Unlike most retirement planning and lifestyle books that focus on investing – or at the other end of the spectrum, on how to get the senior discount on a Grand Slam Breakfast at Denny’s – this new book from Jeff Yeager, America’s favorite cheapskate, makes the compelling case that you can have a joyous, worry-free retirement by merely spending smart and focusing on what you truly want and expect out of retirement.
Jeff Yeager, dubbed "The Ultimate Cheapskate" by Matt Lauer on NBC's Today show, is a very cheap guy. He re-cants, as opposed to decants, the wine he proudly serves his dinner guests, funneling cheap box wine into premium-label bottles. He believes you should never spend more than per pound on food items. And to save time and energy costs, he soft-boils his morning eggs along with the dirty dishes in the dishwasher.
"[Jeff Yeager] ...proves once and for all that living happily within your means is
possible at practically any income."
"Jeff Yeager has a way
of unleashing the inner cheapskate in us all!"
"If you don't save ten
times the amount you spend on this book, you probably didn't read it."
Jeff Yeager and writer Adam Lucas have finally emerged from sequestration in the cheapskate testing laboratory with the The Bodacious Retirement Budgetary Worksheet.
Jeff Yeager's new book is an eBook-only release entitled "Don't Throw That Away" is all about creative ways to reuse stuff rather than just trashing it, saving you money and helping to save the environment at the same time. And it talks about how to repurpose just about anything, from "Airsickness Bags" to "Zippers," according to the Index in the book. In addition to tons of practical tips, it also talks about the environmental impact of our throwaway society.
He's at it again, but this time he's not alone. America's Ultimate Cheapskate is back with all new secrets for how to live happily below your means, á la cheapskate. For The Cheapskate Next Door, Jeff Yeager tapped his bargain-basement-brain-trust, hitting the road to interview and survey hundreds of his fellow cheapskates to divulge their secrets for living the good life on less.
Black Friday Trends and Tips
Monday, 25 Novemeber 2013
Black Friday, the day after Thanksgiving and the traditional start of the holiday shopping season, seems to be starting earlier every year. First we saw stores opening to hordes of shoppers at 4 a.m. Friday, then at 3 a.m., a few years back. Now some big-box retailers aren't even waiting that long. They're opening their doors on Thanksgiving Day this year, hoping families will eat and run to the nearest mall.
So what are folks clamoring to buy this season? The website Coupons.com surveyed more than 5,000 holiday shoppers to find out.
Here are the top 10 most sought-after items:
- The North Face Denali jacket
- iPad Mini 16GB
- Dell Inspiron 15
- UGG Classic Tall boots
- PlayStation 4
- LEGOs; LEGO Super Heroes Dynamic Duo and LEGO Friends Olivia's House
- iPhone 5C 16GB
- Xbox One
- Samsung 32-inch HDTV
- Canon PowerShot A2500
Whether you're buying electronics, a Furby (yep, they're back) or other gifts, here are some cheapskate tips for scoring the best deals:
- Use social media: By following your favorite retailers on Twitter, Facebook and other social media, you'll be among the first to be alerted to discount deals, increasingly popular flash sales (otherwise known as deal of the day), online coupons and other special offers.
- Comparison shop with apps: Consumers are increasingly comparison shopping between brick-and-mortar stores and online. You can comparison shop online, while inspecting the item in real time, by using apps like EBay's RedLaser, Amazon's Price Check and PriceGrabber. Here's how they work: The apps allow you to scan the bar code on an item with a smartphone or tablet. Then they instantly give you the prices of the same item currently being offered by other traditional and online retailers. Some stores, including Best Buy and Target, offer in-store price match guarantees to keep you from leaving to buy elsewhere.
- Be creative and shop small: If you prefer unique gifts to the latest trends, or if you'd rather not fight Black Friday crowds, consider patronizing a local store or restaurant on Small Business Saturday, Nov. 30. I'm a big fan of local businesses (thrift stores and consignment shops are some of my favorites), and I was glad to hear that AARP is a small business supporter and is spreading the word about Small Business Saturday.
- Discounted gift cards: A survey by the National Retail Federation found that nearly 60 percent of consumers say they'd most like to receive gift cards this year. Membership warehouse stores like Sam's Club and Costco sell discounted gift cards for many restaurants and other service providers. Gift card exchange websites like Cardpool, Plastic Jungle and Gift Card Granny sell unwanted gift cards from gift card recipients. Retailers including Barnes & Noble and L.L. Bean are offering a free gift card with certain purchases. Also, check with your credit card company, as some allow you to redeem reward points to purchase gift cards from their retail partners. In some cases, you could get an extra 10 percent to 25 percent off the card value as an incentive.
- It may pay to wait: Resisting Black Friday deals may be nerve-racking for some shoppers. However, it may be worth it. A study last year by the website DealNews.com found that the best deals were actually scored a little later, during the first two weeks of December. That's because retailers are marking down items even more for consumers in order to unload inventories. Of course, if you're in search of some of this holiday's hottest items, you run the risk of supplies running low or being sold out if you wait too long.
Bottom line: No matter where, when or how you shop, be smart and stay cheap!
Photo: Credit: Matthew Staver/Bloomberg via Getty Images
Also of Interest
- Holiday Shopping: Will You Spend Less?
- Slideshow: Famous Child Stars "” Where Are They Now?
- Please give to the Typhoon Haiyan relief fund to maximize donations for those in need.
- Join AARP: Savings, resources and news for your well-being
See the AARP home page for deals, savings tips, trivia and more
Make Your Own Mulch
Friday, December 6, 2013
You can make your own mulch by shredding, crushing, chopping and/or decaying organic matter such as leaves, pine needles, grass clippings, paper, and tree limbs, branches and twigs. As opposed to compost, mulch is not as far along in the decomposition process, and it's intended to lie on top of the soil, whereas compost is mixed into and becomes the soil. Mulch inhibits weed growth and helps retain moisture so you can water your garden less.
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