397 Ways to Save Money: Spend Smarter & Live Well on Less - PDFDrive.com

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397 Ways to Save Money: Spend Smarter & Live Well on Less - PDFDrive.com Page 18

by Kerry K. Taylor

Saveyourseeds. Manyflowerandvegetablevarietiesproduceseeds that you can save and plant the next spring. Saving seeds may take a littlebitofwork,butyoudon’tneedtopayforplantsnextseason,and you’ll have a ready supply of your favourite hard-to-find varieties.

  Unless you’re into experimenting, plant heirloom varieties each year.

  Hybrid flowers and vegetables generally produce plants significantly differentfromtheirparents,soyoumaybestartledtoseewhatsprouts fromtheseedsyousavedfromlastyear.Lookonlineforplant-specific

  instructionsonhowtoharvestseedsattheendoftheseason.

  BOTTOMLINE:Savesomegardeningdollarsbyplantingheirloom

  plantsandsavingtheseedsfornextyear.Bysavingenoughseeds

  toreplace10packagesat$2.50each,youcansave$25ayearand

  keepthevarietiesyouliketogrow.

  Convert part of your lawn to a vegetable garden. Adding green spacearoundyourhomeintheformofalawnisattractive,butit’salso expensivewhenyouconsiderthecostsofgrowinggrassoverthesavings

  gainedfromhavingyourownvegetablegarden.Byconvertingaportion

  of your greenery to a small vegetable garden, you get more bang for yoursoilbuckandcansavemoneyonyourfoodbudget.Ifyouhavea

  bumpercropandgrowtoomanyveggiesforasummerofsalads,freeze

  or preserve them to enjoy inexpensive and healthy produce in the winter.

  BOTTOMLINE:Withabitofcare,a$3tomatoplantcaneasilyyield

  25poundsoftomatoesbytheendofthesummer.At$1.50/pound,

  thisisequivalenttomorethan$35ofstore-boughttomatoes—plus

  they’llbetastier.

  Plant expensive foods. Use your garden space wisely by growing vegetables that are expensive to buy but easy to grow. Foods like broccoli,garlicandherbscancostdozensofdollarsatthesupermarket.

  Freeze,dryorpreserveyourextrasforthewintermonths.

  BOTTOMLINE:Planting$5ofherbsfromseedsinyourgardenand

  freezingthesurpluscaneasilysaveyoufrombuying$50of“fresh”

  herbs in the supermarket over a year—that’s a tenfold return on yourinitialinvestment!

  Use a manual push mower. Save yourself lots of green by cutting your lawn with a manual push mower instead of a gas-powered unit.

  Manualpushmowersslicethegrassusingtheenergyyouprovideand

  costanywherefrom$100to$150withvirtuallyzeromaintenancecosts.

  On the other hand, gas-powered lawn mowers are expensive. A mid-range gas push mower costs around $500, while a ride-on mower can cost in the thousands. Add the cost of fuel and you’re looking at tall costsjusttokeepyourlawnshort.Asanaddedfreebonus,pushmowers

  arequiet,arenon-pollutingandgiveyouagreatworkout.

  BOTTOMLINE:Getphysicalanduseamanualpushmowertotrim

  yourlawnandsavehundredsoverthegas-poweredvarietybothin

  purchasepriceandfuelcosts.

  Keep your lawn mower sharp. You don’t need to be the sharpest knife in the drawer to know that dull lawn mower blades do not cut grass well. If you’re using a gas or electric mower, dull blades can increaseenergyuseby10%.Purchaseasharpeningstonefor$5to$10

  atmosthardwarestoresandsharpenyourlawnmower’sbladesatleast

  everyothermonth.Justbesuretoturnofforunplugyourmowerbefore

  sharpening.

  BOTTOM LINE: Dull lawn mower blades can give your lawn a

  ragged look and cost you around $20 in increased energy costs.

  Sharpenyourbladesbimonthlywitha$5sharpeningstone.

  Mowyourownlawn. Ratherthanhireacompanytomowyourlawn,

  get your motor running and cut it yourself. Lawn-maintenance

  contractorscancharge$100to$200eachmonthtocareforanaverage

  lawn. If you don’t have the time, consider hiring your neighbour’s teenagertomowforlessthanthecostofaprofessional.

  BOTTOM LINE: Save up to $800 each year by cutting your own grass.

  Growatallerlawn. Growingyourlawntoheightsbetween5and8

  centimetres(2and3in.)cansaveyouupto50%ofthewaterconsumed

  by a shorter 2.5 to 5 centimetres (1-to-2-in.) lawn. Keeping grass cut shortcausestherootstogrowshallow,whichexposesthemtothedrier

  soilatthesurface,sothegrassthenrequiresmorefrequentwatering.

  BOTTOMLINE:Keepyourlawnbetween5and8centimetres(2and

  3in.)tosaveupto50%onyourwatering.Atallerlawnalsohelps

  tocrowdoutweeds,savingyouadditionaldollarsonweed-busting

  maintenancecosts.

  Neveroverwateryourlawn. Anestablishedlawnrequiresonly2.5

  centimetres (1 in.) of water each week, whereas many people water double that amount. Every centimetre of water on a 100-square-metre lawn(1,075ft.2)addsupto1,000litres,or1cubicmetre,ofwater.With manymunicipalitiescharging$2percubicmetreforwater,thepriceof

  overwatering your lawn can quickly add up. To measure your water usage,buyaplasticwateringgaugeatyourhardwarestoreforabout$5.

  Placethegaugeinthelawnandturnoffthesprinklerswhenyouhave

  reachedthetargetamount.

  BOTTOM LINE: By watering a 100-square-metre lawn 2.5

  centimetres each week instead of 5 centimetres, you save $21.67

  eachmonth.Decreasetheamountofwateryoufeedyourlawnand

  savehundredseachyear.

  Waterearlyinthemorning. Wateringyourlawnandgardenearlyin themorningwhenit’scoolout,andbeforeanywindshavepickedup,

  can significantly reduce the amount of water you need to use. By watering in the mornings instead of in the hot afternoons, you can reduce your water use, because heat and evaporation are not

  diminishingyourwateringattempts.

  BOTTOM LINE: Save up to 40% on your lawn and garden water

  costsbywateringearlyinthemorning.

  Collect rainwater with a rain barrel. Hook up your home’s eavestroughstoarainbarrelandcollectfreewaterforirrigatingyour garden.Theroofonanaveragehousecancollectover1,000litresina

  single10millimetredownpour,addinguptoover$2inmunicipalwater

  dependingonyourlocation.Rainbarrelscanbepurchasedathardware

  storesforaround$50each,butlargeplasticdrumscanbefoundforfree oratverylowcostbybrowsingtheclassifiedsinyourlocalpaper.

  BOTTOMLINE:Saveupto$50ayearonwatercostsbyconnecting

  yourdownspouttoarainbarrel.

  Use vinegar and dish soap to kill weeds. Lawn and garden herbicides can eat holes in your pocketbook while being hard on the environment.Skipexpensiveherbicidechemicalsandcultivateyourown

  weed-clobberingsolutionbymixingvinegarwithabitoffood-safedish

  soap.Fillanoldspraybottleandspraydirectlyontotheleavesofweeds.

  Thisfrugalandenvironmentallysafemixturekillsmostweedsandcan

  besafelyusedanywherenearpetsandchildren.Fortougherweeds,abit ofdiggingisfreeandguaranteedtowork.

  BOTTOMLINE:Usevinegarandelbowgreasetokillweedsinstead

  ofpayingforherbicides,savingyouabout$15ayear.

  Makeyourownfertilizerwithcompost. Skipspendinggooddollars on expensive synthetic and petroleum-based fertilizer each year by starting a compost. A properly maintained compost can break d
own wastefrombothyourkitchenscrapsandgardentrimmings.Thecompost

  from a single household can replace about $20 worth of synthetic fertilizereachyearandwillhelpkeepchemicalsoutofyourvegetable

  garden.

  BOTTOMLINE:Startacompostinyourbackyard,underyoursink

  or in your basement and save up to $20 each year on buying fertilizer.

  GrowingPlantsfromCuttings

  Propagatingaplantfromacuttingisaneasyandfreewaytogrowmore

  plantsforless.Andit’ssosimple:youtakeaplantpiecesuchasastem andgrowawholenewplantoutofit!Bushes,shrubs,perennialflowers

  andvegetablescanallbegrownfromcuttings,savingyoutheexpenseof shopping at your local garden centre. Talk to your friends and

  neighboursabouttradingcuttingsfromoneanother’splantstoincrease yourvarietyofspecimens.

  WhatYouNeed

  •Asourceplant

  •Pruningshearsorasharpknife

  •Rubbingalcohol

  •Rootinghormone(a$10containercanbeusedforabout50

  cuttings)

  •Soil-lesspottingmixora50/50mixtureofpottingsoiland

  sand

  •Apot

  •Aclearplasticbag

  Instructions

  1.Selectacuttingfromasourceplant—sidestemsabout5to10centimetres (2to4in.)longarepreferable,andyoungergrowthswithoutflowerswork best.

  2.Sterilizepruningshearsorasharpknifewithrubbingalcohol.Removethe cuttingfromthesourceplantbycuttingorslicingdiagonally.

  3.Removeleavesfromthelowerhalfofthecutting.

  4. Dip the cut end of the cutting in rooting hormone, following product directions.

  5.Addyourpottingmixtothepotandpokeaholeinthesoildeepenough tofitthelowerhalfofthecutting.

  6.Insertthecuttingintotheholeandgentlypressthesoilaroundit.Water well.

  7.Placethepotwiththecuttingintoapartiallysealedplasticbagtokeep thehumidityhigh.Trytoavoidlettingtheplastictouchtheplant.

  8.Rootingcantakefromoneweektoonemonth,dependingontheplant

  variety.Tocheck,gentlytugonthecuttingonceaweek.Ifyoufeelabit

  ofresistance,rootinghasbegun.

  9.Oncetheplanthasrooteditcanbetransplantedtoregularpottingsoil.

  Successratesvaryfrom50%to90%dependingontheplantsyouuse,so

  it’salwaysagoodideatotakemorecuttingsthanyouneedplants.Once theplantshavestartedgrowing,anyextrascanbegivenawayasgifts!

  Raise backyard chickens. I cluck you not, there is a growing movementamongurbandwellerstosparesomespaceintheirbackyards

  toraisechickensforeggs.Youwon’tsavehugebucksfromraisingyour

  ownclucks,though.Themonthlycostofkeepingsixchickensisabout

  $30 in standard feed, and this doesn’t include the cost of building a smallcoopandbuyingthebirds.Butifyoulovefresheggs,expectto

  fetchabout9to10dozeneggsfromhalfadozenchickenseachmonth,

  averaged throughout the year. You can reduce chicken feed costs by givingyourkitchenscrapstothebirds.Chickenscanbefedbasicallyany food,includingfruits,vegetables,kitchenleftoversandsmallamountsof meat.Avoidfeedingyourfinefeatheredfriendsavocado,saltyorgreasy foods, raw potato peels or potato greens, citrus, chocolate, processed sugars and spoiled food. Raising backyard chickens may not save you hugedollarsoverbuyingeggsfromthegrocerystore,buttheeggswill

  bemuchbetterquality,andthehome-entertainmentvaluealonemaybe

  wellworththeprice.Keepingchickensathomemayevenproveafun

  way to teach your kids about farming, helping them develop a better understanding of where our food comes from. If you have neighbours wholoveeggs,considersellingyourdozenstoraisesomeextradollars.

  Justcheckyourmunicipality’sbylawsbeforebuildingacoop;somemay

  have rules against poultry running free in backyard spaces. Check out backyardchickens.comforresourcesonbuildingcoops,buyingbirdsand

  howtotakecareofyourfeatheredfriends.

  BOTTOMLINE:Keepingchickensforeggsworksouttoabout$3.15

  perdozeneggs—aboutthesamepriceasatthegrocerystorebutfor

  muchhigherqualityeggs.

  HowtoStartaCompost

  Compostingisafrugalandenvironmentallyfriendlywaytoturnkitchen

  andgardenwasteintonutrient-richfertilizerforyourlawnandgarden.

  Virtually all plant material can be composted, ranging from fruit and vegetablepeelstocoffeegrounds.Awell-maintainedcompostwillbreak

  down smaller pieces of organic matter in weeks, giving you access to freshsoilonaregularbasis.Avoidaddingdairy-basedfoods,meatand

  fish,poopandnon-degradablematterlikeplastic,glassormetalstoyour compost.

  Allyouneedtocreateyourownsoilisacompostbinandashovel.

  Composting bins can be built for little to no cost using scrap lumber, whileplasticcompostbinscanbepurchasedatmosthardwarestoresfor

  around$50—manymunicipalitiesoftensellplasticcompostbinsforhalf

  thepriceinthespring.

  CompostingTips

  Herearesomewaystogetintothehabitofcompostingandmethodsfor

  buildingamoreeffectivemixture:

  1. Keep a small bucket or container in your kitchen to help collect biodegradablescrapslikeproducepeelsandcoffeegrounds.Everyfew

  days,dumpyourkitchenwasteintothecompostbinandmixthenew

  materialintotheexistingcompost.

  2.Trytomaintainacompostmixtureofabouthalf“browns”andhalf

  “greens.” Browns are materials high in carbon such as dried grass, leaves, sawdust, straw and paper. Greens are materials high in

  nitrogensuchaskitchenvegetablewasteandanyfreshplantmaterial

  suchasgrassclippings.Youdon’tneedanexactmixture,buthavinga

  compost of only browns or only greens will not promote

  decomposition.

  3.Aworkingcompostshouldnotsmell.Ifyourcomposthasanodour

  and attracts flies, make sure you have a good mix of browns and greensandalwayscoverfreshmaterialwithexistingcompost.

  MaintainingYourCompost

  Maintainingyourcomposttakesonlyafewminutesamonth.Hereare

  sometipstokeepyourcompostbreakingdowneffectively:

  1.Onceamonththoroughlyturnandfluffallmaterialinthebinusinga shovel or pitchfork. This gets the air circulating around the material, whichprovidesventilationandpromotesdecomposition.

  2. In the hotter summer months, add a little water every other week to keepthecompostmoistbutnotsoaking.Moisturefeedsthebacteriain

  thecompostandkeepsthematerialcomposting.

  3.Afteroneortwoyears,dependingonhowmuchcompostyouproduce,

  removemostofthematerialfromthecompostbin.Youcaneitherlet

  this sit to “finish” in a pile for a month or dig it directly into your flowerbeds and vegetable garden. Don’t remove all your compost,

  though—leaveasmallamounttohelpgetthenextbatchgoing.

  BOTTOMLINE:Compostingcaneliminatetheneedtousesynthetic

  fertilizer, saving you at least $20 to $50 a year. Composting also reduces the amount of garbage you produce, which can decrease thecostofgarbagepickupandsaveyoufromspendingadditional

  dollars on plast
ic garbage bags. Because composted fertilizer

  absorbs and retains water more readily than regular topsoil, you canalsodecreasetheamountofwateryouuseinyourgarden.

  10VegetablesYouCanGrowinaPot

  Don’thavespaceforsoil?Noworries,youdon’tneedalargeyardorthe perfectplottogrowyourownvegetablegarden.Allyouneedisalittle imagination,someseeds,soilandaflowerpot.Ilearnedaboutcontainer gardeningyearsagowhilelivinginanapartmentbuildingindowntown

  Ottawa. My neighbours one balcony over always grew a selection of parsley, green beans and heirloom tomatoes in containers and would often share some of their extra bounty. I learned the value of limited gardeningspaceandhowmuchonecouldgrowjustbyusingtheright

  containers and two green thumbs. By growing these 10 vegetables or herbsinapot,IestimateIsavedhundredsayearongroceries—andhad

  lotsoffunatthesametime.Forfree,customizedadvice,makeuseofthe

  experts at your garden centre—they’ll have great local knowledge and will be able to answer your questions about sunlight, location and planting.

  WhatYouNeed

  •Planter pots. A 10-inch diameter clay pot costs about $5. Plastic containerscost50%less.

  •Soil. Untreated potting soil costs about $2 to $3 per bag, enough for severalpots.

  •Wateringcan. Youcanmakedowithasmallbucket,butaspoutedcan costing$5to$10makeswateringaloteasier.

  •Seeds or plants. Growing from seeds is less expensive than potting plants.

  GetPlanting

  Growing food in containers is fun, frugal and easy. The following vegetablesandherbsallgrowwelltogether,sodon’tbeafraidtomixsix or seven herbs together in a single pot, or use cordoned containers to growdifferentvegetablestogether.

  1.Herbs

  Freshherbsboughtfromthegrocerystoreareexpensive.Startingasmall herbgardeninapotcanprovideyouwithfreshherbsallsummerlong.

  Rosemary,basil,thymeandsagecanallbeplantedtogetherinasingle

  container.

  2.Tomatoes

  Whilemanygardenvarietiesoftomatoesrequirealargeareatogrow,

 

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