Monday, October 24, 2016

Cheap Computer Options: Laptop vs. Tablet vs. 2-in-1 vs. Chromebook


What To Do About A Slow Computer


Here I am waiting for the screen to update on my ancient computer...

Skeleton using a slow computer
My Computer is So Slow...
Image Source: Dr. Penny Pincher

My first dilemma was figuring out how to spell "dilemma"...

But the real dilemma I am facing is what to do about my aging laptop computer.  I bought it in 2008, or maybe 2007.  It was so long ago that I don't remember.  It sports an Intel Centrino processor and runs Windows Vista.  I don't think runs is the right word, it is limping Windows Vista.  I have kept it going for so long by keeping the hard disk optimized, cleaning up the Windows registry, sweeping for malware, and keeping my anti-virus software up-to-date.

Recently I started getting warnings from my Chrome browser that Windows Vista is no longer supported and Chrome will no longer be updated.  This means that any newly discovered security vulnerabilities will not be fixed.

Even before this news about Vista no longer being supported, I was thinking about getting a different computer.  It takes almost forever to scroll down a page.  I sometimes get out my phone and read articles while waiting for the browser page on my laptop to scroll down.  I replaced the battery about 5 years ago, but this battery is now down to about 5 minutes of capacity after unplugging.

I mentioned that I look at web pages on my Android phone because it is a lot faster than my computer.  I even bought a $20 Bluetooth keyboard so I could use my phone as a sort of home-made Chromebook.  I have written several blog posts and even one of my articles on Wise Bread using my phone.  I like the portability and long battery life of my phone, but the screen is quite small.

Here are some options I am considering to solve my computer dilemma:

Option 1: Do nothing.  Sometimes not expending time and effort is the best option.  I have gotten this far with my old computer, why change now?  This option would cost nothing, but I would be left trudging along with a very old computer (see photo above).

Option 2: Switch to my phone.  I mentioned that my $20 Bluetooth keyboard with my Android phone works pretty well, except for the small screen.  I could just stop using my computer and use my phone/keyboard combo instead.  This is another zero cost option since I already have the keyboard.  But the screen on my phone is so small that I think my productivity would take a hit.

Details about how I made a "Chromebook" for $20.


Option 3: Get a Chromebook.  A Chromebook is a laptop that runs Android operating system.  It is basically like a tablet with a permanent keyboard.  Chromebooks have a small solid state memory rather than a spinning hard drive.  This makes Chromebooks better able to survive being dropped, but the storage capacity is much less than with a hard drive. The cost is under $200.

Chromebooks are also known as "netbooks" because they use cloud storage and apps running from the Internet in a Chrome browser window rather than having everything installed locally.  If you are interested in basic e-mail and web surfing, this may be the lowest cost option.

Option 4: Get an Android tablet.  For around $150, I could get a 10 inch tablet that would be a lot bigger than the screen on my phone.  I could use my existing Bluetooth keyboard with the new tablet.  My biggest concern with this option is that the relatively low memory and processing capability of an inexpensive tablet would quickly become obsolete.  My very cheap 7 inch Android tablet that I bought a few years ago ended up hanging on the wall of my garage running a clock app because it was too slow for much else.  It makes a nice clock, though...

Android Tablet Wall Clock
My Android Tablet Wall Clock
Image Source: Dr. Penny Pincher


Option 5: Get a 2-in-1.  What's a 2-in-1?  This is a relatively new computer form factor that is essentially a laptop computer with a touch screen that allow it to function as a tablet computer too.  You can use it like a laptop, or you can flip the screen completely flat against the back of the keyboard and use it like a thick tablet.  Some models have detachable keyboards- Microsoft Surface is one such model.

Many of these 2-in-1 machines have powerful processors, abundant RAM, and run Windows 10.  I like the idea of being able to run the same types of software that I can run on my laptop now, but the price tag runs $500 to over $1,000 depending on the processor, memory, and screen quality.  The surface has a stylus so you can write on the screen which is cool, but I am not sure how much I would really use that feature.

Microsoft Surface Pro 4

Option 6: Get a newer Windows laptop.  I could skip the touch screen and just get a simple Windows 10 laptop with plenty of memory and processing power for what I do for around $500.


So what is the best option to replace an outdated computer?

I haven't made up my mind about my computer dilemma yet.  As I was typing this on my old laptop, I wanted to open up one of my articles to find a picture, but gave up after 5 minutes of waiting for the screen to load.  Option 1 isn't looking good...

Since I do make income blogging with my computer, I wouldn't feel too bad about spending a little money to boost productivity.  Stay tuned to find out how I resolve my computer dilemma!


Copyright © 2016 by Dr. Penny Pincher.  All Rights Reserved.  Privacy Policy

Tuesday, October 4, 2016

A Cheap Bike... Your Ticket To Great Adventure

Cheapcycle (Cheap Bicycle): Biking For Almost Free

Break Away with a Cheap Bike
Break Away with a Cheap Bike
Image Source: Dr. Penny Pincher

The other day, I had the day off from work with no particular plans.  I ended up going for a 4 hour bike ride along the lake near my house.  This was a really fun way to spend an afternoon, plus it was almost free!

My bike is a 1972 Schwinn that my father gave me.  I am sure someone paid for it somewhere along the line, but I was happy to get it for free!  I did spend about $25 to outfit it with off-road tires for riding on trails along the lake.  I added an LED headlight/tail light for $15, and I ride with my $15 bike helmet.

My son gave my some biking gloves for my birthday last year which are great for long rides.  I have some lightweight shoes that I wear for cycling- I got these for $25 for my son about 4 years ago, but I ended up wearing them myself.  Now that the shoes are wearing out I try to save them mostly for bike riding.  

I have a nice Camelbak water bottle that the team at Wise Bread gave me as a gift one time.  I paid $8 for a fanny pack to carry my keys and cell phone while I ride.  Me wearing a fanny pack looks as ridiculous as it sounds, but things tend to fall out of my shorts pockets while I ride and hike...

As you can see, I have some pretty nice biking gear for almost free that allows me to go on virtually unlimited adventures.


Even if you aren't lucky enough to have someone give you a classic bike, you can find good bikes for cheap or even free.  I bought a 1983 Schwinn Caliente that I found for sale on someone's front porch.  I wanted a cheap bike to keep at work so I could go for a ride at lunch time.  The asking price for the bike was $35, but I bargained the price down to $28 since this was how much I had in my wallet.  After riding the bike for several years, I sold it for $35.

Check out cycling as a cheap hobby and good way to get exercise.


Copyright © 2016 by Dr. Penny Pincher.  All Rights Reserved.  Privacy Policy

Friday, September 30, 2016

Why You Should Use Credit Cards...

Is Using Credit Cards a Good Idea?

Yes, if you do it right...

Why using credit cards is a good idea
Why Using Credit Cards Is a Good Idea

One of the most controversial topics I have covered on my blog or in my books about saving money is credit cards.  Apparently suggesting that people use credit cards seems like bad financial advice!

I agree that using credit cards to buy things you can't afford can lead to financial disaster.  Even if you can make the minimum payment on a credit card balance, it can take around 20 years to pay off a credit card debt!  Over this time, the interest charges keep on piling up and you end up paying a very high price for whatever it was that you charged 20 years ago...

But that is not how I suggest using credit cards as part of a smart personal finance strategy.  I merely suggest taking advantage of the perks of using credit cards without paying anything.  How can you do this?  Easy- just pay your balance in full every month (or actually more like 25 days with most cards now).

For example, I was at Target with my wife buying some grocery items.  My wife had enough cash in her purse to pay for the items.  I had enough cash in my wallet to pay for the items.  But I whipped out a credit card to pay.  Why!?

Because I could save 5% off my purchase by using my Target card.  When the Target bill comes, I will pay the balance using the electronic bill pay feature from my credit union.  The result is that I just saved 5% and it didn't cost me anything.

I do the same thing at Lowes by using my Lowes credit card to save 5% on everything I buy there.  As long as you don't buy more stuff than you otherwise were planning to buy and pay your balance every billing cycle, you really do save 5%.

I sometimes use a credit card with rewards to make other purchases.  With the rewards on my credit card, I can get pretty much anything I want from Amazon for free.

So when I say to use credit cards, I mean to use them to save money- not to spend money!

Here is one of my statements about using credit cards that caused a kerfuffle:
Tip 15: Use Credit Cards


Copyright © 2016 by Dr. Penny Pincher.  All Rights Reserved.  Privacy Policy

Wednesday, September 21, 2016

What To Do When the Store Won't Accept a Return

You Can't Return That!

Difficult Store Return
Some Stores Make Returns Difficult!
Image Source: Dr. Penny PIncher

Yesterday after school, my teenage son went on a shopping trip without any parental supervision to buy some clothes for an upcoming school dance.  He also picked up a pair of casual canvas shoes for $15.

I thought the dress clothes were sharp, high quality items, but I was immediately skeptical of the shoes.   They seemed cheaply constructed and I wondered how much he would really wear them.

As my son was showing me the clothes that evening and removing the tags, I suggested he keep the receipts and tags from the clothes handy in case he wanted to return anything.

After he tried on the shoes again, he realized that they were a size too small and he didn't really need them anyway.

The next morning I took the shoes back to the store to return them for him since he was at school.

It was a small store at the mall, with a single cash register and no separate area to return things.  I pulled the shoes out of a bag, and the cashier said, "Footwear is not returnable."  She gestured toward a sign that said something to this effect to reinforce her point.

At this point, many people would probably accept being out $15 and being stuck with an item that is useless to them.

"I see," I said.  "Fortunately these haven't been worn yet."

The cashier sized me up and decided that a return was in order.  After explaining that she would make an exception to policy and do the return,  she took the shoes and gave me $15.

I think returning the shoes made sense for everyone involved.  The shoes were in new condition, never worn.  The store would be able to sell them again at a profit.  I had no use for the shoes and would have tried to sell them at a consignment shop and perhaps gotten a few dollars for them which would have been a waste of time and money.

Of course this experience made me think of a few lessons I could highlight for my son:

  • Double check the size of clothes and shoes before buying
  • Also check for any defects such as stains, rips, or missing buttons
  • Hang on to receipts and tags for new clothes in case you need to return something
  • Use common sense rather than following store policies that are designed to maximize profit and convenience for the store
  • Politely explain the situation about your return and find someone who has authority to make a decision

This store return actually went relatively smoothly.  I spent a lot of time this summer working to get replacement plants from a mail order garden supply company.  Some of the plants I received were dead on arrival and I asked for replacements.  The initial response was that I needed to have the original invoice from the shipping package to get a return.  Of course, I had thrown away the packaging from the plants long ago.  It took weeks of writing back and forth to finally get replacement plants.  It would have saved everyone a lot of hassle if the company had a more reasonable return policy...

A few years ago, I bought a tree from a local store that didn't make it.  Good news:  the tree had a 1 year warranty.  Bad news: I couldn't find my receipt.  After several attempts to take the dead tree back and even working with the home office of the store to search through transaction records, the store manager finally went ahead and refunded my money even though my receipt was never found.  I walked directly to the garden department, picked out a replacement tree, and carefully filed the receipt away this time.

I think a couple additional lessons for me about returning items are:

  • Keep track of receipts and invoices, especially for items that might be returned a long time later!
  • If you have a legitimate issue with an item, don't give up on trying to return it


Copyright © 2016 by Dr. Penny Pincher.  All Rights Reserved.  Privacy Policy


Saturday, August 20, 2016

Can I Do Plumbing Myself?


Can I Do Plumbing Myself?

Let's go to the mailbag today for a question from a reader:

Do Plumbing Yourself and Save Money!
Image Courtesy of Pixabay
"Dear Dr. Penny Pincher, 

Read your article on updating older home inexpensively. Interesting and informative article. 

One thing that we need to do in our older home is to replace the bathroom sink pop up drain. Ours is old and discolored while the sink is old but in good shape. 

Is it difficult to do for someone with no plumbing experience??? Our plumber has a minimum charge which is expensive. Thank you"

Thanks for mentioning my article on cheap ways to update an older home!  As you may know, I am a staff writer at Wise Bread and my articles are syndicated on sites including time.com, Kiplinger, Christian Science Monitor, Money Magazine, and other top sites around the nets.  You can read the article 19 Frugal (And Easy) Ways To Upgrade An Old Home at Wise Bread.

In this article, I mentioned a couple plumbing-related upgrades, including replacing a bathroom sink and replacing a kitchen sink.  These projects involved working with both plumbing supply lines and the drain lines too.  Actually, the kitchen sink was an even bigger project than I indicated in the article.  We tore out the cabinets and cut off the copper supply pipes about a foot off the floor and rebuilt everything from there.

I agree that plumbers are expensive.  I have been billed around $75 to $100 per hour for plumbing.  Sometimes plumbing companies send more than one plumber, and you get billed even more for that.  That is why I started figuring out how to do plumbing myself years ago.

The biggest problem with doing your own plumbing is leaks.  I think everyone's first few plumbing projects are likely to leak.  A leaky drain is less of a problem since it only leaks when you turn on the water.  A leaky supply is much worse since that can leak all the time.  The damage can range from water stains up to serious water damage.

The key to doing your own plumbing is to check for leaks and keep re-doing it until it doesn't leak anymore.  If you can't get it to stop leaking yourself, you'll need to call a plumber.  If you don't want to mess around with checking for leaks and re-doing things you might be better off just calling a plumber right off the bat.

But with practice and experience, your plumbing work is less likely to leak.  And if it does leak, it gets easier to figure out why and solve the problem.

The next biggest problem with doing your own plumbing is lots of trips back and forth to the store to try to find the right parts.  There are so many sizes and materials that it sometimes takes me a few tries to get the right parts that fit together correctly.  Often, it is hard to know exactly what parts you need until after you have taken apart what you are working on.

Even with all of the hassle of doing plumbing yourself, you can save a lot of money if you are patient and careful to do the job right.  I like to do my own plumbing whenever I can.

Changing a pop-up drain should be a pretty simple project.  This only involves the drain, so if it doesn't work out, you can avoid any leaks or damage simply by waiting to use that sink until everything is working right.

I would start by reading some articles about how to replace a pop-up drain.  I have an old Bob Vila home improvement book that I like to read before starting a new project.  You can also find articles like this one on the interenet:  How to Replace a Pop-up Drain.

It looks like you need to replace a bit of the drain assembly below the sink as well as the pop-up fixture that you can see from above the sink.  I would carefully disassemble the parts and then take the parts you removed into the home improvement shop to find suitable replacement parts.  If it doesn't work out for some reason, keep the receipt and you'll be able to get your money back or get different parts.

Best of luck!

Dr. Penny Pincher



Copyright © 2016 by Dr. Penny Pincher.  All Rights Reserved.  Privacy Policy

Tuesday, July 12, 2016

Are You Headed For A Debt Crisis?

Guest Post

Today I am excited to introduce Gary Foreman who is the creator of The Dollar Stretcher.com.  The Dollar Stretcher is one of top personal finance sites on the internet in terms of traffic and prestige and has been running since 1996, which is basically forever in internet years!  Thanks to Gary for providing this wisdom on avoiding a debt crisis and finding the way out of debt.

I am proud to have one of the top personal finance publishers on the internet write a guest post for my blog.

Without further ado, here's Gary:


“I don't really have a debt problem. Right?”

Do You Have A Debt Problem?
Do You Have A Debt Problem?
Image Source: https://pixabay.com/en/photos/download/frog-1367440_1920.jpg

We all know the story about the frog and boiling water. If you turn up the heat gradually the frog won't pay attention and will eventually be boiled. The same thing is true of debt. You'd never borrow $10,000 with nothing to show for it. But adding $100 or so to your credit card balance each month doesn't seem like a problem. Until the water starts to boil...

So how can you tell if like the frog, you debt is slowly killing you? We've come up with a list of indicators that it's time to be concerned about your debt. Review the list below and see if any of these apply to you:

If your credit card balance is over $10,000 and rising
If, after paying your bills, you don't have enough for your day-to-day living expenses (i.e. food, gas, etc)
If you've been late paying your rent or mortgage more than once in the past 12 months
If you're afraid to total up all your debts because you don't want to know how much you owe
If you've been hiding some debts from your mate
If the amount you owe on credit cards and personal loans is increasing each month
If you use a cash advance on one card to make a minimum payment on another
If the interest rate on your credit card increases to the upper teens or higher
If you have to choose which bill you'll pay late this month
If your credit card balance is more than 50% of your credit limit
If you've been rejected lately when you applied for a new credit card or personal loan
If you've paid overdraft fees twice in the last 3 months
If your credit score has dropped more than 25 points in the last 6 months
If the total that you pay in credit card minimum payments, student and personal loans totals more than 10% of your take home pay
If your mortgage is more than 30% of your take home pay
If car payments are taking up more than 15% of your take home pay
If you find that you don't have any money left at the end of the month to add to an emergency fund or retirement account

The Price You Pay for Being In Debt

Before you decide to do something about debt, you need to recognize what that debt is costing you. We've listed a few of the prices you pay for being in debt.

Higher interest rate for credit cards and personal loans
Some loans are not available to you
Higher auto insurance rates
Money spent on interest cannot be used for other things
Higher rate for home mortgage or home equity line
Lower credit score
You can't control how much you spend for past purchases each month

Is It Time to Take Action?

If you checked any of the problem indicators or find that you've suffered any of the costs of being in debt you have a choice to make.  You can continue to pay an ever increasing price for your debt and hope that eventually you don't lose everything in bankruptcy. Or you can take action to free yourself from it.  You can improve your penny pincher skills, and prioritize your bills. The choice is yours.


About the Author:
The Dollar Stretcher has been helping people "live better...for less" since 1996. Their free Dollar Stretcher Debt Course will introduce you to the tools you need to get out of debt. Sign up for their free weekly newsletter “Surviving Tough Times”. Each issue will show you ways to save money that can be used to reduce your debt burden. You'll also find at least one article specifically related to getting out of debt.


Copyright © 2016 by Dr. Penny Pincher.  All Rights Reserved.  Privacy Policy

Tuesday, July 5, 2016

My First Haircut in 8 Years... Why?

My First Haircut in 8 Years!


My first haircut in 8 years
My First Haircut in 8 Years!
Image Source: https://pixabay.com/en/hairdresser-haircut-kid-659145/

For most people, I don't think getting a haircut is very exciting, but for me it was a big deal.  Today I had my first haircut in 8 years!

I have been cutting my hair at home to save money since the big economic downturn in 2008.  I needed to find some expenses to cut and haircuts for me was one of the easy things to give up.  Actually, there are a number of advantages to cutting your own hair at home.  Of course there is the money savings.  I bought a hair buzzer kit for about $30 to get basically unlimited haircuts.  Cutting my hair at home also saves time.  I don't need to drive to the barber shop and wait for my turn.  I probably save at least a half hour in time every haircut at home.

So with all of these advantage of cutting my own hair at home, why did I decide to go to a barber and pay $12 plus a tip to get a professional haircut for the first time in 8 years?  The short answer- I was tricked.

How, you may ask, can you get tricked into getting a haircut?  This scenario makes a lot more sense if you know my son.  I had the day off and he came with me to run some errands on Main Street in our small town.  We stopped by the grocery store and also stopped by a small business to pay a bill.  On our way out, my son said, "let's go this way," and started leading me down the street in the direction of the hardware store.  This made sense since my son is always building something and often needs parts for various science experiments and projects.

As we neared the barber shop, he suddenly announced, "We are going to do something about that hair!" and led me inside.

I have to admit my hair did need something done about it.  I had not used my buzzers for the past few months because I liked having it a bit longer than the #8 buzzer guard that cuts to 1 inch length.  I have not mastered scissor skills, so if I cut my hair at home with the buzzers, it would have to be 1 inch or shorter.

As soon as we got into the barber shop, I realized that I had a way out.  I only had $2 with me, and I knew haircuts cost a lot more than that.  This small shop does not take credit cards.  I explained this to my son, who immediately hatched a plan to go home to get some money.  After we got home, my other son joined the cause and came with me to the barber shop too in order to help ensure that I actually got a haircut.

I had short buzzers, #2 I think, on the back and sides, but left the top longer.  It is a sharp looking haircut.  A bit of trivia for you on hair buzzer guards:  the guard number is in 1/8 inches.  So a #2 guard is 1/4 inch.

It was a nice treat to get a fancy haircut.  I don't know yet if I will pay for a haircut again soon or not though.  I could probably use my buzzers at home on the back and sides for a few months and maybe go in and let a professional handle the scissor work a few times a year.  Or I could go back to the #8 all over for free with my buzzers at home.  Sometimes free is hard to beat...


Copyright © 2016 by Dr. Penny Pincher.  All Rights Reserved.  Privacy Policy

Monday, May 30, 2016

Make a Chromebook With Your Android Phone for $20

Making A Chromebook

I couldn't handle spending $150 for a Chromebook, so I made one using my Android phone for $20 instead...

I Made A Chromebook for $20
I Made A Chromebook for $20
Image Source: Dr. Penny Pincher

I was recently on the road and had an article I needed to write to meet a deadline.  I did not take a computer with me on the trip- I planned to use a computer at the business center of the hotel to type my article.  Unfortunately, the office center was closed due to flooding.

I considered typing the article on my cell phone using the on-screen keyboard.  This would have been possible, but would have been frustrating and would have taken hours to get done.  I needed a better way to type my article.

I walked to a nearby Best Buy and checked out cheap computer options.  I could get a Chromebook or a cheap Windows 10 computer for about $150.  I quickly decided that spending $150 was more than I could handle.

Studying these netbooks did give me an idea, though.  I realized that these inexpensive computers have solid state drives and small screens.  I realized that this was similar to the capability of my Android cell phone that I had with me, except unlike my cell phone the cheap laptops had a keyboard.

I checked out Bluetooth keyboards and found a nice solution.  With a $20 Bluetooth keyboard, I could essentially make a Chromebook that would allow me to type up my article just as fast as I could type it on a computer.  With my homemade Chromebook, I could work with Google Docs and do basically anything I could with a real Chromebook.

The Bluetooth keyboard can also be used with a tablet computer, so I could have a bigger screen by using a cheap Android tablet computer.

Bluetooth Wireless Keyboard I Used To Turn My Android Phone into a Chromebook
Bluetooth Wireless Keyboard I Used To Turn My Android Phone into a Chromebook
Image Source: Dr. Penny Pincher

Making a Chromebook using my Android phone and a wireless keyboard was a great solution when I needed a computer and didn't want to spend much money.  The screen size using my cell phone was pretty small, but I made it work.  An Android tablet computer with Bluetooth would make a better homemade Chromebook.


Copyright © 2016 by Dr. Penny Pincher.  All Rights Reserved.  Privacy Policy

Saturday, April 30, 2016

Effective Ant Control for Cheap

How Ant Poison Works

Ant Control: Liquid Ant Poison and Plastic Ant Bait Station
Ant Control: Liquid Ant Poison (left) and Plastic Ant Bait Station (right)
Image Source: Dr. Penny Pincher

Last year we had some small ants in the kitchen.  I put out a few plastic bait traps that I got at the grocery store for about $5, and the ants were gone after a few days and I didn't see any ants for a whole year.  You might wonder why I would pay $5 for some fancy ant bait traps when I could simply smash the ants for free.

Killing individual ants doesn't really solve the problem.  More ants will come to take the place of the ants you kill.  The same thing happens when you spray ants with bug spray.  It may kill a few, but the ant colony continues to produce more and more ants, and eventually some of those ants find their way to you.

You can use bug spray to make a perimeter, spraying it around your house to make a barrier to keep bugs out.  I have had some success with this, but ant trails can go places that are difficult to spray.  Plus the spray barrier breaks down after a few months and ants will start coming in again.

The best way to control ants is to take out the entire colony with a poison bait.  Ant bait stations use this approach, typically containing bait in granular form inside the plastic housing.  Worker ants take the poison bait back to the colony where it is fed to the larva and takes out the next generation of ants.

One of the nice things about using bait to take out ants is that you don't need to find the colony or even know where the ants are coming in.  The ants do the work of finding your poison bait and taking it back to the colony.

I don't like the idea of killing ants- I think they are neat little animals that have a social order and work very hard.  But I can't let ants take over my kitchen.

My Ant Problem This Year

This year, the little kitchen ants were back.  I put out some new plastic bait traps but they weren't working.  My wife noticed that the ants seemed to be ignoring the ant traps, walking right around them without bothering to climb up and explore them to find the bait inside.

The plastic ant traps are designed look decorative and have a flower pattern stamped into them.  It is nice that they try to make the ant traps look fancy, but it is still pretty obvious that they are ant traps.

Plastic Ant Bait Station
Plastic Ant Bait Station
Image Source: Dr. Penny Pincher
I decided to go with an even cheaper ant control solution- Terro.  This is a sticky liquid bait, sort of the consistency of honey that you put on small pieces of cardboard for the ants to find.  I bought a small bottle of Terro for about $2.59.

Terro Liquid Ant Bait
Terro Liquid Ant Bait
Image Source: Dr. Penny Pincher

Ants Eating Liquid Ant Poison
Ants Eating Liquid Ant Poison
Image Source: Dr. Penny Pincher
The little ants really like the Terro!  Within a couple hours, there were at least a dozen ants lined up around the drop of poison sucking it up- in the photo above, the ants are eating the bait on the card like crazy.  The worker ants take the poison back to the ant colony, where it starts acting and kills the entire colony.

As I said, don't like the idea of killing ants, but I can't really put up with ants in my kitchen.  Within a few hours of putting out the Terro bait, there are very few ants still wandering around.  I'll leave the bait out for at least a few days to make sure my ant problem is solved for this year.

It looks like I'm going to get away with not calling an exterminator, which would cost WAY more than $2.59.

Copyright © 2016 by Dr. Penny Pincher.  All Rights Reserved.  Privacy Policy

Friday, April 8, 2016

Audiobook Announcement: Pinch Like You Mean It

Pinch Like You Mean It- Audiobook Launch!

Pinch Like You Mean It:  The Audiobook is out!

I am excited to announce the release of my first audiobook!  It is the audio version of Pinch Like You Mean It! 101 Ways To Save Money Now.

This book works very well as an audio book thanks to outstanding narration from Peter L. Herrick.  This guy could read a list of names out of the phone book and it would be gripping and compelling...  just imagine how great my book sounds with Pete reading it!

It took about a month to produce the audiobook version, so I hope you will check it out.  I developed this under a cool program by ACX that matches book authors with audiobook producers.  I held some auditions to find the right narrator for this book.  I think you will enjoy the results from all of the hard work that went into this project!



When I got the draft version of the audiobook, I intended to take a few minutes and listen to a few tips, but ended up listening to the entire book non-stop!  I think listening to the book makes a bigger impression than reading it.

If you have an Audible.com account, you will be able to get this audiobook for free as part of your subscription.  Enjoy!

Copyright © 2016 by Dr. Penny Pincher.  All Rights Reserved.  Privacy Policy

Friday, March 18, 2016

Save Money on Car Rental: How to Avoid Getting Ripped Off!

Car Rental: There Must Be A Better Price!


Let's go to the mailbag today for a reader question about getting gouged by a car rental company:


Save Money On Car Rental
Rental Car Savings!


"While traveling to Tulsa this week I rented a car from Budget Rental.  The car's cost for two days was $184.

That was extremely high and I refused to do it, so I continued research on the internet and found that all the cars in the middle of the week were as much as $100 a day.  So I went back to Budget and found the next day that they had a car for rent for $100 for 2 days.  I immediately rented that car.  When I got to the airport in Tulsa I went to the counter to get the car from Budget.  At that time they quoted me a price of $184.  I showed them on my phone the email confirmation that said $100.  Budget then told me that quote is from the downtown location which was 4 or 5 miles away. I asked how I was supposed to get down there and if they had a shuttle. 

The answer was simple...you have to take a cab.  Well I was a bit peeved but went outside and a cab was waiting.  I asked the cab driver how much to take me to the downtown location of the Budget Car Rental.  He told me $30. After I got up off the sidewalk, I asked if I had any alternative and he said yes you can walk. 

I thought about that, however crossing the freeways and busy highway is would have been a bit risky.  So I paid the $30, got downtown to the Budget car rental place, and asked if I had to bring it back here and have another cab ride back to the airport explaining the circumstances to the customer service person.  She said, well no we can arrange it for you can take this right straight back to the airport.  When I asked why the prices were so high, I was told by the budget representative that it was a "supply and demand situation".  

I responded to that by telling them that I thought it was a greed situation accompanied by circumstances where people had no choice.

Thank you for your time and hopefully you can get this message to Dr. Penny Pincher so he can go undercover and find out what the deal is... 

Sincerely,
An Anonymous Dr. Penny Pincher Reader"

Thank you AADPPR for sharing your interesting story and providing an idea for an article that can help save people money for car rental expenses.

Week Day vs. Weekend Rates

My first observation is that renting a car during the week can be quite expensive compared with weekends.  I think this really is related to supply and demand.  During the week, there are lots of business travelers with expense accounts who will pay top dollar for rental cars.  On weekends, most car rentals are for leisure and people are more concerned about getting a good price.

If you have a choice, try to rent a car over a weekend instead of during the week.  The prices can be something like half as much.

Try to Get the "Replacement Car" Insurance Company Rate

My next observation is that $184 or even $100 for a two day car rental seems pretty high.  The last time I rented a car, I got a Chevy Sonic for about $25 per day.  I told the car rental agent that my car was wrecked and my insurance would only cover $25 per day, so I needed something in this price range.  I didn't think you could even get a rental car for $25 per day, but they came up with one.

Car rental companies give their best deals for providing a replacement car after your car is in a wreck.  This type of car rental provides some long term rentals with relatively low mileage and is profitable business for the rental company.  Even if your car was not in a wreck, you can still try to get the rental company's best rate.  You can say that your insurance only covers $25 per day and see if they offer you something in this price range.

When I got my $25 deal, my car was actually wrecked, but it seems like this request could work even if your car is not wrecked.

For more on this strategy, see TIP 4 in confessions from a former Enterprise Car Rental Employee.

Supply and Demand vs. Greed

I liked your comment that you thought the reason for the jacked up prices was a "greed situation".  Car rental companies, like other businesses, are going to try to get as much money as they possibly can for their goods and services.

If you are renting a car in a high demand market where plenty of people are willing to pay $184, then the car rental company has no motivation to lower the price.  Why would they take $100 if they could get $184 from the next person to walk through the door?

On the other hand, if the car rental company has tons of cars just sitting there with no one renting them, they might be willing to rent one for a very good deal.  Making some money is better than making no money.  But in order to be able to drive a bargain, you need a situation where there is not a lot of demand.

So, I would always try to bargain on the price for a rental car, but if demand is high it might not work.  Your best chance to negotiate a good deal is by talking with the sales person, being friendly, and talking them into a good price by encouraging them to find something less expensive.

Bargaining on price may or may not work, but is worth a try.  The agents have a lot of flexibility in setting prices, so you might be able to keep asking for something less expensive and end up with a low price.

The Cab Ride

Paying $30 for a cab ride was expensive, but you ended up saving $54 on your car rental even after the cab fare, so this was a good move.

One idea that came to mind when reading about the cab ride is Enterprise.  Enterprise car rental will pick you up for free when you rent a car.  I wonder if you could have the Enterprise a few miles away with a lower rate drive and pick you up at a convenient Enterprise location that has a higher rate?  Maybe you could get the lower rate without paying for a cab ride...

Another idea on saving on a cab fare:  I have never tried it, but Uber and Lyft provide some very cost competitive services if you need a ride.  I would guess these services would be about half the cost of a cab ride, but you might have to wait a bit compared with taking the cab that is already there.

Car Rental Add-on Expenses

Next time I need to rent a car, I'll go undercover like I did in this investigation of Rent-to-Own stores and see what I can learn about how rental car companies extract money from people.  Here are some car rental company tricks to watch out for:
  • Supplemental Insurance:  Your existing car insurance likely covers you.  Paying for extra insurance is very profitable for the car rental company.
  • GPS fee: You can use your smartphone instead of paying a few dollars a day extra for a GPS in your rental car.  Or use a paper map.
  • Satellite radio fee:  I hear that car rental companies are charging a few dollars a day extra for XM or Sirius satellite radio, even if you didn't know your car had satellite radio and didn't use it!
  • Gas fee:  If you turn your rental car in without filling up the gas tank, you can get hit with fees and pay extra money for the car rental company to put gas in the car.  Try to fill it up yourself on your way to the rental car lot when you turn the car in.

Overall, it sounds like you saved some money by shopping around and taking a cab to get a much lower rate a few miles away.  Nice work!

Best Wishes,
Dr. Penny Pincher



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Sunday, March 6, 2016

Make Your Own Cereal at Home- Cheap!

Cereal Is Too Expensive- Make Your Own!

Make your own cereal- cheap!

I have complained here on my blog about how expensive cereal is compared with the cost of the ingredients of cereal.  If you do the calculations, cereal has an incredible mark-up.  I didn't think there was much I could do about this, other than choose the most cost effective brands of cereal available.

Then one day, I noticed that my son was making his own cereal, and it is much healthier than the expensive cereal you can buy at the store.

The alternative cereal trend at my house started when my son discovered that some caramel corn that we bought on clearance at the grocery store made great cereal.  Just pour some in a bowl and add milk.  It tastes like Corn Pops, only a little fluffier.

Of course, it is really cheap and easy to make fresh popcorn at home.  We decided to skip the caramel part and just put some popcorn in a bowl with milk.  If you like, you can put some sugar on top to make it taste more like store-bought cereal.

Photo credit:  Heather Lion (CC-SA-30)

Popcorn Revisited

The popcorn we are using for cereal is not like movie theater popcorn.  We are skipping the salt and butter.  Fresh popcorn has a nice flavor even if you don't add anything to it.  We use a little bit of Crisco vegetable oil (it's soy bean oil) for popping.  Peanut oil would also work well.

Fortunately I have my own movie theater popcorn machine that we got as a family Christmas gift one year for about $150.  We have made movie theater style popcorn with melted butter for movie night for years.  If you don't have a popcorn popper like this, you can use an air popper or even pop popcorn in a pan on the stovetop.  Using those microwave popcorn bags wouldn't really work for cereal since that stuff is so salty and oily.

My Popcorn Machine

It may sound weird to eat popcorn as a meal, but this idea has been around for awhile.  According to Alton Brown on his episode of Good Eats about popcorn, native Americans in the southwest popped popcorn by heating up sand with popcorn kernels in it over a fire.  The anthropologist on the show thought that the ancient people made a gruel by adding water to the popped corn and mashing it up.  Popping the corn allowed the nutrients to be obtained from the hard dense kernels.

Now, fast forward a few thousand years.  One of the first ideas for commercial breakfast cereal in the United States was to ship boxes of pre-popped popcorn. However the Kelloggs brothers decided to go with corn flakes instead since they were not confident that pre-popped popcorn would sell very well.

Popcorn is a whole grain with lots of fiber, and is really cheap to make.  If you don't add salt and butter to it, it is a healthy snack and even a healthy meal in the form of homemade breakfast cereal.  If make your own cereal, you know exactly what artificial colors and chemicals are in it- none!


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Wednesday, February 17, 2016

It's Time to Make Some Extra Money Publishing Articles...

Make Extra Money Publishing Articles

It's Time to Make Some Extra Money!
Dr. Penny Pincher on the cover of Time magazine
OK, so this Time magazine cover featuring my picture is obviously fake, but I am excited that I got an article published on Time.com today!  The article is about 21 times you can spend money to save money.  You can read it here on Time.com.

If you read my newsletter, you know that I am planning on making some extra income this year in addition to pinching pennies as usual.

Last summer I decided to move beyond posting articles on my blog and see if I could get paid to publish articles on other sites.

Having my own blog is great.  Here are some things I like about publishing articles myself on my blog or on HubPages:

1) I can write about anything on my blog
Sometimes I write about my dog.  One time I wrote a fictionalized account of an interaction with my editor just for fun.  I started a blog about coffee because I like coffee.  One time, I even thought of an article topic just so I could show a giant picture of my face on a fake Time magazine cover!

There is no adult supervision at all, I can write whatever I want and it gets published immediately.

2) I own the articles and can make passive income forever
I like the idea of owning something that has value.  When I write articles and publish them myself on my blog, I retain all rights to the articles.  I can make money for years from advertising.

3) No schedule constraints or deadlines
Sometimes I post new articles on my blog every day, or sometimes only a couple times per month.  It is up to me, and no one seems to get upset if I don't post for awhile.

4) Easy money
Who doesn't like making some extra money for doing something really easy?  From my family's perspective, it probably doesn't look like I am working very hard.  They see my relaxing in my chair, looking out at the lake and messing around on my computer.  Not a bad way to work if you ask me.

However there are some limitations to publishing on my own blog, and this is why I was open to trying something new and publishing articles on other sites:

1) I don't have enough readers... yet...
Thousands of people read my blog, and that results in some nice income.  But there are sites around that have MILLIONS of readers.  I took some advice from Jon Morrow to go where the audience is gathered instead of waiting for them to find me.

Publishing on an established site can be a quick way to reach a large audience.

2) It is nice to get an instant paycheck
Selling an article gets you money up front, right away instead of waiting for money to come in over a long period of time from advertising revenue.  It is not unusual for a blog to take many months to make the first few cents.  Selling articles can bring in extra money much faster than that.

3) Build name recognition
Being published on popular sites that people know and trust helps build credibility with readers.  You can check out my About Penny Pincher Journal page to see some of the places my articles have been published.  Some of my articles are syndicated, so you can find them on a lot of popular sites around the internet.

4) Become a better writer
I have learned a lot working with editors as they suggest topics and work with me to refine my ideas for articles.  I l review my articles after they are published to see what edits the professionals made to tune them up.

The "Write" Way to Start Publishing Articles to Make Extra Money

You can find lots of advice around the internet on how to start a blog to make money.  Most of this advice comes with links to sign up for web hosting and domain registration and courses, which all cost money.

I ignored most of the advice and have gone with 100% free web hosting from Google on blogspot.com and use a free domain name as well.  I might be able to make more revenue from my blogs if I were willing to spend more, but it sure is nice to have no bills to worry about paying for hosting my content.

Publishing articles at HubPages is also free in the sense that you do not have to pay them, although they take a 40% cut of your advertising earnings.  I think this is fair since there are expenses involved with running servers and promoting the site.  Here's how to get started publishing articles on HubPages for free.

After starting my blog, I have also published a few books.  It is fun to get a check in the mail once in a while, and my free book generates interest in my blog.  Here is an article I wrote on making money by publishing ebooks:  Can You Get Rich Writing eBooks?

Selling articles to other sites to publish is probably the fastest way to make money, but you will likely need to have some published articles as a portfolio in order to get hired to write articles.  This is a catch-22.  You can work around this problem by starting a blog, publishing some interesting articles, and then approaching other sites about writing for them.

If you enjoy writing and have some patience, selling articles is a great way to do something interesting and make some extra money.

Is it time for you to start writing articles and finding paychecks in your mailbox?  Sign up for my newsletter- sometimes I share details about my writing projects and making money with my subscribers.


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Wednesday, February 10, 2016

Cheap Ways to Deal with Peeling Paint on an Old House

Peeling Paint, Old Siding, What To Do?

Is There A Better Way?

My latest article on Wise Bread triggered a great question from a reader:

"Dr Penny Pincher,

Read your article on the hidden costs of buying an old house.  Very informative, practical, and interesting.  Anyone buying an older house should consider all of the potential costs you mention when buying an older property.

We live in an older home and have for some time.  One of the potential problems we are considering is the painting and upkeep on the outside of the house.  Our home has the original cedar shake siding and requires maintenance every year in addition to periodic painting of the entire house which is two stories. We are reaching an age where using a ladder probably is not a good idea. 


Do you have suggestions for an inexpensive way to maintain the house without the expense of siding??

Thank you,

A Penny Pincher Follower"



Thank you PPF for your question!

A few years ago while painting my 2+ story house, I realized that I have a mild sensitivity to heights.  I had nightmares about falling off of a ladder, and my palms were sweating and my hands shaking when I got much above one story high.  I can understand why you don't want to go up on a ladder to paint!


Unfortunately, going up on a ladder is probably the least expensive way to deal with old siding.  It seems like old wood gets moisture in it and has trouble keeping a good coat of paint more than a few years.  Even a really great paint job might only last a few years.

Here are things you can do to deal with peeling paint on wood siding, in order of cost:

1.  Paint the house yourself
This may cost a few hundred dollars for the paint.  You can reuse paint brushes and ladders for many years.  The drawbacks of painting yourself are that you have to go up on a ladder and spend a lot of time scraping off the peeling paint and repainting.

2.  Hire someone to paint your house
This may cost several hundred to a couple thousand dollars depending on the size of your house and who you hire.  As with hiring someone to do anything, you have to worry about the quality of the work and deal with having strangers around on your property.

3.  Move to a newer house with vinyl siding
Most newer houses have vinyl siding or other zero maintenance siding.  I ended up moving to a newer house after I painted my old house.  The cost to move varies with how much stuff you have and whether you need to hire movers.  My last move cost about $2,000.  It may sound extreme, but moving to a newer house will get you out of painting...

4.  Replace old wood siding with zero maintenance siding
Before I painted my old house, I looked at going over the old wood siding with new vinyl siding.  The estimates to install vinyl siding were in the range of about $30,000 to $40,000.  This was a large house with lots of windows, so these numbers may be higher than for a typical house.  In any case, replacing siding is a major expense.

I hope one of these options works for you.  Go with option 2, 3, or 4 to avoid going up on a ladder.  Best of luck!



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Sunday, January 31, 2016

Oil Change Interval: Miles and Time

How Often Do You Need to Change Your Oil?

How Often Do You Need to Change Your Oil?


Changing the oil regularly is important to keep your car running well.  Clean, fresh oil does a good job of reducing friction in your engine and protecting it from wear and tear.  Over time, your oil gets dirty and it loses its ability to protect your engine.

But how often do you really need to change the oil in your car?  This topic has been in the news a lot over the years.  The old guideline was to change your oil ever 3,000 miles or 3 months- which ever came first.  Some of the windshield reminder stickers given out by service shops still have this outdated information.

Most modern cars call for oil changes every 5,000 to 10,000 miles, depending on driving conditions.  Short trips that don't get the car fully warmed up are harder on oil.

News organizations including The New York Times, Time Magazine, and Scientific American have all weighed in on this question- and all suggest that a 3,000 mile oil change is no longer needed due to advances in engine design and oil chemistry.

I'll share the question from a reader that inspired this article, and then my answer:

"We bought a Toyota RAV4 on October 20.  It was traded in a few days before that and they did some maintenance stuff on it including changing the oil.  

The sticker on the windshield says they changed it on October 15th and that we should change it again on Jan 15th which I haven't done.  We have driven it 911 miles since Oct. 15th. (We don't drive much any more).  The manual for the car says to change the oil every 5k miles. If we did that we wouldn't change the oil for over a year.

Suggestion on when to change?

Also change at the dealer or the Firestone store or Walmart? The dealer is more expensive..."

Thank you for your question!  Although changing the oil in a car is relatively inexpensive- around $30 for a full service oil change- you don't want to waste time and money changing the oil too often.  Plus changing oil more frequently than is needed results in more dirty oil that has to be disposed of somewhere.

Oil Change Interval- Mileage

I pulled up the recommended service interval for a Toyota Rav4 that I found in the Warranty and Maintenance Guide.  The recommended oil change interval is 5,000 miles or 6 months- whichever comes first.

So if the oil was last changed in October, your oil change is good until April if you have driven less than 5,000 miles.  Unless you go on a major spring break trip, you should be well under 5,000 miles on your current oil change by the time the 6 months is up in April.

Oil Change Interval- Time

Since you have only driven 911 miles, you might be able to run longer than 6 months without changing the oil.  Some other websites I checked indicated that oil should be good for up to 12 months.  Over time, oil can become corrosive due to increased acidity and damage engine parts.  Short trips where you engine is not fully warmed up are especially hard on the oil.

I would probably stay with the 5,000 mile/6 month recommendation from the maintenance log for the RAV4.  In general, I would suggest checking and follow the oil change interval recommendations from your vehicle's manufacturer.

Where to Get Your Oil Changed?

Now for the question of where to get your oil changed.  I have found that dealer service departments tend to be more expensive.  Even though the dealer shops usually have free donuts, I take my car to Midas for routine maintenance.  I have received great service there and I use coupons to save at Midas.  Other similar shops include Tuffy, Jiffy Lube, Walmart and Firestone as you mentioned.

Best of luck!


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