How Hard Would You Work to Get a Refund?

Who Wants The Money More?

How hard would you work to get a refund?  I have $450 at stake, but so does the other party...

I recently made a big improvement to my kitchen- quartz countertops!  After a couple years of using some mismatched old laminate countertops, and even a bar area that "temporarily" used boards nailed down to make a sort of countertop, I finally got real countertops.  These fancy countertops should last a lifetime, and will improve the value of my house quite a bit.

Quartz Countertop, Awaiting Tile Backsplash

We ordered the countertops through Lowes (I had an offer for 11% off!).  Lowes works with a subcontractor in the area who handles measuring, cutting, and installing the countertops.  The installation went great, except for one minor change of plan.  The quote we got included installing a backsplash made of the quartz countertop material across the nearly 9 foot length of the main countertop where the sink is located.  

Since this is a long run, the plan was to take measurements for the custom backsplash piece after the countertop was installed.  Then the piece would be cut, and another trip would be required to install it.  This all made sense, except when we saw what the countertop looked like, we decided to go with a tile backsplash instead of a giant piece of quartz countertop.

The quartz backsplash would have been nice, but it would have been a lot of the same color and pattern to look at.  So I called the installers right away and told them not to cut the custom backsplash piece and to cancel that part of the work order.

Now for the fun part- getting the money.  The cost for the backsplash quartz piece plus the extra labor for a second trip to bring it out and install it was around $450.  The problem with this situation is that both the subcontractor and Lowes are happier if this $450 is forgotten.  I am the only one who comes out ahead if the bill gets corrected.

On my call to the subcontractor to cancel the backsplash, I mentioned a price difference.  The initial response was that the backsplash wasn't included in the total, so no refund was in order.  But I knew it was.  I had the person pull up the quote to find the extra amount for the backsplash and verify that it WAS included in the total.  She finally agreed and said they would work on correcting the bill and would contact Lowes with an updated (reduced) bill.

About a week later, I called the design department at Lowes to make sure the $450 was actually being removed from the bill.  Guess what the initial response was...  they had not heard from the subcontractor, and the backspash was not part of the quote, so no refund was in order!   I got the person to actually look at the quote and she agreed that I should have around $450 coming back to me.  She said she would contact the subcontractor to talk about updating the billing...

I am pretty confident that after a few more calls I will get my $450.  I am the only one that is going to benefit from correcting the bill, and everyone else loses.  This means that the ball will be in my court to follow up and make sure that this does not get forgotten.

I am also pretty confident that I would not have gotten the $450 if I hadn't taken some initiative to track it down and go get it.  

Sometimes it comes down to who wants the money more.

Update 1:  After 6 weeks, I think the battle is nearly over...  I called Lowes a number of times to ask for a price adjustment, but nothing was happening.  The latest response I received stated that they didn't think the backsplash was included in the original total, so there would be no price adjustment!  Talk about frustrating!  I decided to stay calm and friendly though and handle this like a problem that needs to be solved in the most efficient way possible.

I called the countertop subcontractor (again).  I confirmed with them that the backsplash WAS included in the total (again).  I asked them to send a letter to me with the total.  This was a problem, however, since they say they have to keep their rates confidential since they are a subcontractor.  I asked if they could send a statement (again) to the person at Lowes stating that the backsplash was paid for, and what amount should be refunded.

Then I called the person at Lowes and let her know that the countertop company is sending the amount to be refunded.  About an hour later, she called back and said the refund was being processed.  This sounds promising, but I want to see the money before I am convinced that this really did work out.

I knew getting this refund would be a challenge since I was the only one who would benefit, and I was right!

Update 2:  So on Friday morning, the person at the kitchen design center said I would get a $380 refund since I did pay for a backsplash and we did not install it.  She said she was taking the sheet to the head cashier and would email a copy of the receipt.  That sounded great!  But it is Monday now, and I haven't received a receipt and my account hasn't been credited...  I'm going to have to call again.  Like I said, I am the only one who loses if the refund paperwork gets misplaced of forgotten...

Update 3:  After a quick reminder call, the kitchen designer at Lowes took the paperwork up to the cashier.  The refund was processed (I verified the transaction on my Lowes card account) and I even got a scan if the receipt via email.  Victory!  I think we found out who wanted the money more :-)

Penny Pincher Journal

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Stop Telemarketers and Scam Calls

The other day, I got an interesing voicemail message on my phone.

Stop Telemarketers and Scam Calls!

I noticed my phone was ringing, but I have stopped answering when I don't recognize the number since I get calls from so many telemarketers.  I even double checked to make sure that my number is registered on the National Do Not Call Registry.  It is, but sometimes telemarketers call anyway.

Since this call was from a "866" number, I was pretty sure it was a telemarketer, and I was pretty sure they wouldn't leave a message.  But they did.

The message was a voice synthesizer that read a message.  It said that my Windows license on my computer was expiring soon and that I should call the toll free number to renew it.

I decided to get right on that.  Of course I wasn't going to call and pay to renew my Windows license- this was obviously a scam.

I'm pretty sure the scam involves convincing people that their computer is about to become a useless paperweight unless they give their credit card number over the phone and pay $99 (or who knows how much) to renew their Windows license.  Windows licenses don't expire like that, and I'm sure the folks calling have no idea who I am or what kind of computer I have.

I mentioned the call to my son and he was pretty excited about giving them a call to find out more about the scam and to give them a hard time if possible.  My son gives me a hard time sometimes, and he likes me.  If I were a telemarketer, I wouldn't want to get a call from him...

We went in my son's room and closed the door.  We put the phone on speakerphone and set up another phone with a voice recorder app to record both sides of the conversation.  We talked about maybe saying we have a Mac or Linux computer and seeing if they would still try to take our money for a "Windows license renewal".

With the recorder rolling, we dialed the number from the scam voicemail.  But the toll free number in the spam message had already been disconnected.  This scam was so blatent that it must have been busted quickly.

Since I wasn't able to bust this scammer myself, I thought I would at least publish some tips to help everyone avoid phone scams.  This is my way of giving him a hard time since I couldn't reach him on the phone...

Here are some tips on cutting down on scam calls and telemarketers:

• Register your number on the Federal Trade Commission (FTC) National Do Not Call Registry.  This doesn't stop all telemarketing calls, but I think it cuts down the number of calls significantly since it is illegal for telemarketers to call if you are on the Do Not Call List.
• If you do get a junk call, tell them to put you on their do not call list and hang up.
• If you don't recognize the number of an incoming call, let it go to voicemail.  Most telemarketers don't bother to leave a message.
• If you aren't sure whether a call is legitimate or not ask the caller to send their offer or request to you in the mail.

Penny Pincher Journal

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Can You Get Rich Selling Used Skis?

Today I made my way to the used sporting goods store to sell some old skis I found in my garage.  In yesterday's post, I ran through my thought process as I decided where to sell the skis.  The big question for today is:  How much would I get?

Can You Get Rich Selling Used Skis?

The skis were made in Austria and seemed to be in good condition, but I had no idea how much they were worth.  I briefly searched on eBay to get some idea of how much they could sell for, but I didn't find anything similar.

So this was going to be somewhat suspenseful.  I realized that the skis were pretty old- but maybe that would be a good thing.  Maybe they were collectible, or maybe even antiques.  Perhaps I would get really lucky and find out that I was the owner of some really valuable skis...

I carried the skis into the Play It Again Sports shop.  The man at the counter had me fill out a standard form with my name and address.  While I filled that out, he measured the skis and checked out the locking mechanism on them.  It was clear he knew how the skis were supposed to work.

I finished filling out the form about the same time he finished examining the skis.

"Okay," he announced.  I knew that the big reveal of the value of the skis was about to happen.  It reminded me of Antiques Roadshow where people take old items in to be appraised and are sometimes pleasantly surprised when the value turns out to be really high.

"I have a lot of skis and there hasn't been much snow, so I'm going to offer you store credit," he began.

This was not very encourgaing, but I was curious to know how much store credit we were talking about.

"Okay," I said.

"I would sell these for $20.  They are an older style with a gravity-operated mechanism, but it still works.  I can give you 40% of the price, $8 in store credit," he said.

This was not the big payday I was hoping for!  I told him I wanted to think about it for a minute.  I walked over to the ski section and did in fact find similar skis priced at $20.

I decided that I didn't want the skis, I would never use them and they were taking up space in my garage.  It seemed that the price he came up with was reasonable based on looking at the other skis for sale.  If I could get $8 that I could use to pay for a birthday present for my kids, or bicycling gear, etc. then I should go ahead and sell them.

I walked out with a $8 store credit certificate in hand.

It pays to sell unneeded items instead of throwing them away.  I got something for the skis, someone else will get to use them, and the store will make a little bit of money and stay in business.  It seems like everyone gets a (small) win.

Penny Pincher Journal

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Where To Sell My Old Sporting Goods?

How Can I Get the Most Money for My Used Sporting Goods?

Where Should I Sell My Used Sporting Goods?

When cleaning out my garage, I came across an old pair of cross-country skis that came with the house when we moved in.  These skis seem to be in good shape, but appear to require some kind of special shoes to use them.  Since I do not have this kind of shoes and have no plan to get special ski shoes, it is time to sell the skis.

So the question of the day is:  What is the best way to sell my old skis?

Of course, I want to get as much money as possible for the skis.  Also, I would prefer something quick and easy rather than slow and painful.  Here is what I am thinking-

I could list the skis for sale on craigslist, but I have no idea how much to ask for them and I couldn't answer any questions about them.

I could list the skis for sale on an eBay auction.  This would solve the problem of not knowing how much to ask for them.  But if they sell, I would have to deal with shipping a large item.  This seems like a lot of trouble.

I could take the skis to a local auction house to avoid shipping.  But it would probably cost me more to drive there than I would get for the skis.  Most people go to the auction to buy things such as tools, furniture, and antiques.

I could take the skis to my favorite consignment shop.  Again, the problem is that almost no one goes into the consignmet shop looking for skis.  Although there is a small sporting goods section in the store, most people buy housewares, furniture, and clothes at the consignment shop.  I fear my skis would sit on the shelf until summer and then sell for a very low price...

So a good place to sell the skis would be a consignmet shop where people go to buy sporting goods.  Fortunately for me, there is such a place:  Play It Again Sports.  They buy used sporting goods to resell.  And "skis" is on their list of desired items since it is still winter.  According to their website, they will pay cash for used sporting goods, or you can sell items on consignment.

I have the skis loaded up for a trip to the Play It Again Sports store that is not too far out of my way.

The best place to sell used sporting goods depends on the item and how much you know about it.  In this case, I decided to give a used sporting goods store a try.

Stay tuned to see how much I get for my old skis...

Penny Pincher Journal

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Car Stereo Upgrade FAIL

Sorry for the false alarm, but I decided to return the car stereo I bought to upgrade my older car.  How did such a great plan fail?

Car Stereo Upgrade FAIL!

The plan was that I would drive my wife's newer car (which had a modern stereo with bluetooth, XM, etc.) and she would drive my older car instead of buying a different (and likely newer and more expensive) car to drive.

The only problem was that she was not excited about the old school radio.  She would miss her XM satellite radio and streaming songs from her phone via Bluetooth.

Fortuately, the shortcomings of an older car radio are a pretty easy problem to solve by replacing the old radio with a new one.  For around $120 you can get a fancy new car radio with a USB port that supports Bluetooth streaming.  For about $80 more, you can add an XM satellite radio receiver.  Throw in about $100 more for cables and installation, and you can make an old car seem a lot newer.

So why did I decide to return the car stereo and get my money back?  The first problem was that the buttons on the steering wheel would no longer work.  It would cost over $100 extra to hook them up, so we decided to skip that feature.

The next problem was the total bill for the radio and installation was around $350 with taxes, fees, etc.

From my perspective, the new car radio wasn't really an upgrade since I listen to music on CDs:  the old radio had a 6 disc changer and the new radio only held 1 disc.  Plus, the steering wheel buttons would no longer work.

After further review, we decided to skip upgrading the radio.  My wife will continue to drive the newer car and I will continue to drive my older car.

This reminds me a lot of going with "Option 1" for my computer upgrade.  As you may remember, I decided to do nothing and not upgrade my computer.

Now I have decided to do nothing and not upgrade my car radio.  Do you sense a trend here?

Penny Pincher Journal

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Make Your Small Desk Seem HUGE

One of the ways I have been able to save money is by having less stuff.  Less stuff not only saves you the cost of buying the stuff, but also saves you the cost of paying for space to store your stuff.

Make a Small Desk Space Seem Like a Huge Desk!

In the bad old days when I had a lot more stuff, I also had a lot more stuff on my desk.  I had stacks of papers and equipment all over.  It didn't really matter how big my desk was, because it was covered with stuff anyway.

The past few years, I have applied the principles of having less stuff to maximize my desk space.  Over the years, I have downsized from having a large desk to having almost no desk surface now- yet I am more productive than ever.

How do I do so much with almost no desk space?

In my latest article published on Wise Bread, I lay out 11 ways to make a small desk space seem like a huge desk space.

Penny Pincher Journal

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Avoiding a Fleecing at Sport Clips

I Avoided a Fleecing at Sport Clips!

As you may know, I went 8 years without paying for a haricut at a barbershop.  I bought a $25 pair of buzzers so I could get all the free haircuts I want.  My winning streak came to an end this summer when I paid $12 plus a $3 tip at the local barbershop.  In my defense, I was tricked into going to the barbershop.

After about 6 months and one more DIY haircut with the buzzers at home, I was ready to go to a professional again.  They can do things in the barbershop with scissors that I can't do myself with the #8 buzzers.

Ready for another sharp haircut, I went to the nearest shop- a Sport Clips- and gave my information at the counter to get in line for a haircut.  While waiting, I remembered that waiting was one thing I didn't like about getting a haircut at a barbershop.

Next, I spotted the price board.  The lowest cost haircut was $18.  This was before a tip.  Since this was a pretty fancy shop, I am sure a pretty fancy tip would be expected.  This would put the total damage north of $20.

Plus, since this was a sports-themed shop, I imagined that the barber would try to make small talk about sports during the haircut.  This would be rough since I don't get many TV channels and don't really keep up on sports.

Enough was enough.  I fled.

I quietly gathered my coat from the coat rack and slipped out the door.  I figured they would simply call the next person waiting a few minutes early.  No harm done, and I would save $20+ dollars and most of my lunch break.

This experience got me thinking... How much money would I need to have right now to get haircuts for life?  Let's say I get a haircut once every 3 months at $15 per haircut and I plan to get haircuts for 40 years.  That works out to $2400.  If I had $2400 in a "haircut envelope", I could get haircuts for the next 40 years.

What if I put the money in something with a better rate of return than an envelope?  Let's say I were to put a sum of cash into a fund that averages a 4% rate of return.  How much cash would I need now to get haircuts for life?  The answer is provided using a annuity calculator.  I used an annuity calculator from bankrate.com.  The total works out to $1191.69. 

Of course no one knows what the rate of return will be over the next 40 years.  Plus, the price of haircuts is likely to go up over time due to inflation.  As a matter of fact, the price at my local barbershop went up 50 cents after the first of the year.

Looking at big numbers like $2400 and even $1200 for haircuts makes me think I should stay on course and keep using the buzzers at home for free.

I am not sure if I will cut my hair at home every time, but I am pretty sure I won't go back to Sport Clips.

Penny Pincher Journal

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My New Car (Radio)

My 12 year old car has about everything I want- except for one thing.

It has 4 wheel drive, heated leather seats, sun roof, allow rims, rides great, and runs great.  What else is there?  It lacks a modern radio.  It does have a quality sound system with JBL radio which was top of the line in 2005.  But the OEM radio doesn't have a auxillary input, Bluetooth input, or XM radio.

My Old Car Radio Is Getting an Upgrade

Why does this matter?  My wife was looking at new cars that have a modern radio with these features, but has decided to drive my old car instead.  But what about the radio?  She wants to be able to listen to XM satellite radio and stream podcasts and music from her phone.

The good news is that you can buy a new radio with all of these features for under $200.  The new radio also has a USB port for charging and for receiving streaming music from a phone.  Add another $100 or so for installation and cables, and she's all set.

The Replacemet Radio with Bluetooth, USB, CD player, and Adjustable LED lighting effects

Of course, it would be less expensive to skip getting a new radio.  But spending $300 to fix the one thing wrong with the car seems like a good investment to make the old car more enjoyable reduce the risk of ending up buying a newer car which would cost over 100x more than upgrading the radio.

XM Receiver Module for Radio Upgrade

I haven't looked into this yet, but I might even be able to sell the old JBL radio with 6 disk CD player.  Why would anyone want to buy an old car radio?  Someone who has upgraded the radio in their car (like I am doing) may want to take out the upgraded radio when they sell the car.  I can use any proceeds from selling the old radio to offset the cost of the new radio.

I can't wait to get the new radio installed!  This reminds me of when I was 16 years old and installed a new stereo in my car with a cassette tape player and FM stereo.  This was a big upgrade to the original AM radio that came with the '81 Plymouth Horizon.

If you want to extend the life of your older car, upgrading the radio can be a cheap way to enjoy driving it for years longer and save money over buying a newer car.  The radio is one of the easiest tech items to upgrade.   I have been using my 10 year old Garmin GPS unit that attaches to the windshield with a succion cup, so it has a navigation system too.

Stay tuned for an update on how the car radio upgrade works out.

Penny Pincher Journal

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Too Much Money- My Problem Today...

Today I had an unusual problem.  I had too much money.  Allow me to explain...

When I pay cash for something and get change, I put the change in the center console of my car.  So there is a small amount of change flowing in every month.  But I almost never take change out and spend it.  It just slowly accumulates and fills up the space in my car.

I rounded up the change and put it in a big jar to take to the bank.  Here's a challenge for you:  look at the photo and try to guess how much change is in the jar...

How Much Change Did I End Up With In My Car?

Thankfully, my credit union has an automatic change counting machine.  You just dump the change in and the machine counts it.  The entire jar of change took only about a minute to count, and it was fun to watch.

Automatic Change Counting Machine

Turn Your Change into Bills the Easy Way

At the end of the process, you get a ticket printed out that you take to the teller window.  You can have the money deposited into your account, or you can get cash.

So how much change did I have?  $112.09!

If you are not a member at the credit union, it costs you a 10% fee for using the machine.  Fortunately, I did not have to pay the fee.  There are other automatic coin counting machines such as Coinstar at places like Walmart, but these machines also charge a fee to use if you want to get cash.  The current Coinstar fee is 10.9%.

My advice is to take your change to your bank and have it counted for free using an automatic change couting machine.  Hauling around about 10 pounds of change in my car wasn't doing me any good.  Now I have the change in the form of bills that I will actually use, and I didn't have to pay a 10% fee or spend a lot of time counting change.

Seeing the change build up over time and become a sizable amount of money is an interesting phenomena.  The flow rate of the change coming in exceeds the flow rate going out, so the total is going to grow.  This happens even without the benefit of compounding that you get from investments.

This is a nice reminder of the power of saving small amounts of money over time.

Penny Pincher Journal

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Who Buys This Stuff!?

I figured out why someone would buy a $198 sweater... and to my surprise, it makes sense now!

Today I was walking around the mall, mostly for exercise.  The windchill was below zero at noon, and I didn't feel like walking outside.  For some people, spending time in the mall would be a risky venture due to the risk of spending money, but it is pretty safe for me.

One of the few things I am at risk of buying is the clearance winter clothes that go on sale in the spring for up to 90% off, and maybe another clearance hat for my collection.

Clearance Hats Are A Weakness For Me!

I wandered into a nice store that I have only gone into a few times before.  I looked around just for fun, and saw a friendly sign inviting me to "Please touch the merchandise..."

Please touch the merchandise... you'll love it!

I have read that you are much more likely to buy something if you touch it.  I guess that makes sense... there is no way you can buy something if you don't touch it-how can you carry it to the checkout!  So naturally the only way you are going to buy something is if you touch it at some point.

I decided to take my chances and touch some nice sweaters they had on sale.  Very nice indeed.  But wait a minute, how much is that sweater!

This is what a $198 sweater looks like!

The sweater was originally priced at $198, marked down to $133.  While I do appreciate a good markdown, the price had too many digits in it for me either way!

It was a fine sweater, but what about it would make someone pay 5 to 10 times more for that sweater than a different one?

(Awkward silence)

Oh, you were expecting me to answer the question...  Well, I don't really have a solid answer since I really don't know who buys this stuff.   Here are my best guesses:

• Maybe the brand (which I didn't recognize) carries a lot of value to fans of that brand.  
• Maybe people see shopping at a fancy store as a form of entertainment that is more exciting than shopping at less expensive places.
• Maybe people are willing to pay a lot for something expensive to impress other people with their affluence or to make themselves feel better than other people.
• Maybe the sweater was made out of some sort of expensive material like cashmere (I didn't touch the sweater that much to check).

As I read my list of reasons I thought someone might buy a really expensive sweater, I realized something funny.  There are people who wouldn't understand some of the things I buy.

I recently bought a "golf jacket" on clearance for $41.  It is really sharp looking and I plan to wear it to work a lot instead of the cheap clearance fleece I used to wear that my family is so embarrased of.

I am sure some people would not be able to understand why I would spend $41 on a new jacket.  Why not just keep wearing the $13 clearance fleece (even though it is chartreuse green and people at work thought I could win the ugly sweater contest wearing it)?

• Did I buy my new jacket because of its fancy brand?  I can say no to that one, I don't even remember what brand it is.
• Did I buy my new jacket as a form of entertainment?  I would say maybe a little bit to this one.  It was fun trying it on with my family encouraging me to buy it.  OK, so I am probably guilty of this one.
• Did I buy my new jacket to impress other people or make me feel better about myself?  OK, you got me there too.  Yes.    The main reason I bought it was so I would look more expensive and less like a homeless person when I went to work.
• And for the last one, did I spend a lot on my new jacket because it was made from an expensive material?  Nope- 100% polyester!

My point here is that people buy really expensive stuff for mostly the same reasons as you buy the stuff that you buy.  The only difference really is the number of digits in the price tag.

So that stuff that you buy and think is "normal" may seem really fancy to someone else who would struggle to understand why you buy it.


Enough deep thoughts for today.  Now it's time to leave the mall and go out in the cold to my car.  Good thing I'm wearing my really warm new jacket!

Penny Pincher Journal

Copyright © 2017 by Dr. Penny Pincher.  All Rights Reserved.  Privacy Policy

You Gotta Check The Clearance Rack...

Today I came home to find the doors to the solarium open after dark on a cold day.  That isn't how you use a solarium.  You are supposed to open the doors when the sun is shining to provide free passive solar heating to the rest of the house.  So why were the solarium doors open?

My wife was eager to show me something new in the solarium.  She had hung some very nice looking curtains alongside some of the windows.  They were extra long 96 inch curtains and looked great in the space.

"Looks awesome!" I said as I was facing her and looking at the curtains hanging behind her.  It probably wasn't clear whether the complement was meant for the curtains or for her.  That's OK, both looked awesome.

The next thing she showed me was even more awesome- the price tag!  The curtains were regularly priced at over $45 and were marked down to under $8.

Clearance curtains from Target!

"You gotta check the clearance rack," she said.  "You never know when you'll find something good."

Sound advice indeed.

There was another great purchase in the solarium- a lamp that Mrs. Penny Pincher found at a thrift shop for only $2!

This is a nice looking, sturdy lamp that is probably from a hotel.  I like that it has the button to turn it on and off on its base where it is easy to reach.  And it is really heavy duty and will probably last forever.  Plus it was only $2 on clearance at the thrift shop.  Did I mention that it was only $2?

$2 Hotel Lamp from the Thrift Shop

"Beautiful!" I said as I looked at the lamp on the table behind my wife.  Again, it was probably not clear which I was complementing, but that's OK.

Gotta check those clearance racks!

Penny Pincher Journal

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Go With Option 1

If you read my last post, you'll know what the following cryptic statement means:
I'm going with Option 1.

I Am Not Buying A New Computer...

My old laptop is nearing (or past) the end of its useful life.  I considered several options to replace it ranging from a tablet computer, a Chromebook, a Windows 10 laptop, and even a Microsoft Surface.  I threw out an other option just in case:  Option 1.  Option 1 means to do nothing.  While this option does not improve my computer situation, it is the least expensive.  That, of course, is the only reason to go with Option 1.

What does this mean for you, a reader of Penny Pincher Journal?  You may have noticed that I haven't posted in a few months.  I was pretty frustrated with my computer and I was planning to get back to work on the blog after I got a better computer situation.  I also got distracted by some paid freelance writiing opportunities and ended up getting articles published on places like Time.com, Kiplinger, Business Insider, etc.

But now my computer situation is resolved in a sense.  I have decided not to get a new computer.  I went to Best Buy about five times, and looked around on Amazon and Ebay many nights to check out computers, and decided that a Microsoft Surface would be just right for me.  But in the end I decided not to spend that much money.  I just couldn't bring myself to borrow money and make payments on a computer when I have so many other bills to deal with.

Typing articles on a cell phone is possible.  I timed myself typing a passage of text on my cell phone and found that I can type about 20 words per minute.  This is about half as fast as I can type on a computer keyboard.

Back in May, I found myself on the road with an article due and only my cell phone with me.  I bought a bluetooth keyboard for about $20, so I can type articles on my phone with a keyboard.  That gets me back up to around 40 words per minute.  And my old laptop still sort-of works.  So I have some options to keep working that don't cost anything.

I am going to try to get back to work on Penny Pincher Journal using the equipment I have.  Sure it would be nice to have a newer computer, but I am not going to wait for a year (or more) to be able to do anything.

I think the point of this post is not to overlook the benefits of Option 1 (Do Nothing).  I can avoid spending money and keep doing everything I want to do, even if it is not ideal.  But nothing is really ideal anyway.

When you face a decision of whether to spend money or not, don't forget Option 1 - do nothing...  Sometimes this is the best option, especially if you make the best of it.

Penny Pincher Journal

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