Two Cars = Big Bucks

Car Repair Last week in my miscellaneous updates, I mentioned my new car purchase and talked about the BMW European Delivery Program I was able to take advantage of. What I didn’t mention is that I’m currently waiting for the car to now be delivered to the States. While I wait, I’m still driving my old car (that is just about 11 years old).

Up until a few months ago, my car was simply a means of transportation. However, it’s recently turned into a money pit of despair with freak, random occurrences that have impacted its ability to transport me safely to/from. In the past 4 months, I’ve had the following happen:

Good-bye, Power Steering

As I was making a left-hand turn, my wheel suddenly stopped steering/turning. Once I realized the power steering had quit on me, it was too late to compensate given my speed and I slammed my front wheel into a large curb. Thankfully, the only damage was to the wheel and tire, but it ended up taking an entire chunk out of the metal rim which left me with a large bubble in the tire. Not good!

After not driving it for a few weeks (borrowed a car from my BF’s parents), I finally took my car in. My mechanic recommended replacing the rim and tire but noted that I could probably do it within a month or so. I decided to chance it (stupid, stupid!)….

Cost of repair: Nothing….yet.

There’s Gas Pouring Everywhere!

About a month after the steering incident, I was filling up my car at the gas station when I realized I was standing in a gigantic puddle of gasoline. Long story short (complete with fire trucks, tow trucks and gawking passerby), the gas tank filler neck had completely rotted out and decided to let loose at that moment.

Thankfully, the car wasn’t on and I wasn’t driving when it happened!

Cost of repair: $302.80 + $90 for tow = $392.80

BOOM Goes the Tire

Last night, I was driving home (2 blocks from my house!) when I hit a pothole. My car literally sounded like it exploded and people from the gas station next to where I was turning came running out to see what had happened. Turns out, that bubbled tire from the steering incident finally blew and another chunk of the rim went missing.

It was officially time to take care of that repair but the caveat was the gas station happened to have a service station that could sell me a tire but didn’t have a rim that fit my car. So the new tire went on and the car went home to sit.

Today, I found a rim at a local wheel & rim shop and made an appointment for the new tire to be put on that rim. I have to drive the car to the shop though so hopefully the rim holds out for the 25-mile drive…

Total repair cost: $45 for tire + $115 for rim, balancing and mounting = $160

Total $$ spent on keeping my current car safely drivable until the new car comes in?  $552.80

Why on Earth would I want to keep paying for this car? For one, I’m still recovering from my marathon injuries so biking to work as I used to is out of the question. Second, aside from these freak occurences, my car is in decent shape and can be sold to someone else.

My hope is that I’ll re-coup my down payment on the new car by selling the old one. Given the events of the last few months, who knows what will happen between now and the time the new car is delivered off the boat. :)

Wish me luck!

 

Photo credit: comedy_nose

120 Holiday Gifts Under $20

120 Holiday gifts under $20 Christmas is just around the corner–Have you started your shopping yet?

If you’re like me most years, you have a lot of work to do (and a lot of gifts to make or purchase!).

In my frugal holiday gift-giving guide, I discussed my plan to ensure the holiday season is filled more with thoughtful gifts and good times with friends and family and less with stress and over-commercialized “it” gifts that drain my bank account and spirits.

Today’s post is focused on gifts you can purchase or make that are guaranteed to fit any budget!

From ornaments to gift baskets and beyond, hopefully you’ll find something for the special people on your list.

Here is a list of 120 holiday gifts that can be purchased for $20 or less, broken down by category:

 

Edible Gifts

  • Baked goods
  • 6-pack of craft beers
  • Homemade salsa, sauces, etc
  • Nips of your favorite top-shelf liquors
  • Chocolate-covered ANYTHING
  • Dinner or another meal
  • A collection of , oils, etc.
  • Homemade fortune cookies
  • with various mixes
  • Wine
  • /
  • Candy/fudge

 

Written/Crafted Gifts

  • Hand-written letter
  • or
  • Framed photo(s)
  • Magazines–buy a bunch from the newsstand and wrap with a bow
  • Framed children’s artwork
  • /pens/stamps
  • Gift card collection
  • Collection of family memories–have your children write or illustrate their favorite memories and give the collected works to your family members.
  • Newspaper clippings
  • Books– books for a vacation that’s been planned, , hobby books, , your favorite novel; the list is endless. Just make sure to include a personal, hand-written note in the front of the book for your recipient!
  • Frame a favorite quote, poem, etc.
  • Craft supplies
  • Create gift vouchers–write out or print “vouchers” for a massage, a car wash, a date night, etc.
  • Blogs–create a blog for a budding writer and give them the login information; share the blogging love!

 

Gifts for Pet Lovers

  • /
  • New toys
  • –save your floors from the mess your pets make while eating!
  • Fancy treats.
  • –so cute!
  • Animal prints–Just like those silhouettes of children, you can create these for pets.
  • Pet-shaped Post-its

 

Entertainment Gifts

  • Movie tickets
  • Small collection of discount DVDs
  • Monogrammed/
  • iTunes gift card
  • Singing lessons for kids
  • A collection of $5 gift cards–for where it makes sense (Starbucks, Amazon, McDonald’s, etc.)
  • Gaming controllers–, , etc.
  • Lottery tickets
  • Magazine subscription
  • Create a dress-up –gather some old dresses, suits, hats, heels, etc. and give your child the gift of endless, imaginative fun!
  • Event tickets
  • Reading accessories–, bookmarks, etc.
  • Playing cards
  • –why didn’t they have these when I was growing up?!
  • Gift scavenger hunt–anything that involves a scavenger hunt to find it is a fantastic gift for children of all ages

 

Wearable Gifts

  • Jewelry–costume or handmade
  • Winter accessories–scarves, hats, mittens, etc.
  • Belt
  • Wristlet
  • Personalized onesies, receiving blanket, etc.
  • Favorite sports team wear (ball cap, tie, etc.)
  • Sunglasses
  • Pajamas
  • Socks!

 

Personal Care Gifts

  • Makeup
  • –include bandages, ointments, etc. Perhaps not the sexiest gift but is extremely useful and would be very timely for that person who’s headed off on an adventure vacation or camping trip!
  • Hair care items
  • Winter skin Rx–lip balm, lotion, etc; has great options that are less than $15
  • Foot care collection
  • Bath salts, etc.
  • Cold kit–Like the first-aid kit, not sexy. Useful and appreciated when that fluke cold hits? Absolutely! Pair this with something more exciting :)
  • Child bath-time items

 

Gifts for the Home

  • Bar ware
  • Baking supplies–cupcake liners, sprinkles, , etc.
  • Printed art
  • Personalized clipboard, bulletin board, office supplies, etc.
  • Hostess gifts
  • Kitchen or bathroom hand towels

  • ornaments
  • /aerator
  • Plants
  • /oven mitts
  • Firewood
  • /utensils
  • /place mats
  • Lavender or
  • Personalized magnets–I like to turn old road race medals into magnets; you could also try using photos!
  • with tools

 

Travel Gifts

  • Toiletries
  • Personalized luggage tags
  • Laptop/
  • Extra charging cords
  • Ear plugs
  • Travel-sized games
  • Compression socks
  • Rotating luggage handle–Google this; it turns any suitcase into a 360-degree roller!
  • Sleep masks
  • Travel Apps

 

Personal Finance Gifts

  • with coins
  • Personal finance book
  • Financial tracking App(s)
  • Wallet/
  • Charitable donation(s) in their name

 

What are some things you’d add to this list?

 

Photo credit: docbaty

The Frugal Holiday Gift-Giving Guide

Christmas Present For the first time I can remember, I’ve found myself headed into the month of December without having a single holiday gift purchased.

Typically by this time, I’m just about wrapping up (pun intended!) my annual pilgrimage to find the *best* presents for those on my list.

This year? I chose a trip to Germany over indulging in a bit of Black Friday madness (it is definitely my favorite retail holiday).

Despite the sense of urgency I feel to cross off all the items on my list, I’ve decided to take a more frugal approach to my gift buying this year.

Here’s the frugal holiday gift-giving guide I’ll be adhering to as I make my way through the throngs of thirsty shoppers:

Shop Around

Before making any purchase, I’ll make sure to dedicate a few extra minutes to searching for the best price, deal, coupons, etc. for the item.

I also won’t be afraid to ask stores about their price-match guarantees (some online retailers will match brick & mortar store prices and vice versa!), I’ll check a few of my favorite online haunts for extra savings (email me if you’d like the list) and I’ll be sure to peruse the Sunday newspaper circulars.

Think outside the box

This one will be done quite literally–I’m going to try to give as many non-boxed gifts as possible. Sound a little strange?

When you consider that gift baskets are a great, frugal way to customize a gift for that special someone, I hope you’ll see what I mean with this one. Bags and baskets are on the agenda this year–and what they’ll be filled with will vary depending upon the recipient.

Stock up

While out shopping, if I notice a great sale or clearance on a certain item, I’ll pick up a few extras (within reason–talking more like $1-$5 here, not $100s!).

Regardless of whether or not these items make it into the holiday gifts I’ll give this year, they’ll certainly be saved for the plethora of birthdays, anniversaries and weddings that are in the near future. 

Embrace the DIY spirit

DIY doesn’t mean cheap. Rinse & repeat this until you believe it. Jewelry, baked goods, recipes, scrapbooks, coffee table photo albums, the list goes on. The thought will be appreciated far more than another gift card or mindless article of clothing that was shoved into a box at the last minute.

This year, at least one of my gifts to be given will be a hand-drawn comic of a few favorite memories for the person receiving it. I’ll most likely put it in a nice frame for good measure, but who cares if that frame costs $5 in the clearance section? I’m willing to bet that person won’t even notice the frame after seeing the fun representation of the fun memories we’ve shared together.

Remember that more is less

This is the year of “do not go overboard with presents” for me. If I’ve learned anything throughout my debt payoff journey, it’s that life should be filled with people, love and experiences.

Money and things might fit in there from time to time, but they should never be the main focus. A truly thoughtful gift is based on love and time–not money.

 

What is your frugal holiday gift-giving plan this year?

 

Photo credit: Jo Naylor

 

Ireland Trip Financials

As I mentioned in my previous post, I managed to come under budget for this trip–WAY under budget. Full disclosure that this probably wouldn’t have been possible if it weren’t for the generosity of my grandmother (she paid for the majority of my meals and one tank of gas!). I think it was her way of thanking me for taking her on this trip and no matter how much I protested, it became quite clear that I should just “shush & let the lady pay.”  :)

Itemized Cost Breakdown:

Ireland package for two: $2,251.62 (7 nights of lodging in 5 different castles for 2 people, round-trip airfare from Boston to Dublin, rental car for 7 days, all taxes, fees, surcharges and a supplemental package that included a full Irish breakfast each day, individual castle tours and other random discounts)

Thank you, TravelZoo Top 20 Deal for saving me a boatload!! When I priced all of this various components individually for two people and totaled the sum, it would have cost over $4,390 based on the best prices I could find.

If I were to visit Ireland again, I’d definitely try to incorporate a few other countries into the same trip; a sort of European Tour if you will. Doing so would mean Ireland would be in the middle so I could take advantage of other other travel deals and save money by taking a ferry to Ireland instead of flying.


Miscellaneous spending while on trip: $855.65 which included:

Rental Car: There was an airport surcharge and I opted to add GPS for each day
Guidebook: I hadn’t had time to purchase a book prior to leaving, so I got one in a local bookstore on the first day.
Parking: On the first day, we had absolutely no clue where to go in Dublin, so we just pulled into a parking garage and walked around. It was an expensive splurge, but necessary for me to take a break from driving while so jet-lagged!
Hubcap: Holy Guacamole, Batman!  :)
Gas: Soooo expensive! Luckily we had a very small, compact car. I shudder to think what it would have been if we’d had a larger car or more people stuffed into it. Plus, my gram covered one tank.
Guinness Tour: Not much to say about this other than it’s a must do if you’re in Dublin if only for the top floor of the building. It’s called 360 degrees of Dublin and it’s literally a round room made of nothing but windows. They give you a free pint and you basically revel in the brew and the view.
Cash: Taken out at ATM once before leaving and once while in Dublin.

But here’s the best part…

I didn’t spend all the $$ I had!! 

I did bring home the following:

US Dollars: $200
Euro: $187.94 (US dollars worth)

Plus, I had some cash-back rewards on my credit card, so I put the $33.53 towards this trip’s costs. This all brought my grand miscellaneous spending total to $434.18!

Total trip cost to me:$2,685.80