2aHawaii

General Topics => Off Topic => Topic started by: DocMercy on April 27, 2022, 02:00:38 PM

Title: How is Everyone Saving Money?
Post by: DocMercy on April 27, 2022, 02:00:38 PM
Yeah, one of the worst times to be doing home improvement or buying cars. Gotta save money on other things, like gasoline and food. I'm using Safeway points for a 20 cent/gallon discount at Texaco. Getting bulk vegetables like broccoli and lettuce at Costco. Their roast chicken and pizza is an excellent bargain. I even shop at Sam's Club for Basmati rice and Coke in mini-cans. We try to combine shopping into the same trip, buying ammo, CDs, food, building supplies, etc., from stores that are nearby one another. Instead of buying a third house, we decided to go down the self-storage path.
Title: Re: How is Everyone Saving Money?
Post by: WTF?Shane on April 27, 2022, 02:11:12 PM
I don't have a social life, so I'm home most of the time.
Title: Re: How is Everyone Saving Money?
Post by: drck1000 on April 27, 2022, 02:33:18 PM
Been so busy and getting OT, so sort of positive double edged sword.  Haven't been going out nearly as much and lunch from home, so haven't been spending that much on "normal" living expenses.  But got various "bugs" for shooting, so much of that OT money going to new bolt guns, reloading components, .22 lr rifle and ammo, etc. . .

Work hard, play hard.  Otherwise, no sense. 
Title: Re: How is Everyone Saving Money?
Post by: Flapp_Jackson on April 27, 2022, 03:02:40 PM
If you have a credit card that offers rewards, especially cash back, that's basically a discount every time you make a qualifying purchase.

I always use my Costco Business account VISA for all Costco purchases.  I get a 2% rebate from Costco on everything I buy including gas & tires, PLUS I get another rebate from the Citibank Costco VISA card.

2022 rebates:
$  132.81    Costco Credit Card Reward
    197.72    Costco Gold Star Executive Rebate
---------------
$  330.53
=========

That's $330.53 I can use to offset the inflated prices of beef, gas, etc.  I also use a vacuum seal system to package and freeze meats in smaller portions for later use.

The Citi Credit Card Reward rebate can be used toward another purchase OR redeemed for ca$h.  The Costco member rebate is intended for use on future purchases, but if you ask the check-out person, they can ring up all but $1 on your Costco credit card and use the rebate certificate for the $1 amount.  That way you get credit minus a buck for your next year's rebates, and you get the amount of the certificate minus a buck in cash as change.  Otherwise, if you just pay for the purchase with the rebate certificate, and you get no credit toward your rebates.  Have to learn the system to take full advantage.

Together, I'm getting about 3-5% in rebates combined each year.  Inflation would have to rise above that to wipe out my savings at Costco completely.  I use that Costco VISA at other grocery and department stores, too.  In any event, the rebates more than pay for the annual membership fees, not to mention the deals you get over buying elsewhere.  The price of gas alone can save you hundreds depending on how much you and your family use.

With reward cards, the more you spend, the more you save!   :thumbsup: :geekdanc:
Title: Re: How is Everyone Saving Money?
Post by: GlockNewb on April 27, 2022, 03:03:36 PM
Soaking up as much O/T as my mind can handle. Limiting to 1-2 takeout meals per week maximum.

I’ll never forget Kevin o’Leary’s advice regarding coffee. Drinks it every day, refuses to buy it out when it costs $0.18 to make.

https://youtu.be/56XYThTXgOQ
Title: Re: How is Everyone Saving Money?
Post by: macsak on April 27, 2022, 03:10:41 PM
i don't own any firearms, ammo, reloading components, preps, comms, body armor...
Title: Re: How is Everyone Saving Money?
Post by: macsak on April 27, 2022, 03:12:42 PM
i just take the checks to customer service and they cash them...

If you have a credit card that offers rewards, especially cash back, that's basically a discount every time you make a qualifying purchase.

I always use my Costco Business account VISA for all Costco purchases.  I get a 2% rebate from Costco on everything I buy including gas & tires, PLUS I get another rebate from the Citibank Costco VISA card.

2022 rebates:
$  132.81    Costco Credit Card Reward
    197.72    Costco Gold Star Executive Rebate
---------------
$  330.53
=========

That's $330.53 I can use to offset the inflated prices of beef, gas, etc.  I also use a vacuum seal system to package and freeze meats in smaller portions for later use.

The Citi Credit Card Reward rebate can be used toward another purchase OR redeemed for ca$h.  The Costco member rebate is intended for use on future purchases, but if you ask the check-out person, they can ring up all but $1 on your Costco credit card and use the rebate certificate for the $1 amount.  That way you get credit minus a buck for your next year's rebates, and you get the amount of the certificate minus a buck in cash as change.  Otherwise, if you just pay for the purchase with the rebate certificate, and you get no credit toward your rebates.  Have to learn the system to take full advantage.

Together, I'm getting about 3-5% in rebates combined each year.  Inflation would have to rise above that to wipe out my savings at Costco completely.  I use that Costco VISA at other grocery and department stores, too.  In any event, the rebates more than pay for the annual membership fees, not to mention the deals you get over buying elsewhere.  The price of gas alone can save you hundreds depending on how much you and your family use.

With reward cards, the more you spend, the more you save!   :thumbsup: :geekdanc:
Title: Re: How is Everyone Saving Money?
Post by: changemyoil66 on April 27, 2022, 03:32:03 PM
Buying an EV worked out. At the time, premium gas was $3.66. Now it is 5.46.

Sent from my SM-G991U using Tapatalk

Title: Re: How is Everyone Saving Money?
Post by: DocMercy on April 28, 2022, 04:56:11 AM
Is EV or Solar PV worth it? I got burned on a few Chinese solar stocks, and felt their manufacturing quality left a little something to be desired. Most panels also degrade over time. Now, with an adult child in the home, who has no regard for turning off lights or electronic equipment, I wish I had solar on the roof. The boy is obsessed with Twitter, 24/7. For cars, I patiently wait for Honda to release an electric car. Nissan Leaf was a terrible experience for my friends.

Young homeowners, beware of the first house you buy. Stay away from pools and Bougainvillea. Too many high maintenance plants around the home will suck up your free time (i.e., stealing from your weapon practice time), or cost you money for a gardener. Explain to your kids (Bart Simpson) that everything in life costs you money, sooner or later.

For the young guys who are still working, take advantage of per diem, on travel. It's like tax-free money, when you avoid eating at Red Lobster. My friends who worked on Navy contracts would come away with over $150 net after a trip.
Title: Re: How is Everyone Saving Money?
Post by: RSN172 on April 28, 2022, 05:28:40 AM
Buying an EV worked out. At the time, premium gas was $3.66. Now it is 5.46.

Sent from my SM-G991U using Tapatalk
For me, NOT buying an EV or ANY new or used car, but keeping my 09 FX50 which just made 90k miles last week.  I would have to drive well over 150k miles before any EV savings would begin to kick in.  Since I only drive about 8k miles a year and I just made 72, the math doesn't work for me.

As far as food goes, once a month my daughter brings a lot of various goat fish, papio, even marlin that her and her cousin catch off Kauai on his boat. Good thing my wife and I love eating fish. I can't afford prime ribeye any more.
Title: Re: How is Everyone Saving Money?
Post by: QUIETShooter on April 28, 2022, 07:45:53 AM
I save money by living within my means.  I am lucky that my wife has the same mindset.

Over the years we have managed to save 750 Trillion dollars. ;)
Title: Re: How is Everyone Saving Money?
Post by: hvybarrels on April 28, 2022, 08:00:24 AM
I do my own mechanic work. Stay out of debt so I don’t pay interest. Started bodyboarding heavier waves so I don’t break as many boards.
Title: Re: How is Everyone Saving Money?
Post by: Lihikai on April 28, 2022, 08:02:59 AM
EV is worth it as long as the tax credits are available.  Get a few free quotes from solar companies.  The quotes will have the ROI/payback on them.  Some solar companies have agreements with local financial institutions for no interest loans.

Is EV or Solar PV worth it? I got burned on a few Chinese solar stocks, and felt their manufacturing quality left a little something to be desired. Most panels also degrade over time. Now, with an adult child in the home, who has no regard for turning off lights or electronic equipment, I wish I had solar on the roof. The boy is obsessed with Twitter, 24/7. For cars, I patiently wait for Honda to release an electric car. Nissan Leaf was a terrible experience for my friends.

Young homeowners, beware of the first house you buy. Stay away from pools and Bougainvillea. Too many high maintenance plants around the home will suck up your free time (i.e., stealing from your weapon practice time), or cost you money for a gardener. Explain to your kids (Bart Simpson) that everything in life costs you money, sooner or later.

For the young guys who are still working, take advantage of per diem, on travel. It's like tax-free money, when you avoid eating at Red Lobster. My friends who worked on Navy contracts would come away with over $150 net after a trip.
Title: Re: How is Everyone Saving Money?
Post by: stangzilla on April 28, 2022, 08:28:46 AM
I only drive my Mustang a 1/4 mile at a time  O0
Title: Re: How is Everyone Saving Money?
Post by: stangzilla on April 28, 2022, 08:32:46 AM
I shoot more 22LR
Reload for my more expensive ammo like 44 and 357
Eat ramen with spam
Eat more pork chops instead of ribeye
Title: Re: How is Everyone Saving Money?
Post by: oldfart on April 28, 2022, 08:49:45 AM
I cook or prepare most all my own meals with fresh ingredients.
Both my son and daughter told me that they prefer to prepare their own food for health reasons.
When you make your own meals it's also easier to control the amount that you eat.
Title: Re: How is Everyone Saving Money?
Post by: QUIETShooter on April 28, 2022, 09:09:10 AM
I also watch the weekly sales at the grocery store.  Usually there are sales on bulk purchases, like pork shoulder and chuck roasts.

Like Flapp, I break them down to smaller (usually 1 lb.) portions and freeze them for future meals.

I also garden now that I'm retired.  I don't throw anything away: I re-use potting soil, compost vegetable clippings, egg shells, and even use washed rice water to fertilize the plants.  I installed a rain barrel system that catches water from my gutters.

It also helps if you don't mind eating leftovers every once in a while during the week.
Title: Re: How is Everyone Saving Money?
Post by: macsak on April 28, 2022, 09:21:23 AM
if you or any other member wants composting worms, just let me know
i am giving a bunch to a member this weekend...

I also watch the weekly sales at the grocery store.  Usually there are sales on bulk purchases, like pork shoulder and chuck roasts.

Like Flapp, I break them down to smaller (usually 1 lb.) portions and freeze them for future meals.

I also garden now that I'm retired.  I don't throw anything away: I re-use potting soil, compost vegetable clippings, egg shells, and even use washed rice water to fertilize the plants.  I installed a rain barrel system that catches water from my gutters.

It also helps if you don't mind eating leftovers every once in a while during the week.
Title: Re: How is Everyone Saving Money?
Post by: Rocky on April 28, 2022, 09:31:43 AM
Claimed 1.7 million migrants from around the world who crossed the border as dependents on my 2021 taxes.
Title: Re: How is Everyone Saving Money?
Post by: GlockNewb on April 28, 2022, 10:45:16 AM
Good “financial” channel on YouTube. No formal financial education, but made a lot of good financial decisions during his time (crypto, precious metals, etc) and recently bought a house.

https://youtu.be/pP7ykvibwi0
Title: Re: How is Everyone Saving Money?
Post by: GlockNewb on April 28, 2022, 10:46:37 AM

I also garden now that I'm retired.  I don't throw anything away: I re-use potting soil, compost vegetable clippings, egg shells, and even use washed rice water to fertilize the plants.  I installed a rain barrel system that catches water from my gutters.

It also helps if you don't mind eating leftovers every once in a while during the week.

Do you have any experience with fungal gnats and how to erradiacte them?? I tried to grow potatoes in pots on my apartment balcony, failed due to bolting and fungal gnats everywhere.
Title: Re: How is Everyone Saving Money?
Post by: changemyoil66 on April 28, 2022, 12:00:25 PM
Is EV or Solar PV worth it? I got burned on a few Chinese solar stocks, and felt their manufacturing quality left a little something to be desired. Most panels also degrade over time. Now, with an adult child in the home, who has no regard for turning off lights or electronic equipment, I wish I had solar on the roof. The boy is obsessed with Twitter, 24/7. For cars, I patiently wait for Honda to release an electric car. Nissan Leaf was a terrible experience for my friends.

Young homeowners, beware of the first house you buy. Stay away from pools and Bougainvillea. Too many high maintenance plants around the home will suck up your free time (i.e., stealing from your weapon practice time), or cost you money for a gardener. Explain to your kids (Bart Simpson) that everything in life costs you money, sooner or later.

For the young guys who are still working, take advantage of per diem, on travel. It's like tax-free money, when you avoid eating at Red Lobster. My friends who worked on Navy contracts would come away with over $150 net after a trip.

IDK if companies still do this, but I had a friend about 8 years ago lease a PV system. Instead of spending  $20K on it, he pays the PV company monthly that includes his electric usage.  He went from $400's a month to under $100.  And if the panels got damaged, he wasn't responsible for them. So he didn't have to increase his homeowners insurance coverage and pay more.

For EV, it's up to the individual to do the math. I know a guy with a 4Runner that spends $400 a week on gas, but he loves his 4Runner and refused to drive anything else.
Title: Re: How is Everyone Saving Money?
Post by: Oyabunsan on April 29, 2022, 03:32:05 AM
Hello all. Good to be back! Enjoyed reading your posts.   I personally buy live young cow and process it myself. Whole cow costs approx. $1.10/lb at an average of 400lbs.  Nothing goes to waste.  I oftentimes split the meat 50/50 with a friend so meat doesn’t stay in my freezer too long. Best part is I get to eat the beef cuts I want at a fraction of the cost.
Oh, also, my old mentor says just earn more money and spend wisely.  He didn’t say anything about saving money…
Aloha!

Title: Re: How is Everyone Saving Money?
Post by: QUIETShooter on April 29, 2022, 05:50:49 AM
Quote from: GlockNewb link=topic=45675.msg421150#msg421150 date=16, 51178797
Do you have any experience with fungal gnats and how to erradiacte them?? I tried to grow potatoes in pots on my apartment balcony, failed due to bolting and fungal gnats everywhere.

No, sorry.  I had the same problem when I tried growing potatoes in pots also.  After all the effort and fuss what little I produced were rotten and mildewy.  I decided it's not worth the effort.

I'm still a novice to gardening and am experiencing the usual aches and pains, lol!
Title: Re: How is Everyone Saving Money?
Post by: RSN172 on April 29, 2022, 07:20:42 AM
Hello all. Good to be back! Enjoyed reading your posts.   I personally buy live young cow and process it myself. Whole cow costs approx. $1.10/lb at an average of 400lbs.  Nothing goes to waste.  I oftentimes split the meat 50/50 with a friend so meat doesn’t stay in my freezer too long. Best part is I get to eat the beef cuts I want at a fraction of the cost.
Oh, also, my old mentor says just earn more money and spend wisely.  He didn’t say anything about saving money…
Aloha!
I was thinking of doing that, but I like the flavor of grain fed beef. I would keep the front quarters and back for myself, the back quarters and organs I would give to my dogs.
Title: Re: How is Everyone Saving Money?
Post by: changemyoil66 on April 29, 2022, 09:23:09 AM
I was thinking of doing that, but I like the flavor of grain fed beef. I would keep the front quarters and back for myself, the back quarters and organs I would give to my dogs.

Group buy.  :rofl:
Title: Re: How is Everyone Saving Money?
Post by: RSN172 on April 29, 2022, 11:56:10 AM
Group buy.  :rofl:
Yeah but who like end up with the hind quarter.  Ok, I take one for the team and buy all the hind quarters for 50 cents a lb. My dogs will be happy.
Title: Re: How is Everyone Saving Money?
Post by: hvybarrels on April 29, 2022, 01:19:53 PM
Yeah but who like end up with the hind quarter.  Ok, I take one for the team and buy all the hind quarters for 50 cents a lb. My dogs will be happy.

Same here. Dogs gotta eat.
Title: Re: How is Everyone Saving Money?
Post by: Oyabunsan on April 29, 2022, 03:53:16 PM
Yeah but who like end up with the hind quarter.  Ok, I take one for the team and buy all the hind quarters for 50 cents a lb. My dogs will be happy.

Would normally cut the cow in the middle so more or less 50:50.  Either 50:50 on the innards or one takes it all and the other gets the head and trotters up to the beginning of the front/rear shank plus the tail.  Then alternate on the next trip depending.  Heart, liver, and lungs are my favorite and kids get the best part of the liver and heart.  My dog gets a piece of everything; his favorite the trachea and tripe.


Title: Re: How is Everyone Saving Money?
Post by: Pancakes on April 29, 2022, 04:34:11 PM
I just bought a Trijicon VCOG  :thumbsup:
Saves money, because with inflation it’ll be $10 k in a few months. Lol
Title: Re: How is Everyone Saving Money?
Post by: RSN172 on April 29, 2022, 04:42:47 PM
Same here. Dogs gotta eat.
Yeah, I just pau cook for my dogs. I buy plenty Normandy vegetables and chicken thighs and oatmeal. I feed them half of that and half high end kibble.  When I see people buying those 55 lb bags of dog food for $23, I think, poor dogs.  But getting back to cattle, I just found out my good friend is raising cattle and shipping them to the mainland.  He lives only 3 miles from me, but his cattle is about 40 miles away.  I gotta get used to eating the grass fed beef.
Title: Re: How is Everyone Saving Money?
Post by: Brystont1 on April 30, 2022, 08:06:15 AM
Hello all. Good to be back! Enjoyed reading your posts.   I personally buy live young cow and process it myself. Whole cow costs approx. $1.10/lb at an average of 400lbs.  Nothing goes to waste.  I oftentimes split the meat 50/50 with a friend so meat doesn’t stay in my freezer too long. Best part is I get to eat the beef cuts I want at a fraction of the cost.
Oh, also, my old mentor says just earn more money and spend wisely.  He didn’t say anything about saving money…
Aloha!

Good idea. Do you let the carcass hang and age for a bit before you process?
Title: Re: How is Everyone Saving Money?
Post by: hvybarrels on April 30, 2022, 01:02:39 PM
Here's some good advice from activist post:

https://www.activistpost.com/2022/04/tried-and-true-tips-for-surviving-a-turbulent-economy.html

Bottom line is being poor takes practice
Title: Re: How is Everyone Saving Money?
Post by: dogman on April 30, 2022, 03:22:09 PM
Good idea. Do you let the carcass hang and age for a bit before you process?
Helped a friend slaughter a cow a long long time ago. He took the carcass to a house in Kaneohe where the butcher stored it in a refrigerator for two weeks before applying his trade.
Title: Re: How is Everyone Saving Money?
Post by: Oyabunsan on May 01, 2022, 04:55:07 PM
Good idea. Do you let the carcass hang and age for a bit before you process?

Certain parts of carcass I let hang for 3 days, 1 week tops. I only buy young cow so the meat is naturally tender. The fat content is average so 3 days should be good but I do let it hang up to 7 days on occasion. 
Title: Re: How is Everyone Saving Money?
Post by: Oyabunsan on May 01, 2022, 05:18:02 PM
Sharing another:
We’ve been making our own “laundry detergent/soap” for over 10 years now.  We make 5-gallon batches and average cost to make that is less than $5.  We use 8-16oz per load and lasts us several weeks or few months.  Smells good and smells clean.  Fabric is soft so no need softener. 
You can google the ingredients and formulas but what we use are: 1 zote bar soap finely grated, 2 cups washing soda,  1.5 cups borax, and 1 cup oxi-clean powder (optional).  Melt the soap in water over medium heat. Once melted, mix the dry ingredients until all are dissolved, then pour in 5-gal bucket. Fill the bucket with warm water and stir. 
All can be bought locally from Walmart. 
This is a money-saver for us for sure. 


Title: Re: How is Everyone Saving Money?
Post by: oldfart on May 01, 2022, 10:26:47 PM
I reload my own ammo for practice or shootin' matches.
For my house gun, I buy the Speer GD 9mm stuff for that.
Title: Re: How is Everyone Saving Money?
Post by: changemyoil66 on May 02, 2022, 12:56:06 PM
I reload my own ammo for practice or shootin' matches.
For my house gun, I buy the Speer GD 9mm stuff for that.

Do you find that since you reload and it's cheaper than buying factor ammo, you shoot more?
Title: Re: How is Everyone Saving Money?
Post by: astroboy on May 02, 2022, 05:27:27 PM
Do you have any experience with fungal gnats and how to erradiacte them?? I tried to grow potatoes in pots on my apartment balcony, failed due to bolting and fungal gnats everywhere.

I had some success with the mosquito dunk in addition to the neem oil and soap solution. It is a never ending battle against the insects and
birds when you try to grow your own food. I am winning the war against the white flies, flea beetles, and mango flower beetles. The fungal gnats are a real pest. I try to avoid chemical pesticides for obvious reasons. Keep trying to grow your own food if you can. It can be challenging but it is worth the effort.

https://youtu.be/VWJMROuf2TI
 

Title: Re: How is Everyone Saving Money?
Post by: ren on May 02, 2022, 06:26:39 PM
I save extra ketchup packets and napkins from fast food places. I go around Costco several times for free samples during lunch and dinner
Title: Re: How is Everyone Saving Money?
Post by: dogman on May 02, 2022, 08:05:55 PM
Do you find that since you reload and it's cheaper than buying factor ammo, you shoot more?
I don't shoot more because I reload but I would shoot less if I had to buy factory ammo. ???
Title: Re: How is Everyone Saving Money?
Post by: GlockNewb on May 02, 2022, 09:23:53 PM
I had some success with the mosquito dunk in addition to the neem oil and soap solution. It is a never ending battle against the insects and
birds when you try to grow your own food. I am winning the war against the white flies, flea beetles, and mango flower beetles. The fungal gnats are a real pest. I try to avoid chemical pesticides for obvious reasons. Keep trying to grow your own food if you can. It can be challenging but it is worth the effort.


“Never ending battle,” that’s where I had to stop my gardening project. I’ve been doing 10-15 o/t hours weekly at my job since I started…pandemic just pushed that to 20-30 o/t hours weekly and for the foreseeable future. Doesn’t leave enough time to regularly tend to plants.
Title: Re: How is Everyone Saving Money?
Post by: oldfart on May 02, 2022, 09:30:20 PM
Do you find that since you reload and it's cheaper than buying factor ammo, you shoot more?
...
Sure you shoot more.
That's how you get more proficient.
Isn't that the whole idea?
Title: Re: How is Everyone Saving Money?
Post by: RSN172 on May 02, 2022, 09:32:45 PM
I save extra ketchup packets and napkins from fast food places. I go around Costco several times for free samples during lunch and dinner
Just hit the funerals and make yourself a plate. Nobody knows if you were a friend of the deceased or not. 
Title: Re: How is Everyone Saving Money?
Post by: astroboy on May 03, 2022, 08:56:39 AM
more ways to deal with fungus gnats

https://youtu.be/LtqoAr2hX3Y
Title: Re: How is Everyone Saving Money?
Post by: stangzilla on May 03, 2022, 12:07:19 PM
lately I've been cashing in my credit card rewards points for safeway gift cards emailed to me.  gets to my email instantly
I haven't cashed in on my rewards points for years so I have a good amount that I can cash in on.  I figure now is a good time to cash in
Title: Re: How is Everyone Saving Money?
Post by: stangzilla on May 03, 2022, 12:17:08 PM
a few years ago I thought to myself, I am going to save money by buying a 22LR pistol and shoot more 22LR instead of a lot of centerfire ammo
so I buy a $700 22LR pistol, add a $300 red dot optic.  now it's a $1k gun
maybe in 5-10 years it will pay for itself
that was just an excuse that I talked myself into getting another 22 firearm  :thumbsup:
Title: Re: How is Everyone Saving Money?
Post by: Direjackalope on May 03, 2022, 12:21:39 PM
Stop using tobacco. If you can’t stop tobacco then swallow your chew spit to get the same buzz on less product.
Title: Re: How is Everyone Saving Money?
Post by: QUIETShooter on May 04, 2022, 06:25:56 AM
This may sound gross to some of you but it works for me because I'm retired and it's only me and my wife in the house and she still works.

Anyway, I pee in the toilet all day without flushing.  Then just before my wife comes home from work I flush the toilet.

Saves on water bills (but more importantly, saves on a precious resource).

My wife plans to retire towards the ending of this year.  I'm not so sure she's keen to this idea.
Title: Re: How is Everyone Saving Money?
Post by: groveler on May 04, 2022, 06:47:48 AM
This may sound gross to some of you but it works for me because I'm retired and it's only me and my wife in the house and she still works.

Anyway, I pee in the toilet all day without flushing.  Then just before my wife comes home from work I flush the toilet.

Saves on water bills (but more importantly, saves on a precious resource).

My wife plans to retire towards the ending of this year.  I'm not so sure she's keen to this idea.
What you do is the norm in my house, I live on Catchment.
I also pee outside, like the rest of my animals.

Biggest thing is to become debt free.  Save all that money you waste in interest.
I retired at age 55.  It works, even in Hawaii.
Never buy new cars.
Fix all your own stuff.
The dump can be a gold mine.
Use it up, wear it out, and then make do.
 :thumbsup:

Title: Re: How is Everyone Saving Money?
Post by: astroboy on May 04, 2022, 07:50:34 AM
What you do is the norm in my house, I live on Catchment.
I also pee outside, like the rest of my animals.

Biggest thing is to become debt free.  Save all that money you waste in interest.
I retired at age 55.  It works, even in Hawaii.
Never buy new cars.
Fix all your own stuff.
The dump can be a gold mine.
Use it up, wear it out, and then make do.
 :thumbsup:

Absolutely pay off your debts asap. As interest rates rise this becomes even more critical.
Inflation will punish those with debts and especially those with adjustable rate loans.
I built a reloading table mostly from scrap pieces of lumber. I did have to buy a 2'x4'x3/4" sheet
of ply wood. I did not want to buy a whole 4'x8' sheet. lumber prices are high and it will go higher.
Title: Re: How is Everyone Saving Money?
Post by: drck1000 on May 04, 2022, 08:27:18 AM
Stop using tobacco. If you can’t stop tobacco then swallow your chew spit to get the same buzz on less product.
I quit cigars a while ago.  Now if I could give up alcohol, would save a lot of money, and lose some weight. . .  :(  ;D
Title: Re: How is Everyone Saving Money?
Post by: changemyoil66 on May 04, 2022, 08:41:56 AM
Have you run a test on how much $ per month not flushing saves? I did with my Xbox plugged in. It's a $20 a month difference.
Title: Re: How is Everyone Saving Money?
Post by: drck1000 on May 04, 2022, 09:07:00 AM
Have you run a test on how much $ per month not flushing saves? I did with my Xbox plugged in. It's a $20 a month difference.
If it's yellow, keep it mellow.  If it's brown, flush it down.

I don't do that, but I know quite a few who do. 
Title: Re: How is Everyone Saving Money?
Post by: RSN172 on May 04, 2022, 09:15:17 AM
This may sound gross to some of you but it works for me because I'm retired and it's only me and my wife in the house and she still works.

Anyway, I pee in the toilet all day without flushing.  Then just before my wife comes home from work I flush the toilet.

Saves on water bills (but more importantly, saves on a precious resource).

My wife plans to retire towards the ending of this year.  I'm not so sure she's keen to this idea.
I use a bottle at night so I don't have to get out of bed.  I use a Pinalen bottle.  I used to use a 32 oz Gatorade bottle but the opening was a tight fit.  ;)  we have catchment and lots of rain so I don't worry about water.  Most of the time when it rains the overflow pipe on my 10k gal tank is shooting out water.
Title: Re: How is Everyone Saving Money?
Post by: Flapp_Jackson on May 04, 2022, 11:53:00 AM
When I was young, we always had a brick or two inside the toilet tank.  The water it displaced for a household of 6 really added up.  If you want, figure out the volume of a standard brick, then multiply that by the number of flushes in a month. That's how much water you didn't use.

Now they make these dual flush toilets.  I installed them in my house here.  I find it's too easy to  get into the habit of pushing the "#2" button for every flush just for that extra level of confidence.


Title: Re: How is Everyone Saving Money?
Post by: changemyoil66 on May 04, 2022, 11:56:43 AM


Now they make these dual flush toilets.  I installed them in my house here.  I find it's too easy to  get into the habit of pushing the "#2" button for every flush just for that extra level of confidence.

In my first trip to Taiwan around 2017 or so, almost all the toilets had this option.  Residence, Starbucks, 7-11, train station, etc...What's even grosser is the floor toilets, you have to toss the used TP in the trashcan next to the hole.  Thank god I always was able to find a Western style toilet.  But many Western toilets still had a covered mini trash can inside the stall, I guess because people were not used to flushing TP.
Title: Re: How is Everyone Saving Money?
Post by: Flapp_Jackson on May 04, 2022, 12:16:03 PM
In my first trip to Taiwan around 2017 or so, almost all the toilets had this option.  Residence, Starbucks, 7-11, train station, etc...What's even grosser is the floor toilets, you have to toss the used TP in the trashcan next to the hole.  Thank god I always was able to find a Western style toilet.  But many Western toilets still had a covered mini trash can inside the stall, I guess because people were not used to flushing TP.

Actually, many countries don't include the ability to handle TP in their sewage treatment plants.  Paper becomes a major problem for the treatment and recycling of waste water.

https://brilliantmaps.com/flush-toilet-paper/
Title: Re: How is Everyone Saving Money?
Post by: changemyoil66 on May 04, 2022, 12:23:46 PM
Actually, many countries don't include the ability to handle TP in their sewage treatment plants.  Paper becomes a major problem for the treatment and recycling of waste water.

https://brilliantmaps.com/flush-toilet-paper/

You sir amaze me with your google-fu and the fact that someone made a webpage about it.
Title: Re: How is Everyone Saving Money?
Post by: Flapp_Jackson on May 04, 2022, 12:53:53 PM
You sir amaze me with your google-fu and the fact that someone made a webpage about it.

"The mind is a terrible thing ..."

 :thumbsup: :geekdanc:
Title: Re: How is Everyone Saving Money?
Post by: Rocky on May 05, 2022, 12:37:45 PM

Use it up, wear it out, and then make do something else with it or strip it for parts.
 :thumbsup:
I am TOTALLY pake for a phlip
Title: Re: How is Everyone Saving Money?
Post by: Rocky on May 05, 2022, 12:41:56 PM
Most of the time when it rains the overflow pipe on my 10k gal tank is shooting out water.
Is this the bidet you always speak of  ?  :rofl: :rofl: :rofl:
Title: Re: How is Everyone Saving Money?
Post by: groveler on May 05, 2022, 01:09:31 PM
Is this the bidet you always speak of  ?  :rofl: :rofl: :rofl:
I have 34,000 gallons of storage.
I'm a prepped sort of guy.
No Bidet.
Navy style showers only.
Waste not, want not.
 :thumbsup:

Title: Re: How is Everyone Saving Money?
Post by: QUIETShooter on May 06, 2022, 05:44:08 AM
What you do is the norm in my house, I live on Catchment.
I also pee outside, like the rest of my animals.

Biggest thing is to become debt free.  Save all that money you waste in interest.
I retired at age 55.  It works, even in Hawaii.
Never buy new cars.
Fix all your own stuff.
The dump can be a gold mine.
Use it up, wear it out, and then make do.
 :thumbsup:

Roger that! :shaka:

You mentioning the The Dump can be a Gold Mine.  Brings back memories of the old days where there were several dumps on Oahu.  Not like the convenience centers they have now run by the County but actual land where people used to just dump their sh*t.  Some of the dumps were legal but most of them were just random places that people used to dump stuff.

Used to love to rummage amongst the stuff.  I used to find tools, bicycle parts, broken fishing poles I would fix, all kinds of junk.  Someone's trash is another one's treasure.
Title: Re: How is Everyone Saving Money?
Post by: RSN172 on May 06, 2022, 07:12:44 AM
The city and county dumps are only a gold mine for the workers there.  Oahu ones have signs that say no scavenging and I have seen workers on the BI stop people from dumpster diving. That makes sense because of liability concerns in the sue happy world we live it.  No one wants to take responsibility for their actions.   It is always somebody else's fault why they got hurt.
Title: Re: How is Everyone Saving Money?
Post by: QUIETShooter on May 06, 2022, 09:12:58 AM
The city and county dumps are only a gold mine for the workers there.  Oahu ones have signs that say no scavenging and I have seen workers on the BI stop people from dumpster diving. That makes sense because of liability concerns in the sue happy world we live it.  No one wants to take responsibility for their actions.   It is always somebody else's fault why they got hurt.

Yeah, I remember the workers at the Convenience Center would scout our load of junk that we wanted to dump to see if there was something they liked.

One time we had some kiddy bicycles and they told us:  "Put them over here", next to their office.  Another time they wanted an old school desk and a folding table that had 2 broken legs, lol!!

But now I noticed they don't scout people's junk anymore.  I wonder if they were instructed not to.
Title: Re: How is Everyone Saving Money?
Post by: oldfart on May 06, 2022, 10:04:04 AM
It's been pretty dry lately and my grass is all brown.
It would be nice to reclaim some grey water from the kitchen or shower to water the yard.
IIRC there is supposed to be some sort of health hazard in doing that.
Title: Re: How is Everyone Saving Money?
Post by: ren on May 06, 2022, 11:29:47 AM
It's been pretty dry lately and my grass is all brown.
It would be nice to reclaim some grey water from the kitchen or shower to water the yard.
IIRC there is supposed to be some sort of health hazard in doing that.

in the midst of recycling laundry water. I have a 1/4 sump pump, float switch and a barrel
Title: Re: How is Everyone Saving Money?
Post by: oldfart on May 06, 2022, 11:37:55 AM
I am TOTALLY pake for a phlip
==============
quote from my pake classmate....

"You don't have to be pake to be pake"
Title: Re: How is Everyone Saving Money?
Post by: drck1000 on May 06, 2022, 11:40:06 AM
 ;D
Title: Re: How is Everyone Saving Money?
Post by: DocMercy on May 12, 2022, 08:46:45 AM
I have a relative who lives on the North Shore. She has been arrested for misdemeanor trespassing during the Covid crisis, so no big deal getting cited for combing a beach for treasure. Where can we get a cheap metal detector?

https://www.youtube.com/watch?v=8wS24qshUuQ (https://www.youtube.com/watch?v=8wS24qshUuQ)

When Opala.org had fixed days for bulky pickup, it was a lot easier to scavenge for materials from the curbside lawns of homeowners. My wife would drive around looking for furniture, appliances, etc. She found a hardwood footboard that could have been sold to a cabinet maker. Electronics gear can be fixed by hobbyists, and then sold at swap meets. I told the woman to stop cruising Kahala, Hawaii Kai, and Waialae Iki for junk, when I was employed. But now, she good to go back.  :wacko:

Whenever you need to buy new, try to find the best bargain in a store. This plastic bin is the least expensive Sterilite bin at Walmart. Perfect for shoes, sewing kits, or storing gun-related parts like red dot sites.

https://www.walmart.com/ip/Sterilite-6-Quart-Storage-Box-White/15442432?athbdg=L1600 (https://www.walmart.com/ip/Sterilite-6-Quart-Storage-Box-White/15442432?athbdg=L1600)

Title: Re: How is Everyone Saving Money?
Post by: aletheuo137 on May 13, 2022, 12:20:27 PM
Any and every where we can. Minimize and combine trips far away. Drink more water and homemade tea. Reload ammo but range too far and gas too expensive. Found other options in shooting, doing more side work but materials going up. Pulling money off the money tree growing in the backyard.

Sent from my SM-A102U using Tapatalk

Title: Re: How is Everyone Saving Money?
Post by: changemyoil66 on May 13, 2022, 12:38:32 PM
Any and every where we can. Minimize and combine trips far away. Drink more water and homemade tea. Reload ammo but range too far and gas too expensive. Found other options in shooting, doing more side work but materials going up. Pulling money off the money tree growing in the backyard.

Sent from my SM-A102U using Tapatalk

I've been shooting slightly more cause the cost of ammo dropped since covid panic 2020. Case 9mm pecovid was like $189-$220. 2020 went to $500+. Found SEC a few months ago for $480. Same with 223/556. Was in the $800's. Now low $700's or less. Guess it's all relative since the past 2 years, prices were super high.
Title: Re: How is Everyone Saving Money?
Post by: GlockNewb on May 13, 2022, 01:21:23 PM
Bought a case of aluminum 9mm from Young Guns sometime in April, $400
Title: Re: How is Everyone Saving Money?
Post by: aletheuo137 on May 13, 2022, 01:35:28 PM
I've been shooting slightly more cause the cost of ammo dropped since covid panic 2020. Case 9mm pecovid was like $189-$220. 2020 went to $500+. Found SEC a few months ago for $480. Same with 223/556. Was in the $800's. Now low $700's or less. Guess it's all relative since the past 2 years, prices were super high.
I have 50 9mm if you get tazed!

Sent from my SM-A102U using Tapatalk

Title: Re: How is Everyone Saving Money?
Post by: Direjackalope on May 13, 2022, 04:49:08 PM
https://www.khon2.com/local-news/hawaii-actor-launches-his-own-cryptocurrency/

This seems like a savings plan that some of you gents might be interested in.
Title: Re: How is Everyone Saving Money?
Post by: QUIETShooter on May 15, 2022, 09:46:45 AM
I mentioned I'm kinda new to gardening; only dived into it a couple of years ago when I retired.  I'm trying to garden effectively where the money spent on amendments, fertilizer, and stuff like containers will be offset by the bounty of the harvest.

Well, it's easier said than done.  I started really thinking out what to grow because in the past years I've found some veggies are not worth trying to grow.  For me anyway.  So I try to grow stuff that will pay off and yet still be something that I like to eat.

I found that Kale is very easy to grow, grows abundantly, and is a multi-producer.  Meaning you can pick the outer leaves and more will grow in it's place.  At first I wasn't keen to growing Kale since it's really a bland veggie until I started using it as a replacement for rice.

Rice has risen in price lately and even Kale in the produce department is pretty expensive.  So now Kale is my side whenever I cook fish, chicken, pork, or beef.

Gonna try to grow Collards this summer as Kale is usually a cool season crop.  I like Collards also.

So far the worthwhile crops to grow for me is Pak Choy (actually all oriental cabbage greens) string beans, Daikon radish, and cherry tomatoes.

As a aside, rice is now $12.99 per 15 lb. bag WHEN ON SALE. :grrr:  Just last year it was $9.99.  Gone are the days back in the '80's and '90's when rice was $3.99 for a 25 lb. bag.
Title: Re: How is Everyone Saving Money?
Post by: astroboy on May 15, 2022, 03:49:32 PM
I mentioned I'm kinda new to gardening; only dived into it a couple of years ago when I retired.  I'm trying to garden effectively where the money spent on amendments, fertilizer, and stuff like containers will be offset by the bounty of the harvest.

Well, it's easier said than done.  I started really thinking out what to grow because in the past years I've found some veggies are not worth trying to grow.  For me anyway.  So I try to grow stuff that will pay off and yet still be something that I like to eat.

I found that Kale is very easy to grow, grows abundantly, and is a multi-producer.  Meaning you can pick the outer leaves and more will grow in it's place.  At first I wasn't keen to growing Kale since it's really a bland veggie until I started using it as a replacement for rice.

Rice has risen in price lately and even Kale in the produce department is pretty expensive.  So now Kale is my side whenever I cook fish, chicken, pork, or beef.




Gonna try to grow Collards this summer as Kale is usually a cool season crop.  I like Collards also.

So far the worthwhile crops to grow for me is Pak Choy (actually all oriental cabbage greens) string beans, Daikon radish, and cherry tomatoes.

As a aside, rice is now $12.99 per 15 lb. bag WHEN ON SALE. :grrr:  Just last year it was $9.99.  Gone are the days back in the '80's and '90's when rice was $3.99 for a 25 lb. bag.

Rice is getting pricey.
Let us know how you are cooking/serving kale. I cannot handle the raw stuff. My wife is growing some kale and so far so good.
Title: Re: How is Everyone Saving Money?
Post by: RSN172 on May 15, 2022, 07:16:14 PM
Collard greens are easy to grow, hard to kill and keep producing.

When I was a kid on Molokai in the early sixties, the poi factory there would sell a 3.5 bag of poi for $1.00.
Title: Re: How is Everyone Saving Money?
Post by: QUIETShooter on May 15, 2022, 07:42:07 PM
Rice is getting pricey.
Let us know how you are cooking/serving kale. I cannot handle the raw stuff. My wife is growing some kale and so far so good.

Yeah, me too.  I cannot eat kale raw.  As far as cooking it, nothing fancy.  Usually sauteed with garlic, carrots, sometimes with onion.  We add some broth like chicken or vegetable since kale is such a neutral vegetable.

But it does the job of filling you up.  It has become my "starch" instead of rice, which not only is getting pricey, health wise I was advised to eat it sparingly.

Tonight my daughter dropped off some kalua pork from a 1st baby party she went to.  My wife and I substituted the kale instead of conventional cabbage and made kalua kale instead of kalua cabbage.  It came out great!  Loved it!  :thumbsup:
Title: Re: How is Everyone Saving Money?
Post by: QUIETShooter on May 15, 2022, 07:44:02 PM
Collard greens are easy to grow, hard to kill and keep producing.

When I was a kid on Molokai in the early sixties, the poi factory there would sell a 3.5 bag of poi for $1.00.

Yep.  I hope the collards grow well for me.  And agree on the poi.  It's so expensive now. :(
Title: Re: How is Everyone Saving Money?
Post by: Oyabunsan on May 17, 2022, 05:04:34 PM
Collard greens are easy to grow, hard to kill and keep producing.

When I was a kid on Molokai in the early sixties, the poi factory there would sell a 3.5 bag of poi for $1.00.


I used to travel all over the Hawaiian islands a lot for work and Molokai is a special place. I stayed there a couple weeks at a time annually for many years. A vendor sold poi for $2.50 per tub to fill up my large cooler as I traveled back to Oahu. Plenty of Molokai bread too always a best seller!  I miss the people there such a special place!


Title: Re: How is Everyone Saving Money?
Post by: novalight on May 18, 2022, 05:59:16 PM
Go back to grandma's house, pillage the mango tree and the banana trees. Buy eggs from chicken farm. Try to reconquer old 8bit games at home. Don't carry debt except my mortgage.buy everything with an airline card but payoff every time, so 1 year 15k in purchasing gets me a one way ticket to most places in USA for free. Or 1 interisland round trip
Title: Re: How is Everyone Saving Money?
Post by: Rocky on May 20, 2022, 08:20:26 AM
(https://i.imgur.com/eqyY2h1m.jpg)
Title: Re: How is Everyone Saving Money?
Post by: Rocky on May 20, 2022, 08:26:10 AM
Let us know how you are cooking/serving kale. I cannot handle the raw stuff. My wife is growing some kale and so far so good.

Steam kale and add some Oyster sauce.
 Try making kale "chips".
Title: Re: How is Everyone Saving Money?
Post by: changemyoil66 on May 20, 2022, 10:09:56 AM
Not a saving $ thing, but kind of related. Due to supply shortages, instead of waiting until I'm almost out of something, I have been buying once I get half empty. Stuff like face wash, protein powder, preworkout supplement, vitamins, etc...The essential stuff, I got enough stocked and use LIFO usage and resupply as each item is used up.
Title: Re: How is Everyone Saving Money?
Post by: oldfart on May 20, 2022, 11:12:19 AM
Not a saving $ thing, but kind of related. Due to supply shortages, instead of waiting until I'm almost out of something, I have been buying once I get half empty. Stuff like face wash, protein powder, preworkout supplement, vitamins, etc...The essential stuff, I got enough stocked and use LIFO usage and resupply as each item is used up.
.....
I save money by not buying stuff like face wash, protein powder, preworkout supplement, vitamins, etc.
 :rofl:
Title: Re: How is Everyone Saving Money?
Post by: QUIETShooter on May 20, 2022, 11:39:42 AM
Not a saving $ thing, but kind of related. Due to supply shortages, instead of waiting until I'm almost out of something, I have been buying once I get half empty. Stuff like face wash, protein powder, preworkout supplement, vitamins, etc...The essential stuff, I got enough stocked and use LIFO usage and resupply as each item is used up.

Actually that's a good thing.  I don't trust how reliable the supply chain will be in the upcoming months.  For me, I'm slowly stocking up on bulky items such as TP and paper towels.

Long ago when I was working at Foodland, there was a TP shortage from a dock strike.  Priority space was given to smaller commodities and stuff like TP, paper towels, and diapers were at the end of the line to be loaded on containers.

Now with the rising costs of diesel for delivery trucks and supply chain issues, I wouldn't be surprised the same thing happens again.

I'm playing safe so if the time comes I can sit in front of the TV and watch other people fight in lines to get their supplies.
Title: Re: How is Everyone Saving Money?
Post by: QUIETShooter on May 20, 2022, 11:44:59 AM
Also want to add that I saw somewhere that by August gas will be $7 a gallon.  That prediction is for nationwide, not just for places like Commiefornia.

Also saw another meme that showed biden next to Jimmy Carter.  Both were smiling above a headline that said "Here we go again!!!"

The meme was referring to gas rationing.

For those too young to remember, the gas rationing of the 70's were no fun.

Let's Go Brandon!  Forever and ever and twice on Sunday.  Amen.
Title: Re: How is Everyone Saving Money?
Post by: changemyoil66 on May 20, 2022, 12:03:45 PM
Also want to add that I saw somewhere that by August gas will be $7 a gallon.  That prediction is for nationwide, not just for places like Commiefornia.

Also saw another meme that showed biden next to Jimmy Carter.  Both were smiling above a headline that said "Here we go again!!!"

The meme was referring to gas rationing.

For those too young to remember, the gas rationing of the 70's were no fun.

Let's Go Brandon!  Forever and ever and twice on Sunday.  Amen.

76 on Pensacola, $5.88 for 93 octane.

Since the prices will continue to rise, but not as often as a few months ago, topping off instead of waiting till empty would save a few dollars.
Title: Re: How is Everyone Saving Money?
Post by: changemyoil66 on May 20, 2022, 12:04:18 PM
.....
I save money by not buying stuff like face wash, protein powder, preworkout supplement, vitamins, etc.
 :rofl:

I don't go to the range, range too far. Saves on gas and ammo I don't shoot and guns I don't buy.
Title: Re: How is Everyone Saving Money?
Post by: RSN172 on May 20, 2022, 01:47:38 PM
And the criminals save money by stealing. your stuff and gas.  They figure it is worth it because they know they are going to get released in a couple hours if they get caught. What is another arrest on the record if they already have 20 or more priors.
Title: Re: How is Everyone Saving Money?
Post by: macsak on May 20, 2022, 01:55:55 PM
i have a 5 cu foot freezer in the spare op in my office
i had it almost full of frozen meats
been using it up since i am going fishing in alaska in august...
Title: Re: How is Everyone Saving Money?
Post by: hvybarrels on May 20, 2022, 02:02:14 PM
I got top loading freezer as well, so if anyone wants to go in on a cow let me know.
Title: Re: How is Everyone Saving Money?
Post by: QUIETShooter on May 20, 2022, 05:35:17 PM
i have a 5 cu foot freezer in the spare op in my office
i had it almost full of frozen meats
been using it up since i am going fishing in alaska in august...

Whoo Hoo!!!  Fill em up with Halibut and Salmon!! :thumbsup:
Title: Re: How is Everyone Saving Money?
Post by: macsak on May 20, 2022, 07:30:49 PM
Whoo Hoo!!!  Fill em up with Halibut and Salmon!! :thumbsup:

that's the plan!
Title: Re: How is Everyone Saving Money?
Post by: aletheuo137 on May 21, 2022, 02:03:07 PM
i have a 5 cu foot freezer in the spare op in my office
i had it almost full of frozen meats
been using it up since i am going fishing in alaska in august...
There is room in my freezer!

Sent from my SM-A102U using Tapatalk

Title: Re: How is Everyone Saving Money?
Post by: Rocky on May 21, 2022, 03:37:38 PM
i have a 5 cu foot freezer in the spare op in my office
i had it almost full of frozen meats
been using it up since i am going fishing in alaska in august...

Title: Re: How is Everyone Saving Money?
Post by: Rocky on May 21, 2022, 03:39:41 PM
i have a 5 cu foot freezer in the spare op in my office
i had it almost full of frozen meats
been using it up since i am going fishing in alaska in august...
So yur freezer will have
El Salmon been alotta ?
Have Fun
 AA 40# max  :rofl: :rofl: :rofl:
Title: Re: How is Everyone Saving Money?
Post by: macsak on May 21, 2022, 03:51:11 PM
So yur freezer will have
El Salmon been alotta ?
Have Fun
 AA 40# max  :rofl: :rofl: :rofl:

50lbs...
Title: Re: How is Everyone Saving Money?
Post by: changemyoil66 on May 23, 2022, 09:29:28 AM
50lbs...

BBQ Macsak's place. I'll bring rice.
Title: Re: How is Everyone Saving Money?
Post by: Rocky on May 23, 2022, 10:26:34 AM
50lbs...
Was talking bout the "other" 40# max.
Are you on a guided expedition ?
Lots of them will prep, pack, freeze and ship for you.
Title: Re: How is Everyone Saving Money?
Post by: macsak on May 23, 2022, 11:51:42 AM
Was talking bout the "other" 40# max.
Are you on a guided expedition ?
Lots of them will prep, pack, freeze and ship for you.

"a friend" has a house up there...