I know of APs that would do $100 coin in for $5 cash back (not that it's cheap necessarily, but among the same line). Some would be really cheap, to the extent where they'd always order water when dining (not because they prefer water, but because it's free/cheaper)...or some would pack a lunch when going out for the day.
Some would only be cheap when doing AP things...but when it came to stuff in general life, they wouldn't be cheap at all.
Some may be heavy couponers, cutting out the discounts you get in the newspaper or in the mail for grocery stores.
In college, there were a lot of really cheap people. They'd rather use the school's WiFi (which was incredibly slow and constantly disconnecting you) than pay $10 for an Ethernet cord (which was very fast and reliable). Some would only buy food at the grocery store if it was below a certain price. An extra $0.05 for a banana? Nope. Spend $6 to get their ice skates sharpened? Nope -- they'd rather wait a month until they were going back home where it cost $4.
Personally, I'm the other way around. I'd rather pay more for convenience. I'd rather pay $50 for someone to change the oil in my car than do it myself for $30 (or however much it costs......actually that reminds me, I gotta go get that done soon). If you have money, you may as well enjoy it.
So my question is --- how cheap are you? What kinda stuff do you do to save money? What kinda stuff do you splurge on?
EDIT: Thread is not about tipping vs non-tipping. It's just about being cheap (or saving money). Thx 1BB for pointing that out.
I use coupons and compare prices on the internet. I love to haggle and do it with anyone I can. It really annoys people and it really works. It must be my New England roots. It's not only about saving a buck, it's about not being a chump.
I don't believe I splurge but I do provide my family with top of the line homes, vehicles, travel etc. I make sure that everyone is well taken care of. Some of our hobbies are expensive, especially the classic cars. We also contribute to many charitable causes with time and money. My wife just started another scholarship fund. That one might be considered splurging. :-) Let's just say she was very generous.
I still don't tip blackjack dealers. My money my rules. Please don't make this thread about that.
When I was a bachelor, my home phone was set up so that I paid for *each call* - it was clearly the best move for me, I could save a ton even if I averaged a couple of calls a day. I didn't quite average a call a day, even though this was before I had a cell phone. My wife, now in charge of all that, just goes for the hokey-doke plan for the home phone, you know, free everything [scratch that and make it 'one charge for unlimited' everything]. She even has us signed up for unlimited long distance for one charge; if I allowed myself to ponder what that must cost, I wouldnt be able to sleep at night [we barely use the home phone]
I choose the plan for my cell phone. Every call, every text, I pay for. Saves a ton.
When I travel alone, I use hotels dot com and find some great rates, saving $50-100 a day over where we would stay if I went with spouse [even though the rate is the same for either one or two people every time I notice]. The hotels are old typically, but often very quiet, which is my main request.
I like those milk, coffee, sugar and vanilla Frappachinos but only if its a dollar or so off. Don't do ice cream much, but when I do its Hagen Daz under some 3 for the price of 2 or something.
There is a ten dollar off on a Friday Craps Boat here but I've not yet taken advantage of it, just took note of the ad about it.
I don't steal condiments much 'cause I can never find them at home when I need them. Perhaps I should steal an empty drawer?
I tend not to use coupons... can't find them when I want them.
I mainly use it to see what the general price range is in the area I'm in.
Sometimes going one or two exits farther can save 10-15cents per gallon,or more if it's a different state.
I know it's only a $2-5 difference on a fill up but as long as it's on the way why not.
A woman will spend 1 dollar on a 2 dollar item she does not need
A man will spend 2 dollars on a 1 dollar item he does need.
Also, making major purchases such as furninture, electronics, jewelry etc, I would go outside Cook County as the sales tax rate would be cheaper outside of Cook as well.
Tipping I am fairly decent. I give about 18% and there are a few places I go regularly that treat me well, such as free appetizers, free rounds of drinks desserts. When I get free stuff I tip for the bill and then 30% for the free stuff. So if I had a $150 bill and we got say two $12 glasses of wine for free. It would be $27 for the $150 and then $7 for the two glasses of wine, which also encourages the behavior they exhibited in the future.
We have started only buying groceries from a discount grocery store that has a 10% discount for old people (over 55) on Tuesdays.
Our days of just buying something without thinking about it are over.
Regarding trips to Vegas....as we all know, if you save money on your room, food, shows etc then you have more of a bankroll to gamble with!
So yes....I only stay in comped rooms, I use coupons like mad, I bring some all bran bars and coffee and fixings from home to have breakfast in the room.
I spend hours researching good deals in Vegas.
I play MyVegas and Social Rewards.
Anything I can do to save money, I will.
Quote: JohnzimboI buy items for my work lunches at Costco and 99% of the time I brown bag it. When booking flights I don't mind taking a very early or late flight if it is significantly cheaper.
We are taking a cruise out of NOLA in april. I will save $300 on my flight by renting a car and flying home out of Birmingham than flying out of NOLA, which is what we are doing. It will be a five hour drive, Does that count as cheap?
Quote: GWAERight now I am rolling around in pain from kidney stones. I could go to the ER and make sure I am not dieing but I am way to cheap to pay $50 er copay.
You just won the thread. (You should go to the ER to get the Percocets. You get 20-30, and you only need 4 or 5.)
Quote: MoscaYou just won the thread. (You should go to the ER to get the Percocets. You get 20-30, and you only need 4 or 5.)
My cheapness paid off. I passed the stone a little while ago. How does a stone give you a high level pain and when you pass it, it's like it never existed?
I value free stuff far out of proportion to its value. Once, I ordered take out from Tony Romas online and, when I went to pick it up, the branch had closed. We had to call to get them to take it off the credit card and they gave us a $100 gift certificate to make up for it. I couldn't believe it. It might have been my happiest moment of the month.
I'm pretty lazy about seeking stuff out and I figure that's a big leak, which I'm trying to fix this year, especially with all the crap they give away in this town.
Ill pay you to take my car in for an oil change while you are at it.Quote: RSI'd rather pay $50 for someone to change the oil in my car than do it myself for $30 (or however much it costs......actually that reminds me, I gotta go get that done soon). If you have money, you may as well enjoy it.
I try to be thrifty but I hate being inconvenienced, perhaps I'm lazy anytime something seems like work. I always think about all errands I'm going to do tomorrow but then tomorrow comes and something comes up, perhaps I'm a procrastinator. If something of value comes up, I will suddenly become a monster.
I guess it all depends on my mood, sometimes I'm really cheap and sometimes I'm wasteful.
I use coupons. I am into "prep" and having a store of food for emergencies, so coupons are a good way to do that. I will buy store brands for most things, one exception is Ketchup, where they can give away the store brand and I will still buy Heinz.
In nice weather I lately change my own oil again. Saves just a few buck but keeps me feeling "manly" and makes my dad feel good to watch me do it flawlessly.
The times I have stayed in Vegas I mostly stayed at Flamingo, same center-strip location at half the price of across the street. Though on airlines I just check JBLU first and if the price is fair I use it, so much better of a flight. Once they even gave out a neat little "red-eye" kit for a red-eye flight.
My house is less than the price of some cars. But I am not stretching to live at all. I have kept my living expense to the old-time 25% of income guideline, actually a tad less. Amazing how much better it feels with an impending lay-off when that is not such a bite.
Didn't buy a car without the payments more than covered with reserves. Had to make payments on a bottom-line car last time. Bad, bad feeling. So I bought a 13 year old car? Who cares? Looks decent and does the job. I prefer having $250-350 a month. Three years from now I can do it again!
I was always careful, but I think the number of layoffs that have hit me the last 8 years will make me live small forever. I forever just try to reduce expenses and debt while figuring how to guarantee I have the minimum to keep off the street and the lights on. I have seen so many people buried while living too above their means. Scared Straight.
Quote: GWAEWe are taking a cruise out of NOLA in april. I will save $300 on my flight by renting a car and flying home out of Birmingham than flying out of NOLA, which is what we are doing. It will be a five hour drive, Does that count as cheap?
At $300/5hr it means you value your time at under $60 per hour and that is before the cost of the car and gas, so really you could be valuing yourself at under $20/hour or soon the new minimal wage. Some people who spend extra time being cheap, can really cheapen the value of themselves. Of course it also depends on the quality of the time you are spending on saving money, are you taking time away from your love ones or the time sitting back mindlessly drinking a cold one.
Quote: zoobreware you taking time away from your love ones or the time sitting back mindlessly drinking a cold one.
Doing both: priceless.
I splurge on food. Eggs have to be those fancy organic ones where the hen gets daily mani pedis; no sweat shop eggs. My grocery bill for just myself is 75 per week.
Quote: zoobrewAt $300/5hr it means you value your time at under $60 per hour and that is before the cost of the car and gas, so really you could be valuing yourself at under $20/hour or soon the new minimal wage.
Pretty sure that's 5 hours each way. So, $30/hr. Divide that by the number of people in the car...
Quote: zoobrewAt $300/5hr it means you value your time at under $60 per hour and that is before the cost of the car and gas, so really you could be valuing yourself at under $20/hour or soon the new minimal wage. Some people who spend extra time being cheap, can really cheapen the value of themselves. Of course it also depends on the quality of the time you are spending on saving money, are you taking time away from your love ones or the time sitting back mindlessly drinking a cold one.
$300 includes expected rental and gas.
It also is not an automatic 5 hour time difference either. The flight we are taking will get us to the local airport at 11:20 I think. The flight that we would take from NOLA would get us home at 9:50 because there is an extra 2 hour layover.
However, even if I did value my time at under 20 an hour, I would be happy to take a job driving for $20 an hour since it would be more than I am making now.
I have been an extreme couponer long before there was a show about it. I can save 70% a week with coupon but people often think that I am crazy. If you opened a store where all food was 70% off then they would have lines 4 hours long. I am happy to save $1.50 on a $2 item but people don't think it is worth it. What they don't realize us when you add up those 45 coupons in 1 trip then you just saved an entire tank of gas.
Stacking coupons and various other deals once, I was PAID 15$ to take about 6lb of pork chops.
Quote: AZDuffmanone exception is Ketchup, where they can give away the store brand and I will still buy Heinz.
I thought I was the only one who did this!! I've never tasted another ketchup better than Heinz.
But driving a long way for slightly cheaper gas? Not me. I factor in the cost of driving -which the federal govt reimburses at about 50 cents per mile. That always seems high to me but it their estimate of the cost of gas, wear and tear on tires and the car, and depreciation of the value of your car as a function of mileage. So at a savings of, say, 10 cents per gallon for a 15 gallon fill-up, I could only justify driving 3 miles roundtrip. That's not very far.
edit: Bartenders always get at least a ten dollar bill off me.
but will lose $400 in the slots without
batting an eye. Drives me nuts.
Axel has been known to borrow cups and utensils from bars and restaurants lol
Quote: djatcAxel has been known to borrow cups and utensils from bars and restaurants lol
If I was going to be doing stuff like that I would be borrowing the Heinz 57, the A1, the Tabasco.....
Quote: GWAEI just got in from snow blowing the driveway. I was thinking about this thread. I often times call myself cheap but I think it stems from being "poor". I am not being cheap necessarily because I want to, but because I have to. If I didn't try to save every single penny then there are many things that we could not do.
I have been an extreme couponer long before there was a show about it. I can save 70% a week with coupon but people often think that I am crazy. If you opened a store where all food was 70% off then they would have lines 4 hours long. I am happy to save $1.50 on a $2 item but people don't think it is worth it. What they don't realize us when you add up those 45 coupons in 1 trip then you just saved an entire tank of gas.
I don't think it is just "being poor" as I have met many "poor" people who waste money left and right. I hear worse stories from a friend who is in social work. I think it is learning that if you want something nice you need to find a way. Some people are just not taught that certain foods don't go bad so you build a pantry with coupons, then you have food to cook and save money on take-out.
It is "leaks" that kill most people, same as in poker. They have "hobbies" like hanging at the bar that burn cash. $20 a night, once or twice a week is four figures. But they rarely notice. But just as important is hustling to make a few bucks!
I just sold my mother's old sewing machine, $25. People laugh at me and give me junk. Sold my brother's old bike for IIRC $80, was possibly too low as it sold in 3 hours. Have 2 more bikes and a carrier in the garage I will move when spring comes. When I bought the place the lady left a dog kennel, that was $35 or so in my pocket. I have other stuff I keep trying to move. Because it is a rush! So many people I know, some broke, refuse to sell items because they think they will be murdered by a serial killer or something. Now having a bigger car I can take more stuff from friends and family and sell it off. I'm not too proud!
Quote: AZDuffmanIt is "leaks" that kill most people, same as in poker. They have "hobbies" like hanging at the bar that burn cash. $20 a night, once or twice a week is four figures. But they rarely notice. But just as important is hustling to make a few bucks!
$20 a night? I rarely get out for less than a hundred.
were when people got their welfare
checks and they called lots of cabs. First
stop was the liquor store for booze and
smokes and lottery tickets. Next stop
was Burger King for a bag of fat and
carbs that weighed 6 pounds. They often
paid me in food stamps, $10 in FS for
a $5 cab ride. I used them at my grocery
store and was never questioned.
Its gotten pretty scary. I wouldn't read a menu and order, and my total equaled .50c - $1 under my comp balance.
That's more than just being cheap though. The guy's psychotic.
Quote: sc15I know a guy who did the math on how much he was spending on his girlfriend and how many times they had sex, and figured out it'd be cheaper to pay hookers instead. And he actually dumped his girlfriend after that.
That's more than just being cheap though. The guy's psychotic.
Is he a CEO of a fortune 500? That's pretty damn smart.
his 3rd wife because he's such an incredible
cheapskate the women leave him. He makes
good money and so do the wives (no kids),
but he wails like a baby if they spend one
dime outside of the tight budget. If he finds
a Starbucks cup in the trash or in their car
they get a two hour rant fest.
It's not that he spends on himself, he doesn't.
He banks it all and hovers over it like King
Midas. I don't know what makes people like
this, his siblings are normal and his parents
are too.
Quote: mickeycrimmedit: Bartenders always get at least a ten dollar bill off me.
So you only tip them 5%? :)
Quote: JohnzimboSo you only tip them 5%? :)
I don't tip for every drink. They will get their tip at the end of the night if they don't throw me out. If they throw me out they don't deserve a tip. LOL. I buy a lot of drinks for my friends which runs my bar bill up. So I think $10 is enough.
Quote: mickeycrimm$20 a night? I rarely get out for less than a hundred.
My idea of a night out is just drafts at the corner bar, not bouncing to fancy places. Easy to have 3-4 beers after work weekly and drop $20, that is what I am talking about.
Quote: mickeycrimmSo I think $10 is enough.
$10 is a good tip for a male bartender;
women bartenders make far more in
tips then the men do.
Quote: mickeycrimmI don't tip for every drink. They will get their tip at the end of the night if they don't throw me out. If they throw me out they don't deserve a tip. LOL. I buy a lot of drinks for my friends which runs my bar bill up. So I think $10 is enough.
As far as hustling tips goes the bartenders in the North Tower Bar of the Riverside/Laughlin have it down to a science. You get comped drinks while playing video poker. You have to sign a chit for every drink. They take a highball glass put the chit and a pen in it and set it in front of you. They will return in a few minutes to pick up the signed chit. If there is not a dollar bill in the glass along with the chit you will notice a markedly decline in service. As long as there is a dollar bill in the glass everytime they will be around every five or ten minutes to see if you want another drink. Best service in the world.
Quote: AZDuffmanMy idea of a night out is just drafts at the corner bar, not bouncing to fancy places. Easy to have 3-4 beers after work weekly and drop $20, that is what I am talking about.
I mainly drink in dive bars so I can get over served. I live next door to one of the cheapest bars in America. Black Velvet is only $2 a shot, and only $1.50 on Fridays.
Quote: mickeycrimmand only $1.50 on Fridays.
That's what I was charging 35 years ago.
They aren't making much money on it.
Quote: mickeycrimmI mainly drink in dive bars so I can get over served. I live next door to one of the cheapest bars in America. Black Velvet is only $2 a shot, and only $1.50 on Fridays.
Best kind of bar there is. Still miss the one in Rochester. Scammed two beers there once, my buddy just looked at me like I was somewhere between crazy and a hero. We were known regulars so if we got caught I would have paid them right back and it would have been a laugh amongst us all. Still, the beer you get the bar girl to give you for free is a little colder and a little smoother.