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| ID: | 1006 |
| Title: | Wise Bread |
| URL: | http://www.wisebread.com/ |
| Category: | Home & Garden: Personal Finance |
| Description: | Wise Bread is a community of bloggers who can help you to live large on a small budget. Despite what you may have heard, you don't have to sacrifice your financial independence to enjoy life. |
| 10 Ways to Get Rid of Stuff Frugally - Thu, 17 May 2012 10:36:13 +0000 |
It's a symptom of our crazy consumer culture that how to get rid of stuff is such a common topic of discussion. Stuff just seems to accumulate in American homes like plaque in our arteries, and too much of it can really drag down the efficiency of your home. Since my family is moving across the country in less than two weeks, getting rid of stuff has gone from a"I really should do that" item to a top-of-list emergency. My goal is to not have to pay to have anything hauled away. Here are 10 ways I've been clearing out the excess. (See also:25 Things to Throw Out Today) 1. Sell It OnlineIf you have an item with enough value to make it worth your time, by all means list it for sale online. In our current move, I'll be listing our dining room table and couch on Craigslist. I use eBay for high-endchildren's clothing— in my experience, anything that sells for less than $20 is not worth the time it takes to do an eBay listing and mail it off. Of course, you have your own idea of what is worth your time, and it may differ from mine. For books, DVDs, and video games, it can be convenient to sell on Amazon or another site where you can enter the title or barcode info for quick product listing. 2. Hold a Rummage SaleMy experience with rummage sales over the years is that they have not been worth the time I took to plan and conduct them. For instance, if my husband and I made $130 during a five-hour rummage sale, and figure we spent at least five hours planning it, that works out to earnings of $13 per hour, split between two adults. Since either of us can make much more than that working, it seems like we'd be much better off giving the junk to charity. And yet, I find myself answering the siren song of rummage sale again this weekend. Oh well, at least some peoplemake money on their garage sales, so maybe I'll get lucky this time. 3. Sell It Through a StoreI have mostly done this with children's clothing, but in the slow economy, more and more shops are opening up where you can sell adult clothing, furniture, and other items at consignment. This is nice because once you drop the stuff off, you don't have to worry about how long it takes to sell— just check with the store later to find out if you made any money. You can also check with specialized shops such as used bookstores and video game stores, where you might get paid upfront. Today I received a crisp $10 bill from Gamestop in about five minutes. That sounds great until you hear that I had just handed over 15 old video games, some of them still in sealed packaging. My lesson on that one was that it doesn't pay to procrastinate when selling games and other media or electronics— the older they get, the lessyou'llget. 4. FreecycleYou don't get paid for stuff you unload through Freecycle, but you do earn the right to request items from other members. I really like using Freecycle both to pick up needed items and get rid of unwanted ones. It's my experience that someone will claim just about anything you offer on Freecycle. The downside is that— at least in my local group— it's not that uncommon for people to fail to pick up what they've claimed, leaving you wondering how long you should leave the item sitting on your porch. Find a local Freecycle group here. A newer sharing site is calledOhSoWe. 5. Give Items to FriendsOur household has been the beneficiary of friends' moving days in the past, so of course we will pay it forward by sharing some useful items with friends. Items I will give away include houseplants, half-used jars of spices and other food, and a vacuum cleaner. 6. Choose Charities That Pick UpIf you have a large number of boxes or bags or furniture to get rid of, call a local charity thrift store, and you may find they'll be happy to send a truck over. (That's why I woudln't pay to have stuff hauled away, unless it was truly too useless even for a thrift store.) Some charities regularly schedule neighborhood pickups— I periodically get calls from bothAmVetsandPurple Heartto arrange pickups, and I almost always have a couple bags of stuff to put out. Don't forget to get a receipt so you can deduct the estimated value of the items from your taxes. 7. Check With Your Kids' School, Your Church, or Other Local OrganizationsSometimes you have some nice, newer items that you can't use, and you don't feel like sending them to a junk shop. I'll be giving some gently used kids' games to a local children's organization, and some school supplies to the kids' school. 8. Curb ItMostcommunities charge extrato have the garbage crew haul off a piece of furniture or other large item, but don't worry— in my experience almost anything remotely useful or recyclable will walk off on its own if you put it on the curb or in the alley a few days before trash day. The item we most wanted to get rid of was an old pole to a basketball hoop we'd pulled out of our yard— it still had concrete around the base and was extremely heavy. It took a few weeks of waiting, but eventually a scrap metal collector rolled through our alley and managed to haul the thing away. 9. Lose ItOnce, when I was in Tokyo, I decided I no longer wanted a book I had brought along and tried to leave it in a public place for someone to pick up and enjoy. No such luck. People in Japan are so helpful that I was chased out of a hotel lobby, a cafe, and a taxicab with my book. It became a game for my friend and me, and we finally successfully ditched it in a cavernous arcade. Here in the United States, it's easy to ditch your possessions in public and hope that serendipity finds them a nice new owner. Of course, I don't mean you should litter or dump some junk on the side of the highway. For books, do this in cafes or on public transit. If you live in an area with a lot of homeless people, you can pretty much deposit used clothing or shoes on any street corner or alcove and count on them going to good use. 10. Barter ItI haven't tried this myself, but there are online networks where you can trade an unwanted item for something you want.Palcyclehasborrowing, selling, and trading. ShareThis |
| Got a Problem? Why You Should Figure It Out Yourself - Thu, 17 May 2012 10:24:18 +0000 |
An aunt of mine recently asked me what the Internet wasfor. Of course, she has email and knows how to use a computer, but she just couldn’t understand why I found having access to all that information so exciting. “Well, I can look upanything!” I told her— and I often do. Whether I’m searching for statistics for a story I’m writing or I’m just trying to remember what that great restaurant we went to a few years back was called, I can call the information up any time I want. My aunt, though, is from a different generation— one that I have a hard time even imagining. If you wanted to know something, you could find it in a book, you could ask around, or you just figure it out for yourself. While I won’t be giving up my Internet connection, like,ever,I’m wondering why I don’t take the time to figure things out myself more often, rather than running straight to Google. Come to think of it, there are some good reasons for taking the extra time. Here are a few. (See also: Can You Buy Your Way Out of the Rat Race?) Because You CanI think sometimes when we don’t know something, our egos automatically kick in. Either we don’t want to admit we don’t know it, or we want to skip over the part where we’re left feeling stupid and find the answer right away. At the same time, there really isn’t anything wrong with not knowing the answer to a question or not knowing how to complete a task. Learning those things is what life’s all about. Most people who want to understand a complex scientific theory or know the 100,000th digit of pi will probably have to visit Google, but there are many things we can solve all on our own— especially when we have to. Have you ever been stranded somewhere with few resources and been forced to find a solution to a problem? Getting that tent set up without the forgotten poles is something you could easily solve with a trip to the camping store, but doing it yourself will leave you feeling exultant— and you’ll have a great story to tell your friends. Try the same strategy when you aren’t quite as stuck. Because If Can’t, You Can LearnLet’s get back to ego again. It can make learning things very difficult. Actually, it can prevent us from even trying to learn things. You can’t fail if you don’t even start. Just to be clear, I’m not speaking as someone who’s mastered the art of self-education; when my ultra-complicated recipe fails or I can’t figure out how to put the doohikey that fell off my car back on again, my tendency is to throw it aside in a huff and never go back to it. I feel stupid, and I just don’t want to go there. Sometimes, though, I manage to peek past my own pride and look at what went wrong. Often, it’s something really simple, and if I’m patient enough, a solution will usually come to me. And boy do I feel smug when it does. Because You’re Always AvailableThere’s nothing wrong with asking friends and family for help and advice, but there’s something to be said for self-sufficiency. After all, help isn’t always available (or helpful), but chances are you’ll always be on the scene of your own personal problems and disasters. If you believe other people have the answers, why not put the same stock in yourself? Because You Can Afford Your Own LaborFiguring something out for yourself often involvesdoingsomething for yourself too. In many cases, this can be a great way to learn something new and save some money. Yes, your time has value, but if you aren’t busy, why not try your hand at fixing a household appliance orchanging your own motor oilrather than paying someone else to do it? Google might come in handy here, but even if you pull in a few references, there’ll still be plenty of confusing bits left for you to sort out on your own. If you learn to do a few things like this, the savings will really add up. We have access to so many resources these days, it’s possible to eliminate having to do much of anything at all (besides working topay someone else to do it!). So here’s a salute to the art of figuring things out ourselves. I think I’ll try to do it a little more often. After all, if it doesn’t work out, I can always Google it. ShareThis |
| Best Money Tips: Money-Saving Workout Routines - Thu, 17 May 2012 10:00:25 +0000 |
Welcome to Wise Bread'sBest Money TipsRoundup! Today we found some great articles on money saving workout routines, saving on your electric bill, and money tips for new grads. Top 5 ArticlesMoney Saving Workout Routines for a Fit Recession-ista— Instead of hiring a personal trainer to keep you motivated to stay fit, enlist the help of one of your friends. [One Smart Dollar] 14 Ways to Save on Your Electric Bill— To save money on your electric bill, put lamps in the corner of a room so they have more surfaces to reflect off of. [Budgets Are Sexy] Money Tips for New Grads— If you are a new grad, be sure to build a financial plan and find the career that is right for you. [Narrow Bridge] 5 Things You Should Do Before June— Before June rolls around, assess your living situation. [SavvySugar] Favorite Summer Fare for Less— Eat your favorite summer foods for less by stocking up early and growing your own herbs. [MintLife Blog] Other Essential Reading11 Free Travel Apps to Save Money— To save money on travel expenses, consider downloading the Happy Hour or Kayak app. [My Dollar Plan] Debit Card Fees to Watch Out For— Make sure you study your bank statements for hidden debit card fees. [The Frugal Toad] How to Avoid Investment Scams— Avoid investment scams by steering clear or promises of high gains with low risks. [Free From Broke] The Importance of Family Meetings— When holding a family meeting, make sure to have an agenda of what is to be discussed. [20 and Engaged] 5 Reasons to Send Your Kid Packing— By sending your kid traveling, you help them develop independence. [Parenting Squad] News& EventsWise Bread Tweetchat (#WBChat)— Don't miss our weekly #WBChat at 12pm PST! We will be giving away prizes! Be sure to check out ourNews& Events Calendarto see all the awesome upcoming events in the personal finance world! ShareThis |


