Cheapskating

MicroHustle Monday- OhmConnect

You might have seen those ads floating around Facebook by now. “This company will pay you $300 to unplug for an hour!” Those ads are (almost) right. For the past year and a half, we have been participating in a power savings program that helps us save BIG money on our electric bills. So much, in fact, that we have only paid one electric bill this month out of pocket. Our checks from this energy saving program have handled the rest. So if you’re wondering if OhmConnect really works, and if it’s worth the effort- the answer is yes, yes, and more yes.

Live in California or Texas, and want to save BIG on your power bill? Find out how OhmConnect can help you pay your bills at TheSaltyMamas.com.  #energysavings #energystar #ohmconnect #sidehustle #budget #oneincomebudget #sahm #stayathomemom #moneysavingtips #howtoreducebills #sidegig #cutspending Continue reading “MicroHustle Monday- OhmConnect”
Cheapskating

MicroHustle Monday presents Mystery Shopping

collage-2017-07-06-08_32_59.jpgWhen I first quit my job to stay home with my little miss, I was determined to do everything I could to maintain our quality of life for my family. And since dining out is basically our favorite pastime, I was desperate to find a way to make it happen on a drastically reduced budget.

Enter the Mystery Shopping experience, in which you visit restaurants (among other places), get reimbursed for your meal, and sometimes get paid a little something on top of it.

Now, mystery/secret shopping has gotten kind of a bad rap in the last few years because of a nasty scam where the jerks of the world posed as a mystery shopping company, wrote people huge checks, apologized for the error, and asked people to wire the extra money back to them. And, since most people are honest and kind, they did, and then they were royally screwed. So, good people of the world, do not do that. No one should be getting any of your account information, pretty much ever. But I think you probably all know that already, so let’s agree to use common sense and move on.

Your next step is finding a company to pair with. There are a few tricks to make sure the company is legit. First, NEVER PAY THEM. If anyone asks you for money, A.) Don’t give them any and B.) Don’t sign up for with them. Legit companies will be paying you, not the other way around. Secondly, the company should be registered with the MSPA, the legit-mystery-shopping association.

Thirdly, and this is just my own personal advice, don’t sign up with a company that requires your social security number upfront. If you start making decent money off it (anything over $400/year; I gave it up before I ever came even close to that amount), it may be required for tax purposes, but by then you should have enough experience with the company to know that they are legitimate. A company may ask for this information upfront and still be legit, so the fact that they’re asking isn’t necessarily a red flag. But personally, I would rather not have that kind of information in too many places. It’s a decision you’re gonna have to make for yourself.

Once you choose a company (I used isecretshop.com which compiles shops from several different MSPA companies, or you can choose one from the list of companies the Penny Hoarder has deemed most trustworthy), you’ll be able to see mystery shopping opportunities and claim a shop or two for yourself (procedures vary between companies). Once you’re assigned, it’s time to carry out your task. You might visit a restaurant and record the timing of everything, from when you’re seated to the appearance of the food via cell photos. Or you may make a phone call to a company on a recorded line for quality control purposes. Maybe you’ll visit a store and take photos of their bathrooms so the company can ensure they are being kept clean at all times. The nature of the tasks can vary widely, from easy to intensive, so make sure you know what you’re in for before taking it on.

Just like the type of shops, payment can be all over the place. Sometimes you’ll find a job with no required purchase and a decent payout (my last mystery shop paid me $25 for an hour of my time, from home). Other times, you will only be reimbursed for a portion of your meal, and you’ll typically need to front the cash (For example, you accept a shop with a $10 reimbursement. You spend $14, which you pay out of pocket, and in a few weeks you receive a payment for $10. You’re out $4 overall, but hey, that’s a pretty good discount on your meal, so it’s a win). It makes sense to run the numbers ahead of time to make sure you’ll come out ahead, or at least understand what you’ll be receiving in return.

You’d need to hustle HARD on this one to make any kind of financial gains, but sometimes that’s not what we’re after. Sometimes it’s nice to have a little hobby that pays for itself, or to go out to dinner on someone else’s dime. I dabble in mystery shopping now and again, especially if it’s a place I already enjoy going to or an easy over-the-phone shop, but it’s a fair amount of work for the payout, so I try to choose my shops wisely, and I suggest you do the same.

So, what do you think? Do you feel ready to get your ninja-fix, one secret shop at a time?

Cheapskating, momlife, Tips & Hacks

Intro to Cheapskating

I’m not totally sure when I jumped the gap between being frugal and being a cheapskate, but here I am, living in the land of pennies and dimes. I count them, I save them, I try to help them grow into strong, confident dollars. I find ways to earn them and work hard not to spend them without long, drawn out conversations with myself and a million lists and plans in my BuJo.

But this land of Pennies and Dimes also gives me power. When I decided to give up a pretty decent income as a well-educated special education teacher, I chose to become more than a budgeter. I decided to be more than a saver, which has always sounded so passive to me, and to become a hustler. A micro-hustler, that is.

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It began with aggressive budgeting, and trying to spend as little as humanly possible. And I got good at it. Like, really good. Like, I-don’t-buy-meat-if-it’s-not-on-clearance good. But Holy Moses, that can stifle a person. I mean, a cheap month here and there is fine, but as Dave Ramsey would say, a person can’t live on beans and rice, rice and beans forever. And I wasn’t willing to take more out of our budget than I already was. So it was time to get creative.

I began to take on a series of increasingly creative side-gigs, one by one. I started using Ebates, became a mystery shopper, and joined one survey panel and then another. I found a program that paid me to save electricity, I subbed for people for pay at my daughter’s co-op preschool, and I synced up my Fitbit with an app that would pay me to do so. I recycled our bottles and cans, I rolled sleeves of pennies and dimes, and I sold some stuff-a lot of stuff- on Craigslist and Facebook.

And I’m not gonna lie, some people made fun of me. I mean, I was always hustling. But in teeny, tiny little ways. I came to think of all my little income streams as my micro-hustles, and I began to keep track of my earnings. I shrugged off the teasing, and I kept on keeping on. And as for the haters? They didn’t have much to say when I paid for an entire cruise with my girlfriends with those damn surveys and bottles and cans. Because those pennies and dimes? They WANT to be saved. They WANT to grow. I’m just helping to use those small coins to make big things happen.

So no, I’m not pulling in a full income off of these little side gigs of mine. And I’m by no-means replacing the income I gave up to be where I felt that I needed to be. But I am contributing to the household financially, and I am slowly but surely helping to make our dreams come true, the big ones and the small ones. And it’s happening one micro-hustle at a time.

Looking for ways to stretch your budget and bring in extra money? Trying to figure out how to make it on one income? You're not alone. Read how two mamas are making it work, at thesaltymamas.com. #oneincome #budget #savemoney #stayathomemom

 

Cheapskating, Kids' Activities, microhustle, momlife, parenting, Tips & Hacks

Those “Cheap” Summer Movies

Let’s talk about those cheap summer movies for a minute.

On the one hand, you’ve got the glory of being the cool mom for a second. You took your kids to the movies! It’s air conditioned! The kids are happy, they’re enthralled, they’re living the dream. This experience was MADE for little kids, so you don’t have to worry if they’re wiggly, or chatty, or if they shout/sing along with the chorus to the movie’s theme song. Because there is a concert of 50 other lispy little voices telling Poppy to get back up again, too. Kids are dancing, kids are laughing boisterously, moms are sneak-opening cans of Cherry Coke (I’m looking at you, Christine) and relaxing back into their soft, squishy chairs for what almost passes as a break.

But. BUT.

Those concessions, y’all. You pay $1 for the movie, and $16.50 for one ounce of popcorn. This has got to be the whole point of the $1 movie experience from the theater’s perspective, cause you know they have to be making a profit somewhere, and it ain’t from my pocket change.

Collage 2017-06-29 07_47_51Now, if you have somehow managed to make it into the movies without your kids knowing the concession stand exists, or they are content with your smuggled in snacks, or your kids are just so lovely they take no for an answer, we salute you. We applaud you. We envy you.

If someone (I’m looking at you, Daddy) has ruined the movies forever with a kids’ snack pack that has been upgraded to include an Icee AND a full size candy? We are so sorry. We feel you. We are here for you.

So when you get to the front of the concession line, because you’re gonna get them SOMETHING , because AVOIDING TANTRUMS, don’t try to ask for a large Icee split into three cups, because I’m here to tell you, they won’t do it.

Order a large Icee and three water cups, hold the water. Then get to work, mama. You’ve got a movie to see and that Icee ain’t gonna split itself.

Looking for a way to save money on movie theater concessions? Try this trick from thesaltymamas.com #savingmoney #movieswithkids #familymovies

 

 

Looking for a way to save money on movie theater concessions? Try this trick from thesaltymamas.com #savingmoney #movieswithkids #familymovies