Sunday was our 11 year wedding anniversary. Since money is tight we agreed not to exchange gifts but we did order an electronic gift card for Claim Jumper thanks to our Discover cash back rewards. We love their steaks so we tend to eat there once every few years, typically on our anniversary.

Then inertia struck. Sunday evening rolled around and we didn’t feel like going out so we ordered pizza (using our Lou Malnati’s gift card) and decided we’d visit Claim Jumper on Monday evening instead. We reasoned it wouldn’t be as crowded and since we had errands to run that day we’d already be out. Except on Monday we got up early, got our errands out of the way, and when dinnertime rolled around were busy with stuff around the house and didn’t feel like going out again.

So that’s how we did absolutely nothing to celebrate our anniversary. Woo hoo, marriage!

On the plus side when we are in the mood for a good steak we have the $50 gift card and shouldn’t spend too much out of pocket if we split a nice filet and another entree.

Since my unforeseen departure from my job in February, we’ve done a pretty good job (IMO) at cutting as many of our monthly expenses as we can. I thought I would outline the things we’ve done to accomplish that.



Okay, I’m taking a little latitude with this one since we switched to Magicjack a while ago, but it deserves to be mentioned! For less than $4 a month, it’s hard to beat unless you do away with a landline altogether. We could just cut the landline totally, but for me, having the comfort of a landline is worth the few bucks a month.

Car Insurance

In the category of it doesn’t hurt to ask, Nicole called our auto insurance agent and basically said, hey we’re driving much less now because Joe is out of work and I don’t drive much and we can’t afford what we have. What happened? They were able to drop our insurance by about $80 every 6 months. Call and ask, it doesn’t hurt!

Cell Phone

We switched to Ting Wireless back in April. Switching to Ting Wireless has by far been the best cost savings thing we have done so far. I wish we would have done it long ago. We used such little data and voice back in August, our bill was just over $30. That’s for two smartphones for a month! Compared to our $135/month AT&T bill, it makes me feel like I was getting robbed by AT&T. Check out Ting Wireless here.

Those are the ones that come to mind first. There have been several others which have definitely helped us save a few dollars over the last few months. We’ve wrote about several other things which may not add up to much right away, but they do contribute to our “blow” money. We use different reward programs such as Discover cashback, Shopkick, Bing, Swagbucks and survey places like Harris Polls and Pinecone research.


How’s your Tuesday going? Not too shabby here I suppose. See, Tuesday for me is cleaning day. Since being out of work I’ve taken on the bulk of the cleaning and cooking duties. I mean, rightfully so – I’m not working. Whomever is at home more should take on more weight of the household maintenance. And I don’t mind doing it; I have the cleaning down to an art, almost. I’m finishing up some laundry and I’m pretty much done for the day. BTW, dinner tonight is pesto salmon with rice and broccoli. If you haven’t tried the frozen salmon from Costco, you’re missing out.

I’ve had a couple of calls for interviews over the last two weeks. Both were for similar jobs to the last one I had. Two phone interviews so far at one company and a phone and a face-to-face at another. Haven’t heard back from either one yet, but that doesn’t surprise me. Sometimes the process can take some time. Even if it doesn’t work out, so be it. I’m not the type of person to get frustrated. To me, if it doesn’t work out that just means there’s something better on its way.

Unemployment compensation has run dry, and that really sucks. I’m still looking for jobs and applying on a near daily basis. I mentioned before I’ve been able to get in a couple of clinical studies in the past, and I was able to get into another one that starts next week. Those tend to pay pretty decent considering the number of hours invested. This one is about 50 total hours for $1,325. Not bad. I’m also considering contacting a former colleague whose SO has a company I think I can get a part-time gig with.

We’re going to be taking advantage of me being out of work and visit my family in Arizona next month. We haven’t seen them in some time, and I am really looking forward to it. My parents, sister, niece and her family are out there. We’re going to be spending about 8 days hanging out in the valley of the sun.


I remember when I was growing up – I had a passbook savings account. Some of you may not be old enough to remember those “passport” like books which you used as your savings account. I would collect $10 or $20 and go with my mom or dad to the bank so I could deposit my money and have my passbook updated showing my money grow. Of course then I didn’t have the appreciation for saving money, or money in general for that matter. But I can still remember how cool the feeling was to see my money in the passbook increase. That little nugget of a feeling still helps me today.

I’m not sure the options that were available back then to get a kid started with saving or investing. The passbook and savings bonds were all I had. They taught me some valuable lessons about interest and saving for things you want down the road.


Read More →

Happy Sunday Morning!

If you’re a DD Perks card holder with Dunkin’ Donuts, starting today (9/25) and for the whole week, you can get a free item each day. The freebie will drop into your DD Perks app and is redeemable at participating DDs. A pretty sweet deal. Yes, there’s mostly free coffee or tea, but if you’re a coffee/tea lover like me that’s perfect!


We’ll be heading out shortly to take advantage of today’s free item, an egg and cheese breakfast sandwich.

Don’t have a DD Perks card? No worries, you can pick one up at the store and add money to the card. Or even better, just download the app and you can join right from there. Note: in order to receive the freebies, you’ll need the DD Perks app as they put the free item into your “perks” section of the app. The app is pretty sweet though. You can add money directly to the app and use the QR code on the app to pay for your items. The best part is if you use the app regularly, you build points which are redeemed for drinks. Not a bad deal. Plus, they drop in some pretty sweet deals from time to time.



It’s been a while since I’ve mentioned anything going on with me and my work hunt. Well, my unemployment compensation is going to run out in about a month. That little tidbit has been really driving me to look a little harder and apply for more positions than I was previously.


We’ve been fortunate so far, in that between unemployment, Nicole’s job, and cutting back as much as we can on expenses, we haven’t had to dip into what savings we do have to make it through the month. But that opportunity is going to run out in about a month when unemployment goes away.

I’ve been able to score some survey and clinical trial work here and there. That’s helped a bit, especially the one trial that scored $625. But those are really just side hustles; I need to find something more permanent.

I’ve been updating my LinkedIn, searching Indeed, CareerBuilder, and Monster every day. Since not all businesses use one of these websites, I also started checking the websites of all the businesses in the area. I found a pretty easy method to do this. I pull up Google Maps of my local area. Clicking on a business on the map brings up that business’ information in the sidebar, including their website if they have one. Easy peasy. Then I just pan around the area clicking on the businesses and checking their website for postings. I was able to run through a few mile radius on the map of many businesses in a short time.

So the hunt continues!


Have you heard of Hoopla?

From the website:

Bringing you hundreds of thousands of movies, full music albums, audiobooks and more, hoopla is a revolutionary digital service made possible by your local library. From Hollywood blockbusters to best selling artists and authors – not just the hits, but the niche and hard-to-find as well – you’ll soon discover that hoopla provides you the freedom you’ve been searching for to experience, explore and enjoy what you want, when you want, and where you want. Simple to access and use, without the hassle of having to return the items you’ve borrowed, all you need is your library card, a web browser, smart phone or tablet to get started.

Our library just started offering access a year ago and at first I wasn’t using it because there didn’t seem to be much content. I happened to log in a few days ago and was amazed by how much it has improved. In fact, I was able to find somewhat rare albums in the music section – stuff the library itself doesn’t carry.

One thing I really like about Hoopla is that you can temporarily download a borrowed album to your device so you’re not using any data while listening. The only downside is your library sets a limit on how many items you can borrow each calendar month. In my case it’s ten. Given those limits, I wouldn’t necessarily advise using it to stream an entire season of a television show since you wouldn’t be able to binge watch it.

My biggest problem, which is a good one, is that there’s so much stuff I’d like to borrow that I had to create a favorites list which already has around thirty items on it.

OverDrive is a similar service although its main focus is on books. I like that you can download titles in e-reader format if you happen to dislike reading on a tablet (like I do). The downside to OverDrive is that your library only has a set number of licenses per digital copy so the title you want may not be available. Due to this I don’t use OverDrive as much; I end up going to the library and taking out a physical copy of the book inside. I haven’t come across this license issue using Hoopla; everything listed on the service is available right away.

In any case, I highly recommend both these services as an alternative to going to the library if that’s not your thing (or you’re just too busy).

I’m not sure about you guys, but this month just flew by for me. The beginning of September marks 6 months I’ve been out of work. I’ve been able to get a few side gigs for a few bucks here and there to help supplement my unemployment compensation. Mostly in the form of surveys and market research studies. I’ve been getting more aggressive with my job hunt lately as well as making changes to my resume in order to try and help bring in more interest.


I’m kind of ready for autumn, my favorite time of the year. The cooler weather, the fall colors, football, and hockey too! It also means we’ll be able to keep the windows open more frequently saving some money not running the AC or heat.

Here’s a recap of postings we had for August:

Garage Sale – Recap

It’s Not A Treat If You Have It Every Day

Social Security Numbers

College Costs

Joe’s Top Movies