Perhaps some of you readers are choosing the frugal life because you’re trying to save money to start a family. Mazel Tov to you!
Whether you’re pregnant because you want to be or it just sort of happened the first and very important step is to check if you’re actually expecting with a pregnancy test.
The pregnancy tests they sell in Walmart, Target and most everywhere else are absurdly expensive. I’ve seen some in the $20+ range. That could go towards diapers or…whatever! It’s so bad that teenagers have resorted to stealing these expensive sticks from the store…and ain’t no one got time for that.
Luckily, this budgetologist has a cheaper alternative. It’s been one of the industry’s best kept secrets for years. And no, it’s not going to some clinic to get a free one because that takes upwards of an hour, although that is an option if you have the time.
Well, here’s the secret: You can get pregnancy tests at the 99 Cent Store. I repeat, your dilemma of buying an $8 pregnancy test or lunch that day has just evaporated.
The 99 Cent Store is heaven for budgetologists and this case is no exception. Pregnancy tests for under a dollar…take as many as you want just to be sure!
At this point you might be saying, “But budgetologist, are those ones like expired or defective or like whatever?” To which I might reply, “No you fool! They’re just cheaper!”
If there’s one thing this budgetologist should be teaching you, it’s to get that notion out of your thick skull that just because it’s more money means it works better. Maybe it works better for Target’s pocketbook if anything, but your best bet is to head to the land of everything under a dolla.
♥ The Budgetologist
Not only can shampoo and conditioner be expensive, it can also be cancerous! That’s right, studies show that shampoo has cancerous chemicals in it that are bad for your body. If you want to talk about budgeting, the best thing you can do is not get cancer, which has wiped many out financially despite health insurance…but that’s a whole ‘nother subject.
The point is, something that is cheaper, healthier, and heck, even fun to do is make your own shampoo and conditioner. It will save you money and leave you so fresh and so clean.
To make what this budgetologist likes to call “po man’s shampoo and conditioner” you will need two ingredients:
- Baking soda
- Apple cider vinegar
So how does it work? First, you’re going to need old shampoo and conditioner bottles with nothing left in them. Take the shampoo bottle, fill it with two parts baking soda one part water. Then shake-a shake-a shake that. That’s your shampoo. Baking soda cleans the hair and leaves it refreshed. Scrub the mixture into your scalp like normal shampoo then rinse.
Next, it’s time to make the conditioner. In your empty conditioner bottle mix one part apple cider vinegar with two parts water. dump that on your scalp and hair after the baking soda to leave it shiny and soft. And that’s it! Not only have you created way cheaper conditioner and shampoo, you’ve gone all natural. Rock on with your bad self.
Here’s another fun thing you can do with apple cider vinegar: use it as a natural appetite suppressant so that you don’t spend as much money on food. Just one table spoon accomplishes this. Then you can do the costly craving avoidance method and there you have it! Multiple uses for cheap-ass products.
♥ The Budgetologist
Why is it important to save? Because life is a big old machine of who-knows-what tossing unexpected bullshit your way at any given second. No money in the bank is probably the worst fate there is.
Here’s an example: Suppose you’re walking along and bam! you get cancer. A physically fit 30-something year old like yourself should be healthy with no problems right? Wrong! It happens all the time.
Never fear though, you have health insurance! Through your job! And that will pay for all of your treatments right? Wrong! In reality, do you think if something serious happens to your health, your insurance will pay for even a fraction of what it will cost you? Do you think you’ll be able to go to work every day and do what you need to do to earn the money you need to survive? Hell no, you won’t. This is when savings becomes a matter of life and death.
Did I scare you? Good! You needed a J.K. Simmons in Whiplash moment to snap into reality. Realize this: saving money is crucial and therefore budgeting is crucial. You’re not going to work forever, you’re not going to be able to work forever, and you most certainly will not want to work forever. You’ve got to have money in the bank before you bank your butt (what?!)
Here’s the deal: I have budgeting down to a science. I think about my finances and budgeting more times in the day than I care to admit. This year, I’ve been living on wages that are barely above minimum for the state of California. Why? Because I’m in my dream job and everyone’s gotta start somewhere. It’s taught me more about budgeting than I thought I knew. I want to share some of my secrets with you.
♥ The Budgetologist