For the first five years of our marriage (before kids), my husband and I went on a nice week long, out of state vacation at least once a year. We also racked up quite a bit of credit card debt in the process. Now, we’re much more careful with our money and only plan an out of town vacation when we can pay for the trip in its entirety – in cash. That means many years are spent at home, planning a staycation. Here are a few tips to help your next stay at home vacation be one of your best vacations ever.
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The warmth in the morning followed by the energy later makes coffee the drink of choice for people across the world. Coffee comes in many flavors, varieties and prices. Coffee can be obtained in a number of places. Many love to pick it up at their favorite coffee shop on the way to work, some brew the old fashioned way, while others use new machines, such as Keurigs to make their favorite cup of Joe. When you wake up in the morning and need a fresh cup, where do you turn?
The Old Fashioned Way
For years people have made coffee in coffee pots. This is the cheapest way to enjoy your brew in the morning, but it also requires the most work of any of your options.
For about $12 I can buy a 33 ounce tub of Folgers Medium Roast. This yields up to 270-6 ounce cups of coffee. Assuming I put in a little more than a scoop each time I could round to 250 cups. Assuming I don’t waste any, this is about 5 cents per cup of coffee. I like to have about 2 cups each morning, so this option would cost me about $36 per year. Factoring the cost of a quality coffee maker at about $75, the first year would cost me $111. That’s less than 30 cents a day to enjoy my favorite drink.
Keurig
One of the terms that you might have come across as an investor is “contrarian.” In some cases, the savvy contrarian investor can make money by engaging in strategies, and making investment moves, that are considered different than the conventional wisdom.
A contrarian investor can take advantage of situations that allow them to position themselves to make more money later. By going against the grain, a contrarian accesses opportunities that the crowd doesn’t see. It may seem like a foolish move in the eyes of most people, but the move might pay off handsomely at a later date.
Examples of Contrarian Investing
The defining characteristic of contrarian investing is that it goes against the grain of what everyone else is doing at the time. A contrarian bucks what is considered “conventional wisdom” in his or her investing decisions. Some examples of contrarian investing include: [ continue reading… ]
You work hard every day, doing everything you can to bring more bacon home, and trim the fat from your spending.
But it still isn’t enough.
If you’re still wondering what you can do, consider looking behind the walls of your own home for the biggest leaks in your bottom line.
When totaled, there are literally hundreds of dollars per year in potential savings locked inside your home, waiting to be freed. If you know how to take care of these hidden money wasters, you can stuff more cash in your pocket today.
Let’s start from the bottom:
Basements
I have been battling a stuffy nose and a sore throat for the last week, but it takes a severe sickness to cause a missed “work” day because I play professional baseball. Even if I am unable to play, I am required to go to the field to see the trainer. This sickness wasn’t nearly bad enough to keep me from work, but what if it had been? At what point is staying home better than going to work?
Workplace Environment
Viruses can spread through the workplace very easily. This is especially true in jobs with common areas and a lot of interaction. Schools are a good example of a setting where sickness spreads extremely quickly. Teachers are typically advised to stay home if they are sick. Even if you feel as though you are plenty healthy to go to work, you need to keep your coworkers in mind. If you could spread a sickness to them, you are doing everyone a disservice.
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