The Ultimate Cheap Guy -- Your Frugal Tips?

Discussion in 'Fred's House of Pancakes' started by Starship16, Sep 23, 2018.

  1. Starship16

    Starship16 Senior Member

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    Bank of America Rewards Card.
    Rewards Rate: 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas... up to $2,500 in combined grocery/wholesale club/gas purchases each quarter. Plus, they give you a $200 one-time bonus after you charge $500 in the first 90 days.

    Capital One Rewards Card. 1.5% cash back on everything, everywhere. No limit.

    I usually put every purchase on these cards. Even my utility bills. Plumbing work. Everything. Then pay it off at the end of the month, and get a little cash back. Maybe enough to buy dinner. :ROFLMAO:

    Cheapskates unite! :) Got any frugal tips? One of the best financial tips my parents gave me when I first started working, was to take 10% out of each paycheck and put it in savings. Man, that worked out well over 40 years! Same with some raises, pretend you never got it and put that amount in savings. Have it automatically transferred each month from checking, to savings. Or a CD.
     
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  2. fuzzy1

    fuzzy1 Senior Member

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    Fidelity Visa card. 2% cash back on every purchase, if you put it into a Fidelity Cash Management Account.
     
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  3. Starship16

    Starship16 Senior Member

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    My Auto Club membership renewal, annual car insurance, my annual vehicle registration fee, IRS taxes due... all that goes on a Rewards card. I even tried putting the county property taxes on a card. :LOL: It all adds up. I think the most Rewards I ever got back, was $250? But I'll take it. That's a couple of large Pizzas! :ROFLMAO:
     
  4. bisco

    bisco cookie crumbler

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    irs takes credit?
     
    #4 bisco, Sep 23, 2018
    Last edited: Sep 23, 2018
  5. Mendel Leisk

    Mendel Leisk Sand Pounder

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    Save-On Foods (local grocery chain) will give you a 10 pound bag of potatoes for free plus 2000 accumulated "points". Shopping for groceries there, the points accumulate faster than we can eat the potatoes, so basically we've always got free potatoes.

    Every so often they put whole pork loins on sale for some ridiculously low price-per-kg, they're about $15~18 CDN, depending on size. That's about 30~33" worth of pork chops.

    Somehow an apple tree started growing in our front yard. So now every fall, I just go out and shake the branches every so often, free apples every fall.

    Cheap breakfast: rolled-oats porridge. We get the double bag, oversized compared to Save-On, for dirt-cheap at Costco. Cook in some Granny Smith apples or from our yard, plus raisins. The bags last months.

    Stay outa restaurants, take-outs, brew your own coffee/tea, what can I say.
     
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  6. Starship16

    Starship16 Senior Member

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    You'd be surprised who accepts a credit card. :)
    I just got to make sure and pay it off each month. The interest rates are crazy! Even for a person with excellent credit.
     
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  7. Starship16

    Starship16 Senior Member

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    Yes sir. All good stuff. :)

    Us Prii owners don't buy much gas, unless we have a long work commute. But for a person with a gas-hog vehicle, 3% cash back is nothing to sneeze at.
     
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  8. Raytheeagle

    Raytheeagle Senior Member

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    Every receipt we generate, te wife takes a picture of an uploads it to a website that then every 3 months gives “rebates” back on common expenditures.

    Typically about $20-30 each time.

    Not bad for a simple activity (y).
     
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  9. Starship16

    Starship16 Senior Member

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    I also try and buy as little food as possible. And eat as simply as possible. An older person like me sure doesn't need "three squares" per day. Not anymore.

    My cable TV is the least expensive basic plan they have. $45 a month. I only watch 4 or 5 channels, so it would be silly to pay $250 per month! Electric bill is minimal... averages $48. (They raised the rates!) Gas for the clothes dryer and water heater is only $12. (I never use/need the old gas floor heater.) The city water & trash haul away bill is the most. I've cut way down on water usage, but it's still $65-$75 per month. Cell phone plan is $40 for unlimited everything. No land-line here anymore.

    I live alone, and so fortunately I can reduce living expenses. And I bought a Prius! Less pollution & save on gas. :D
     
  10. Usle

    Usle Member

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    Pump your tires up to 42-40, save gas.
    Double up your house and car payments, save interest, save money.
     
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  11. Mendel Leisk

    Mendel Leisk Sand Pounder

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    If the channels you're watching are local, consider a DIY (or store bought) antenna. I put a DIY double-Hoverman on an upstairs wall that just happens to be perpendicular (almost perfectly) to our local transmission mountain, pull in about 1/2 dozen channels. And I believe one channel is coming from out in the valley, roughly 180 degrees away, more good fortune. Good for the news, occasional CBC show or hockey game. As long as the signal is descent strength, it is fantastic, high resolution digital, actually sharper than cable.

    Of course my [email protected]#%& internet provider bill has been inexorably climbing, over $90 monthly now. My son keeps goading me, saying phone them up, threaten to switch, they'll give you a cut-rate promo deal. Repeat when that runs out. I never get around to it, don't have the moxie.
     
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  12. jerrymildred

    jerrymildred Senior Member

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    We're over 40 miles from all the TV towers, so we had to spring for an amplified antenna that I mounted on top of 25 feet of heavy pipe. We get NBC, CBS, ABC, PBS, the CW, and a few others. Most of them have secondary channels. Then we have Amazon Prime for the shipping and free videos.

    Internet only for about $55/month. No cable and no land line.

    Wife is an Olympic caliber coupon user.
     
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  13. Salamander_King

    Salamander_King Senior Member

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    Never buy Just released new model of expensive electronics like Apple's flagship smartphone. No matter how good they are, in two years they are obsolete. I always shop for refurbished older model or if buying new, only older models just when new model comes out. They are just as functional for my needs and saves hundreds. I also use discount MVNO SIM only. Cost is anywhere from totally FREE to $10 every 3 month.
     
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  14. Starship16

    Starship16 Senior Member

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    I wonder how many people, realistically, could actually double up on house or car payments? The elite 2%? But that's a great plan if one can swing it.

    Thankfully, most retired folk don't have to be too concerned with gas mileage? For me, personally, my 56 mpg is plentry enough. And I keep the tire psi within specs. My Michelins got really loud 42.
     
  15. jerrymildred

    jerrymildred Senior Member

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    I'm with you on the computers. I always get them from the Apple refurbished store. But the phones last a lot longer than a couple years. People like to upgrade that often because the cell providers have trained them to do that. However, an iPhone 5s will run iOS 12, which just came out and lots of people do that. Even Tim Cook says that replacement cycles are lengthening as the phones get more expensive and more capable. Apple CEO Tim Cook 'The Smartphone Market is Very Healthy' - Mac Rumors My wife is still very happy with her 6s.

    +1 on house payments, too. We can't double up, but we're paying an extra $200/month or more. That'll save us several thousand dollars over the course of our 15 year loan. Oh. And 15 year mortgages will save a ton of money compared to 30 year ones and the payment is no where near double.
     
  16. Starship16

    Starship16 Senior Member

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    Good suggestion.
    I'm too far from the transmission towers. And 5 of the 6 channels I watch are on cable. (I'm up to six, now. :LOL:)
     
  17. Starship16

    Starship16 Senior Member

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    I hate to admit it, but I do all my communicating on this darn cell phone. It's all text and email. I rarely actally speak to someone, unless it's a business call. And I take a ton of nice photos with it. I finally traded in the old iPhone 5, and splurged for the 8-plus. It's the LAST cell phone I will ever need. I think it was worth it. I can even file my tax return using this phone! :ROFLMAO: (Short form.) But I NEVER use the phone while driving.

    I learned a lot from my parents. Strictly "cash only" with them. Very humble, low-paid, low-income folks. You either scrimped & saved, or you didn't eat.
     
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  18. jerrymildred

    jerrymildred Senior Member

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    I love my 8 Plus. I sold my 2-year old 6s and got the 8+ before a trip to Africa in January specifically for the cameras. I'm really glad I did it. In fact, the camera is the only reason I upgrade. Eventually, they get so much better, I can't help it. :D
     
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  19. Salamander_King

    Salamander_King Senior Member

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    Problem I have with iPhone and many newer power hungry smartphones and for that matter many of tablets and ultrathin laptops are that they can function fine after two years, but in most cases battery do not. I have old Nexus 5x fully capable of running Android 8 and newest apps, but it is over 3 years old (bought it refab). Despite changing the internal battery once, it is now constant need of charge. Fully charged phone will not last a full day on stand-by with minimal background apps running. Compared to that, my main everyday go to phone is 5 years old Lumia 534 running soon to be extinct Windows Phone 8 OS. It gets no new apps or new update, but most of my essential apps are still functional. The best thing is tiny 1800mAh battery last over three days on stand by with my email and phone apps along with weather and news apps running on background. And even if the battery runs out, it is user replaceable on a go. No tools required, just pop oven the cover and insert new battery. I always have a few fully charged battery as spare. I have this phone with H2O pay as you go SIM at $10 recharge every 3 month. And IIRC, I paid less than $100 for this phone 5 years ago.LOL
     
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  20. Starship16

    Starship16 Senior Member

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    I gave away all my 35mm equipment, and only use the iPhone now. It's all I need for my amateur photo taking around the area. So simple. And then I can immediately email pictures to people. I read all the news on the iPhone, do banking, pay bills, watch videos.... I don't think there's anything you can't do on this thing. :)

    "Give a man a fish, and you feed him for a day. Teach a man to fish and you feed him for a lifetime."

    photo 5.JPG photo 5.JPG IMG_0361.jpg
     
    #20 Starship16, Sep 23, 2018
    Last edited: Sep 23, 2018
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