Straw Bale Gardening: Conditioning Straw Bales

Straw Bale Gardening: Conditioning Straw Bales

This is article two in my series about Straw Bale Gardening- in this article, you'll learn all about conditioning straw bales for a straw bale garden.  See my first article on Straw Bale Gardening to learn how to find straw bales and how to lay out a straw bale garden.


If you want to learn all about straw bale gardens, you can learn everything from planning through harvest:

• Starting a straw bale garden
• Conditioning the straw bales
• Straw bale garden timeline
• Does a straw bale garden work?
• Straw bale garden harvest

Steps for Conditioning Straw Bales for Straw Bale Gardening

The following steps for conditioning straw bales is from Joel Karsten who wrote the book Straw Bale Gardens Complete.

• Day 1: 3 cups composted fertilizer per bale and water
• Day 2: water
• Day 3: 3 cups composted fertilizer per bale and water
• Day 4: water
• Day 5: 3 cups composted fertilizer per bale and water
• Day 6: water
• Day 7: 1.5 cups composted fertilizer per bale and water
• Day 8: 1.5 cups composted fertilizer per bale and water
• Day 9: 1.5 cups composted fertilizer per bale and water
• Day 10: 3 cups bone meal/wood ash mix (supplies phosphorus and potassium), and water

Here is a link to an article in Modern Farmer that describes this method for conditioning straw bales.

During the conditioning process, the straw bale will heat up to over 100 degrees, which kills most of the weed seeds that may be mixed in with the straw.  Some people use hay bales instead of straw bales, but I would be a little concerned about weed seeds even with the heating of the bales.  Since the bale heats up, you will need to wait until the bales cool down to plant your seeds or plants that you have started in the bales.  I am not sure yet if I will just stick my hand in the bale to see if it is warm, or if I will use a thermometer.

We should be ready to plant some of the hardier vegetables after Day 10, which will be April 18.  The last frost date here in southern Iowa is around May 10, so we'll have to be careful what we put out early.  Our straw bale garden is located on a hill facing the south and is sheltered by the garage on the north, so we should be safe to put plants out pretty early.  I am looking forward to seeing some plants growing in these straw bales!

Day 1:  3 Cups Fertilizer per Bale and Water

Conditioning Bales for Straw Bale Gardening, Day 1
Image Source: Dr. Penny Pincher

Last weekend, I brought home 25 bales of straw for my straw bale garden.  My wife and I figured out a layout for the garden, put down landscaping fabric, and put the bales in place.  I used some metal stales to keep the straw bales in place.  My earlier post describes the benefits of straw bale gardening, starting the plants from seeds in planting trays, and laying the bales out to start a straw bale garden.

Straw Bale on Day 1 of Conditioning with Fertilizer
Image Source: Dr. Penny Pincher

The next step after getting your straw bales in place is conditioning the bales.  This is a 10 day process where you keep the straw bales wet and apply fertilizer to the bales.  This starts the bales breaking down so that plants will be able to grow in them.  You can use "standard" high nitrogen fertilizer or organic fertilizers.  My wife decided to go with organic fertilizer.

Organic Plant Food Used to Condition Straw Bale Garden
Image Source: Dr. Penny Pincher

For the first treatment, she placed 3 cups of plant food (fertilizer) on top of the bales and then ran water on top of it to start washing it into the bales.  We had some plant food left from last year's garden but needed to buy more to have enough for all of the bales.  Since the organic plant food is sort of expensive, we may use compost for the next treatment with fertilizer which is on Day 3.  On Day 2, only water will be applied.  Later in the conditioning process, we will add some bone meal and wood ash.

Day 2:  Water Bales

We watered the bales today, plus it rained quite a bit, so they should be good and wet now.  Watering the bales will wash the fertilizer down into the bale and also keep it damp inside the bale so the bacteria can do its work to break down the bales and get them ready for planting.

I don't see much difference in the bales since we started, except they are now dirty and wet...

Conditioning the Straw Bales, Day 2
Image Source: Dr. Penny Pincher

Closeup of Bale on Day 2 of Conditioning
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Day 3:  3 Cups Fertilizer per Bale and Water

Day 3 of conditioning the straw bale garden calls for adding more fertilizer and watering the bales.  I picked up a few 40 pound bags of compost to use as fertilizer at Earl May.  I got 2 bags of plant leaf compost and 2 bags of cow manure compost.  The composted leaves was $4 for a 40 pound bag.  The composted cow manure was $7 for a 40 pound bag.

I added about 1.5 cups of each type of compost, for a total of 3 cups of fertilizer per bale today and soaked it in with water.  As I worked on conditioning the straw bales tonight, I realized that this is really like starting a compost pile.  The difference is that I will be planting things in this compost pile and letting plants grow while it composts.

Day 3 of Conditioning the Bales- Before Adding More Fertilizer
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Composted Leaves and Plant Material- $4 for 40 Pounds
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Composted Cow Manure- $7 for 40 Pounds
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Watering the Bales to Soak In Fertilizer
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Day 3 of Bale Conditioning, After Adding More Fertilizer and Soaking with Water
Image Source: Dr. Penny Pincher

Day 4:  Water Bales

Day 4 of straw bale conditioning  is watering only.  The purpose of watering the bales is two-fold.  First, watering the bales will wash the nitrogen from the compost or fertilizer that you apply on top of the bales down into the bales.  Second, watering the bales keeps them wet inside so they can start to break down and get prepared to be a good growing medium for plants.

Here are some photos of the bales on Day 4 of conditioning for straw bale gardening.

Straw Bales, Day 4, Before Watering
Image Source: Dr. Penny Pincher

Straw Bales, Day 4, Before Watering, Side View
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Straw Bales, Day 4, After Watering, Close-up
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Straw Bales, Day 4, After Watering
Image Source: Dr. Penny Pincher

Day 5:  3 Cups Fertilizer per Bale and Water

I get to add more fertilizer today.  Today I finished up one of the 40 pound bags of plant compost and one of the 40 pound bags of composted manure.  Watering the fertilizer into the bales must be working, because there isn't that much stuff on top of the bales.  I don't know if the composting is going very fast due to low temperatures- it is getting down into the 40's at night.

The bales do not look that much different to me yet.  They are waterlogged and dirty.  It is probably too late to try to return the bales if I were to change my mind now...

Here are some  photos of how the bales looked on Day 5 before fertilizer was added.  It was raining today, so they were already wet.

Day 5 of Straw Bale Conditioning, Before Adding More Fertilizer
Image Source: Dr. Penny Pincher

Day 5 of Straw Bale Conditioning, Before Adding More Fertilizer, Several Bales
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Next, I added about 3 cups of compost fertilizer on top of each bale.

Day 5 of Straw Bale Conditioning, with Fertilizer Added
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Day 5 of Straw Bale Conditioning, with Fertilizer Added, Side of Bale
Image Source: Dr. Penny Pincher

Then I used the "shower" setting on my garden hose sprayer head to water the fertilizer down into the bales.  Here is how they looked today after watering:

Day 5 of Straw Bale Conditioning, after Watering in More Fertilizer
Image Source: Dr. Penny Pincher

Day 5 of Straw Bale Conditioning, after Watering in More Fertilizer, Side of Bale
Image Source: Dr. Penny Pincher

Day 6:  Water Bales

Today I just watered the bales.  I also put up my rain gauge near my garden.

Day 6, Before Water, Top of Bale
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Day 6, Before Water, Side of Bale
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Day 6, After Water, Top of Bale
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Day 6, After Water, Side of Bale
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Rain gauge, Attached to Deck Rail Next to Garden
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Day 7: 1.5 Cups Composted Fertilizer per Bale and Water

The plan for Day 7 of conditioning the bales is to add half the amount of compost that we have been adding, and then water it into the bales.  This will also be the plan for Day 8 and Day 9 as well.

I put my hand against the side of a bale today to check the temperature and I did feel some warmth.  It is hard to say if this is from the bales heading up inside from the fertilizer and composting process, or if this is simply passive solar heating since the bales were out in the sun today.

Day 7, Before Fertilizer, Top of Bale
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Day 7, Before Fertilizer, Side of Bale
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Day 7, After Adding Fertilizer, Close-up
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Day 7, After Adding Fertilizer
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Day 7, After Fertilizer and Water, Close-up
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Day 7, After Fertilizer and Water
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Day 8: 1.5 Cups Composted Fertilizer per Bale and Water

Day 8 is the same plan as Day 7: add 1.5 cups compost per bale and water it into the bales.  Today was a long day, so I was working in the garden after dark tonight.  I can get some light through the windows in my shop if I turn on the lights.

Day 8, Before Adding Fertilizer
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Day 8, Before Adding Fertilizer, Side View
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Day 8, Fertilizer Added
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Day 8, Fertilizer Added, Side View
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Day 8, After Fertilizer and Water
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Day 8, After Fertilizer and Water, Side View
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Day 9: 1.5 Cups Composted Fertilizer per Bale and Water

Today, I decided to stick my hand into a bale and see if it is heating up noticeably.  The air temperature was about 75 degrees.  The inside of the bale was definitely warm- I would say maybe 130 degrees.  With my hand not far into the bale, the tips of my fingers were uncomfortably warm.

Checking Temperature Inside Straw Bale- It Is Definitely Heating Up!
Image Source: Dr. Penny Pincher

Today's recipe is to add 1.5 cups of compost per bale and soak it in with water.  Here's what that looked like:

Day 9 Conditioning, Straw Bale Before Fertilizer Added
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Day 9, Straw Bale with 1.5 Cups of Compost Added
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Day 9 Straw Bale Conditioning, After Fertilizer and Water
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Day 10: 3 cups bone meal/wood ash mix (supplies phosphorus and potassium), and water

It's graduation day for the straw bales today!  Today is the final step of bale conditioning.  I'll add some bone meal to supply phosphorous and wood ash to supply potassium.  Then I'll add some more compost to supply nitrogen and soak all of that into the bales with water.

The next step is to check the temperature inside the bales to make sure it is not too hot, and then plant when we are ready.  Since it is only mid-April, we may plant some things right away like lettuce and wait awhile to put some of the plants we started inside in starting trays.

You'll see from the photos of Day 10 that I added some foam covers to the metal stakes that I used to hold the bales in place.  The other day, I bent down to pick something up and almost hit my head on a fairly sharp stake.  I decided to put some padding on before a kid or small dog gets hurt.  I bought some swim noodles that are used for floating in a swimming pool for $2 each and used a hack saw to cut them to length.  I slid them over the posts, with a couple inches of extra length to absorb any blows and prevent impalement.

Here are the photos from Day 10 of conditioning the straw bales:

Wood Ash from Fire Pit- Adds Potassium
Image Source: Dr. Penny Pincher

Organic Bone Meal- Adds Phosphorus
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Day 10, Bales Before Adding Anything
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Day 10, Before Adding Anything- Closeup
Dr. Penny Pincher

Bales with Wood Ash and Bone Meal
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Bales with Wood Ash and Bone Meal- Closeup
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Day 10 Straw Bale Conditioning- After Watering
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Day 10 Straw Bale Conditioning- After Watering, Closeup
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The bales are heating up inside, and conditioning of bales for the straw bale garden seems to be going well.  Next, I'll wait until the temperature inside cools down a bit and then go ahead and plant.  You can spread a bit of topsoil on top of the bales and plant seeds right on top.  You can also dig into the bales a bit and plant small plants right into the bales, adding some topsoil in the hole to cover the roots.

So far, straw bale gardening is going well.  Find out how the straw bale garden turned out- here is a link to my straw bale gardening journal for the garden this year.

Straw Bale Garden- Ready to Plant!
Image Source: Dr. Penny Pincher

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I Got Gas for Under $1 a Gallon Today with Hy-Vee Fuel Saver!

Wow- Gas for Under $1

This Receipt Shows That I Got Gas for Under $1 Per Gallon!
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Gas Under $1 per Gallon- Price at the Pump
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This morning, I was almost out of gas and stopped at Casey's to fill up.  As usual, I swipped my Hy-Vee Fuel Saver card at the pump.  Hy-Vee Fuel Saver is a program that provides fuel discounts when you buy certain grocery items at Hy-Vee.

I was pleasantly surprised when I saved $19.48 on my gas today!  With my discount, my gas was just under $1 per gallon!

I Saved Nearly $20 on Gas Today!
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I often save a little bit on gas with Hy-Vee fuel saver.  My wife does most of the grocery shopping at Walmart or Target, so the few things I buy at Hy-Vee don't add up to much savings.  But today was different.  How did I save so much on gas this time?

I told my wife about this at dinner, and she said she bought groceries at Hy-Vee and had them look up my Fuel Saver number since she doesn't have a card.  That was a good move- it saved us nearly $20 on gas.

Here is an article that describes Hy-Vee Fuel Saver in more detail.  Hy-Vee stores are mostly in the Midwest, so you won't be able to find a Hy-Vee if you live on the coast.  The fuel saver discount works at Hy-Vee gas stations and also at Casey's gas stations which are abundant in the Midwest.

Hy-Vee Fuel Saver Works at Casey's and Hy-Vee Gas Stations
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Tips to Save on Gas with Hy-Vee Fuel Saver:

• If you shop at Hy-Vee at all, you might as well sign up for Fuel Saver.  You will save some money with almost no effort.
• Buy only things you need- don't buy extra stuff just to get the fuel saver discount.  You won't save money if you do.
• As my wife discovered, you can have the cashier look up an account with a phone number if you don't have your Fuel Saver card with you.
• Groceries at Hy-Vee are fairly expensive compared with Walmart, but with the Fuel Saver discount, you might still be able to shop at Hy-Vee and not spend that much more money.
• When you get a good discount built up, buy as many gallons as you can.  Luckily, my tank was almost empty when I got the big discount so I maximized my savings.

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Straw Bale Gardening- Easy Raised Beds

What Is Straw Bale Gardening?

In this article, I will cover how to get straw bales and how to layout a straw bale garden.  My next article is all about how to condition straw bales to get the ready for planting.

Straw Bale Garden- with Bales Staked in Place
Image Source: Dr. Penny Pincher

If you want to learn all about straw bale gardens, you can learn everything from planning through harvest:

• Starting a straw bale garden
• Conditioning the straw bales
• Straw bale garden timeline
• Does a straw bale garden work?
• Straw bale garden harvest

A straw bale garden is a type of raised garden where plants are grown in straw bales.  The straw bales decompose, so plants can grow in the straw bales rather than in soil.  Straw bale gardening has several advantages.  The straw bales provide a raised surface for plants to grow, which makes working in the garden easier with less bending.  There is almost no weeding with a straw bale garden.  Wheat or oat straw contains almost no weed seeds, and the decomposition process while conditioning the bales heats up enough to kill most weed seeds anyway.

So if you want a raised bed style of garden, but without the trouble of building raised beds and filling them with soil, a straw bale garden might be a good way to get a quick and easy garden going.  I recently moved to a new house and with spring coming around it is time to start the garden.  I decided to try straw bale gardening as a quick and easy way to get a garden going without the need to break sod or build raised beds.

How Much Does Straw Bale Gardening Cost?

Of course you'll need to get straw bales to make a straw bale garden.  I went down the list, calling local home improvement and landscaping supply stores looking for straw bales.  Earl May had straw bales, but they were $9.99 each.  Yikes!  I found that Thiesen's, a farm supply store, had straw bales, but they only had 15 and they were $8.99 each.  I did see some straw bales selling on craigslist for $5 each, but some of these were pretty far away.

Finally, I thought to call a nearby farmer who has a shop selling vegetables to ask if he had straw bales for sale.  He did, and the price was $5.  I asked for 25 bales.  So the cost of straw bales was $125 to get my garden started.  You can have a much smaller garden- if you have a small space, you can use a couple bales on your patio to grow some tomatoes or other vegetables.

I bought a pickup truck load of 25 straw bales for my straw bale garden
Image Source: Dr. Penny Pincher

It is recommended to put down landscaping fabric under the straw bales to prevent weeds from coming up.  I had a bunch of landscape fabric that was in the garage when I bought my house, so I got this for free.  You could use cardboard that you can get for free if you ask for boxes at grocery stores.  I used cardboard under the raised beds at my last garden.

Another supply that you'll need is a way to stake down the bales and to provide a trellis for some of the taller plants.  I got a bunch of wire fencing and fence posts of all sizes that came with the property, so this is free for me.  You can buy wooden stakes at home improvement stores for about $1 each, or you can buy metal fence stakes for about $3 each.

You also need to use fertilizer to condition the bales before planting.  I have not bought the fertilizer yet, but I don't think this will be very expensive.  It is recommended to use high nitrogen fertilizer like ammonium nitrate (34-0-0) or ammonium sulfate.  I'm going to guess this will cost about $15.

You will need something to plant in your straw bale garden.  We have started plants growing from seeds in indoor growing trays.  We also plan to plant some things from seeds on the straw bales.  You can put some soil on top of the straw bales and start seeds right on top of the bales.  I think we spent about $40 on items to plant in the garden including the seeds and the starting trays.  You could get by for less, depending on what you plant.

You can plant seeds on top of straw bales
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Starting plants from seeds to plant in straw bales
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If you have rabbits or deer around, you may need a fence around your garden.  We have placed the garden close to the house and we have several dogs, so hopefully we can get by without a fence.

It looks like the cost of our 25 bale garden is going to be around $200.  I hope to get a lot of fresh vegetables from the garden- much more than $200 worth...  We will compost the straw as it breaks down and use it in future garden projects.

Materials Required for a Straw Bale Garden

• Straw Bales
• Landscape fabric (or free cardboard)
• Stakes or metal fence posts
• High nitrogen fertilizer
• Trellis material
• Plants and seeds
• Fence- optional

Straw Bale Garden- Before Planting
Image Source: Dr. Penny Pincher

Steps to Start a Straw Bale Garden

• Plan your garden layout.  Straw bales are about 3 feet long and about 18 inches wide.  Determine how many straw bales you need.  Choose a sunny location.
• Find straw bales.  Check local stores, farmers, and craigslist.
• Put down landscape fabric or cardboard to block weeds.
• Arrange the straw bales.  Set the bales so that the strings are on the side.

Straw Bale Garden- Rough Layout Before Staking the Bales Down
Image Source: Dr. Penny Pincher

• Stake down the bales.
• Condition the bales- soak them in water and apply high nitrogen fertilizer.  Conditioning takes about two weeks.
• Plant in the bales.  You can dig small holes in the bales to plant seedlings, or coat the top of the bale with soil and plant seeds.

I plan to add some taller metal fence posts on the ends of some of the rows of bales to make a trellis for taller plants.  I'll wait to see where we plant things before installing this.  I may use some fencing or wires to make the trellis.

In conclusion, a straw bale garden can be a quick and easy way to get a garden going.  Plus, you get the benefits of working with raised beds, but without the trouble of building raised beds and filling them with compost and soil.  Check back to see how our straw bale garden turns out.

Next Step: Conditioning the Straw Bales before Planting

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Finding Cheap Dress Shoes for Under $25

How I Found Cheap Dress Shoes for Under $25

I got these new dress shoes for under $25!
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My black dress shoes were pretty much shot.  I noticed this when I nearly fell down at work and noticed that the sole was separated from the shoe, creating a trip hazard.  I have tried to repair such problems before using Superglue or other adhesives, but repairs like this are only a temporary measure.  I could take the shoes to a shoe repair shop and get the sole sewn back on for about $10, but the leather uppers were pretty much worn out too.  It was time for a new pair of black dress shoes.

My old black shoes were hard to walk in anyway- they weighed about 5 pounds each.  This time I wanted much lighter shoes.

Fortunately, I had $10 Kohl's Cash and a 30% off coupon from Kohl's in my coupon envelope in my car ready for just such a situation.  I like to keep my best coupons with me in case I need to buy something.

I checked out the black dress shoes at Kohl's and found some lightweight black dress shoes priced at $69.99 and marked down to $41.99 on clearance.

With my $10 Kohl's Cash and 30% off coupon, I saved $47.60 off of the original price.  The final cost of the pair of shoes was $23.96.

I think these shoes have potential to be a good pair of shoes for me.  I can't go too far wrong for $23.96...

My new cheap dress shoes- under $25 for the pair!
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Here is an article about Kohl's Cash and other ways to save at Kohl's.

Cheap Shoe Options- Used Shoes

If you are willing to consider buying used shoes, you can find cheap shoes for sale at Goodwill, thrift stores, or garage sales.  I think used shoes could be a good way to get some high quality shoes pretty cheap.  I suspect that there are lots of used shoes for sale that were originally very expensive and that have been worn very little for whatever reason.

If you get used shoes, you might want to disinfect the shoes with Lysol or something like that.  I have never gone with used shoes myself- I would be concerned with picking up a foot fungus, warts, or other diseases from used shoes.

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Envelope Budgeting Tips

Tips on Envelope Budgeting From My Experience

Envelope Budgeting Tips from Experience
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What is Envelope Budgeting?  For an introduction on envelope budgeting to save money and stay within your budget, see my earlier post that covers the basics of envelope budgeting.

Today, I will talk about some things I have learned that make envelope budgeting work better in practice.

Get a Good Envelope

Envelope budgeting really involves only two things:  an envelope and cash.  It helps to use a good envelope.  I have found that the money envelope gets some wear and tear as I carry it around and my wife also carries it around.  My bank has nice envelopes that they offer me when I take cash out.  I always get one of these.  These envelopes have a resealable flap and are made out of a tough paper that may have a bit of plastic content.  I think a regular mailing envelope would wear out quickly.  The resealable flap is useful to hold change in the envelope as well as bills.

Get the Right Bills When You Load Your Envelope with Cash

If you get too many small bills, they won't fit easily into an envelope.  Big bills are not accepted everywhere and I worry more about losing a big bill.  I have found that a mix of 10's and 50's works well.  The 10's are nice for smaller purchases, and the 50's work well for paying for a bigger trip to the grocery store.

Account for Spending Outside the Envelope Quickly

We have had a few times where we used a credit card instead of the money envelope when we did not have the envelope with us.  Actually this happened a few times.  I kept track of the amounts by writing it down on the envelope when I got home, and within a few days I removed this amount from the money envelope so I can deposit it into checking and use it to pay the credit card.  This works fine since the food budget is not effected.  We did use a credit card instead of money from the envelope, but then I took the money out of the envelope to account for this.  The trick is to keep track of any spending that should have been taken from the envelope and make up for spending outside the envelope quickly before you lose track and no longer know if you are staying within your budget or not.

One of the biggest problems with the envelope system is that it would be easy to stop doing it.  This is the same thing that happens when going on a diet.  You have good intentions and may do well for a few days, but then go back to your old eating habits.  If you have an easy way to make up for spending that should have some from the money envelope, then you can get back on track.

Pull Out Money From the Envelope Before You Go Into A Store

At first I was carrying the money envelope into stores with me.  It was sort of awkward sorting through the bills in the envelope at the checkout.  I realized that I can just put a few bills in my wallet while I am in the car.  Today I went into a store thinking the damage would be around $45, so I loaded $50 in my wallet from the money envelope before going in the store.  Paying was quick, since I knew exactly how much was in my wallet, and it was less awkward than carrying an envelope stuffed with cash around.  The total turned out to be just under $42, so everything worked out fine.  Worst case, if you don't take enough into the store, you can run back out to the car to get more from the envelope.

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Envelope Budgeting- Save Money with the Envelope System

What is Envelope Budgeting?

Money Envelope System For Budgeting:  All You Need Is Money and an Envelope!
Image Source: Wikipedia/Michiel1972 cc-by-sa

Envelope budgeting is a simple and effective way to both keep track of spending and avoid going over your budget.  When you get your paycheck, get cash for the amount you budget for an expense category and put it in an envelope.  For this discussion, I'll use your grocery budget as an example.

Let's say you get paid every two weeks and your grocery budget is $500 for two weeks.  On payday, get $500 cash and put it in an envelope for groceries.  Every time you buy groceries, take money from the grocery envelope and put the change back in the envelope.  You can check at any time how much you have spent on groceries by counting the money in the envelope.  If you like, you can keep your grocery receipts in the envelope so you can see exactly where your grocery budget went.

How Does Envelope Budgeting Work?

There is something about spending cash that is more difficult psychologically than spending money using a credit card.  I learned this myself when we tried out the envelope system for food this month.  I was planning to bring my wife some lunch at work.  The thought of spending cash to buy her a sub at Subway was painful.  I texted her and asked if a peanut butter and jelly sandwich would be OK.  That is a good example of how the envelope system works.  When you have cash and can see it, it is hard to spend.

The other way that the envelope system works is that it provides a natural limit on spending.  If you buy groceries using a credit card with a $5,000 credit limit, there isn't much of a limit on how much you can spend on groceries.  If you aren't paying attention, there is no feedback at all that you have overspend until you get your credit card bill the following month.  Of course, you can check you credit card balance any time, but this requires effort.  If you buy all of your groceries using cash from your envelope, it requires no extra effort to see when you are running out of money!

Downsides of Envelope Budgeting

During the month trying out envelope budgeting, I have noticed a few negative aspects of this system:

1. You have to get cash to put in the envelope.  For me, this means a trip to the bank.  Buying with credit cards does not require a trip to the bank, so using a credit card is more convenient.  However, convenience isn't the point of envelope budgeting- saving money is the point.  So if I can save money, it is worth the hassle to go to the  bank a couple times a month to get cash for the money envelope.
2. There is risk in carrying cash around.  I recently went to the grocery store after stocking my envelope with cash.  I felt a bit uncomfortable pulling out the envelope and digging through $500 in cash to find the right bills to pay for $40 worth of groceries.  It would be easy for someone to grab the envelope and run, or to break into my car or house and steal the envelope.  However, I live in a safe neighborhood, so there is little actual risk of the cash being stolen.  I will probably be able to get comfortable with carrying some cash around with practice.
3. Dealing with change is a hassle.  It seems to take more time to count out bills to pay at the grocery store and then have the cashier deal with making correct change.  Credit cards are certainly a faster and easier way to pay.  But again, this is not about convenience- in some ways the envelope system is about making spending more inconvenient so you won't do it as much!
4. It is easy to end up at the store without your envelope.  What do you do then?  For maximum effectiveness of the envelope system, you should drive home and get the envelope.  However, what I have actually done is used a credit card from my wallet, kept track of the amount, and then adjusted the envelope later.  I couldn't deal with wasting money and time driving around when I could easily make up the difference and get back on track with the envelope system.

How Much Can You Save Using Cash Envelopes?

Again, I am just getting started with the envelope system, but I can see that we are saving money on food spending.  Knowing that you have a limited amount to spend that can run out, and being able to see when you are getting low on money in the envelope provides powerful feedback to help limit spending.  Using an envelope of cash for budgeting seems to be pretty simple and pretty effective.

If you don't want to deal with actually carrying cash around, there are software packages and apps for smart phones that can help you do envelope budgeting using credit cards or bank accounts.  The software helps keep track of your spending by category and provides a virtual envelope.  This would be more convenient than carrying cash around, but I do not think it would be as effective.  It is hard to spend "real money" and that is a good thing when you are trying to stay on a budget.

Keep Some Cash Around for Disasters

Another benefit of keeping an envelope of cash around is that it could function as an additional supply of emergency cash in case electronic transactions are not available.  We already keep some emergency cash around, but in an emergency the envelope would give us even more cash if needed.  In this case, by "emergency", I mean a situation where electronic funds are not available.  For example, cash could be the only way to make purchases if there is a widespread power outage or if electronic banking system get hacked or some other disaster occurs and credit cards and bank cards are not working.  Once during a flood and power outage, I saw people with credit cards and bank cards turned away from the grocery store.  Signs were taped to the door that said "cash only".  I think having some cash around at all times is a good idea.

Update:  Money Envelope Tips

Well, I have stayed with the money envelope system for several months now!  It is working to help keep us on target on our budget.  Here is an article I wrote with more tips on saving money with the money envelope system:
http://pennypincherjournal.blogspot.com/2015/03/envelope-budgeting-tips.html

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State Farm Credit Card- Looks Like a Good Deal!

State Farm Credit Card Offer

State Farm Credit Card- It's a Good Offer
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I get several credit card offers per week in the mail- sometimes even more than one per day.  Today I received a credit card offer that is a really a good deal.  It is a Visa State Farm Credit Card.  The offer was 2 years at 0.9% interest on balance transfers AND there is no balance transfer fee AND there is no annual fee.  Almost all of the credit card offers I get have a 3% balance transfer fee.  This would mean that if you transferred a $10,000 balance the fee would be $300.  I recycle any offers that charge a balance transfer fee.

The rate on purchases is 12.9% and the 0% introductory rate goes up to 12.9% after 2 years.

The State Farm Credit Card also has a benefit that you can get cash back if you use the State Farm Credit card to pay your State Farm Insurance bill.  The offer I received was a "pre-screened" offer that came in the mail.

Save Money on Your Insurance Bill- Use a State Farm Visa
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Of course, 0% interest would be even better than 0.9%, but you wouldn't pay much for interest compared with a $300 balance transfer fee.  The interest on a $10,000 balance transfer would be about $90 for 2 years if you pay it off.  If you check my math, it might not look like this adds up, but if you steadily pay down the balance over 2 years, the average balance would be $5,000 for 2 years.

This Is What a Good Credit Card Offer Looks Like...
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Seeing this credit card offer reminded me of a good way to save money on high interest credit cards- transfer balances with high interest rates to cards with low- or zero- interest and get them paid off.  Watch out for the transfer fee, which is typically 3% of the balance.  Also watch out for annual fees- some cards charge an annual fee of $50 or more, which I try to avoid unless the card has a really good points or travel miles program that offsets that cost.

If you have a credit card balance with a high interest rate, look for a deal like the State Farm Credit Card with $0 balance transfer fee, no annual fee, and a low interest rate.

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Almost Free Lunch- Only 4 Cents!

How Did I Get Lunch for 4 Cents?  Better Oats!

It is true that you can't get much for a penny these days, but I have my lunches taken care of for several months at only 4 cents each!

The cheap price is not the only good thing about my lunch plan for the new year- it is also quite healthy.

While picking up a few things at the grocery store for my wife's homemade chicken pot pies, I came across some boxes at the back of the grocery store with a sign that caught my attention.

Clearance Better Oats Oatmeal!
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I checked this out carefully to make sure each BOX with 5 packets of BetterOats oatmeal was being offered for 20 cents, rather than 20 cents per bag which would work out to $1 per box.  But the offer was in fact 20 cents per box, which is only 4 cents per bag of oatmeal.

The next thing I checked was the expiration date on the boxes.  Some expired in 2 months and others in 3 months.  I figured that I could eat quite a bit of oatmeal in 2 or 3 months and my kids like oatmeal as well.  My parents eat oatmeal every day too, so I decided to load up the cart.

Bulk Oatmeal is a Cheap Lunch and Snack!
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Cheap, Healthy, and Easy to Make at Work or at Home

I sent 10 boxes (50 packets) home with my parents and had about 15 boxes left.  After trying the blueberry muffin flavor, my kids informed me that 15 boxes would not be enough.  This was really high quality oatmeal with nice packaging and good ingredients like whole blueberries and flax seed.

I figured that the bargain oatmeal would be gone right away, but I happened to be in the store a few days later and there was still a good supply so I picked up about a dozen more boxes.

I have found that it is easy to make oatmeal at work.  Just pour the oatmeal in a paper cup, fill the bag with water (these bags have a mark for the correct amount of water), and microwave for about 65 seconds.

Check out this deal on Amazon for 52 packets of oatmeal:


I have been eating more than one packet of oatmeal per day, typically 2 or 3 packets so far this year.  There are several flavors including:

• Blueberry Muffin
• Apple Cinnamon
• Chai Spice
• Cinnamon Roll

The lesson I take from this is to keep an open mind about discounted items at the grocery store, but make sure you can use the clearance stuff before it gets too far "past code".

Plus I was reminded how much I like oatmeal and how healthy it is for you.  See if you can find some good deals on oatmeal- happy hunting!

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Work at Home as a Professional Penny Pincher!

Work at Home as a Professional Penny Pincher!

Work as a Professional Penny Pincher- the Money is Real!
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Surfing around on the Internet, I see all kinds of offers for programs to work at home and make some extra money. Most of the concepts I see seem difficult and may or may not work. For example, not everyone is cut out to sell things, make phone calls, or write marketing copy. I suspect many of the work-at-home schemes make money for the people selling the scheme, but not for the people who pay for the program and try to make money.

Here’s an easy work at home plan: make your second job focusing few hours a week on spending less money. Now that I think about it, I am a professional penny pincher! If getting paid to do something makes you a “professional”, then I am a professional penny pincher since I save money every day.

This article describes my daily routine that adds up to over $17,000 of savings per year. That works out to nearly $1,500 per month. You may be able to save this much or even more if you are willing to work at saving money for a few hours per week- think of penny pinching as a part-time job. This sounds like a good opportunity to me!

I’ll go ahead and put out an advertisement for professional penny pinchers, I think this would be a better way for people to end up with extra money each month than most of the work-at-home schemes out there. Of course, I’ll need to describe this work at home plan in flashy marketing language to compete with the fancy advertising for other work-at-home plans out there. Here goes:

Now Hiring: Professional Penny Pincher

Work at home, set your own hours, and make hundreds- or even thousands- of dollars per month. No experience required. No need to purchase any program or start-up materials. Become a Professional Penny Pincher- start today for free!

Find Ways To Spend Less Money as a Professional Penny Pincher!
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Is Professional Penny Pincher the Right Job for You?

So let’s review. You are interested in working at home a few hours a week to make extra money. You want something easy to do that doesn’t require spending money to get started. The opportunities out there seem to require purchasing a program or doing work that you would rather not do. Plus it seems questionable how much money you could make at the work-at-home jobs.


Now you have come across an ideal work at home job: Professional Penny Pincher. You don’t need to buy any program or start-up materials to get going. You don’t need any particular skills or experience. You can choose how much time to spend working as a penny pincher. Your time spent working as a penny pincher can make a lot of money for you with only a few hours of work each week. I think we have found the ideal work at home job for you!

Your Time Spent Saving Money Pays Well as a Penny Pincher
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How to get started as a Professional Penny Pincher

Here is a list of some expenses that many people can cut to get a jump-start on saving money immediately. Many people could cut thousands of dollars of expenses per year without much effort.

So you are ready to sign up- great! How do you get started? As with most things, getting started is the hard part. What should you do on your first day of work as a penny pincher? Since you are working at home, we can skip the tour of the building and showing you where the coffee maker and bathrooms are located...

The place to start is by thinking about your spending and attempting to separate spending into “needs” and “wants”. This task is difficult because there is often not a clear line between needs and wants, and also because you may view some of your “wants” as “needs”. You may be able to think of some expenses you could cut to spend less money with only a few minutes of thinking.

Since you are a “professional” penny pincher, you may want to go further and make a list of your expenses for the month. Some of the bigger expenses will be easy to list and you may even know the amounts already.

The quickest opportunity to save money right off the bat is often in the smaller expenses and unnecessary purchase you make out of habit. Since you have spending habits that are set, it may be difficult to see which purchases are unnecessary. Check out Penny Pincher Journal for specific ideas on ways to spend less money every day.

Some ways to spend less money do require effort, such as packing your own lunch or keeping track of coupons and shopping lists- but the payoff is high considering the amount of work required.

Over time, you can work at reducing your larger expenses. I have been able to move to a smaller house to save money on mortgage payments. You may also be able to get your car paid off and eliminate car payments as well.

Here's Where You Make Your Money as a Penny Pincher...

Next, bring income into the picture. As you find ways to spend less money, you will have more of this income left at the end of each month to save or invest. This is your payment for working as a professional penny pincher. If you calculate your hourly rate by dividing how much money you save by the number of hours you spend working at pinching pennies, being a penny pincher may be one of the highest paying work-at-home jobs around.

Working as a professional penny pincher has benefits that go beyond making money. You may find that you are eating healthier, have reduced stress, and have less clutter in your house. Good luck on your new part-time job as a professional penny pincher!

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Penny Pincher Skills- Improve Your Ability To Save Money

How Can You Improve Your Penny Pinching Skills?

Improve Your Skills at Saving Money
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It takes skills and abilities to be good at saving money instead of spending it.  Some abilities are more at the innate end of the spectrum, for example you may naturally be a patient person, or you may naturally be impatient.  However even something like patience can be improved with practice if you work at it.  Determination is another example of an innate trait that can be improved with work and through your circumstances.

Skills that can help you save money can be learned and improved.  For example, when I bought my first house I had no plumbing skills at all.  Over time, I learned to do more plumbing work.  Last week, I cut off copper supply pipes, removed a kitchen sink and sink base cabinet, and sweated on new shut-offs and installed new drain lines for the new sink.  I bet I saved well over $500 on plumbing bills by using skills to do something myself instead of paying someone else.

What Skills Help You Save Money?

If I were training you to improve at basketball, I would teach skills like passing, dribbling, shooting, and defense.  What skills can you work on to become a better penny pincher?  Here are some that come to mind:

Negotiation Skills:  There are many situations where having good negotiation skills can save you lots of money.  When buying a house, car, furniture, or other big ticket items there is often a lot of room for negotiation in the price.  The keys to successful negotiation are to understand the realistic market value of what you are buying and try to understand how you can sweeten the deal for the seller in ways other than paying more money.

Budgeting Skills:  Are you good at keeping track of expenses and how much you are spending?  Do you know where your money is going?  Some people seem to be naturally good at doing this, while other people struggle with keeping track of expenses.  No matter what your current skill level at budgeting, improving you budgeting skill can help you become more effective at saving money.

Home Improvement Skills:  There is a lot of opportunity to save money on maintaining and upgrading your house if you develop some home improvement skills.  You can save money if you can do simple electrical repairs and upgrades such as changing a faulty light switch or replacing a light fixture or ceiling fan yourself.  Plumbing skills, such as being able to replace copper fittings and install new sink drains, can save tons of money if you are planning upgrades to your kitchen or bathroom.  Painting yourself- both interior and exterior- can save you lots of money if you are able to do this work yourself.  The more landscaping and yard maintenance you can do yourself, the more money you’ll save.

Improve Your Home Improvement Skills to Save Money
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Couponing Skills: Coupons represent a lot of planning and work that people put into saving money.  It takes some time, effort, and organization to use coupons effectively- but the payoff is well worth the effort.   I would say that I use some sort of coupon of money-saving program almost every time I buy something.

Improve Your Skill at Using Coupons to Save Money
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“Smart Shopping” Skills:  I describe this skill as being able to accurately identify things that you need and obtain them at minimal cost.  This may involve shopping at clearance sales, or purchasing used items at consignment stores and thrift shops.  For example, today my wife found a pair of dress pants she can wear to work for $7 at a clearance sale.  This is a lot better than waiting until new pants are urgently needed and then risking paying full price for them.  A couple years ago, we had no chair in our living room and picked one up at a consignment shop for $38.  We would have paid 10x more at a furniture store.

Cooking Skills:  I’ll admit this is an area where I have a lot of room for improvement!  Fortunately my wife is good at cooking and enjoys doing it.  If you get good at making food at home, you can save a lot of money on eating out and eat healthier as well.

Gardening Skills:  Growing your own food provides a great feeling of independence, as well as an opportunity to save money on buying groceries.  If you are good at gardening, you can produce a lot of food using few resources.  If you are lucky, you grew up helping in the garden and know how to do it.  If not, you’ll need to read books and get tips from others who are good at gardening to increase your skills.

In the past, car maintenance skills may have made the list, but cars are so complex now that it is hard to work on them at home.  You can find coupons and get an oil change for under $20 which is hard to beat even if you do it yourself.  The oil change shops like to get your car in the door with a cheap oil change so they can recommend other repairs you may need while you are there.

Improve Your Penny Pincher Skills

So how can you improve your penny pinching skills?  Practice to improve your skills by taking on small projects or tasks and challenge yourself to see how well you can do.  Get some books at the library or read articles on the Internet to get up to speed on the knowledge required.  Choose a problem and see how well you can solve it while improving your skills at the same time.

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