Wednesday, November 30, 2016

Free wine is back on Swagbucks

The Winc offer is back, and it's free/beyond free this time. Pay $32 for four bottles of wine with free shipping, then get 3200 Swagbucks ($36.37 in Amazon gift cards if you redeem in batches of 2200 Swagbucks). It's an easy way to have some snazzy wine on hand for when you inevitably get invited to holiday things and have nothing to take. I found it under Featured Ways to Earn.


And obviously, if you don't have Swagbucks yet, use my referral thingy, then refer all your friends, because we all know us broke folks love pyramid schemes. Thanks to the people who have signed up under mine recently. One of you needs to start actually using the account though so we can both get some gift cards!

Monday, November 28, 2016

15% off nearly everything at Target today (online and in-store), plus another 1% off

Here's the official press release from Target. It even includes game consoles and Apple products, which is highly unusual. There are a few exclusions listed here (mostly just the usual ones, like alcohol and gift cards).

I totally just fished this out of the laundry someone didn't put away
Speaking of Target, we are loving the Cat and Jack line of kids' clothes. It's cute stuff, most of it's seriously cheap ($6 leggings, $12 jeans, $6 t-shirts, $10 hoodies), a lot of it's gender-neutral, and they have t-shirts with positive messages and science themes rather than the usual tough-guy/cute-and-or-sexualized-girl messages. They have infant, toddler, youth sizes, and the youth sizes go up to XXL in most items, which fits the average-sized adults in this household. Not to say that we've gone in the kids' department just because they have $6 t-shirts and $10 hoodies or anything like that. That would be silly, right?

There's also a deal on InstaGC right now, not sure for how long, where you can get 1% back on online purchases from Target. Target also has the Cartwheel couponing app, which you can now use online. Between that, today's sale, and the InstaGC thing, you should be able to get some serious deals on things. Like clothing. That you definitely didn't buy in the kids' department.

Here's the Target fine print
I just realized I didn't do a tutorial on InstaGC, but if you know how to use Swagbucks, it's quite simpler. It has the same TrialPay and OfferToro and all that that Swagbucks has. It also rewards you in Amazon gift cards, and allows you to redeem for $1 Amazon cards, which means you don't have to wait until you get to $5 or $25 or whatever like some of the other ones. Like the others, you can earn referral points. Sign up under my thing if you don't have an account yet, and then refer your friends.

Sunday, November 27, 2016

Free Museum of Fine Arts admission every day

This doesn't seem to be well publicized, but the MFA is free for the last hour they are open every day. They also have $3 tickets for EBT card holders, if you want to stay longer. If you don't have an EBT card though, the last hour thing is such a good deal for people who are close by and can just come back another time to see more. Admission is ordinarily $25 for a ticket, which, wow.

Monday, November 21, 2016

Gourmet vegan cooking class and meal for $10

This looks pretty great. Cooking class and a whole meal for $10 per person ($5 if you're a member of The Trustees) at that new facility in Haymarket. Usually these things are ridiculously expensive, like, more than going out to dinner at a nice place. I unfortunately wouldn't be able to make it on Wednesday morning, but check it out if you're available and want some low-cost family fun.

Saturday, November 19, 2016

Don't spend money on paper for printing coupons

As I'm sure everyone knows by now, I use coupons and stacked coupon deals to feed my family within my means. One of the things that's annoying about this though is that the manufacturer's coupons have to be printed out and handed to the cashier physically. I've heard that stores in other regions have systems of putting them on your store card like you can with store coupons, but this isn't here yet. So, for now, I'm using a lot of paper, which costs money and is wasteful.

Similarly, I am a professional stuff-getter-ridder-of-er. We have a large family in a small space, and I don't like having things sitting around that we might some day maybe use, when there are people who can use them right now, or ways they can be recycled.

The other day, I suddenly had a realization of how I could kill both birds with one stone. Speaking of which, I had a program director at a former job who would say "house two birds with one nest" so as to be nonviolent. I like this, except no one knows what it means. I probably should just do away with the birds altogether* and say I'm solving both problems.

Anyway, I need to print coupons, but paper is expensive and wasteful. And I have a folder of paper I don't want to recycle since it's blank on one side, but couldn't find a use for since it's too thin to use for art, and the stuff printed on it is mostly just too weird to use as eBay packing material or to print handouts on or anything like that.

Coupons though. They just need to be printed on paper in a way that's basically legible, and it doesn't reflect on me in any way that matters if they're printed on something strange. So, yeah, I totally just printed off 28 pages of coupons on the back of an outdated sexual harassment manual from a company I used to do some work for. Which was where I know Nest Guy from, actually.

Oh, and as far as ink for all this printing, I'm using some knockoff cartridges I got on Amazon for a few dollars for 10 of each color or something like that. The color sometimes seems slightly off from legit cartridges, and once in a while you get a dud, but I'm OK with that for paying $4.99 or something for something that would normally cost like $600. If you can't risk fake ink because you're an artist or need high-quality prints for your business or whatnot, get a free printer from OfferUp or Craigslist and use it for coupons. People are constantly giving away perfectly good printers, usually either because the ink costs more than a new printer, or because they don't know how to make an older printer work with their wireless network. Snag these though, because you can buy knockoff ink and there are ways to get pretty much any printer working wirelessly.






*Not literally. That would be violent.

Thursday, November 17, 2016

I can't take you people, er, robots, anywhere!

I noticed the other day that I had a huge surge in page views, but I didn't dig further.

Then I got a comment in my moderation queue that suddenly made everything clear, and I dug deep into my stats, and sure enough...

Apparently a spambot search engine has decided that the word "stripping" in one of my home improvement posts means that the page is visited by people who would be interested in their unholy spam link, rather than people who are looking for ways to make thrift store furniture look snazzy.

You know what though? A page view is a page view, right? The number of hits a page gets is in part what decides how much my ads pay me when people click on them. So, yeah, I'm fine with some perverted robot driving up my stats, though I do prefer views and comments from my lovely human readers. Stripper porn whores XXX viagra cialis.


Wednesday, November 16, 2016

Hollar deal on Swagbucks: $15 worth of stuff for 80 cents

I just did the Hollar offer on Swagbucks. If you make a $15 purchase, it gives you 1250 Swagbucks, which is worth $14.20 if you redeem in batches of 2200SB for $5. This means you end up paying $0.80 once you get the Swagbucks, but you do have to front the $15 on your debit card.

I hadn't heard of Hollar before. It's a lot like Five Below, except online. They have pajamas, t-shirts, headphones, room stuff, drinkware, etc., and most of it is $2-$5. Some of it is more. Some seems to be closeout/overstock and some seems to just be cheap stuff. So, yeah, you're probably better off going to a thrift store if you want clothing and other items that will last, but this place was a lot of fun for doing some holiday shopping for the kids. I got this stuff for $1.12, y'all. Um, if you know my kids, don't say anything, k?


Tuesday, November 15, 2016

If you have Masshealth managed care, you can get a bunch of free stuff

I just learned that the various Masshealth managed care plans (Tufts Health Together, BMC HealthNet, Neighborhood Health Plan) have reimbursements and freebies just like private insurance does.

Tufts Health Together offers $50 per year per member reimbursement for gym memberships, dance and exercise classes, or sports leagues. They offer $30 reimbursement for contacts or glasses purchased out of pocket. They also have reimbursement for childbirth classes and breastpumps. They send one free bike helmet per year per child or adult member via mail and vouchers for $25 off a booster seat or $50 off a convertible seat (this is enough to purchase the cheapest models on the market). They also will send you gift cards for doing proactive health tasks, like filling out an asthma action plan or going to diabetes visits. Check out their member handbook, pages 23-27.

Neighborhood Health Plan offers $50 per year per member reimbursement for gyms only, $15 off bike helmets for children and adults, childbirth classes, and breasts pump sent by mail.

Boston Medical Center HealthNet offers free car seats and booster seats by mail, a free box of disposable diapers for parents of newborns, $200 per year per family reimbursement for gyms only (it's unclear whether this is the limit per family or whether a single gym member would get this whole amount back), one free bike helmet per child member per size, and dental kits (which appear to be the stuff you get free at the dentist anyway).

The basics of these extras seem to be pretty much the same for the three plans, though they differ in terms of how much of a discount they give on particular items and whether you have to front the money for various costs. It seems like it would make the most sense to join BMC HealthNet if you have a baby or toddler, then switch to Tufts Health Together, which seems to cover the most stuff overall. Surprisingly, switching managed care plans once you're already enrolled in MassHealth is actually really easy.

Please, spread the word about these benefits! We've never been told about any of this in many years of having MassHealth and using community clinics. I actually don't think most of the providers know what's available to their patients, though they're happy to write down that we ignore their recommendations to join gyms and use expensive over-the-counter products. So, let people know they can get things through their MassHealth plan, and let them know about all the drugstore items MassHealth covers.

By the way, I've had mixed luck using the OTC program. When providers ask us to start using a vitamin supplement or ear drops or something, I ask them to write a prescription for it so MassHealth will cover it. So far none of them have been aware of this program. About half have seemed happy to hear it's a thing and have written the prescriptions. Others just insist "you don't need a prescription for that" and even "there's no such thing as a prescription for Benadryl."

Monday, November 14, 2016

Aaaand...the shaming people for shopping on Black Friday is in full force

So, I'm used to seeing the hashtags and images telling people to buy nothing on Black Friday, presumably to fight capitalist culture or something. Fortunately, in my circle of friends, there are usually people who beat me to pointing out that this is a really privileged viewpoint. I mean, come on, some of us can only afford things when they're on sale, and those of us in this boat are already doing less consuming than average throughout the whole year. But it apparently makes people who have a lot of economic privilege feel better to boast that they're making their purchases on a day other than Black Friday.

Today I saw on the REI website that they're closed on Black Friday. I find this admirable, that they're allowing their employees to have a longer weekend with their families, and avoiding having their store filled with people fighting over merchandise. That seems like a good choice for an individual business to make, if they feel it aligns with their values. But the hashtags, and encouraging customers to pledge not to shop that day? That seems a bit privileged and obnoxious.

I imagine much of REI's customer base is people who buy high-end products for hobbies rather than basic needs, and clearly their marketing folks know this. But there are also people (like me!) who shop there for winter wear and bike stuff, because they have some amazing deals for members. I'm not really fazed that the store is closed on Black Friday. I probably wouldn't be headed there anyway, since we don't need anything for our bikes or for winter right now. But I'm not too crazy about their "movement" to not shop at all on Black Friday. I too am quite turned off by spending the entire day buying tons of stuff because you can, but if I find a sale for something we need, yes, I'm going to duck out of eating leftovers and watching movies and go get something I wouldn't be able to afford otherwise.

The overall message is good, but I wonder why they couldn't have made it a more general plea to have a simpler holiday season and to gift experiences, secondhand items, and sturdy necessities instead of buying every damn thing. Because encouraging people with lots of expendable income to buy the stuff on a different day (and pay more for it!) doesn't actually change anything with regards to all this "stuff" affecting the environment and our mental health, and it needlessly shames people who already consume less for shopping when things are affordable. Right now it just seems like asking people to show off that they have the privilege to buy anything they want, rather than asking people to change their overall consumption.




Sunday, November 13, 2016

Two free months of women's clothing rental for negative $10.67

This deal is on Swagbucks today. 350SB (about $3.97 if you redeem your SB in batches of 2200SB for $25) for joining Gwynnie Bee for a free trial month. Then another 4900 ($55.70) if you pay for another month once your month is over. The cheapest plan costs $49 per month. If you buy things on Amazon anyway (or another store that Swagbucks has giftcards to), you can essentially pay $49 from your debit card and put $59.67 onto your Amazon account, plus rent clothing for free for two months if that appeals to you.

I only did the first month for 350SB, because Gwynnie Bee is not something anyone here would use, and it's a lot of money to front. I actually had heard of this business but didn't know anything about it until I clicked through to get some Swagbucks. I assumed it was one of those things for people who want to show off luxury items, like that one where you can rent $5000 handbags and look like you own several, but poking around on the site made me think that it's actually something that could be really useful for people to meet some fairly basic needs. They rent women's clothing sizes 10-32 clothing via mail order, it's every type of clothing, not mainly fancy designer stuff, and the price is surprisingly reasonable. I was excited to find that not only can I post about it as a fun freebie, but also a potential resource for struggling folks.

The service seems like it would be really useful for lots of different folks who are scraping by. Women whose weight is rapidly changing due to illness or recovery from illness would probably be better off spending $49 a month renting clothing than repeatedly buying new wardrobes even from a thrift store -- especially when the first two months can be acquired for free through this deal. Women of some builds can get away with wearing larger sizes instead of specific maternity clothes during pregnancy, so they could potentially use this too.

Gwynnie Bee also has a selection of cocktail and semi-formal wear, so this could be really great for women who have a wedding, graduation, work event, etc. coming up and can't afford something appropriate to wear. This sort of thing is really one of the hardships of being working poor and being in a part of the country where there really isn't widespread extreme poverty. So many people's jobs and other obligations expect them to socialize, especially around this time of year, and aren't very understanding that there are people who honestly can't afford these things, even though we don't have holes in our shoes and aren't living in sheds without plumbing. I did the free wine deal a few months ago in anticipation of "forced socialization season," and it's going to come in handy in the next few months if I have to take anything anywhere or thank anyone for anything. (For the record, I'm not anti-holiday or anything at all. I'm just reflecting the realities that the expectations around this season can be financially stressful, especially for those who are employed at places where most folks are better off than us.)

My household is actually very fortunate to have suitable clothing for pretty much anything semi-fancy we want to attend. Some of the families we get kids' hand-me-downs from are of religious/cultural backgrounds in which people typically wear conservative/traditional clothing rather than jeans and sweatshirts. One of the adults here has a job that entails wearing rather formal clothing (and thus scoping out yard sales and clearances and whatnot all year). We have time and energy to browse eBay and pick through thrift store racks. We have stable housing that allows us to buy things "just in case" when we find them used or on sale, and not have to pack up everything and move every few months. Most of us are average-sized, and the person who has a physical disability that affects stature and requires the use of mobility equipment is able to wear off-the-rack clothing just in a different size range than you'd expect, so we can all easily borrow things from someone if needed, or find them used.

Think about how many people are of size, need clothing adapted for disabilities, or don't have places to store things like party attire, and just aren't going to have this stuff. People can roll their eyes and say that no one "deserves" to have luxury items, but is it really a luxury to not have your boss and coworkers think you're antisocial because you always turn down free tickets to things and you don't ever socialize with them? Or have people think you're rude or even harmful for showing up to a graduation or baby blessing wearing *that*? So, yeah, clothes -- and not just the bare minimum to make you not be naked -- are a need just like food and housing are

Oh, and if you don't have Swagbucks yet, during this month there's a promotion where you get $5 in Swagbucks once you do your first few earning tasks and your referral source also gets $5. Then you can refer more people and you get $5 from theirs, just like a good little pyramid scheme. Please use my link if you haven't joined yet. Thanks!

Saturday, November 12, 2016

State of the scraper address

Wow, OK, so half of the country voted for a filter-lacking narcissist whose campaign centered on blatantly racist, sexist, homophobic, transphobic, xenophobic, and ableist insults and threats. So, I've known all my life that these views were this widespread, but this guy and his "plans" are nonetheless much scarier and more threatening than, say the Bushes, who at least seemed to have some basic professionalism and sense of human decency even though the impact of their policies was just as marginalizing.

A lot of us are terrified, not just around the end of our day-to-day relative safety from harassers and attackers, but also because we depend on government-funded programs for healthcare, disability services, children's services, or employment.

So, what can we do now?
  • Here is a list of some concrete things we can do, like stockpiling emergency contraception to distribute if it becomes unavailable next year, along with advice for trying to preserve rights for green card holders and our transgender brothers and sisters.
  • For internationally adopted folks (thinking especially of the many people in the community who have brought relatives here from Haiti through adoption rather than sponsorship), if you don't have a Certificate of Citizenship and only have your entry papers, go here and follow the steps to get one.
  • If you're transgender, make sure your gender and name are current on all your documents. Go here to learn about Boston-area organizations who are helping people do this for free, and similarly to volunteer if you have legal training or experience navigating these systems.
  • Write to your legislators, even if they're progressive, even if you're in Massachusetts where they've been telling us most of the federal changes won't affect us, and tell them why it's important that they support your family in maintaining insurance, disability services, housing assistance, and anything else you receive that's partially federally funded or might be affected by a federal mandate.
  • Go here to learn how to respond if you witness Islamophobic harassment (or any other type).
  • Be sensitive and sensible. It's fine to participate in movements/rallies/safetypinwearing that focus on positivity and understanding. But be aware that others, especially some marginalized folks, feel betrayed by these actions and feel that no one should be attempting to "build bridges" with the oppressors. Others take issue with people voicing their opinions in progressive spaces but being afraid to speak out against those who support bigotry. Still others don't appreciate privileged folks finally speaking out for the first time this week, because it highlights that these folks have been refusing to listen to the voices of the oppressed for years. Ask people how they're doing. Ask what would help. Don't take this as an opportunity to brag about how enlightened you are or how your manner of coping is the best one.
EDIT: You know how I mostly post about how our spartan lifestyle involves a lot of unprocessed food, walking and biking, and simple hobby items acquired at thrift stores? Yeah, it's not doing it for me right now. Someone point me to tips for how to get good deals on strong drinks, crappy TV, violent video games, tubs of cookie dough, and so forth. Thanks.

Tuesday, November 8, 2016

Be sure to vote! Also, Imzy will give you a free shirt if you do

I don't think I even have to point out that one of the viable candidates has a fairly decent record on helping struggling families, and the other one has outwardly stated over and over again that he has no concern for poorer folks, people of color, people with disabilities, or immigrants. If you live in Massachusetts, you could vote for a third-party candidate and advance third-party visibility without doing any damage. If you live in a swing state, please just vote Democrat and don't risk our country electing a fascist just to make a point (even though it's one that I consider quite valid).

Also, once you've voted, go here and post proof and Imzy will send you a free t-shirt. Promos like this are pretty much how I get my pajamas and gardening clothes and whatnot.

If you don't have Imzy yet, check it out. It's still small, and doesn't have a whole lot going on, but it seems like it has big potential. If you haven't heard about it, it's a couple of Reddit founders who left Reddit and started up a similar site, except that while Reddit prides itself on free speech to the extreme, Imzy prides itself on respectful and helpful speech. I certainly value aspects of Reddit, like the frugal sub, and the subs dedicated to Swagbucks, Perk, and so forth. There are definitely a lot of smart people on there, as well as incredibly creative and funny folks, and there are a lot of good people who help complete strangers (whether it's with advice, money, logistics, connections, or whathaveyou). I can do without, however, the culture on most of the subs in which racism, sexism, ableism, and generally abusive speech is totally fine. I'm hoping that Imzy will get bigger and become the type of resource that Reddit is.

Fortune magazine also has a list of freebies and discounts for people who vote. A lot of them seem to be regional chains that aren't around here, but check it out.

Monday, November 7, 2016

Something deceived me, but I'm not sure what

This check showed up in the mail, for a generous $23.30. It took me the longest time to figure out what it was. I couldn't recall joining a class action suit with anything called News America Marketing Digital, but then, the same is so generic that it could have been anything. I did finally figure out that it's a reimbursement from Checkout 51, not a class action settlement. Checkout 51 still sends paper checks like it's 1964 or something. Hey, I guess it cuts down on people actually requesting them, since a lot of people probably don't bother, so if it keeps the program up and running, I'm happy to deal with the paper check nonsense. 

I didn't use Checkout 51 much until recently, since they use to only have small amounts off of obscure products. It's worth checking out (get it?) now, since they have a lot of major brands and their rebates overlap with the other apps and the Stop and Shop coupons, making for some nice stacked deals. I did get one rejection the other day though for using a paper coupon on top of the Checkout 51 deal, so beware. I've also had others that went through fine, including some where the brand name of the paper coupon did print on the receipt, so it's worth a try. The only downside is that the coupons are first-come, first-served, and are based on when you submit the receipt, not when you activate the deal. So you can go to the store and buy the product, and then it runs out of coupons before you can submit, which is annoying. Still, it's free money for things you would probably buy anyway, right?

Friday, November 4, 2016

Just scored two HomeChef meals for $2.75

Swagbucks has a deal right now that rewards 1500 Swagbucks instantly when you sign up for HomeChef and place your first order. Signing up costs $19.80. 1500 Swagbucks ends up being $17.05 in gift cards if you wait to redeem until you have 2200 and redeem it for $25, which is how you should always redeem to get the most value.

Just don't forget to cancel the subscription after your stuff shows up. I've been putting the date to cancel by on the Apple calendar for the ones that offer a 30-day trial membership (you don't want to cancel right away, or they can take your Swagbucks back), and for the mail-order ones, I just cancel as soon as my stuff shows up.

And of course, click the Swagbucks label to find out more about how it works, and use my referral code so we can both earn.

Thursday, November 3, 2016

Dinner for basically free

A couple days ago we harvested the last batch of veggies from our garden before everything gets frozen and ruined. The only thing left out there are herbs, which we leave since they tend to come back in the spring. We were fortunate to have enough tomatoes and peppers that I didn't have to add anything from the store or from cans. I would have preferred more than one onion for a pot of chili, but not enough to go out and buy one.

I basically threw everything in a pot, added WIC beans and some frozen corn kernels a local organization gave us a while back, and let it do its thing. I added some Adobo and a pinch of sugar when it got close to being done. (It's about 20 minutes from being done in this picture.) With all these vegetables, it was substantial enough to serve as an entire meal. Sometimes I also make bread or cornbread, or serve with chips and guacamole, but this time I just served it plain, and it was a big hit as usual.


Wednesday, November 2, 2016

Get paid to sign up for Hulu

Swagbucks has a deal right now that earns 1000 Swagbucks (worth $11.36 if you save up and redeem 2200 Swagbucks for $25) for signing up for a Hulu subscription, which start at $5.99 a month. Like all of the monthly subscription offers, don't cancel until at least 8 days later. Put it on your calendar to cancel a few days before they will bill you again.

And, obviously, if you don't have an account yet, sign up under mine so we can both earn. Thanks!

Yaarlo and Receipt Hog pay you for scanning receipts

I've started using these two apps, Yaarlo and Receipt Hog.

They work the same way; with both of them, you snap a picture of a receipt, and that's all. You then get a few cents per receipt. Yaarlo is a bit harder to redeem, and I believe it requires a gift card purchase to redeem, but you get a large percentage off of the price based on how many points you have. Yaarlo also gives you points for buying gift cards or shopping online through the site. Receipt Hog is straight redemption of your points, just like Swagbucks, Bing, Perk, etc. They allow you to scan online packing slips to an extent too; just read the FAQs as they differ in terms of what types of stores are included and so forth.

They're both pretty good so far. On Receipt Hog I'm almost up to a $5 Amazon Gift Card after a month of using it, and we all know I don't spend much money at retailers. Yaarlo is a little more frustrating, because more than 50% of the time I submit a receipt, it comes back saying it earned 0 points and/or classified as the wrong type of retailer. I have to go on their site every time and submit a help ticket (this is fortunately really easy -- just click the conversation bubble to the right of the receipt and type in a quick phrase and they'll fix it). So I have no idea how many actual points I have on Yaarlo or if I will keep using it once I do my first redemption

EDIT: If you join Yaarlo, use my code LOCOMOTI955, and we both get extra points. Thanks!

Friday, October 28, 2016

How did I not know about this Papa Gino's all you can eat thing?

I just found out about this a few days ago when a friend posted on social media about taking their family there.

It's $4.99 for all-you-can-eat pizza and pasta, then you can add salad, breadsticks, or meatballs for a dollar. Amazing. It's Monday through Wednesday 4-8pm. Definitely going to check this out.

Thursday, October 27, 2016

Free fruit at Stop and Shop

I was happy to see this when I walked into Stop and Shop a couple days ago. This is the Jackson Square Stop and Shop. I haven't yet noticed if others do it as well, but I'll be looking out for it.

Wednesday, October 26, 2016

The free wine and the free $25 are back up on Swagbucks

The wine offer is back, and it looks like it's not quite free this time, as you get 2000 Swagbucks for the first order and 2000 for the second order a month later. Still, you get around $45 in Swagbucks (if you buy $25 gift cards for 2200 bucks) for buying eight bottles of wine for $64, so it ends up being $19 for eight bottles. That's cheaper than Three-Buck Chuck, and it comes in pretty bottles that are appropriate for giving people or opening with friends over.

The Fingerhut deal looks exactly the same as the one I did, which doesn't require you to buy anything to get the 2500 Swagbucks.

$98.64 for almost $300 worth of stuff

Here's my haul from Stop and Shop yesterday. Everything was done with online printable coupons and phone apps.

Leave me a comment or e-mail me if you can't figure out one of the deals, but I used the Stop and Shop coupons that load to the card, Coupons.com, a few other coupons I found via googling, Checkout 51, iBotta, and SavingStar. For the past few months, the Stop and Shop coupons have largely been duplicates of the ones on Coupons.com, which means you can stack them. The apps often duplicate them as well. FYI, the Fiber One and Nature Valley bar deals aren't worth it. It looks good on paper, since there are paper coupons and deals on Stop and Shop and all the apps, but the total discount is $2 for two boxes of Nature Valley and $2.50 for two boxes of Fiber One. The shelf prices are $3.69-$3.79. Not a good deal unless these are things you buy regardless. Dollar Tree has packs of various granola bars and cereal bars and they only cost, well, you know.

Quorn vegetarian chicken patties have been free for the past month or so. They're on sale for $2.50, iBotta has $1.25 off, and Checkout 51 has $1.50 off. You can only buy one per week with these apps, unfortunately, but hey, free stuff.

Old El Paso enchilada sauce is also free. Shelf price is $1.20, Coupons.com has a 30-cent coupon that gets doubled, Stop and Shop card has 30 cents off, and SavingStar has 30 cents off. iBotta has $1 off two Old El Paso products as well, so you could also toss in a seasoning packet or beans or something and get those for free. The iBotta deal says that purchase price of items must be at least one dollar, and I didn't know if they meant per item or total, so I didn't bother. All Old El Paso products are a percentage off this week (I think 30%?), so the seasoning packets are under a dollar. The rest of their products are closer to $2 or $3, so they don't work so well in these coupon deals and it's usually cheaper to just get store brand or Goya.

Speaking of, the SavingStar Goya products deal is back. You get $5 back if you spend $25 on Goya products. The $25 is based on shelf price, so feel free to use Goya coupons, which are readily available online. Last time this deal came up, I just made sure to buy Goya brand of staples (rice, beans, spices, oil, etc.) and got to the $25 quickly just buying things I would already be buying.

There's also a Purex SavingStar deal that's $5 off of $25. Purex large jugs and small jugs are both on sale at Stop and Shop this week. There are substantial coupons for Purex readily available online by googling. Remember, the $25 is based on shelf price, not what you paid. The shelf price for 150 oz is $9.99 (on sale for $8.99 this week) and the shelf price for 43.5 oz is $4.99 (on sale for $1.99 this week). Two of each gets you to $25 on SavingStar. I used $2 off coupons on each large jug and $1 off on the small ones. So after SavingStar, I'll end up paying about $11 for 387 ounces. It ends up being cheaper than even any store brand detergent I've found.

Stop and Shop has a great deal that ends on Friday where if you buy $20 worth of certain frozen items, you save $10. SuperPretzel and Outshine have coupons available right now, which it let me use in addition to the store deal. SuperPretzel is also on SavingStar this week. Outshine has been on various coupon deals before, particularly at Target. For a while, they only made huge bars that came six to a pack. They were good, but they were kind of ridiculous. I was pleasantly surprised to find that they now make small cylindrical pops that come 12 to a box.

Tic-Tacs are nearly free. There's a BOGO coupon on Coupons.com, then iBotta has 50 cents off of some flavors and 75 cents off others. Shelf price is $1.49. Make sure you get two different flavors, like I failed to do, so you can redeem two different iBotta rebates.

Larabar (excuse me, Lärabar) multipacks of five bars are $4.99. There are $1 off deals on Coupons.com, Stop and Shop, Checkout51, and SavingStar. Which means the packs cost less than one bar. Make sure you get the 5-pack, not the 16-pack, which is $22 or something.

Glade has amazing stackable deals as always. Wax melts and small jar candles are $3.14 each through November 3. Stop and Shop has $2 off 3 items and iBotta has 75 cents of wax melts and 75 cents off two jar candles. The items end up being $1.97 each, which is cheaper than IKEA or store brand candles pretty much anywhere, except for Dollar Tree, but theirs are tiny and they usually only have this awful fake vanilla scent. Thanks, Glade, for making my kids' rooms not smell like armpits and the bathroom not smell like cat whiz.

Tuesday, October 25, 2016

AdSense "insufficient content" rejections when the content is just fine

AdSense finally approved me! For anyone who's getting the "insufficient content" rejection on a real blog with real content, the issue is probably that you need a "contact us" page and a privacy policy. I added some barebones pages, including a privacy policy that I found through a quick google search, and this time they approved me. Don't bother asking on the AdSense forums why you're getting this rejection; the "experts" will tell you that it's because your content is plagiarized, your English isn't great, or the content isn't real content that anyone would want to read. When I tried this, I then replied to them that I've done plenty of professional writing and this isn't the case, and they were just rude and told me to learn to write better. Um, thanks? No one told me it was the privacy policy and contact page. I managed to find this out from another blogger. Try adding these pages, and you'll likely get approved.

While we're on the subject, please consider turning off adblockers. I used to use one all the time. But I then realized that more than half of the pages I visit are independent writers and people who are starting home businesses. I want to support these people. When we block the ads on their pages, they don't get paid for the ad impression, and there's no change we will ever surf on through to the advertiser's page, because we can't see the ad. Right now I'm only using the adblocker on a few major corporate pages (Facebook, I'm talking to you), but not using it as a default, because I don't want to take away income from small pages owned by individuals. I don't have a lot of money to donate to people, and I generally can't afford to shop local small businesses like I'd like to, but I can support them for free by not blocking their ads. Please consider doing this as well. Please and thank you!

Monday, October 24, 2016

Harvard has even more museums than I knew about, and you can visit for free. Be careful if you like your flesh intact though.

My family and I have recently discovered the Harvard museums. We had been to Natural History and one of the art museums, each as part of a free one-time event, but I had no idea about the museums that don't charge admission at all, or that they have free days that are more than the hour or so once a month that most of the museums offer. I also didn't know that the others existed outside of Natural History and two art museums.

So, here's my roundup of the museums:

Harvard Museum of Natural History

It mainly features taxidermied animals. It also has dinosaur and other prehistoric skeletons and models, a huge whale skeleton, blown glass models of marine life, and an interactive ecology forest geared toward toddlers and preschoolers. It's $12 for adults, $8 for kids, free under 3. So, like half as much as most of the museums in the area. Admission to this museum gets you into the Peabody Museum as well. They have two free days for Massachusetts residents, Sunday 9am-12pm and Wednesday 3pm-5pm. It's also free for K-12 teachers and active duty military families. Passes are also available at public libraries, which admit up to 4 people for $6.

They also offer classes on various topics for children and families (some are drop-off, others are not), which are all either free or reasonably priced. A child in my household attended a free class on spiders last year, which was fabulous, and was taught by female scientists, which I thought was great. 

Can we talk about this pin though? It's got teeth. Not only did it stay on my clothes without sliding around whatsoever, but it also bore down and refused to move at all. I had to pry the jaws open, several times since the first few times it snapped back shut, threatening to take my finger with it, and delicately slide my shirt out of it one tooth at a time so it didn't rip any flesh fabric. I give the museum an extremely positive rating. It's great for kids and adults alike. This pin though. 

Peabody Museum of Archaeology and Ethnology

This one has weapons from various cultures and eras, amazing ancient pottery from various regions of the world, an exhibit on ocarinas, several exhibits on Native American (north, central, and south Americas) history and culture, and a Dio de Los Muertos altar. It's pretty captivating for all ages.

Same admission rates and same free days at Natural History. They're adjoining, and getting into one via any rate gets you into both. Unsure whether this museum involves vicious maneating pins.

Collection of Historical Scientific Instruments

Just what it says. It's always free. Doesn't require any pins, demonically possessed or otherwise.

Semitic Museum

Has a model of a mud house from Ancient Israel, Ancient Egyptian funerary arts (but not actual mummies -- the MFA has some if you need to get a fix), pottery from various locations and eras in the Middle East. Nice explanations of how these cultures (and Ancient Roman and Greek cultures to an extent) intersected in ancient times. Probably not quite as interesting for preschool kids unless they're specifically interested in the topic, though the house might interest them. Always free, doesn't involve any attempts to slash flesh or rip clothing (which, while we're on the subject of ancient Israelites, tearing clothing is part of an ancient Hebrew mourning tradition called Kriah. The more you know.™)

Harvard Art Museums: Fogg, Busch-Reisinger, Sackler

Admission covers all three museums. $15 for adults, free under 18. Free for Massachusetts residents Saturdays from 10am-12pm. The museums all feature a lot of modern art, and collections that change frequently. Check the website for specific information, or just go visit. I don't recall whether these museums involve being maimed by angry bloodthirsty pins.

Warren Anatomical Museum (in the Longwood area)

Free. Has instruments, photos, human remains. Really cool. Has photos of people flaying open bodies, but no pins that do so.

Membership to the museums

$85 for a family, can be less if you have a Harvard ID (I believe you can use any type, including folks who work at Children's Hospital and so forth). I could have sworn that it gives admission to the art museums and the history/cultural museums, but now it's looking like they're two memberships? Might be worth a call.

Sunday, October 23, 2016

Got free lunch and a bunch of other free stuff yesterday

I really should have posted about this before the fact, so people could hit it up, but it's been crazy around here and it slipped my mind, so, sorry about that. However, the Boston Vegetarian Festival happens every year, so sign up for their social media or e-mails and be reminded next year.

For those who haven't been, the major downside is that it's packed. A few years ago they started running it for two days instead of one, which cuts down on the crowds, but it's still pretty crazy. It also unfortunately attracts a lot of young self-absorbed types who block aisles, don't say excuse me when they shove through your space, and swing their bags (generally covered in homemade patches about various radical views they'll hold deeply for a couple years until they get married and have a kid and move to the suburbs) into people.

If you can get past this though, it's a great event, and you get a ton of free stuff. Our family got a free huge lunch by walking around and taking samples. Some of the vendors give out little toothpicks of things, but others give out nearly a whole portion of what they have. Many of the vendors sampling South Asian and African food gave us sizeable amounts of curries and other dishes. So Delicious had full-size coconut milk ice cream bars. We also got many packaged samples -- containers of hummus, packages of seitan jerky, trial size soaps and lotions. Oh, and coupons! Most of the vendors of large national brands (Lightlife, Follow Your Heart, Cedar's, So Delicious, Dr. Bronner's) had coupons for a dollar off a product. And speaking of Dr. Bronner's, their table was covered in the same hilarious bizarrely punctuated and capitalized propaganda that's all over the bottles of soap. I couldn't get a very good picture, because the place was packed, but I present for your amusement the photos that I did manage:

All-One! Exceptions Eternally? Absolute None!
We loved the number of women-owned and people-of-color-owned businesses we saw this year. This has been quite a welcome change from the first time we went several years ago. We met some great folks who own local businesses. Three of our favorite -- all three Black-owned, the first two woman-owned, the third woman-co-owned -- were Saffiyah Botanicals from Roslindale, Lyndigo Spice from Dorchester, and Global Village Cuisine, from Vermont but sold at Whole Foods.

Friday, October 21, 2016

Calories per dollar chart

This article and accompanying chart is an interesting way to think about eating cheaply. I think I would have guessed the highest was rice or peanut butter, or possibly ramen, not flour or white bread. I was also surprised that pasta and oats were so high up there on the list. Of course, some of these things require cooking, so there's labor and energy costs that aren't factored in; you can't really eat flour and would have to at the very least mix it with water and cook it to make it into noodles or flatbread. Still, the list is useful. I imagine I'll refer to it when I get anxious about finances, and remind myself that it is in fact possible to stay alive on a couple hundred dollars a year. Assuming we're in the urban U.S. or somewhere similar, we would surely get enough other foods even if all we were purchasing was rice or white bread. Think about all the places the average person eats for free -- samples at stores, work events where food is provided, free talks that have a snack table, and so forth. It wouldn't be optimal nutrition, but it would be enough to keep us from getting scurvy or whatever it is people who only eat one food get.

Of course, anyone who's looked at my blog before knows that there are better ways to get cheap (and tastier, and healthier) food than buying just full-price flour or rice. There's Fair Foods, couponing, food banks, and so forth. If you're in the Boston area, you could actually go to Fair Foods every week or every other week, then buy some combination of rice and flour, and have some pretty decent (if a little boring) eating, with produce served with rice or flatbreads. This would allow you to eat for a couple hundred dollars per person per year.

Thursday, October 20, 2016

WTHDIDWTV: OK, not really

When I brought this Fair Foods haul home, someone in my household immediately said, "apparently today they gave us stew." (That yellow item is a yellow tomato, not an orange.) So, yeah, this wasn't a hard one to figure out what to do with. I'm tagging it as WTHDIDWTV anyway though, because it's still something we figured out to make with produce that was available at Fair Foods, rather than something we decided to make and then acquired ingredients for.

We chopped everything up, added a bag of lentils from WIC, and put it in the slow cooker with some seasonings for most of the day. We got several meals out of the pot of stew, and actually had a kid who was aggravated to find that they'd been beaten to the leftovers. I wouldn't have expected that with something so seemingly boring, but it was surprisingly popular.

This was a particularly great Fair Foods bag, because we literally didn't have to add anything to the vegetables to make a desirable meal, except for the lentils that I chose to add to make it more filling. The bag included enough tomatoes that I didn't need to add any tomato products, and enough onions and potatoes to make a nice well-rounded stew. The bag also included a bunch of bananas and some crusty bread, which we ate with the stew. Not bad, getting several meals for $2, with bananas to spare.


Wednesday, October 19, 2016

An easy way to sell more stuff on eBay: Know your first-class shipping rates

Much of what I've been selling on eBay is single items of clothing, single or small lots of household items (many of which I'm flipping from Dollar Tree or Savers), books, and so forth. Most of these are 16 ounces or under, which means you can send them first class if you buy the postage through a commercial account, which eBay's postage portal is. (FYI, books, CDs, sheet music, and similar can be sent via media mail, but it isn't cheaper until you hit a pound, and I don't believe eBay discounts it.)

For whatever reason, eBay doesn't account for the steeply discounted postage rates they give you. Especially for first-class mail, the commercial account is substantially cheaper than the retail price. But when you enter the size and weight of your item, the price it shows (and charges the customer...) is the higher price you'd pay at the post office counter.

For the clothing item I just sold, which is 14 ounces, eBay listed the shipping at $6.45. The actual price I paid for shipping was $3.55. This is an item I listed a month ago, before I really thought about the shipping rates, so someone did eventually buy it and I got to pocket the difference.

This item did sell, and someone was willing to pay the rather high shipping rate. However it would have likely sold more quickly had I listed the shipping at $3.55. So what I did today was create more shipping policies. See the chart I made? The commercial rate is what eBay charges for first-class packages if you buy the postage through the eBay website, and the retail rate is what you'd pay at the post office, and also what eBay charges the buyer.

The only way I could figure out to reflect the shipping discounts other than manually entering it on every listing was to create shipping policies. I didn't want to make nine separate shipping polices (I might next time I get bored...), but I created two policies, one called "1-8 ounces, $2.60 flat" and one called "9-16 ounces, $3.65 flat." Now, the buyer is paying considerably less for shipping at most weights. (Nine ounces seems to be an anomaly. I'll work on more policies eventually.) For shipping prices like $2.60 vs. $2.62 or $3.65 vs. $3.78, I doubt most buyers notice or care. But at some weights, my items are now listed at $3.65 shipping instead of $6.45, or $2.60 instead of $3.40, which is surely going to make my items sell faster.

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!