Saving Money

Page I setup for where to Donate Things but also could be a good place to get things Free or cheap :)  

Page I added for Student Discount

Page for  Low Income  Resources 


***Buy less things then you will save money :) 


Things that pay for themselves & Money Saving things

A lot of the items below will save you green and are also green for the earth...  A friend and I have been working on this list for a while and I am putting this on its own page now it use to be part of the Shopping page for years but I felt that I had so many differnet things to cover that this would be the best way to go about it. 


Get it FREE 

 

Mostly Free software  Media but also Air condoms etc... check the page out. 


Lowering Food & Health cost free food etc... 

 If its at a restaurant or grocery store etc.   I did a page on getting food and getting health. 

Housing 

1# one cost  

Housing is the largest cost for 90% of people This is why I put these in this order starts with Health then home and then transportation etc.... 

Owner Occupied  Duplex  

This is my personal favorite as it is something that I have done since I have owned my 1st and so far only home. I like the tax breaks and the income. Page about Duplex 

Small apartment unit in town  

This is another thing I did I lived in a small one bed room apartment I was able to get a great location at a low rate because it had a bad view and was small. I would not have wanted to own this as a condo because then I would have had too much money vested in that place. It was nice to be able to walk away. If you want to live downtown Cedar Rapids, Iowa I would recommend the place I stayed at http://riverviewcr.com/ I think the rents have gone up a lot since I was there. Its a good location and good place. I did not have a car when I lived and worked down there. 

House in rural area   

With taxes and values being lower this could be another option especially if you can work fully remotely and just want a cheap low cost quiet area to live in then check it out. I am not going to list places but Iowa has many. If you have to drive in town or go to one of the big cities in Iowa then this may not be worth it at all.


Transportation

Bus Services & non-car ownership

 I cover this a lot more in the Student Discounts page.  On the living without a car page. low income page I talk about the City bus and how you can get free fare with disability or low income.

Car Owners 

Pick the right time and the right place to fill up I know some independent gas stations have a day a week where gas is 7 cents off a gallon. Gas Buddy can be your Gas shopping Bud too to help lower gas cost too. Sam's Club is also an option if you are not too far away from one they are discounted rates and if you are already there picking stuff save on gas too.

 


Groups and activities

 

Mindbridge Game Library & Events 

A nonprofit group that promotes gaming website They also have some convention that are local to eastern Iowa you can pre-order a membership at a much lower rate than at the door and a lot of times they do a black Friday online sale. They do gaming Sci-Fi and Anime one in the fall spring and summer.  

Freemasonry

Most Masonic stated meetings have a meal before the meeting you can donate a few bucks to the meal and get a good meal and fellowship and the meeting. I tend to go to the lodge I am a member of and a few other lodges a year as well. The member dues are around $120 a year or so so about $10 a month and the brotherhood has been very good to me over the last 15 years.  For more info you can go to their website or reach out to me or check out my page on Freemasons


Friends of the Library

I have been a member of a number of friends of the library groups its one of my favorite groups that I have been a member of I have a life membership for the one in town because I have been a member over 15 years+ and have done so much with that group you can get free and discounted books media and more that the group wants to discard. Here is my page on Libraries.  

 Church's and other groups could also offer things like the above these are just the groups that I have done the most with.



Fitness 

Home Gym or Membership etc.

 

the MAC the best gym in the CR area.

You should also  check  this plan with the Iowa Farm Bureau for the discount plan You have to join the Bureau but it only cost $40 per year. 

https://www.activeandfitdirect.com/  Its $28 a month with that discount 

 Sporting Equipment

I bought a bowling ball & shoes some years ago from a Bowling Shop in the area the shoes have paid for themselves with not having to pay shoe rental fees. I have page all about the ROI of my shoes. 

other low cost sports to play. http://www.budgetsaresexy.com/2013/01/9-cheap-sports-of-the-un-rich/


Shopping 

Optimizing Sam's Club membership

I am not a big fan of how Walmart/ Sam's Club treats the people who work for them.... But I like the price and if I was closer to Costco I would have a membership there just my disclaimer before I get started... 

Saving on Membership

 I did this with memberships before COVID you could get a free membership if you buy $50 on your 1st trip there then you can get the membership free since COVID they have not done that. What I have done since then is wait for the best deal which was a $45 membership for the price of $10 keep that for one year then drop for 6 months. Then if you have domain names you could create a forwarded email address example sams@example.com or Sam@example.com since each time you sign up you can use a different email address. I would also recommend getting a physical card for Free since the App for me has been kind of hit or miss. What I did for a number of years I had a friend who had a membership from his work and we would go together and split things so it was cheaper for both of us.  

Now that your in...

The best hot food deals 

The hot dog soda combo is only $1.38 The whole Pizza 16" is $8.98 The Member's Mark Seasoned Rotisserie Chicken for $4.98 

Cost per unit is lower than else where since you buy in bulk 

Getting Paper towels TP drinks and other things like oatmeal etc here have the lowest cost per unit I am kind of a Prepper and like to have things on hand and this allows me to stock up every time I go so I only go about once a month or so I would recommend Nature's Twist Sugar Free Lemonade its $8.98 or about 37 cents per bottle... I could list off a lot more things but I think this is a good baseline    

https://passionatepennypincher.com/best-sams-club-deals-worth-buying/ 

Small Business Services 

What I may do going forward is get a Sam's Club membership that is the $100 a year plan and with being a small business owner with my rental properties and other business stuff that I do just write it off on my taxes  but would really want to do a ROI calculation as you can get a discount with just the base membership and cashback without having to upgrade to the higher end membership 


 Dollar Tree $1.25


Plackets/Flossers, Greetings card's,  Office supplies

Cleaning supplies, Coloring books, Diecast toys


Sun & reading  glasses way lower than any other place for these


Cheap Hallmark cards a card is a card most of the time Why Pay More?


https://hip2save.com/deals/best-dollar-tree-items/


Dollar store best buys

 https://lifehacker.com/the-best-things-to-buy-at-the-dollar-store-1774228189  



 https://www.thriftyfrugalmom.com/what-to-buy-at-dollar-tree/



The market value of a dollar stores is that in a lot of areas no one else would invest in the area at least this stores do. https://www.capitalismmagazine.com/2024/01/dollar-stores-are-a-beautiful-thing/ 


Dollar General and other stores seem to cost more than the above two bur in low income areas and small towns Dollar Generals are the only option but its better to have that option and be able to work or take a short drive then having to go miles and much more time.


You can pre-order things for pick up at Walmart and that maybe worth it sometimes.


Best Buy Router Deals   


Best Buy  15% off a new Router and other networking tools for that. 


https://www.bestbuy.com/site/recycling/networking-recycling-offer/pcmcat1497300657381.c?id=pcmcat1497300657381 



 https://www.reddit.com/r/HomeNetworking/comments/bigmcf/fyi_15_off_any_networking_gear_at_best_buy_if_you/      


Thrift Stores & 2nd hand shops 


I have a whole page on places to donate too and that also make a good place to shop at as well. If you can get it for less go there. 


Get Power 

Rechargeable Batteries

I like chargeable batteries you buy them once recharge with time of day billing at night so that you can use the lower cost charging time. Then you don't have to throw them out after one use they can keep going and going :) 

Panasonic K-KJ17MCC82A 4-Position Charger with 2 AAA & 8 AA eneloop Batteries & 2 C & 2 D Spacers link


check your power levels

emporia vue gen 2  https://shop.emporiaenergy.com/products/gen-2-emporia-vue-whole-home-energy-monitor 

Kill A watt 



Solar on the roof

This is something that has interested me for a long time I don't mind paying the 15k up front to then have free power for the next 30 year I know the tax breaks and other factors are helping with this product but I feel like its empowering even if its not the best return on investment ROI. 


Utilities & Things around the house that save...

Roof insulation upgrades 

 This can be a fair amount of money upfront but over the long hall has a goo ROI. my Roof went from R11 to R49 I had an energy audit done after the insulation was added and each unit only loess less than $40 a year in energy cost. But it was still 4K or so upfront to make this happen. 

https://critterstop.com/post/roi-when-replacing-attic-insulation/ 

 

Opening Windows VS AC VS Window Fan 

a compromise could be a window fan 

Comfort Zone CZ319WT 9" Twin Window Fan with Reversible Airflow Control, Auto-Locking Expanders and 2-Speed Fan Switch Its around $35 or so for this link to it. 

If the humidity level outside is much above 65%, you are usually much better off keeping your windows closed at night and using your AC instead.

A Green Lawn solution Lawn Mower Fiskars reel mower Link to Review.


Bathroom & water use 

TP in bulk at Sam's club

LUXE Bidet NEO 120 - Self-Cleaning Nozzle, Fresh Water Non-Electric Bidet Attachment for Toilet Seat, Adjustable Water Pressure, Rear Wash Link

 LOKiVE Toothpaste Tube Squeezer Dispenser, 9 Pcs Plastic Tube Squeezer Holder Toothpaste Clips for Saving Toothpaste  etc Link

Dollar Tree has 2 piece  Mesh Strainers Kitchen Sink that work great for the bathroom sink and show/tub to keep things from going down em and its only $1.25 


 Navy Showers can lower how much time water etc is used to wash. 


Misc. Water

I don't have a dishwasher nor an Ice maker just use I trays. but I only drink water so I don't use Ice that much.


Use cold water to wash most of your regular clothes, only use one rinse cycle.

Calendars  


Calendars on your phone are the idea option but having an Needlepoint Hand Crafted Perpetual Calendar is a nice one to have all the wall its a green option so you never need to buy one or use one the Free ones that come in the mail it only takes a few minutes to switch over each month and then it lets think out the month. 

Outdoor clothes line

I use this every so often its nice to be able to dry clothes at the cost of FREE and this came with my duplex. No power needed just let it all air dry. 

Fire Pit

Can burn stuff cook for Free just need a lighter and stuff to burn tree scarps paper etc... All you need is a lighter and you are good to go to get started 

Furniture & Appliances

 Iowa City futon

Full size house special 

http://www.iowacityfutons.com/

Appliances 

Toaster ovens & microwaves can save you more money than just using a standard oven. 


Misc

24 Pieces Charger Cable Saver, Silicone Flexible Cable Wire Protector, Mouse Cable Protector, Suit for All Cellphone Data Lines Link


Flip It Bottle Emptying Kit, Single Pack-Kitchen/All-Purpose Link

Spatty Daddy Kitchen Spatula Set (6 and 12 Inch Blue)  Link 


Media 

TV Movies & News  

Over the Air TV is a great way to get free content after a cheap setup. If you can get a roof antenna get one your picture quality will greatly improve I was able to get one and have it installed for $200 or so. 

If you are looking for a basic OTA antenna this one cost me $20 once and is a really good one. 

https://www.channelmaster.com/products/flatenna-35-indoor-tv-antenna-cm-4001hdbw 

Getting some sort of DVR would be good.

Simple and cheap offline DVR setup that can be setup for under $100 

WH 150 Homeworx DVR Works nice no internet needed link 

I only watch  PBS and weather otherwise I don't watch TV much. 

https://www.freeblockbuster.org/ 

lots of free movies DVD's that you can checkout for free. 

Little free libraries is another project that I have done a lot of work on. 


 Music

Iowa Public Radio nonprofit noncommercial radio iowapublicradio.org 

YouTube has some of the best music and its free and easy to download the videos as MP3 files to listen anywhere. I have mostly old Motorola phones you can download the Motorola's radio app and listen to FM radio service from your phone without paying fees or seeing ads you still hear ads on commercial radio though.  

Most phones  either had this app on them or I was able to get it added to them and then I could record the radio. I could get the data that the radio would send through and it turned the old phone into an FM radio. It would even work on some stations without the headphones plugged in, but it's a pretty cool application with that

https://play.google.com/store/apps/details?id=com.motorola.fmplayer

Media Free Online 

Project Gutenberg - Free books https://www.gutenberg.org/ 

Internet Archive Music Books website way back machine  https://archive.org/  

LibriVox - Free audio books https://librivox.org/ 



Computers Tech  & Telecom 

  

Cell Phone Service

is one of the cheapest phone providers out there. I have them along with a Free Google Voice  number I mostly use Google Voice because it integrates with Google hangouts so I can use it cross platform. 

https://www.google.com/voice/ 

 If you don't talk much Redpocket could be a good pick for phone service at $30 a year I use it as my backup phone line. 

I am looking at options for phone service where it cost $100 a year and you get unlimited talk and text with some data. 

 

Internet

The best deal out there spend $750 get Join the Calyx Institute after the 1st year its $500 each additional year for unlimited 5G internet. On the back end it runs on T-Mobile network 

https://calyxinstitute.org/


Used Tech

Midwest Computer Brokers Link http://mcbia.com/

for used computer & accessories you can get a good used laptop for $100 I like the $300 range right now and can get something almost as good as a brand new $3K+ PC. 

   

New Tech

Kirkwood Eagle Tech http://bookstore.kirkwood.edu/eagletech

a great place to buy a New Apple product or other new tech thing with a warranty & discounts

"You'll get them tax-free and at the same academic pricing we offer our full-time staff, faculty and credit students."

Smartphone's 

I like buying Android phones new because of the software updates security and just overall performance I use my cellphone way more than I use my PC most days and it seems that the tech for Cellphones is moving at a much faster rate. A functional phone can be had for under $100 but an Ideal phone would be around $300 or so 


Subscriptions

Overall I avoid magazine or many other types of monthly Subscriptions. I use Free email subscriptions.

 Bankruptcy Planning & Advanced buys  

Most people do not plan to go bankrupt but millions do each year and its good to have an understanding and basic plan in place should something like that happen to you health care cost are the number 1 reason this happens to people. Chapter 7 tends to be the best way to go that just gives you a clean slate.  If you shop till you drop you may need this :)  This was growing with so much info that I created a whole page about it. 


Death 

  I have a number of pages that can help with this 

When money is tight checkout my Free page and my Low Income page

I am working on a Cremation and Celebration of life page on the site for setting something like that up. 

Death and celebration of life of life planning page  

Donate your body to U of Iowa

https://medicine.uiowa.edu/acb/dbphowtodonate  

prepaid burial plan from Iowa cremation 

for under $2,500 you can get this paid off and taken care of. 

https://www.iowacremation.com/ 


Links 

that may or may not work they are older and its kind of hit or miss..

http://www.thesimpledollar.com/12-items-that-pay-for-themselves-tenfold-or-better/

http://www.clarkhoward.com/7-things-that-will-pay-for-the

http://www.thesimpledollar.com/25-gadgets-that-actually-save-money/

http://www.cheapism.com/blog/3818/useless-things-you-dont-need

http://www.csmonitor.com/Business/Saving-Money/2015/0405/Ten-purchases-that-may-pay-for-themselves

http://forum.mrmoneymustache.com/ask-a-mustachian/things-that-pay-for-themselves/

https://www.reddit.com/r/AskReddit/comments/miggv/what_products_can_i_buy_that_will_pay_for/


https://johntreed.com/blogs/john-t-reed-s-succeeding-blog/63395587-business-vacation-trip-packing-list  


https://lifehacker.com/a-bill-by-bill-guide-to-saving-money-on-your-monthly-ex-5823762 

https://www.becomingminimalist.com/a-practical-guide-to-owning-fewer-clothes/


https://www.threethriftyguys.com/2018/03/10-ways-to-save-money-on-fixed-expenses/  


https://almostfearless.com/the-10-unexpected-costs-of-owning-things/ 


https://minimalistlifestyle.wordpress.com/2010/09/21/easiest-ways-to-save-money/ 


Tech and saving $$$


https://lifehacker.com/top-10-things-you-can-get-for-free-or-cheap-5797326 


https://www.biggerpockets.com/blog/2013-11-09-active-income-vs-passive-income  


https://lifehacker.com/top-10-tricks-to-get-discounts-on-almost-anything-1227564502  


https://lifehacker.com/how-a-regularly-scheduled-phone-call-and-a-little-resea-5882777  


https://lifehacker.com/how-to-make-your-clothes-last-longer-1506012918 


https://lifehacker.com/how-to-live-cheap-and-put-hundreds-of-dollars-back-in-y-5848151 


https://lifehacker.com/five-financial-beliefs-i-thought-were-right-but-turned-1449946770 


https://lifehacker.com/top-10-hacks-for-automating-your-life-5982949 


https://lifehacker.com/top-10-infographics-and-cheat-sheets-that-make-life-eas-1154316001  


https://theeverygirl.com/essential-grocery-list /  


life on 25K a year 


https://web.archive.org/web/20160314041844/http://killingbatteries.com/2011/11/how-i-live-on-25000-a-year/ 


https://lifehacker.com/how-to-deal-with-death-in-the-digital-age-1499858439  


https://wealthpilgrim.com/how-to-save-5000-dollars-in-12-months/ 





Gordon Reeder has lots of good info here 

Low over head 

https://myplace.frontier.com/~g_reeder/Content/ds073002.htm 


https://myplace.frontier.com/~g_reeder/Content/Budget1.htm


https://myplace.frontier.com/~g_reeder/cooktoc.htm 


http://www.gordonreeder.com/50-or-more-ways-to-save-money-now.html



Above images of clothes line that is retractable. Below images of OTA rooftop antenna and Fire pit in action

Needlepoint Hand Crafted Perpetual Calendar

Needlepoint Hand Crafted Perpetual Calendar 

Samsung 5003 Series UN22D5003 22" 1080p HD LED LCD Television

Bidet 

I was able to get this Bidet for under $17 on black Friday from Walmart