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Stick To Your Budget And Go Gluten-Free

By Frugaling 4 Comments

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Bread Wheat Gluten-free Frugal Budget
I definitely miss fresh loaves of bread! Photo: flickr/surlygirl

Switching to gluten-free foods was surprisingly easy!

One of the best things I did for my delicate, dyspeptic stomach was to go gluten-free. While I still have some indigestion and problems every now and then, I’m a couple weeks into a [mostly] gluten-free diet. I do not exhibit symptoms of celiac disease, but I fear I’ve long had a sensitivity to gluten products.

I make mistakes and/or cheat a little bit here and there (why is it that every office on campus offered free donuts when I started going gluten-free!), but I’ve been trying to eliminate it all. Surprisingly, transitioning to this diet was easy — all I needed to do was buy some food at the supermarket.

What do others ask about going gluten-free?

Every now and then I mention my new dietary regimen and people provide entertaining commentary. The biggest question is: “Why go gluten-free?” If I’m honest — and I try to be — I tell them that I had pretty awful stomach problems (and occasionally still do), but after reducing/removing gluten from my diet, I feel better. My energy levels are bit more normal and I’m not endlessly sitting on a toilet.

But the financial questions are the funniest and most intriguing: “Sam, how do you afford that diet? Isn’t that expensive? Aren’t you trying to be frugal?” Somehow, someway, there’s a scary myth that’s propagated society, which says that going gluten-free is for wealthy, privileged individuals. In fact, merely mentioning the diet can get sarcastic scoff out of some. Comically, the diet and those following it seem to be highly miscategorized.

The reality is far more basic and frugal! When you remove most all bread products, wheat-based pastas, etc., the store shelves appear less busy. Snacks and carbs no longer beckon your attention with a gluten-free diet. You may still yearn for some nostalgic food like mac & cheese in its original, wheat form. But largely, the grocery store is simpler — that’s where the savings begin.

Financial consequences of going gluten-free

Nowadays, I pack more lunches than ever and tend to cook at home. This way I know the exact ingredients of the meals I’m making and preparing for a long day out of the apartment. I’m on the go most of the day — 10-13 hour days are sort of normal. Going gluten-free resulted in terrific benefits — both directly and indirectly. Here are some of my favorite reasons:

  1. Packed more lunches than ever ($7-10 savings per day)
  2. Made healthier food choices — solid, unprocessed foods (i.e., apples, veggies, nuts, etc.; removed pizzas; $—– Unknown future medical bills)
  3. Removed gluten-based snack foods when out and about ($1-3 per snack)
  4. Learned to cook more dishes and vary seasonings (my happiness = priceless)
  5. Lastly, friends supported and egged me on, which is fun and entertaining (a nice social surprise and bonus to being open and talking about it)

Switching to a gluten-free diet is not synonymous with wealth. Instead, its one of the cheapest diets I know. Think about it: Most of the world eats rice. The most disenfranchised and displaced and burdened still eat rice. It’s a gluten-free food source and it has nothing to do with privilege. Rice is a staple food for the world and it’s just become one of the highlights of my diet — yum!

Filed Under: Save Money Tagged With: diet, Food, Frugal, gluten, gluten-free, healthy, lactose, Work

Love is a click away, but is it worth paying for online dating?

By Frugaling 4 Comments

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Online dating: From stigma to commonplace

We sat in the high school parking lot, and I laughed every now and then — awkwardly I may add. David Gray blasted over the car speakers, and I squirmed with tension and anxiety. My hands felt sweaty, and I remember rubbing them on my pants to dry them off. After an impossibly long period of time — my mind spinning with questions — I leaned over and had my first kiss.

Dating was different back then. When I graduated high school in 2007, love and like were simple, in-person concepts. That was one month prior to Apple’s famous iPhone release. After that, the Internet was accessible everywhere. Everything completed IRL (“In Real Life”) could be duplicated online — a mirror.

Online dating started to boom in popularity and I heard news/rumors about this growing trend. Honestly, it seemed like it was only for old farts and socially awkward people. Dating seemed effortless in college. In a way, I thought you had to fail at “real life” to turn to online dating.

I had a huge bias: Why would anybody turn to online dating?

This is more popular than I thought

11% of American adults…have used online dating sites or mobile dating apps (Pew Internet Research)

By the time I graduated college, online dating was much less stigmatized. In fact, a shocking number of people have tried it. Based on U.S. Census numbers, that equates to about 33 million people in America who’ve tried online dating. TechCrunch reported that, “38% of people who are ‘single and looking’ have used a dating site or app.”

After I graduated college and was suddenly single, I decided to start my first profile. I was embarrassed to tell anyone. Uploading my pictures and customizing that profile made it real. I tried to represent myself as best as I could, but always felt askew — was this really me? Off and on throughout the years I joined dating sites and actually had some entertaining meetups. Slowly, my stigma began to disappear. Despite all this acceptance, I’ve never paid for online dating.

Should/would you pay for online dating?

Free dating sites have exploded in popularity among Millennials, and the options are plentiful. From swipe-to-date apps like Tinder to the question-and-match power of OkCupid, these sites are exceptionally popular with younger generations. OkCupid offers one of the largest populations of potential matches — all free. People can try out the site, message freely, and quit whenever they want. The intention and commitment is minimal, and the potential is great.

Stalwart dating sites such as Match and eHarmony charge monthly fees for access/communication with other prospective daters. Match.com offers an easy, free signup where you can look at matches, but you can’t send messages or get a phone number until you pay the fee. It costs about $35.99 per month to use this service. eHarmony provides a similar dating and match service for potential compatibility. The site offers a detailed personality inventory to gauge your needs in a potential match. To access these features, you’re looking at $59.95 per month. At these prices, it’s hard not to feel like they’re gauging your wallet to gauge your compatibility.

To pay $36 or $60 a month for an opportunity to meet someone is a scary amount of money — especially if you stay online for multiple months. But sometimes it’s worth the price. Paying for online dating sites is a proof of your intention and seriousness to other people. That monthly fee suggests you’re likely desiring a committed relationship. Likewise, that purpose attracts a community of people that can be hard to come by on free dating sites.

Unfortunately, the for-pay websites often use shady tactics to attract visitors and hook people with longer-term contracts. For instance, Match.com doesn’t show you who can receive messages. And eHarmony forces you to take a survey that takes about 30-40 minutes, suggests you’ll see your “matches,” but then limits how much of the profiles can be seen without a price. These tricky business practices scare me, and they should scare your budget. Here are some eHarmony reviews if you wanted to get some more information about the dating app.

When it comes to paying for online dating, I can’t imagine spending the money. Maybe I’ll eat my words someday, but I don’t want to spend money on something that’s available for free elsewhere — regardless of the overall intention among members. I’m excited that people are interested and open to meeting through new mediums, but I question the expense.

Would you ever pay for online dating? Have you noticed any difference between free or subscription-based sites?

Filed Under: Save Money Tagged With: apps, Budget, date, dating, eharmony, Free, love, match, Millennials, money, okcupid, online dating, relationships, smartphone, tinder

5 Tricks To Save Money At Starbucks (Updated)

By Frugaling 34 Comments

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5 Tricks To Save Money At Starbucks (Updated). This is really helpful because I love Starbucks!

Updated: Unfortunately, Starbucks reduced certain benefits, and is making it more difficult to find these powerful savings. I’ve changed a couple points to reflect the shift.

Starbucks is a favorite scapegoat of budget-minded personal finance gurus. Spending $4-5 on an espresso drink is unfathomable. The basic understanding is that if you spend that much every day or even a few times a week, it adds up. Spend $5 for 120 days (1/3 a year) and you’re looking at a staggering bill of $608. For someone on a strict budget that can really hamper your goals. Few people who are frugaling would argue that they have an extra $608 lying around for coffee.

Today, I’m presenting a slightly different angle. As a student, I’m often away from home for extended hours. I frequently make coffee before I leave, but I like to have a cup in the middle of the day, too. This presents a budget versus energy conundrum: To have the coffee and get my rocket fuel, or save money and feel tired.

Rather than choose one option, I’ve decided to save money at Starbucks and reduce the amount of times I frequent the major coffee chain. When you look at the prices at your local Starbucks, you probably see a variety of high-priced, calorie-packed drinks – all exorbitantly indulgent and painful to your pocketbook. But the way I see it, I immediately take 12-13% off that price – every time.

Save Money at Starbucks Storefront Store Logo Flickr
Photo: shinji_w/flickr

Here are 5 tricks for staying frugal at your favorite coffeehouse:

1. BYOT: Bring Your Own Tumbler ($0.10 discount)

Anytime you bring your own mug or tumbler, Starbucks rewards you with a $0.10 cup discount. Filling up a 16+ ounce tumbler should cost you over $2, but the discount helps keep it under that. I always carry mine around, as it’s far greener than using and throwing away paper cups every day. An added perk of using a tumbler is that it stays warmer for longer and you drink slower.

2. Use, Register Your Starbucks Card (8.33% discount)

This is pretty simple: Get a Starbucks card and register it online. Yes, you’ll sacrifice some privacy and Starbucks will have a rough estimate of every location you could possibly be in (just think how many Starbucks there are in the world). In exchange for this location information, Starbucks rewards you with 8.33% (or more) and free refills on brewed coffees.

Basically, once you register the card and start using it, you’ll collect drink points. For every 12 drinks/food items, I get a free one. When I bring my own tumbler ($0.10 discount) and use that with my Starbucks card, I’m actually receiving an additional 8.33% off the final price in the form of a future reward. The best part is that the reward can be for anything. Once you collect your twelfth bonus drink, you can use it for a venti whateverfrap at $5 or buy a bacon gouda sandwich (like I often do). These both cost more than my traditional morning/afternoon coffee, and effectively cause your total discount per order to be even more than 8.33%!

3. Order The “Short” (cheaper and you still get free refills)

What’s a “short”? Well, it’s an off-the-menu drink size that every Starbucks employee knows about. Instead of the tall size, which is 12 oz, the short is a measly 8 oz. Now, if you’re on-the-go and a regular coffee drinker like me, it’s hard to fathom drinking such a paltry sum (am I right?). But if you’ve got some time on your hands and you’ll be hanging out at Starbucks, it’s by far the best deal.

Order a short coffee with your registered Starbucks card and you’ll pay a face value of about $1.65 (depending on the location). Based on the 10% discount from before, your short, brewed coffee will ring in around $1.49. At that price, you’re likely to beget the myth that Starbucks is a super expensive coffee chain. The best part is that you can still get free refills on these drinks, too! I regularly get a refill, which effectively halves the price per cup at $0.75.

4. Use A Rewards Card To Pay Your Starbucks Card (2% discount)

I’m back to using credit cards after a brief experiment only using cash. When used responsibly, credit cards can maximize your savings for purchases you were already going to complete. When you refill/top off your Starbucks card using a rewards credit card, you still get the bonus points that the credit issuer pays out.

Let’s say I use a rewards credit card to refill my account. By doing so, I get an immediate 2% discount to the Starbucks refill/order. If you follow the previous method, you’re actually going to be paying only $0.73 per cup!

Animated Coffee Gif Save Money At Starbucks

5. Buy Starbucks Coffee At A Grocery Store ($5 per pound)

This is one of the simplest methods to save when you’re out and about and need a coffee fix: Buy a pound of Starbucks coffee at your local market. On the front of every bag of Starbucks coffee nowadays should be a coupon for a free tall coffee. To be honest, Starbucks coffee is hardly ever the most inexpensive, frugal choice at the supermarket, but when you combine free drink deals and maybe a coupon from the Sunday ads, you’re in serious business.

Starbucks regularly offers a $2 off coupon on the purchase of 2 one-pound bags of coffee. Let’s say one pound is $8 – multiply that by 2 and you’ll get $16. Use your coupon and the price gets knocked down to around $14. The two bags will include two tall coffees, as well. That is a value of about $4. Effectively, this brings your grand total for the 2 bags to about $10 after all your savings ($5 a pound).

Unfortunately, the free coffee for a bag of coffee is actively being phased out. Scoop up some of the last bags with the old design, and you’ll still get a free cup!

Filed Under: Save Money Tagged With: Bonus, Card, Coffee, Cup, Discounts, Espresso, Free, Freebies, Mug, Refill, Save Money, savings, Secrets, Starbucks

What If Gas Were $10 Per Gallon?

By Frugaling 5 Comments

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Price Of Gas Pump Fuel Tax Car
Photo: flickr/stevesnodgrass

As a car owner, my budget is precariously balanced on the assumption that I’ll only be putting in about $40-50 per month in my tank. Being frugal is often described as an effortful choice, but what if the socio-political climate affected that ability? What if transportation costs became a burden we could no longer balance? What would we have to cut out? How would our lives change?

Yesterday, I attended a thought-provoking debate held by public policy center of my university. The organization tries to inform the general public about policy and health concerns that could occur. With proactive and prevention-based education, they believe that the general public may be able to better handle adverse events.

This week’s question was: What if gas were $10 per gallon?

What could cause gas prices to spike?

There are various events that could influence the price we pay at the pump. While many are prevented on a daily basis, crises could occur that temporarily or permanently spike gasoline. The following are 5 catalysts that quickly come to mind:

  • Increased domestic demand from businesses, industry sector
  • Global market needs for gasoline
  • Speculation from oil traders
  • OPEC and/or the largest oil producers curtail output
  • Terrorism, war, instability, or something unpredictable

While unlikely, these concerns can and do occur. For instance, back in 1973, we had a terrible oil crisis that sent prices up 400% and left budgets decimated. Embargos from oil-producing countries made for historic highs at the pump.

We don’t have to look that far back to see atmospheric increases. In 2011, Hawaii documented record-high gas prices nearing $5 per gallon. Even though it’s a small island, this severely impacted the economy and population.

How much do we currently spend on transportation?

If gas increased to $10 per gallon, we’d be in real trouble. Our economy and transportation systems would be heavily burdened by large fluctuations. Think about how much you drive for fun, errands, work, children, etc.

Spending on transportation is second only to housing expenses. Every year, Americans spend an average $17,000 on housing costs, with $9,000 going to transportation needs. If gas prices tripled to $10 per gallon, we would suddenly be looking for compromises in our budgets. From public transportation to private citizens, everyone would be impacted.

How would life change if this happened?

The threat of gas spikes and/or continued increases really highlights the fragility of our current consumer system. If transportation costs skyrocket, we may see significant modifications in our driving, purchasing, and vacation behaviors. A quick jaunt to the local supermarket would instead be an adventure saved up for and withheld until absolutely necessary.

People would probably opt to bike to work and run errands. Plastic bags would likely disappear, as the energy needs would be too demanding. Heating our homes would be painfully expensive in the winter.

Eventually, we would continue and the economy would recover around this new life. Cities would likely condense and become more urban, with suburb populations flocking to central areas. This would motivate people to seek alternative energy forms and mass-produce electric vehicles. Changes would most certainly occur, but sometimes for the better.

I wonder: If we pretended like it were already $10 a gallon, would we live greener, healthier, and more frugal lives? How do you think you’d change your travel habits if gas went to $10 per gallon?

Filed Under: Save Money Tagged With: car, Frugal, fuel, gas, money, OPEC, price, spike, tax, transportation, vehicle

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