have some conservative excuse about how "those people" would just use it to buy crap, or "those people" would buy something that isn't food.

We used these programs when The Thing™ happened and we were suddenly without much income, and I noticed that the food people donate to food banks is largely status quo "healthy" food. Which, I was cool with this because that's a lot of what we buy, but still, people seem to donate canned fruits and vegetables, boxes of plain low-cal foods like plain rice, plain pasta, a lot of canned tomato products, plain cereals, plain oatmeal. A good proportion of it was organic and high-end brands, too. I pretty much never saw anything like crackers I'd want to eat by themselves, any sorts of cookies, non-plain cereals, cake mixes, or anything like that. Just plain, mostly organic, fruits, vegetables, whole grains

Again, good stuff, for my family who has proper pots and pans and enough expendable income to buy milk, oil, produce, spices, sugar, and other things to add to it. But having known lots of food-insecure people in my life (and having had periods in my young adulthood where I didn't have stable housing or income), I have always have made sure to donate higher-calorie foods and foods that don't require other ingredients to make a decent meal. If the food pantry haul is all you have for the week, you're going to be better off with things like Mac and Cheese or rice and beans packets that don't need anything but water added. Or cans of stews and higher-calorie soups. Oh, and ramen. Ramen is 400 calories for one packet, which cost 10-25 cents. I make a lot of it myself. I add veggies, tofu, and eggs when I can, but I absolutely buy ramen largely because it's cheaper than rice or pasta and it ensures that everyone gets enough calories.

People rarely donate these things though. I rarely see any processed foods with a decent amount of calories that can be consumed on their own. I see organic, expensive, minimally processed foods. My only conclusion is that the people donating honestly think they're doing something really great for the poor people. They're thinking that they're providing healthier foods than we usually have. I mean, on some level they are; I don't often have organic $8 steel-cut oatmeal. But think about how many of the families using the food pantry don't have a fully stocked kitchen, only can afford the food the food pantry gives them, and would benefit more from the box of high-fructose-corn-syrup-arrific instant oatmeal packets. And think about how many more calories they would get for that $8 if they instead got several boxes of oatmeal packets.

I do really think the problem is that the people who do most of the donating, while well-intentioned, aren't thinking in terms of what they would want in the same situation. If I think about what people in this household have needed recently, we've had an adult who needed lunches to take to a workplace with a microwave but no fridge, kids who've needed to take a non-refrigerated, non-smashable-in-backpack snack to a day camp, and an instance in which someone needed to bring a celebratory item to share. Listen, our family is pretty happy with being unconventional, but even so, there is just no way we're going to send a bowl of plain oatmeal to an end-of-the-season celebration, or bring along a can of plain beans to microwave at work, or send a container of room-temperature pasta to camp when everyone else is bringing chips and granola bars. We make do with minimalist food at home, as you've seen here, but let's get real. We managed to provide for camp and work and all that with items we coupon for, but there's just no way we would have been able to do this on food pantry items alone if that was all we had access to. Yet the idea seems to persist that poor people don't need "junk food" like noodle packets and granola bars, and I'm sure we didn't need "fancy food" like the $3 package of seaweed I used to make cucumber sushi rolls for my kid's team.

I would love to see research as to 1) whether people would donate the same amount of money they spend on food pantry donations if they didn't get to control what people end up eating and didn't get the sense of altruism that they provided organic healthy foods to those poor people who don't know any better and 2) whether some of the people would donate at all, or whether they'd make snide comments about how "those people" would just buy junk, or sell the card, or whatever.

I mean, really, people could just as easily sell the food from the food pantry, right? If someone is really in that desperate of a situation that they're selling either food or their gift card, doesn't that mean that the people who are in a position to donate are in a much better place, and should have compassion for them? And what are we assuming poor people are buying if they do sell their card? I've heard that selling food stamps to buy diapers or pay for child care is fairly prevalent. Should this offend me? Yes, it does, but only in the sense that there are people in the wealthiest country in the world who are needing to do this.

And really, if someone is using any funds they can find to gamble or use substances, is the solution that we cut them off further from food so that they (and their dependents) are hungry too in addition to whatever illness they have? And as far as people buying junk, or buying fancy stuff, how does it affect me? Does it affect me any differently if I donate $20 a month and someone buys their kid a birthday cake instead of organic oatmeal? Especially because nearly all of what I donate would be going to feed a family, instead of the cash running the program and the organic oatmeal going to people who might prefer other things. I would love to know if someone has looked into moving food banks to a cash/gift card model instead of the current model, and what conclusions they came to.

Saturday, September 24, 2016

WTHDIDWTV: Still moar cucumbers

I did another google search for cucumber recipes, because they're continuing to take over. We keep giving them to people and eating them ourselves, and there keep being cucumbers. This was a quick and easy lunch; cucumbers, dill, and cottage cheese, served on toasted pumpernickel from Fair Foods. It's a little hard to eat, because the cucumbers slip off, but it was really good. Except notice how a whole lunch only uses six cucumber slices. There just is no way to get rid of these things! Argh!

Friday, September 23, 2016

WTHDIDWTV: Sweet potatoes, kale, corn, zucchini

Tacos! Who doesn't love tacos? I'm a big fan both of the fast-food Tex-Mex type and the more authentic type; I just think of them as pretty much completely different foods.

Today I made the Mexican type with stuff I had around the house. The cost was about a dollar to feed the whole family with some leftovers.

I had tortillas that I got free with coupons. They're Old El Paso, which are overly processed and kind of gross, but they were free. I had sauteed kale and sweet potatoes from the other day, which were from Fair Foods. I had zucchini from my garden and corn that someone gave us, which I also sauteed together. It was huge zucchini full of large pumpkin-like seeds, which I left in and cooked as-is, since these seeds roast up nicely and are often included in Latin food. The kale and sweet potatoes were generically seasoned since I used half of the batch in my quiche fritatta whatever thing the other day, and the corn and zucchini I cooked up with a lot of hot peppers and fajita-type seasoning, intending to use them just for this. I added canned kidney beans I got for a few cents with coupons, and some sour cream that I got with a coupon. Good stuff.

For dessert we had cucumbers.

Wednesday, September 21, 2016

WTHDIDWTV: Sweet potatoes, kale, onions, cucumbers

Hey where'd I go? I just logged in on the computer after a month or so of not doing so, and I realized that I screwed up some setting and was sending all my posts from mobile into a drafts folder instead of publishing them. I guess it's not much of a blog if people can't see it, hm?

So, here I am. Um, I made some stuff with produce from Fair Foods and our tiny garden. We had a bunch of sweet potatoes and kale. I sauteed them with onions and herbs from our garden, then made a thing. I'm unsure whether it's a quiche, frittata, stratta, omelette, casserole, or what. And the sites google pulled up about what these are didn't agree with each other. So it's just going to be a thing.

This thing was incredibly easy to make. Just pour veggies, eggs, cheese, cottage cheese, and seasonings into a large flat pan, then bake until done. The cottage cheese is optional; I got several big containers of it from couponing last week. If you don't like cottage cheese, don't worry, as long as you do like dairy products and soft cheeses in general; when you put it in something that cooks at a high temperature, it melts completely, and it's indistinguishable from ricotta, cream cheese, or other dairy products that you might use in this way. This works in lasagne and stuffed shells too. And of course, I served it with cucumbers, because our garden is producing them like crazy with no end in sight.


Wednesday, August 17, 2016

Modern-day equivalent of finding coins in the couch cushions

Y'all, I've got this drawer full of credit cards. I surprisingly have pretty decent credit. I've never paid a bill 30 days or more late, so even though I don't have any cash flow, my credit is up there. So, banks that I have any sort of account with will send me credit cards, and credit cards that I don't carry a balance on will send me cards with bigger and bigger limits and shinier cards with holograms and cool names.

I usually toss these into the drawer, because I'm not about to start running up debt when I have no way to pay it off. Sometimes though, I need to go through the cards and figure out which one has the lowest interest rate, like when I need to call a repair person, or when I recently needed to hire a lawyer. While I've never been wealthy, back before The Stuff That Made This Blog Need To Be A Thing happened, I typically had an extra $500-$1000 or so in my checking account in case of emergency -- at least enough to be able to give someone a substantial down payment that showed them I was an employed adult who wasn't messing with them. 

So, yeah, following what we'll call The Stuff™, I have no money, but sometimes I run into these situations where I need to find a credit card with room on it. We have enough steady income to pay for housing, we find ways to get food and clothing and any other normal everyday things we need, but the barter system just doesn't work for most one-time services when you don't know someone in the business. So for the foreseeable future, until some things hopefully shift and we're able to work more, emergency expenses get paid for by the drawer o' cards.

So today, as I was looking through my file of cards to check some credit limits and interest rates, I decided it was also time to throw out the expired and the duplicates where they send you a fancier card for the same account to convince you to use it. Boy was I surprised to find several $5 and $10 gift cards to stores, and five $25 Visa gift cards! I checked these on the websites, thinking maybe I had tossed them in there with a couple dollars left on them, but found that they actually were unused. Who was this person who was so rich that they were just tossing perfectly good money into a drawer?

I do actually get how it happened though. A relative sends the Visa gift cards for adult birthdays and sends presents to the kids. In my not-completely-broke thinking over a few birthdays a few years ago, I decided it was greedy or self-absorbed or something to use them for expenses, and figured I needed to save them for something really nice that we wouldn't normally spend money on. Yeah, now I'm in a pretty different mindset. Those are going toward bills. And the store cards? Those were all ones that were handed out at events or sent to us as promotions. Again, in my pre-completely-totally-destitute thinking, I figured I would toss a $5 Home Depot card into a drawer until next time we wanted to make a home improvement purchase there. Now, I'm in a place where I'm like, holy crap, I can get $5 worth of cleaning supplies, or the paint brushes one of the kids needs for art class, instead of sitting here not buying those things because I'm trying to figure out how to pay bills. And all the Starbucks and Dunkin Donuts ones? That I was saving thinking I'd apparently buy myself fancy drinks? Those places have bagels and juice and stuff. These are going in my wallet for a free way to stop and grab dinner next time we're stuck out somewhere.

Monday, August 15, 2016

Things poor people do

Today we got a letter welcoming a family member to a program run through a local nonprofit, which requires participants to be low income. Without going into too many details, since it's a small, specialized program, I'll just say that it's something that has a great reputation and is no doubt going to be very helpful. 

I was reminded yet again of how society views me though when I saw that the welcome letter required all household members to sign an agreement that while on premises, we will refrain from harassment, assault, drugs, weapons, theft, and so forth. I should probably mention that this place is in the suburbs. And provides a number of services and programs. The other programs we've participated in at this place weren't exclusively for poor people, so they didn't have us sign any "be sure not to act ghetto" agreement. I mean, OK, I've worked in the nonprofit world enough that I get the reasoning behind having a signed agreement so you can kick people out as it becomes necessary. But could they really not have used the generic "abide by all rules and regulations" one-liner instead of needing to send us a detailed list of all the things poor people better make sure not to do? 

Friday, August 12, 2016

I seem to have a shitload of cucumbers

Cucumbers neatly lined up (bottle of free wine for scale)
So, I don't really know how growing stuff works, other than that you put seeds in dirt, water it, and it works maybe 50% of the time.

Apparently my cucumbers decided to do really well this year. We've been getting a harvest like this every couple of days. If you live on my street and wonder why there were cucumbers in your mailbox, you're welcome. Of course they had to go and do a lot better than the more versatile things we planted (squashes, tomatoes, onions, sweet potatoes, okra, collards...). Not that I'm complaining, but I have a feeling I'm going to end up spending more to buy things to use up the cucumbers than I saved by growing food myself.

All of us in Chez Scraper really like cucumbers, but the one downside is that is that most everything you can make with them is pretty much completely devoid of calories, which doesn't really work as an entire meal for kids. Cucumbers are not like most vegetables where you can make stir fries, pasta, burritos, etc. with them. A few weeks ago I made cucumber maki rolls, which was enough for a standalone meal. It still only used up one cucumber for the entire family though; they're mostly rice. We made cucumber/watermelon/basil/mint salad all from our garden, which was delicious but not an entire meal for growing kids, so we served it with some hummus, bread, and grilled veggies. We've done some salads with more substance to them too -- green salads with salad dressing and canned beans, and a salad of cucumbers/peppers/chickpeas/olives. This weekend I'll probably buy some grains that work with cold salads and do some of that. Or maybe I'll ask the internet how to make pickles? Hm, I wonder if you can make cucumber kimchi...

Tuesday, August 9, 2016

My free wine is here!

Does all this wine make me look like an adult?
The free wine showed up today. It took a week to get here from California with no shipping fee, so not bad at all. Oh, plus it was free; it could take a damn year to get here and that would be fine with me.

It comes via FedEx ground, and it's in a sturdy box with a convenient carrying handle. Being me, the first thing I thought was that this will be great for shipping fragile stuff I sell on eBay. It also occurred to me to sell the wine on eBay. But I digress.

For now, the wine is hanging out in my cabinet, making people think I'm the sort of person who owns wine that didn't come from Trader Joe's. Except that anyone who comes to my house clearly would know that that's not the case, and it must have been free or a gift or something. Once this wine has done its job of making me more and more classy and refined just just by existing in my living space, I probably will use the stash to have something nice to take to friends' houses and whatnot. If any of my friends are reading this, rest assured that the wine I will bring over to your house will be custom-selected for you and your event, and any similarity to the free wine is entirely coincidental.

They spelled wine wrong
I cancelled the Club W membership once the wine arrived. It was super easy to do. You can even do it over the text chat feature on the website without having to use the phone. Of course there was a tiny bit of pressure to keep the service, but the gentleman I spoke with (Ameer) was understanding and professional.

BTW, the free wine offer is still up on Swagbucks for anyone who hasn't ordered theirs yet. At the risk of sounding gimmicky, go order yours now, because it probably won't be up for long.

EDIT: FYI, the wine deal is now under "featured ways to earn" as of Wednesday

Lots of stacked coupon deals at Stop and Shop right now

$32.73 for everything you see here
Stop and Shop has certainly been making the stacked deals easier lately. So, if you haven't already done this, you can go to their website and register your Stop and Shop card, and then you can load coupons onto it. This is a feature they've had for a while. Over the past couple of months though, they've been featuring the same coupons that coupons.com has. This means you can use the Stop and Shop card and the paper coupon together, resulting in twice the savings (or 3x if the coupon is 99 cents or less).

At the moment, many of these same coupons are also on SavingStar. Depending on the price of the item, it can be free or close to free after you use all three coupons on one item. Some examples that are currently active:

General Mills Tiny Toast cereal:
rings up as $3.00 (on sale until Friday, normal price $3.99)
-$1.00 Stop and Shop coupon
-$1.00 Coupons.com paper coupon
-$1.00 SavingStar rebate =
...come on, you can do the math here. Free cereal, beeotch!

Cascadian Farms Granola:

Same price, same coupons, same deal. Also free!  

Other cereals had higher shelf prices or smaller coupons, so they ended up being 50 cents or a dollar per box. 

Old El Paso vegetarian refried beans:

rings up as $0.74 (they're being discontinued at S&S, usually $1.69) x 3 = $2.22
-$1.00 on any three items Stop and Shop coupon
-$1.00 on any three items Coupons.com paper coupon
-$1.00 on any three items SavingStar rebate
= -$0.78 for the three cans

Note: They only had one can on the shelf, so I ended up getting two 99-cent taco seasonings and the one can, so it was -$0.28 instead of -$0.78. Still, um, I'd say that's a good deal.

Totino's Pizza Rolls (big package):

3/$10 (on sale until Friday, usually $5.19 each)
-$0.75 off of three Stop and Shop coupon
-$0.75 off of three Coupons.com coupon
-$0.75 doubled coupon
-$0.75 SavingStar rebate
= 3 large packages of pizza rolls for $7.00 instead of $15.57

Purex laundry detergent 150oz:

I did this over two trips, so there are only two bottles shown, but here's how to get the best deal:

On sale for $5.99 (on sale until Friday, usually $9.99)
Bought three of them, used three dollar-off coupons from their website
SavingStar rebate: $5 off $25 purchase (it goes by the full price, not the sale price)
SavingStar rebate: $1 off any Purex purchase (it will credit both rebates)
Pay $14.97, get $6 back
= $8.97 instead of $29.97 for three jugs of detergent


Oh, and I'll earn $1.50 wotth of Swagbucks for the 15 Coupons.com coupons that I printed through the Swagbucks site. It takes 2-3 months for them to credit, but since I regularly use coupons from there, I see the deposits showing up regularly. Total of $32.73 includes SavingStar rebate, iBotta rebate, and Swagbucks.

Have I mentioned that the cat is an asshole?! I may need to make a label for that.


Monday, August 8, 2016

Because I didn't have enough of these pyramid scheme things going on

It's fine, but I'm just not finding it as exciting as these folks are
On the advice of some people on Reddit, I'm trying out EarnHoney now. Folks there are saying that it makes more money passively than Perk TV or Swagbucks TV, so I'm going to try running it on the computer that sits around being mostly unused. It seems to use less processor power do a lot less freezing and crashing than the Perk TV website does, so maybe it will earn more. Oh, and they offer $5 PayPal payouts for the same amount of points bucks honeys? same exchange rate as $5 Amazon gift cards; the other sites all charge more for PayPal or other same-as-cash redemption.

On that topic, thank you to everyone who is signing up for these sites using my referral links! It's helping me out immensely. To find them, just click on Swagbucks, PerkTV, etc. in my labels sidebar and find the posts where I include my referral links. Or comment and I'll reply.

Is it bad that I looked on Craigslist to see what there was in the way of free computers? And, naturally, I found people giving away computers that are newer and faster than my 10-year-old steam-powered laptop. It's tempting, but we live in a pretty small space, and I really don't have anywhere to put a computer farm that wouldn't be cluttering up our living space, especially since what I'm finding are towers with CRT monitors. If anyone knows anything about phones though, I would be open to setting up some phones to run Perk apps. I don't really understand what the specs on phones mean and what would be necessary to run the apps. All I know is that my five-year-old iPhone will run it, and an even older iPod I have will run it for a bit and then crash, but even those aren't worthless enough that anyone is giving them away. It sounds like from Reddit that people are using various Android phones that they're getting for free or a few dollars, but knowing me, I'd get something that won't actually run it.

If you want to show your appreciation for my getting you hooked on these gift card apps, e-mail or comment and explain phones to me! 

Saturday, August 6, 2016

Fake Korean food for about 50 cents per person

I improvised this dinner tonight. I call it "a bunch of stuff I needed to use up, plus hot sauce." Each plate has half a packet of instant ramen, 1/4 of a block of tofu, one egg, and a bunch of vegetables from Fair Foods. The dozen eggs were 25 cents using stacked coupons. I used some hot sauce I got for free with coupons, soy sauce I got for 25 cents with coupons, and some sweet chili sauce from Trader Joe's. It would have been better with kimchi and actual Korean chili sauce, but was pretty delicious nonetheless.

Friday, August 5, 2016

Another meal for a buck or two


I forgot to snap a picture until they were mostly gone
Here's tonight's dinner, which I tossed together with some stuff from Fair Foods and a few things I had in the pantry. It probably cost about two dollars for everything.

I make these potato wedges quite often. They're ridiculously easy; I just chop up a potato, toss with Goya Adobo, paprika, and dill. Then place on a greased baking sheet and cook at the same temperature as your other stuff (usually around 350-400) until soft and slightly browned. You can also toss with flour to give them a bit more of a skin, but I didn't bother. They're really just vessels for condiments anyway, right? I served them with a variety of condiments (obviously) and some veggie burgers made using my usual recipe that I've mentioned here before. The potato wedges were made using potatoes from Fair Foods (part of a bag of about 20 lbs of produce acquired for $2) and spices I had in the cabinet, so they cost maybe 10 cents for a batch large enough for the whole family.

The veggie burgers cost probably a dollar or less to make about 12 of them. It's the recipe I've talked about before -- equal parts cooked steel-cut oats and equal parts black beans cooked until they're basically like refried beans, then mixed with desired seasonings, formed into patties, and baked or pan-fried. The buns are a bit sad-looking, but they were 66 cents for a bag of eight of them at Stop and Shop, so I can't complain. I opened them up and tossed them in the oven for about five minutes to toast them, which always helps cheap white bread. I sauteed some onions and mushrooms, also from Fair Foods, to put on the burgers for those who wanted them.

We also had some corn, also from the Fair Foods haul. A friend of mine recently taught me the method of putting them in the oven still in the husks and baking them for 20-30 minutes. It's much easier than my usual method of indoor-corn-cooking, in which I basically try to grill it except in frying pan or in the oven. I do like corn better if it's slightly grilled, but this was just fine and it was so easy to just stick it in the oven and leave it there until it was done.

And you know how I said the cat is an asshole? These pictures were taken with me sitting a foot away from the cat, trying to shove the cat off the table. See how effective it was? See how afraid and remorseful the cat looks? See how much the cat cares about anything other than corn right now? Yeah. Be on the lookout soon for posts about how to sell cats on eBay. 

Wednesday, August 3, 2016

Stuff I've learned from eBay

1) A disproportionate number of you people are named Colleen and Nicole. I've sold about 50 things, and there have been four Colleens and six Nicoles. Why?

2) Sometimes there are people on eBay who do shit like, let's say they live in Brunei, they have an extensive purchase history on the U.S. eBay site, they win an auction, then they apparently had no idea that shipping a huge item to Brunei is extremely expensive and figured it could just magically be shipped for a few dollars instead of several hundred. Hypothetically speaking of course. 

3) eBay people are often able to write in normal human-type English when they message you with questions and shipping info and so forth, but then when they go to leave feedback, become possessed and can only write things like A++++ GREAT WOW SELLER YES YES PERFECT A-OK THANX DOORKNOB ANKLE COLD

4) Rather than stuffing each package into the mail chute at the post office, you can just bust up to the front of the line and ask for one of them bins the people with businesses put their mail in. SCUSE ME SCUSE ME I GOT OFFICIAL POSTAL BUSINESS YO. 

5) It's totally random what does and doesn't sell. Some of my stuff that's way underpriced is hanging out for weeks getting no bids, and some stuff is going for more than it would cost to just order it from the place it was purchased. I suspect people are addicted the auction/winning aspect and it feels better to have gotten a $5 item for a dollar plus $6 shipping than to order it from Target with free shipping. And I'm going to continue taking advantage of this dynamic, because I need money, and at least the stuff is going to someone who can use it instead of in the trash. 

Monday, August 1, 2016

Four bottles of wine for negative three bucks

There's an offer on Swagbucks right now where if you click through and buy four bottles of wine for $32 (four $13 bottles, $20 discount applied, free shipping applied), you get 3200 Swagbucks. You can redeem 2200 Swagbucks for $25 in Amazon gift cards and 1000 Swagbucks for $10 in Amazon gift cards, which means you pay $32 for four bottles of not-cheap wine and $35 in Amazon gift cards.

The wine site is a subscription service that wants you to buy wine every month, but the fine print says there is no obligation or penalty for cancelling right after you place the first order or skipping your purchase every month.

Go to the front page of Swagbucks and the offer will be right there. Or if you don't see it, look under the "Discover" tab. The offer looks like this:


And of course, if you don't have Swagbucks yet, sign up using my link, and I'll get some Swagbucks from your free wine adventures too.

Saturday, July 30, 2016

#brokenerdproblems

...when a series of emergencies leaves you needing to order a pizza for these people you haven't fed yet and the places you're finding don't provide the diameters of the sizes so you can calculate whether two smalls or one large is more pizza

Friday, July 29, 2016

Selling stuff on eBay with minimal overhead

So, my experimentation with selling stuff on eBay is going remarkably well. I've had an eBay account since 1998, which I previously used mostly for buying things and periodically for selling things I was done with that were worth quite a bit of money, like sporting or music equipment. I maybe listed one item a month, if even that.

Today's pile of stuff ready to ship
A couple months ago I decided to start actually selling. As I mentioned before, I first listed a bunch of free items I had snagged from Amazon. That went well, so I started by listing a bunch of stuff I had lying around that I normally would have donated or given to friends -- kids' and adults' clothes, books, household gadgets, baby stuff sitting in a box in a closet, extra hardware and office supplies I'd bought too much of for projects, and so forth. It's going remarkably well, and I'm making quite a lot of cash off of stuff I would normally have been happy to give away. I'm now looking into buying at garage sales and thrift stores and doing some flipping.

From perusing forums about selling on eBay, I'm seeing that most people are reluctant to get started because the necessary supplies are expensive, shipping is confusing, and the fees are unclear. So I'm putting together a basic tutorial on how to do sell things easily and cheaply.

How eBay fees work:

When you list something on eBay, the first 50 listings per calendar month are free. Relisting an item that doesn't sell counts as a listing each time. Before you hit "list" on an item, it will tell you what the fees will be. Certain features on the listings, like large, bold titles and so forth cost money. Don't use these; there's no need. Once you get over 50 items, it charges you 30 cents per listing. This is refunded if the item sells.

Once an item sells, eBay charges you 10% of the final price AND 10% of the shipping price. It doesn't take this out of the money the customer sends you; it adds it to your monthly bill. What I typically do is: Every time I sell something, the money for the item plus shipping goes into my PayPal account. I buy the shipping through eBay, which deducts it from my PayPal account. Before I withdraw the money, I look at my eBay fee tally (this is in "account settings," located at the top left of the site) and see the two fee charges for the auction. I then withdraw the total profit less the fees, and leave enough for the fees in my PayPal account so I know I have it when the bill comes due. I really wish they'd just deduct it, but they don't, so this seems to work best.

Here's an auction I just shipped off today:

Item: $5.00
Shipping: $2.83

Customer sent me $7.83 via PayPal
I get $7.30 in my PayPal account, because PayPal takes a fee.
I spent $2.60 on shipping via eBay (there's a discount for shipping through them)

So far, the profit is $4.70. Then I go look in my Account Summary tab, where the fees are listed. I see that eBay charged me 28 cents for the shipping and 50 cents for the item. So I subtract that, and withdraw $3.92 to my bank account. I've pocketed a total of $3.92 for this item. I leave the 78 cents in my PayPal account so it's there at the end of the month for the fees.

How to ship eBay items:

If you have any cash at all to put up front, I recommend getting a scale. I have this one, which was $20. It weighs up to 55 pounds in 10ths of an ounce. For a bit more, you can get one that attaches to your computer via USB to use with the eBay shipping portal, but this seems to me like it's just more stuff to break and malfunction, and it takes me like two seconds to read the number on the scale and type it in.

If you can't afford the scale yet, you can still ship without it, which I did at first. If it's a heavyish item, like a box of books, you can weigh it by holding it while standing on your bathroom scale and subtracting your own weight. Round up to the next pound. For items that are lighter, you can estimate it by comparing it to a can of soup or other item of known weight, or you can look up the item on Amazon (or wherever it's sold) and see what they give as the shipping weight. Estimate high, and charge the buyer for the shipping.

When you list your items, it's usually best to use calculated shipping, unless it's a fairly heavy but small item that you can stick in a Priority Mail flat-rate box. Choose the cheapest shipping, because people will be more likely to buy your item.

For under 16 ounces (single items of clothing, etc.), use first-class mail. Otherwise, use Parcel Select or Priority Mail, whichever is cheapest. Enter the weight and size of the item in the eBay listing and it will tell you what the services cost, and you can choose which ones to offer. If you're selling something like a textbook that you think someone might want right away, you can also offer overnight shipping and whatnot.

The fastest and cheapest way to ship is through the eBay website. You get a discount over what the post office charges, and it immediately sends the tracking number to the customer. You will need a printer, which you can find on craigslist for free. For your first few items, print the label on plain paper and tape it to your package. Make sure not to tape over bar codes. After you've sold a few things, buy some cheap labels. I got 200 of these labels for $7.47.

You'll also need something to ship your items in. If you don't already have Amazon Prime, subscribe to it! There's a deal through Swagbucks right now. It's totally worth the yearly fee, because you can get just about anything shipped to your house for free. And stuff that gets shipped to you comes with packaging materials. Save all the boxes, bubble envelopes, bubble wrap, and so forth, and store them where you store your eBay stash. Now you have free packaging material. If you need something large or specialized, there are tons of people on craigslist giving away boxes, tubes, and packing peanuts. For clothing, shoes, or other items that are bulky but don't need the protection of a box, buy a package of poly mailers. I got 100 of these for $12.16. I bought huge ones so I can sell big lots of things, but you can also fold them over for smaller things (as seen in top photo), and they barely cost more than the small ones. I'll go back to worrying about the environment once I can pay my bills.

Questions? Post a comment and I'll do my best to answer. 

Tuesday, July 26, 2016

This eBay thing is working out well, but it's also making me hate people

So, I've listed a ton of stuff on eBay. Most of it is clothes, books, gadgets that we had lying around the house. Stuff is doing quite well, and I'm happy with the number of bids I'm getting on things.

However, I'm coming across a trend that's annoying me as someone who tries to live as frugally as I can. Certain brands of stuff, regardless of condition, and regardless of whether they're unique or interesting or hard to find, go for a ton of money. Yeah, OK, this isn't a new concept to me. I've taken economics classes and I've lived in this world for more than a minute. But seeing it in action is aggravating me.

I listed this sweater, used, not even in very good condition, that was in some hand-me-downs someone gave one of the kids. I recognized that it's an expensive brand, and it was something we weren't crazy about and probably would have put back into the donate/give away pile. The sweater is a plain cotton one with no branding or stitching or anything on the outside to signify the brand. I thought it was Old Navy until I saw the label. It makes even less sense than Polo and Nike and that whole branding scene where you know at a glance that it's a "good" brand. But this sweater has a ton of watchers and is racking up the bids. It's not even in good condition and is pilled and stretched out.

In the meantime, the "normal" kids' clothing I've posted at very reasonable prices is mostly going slowly. Seriously, people are bidding more for this damn sweater than the starting bid for a set of four pairs of jeans, four hoodies, and a bunch of shirts, which is just sitting there at the moment. And this might not be designer stuff, but it's nice stuff -- GAP, H&M, Aeropostale and so forth. I just can't imagine, even when I've had quite a bit of expendable income, spending money on one boring sweater when you could literally get a whole wardrobe for the same amount of money. Or at least a unique/interesting sweater. It's just a totally different world where people care about that stuff, I guess. I remember reading a young adult fiction book -- maybe a series? -- where the teens would go around school putting their sweaters and jackets on their chairs with the designer labels exposed instead of wearing them. Do people really care about this sort of thing with kids' clothes? Like, the labels might be seen once in a while when the kid leaves the sweater lying in the middle of the damn living room, so it has to be correct label? Who are these people?!

Friday, July 22, 2016

Wassup with instant pots?

Yes, I'm familiar with what they are, and they seem to make a lot of sense for cooking beans, grains, and similar cheap-and-nutritious things for people who aren't at home a lot.

But I'm really concerned about the side effects of these things. It seems they have some unusual property that causes their owners to mention them any time someone discusses food. It doesn't seem to matter whether one is discussing food that would be in any way improved in an instant pot. Instant pots are infesting people's brains, y'all.

Actual conversations I've witnessed recently:

"I had two egg and cheeses from Dunkin Donuts this morning"
"You need an instant pot!"

"Should we order Thai or Indian tonight?"
"You should get an instant pot!"

"I just got a whole bunch of clothes on mega sale"
"Amazon has instant pots for $60"

My god, they've started wearing them. Or cooking their clothes, idk. I quit.

Tuesday, July 12, 2016

Speaking of the Purina MyPerks thing...

Yesterday I was lamenting that the Purina MyPerks program changed their terms last year, which made it no longer worth it in my opinion. For those who aren't familiar, it was previously set up so that it took 30,000 points to get a coupon for one free giant bag of cat food. This was taking me 6-8 weeks via using the code on the free bag (it doesn't say this is prohibited!) plus the other bag or two I'd buy. It was sometimes quicker if I got codes from friends as well. But then, since people were apparently duplicating the coupons, they discontinued the program and changed it so that it requires 60,000 points and they ship the actual bag of food to you. I decided it was no longer worth it for me, and I'd just get cat food on sale or from Amazon.

Now that I'm really really scraping by, I decided to check back with this program, as I'll do pretty much anything I can do at home to save or earn money at this point, even if it doesn't seem "worth my time." I've got a decent amount of time, and no money, so yeah.

I logged into my account, and what do you know, I have 20,000 points. Apparently the account has accumulated 300 points per month for following Purina on Twitter, Facebook, and Instagram, plus 100 points each time someone joins using my link.

So, yeah, I'm going to give this thing another try. If you want to sign up, please use my link, and free free to leave comments with any questions you have about how it works.

Monday, July 11, 2016

Where is the cheapest place to buy cat food and cat litter?

So, we seem to have another cat. I'm not really sure why. It decided it wanted to live with us, and who am I to say no?

The cat is pretty cool. Apparently the things have no short-term memory, so they do things like flinging themselves up on the windowsill in horror and amazement every time a car drives by. Or repeatedly trying to jump up on things that are too high or trying to run under something that's too low. And of course being absolutely stunned. Every time.

It's possible we got a dumb cat.

Either way though, bitches gotta eat, and that goes for feline ones too.

So, food for this thing. The cat will eat wet food and dry food. The vet says that it's best to give both, since the less-processed food is better for organ and digestive health, and the kibble is good for their teeth.

Here are the best deals on canned food I've found so far:

This 24-pack of 5.5-ounce cans at Amazon is $9.49 with free prime next-day delivery. That comes out to about 7 cents per ounce.

Edit: Make sure you are shopping at Amazon through Swagbucks, so you can get points for every dollar you spend.

Dollar Tree has 13-ounce cans of Friskies for $1.00, which is also about 7 cents an ounce.

Dollar Tree is also probably the best source for pet toys, bowls, brushes, cat pee cleaner, and so forth. They seem to be decent quality. I would probably avoid the toys though if you have a dog or cat who chews toys to the point that pieces come off and they could swallow them; the pet stores make expensive chew-proof ones for pets who do this.

Now, for dry food:

Dollar Tree has 14-ounce bags of dry food for a dollar. I haven't bought any, and I'm a bit hesitant because it's an off brand. I wouldn't normally care about this for human food, which is highly regulated, but pet food doesn't seem to be, and I've heard horror stories. If anyone has more information about this food producer, I might consider it. (Some Dollar Tree products are actually reputable brands repackaged.)

So, moving on to a little more pricey. If your cat isn't picky, it's possible to get cheap food by buying whatever brand is on sale and has a coupon. Purina often has coupons available on the coupon sites. They often run one that's a dollar off any size bag, and they make a small bag that's $3 or so. The coupons will print two times per computer, and you can follow the various coupon matchup sites to see who has it on sale, and then you can often get the bags for a dollar or two.

Purina has an online pyramid scheme, which was previously getting me a free huge bag every 6-8 weeks, but apparently people were reproducing the coupons, so they're physically mailing the bag of cat food and it requires a lot more points to earn. Still might be worth it for free stuff.

If you're really in a bind, Reddit has a "Random Acts of Pet Food" forum where you can explain your need and people will help you out. Like any of the "Random Acts" pages, it's not meant to be sustainable and is intended to just use once when you run into an actual emergency. Please don't take advantage of these pages, as they're such a great thing for the people who participate and I would hate to see them so overrun by scammers that people stop donating.

EDIT: I should include cat litter too, huh? This is the cheapest clumping litter I've found. It's $13.28 for 40 pounds with free prime shipping. Dollar Tree usually has bags of clay litter for, well, a dollar, but my cat* seems to only use the sand-type litter and will use the couch if said litter is not provided in at least one litter box, because apparently this cat doesn't support using coupons and finding sales.

*The other cat**, not this new one

**I may need to call them The Asshole Cat and The Dumb Cat or something to differentiate

Friday, July 8, 2016

Discover card gave me free money

I have a Discover It* card, which I applied for last summer since it had a 0% APR for a year offer, and I needed to float some debt. I then paid it off before the interest went up to 27% or some sort of highway robbery amount. I hadn't paid attention to the features other than the balance transfer offer, but then they started sending me e-mails that for the next three months, I would earn cash back on purchases at various types of stores. So, I used the card to purchase my gas and paid it off, then used it at Amazon and paid it off, and so forth. I had the card listed as one of my Amazon payment options, and just about every time I went on Amazon, it would show up that I had $5 or $10 cashback bonus available to use at Amazon. I thought this was pretty cool. Oh, and if you'll recall from my past posts, I pretty much never spend actual money at Amazon, because I have all these gift cards from running things on my computer. So I was earning free money from using free money. Even better.

Today I got an e-mail saying they'd matched my cashback bonus for the past year. The money was available to download (yes, I just used "download" for money) into my bank account, which I did. It was a few hundred dollars, on top of the other few hundred dollars, just for making purchases I would need to make anyway. Being a credit card company, they're of course banking (literally) on people running up their cards, making purchases they think will count but don't, and paying a lot more in interest than they get in cash back. But if you're a smart broke person, you can do what I did and read the fine print about what counts, only buy things you were going to buy anyway, and then pay it off. Free money is the best money.

*Doesn't that sound dirty? Like, discover THIS.

Thursday, July 7, 2016

Where is the cheapest place to buy beds?

This seems to be a question people frequently message me about, as well as one that gets posted on the broke people forums. To start, I'll spare you the info that it's worth it to buy an expensive bed for better sleep and better spine health. Of course it is. But if you had the money to buy an expensive bed, would you be reading this?

First off, for the absolute cheapest, there are always a ton of free or really cheap beds on Craigslist. Creep their pictures and choose one that's photographed in what appears to be a clean, functional home. Pick it up on a sunny day and spray the mattress with Lysol and leave it in the sun until it dries. Don't use bleach, as this can ruin the fabric.

If you have allergies or just can't deal with a used bed, here are the cheapest new ones I've found. The absolute cheapest is this futon at Walmart (I know, I know...) for $79. It's also available for $98 with a frame, though it's the type where if you're using it as a bed, it's obvious that it's a folded-down couch. You'd probably be better off getting a free platform bed and using this futon on it. The bed pictured above is a similar cheap Walmart futon on a frame I built out of about $20 worth of lumber. It was three 2x6s (cut to length at Home Depot) laid left/middle/right down the length of the bed, then 1x3s (ditto) laid across and screwed down. I spraypainted the whole thing darker brown so it was less obviously homemade. I slept on it for years before I managed to buy an adult bed, then passed it down to a kid -- the height is perfect to use safely with a toddler without dealing with the enormous waste of money that toddler beds are.

For those who don't want a futon, IKEA has this $199 sofa bed that's a firmer mattress than a futon and doesn't look as much like a pullout couch when flat. It's ridiculously ugly as a couch though; I'd suggest the Walmart futon or this $89 IKEA futon if you want to primarily use it in couch mode. IKEA also has by far the cheapest mattresses you'll find anywhere. They start at $149 for a full-size foam mattress. You can try them out at the store; the cheapest one is pretty thin, but was surprisingly decent when on a bed with springy slats. The Morgedal is really nice, and on sale right now. We have one of those. We ended up buying the mattress first and sleeping on it on the floor for about a year, then eventually finding a frame we liked on mega clearance. If you absolutely need the whole thing now, the cheapest IKEA mattress plus the cheapest frame ends up being $239 for a full, which is really pretty ridiculously amazing. I actually thought when I tried out the beds that the pillowtops made the biggest difference. Not surprisingly, they cost almost as much as the damn mattress -- from $89 to $279 for full-size. It might make sense to get the cheapest mattress, then the frame, then the pillowtop as you can afford them.


If you're not into foam mattresses, there are some low-end spring mattresses, and you can put them on the floor without any foundation. This queen at Sleepy's is $199 for the mattress and $299 with a standard boxspring. There are also discount mattress places around the city. I haven't heard great things about them, but if you want cheap, maybe worth checking out. I know there's one on Columbus Ave near Jackson Square.

If you're looking for twin beds for kids, Massachusetts Coalition for the Homeless provides beds for any child in Massachusetts who doesn't have one. I'm can't recall what their criteria are, but I believe it's fairly broad (maybe having Masshealth?) rather than requiring that families are completely destitute.

Tuesday, June 28, 2016

Whatever, post office

Apparently the USPS online postage thing now only sells Priority Mail and Priority Mail Express. The cheap options are all gone.

It still offers everything, including media mail, though Amazon or eBay seller accounts at least. But now I have to go to a post office to ship things to friends and family the cheap way? *sigh*

Monday, June 20, 2016

Not usually a superstitious type...

But it's like the universe knows I'm broke. I took a survey a few months ago, an academic survey that didn't pay except for entry into a lottery, which I took it because the research topic was one I wanted to support. I just got an e-mail that I won the (substantial) gift card. Nice.

Tuesday, June 14, 2016

Oh hey, the surveys on Swagbucks actually work now

I just took a bunch of surveys on Swagbucks and they all paid out and I got a $3 Amazon gift card for about 20 minutes of my time. The last time I tried surveys, probably a couple months ago, they were all collecting several screens' worth of data and then saying I didn't qualify or they'd reached the maximum number of participants (and presumably using my data anyway!) But that doesn't seem to be the case. Only one kicked me out, and it did it on the first screen and gave me 1SB for my effort.

Monday, June 6, 2016

Second of the meals with the pre-cooked stuff: veggie burgers

Today I formed some of the bread dough into ciabatta-type rolls for veggie burgers. This was completely an experiment, and it turned out pretty well. I used balls of dough that were about the size of golf balls, and flattened them quite a bit into disks. They barely expanded in diameter, but puffed up quite a bit, so these definitely did need flattening. Some of them stuck to the baking sheet and the bottoms got kind of crispy and the insides hollowish, so definitely make sure you flatten them in your hands with plenty of flour rather than letting them get pressed onto the baking sheet. All eight of them were usable though, which was what I was going for. I also baked a loaf of bread with some of the dough, partly because bread, and also so I could slice it and use it as veggie burger bread if the rolls didn't work out.

While that was baking, I made veggie burgers with some of the black beans and slow cooker oats. I didn't add any vegetables or anything to them this time, just basic seasoning. I pan-fried them since the oven was in use. They seem to turn out about equally well in the oven or in the pan; the only difference is that you have to give them more attention if pan-frying, so I prefer to toss them on a baking sheet and let it sit in the oven if possible. These also turned out really well; they turn out a bit differently every time, since the ingredients are ones where the texture can vary quite a bit even if cooked the same way each time. I've never had them turn out bad or not work though; they always will hold together just fine with some flour added or by freezing the patties if necessary.

Here's the assembled product. I ended up with eight of these, which probably cost me a dollar or two. (About a cup of cooked black beans, about a cup of cooked steel-cut oats, probably a cup of flour, pinches of various other pantry ingredients, plus lettuce from Fair Foods and cheese and condiments that I got with coupons.) Buying the veggie patties and rolls at the store would run a dollar for not-very-good dollar store rolls, or $2-$3 for this type of roll, and probably $4-$5 for two boxes of frozen patties. If you have the time and resources to cook from scratch, it's seriously cheap, not to mention healthy and better.

Sunday, June 5, 2016

Sunday-night-cooking-stuff extravaganza

I'm trying to get back into the habit of spending Sundays cooking some time-consuming dishes, or at least the time-consuming components of quick dishes. This cuts down on the whole problem of realizing it's time to feed these people, seeing that, as one of the kids puts it, "we don't have any food, only ingredients," and making macaroni and cheese from a box or pasta with jarred sauce for the millionth time. Not that there's anything wrong with those meals, of course, but I like to mix it up a bit with some healthier and more interesting fare. And we don't need to talk about the times I've been even less responsible and ordered pizza with a credit card when I've realized there isn't any food I can make quickly. So, yeah, I spent today making some big ol' vats of things, which can be quickly turned into various meals. I made the first of my quick meals tonight as well (pictured above).

Today I made:
  1. a huge vat of white rice
  2. a big vat of Spanish rice
  3. a medium vat of chili
  4. a slow cooker full of steel-cut oats
  5. a full batch of bread dough
  6. a vat of black beans
  7. three pounds of oven-baked tofu 
For dinner tonight, I used a small amount of the rice to make sushi. Sushi is actually ridiculously easy, and a great way to turn random veggies into an entree. You mix a cup or so of rice (white, short grain works best) with seasoned rice vinegar (available at Asian grocery stores for much less than at mainstream grocery stores, and lasts years in the fridge), slap it on some seaweed, put veggies on it, and roll it up. I had a cucumber from Fair Foods, and I made this using a quarter of it. (WTHDIDWTV: cucumber edition.)

Next, I used some of the baked tofu to make two types of Thai curry. I found coconut milk at Dollar Tree in Allston last week and stocked up on it; coconut milk is rarely on sale, rarely included in coupons, and can be two dollars or more per can.

The "recipe" for red curry is simple: sauteed onions, pre-made red curry paste (a little pricey, but store it in the freezer and it lasts forever, and it's cheaper than buying lemongrass and all that to make from scratch), lemon juice, brown sugar, soy sauce, basil, coconut milk. You can also add fish sauce or vegetarian worcestershire sauce if you like. Then add whatever you like -- I used baked tofu and cubed butternut squash. Oh, and the basil I used wasn't Thai basil, but it was basil I grew on my windowsill from an herb kit I got at Dollar Tree last year.

Jungle curry is essentially the same thing, but no coconut milk. Therefore, use less red curry paste, unless you like it ridiculously hot. I prefer red curry, but we have a household member who can't do coconut, so I made both. The jungle curry I made with zucchini and green beans from Fair Foods, and some of the baked tofu. Both dishes took 10-15 minutes to make since I'd already made the rice and tofu. We have plenty of leftovers for later in the week, and still have a ton of rice and tofu. (WTHDIDWTV: zucchini, butternut squash, green beans edition!)

Later in the week I'm going to use some of the oatmeal and some of the black beans to make homemade veggie burgers. The rest of the oatmeal will be for breakfasts of course, and the rest of the black beans will be eaten with the Spanish rice and some Trader Joe's guacamole that was left here recently during an evening of cards and three-buck chuck.

The bread dough is going to go toward some sandwich bread, veggie burger buns, and probably some pizza. The full batch is enough for all that, which is pretty amazing.

I made everything listed using things I had at home already. Everything was pantry ingredients, plus a few produce items I had. I'd say that all the food I made cost me under $10 total, because I got most of it with coupons/from Fair Foods/stocking up at Dollar Tree, but it could be purchased for under $20 if you just went to a store. That's pretty amazing for a week's worth of food. I may spend a few more dollars here and there to add some cheese, some salad greens, maybe fresh fruit for the oatmeal.

At the same time though, I'm always hesitant to post these sorts of food roundup posts, because I fear that they encourage the sorts of people who say that no one should have food stamps and no one needs to be buying processed lunchbox foods, because everyone should just cook a bunch of vegan quasi-ethnic food from scratch. Those people need to stuff it though, for a number of reasons.

So, even though our family is quite a ways below poverty level, we have a lot of privilege at the moment. We have the time, energy, and mental stability to be able to do things like spend all day Sunday cooking. We have stable housing and clean, working cooking facilities. We have basic cooking skills and utensils. We have a reliable fridge and freezer to store the stuff. We have me who is able and willing to tow this wacky family around to different ethnic grocery stores and to the Fair Foods truck, and who is frequently home when these things are open. We have the appearance of class privilege (due to speaking like educated people, work experience, not being young parents, to start with) so that if our kids pack weird lunchbox food or have friends over for homemade snacks, people assume we're health nuts or hippie artists instead of too poor to buy the usual snacks.

So leave people alone who feel the need to buy their kids individual bags of Doritos, OK? But if it works for you, I recommend trying this pre-cooking in large batches thing.