Category Archives: money

The Minimalist Challenge: Week 1

Minimalist Challenge Week 1Have you all heard of the minimalist challenge? Starting on day 1, you get rid of 1 thing, on day 2, 2 things, day 3, 3 things and so on. I learned about it from my fellow blogger, Anna Newell Jones from And Then We Saved. That girl is a financial rockstar.

I knew that the challenge would be extra hard for me since I got rid of a lot before I moved into the Airstream. But, the Airstream has been feeling a little cramped lately and I love a good purge.

This first week was easy, but it reminded me that I definitely need to clean out my medicine cabinet more often. I had medication stored in there that was 8 years old! How embarrassing!

Here’s what I got rid of (or plan to sell)

1. Old beach hat
2. 2 contact lens cases (Don’t need those anymore!)
3. Eye makeup tattoos and nail art wraps (A gift that was too weird for me) & a nail scrubbie
4. Library books (not actually getting rid of these, but I need to return them!)
5. Old medications (3), a small plastic bag and a linen bag
6. Old medications (6) and a glasses bag
7. Fake pair of glasses from Halloween, a cap to makeup I already used, a tank top I don’t wear, a flashlight case and rusty lids from canning jars (3)

Do you love a good purge like I do? Or does minimalism scare you (like it does my husband!)?

Talk to me in the comments!

love,
melanie

How to Make Beeswax Candles

beeswax candle DIYDid you know that beeswax candles are honey hole full of benefits? Ok, that pun was forced. But seriously, beeswax candles can help with allergies, have calming benefits and burn slower and cleaner than paraffin candles. I’ve even heard that beeswax candles give off negative ions that actually purify the air. I also love the scent of beeswax candles.

In elementary school we went to visit the town of Old Salem, a living history town that depict Moravian life in the 18th and 19th century. Well, one guy, dressed in his period-correct finery, was pouring candles. Even as an elementary schooler, I thought that was pretty cool and I bought one. My parents didn’t let me play with matches, so I ended up just smelling the unlit candle like a weirdo. But I’m still obsessed with the natural scent of beeswax candles.

Anyway, I know that beeswax candles are one of those things that I can make cheaper than I can buy. So I did just that. It took me a couple of tries to perfect the process, but here’s how to make beeswax candles.

Supplies

glue wicksGlue your wicks to the bottom of the jars. The glue helps the wick to stay in place during the pouring process. Let dry, then trim the wicks to slightly longer than the desired length. (I didn’t do that and regretted it later.) Pour your pellets and coconut oil into the pitcher. 1/2 pound of pellets makes about a 1 pint jar candle. Fill large pot of water 1/4 of the way full of water.

candle making pitcherPut the candle making pitcher in the water. It might float a bit. That’s ok. Stir until the wax is melted.

candle coolingAs the wax is melting either heat up your oven on low or prepare a bowl of warm water and put your jars in it to cool the candles. I did both and both methods worked. The addition of coconut oil and the intricate cooling process ensures that the candles don’t crack. The coconut oil also gives the candles a lovely baby yellow hue.

beeswax candles coolingWhen wax is fully melted pour carefully into jars to not disturb the wick.

candles covered in tinfoilIf using the water cooling method, cover in candles in tinfoil. If using the oven method, turn the oven off and let the candles cool inside.

We just made beeswax candles! All my childhood dreams are coming true! Also, wouldn’t these make great gifts?!

Have you ever tried candle making? Let me know in the comments!

love,
melanie

12 Habits to Save Money, Be Happier and Make Life Easier

12 habits to save money, be happier and make life easierAutomating my life through habits is my big secret to staying sane. During the summer, I work 10 hour days, have two hour commute and with my lunch hour, I’m gone from my house for at least 13 hours a day. I also write for this blog and And Then We Saved, have some semblance of a social and family life and maintain a relatively healthy lifestyle. But to fit everything in, that doesn’t leave much time to do anything other than sleep. Automating my life has made things so much easier and it’s given me a bit of time back each day. It’s the only reason my brain hasn’t completely gone haywire.

I’ve learned that we humans can only make so many decisions per day and if we waste those precious decision-making skills on something like the lunch menu, we have fewer skills available for something actually important. I’m no psychologist or even an expert, but The Power of Habit by Charles Duhigg explains the science (and power!) of habits way better than I ever can. I’d really recommend it.

Even our president knows about the power of habits. Ina 2012 interview for Vanity Fair President Obama was quoted saying, “You’ll see I wear only gray or blue suits,” he said. “I’m trying to pare down decisions. I don’t want to make decisions about what I’m eating or wearing. Because I have too many other decisions to make.” I’m not making the important decisions that our president is, but even piddly decisions are exhausting. So to deal with those decisions, I make habits. It’s helped me to save money, be happier and make my life easier. Here’s my best habits:

1. Meal Prep
There’s all kinds of articles out there about how to meal prep. Most of them I find overwhelming and boring. Here’s how I meal prep: On Sunday night I make all my breakfast and lunches for the work week, and then I have a loose idea of the dinner choices. I chose to not make my dinner in advance, because I like variety—it’s the spice of life! But I may do some dinner prep– like cutting up vegetables.

For breakfast I’ll have my crustless quiche. This helps to use up the leftover veggies in the fridge—ensuring that I don’t waste food or money and I start the day with protein and veggies.

For lunch, during the summer, I’ll usually have a large spinach salad with pre-cooked chicken. It doesn’t take long to throw together and it doesn’t get old because I can mix it up with different dressings and toppings. During the winter, I’ll usually have soup or stew made from my trusty crock-pot.

For snacks, I rely on packs of nuts and apples with nutbutters that I keep in my desk at work. I also keep tea and coffee at work for those times when I need a little extra jolt. It keeps me from dropping $5 at my school’s coffee shop.

For dinner I rely on easy staples. I don’t plan in the traditional sense of the word (i.e. there’s no Taco Tuesday) because George and I might be in the mood for tacos on Monday or every other day, we love tacos. Instead, I’ll have a loose idea of what we’ll eat that week. One night will usually be stir fry, the next night will be tacos, another will be fish or chicken and a veggie. We’ll usually have hamburgers and we’ll almost always finish the week with a homemade pizza. Pizza is a treat and it’s our favorite.

One of my favorite tips for these easy dinners is to buy a grocery store roasted chicken. They are tasty, cheap and you can make so many quick, easy meals with them.

2. Lay out your clothes for the week (even gym clothes!)
In the morning, I’m a grump. I admit it. You’ll never see me spring out of bed to greet cartoon bluebirds at my window. I just won’t ever be a morning person and that’s ok. But to make my mornings a little easier, I’ll look at the weather forecast on Sunday; then I lay out my work clothes for the entire work week—including my socks and underwear. When I don’t do this, I end up dressing a lot sloppier than I should. It’s really helped me to up my wardrobe game and I don’t have that panicky “I have nothing to wear” moment in the morning.

I also put all of my gym clothes for the week in my gym bag along with my shoes. When I get home, I take the dirty clothes out of the car and leave the clean clothes and the bag in the car. This means I go to the gym right after work (or during lunch at work) and I don’t have the chance to go home to change. If I have the chance to go home and change clothes it’s a million times harder to go to the gym because my bed just looks too comfortable.

Sidenote: To make this process even easier, I’ve been on the lookout for clothes that can double as work and gym wear. I haven’t come up with much, yoga pants aren’t acceptable at my job, but I’m hopeful! If you have links to (preferably inexpensive) gym clothes that can double as work clothes, link me in comments!

3. Put things in their place
To make things a habit, I’ve found that placing things in a visible or convenient place makes the habit stick faster. To help me to drink more water and kick my vending machine bottled water addiction, I bought a refillable water bottle and I keep it on my work desk at all times. That simple step has helped me to drink more water and has saved me a couple hundred dollars.

Here’s a weird example: I could never remember to pluck my eyebrows and I’d always find weird stray ones when I was sitting in the car before I went in to work in the morning. So I started keeping tweezers in the car and now my eyebrows don’t look like Helga Pataki’s.

I also constantly found myself out-and-about without medicines or Band-Aids, so I made myself an Ouch! Bag to keep in my purse and it’s saved me so much money. By putting things in a convenient place (even if that place is a little unconventional) it’s so much easier to trick your brain into making a habit.

4. Make a list of tomorrow’s to-dos before you leave work
I love a to-do list. But on the days that I forget to make one, I totally notice. I won’t have direction and I’ll spend most of the day putting out fires. (Usually not literally. Although the HVAC system in the library did catch on fire one night. But I left that up to the professionals.)

By making a to-do list before you leave, you also leave that responsibility at work and you’re less likely to worry about forgetting to do something. I’d recommend keeping the to-do list short. I’ve found that three “to-dos” is the perfect number for me. More than that and I’m overwhelmed. Less than that and I’m bored.

5. Do the hard stuff first
I have way more willpower and concentration at 8:00 am than I do at 4:00 pm, that’s why I start my day with the hard stuff. It’s usually the stuff that I really don’t want to do, but as soon as I finish it, I feel better and the rest of the day is a breeze. Some people call this habit, “Eating the Frog.”

I also have a rule that I don’t buy anything after lunch. After lunch I have a lot less willpower. It’s too easy to buy things!

6. Reward yourself
You will never create those hard habits without a reward system. Our bodies crave a reward and when we don’t get that reward we become depressed. Seriously! Give yourself a small reward after you complete a new habit, like a small piece of chocolate after working out. Once you establish the habit (it may take a couple of months) you’ll no longer need the reward because the habit has become, well, a habit!

Even after my habit is established, I also like to give myself healthy rewards. If I finish a project at work, I’ll take a short walk around campus. That way, I get my daily supply of Vitamin D, a little exercise and a reward!

7. Automate your bills and savings
Automating your bills and savings is like a habit that is done for you! There’s no reason to waste time on paying bills if your income is stable. (If your income is unstable, you may want to try the envelope system.) Automate your bill pay through the billing provider or through your bank. It makes life so much easier. It saves paper and stress.

Automating my savings has been one of my best life hacks. The bank automatically pulls a bit of cash from my checking account out each month into another bank account. I have the cash in a separate bank account to take away some of the temptation of spending the money. I don’t even have an ATM card for that bank. I love my Capital One 360 Savings account for this because you can designate pots of money within a savings account. (They didn’t pay me to say this!) For example, I have a little bit of money pulled into a travel fund each month and a house fund. I even had a savings designation for my laser eye surgery!

8. Learn from people who already have it figured out
We’ve all got that friend or relative that has it all figured out. They have their habits down pat. Ask them how they established their habits. The same habit-reward system won’t work for everyone, but I think it’s fascinating to find out how my dad does so much laundry or my mother-in-law manages to hand wash all the dishes after she just made dinner. (Dishes are my kryptonite!)

There’s also some really great literature out there about habits. I can’t recommend Charles Duhigg’s The Power of Habit more. I’d also recommend Getting Things Done by David Allen. His system to-do system is a little complex, but he offers some great insight into the power of list-making.

9. Keep a journal
One of the best habits I’ve established is keeping a gratitude journal. Each night I write down three things that I’m grateful for. It’s helped me to be happier and more grateful for my life. Even on the bad days, I’ll find something to be happy about and many times on the good days, I’ll write down more than three things. It’s also a habit that has helped me to establish other habits because I can see the positive effects that my habits have on my life. For example, going to yoga made me feel clarity or sweeping the floor made me feel accomplished.

10. Start habits one at a time
I get so excited about starting habits that I want to do all the good habits all at once. But I have so much more success when I start habits one at a time, establish the habit for about a month, then try to incorporate the next habit. We aren’t robots and trying to start five habits is overwhelming. We may do good for a week or so, but then we’ll resort back to our old bad ways because it is too hard. I know. I’ve been there. Take your time establishing a habit before moving on to the next one. You’ll have much more success. Promise.

11.  Delegate
Some tasks aren’t worth your time. They really aren’t. Creating habits and automation will only take you so far when you have a busy life. (And we all have a busy life.) Don’t be afraid to ask for help when you need it or even hire someone to do it for you. I know it cost money and we’re all trying to save money, but consider if your time would be better spent on other tasks. Figure out what your time is worth with this handy calculator from Learn Vest.

There’s some great services out there to help out busy professionals. Fiverr will help you to do everything from writing a professional bio to creating a logo for, you guessed it, five dollars. To the point where you need an assistant? Virtual Gal Friday can help! For more errand-like tasks, TaskRabbit will help you to outsource household tasks.

12. Forgive yourself and start again
Creating new, positive habits is hard. I still struggle with habits every.single.day. We all have days that just don’t go as planned and we don’t have time to meal prep. Or we fall asleep before we have time to lay out our clothes. (Ahem, me.) But don’t beat yourself up about it. Simply forgive yourself and start again. That’s the great thing about habits. You have the control to pick that habit back up and start again.

How have you established a habit? How have habits bettered your life? Let me know in the comments!

love,
melanie

The Importance of Big Wins When Saving Money

airstream 2I regularly read and keep up with a handful of personal finance blogs. Maybe I’ve just had a bad attitude, but it seems that a few of them have taken a turn towards the self-righteous as of late. Of course, I’m not speaking about all personal finance blogs, Anna from And Then We Saved is my girl.

I write about saving money and living in an Airstream because I still want to live life. And to do so, I make priorities. Living in a big McMansion isn’t my priority. Hell, living in a real home isn’t even my priority. I save my money so I can travel, see the world and yes, actually live life because one day, I might not be able to do so. I don’t want to look back on my life and have any regrets. I don’t want to regret not seeing the world while I am young. I don’t want to regret not being able to dance the tango (or a really bad version of it) with my husband in Buenos Aires or climb the Great Wall of China.

Sure, I’ll budget for things, like my upcoming road trip, but I don’t budget for every little thing. It’s not sustainable. I pick my battles. I might employ a few weird ways to save money, but I don’t employ all of them. I can’t make everything my priority. I have a 9-5 (well, actually a 12-9), family obligations, I’d like to see my friends at some point and I try to make a little extra dough on the side.

None of us are perfect. Even those who give advice on personal finance. We all have those days where a $1.25 trip to the vending machine for peanut M&Ms is literally the only thing that saves our sanity. But what’s more important are your priorities. If I’ve learned anything on my personal finance journey, it’s that to save money, you need to focus on big wins. Living life in an Airstream is rent-free. And that’s my biggest win. It’s not taking Navy showers or turning all the lights out after 9pm. (I don’t do either of those, btw.)

Focusing on those big wins makes our life easier. It’s the big wins that really matter.

As always, I’d love to hear your thoughts in the comments!

love,
melanie

 

 

How to Live Without a TV

photo c/o wikimedia commons

photo c/o wikimedia commons

I’ve lived without cable for most of my adult life. I just never saw a need for it. When my husband and I moved into the Airstream, we ditched our television set. We ditched our TV mostly due to space, but we don’t miss it. Whenever I tell someone that we don’t have a television, I’m usually met with shock and awe. You’d think I told them that I live without oxygen or the sun. The first question that our relatives asked when they visited our humble abode was “Where’s the TV?” (My first question when visiting most people is “Where’s the bathroom?”)

Prior to moving into the Airstream, we mostly used our TV to stream Netflix. We had a box to pick up public television, but it never worked, so we just didn’t worry about it. I cancelled Netflix when we ditched the TV. Full disclosure: I do have a Hulu subscription that I have hung onto, but I am debating cancelling that this summer too.

There’s so many perks to cutting the cable cord and ditching the “idiot box,” as my dad likes to call it. Here’s just a few:

  1. You’ll have more space.
    Even flat screen TVs take up space. Instead of a television, put up a beautiful piece of artwork that inspires you!
  2. You’ll have more money.
    Even if your cable subscription is only $60 a month, paying that bill adds up to $720 a year. If you have cable for your entire adult life and you live to be 80 years old, you’ll spend $50,400 on cable! And that isn’t even accounting for inflation, people.
  3. You’ll have more time.
    Cable and TV is a time-suck. How many times have you gotten sucked into a whole season of Law and Order? Be honest. Think about how much more time you’ll have once you cut the cord. You’ll finally have time to write that novel (or blog!), plant that garden, cook a healthy meal and so much more.
  4. You’ll be less stressed.
    When I did have cable for a couple years in college, I fought with the cable company all the time. They’d always over charge me or the cable would go out for no good reason. That kind of stress is unnecessary and I chose to eliminate it from my life. I also believe seeing less opulence from TV helped my psyche. I no longer cared to keep up with the Jones or the Kardashians or whoever.
  5. You might sleep better and be happier. 
    Exposure to dim light at night has been linked to mood disorders, increased risk of obesity and cancer. Also, the blue light of televisions and computer monitors mimics morning light and is more likely to keep you awake at night. Do you need more of a reason to smash your TV in an epic Office Space-like scene?!

So how do I get along without a TV? Just fine. I get most of my news from NPR. I listen on the radio on the way to work. I check the weather via an app on my phone. If I’m dying to watch a movie, I’ll check out a free movie online or from my local library. (Check out this post I did over on And Then We Saved about legal ways to watch movies online.)

So how do you manage to go about living without a tv? Cutting the television cord is a lifestyle change, I’ll give you that. But it’s a change that improve your live for the better, I promise.

Try at first to cut your television watching to an hour a day, then 30 minutes a day. Just see how much more free time opens up with one simple change. 

Have you tried living without cable or a television? Let me know how you survive in the comments!

love,
melanie

14 Easy Ways to Save Money

Photo c/o Getty Images CC.

Photo c/o Getty Images CC.

The going has been tough for this girl. It’s almost the end of the spring semester and my head is spinning with projects, conferences and classes. During these insanely busy times, it’s so much easier to just stop and pick up something to eat or buy something just to make myself feel better. But I don’t want to fall off the savings bandwagon, I want to keep savings toward my goal of travel and eventually retirement. Lately I’ve been looking for easy ways to save money during these oh so busy times. Here’s a few of the easiest ways I’ve found to save a little dough.

  1. Automatic draft
    This is by far my favorite tip for saving money. Set up an automatic draft to pull money from your checking account into your savings account each month. It’s automatic so you have no excuse not to do it. Think of it as a bill you pay yourself!

  1. Cancel subscriptions you don’t use
    Subscription services are becoming a huge industry. Subscriptions, like Netflix or Barkbox can be fun, but remember they charge your credit card each month. Check your monthly bank statement and cancel any subscriptions you don’t use.

  1. Keep your tires inflated & change your air filter
    Keeping your tires inflated can save you about 5 percent in gas mileage and keeping your car’s air filter fresh can save you about 7 percent in gas mileage! Just keeping up with your car’s maintenance and could save you hundreds each year.

  1. Reusable water bottle
    Ok, I admit it, I used to go through at least two plastic water bottles a day. The costs of those little suckers can add up– especially if you are purchasing them from a vending machine. Two bottles of water at $1.25 a pop over the course of a year adds up to almost $1,000!  I’ve made the eco-conscious and money-conscious switch to a reusable bottle and never looked back. I’ve been drinking more water since I don’t have to pay for it and

  1. Keep snacks in your desk at work
    Do you see a theme here? Avoid the vending machine! By keeping snacks in your desk at work, you won’t be lured by the glow of the office vending machine. My workplace also has a coffee shop nearby, so to avoid that temptation I keep instant coffee at my desk. Some of my favorite snacks to keep at my desk are apples and peanut butter, tea, instant coffee (of course) and individual packs of nuts.

  1. Generic version
    The generic version of everything is cheaper than the name brand. I love to save on beauty products by buying the generic version. I recently bought some over-the-counter medicine and I was shocked at how much I saved purchasing the generic version. Think about the savings that will accrue over the course of your life by always simply buying generic!

  1. Unplug
    Phantom power is a thing, ya’ll. Even devices that have been turned off can draw power (phantomly!) and up your power bill. Scary, huh? By unplugging the power suckers you’ll decrease your power bill and save yourself some change. I’ve been unplugging my laptop and cellphone charger when not in use and I was surprised at how easy it was to form the habit.

  1. Negotiate your cable, phone and Internet bills
    This is one of those big wins that can save you thousands over a lifetime. By simply calling your Internet, phone and cable provider and asking for a discount, you may be able to obtain one. Ask and ye shall receive!

  1. Wait to purchase
    Since I’ve been on my journey to saving money, I’ve noticed that I have a tendency to impulse buy. Instead of buying the item I want right away, I’ll pin it to my Pinterest board or promise myself to come back to the store tomorrow. Nine times out of ten by the next day, I won’t even want the thing anymore!

  1. Pay off your credit cards immediately
    I don’t think credit cards are evil like some people will lead you to believe. Credit cards just have to be used wisely. Don’t put purchases on your card that you can’t pay off right away. And don’t let interest accrue on your purchases. By paying off your cards right away, you’ll avoid paying any interest and you’ll strengthen the health of your credit score.

  1. Avoid ATM fees
    ATM fees are ridiculous. ATM fees are just one of those things that I refuse to pay, eve if the fee is only a couple of bucks. There’s so many ways to avoid those pesky fees. You can bank with a bank that doesn’t charge ATM fees, use a large bank who has branches all over the country and you can get cash back during purchases. I’ve bought a pack of gum before just to get cash back and avoid a fee. Afterall, I’d rather have a $2 pack of gum than a $2 ATM fee.

  1. Use the library!
    Libraries have a variety of goods and services available to their patrons for free! Your library probably offers more than you think. For more ways the library can save you money check out this post.

  1. Price check
    One of the best things about smart phones is that now you have the instant ability to price check stuff while out and about on your phone. Before I’m about to make a purchase over $20, I’ll whip out my smartphone and do a little price checking. If I can get it for less online, I’ll wait to purchase it. The delay in purchasing also helps with impulse buys. f you don’t have a smart phone, that’s ok too. Just write down the price and when you get home (or to the closest Internet connection) check out the price from other retailers.

  1. Make frugal friends
    I love my frugal friends. They’ve taught me so much about money, deals and saving. They aren’t afraid to stay at home and just hang out to save money. They invite me to yard sales and I invite them to the flea market. Frugal friends don’t put pressure on you to spend extra money or to go out to eat because they’re happy making a meal together at home. Making friends with frugal people is life-changing. Don’t have any frugal friends? Feel free to email me or leave me a comment and we can chat. Virtual frugal friends are better than no frugal friends!

    What easy ways have you saved money? Let me know in the comments!

    love,
    melanie

Birthdays and Money

baby me!

baby me!

Well, today’s my birthday. I celebrated last weekend because I knew I wouldn’t have time to do much celebrating today. As I get older, I want to do less and less celebrating anyway. I’m happy just laying in bed and watching movies with George. And maybe eating pizza… I do love me some pizza. And to be honest, as I get older I want less and less things. Sure, I’ll occasionally see something pretty when I’m browsing Pinterest and maybe I’ll want it for two minutes, but I’m more interested in acquiring experiences now.

This has been a really nutty and difficult year. In some ways, I’m kind of glad that 27 is behind me. This year I’ve learned a lot about money. I’ve forced myself to stop being scared and careless with money and learn how to use it. This year I’ve also learned a lot about life and death. I’ve been forced to think about how I want to live the rest of my life and how money can help acquire that life. I don’t think money can buy happiness, but we all need money to live and we need to know how to use money as a tool for a better life. I believe the meaning of a better life is up to the individual. My better life means more time to travel, more time to spend with the people I love and to live life without debt.

Zora Neal Hurston once said, “There are years that ask questions and years that answer.” This year was a hard, real, thorny answer.

love,
melanie

 

 

Money Saving Mind Tricks Guest Post

Money-Saving-Mind-Tricks-andthenwesaved

Photo c/o And Then We Saved

Hey ya’ll! Just stopping by to show you my latest guest post over on And Then We Saved. It’s about money saving mind tricks and it was super fun to write.

Check it out here!

love,
melanie

 

 

How to Make Extra Money Recycling Scrap Metal

how to make extra money recycling scrap metalRecycling scrap metal is our latest money-making weekend excursion. We live on a property where people used to dump trash. It’s unfortunate, but it happened. Instead of being bummed about our situation, we’re being opportunistic and profiting from recycling the old metal that was left on our property. You don’t have to live at a dump (ha!) to profit from recycling. My sister and I saved a thousand dollars a piece as kids from recycling aluminum cans.

Locate your source
This is the most important part of scrapping. Here’s a couple of ways to locate a scrap source if you aren’t lucky enough to live on a dump. 🙂 Ask family and friends if you can haul off their old appliances. Ask your neighbors if you can go through their recycling and pick out the aluminum cans— that’s what I did as a kid. Notice that your workplace doesn’t recycle? Offer to take the recycling to the dump and profit from the aluminum cans (and in some states, the glass bottles!). Post an ad on Craigslist to haul off old junk for free.

Locate your local scrap metal yard
Different scrap metal yards will be take different kinds of metal. Look up your local scrap metal yard and check to see what kind of metal and objects they accept. Some metal yards are wide-ranging and they’ll accept anything from coat hangers to Christmas lights. Others may just accept aluminum or old car parts.

Check the pricing
The price of metals can change on a daily basis. Certain metals will be more profitable than others. Copper, for example, fetches a high price. Aluminum is much easier to locate, but will fetch a lower price.

Check the weather and consider time of year
Scrapping in the rain is no fun. Also scrapping in 90 degree heat may give you heat stroke. Use common sense, people. If you are scrapping metal in the woods or outdoors, the early spring is prime time to scrap. The poison ivy isn’t out yet and neither are the snaaaaakes.

Wear appropriate clothing
No one should spend their scrap metal profits on tetanus shots. Wear thick gloves. If you are going out into the woods, like we did, wear long pants and long sleeves to protect yourself from poison ivy, brambles and the rogue sharp object.

Keep weight in mind
If you come across a large source of metal, you’ll want to keep weight in mind. When we moved scrap from the woods, we picked out the largest, heaviest objects because we knew that they would bring more cash. We avoided the flimsy, small and “roached out” pieces of metal.

Invite your strongest friends
If you plan to scrap appliances or large barrels, like we did, you might need to split your profits with a strong friend. I could carry out a few of the barrels, but George did the majority of the heavy lifting. We found a couple of stoves and a bed frame back there and there is no way my spaghetti-noodle arms could have carried that stuff out alone.

Borrow a truck
Scrapping can get dirty. We borrowed my father-in-law’s truck to haul our junk to the scrap yard. My car didn’t get dirty and we were able to put much more scrap into the bed of a truck than in the bed of my Honda!

Scrapping metal can be a profitable little side gig and a great workout. George and I joke that we should invite people over to our house for “country crossfit” and make city people do all of our chores— chopping wood, pulling scrap metal out of the woods and tilling the garden.

Have you ever tried to trade in your scrap metal for cash? Let me know in the comments!

love,
melanie

How to Create a Budget for a Road Trip

This isn't my actual budget, but it's a good start!

This isn’t my actual budget, but it’s a good start!

Yesterday I went over 20 ways to save on a road trip. And today I’m going to take you through the details of creating a road trip budget. Creating a budget for a road trip is a little nerdy (what?! nerdy? who? not me!) and maybe a little too Type A for some folks. But I’d highly recommend it. We don’t want to come back after a relaxing trip to a mound of debt. Am I right?!

To help you figure out costs, I recommend the following:

A Travel Budget Calculator
Travel budget calculators are quick and convenient. I like to use online travel calculators like this one and this one for the initial and estimated cost of my trip. Then, I get real nerdy and create a more official budget in Google Drive. With a spreadsheet in Google Drive, I can see the hard numbers, including money I spent before the trip. If I have wifi, I can also update the costs along the way! If you’ve never created a spreadsheet in Google drive here’s a video on how to do that.

A Fuel Cost Calculator
Paying to fuel up your car is no fun– especially if you drive a gas guzzler. With the app and website Gas Buddy, pump prices are no longer a surprise. Just put your route and vehicle information into the calculator and Gas Buddy will pinpoint the cheapest gas on the route, so you know exactly where to fill up and the exact cost!

Don’t forget to factor in costs for:

Tolls
Tolls can be one of those unexpected and bummer costs on a road trip. To avoid an unexpected toll, or even worse getting caught without the cash to pay the toll, put your trip into Google Maps before you leave. Google Maps will warn you if there is toll on your route. You might be able to go around the toll, but sometimes tolls are unavoidable. Most states with tolls will have some sort of prepaid quick pass. Florida has a “Sun Pass” that makes travelling through tolls cheaper and quicker. Just a little bit of Internet searching should bring up the costs of the tolls in the states you are planning to visit.

Food
To me, food costs are the most difficult thing to budget for on a trip. I don’t know what I’ll want to eat tomorrow, so how do I know what I want to eat three months from now?! Unfortunately food costs are more of an estimation. To even attempt a budgetary number, I look at the price range of the restaurants in the area on Yelp. I know that some days a mom & pop diner will do just fine, but other days I’ll want something a little more fancy. It’ll usually even out, but I always give myself a little more wiggle room in this department.

Experiences
Don’t ever forget to budget for experiences. Experiences, like parasailing in the keys or seeing Cirque du Soleil in Vegas can really make your trip. Just do your research before you go! You might be able to find online coupons or discounts for ordering in advance.

Lodging
Lodging will probably be the most expensive part of your trip. Remember, you can ask to stay with relatives or friends, couch surf or even camp. For this trip, we’re planning a combination of budget hotels, a couple days in the lap of luxury and a couple of days camping! That way we get the best of everything! Lodging costs are fairly easy to calculate if you book all your hotels in advance. Remember to always check for discounts and shop around for a hotel. Start your search early and you could save some major buckaroos. Experts recommend booking about 6 weeks out, but for some travel locales (like the beach during the summer) I’d recommend booking much farther in advance.  My favorite hotel deal site is Kayak since it searches all the travel deal sites at once!

Incidentals
It’s the law of the universe. Something is going to happen and you’re going to need a little more money than you thought you would need. It’s always better to over budget and come home with money in your pocket than come home with pockets full of sand and regret.

How do you create a budget for a road trip? Let me know in the comments!

love,
melanie