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December 7, 2011, at 6:00 am If you're new to BFS, please subscribe to my RSS feed. It shows me a vote of support and keeps me motivated to keep your attention. If you have any questions or comments for me, please contact me and I'll get back to you asap. Thanks for visiting!
My husband and I are thinking about getting a personal trainer at our new gym. His name is Tai and he is actually a very intelligent guy who obviously knows his stuff. I’ve had a trainer before and know it helps me stay on track, but they are expensive. Here are the pros and cons as I see them:
Personal Trainer Pros
- He would motivate us to show up for our appointments and work out.
- He would show us how to properly use the machines.
- He’d give suggestions if we have specific problem areas or questions.
- He’d keep a ledger of our progress so we can see how we are doing down the road.
- He already gave us a free beginning assessment.
- He’d also keep a record of our weigh-ins and measurements, but we already do that for Weight Watchers.
- Having a trainer would motivate us to show up more between sessions just so we don’t look like wussies.
Personal Trainer Cons
- They are expensive. We can buy a certain number of sessions in advance in packages in order to avoid a contract, but we are still talking about a $40-$50 per 30 minute session depending on how many we buy. The contract rates are actually more expensive, so I bet the personal trainers at our gym make more off of the pre-sold packages.
So, do we shell out $500 for 10 sessions and see how it goes?
Best case scenario, we kick butt, get into even better shape, and miraculously find the self-motivation we have always lacked to start exercising at the machines regularly on our own. Realistically, we get into slightly better shape and continue to need Tai to keep us in line.
Total Cost
If we both go once a week for 45 weeks of the year (I figure we won’t be perfect), we would be looking at $2250 per person, $4500 total every year just for our personal trainer. Their best rate is $35 for buying more than 30 sessions in advance, but that’s still $1750 per person, $3500 total a year. That seems excessive.
Final Thoughts
We’ve been members of our gym for a bit more than a week now. So far, I’ve gone to play racquetball 3 times on 2 separate days, walked on a treadmill for half an hour once, did an upper body workout once with Tai for the 30 minute assessment, and went swimming once. Based on all of that, I only really enjoyed racquetball and think swimming would be fun with a friend. The machines really bore the crud out of me and I truly doubt I’d use them without a personal trainer egging me on. I wonder if I really need to use them at all? I mean, I went from being a complete couch potato to getting some forms of exercise…isn’t that good enough overall?
So, if you were a workout machine-hater like me, what would you do?
December 6, 2011, at 6:00 am
The following is a guest post from Jessica at Save Money with Me Online. There she shares deals she’s found on the web, flash sales and other great ways to save you money online.
Holiday shopping is expensive. Not only do you spend money on gifts for your loved ones, but you might also need to buy supplies for a holiday dinner or decorations for your house. Hopefully these 5 tips can help you save money holiday shopping.
1. Make a List
The basics…make a list of the things you need for the holidays and the gifts you need to buy. For each person you plan on buying a gift for, figure out what you want it to look like you spent on them and what you would like to get them. And then try to get that same item for less! Maybe you want to get your boyfriend an NFL sweatshirt or a TV season of DVDs. You would also like to spend less than $75 on his gifts. So while making a list and budget seems like a simple no-brainer—the goal is now going to be to beat the budget.
2. Comparison Shop
After you have your list together, do a little research and figure out what each item on your list should cost. Amazon sells most things, so it’s a good place to look up prices. On Amazon I see that an NFL sweatshirt will cost $40-$50 and that a TV season of DVDs should cost $33-$45.
3. Watch Sales
Now that you know general prices, you can watch sales and see if you can buy anything from your list at a discount. Since you looked up prices, you will know if a sale is a good deal. If you are looking for a gift from a particular store then you might want to either check their website daily to watch for sales, or sign up for their email list. If you were looking for an NFL sweatshirt, you might want to sign up for the NFL shop’s email. Also, if you see a sale on NFL sweatshirts for $20, you know that is a great price!
4. Use Cashback Sites
Use cashback sites to save money shopping online. Cashback sites, like Ebates, are websites that give you a percentage of your purchase back in cash. Cashback websites have different rules, but in general once you hit a threshold of cashback, say $20, they mail you a check. To stay with the previous example, I looked on Ebates and they have 5% cashback at The NFL Shop. So if you spend $50 there, you will get $2.50 back in a check.
5. Shop Daily Deal Sites & Flash Sale Sites
Daily deal sites, like Groupon, and flash sale sites, like Gilt, offer big discounts. To shop these websites, you will need to sign up and become a member. You will get emails everyday so you might want to use a separate email address to sign up. If you find any of the items on your list at one of these sites, you could save up to 50-70% off the retail price! These savings can really add up! Check out a list of daily deal sites and flash sale sites to see which sites fit your shopping needs.
Just by buying your holiday gifts when items are on sale and sticking to your budget (or under it!) will save you money. Then by using cashback sites when you shop online you will get an extra check back in the mail. Also, you can use a gift card exchange website to turn gift cards you are not using into cash for gifts or find more appropraite gift cards for the loved one you have in mind. I hope these tips are helpful and that you save money when you do your holiday shopping this year.
Crystal’s Comments: I make a list every year of any gifts or decorations I will need and usually find the best deals at Walmart, Amazon, and Ebay. Good luck everyone!
November 23, 2011, at 6:00 am
It’s obvious businesses would like our money. Black Friday and Cyber Monday have turned into a whole week or two of deals. Although I refuse to go out into crowds to buy stuff, I’m all for the new weeks of deals since almost all of the deals can be found online too *big grin*. I love online shopping for Christmas!
Online Deals at Amazon
I’ve already started taking advantage of some big pre-Black Friday sales on Amazon.com. I found the perfect gift for one of our friends at 75% off what I saw it at last week – woot!!! While I was buying that, I saw an awesome CD collection that I want for myself – Queen 40, but it was only on sale yesterday for $44 for a couple of hours, so I missed it. It may be cheaper again on Cyber Monday. I’ll keep my eye on it and see.
Other than that Amazon purchase, I haven’t really jumped in yet. I only have a few real gift ideas this year, so I didn’t know what to search for. Buying for my husband has gotten much harder since we started having monthly “fun money” …he buys all the stuff he wants pretty quickly. He already bought Elder Scrolls V and has been playing it anytime he has a chance. I’m going to have to put some real thought into him this year…and men are supposed to be easy…
Our Family and Friends are not Gift Oriented
Both of our families have decided not to exchange presents like normal, so at least that pressure is off. Although I am keeping everyone in mind while I peruse the internet. I plan on grabbing things that may stand out for specific people whether we are exchanging presents or not. If nothing pops out at me, so be it.
Our friends haven’t really discussed gift giving much either, but Mr. BFS and I decided we’d do the same thing with them as we are doing with family. If something shouts out that it is meant for them, we’ll grab it. Otherwise, we’ll just all have a good time at the Christmas potluck together.
Once Christmas is over, I’ll post the final gift list like I did last year. Feel free to take a look if you need any ideas. My husband still really loves that super soft blanket I threw in at the last minute.
Have you come up with any great gift ideas yet? How about anything for your own wishlist?
November 22, 2011, at 6:00 am
The following is a guest post by Emily Guy Birken, a freelance writer, recovering English teacher, and stay-at-home-mom. She lives in Lafayette, Indiana, with her mechanical engineer husband and toddler son. Her musings on life, parenting and money can be found at The SAHMnambulist and Live Like a Mensch.
Every day around 3:00 in the afternoon, my sweet, well-behaved, and independent 14 month-old son is replaced by a screaming demon of impatience. That’s because we generally go for a two- or three-mile walk at 3 o’clock and nothing, not even bad weather, is going to get in the way of him enjoying a ride in the stroller. Unfortunately, as the weather has cooled, it’s become less possible to follow our normal routes. So on Friday, I decided to take our afternoon constitutional inside the local mall.
My Experience
I’m not a regular mall-goer—or at least, I haven’t been since I was a teenager. Back then, buying a pair of earrings at Claire’s, eating a cinnamon bun with my BFF and scoping out the teenage boys with similarly slow social calendars was the epitome of entertainment. But as an adult, I generally avoid the mall, and Friday’s jaunt reinforced that. Because despite the fact that I was only there to get a little exercise, I found the following questions running through my head:
1. What smells so good? My son and I have a regular snack every day before our walk, so I certainly wasn’t hungry when I set foot in the mall. But the competing aromas of cinnamon, pretzels baking, egg rolls, fresh-baked chocolate chip cookies and just-out-of-the-oven pizza still had me wondering if I had enough money in my wallet for a snack.
Malls make sure to have delicious smells wafting through their halls. According to neurologist and psychiatrist Dr. Alan Hirsch, our moods can be strongly affected by smell, to the point where we might spend more money on a product because of a pleasant scent. So not only did the food aromas make me crave treats when I wasn’t hungry, they also primed me to want to spend money on goods. And I just wanted to take a walk!
2. Should I buy that, since I’m already here? There’s a reason why malls gather several different types of stores all in one place. People love to feel as though they’re being efficient with their time, so they’ll go ahead and buy something not on their list because it saves them a trip later. This would be fine if you really needed that second (or third or 17th) item, but it’s a false economy of time if you wouldn’t have even thought of buying the item if you hadn’t seen it in the first place.
For me, passing by the children’s shoe store several times in our loops of the mall made me revisit our decision to keep our little one shoeless for the time being. He’s not quite walking, so he really doesn’t need shoes. He gets better practice with walking while barefoot, and socks keep his tootsies warm outside of the house. But the tiny Converse All-Stars had me stopping to check prices, despite the fact that the shoes are unnecessary and will be outgrown in a matter of weeks.
3. Should we eat out tonight? I’m a big believer in menu planning, as it takes the tough part of cooking—figuring out what to make when everyone’s already hungry—out of the equation. I also prefer being able to control the ingredients and portion sizes for our dinners, and save dining out for special occasions. But even though I had chicken defrosting in the microwave for a recipe I was excited to try out, I still found myself looking longingly at the specials board for the Applebee’s at the mall.
Seeing other people enjoying a meal out without having to cook or clean was hell on my plans for dinner. Imagining the cocktail special with a steak was much more tempting than remembering that I had onions and mushrooms to chop at home. Luckily, my husband has a seething hatred for Applebee’s and any other restaurant where you might hear the word “flair,” so I was able to squelch that temptation before it got off the ground.
4. What should I get everyone for the holidays? Needless to say, wandering around the mall is not the time to start making lists for holiday gift giving. Because something about the sound of Christmas music piped through the halls, the sight of people carrying heavy shopping bags and all the bright and beautiful merchandise on all sides can make you lose your head and buy a $100 Shiatsu massager for your mother-in-law when she’d be thrilled with some framed pictures of her grandson. (What the heck is Shiatsu anyway? Does anyone know?)
Despite all of these temptations, I was able to get out of the mall after our walk without spending a cent. However, it was a lot tougher than I would have anticipated to keep my money in my wallet—I actually stopped and “browsed” several times even though I had only come to the mall to walk. In the future, I plan to take our indoor walks cash- and card-free so I can’t succumb to temptations even if I want to.
Crystal’s Comments: I avoid the mall unless we are purposefully going in to get Chicken Teriyaki from the Chinese place in the food court. It’s not that I hate malls, it’s that I do not have the will power to pass up Cinnabon or Spencer’s. Do you avoid the mall too?
October 24, 2011, at 6:00 am
I fully admit that I get through life by focusing on a single thing at a time and all other stuff falls to the wayside. Some days I am all about self employment, but other days (like the weekends), I may not even touch a computer other than to look up movie times. For the past week, I have become nearly addicted to spending money on Halloween.
Halloween Costs So Far
I know I already made a post about my projected Halloween costs this year, but I went a little more overboard. The weather got cooler, I finally convinced Mr. BFS to help me find our costumes online, and I got into the spirit! I’m not even sure I am done yet.
And yes, there are two costumes listed below…the first set (Robin Hood and Maid Marian) fell through after I ordered them the first time and my reorder may not make it here by Saturday for our party, so the second set of costumes (King and Queen Chess Pieces) is a backup set that I was able to get 2 day shipping from with my Amazon Prime membership – no shipping insurance needed. Worst case scenario, we will have costumes for next year.
Here’s what I’ve bought so far:
- Robin Hood costume for Mr. BFS – $65
- Maid Marian costume for me (for Halloween and Renaissance Festivals) - $40
- King Chess Piece costume for Mr. BFS – $40
- Queen Chess Piece costume for me – $40
- Spooky/Funny Bathroom Door Cover – $10
- Spooky/Funny Refrigerator Cover – $10
- Spooky Front Door Cover – $10
- Two Tombstones for front yard – $15
- Table Covers – $3
- Decorations from last year - $0
Things I Want for Next Year
So I have already spent nearly $250. Plus, I still am fending myself off from buying the following items until after Halloween so I can get them on sale for next year:
- Cemetery Fence to start a fake graveyard (the two tomstones above are just to start with, lol) – estimated $20
- Halloween tree decorations – estimated $10
- Halloween door mat – estimated $10
- Rat cutouts for the stairs – estimated $10
- Halloween toilet cover and floor mat – estimated $15
- Fake spiders and webbing for the light fixture – estimated $10
- More Halloween plastic cups – estimated $10
- Halloween napkins – estimated $5
In short, I want to grow our Halloween decorations 2-3 fold by the beginning of November. The funniest thing is that I don’t even decorate this much for Christmas. I just really seem to be Halloween-crazy this year. I’ll be sure to post pictures next week of our potluck and which costumes we ended up wearing.
Do you ever get single-minded even when it comes to spending? Does the hunt for certain items ever take over your mind? I’m even dreaming about our costumes and how we’ll look. I don’t feel nuts, but I also don’t know what to think when I am consciously having to keep myself off of Amazon.com so I don’t buy anything else.
October 19, 2011, at 6:00 am
I’ve always been a fair tipper at restaurants, but I’ve noticed that I’ve started tipping even more lately. When I was in college, I made sure to leave 10% for mediocre service, 15% for good service, and 18%-20% for great service. Those were my tipping numbers for the last 10 years. But lately I find myself almost pitying waitstaff. I actually sit there thinking, “That poor person has been on their feet waiting on all of us for hours…I don’t think I could pull that off…” and my tips have been around 20%-25% most of the time.
Our Visit to Outback Steakhouse
My husband actually pointed my new tipping standards out to me when we were eating out this past weekend. We had a gift card to Outback Steakhouse so we decided to make a date night out of it. They sat us immediately, but it took 15 minutes before anyone bothered to take our drink order. It took another 10 minutes to get our drinks (apparently because the wildberry lemonade on their menu is pretty hard to make…yeah, right).
They took our food order when they delivered the drinks. I ordered a medium 6 oz sirloin with a small portion of Mahi (fish) and a baked potato. My husband ordered a medium-rare 10 oz ribeye with mashed potatoes. We got served about 20 minutes later. My husband’s ribeye was perfect but my sirloin was gray inside and the fish was so overcooked it was rubbery. I very politely pointed out the problems to our waiter and asked if he could possibly at least have a new piece of fish thrown on the grill since I could deal with the steak but the fish was inedible. He agreed and took my plate.
A few minutes later, the manager came by and apologized for the mistakes. He ensured me they were recooking me steak and fish to order. Then the waiter came by again to apologize as well. I said it wasn’t a big problem and thanked them both. Then I sat there and watched my husband eat for 15 minutes and ate yet another tiny loaf of the rye bread I adore.
My food was redelivered by yet another employee and they asked if I could cut into it to make sure it was great. It was perfect, so I dug in. While chewing, the manager and waiter came by yet again to make sure everything was okay. I nodded, swallowed, and thanked them. I then asked if refills were free on the lemonade but the waiter said no. I cannot believe I paid $2.50 for a single lemonade. Oh well.
Our Tipping Compromise
I was pretty full from the food I already had eaten – the bread, baked potato, and about 10 bites of steak and fish - and ready to go home since we had been there for more than an hour and a half, so I asked for a to-go box and the bill. I handed over our gift card to cover the $33 tab. When I went to leave a tip, I was about to write in $40 total and my husband pointed out that would be about 20%. I asked what he would tip and he said $3 since they made us wait 25 minutes for drinks and screwed up my entire order so I sat there watching him eat. I argued that they were really nice about correcting my order, and we compromised at 15%.
How Do You Tip?
I have been thinking about this since then (not alot, but enough to write this post, lol). What is the proper way to handle tipping when service sucked but they tried to correct it? Do you agree with what has been in the back of my mind – they should have given me another lemonade? I know it’s funny, but that ticked me off more than messing up my meal…
What would you have tipped? Do you have the tendency to overtip like me?
July 25, 2011, at 6:00 am
My husband and I like our cable, DVR, and high speed internet. Yes, I know, half of you think cable is a stupid expense and are mocking me in your head. That’s okay. I don’t mind. We use our services daily, so it is an extra expense we absorb voluntarily.
But AT&T believes the two services together are worth $130 a month, but I rather never pay more than $110. This means that every 6 months, I call AT&T to get my U-Verse cable and internet bill lowered. I don’t lie, but I do explain that I am willing to look elsewhere for a good deal if I can’t get a better rate. And I am willing to look elsewhere…I just rather not if I can get a better rate with them.
Here is how I keep our bill below $110 a month including fees and taxes for their best internet plan and the U200 package with 2 DVR’s:
- FIRST STEP, I find something to fill in my time while on hold. Seriously, cable companies are the WORST with hold times.
- I call their 1-800 number, answer all the silly automated questions, and get put on hold for the Billing Department.
- Once I finally get a real person (this last time it took 27 minutes of holding…), I ask to speak to the Retention Department.
- I then get put on hold again (another 25 minutes this last time) and get a real person again.
- I politely explain that I don’t think the service is worth $130 and would like a discount so I don’t have to start looking elsewhere.
- I receive a $15-$25 credit for 6 months and thank them profusely.
It has worked every time for more than 3 years. I even have a cheat sheet with the 1-800 number, my account number, and my phone password ready to use each time. I also mark my calendar 6 months in advance to remind myself to call again, although I sometimes still put it off and have to deal with one bigger bill than I like.
The biggest drawback is I hate how long they put me on hold (although they aren’t as bad as Comcast), but have learned to do other things and leave them on speaker phone until they pick up. This last time, I answered 3 emails and replied to Yakezie forum threads while holding, so they didn’t waste my time completely.
I would highly suggest that everybody try getting reoccuring bills lowered regularly. Companies want to make easy money and retain the customers that pay on time. It just take a little organization to stay on top of it.
Do you call in like I do to get lower rates? What has worked for you?
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DISCLAIMER I am not a professional or a financial advisor. BFS posts are informational opinions only. Please make your own financial decisions based on personal research or see a financial advisor.
Also, there are paid links on this site. There is no obligation on your part to purchase any products advertised on this website.
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