ࡱ> []Za :jbjb,, (\NN4ttttD4 : < < < < < < ,{"R$h h } v: D,: :,:  燃tJ : 0 R%%: dttCheap and Fun Ways to Live on the Stipend Just because you are living on the stipend doesn't mean you can't have fun--it just takes a little creativity! The best source for cheap and fun things in your community is the collected wisdom of former members (ask your supervisor) but here are some general ideas on ways to live it up for cheap. For other information about simple living, look up the voluntary simplicity movement, which helps people scale back their lifestyle in order to live life more fully. Live Cheaply--By keeping your other expenses down, you ensure that you have enough left over to treat yourself when you really need it. Here are some cheap living ideas from former members: FOOD Look for rebates and refund offers, and use them! Buy in bulk whenever possible. Everyday household and food items can become expensive if bought individually. Try to buy toilet paper, paper towels, canned foods, cereals, etc. in bulk in off-brand names. Always look for the generic version of an item! Check out the frozen food section. Vegetables can be bought in bulk at a cheaper rate. It may not taste as good as fresh organic veggies, but remember that this is temporary and you are broke! Double your recipe when cooking so you can get 2 meals out of the price of one. Buy fruits and vegetables in season when possible Look in your refrigerator daily for items that may go bad soon and eat them up! Try to make one meatless meal a week. Eggs, cheese and soy are all good sources of protein. Give up a vice or cut it in half. (like smoking, drinking, soda or junk food) CUT COUPONS and check out local grocery store advertisements. You can also print off coupons at  HYPERLINK "http://www.freecoupons.com" www.coolsavings.com,  HYPERLINK "http://www.findsavaings.com" www.findsavings.com, or  HYPERLINK "http://www.coupons.com" www.coupons.com Water is cheaper than sodas, coffee, etc. Try switching to tea for your caffeine fix. Have a pitch-in dinner once a month with friends. This way you get an entire meal (with leftovers) for the price of one dish. Make your own wine or beer! The initial costs may be higher, but you will be able to make several bottles. We bought a wine kit for $100 and got 24 bottles of wine out of it ($4/bottle)! They also make fun and cheap gifts! For those of us who are big tea drinkers, bring your own tea and a reusable mugyou will have enough afternoon tea for a month for about $5. If you do go out for dinner/drinks, get the smaller size or appetizer. Always order water with dinner. Check out restaurants with happy hour specials. There are tons in Portland! Make your lunch everyday. If you usually buy lunch at $5/day, you could spend over $1,000 in a year! Stop buying sodas at work. That $.90 a day adds up to $216/year. Buy off brand sodas at and stock up at work. Better yet, start drinking water! If you cant afford something, can you make it, grow it or cook it yourself? If you do not have room for a large garden, ask friends to participate in your own Farmers Market! Each person will grow as much of an item as space allows and swap each month! Stop buying expensive coffee! Make it at home and take to work or ask your office to chip in on a coffee maker. You could save over $700 a year. Make weekly menus before you go to the grocery store and stick to them! Eat BEFORE you go grocery shopping. If you are hungry, you may overspend. TRANSPORTATION and CAR MAINTENANCE If you have to fly, fly cheap! Check out websites for lower fares at  HYPERLINK "http://www.priceline.com" www.priceline.com,  HYPERLINK "http://www.mobissimo.com" www.mobissimo.com,  HYPERLINK "http://www.travelocity.com" www.travelocity.com, or  HYPERLINK "http://www.travelzoo.com" www.travelzoo.com Drive as little as possible. Get a bus pass, ride your bike, walk, etc. Temporarily raise the deductible of you car insurance policy. You can always go back and lower it when you have more money. Make sure you are getting all your deserved discounts with your auto insurance such as mutli-line, good student or good-driver. Compare auto insurance companies. You may be able to get a lower rate. If you are driving less, tell your insurer in order to get a lower rate. Group your errands. You will save gas money! Gas prices go up 5-8 cents on Mondays so fill up before hand. Research where the cheapest gas station is in town and fill up! You can do this by going to  HYPERLINK "http://www.gasbuddy.com" www.gasbuddy.com If you want to get better gas mileage, make sure your tires are properly inflated, install clean air filters and change your oil regularly. Contrary to popular belief, you do not have to let your car warm up. Dont let your car just idle. When it is 20 degrees outside, your car is up to 13% less efficient. Remember: The faster you drive the more gas you use. As a rule of thumb, you can assume that each 5 mph you drive over 60 mph is like paying an additional $0.21 per gallon for gas. Avoid keeping unnecessary items in your vehicle, especially heavy ones. An extra 100 pounds in your vehicle could reduce your MPG by up to 2%. The reduction is based on the percentage of extra weight relative to the vehicle's weight and affects smaller vehicles more than larger ones. Car maintenance can keep your vehicle in good shape and can help you avoid unexpected car costs! (Check your manual for specifics) HOUSING and UTILITIES (some of these are not only good for your wallet, but good for the environment too!) Research BEFORE you buy and COMPARE prices. It is tempting to buy a new shower curtain just because you want it, but could you get it at a cheaper price? You should compare prices at A MINIMUM of two stores before making any purchase, unless you are making a major purchase. If this is the case, then you may want to compare prices at numerous places. Get rid of cable or premium TV channels. Use dollar stores for cheap cleaning supplies and household goods Reduce your phone bill to the bare essentials or use a pay by minutes cell phone. Buy calling cards or email friends/family that live far away. You can go to your local library and use their computers for free! Check out books, music and movies at your local library instead of renting and/or buying new items. If you need a phone and cable, check out bundle packages through various business. Weather strip your doors and windows. If you have multiple rooms in your house or apartment, close the vents in the rooms not being used. Caulking is easy and a cost-effective energy efficient way to save energy. Check out doors, windows, vents, and pipes. Turn your thermostat down 1-3 degrees when you are at work or at night to save money. For every degree you turn down you thermostat, you could save up to 5% on heating costs! Clean your air conditioner and heating filters once a month. This too will save up to 5% in heating costs. Compact Fluorescent light bulbs last 10 times longer and use 75% less energy! If you can, set your water heater to the normal setting. This could save you 7-11% in heating costs. Open drapes and blinds for some natural heating! Move your furniture so you are not sitting next to exterior walls. They can be colder in the winter. Shorten your showers! Turn off your computer when not in use or put it to sleep. This can be done for MAC users as well. Install low flow shower heads. Install faucet aerators. Put a 16 oz bottle in your toilet tank. Thaw frozen foods before you use them instead of running hot water over them. Clean your washing and drying machines filters regularly Dont leave tap water on while brushing your teeth or washing your face. Avoid flushing the toilet unnecessarily. Wash only full loads of laundry in cold water. There are new detergents that reportedly work well in cold water. By doing this, you can save 75% of your washers energy. Use a clothes line to dry clothing. Wear a sweater in the winter and shorts in the summer and adjust your thermostat. Dont leave lights on or electronics plugged in when not in use. CLOTHING and HAIR Buy clothing off-season. They will be more likely to last longer than cheaper brands. In fact, try to buy everything off-season! You dont have to pay full price for anything! Remember that Spring and Summer items go on sale in June and July, while Fall and Winter items go on sale in January. Check out thrift stores and garage sales for clothes and furniture. You never know what youll find! Avoid dry-cleaning only clothes Make hair appointments at beauty schools instead of pricey salons. Hold a clothing swap with friends. Learn how to sew! Check out online bargains at  HYPERLINK "http://www.overstock.com" www.overstock.com or  HYPERLINK "http://www.smartbargians.com" www.smartbargians.com ENTERTAINMENT Shop using  HYPERLINK "http://www.Bizrate.com" www.Bizrate.com. You can enter what you are looking for, and it will find the cheapest price for it in the country Drop the gym membership and get outside by joining a walking club or doing it on your own. Take old books and CDs to a Book Broker for some extra cash. Try Netflix or other online video rental places. It is cheaper and there are no late fees or gas wasted driving to the store! Have music swaps. Everyone can pitch in to purchase CD-RW in order to burn new CDs. If you love going to the movies, go to matinees and dont forget your student id. If you can pass as a student for a few years AFTER college, why not reap the benefits!  HYPERLINK "http://www.tradepub.com" www.tradepub.com lists free publications across a range of subjects. Hold a magazine and book swap with friends before recycling them! STOP SMOKING. This is not only a health benefit but a cost saver. If you smoke 5 packs a week at $3.00/pack that totals $780 a year! A pack a day smoker spends $1,092/year! Most museums offer one day a week/month with free admissiongo on those days only. Use Frooglethe low-rate finder on Google. It will tell you the best price of anything you can possibly want on the internet. Also, if youre planning on buying something on the internet, do a Google search for coupons firstthere are a ton of them floating around. Check out independent newspapers (which are usually free on college campuses) for free or discounted concerts, plays, and festivals. Most college campuses have free events throughout the week. HAVE FUN -- Here are 23 ideas from members about cheap ways to have fun. 1. YMCA membership - they have sliding scale fees and usually give good discounts to AmeriCorps and VISTA members 2. Get outside - check out the State Parks, National Parks, National Forests, and local parks in your area. Oregon is a beautiful state with a lot of free (or nearly free) fun to be had outdoors! 3. Library card - many libraries also have movies and CDs you can check out in addition to the fabulous books 4. Museum free days - many museums have one day a week that is free or reduced-cost 5. Watch local sports - go to the local high school games or watch a local semi-pro game. Tickets are usually cheap. 6. Play sports - get a team together and join a league or search out the free local hoops, nets, and fields that you need to play your game 7. Happy Hours - not just for drinking, many bars and restaurants offer cheap food during happy hour 8. Volunteer at events - volunteer to work at an event and see it for free 9. Get crafty - learn to knit or quilt or paint or...lots of crafty supplies are cheap and make for hours of fun 10. Do things together - get a group together to rent a movie or order a pizza or go out to dinner. By splitting costs, you save money. 11. Online chess, scrabble, or other games 12. Local plays and art shows - high school performances and amateur theater can be fun and much cheaper than professional 13. Lectures and readings - many community colleges and non-profit groups bring in speakers, and book stores bring in authors for free readings from their work 14. Frisbee Golf - make up a course in a local park, grab your frisbee and your friends, and you're off 15. Scavenger hunt - make a list of items to find in your town (a take-out pizza menu, a flower in December...) and split into teams to see who can get the most items by the deadline. Or come up with a list of things each group must do (potato sack race down Main St. sidewalk, build a human pyramid), split into teams, and accomplish your tasks. Take the pictures to prove it! 16. Board games - you can often find them cheap at thrift stores, or play charades- no materials necessary 17. Karaoke - free once you're in, and always memorable 18. Open mic nights - perform or just watch, these are often free at local coffeehouses 19. Go for a walk - get to know your community on foot 20. Renegade art party - get together your artsy craftsy knick-knacks (or whatever you have on hand), invite over some friends, and make some art. Then take it out on the town and post it (with permission) or hand it out. 21. Rent a car for the weekend, and get out of town! With enough people, this doesn't have to be expensive, so pile in and hit the road. 22. Have your own "drive-in" movie. Put chairs and couches on the patio to watch a video at night in the summer--no car necessary. 23. Tour factories and get free samples. Oregon has lots of breweries and wineries as well as cheese and fruit juice plants. 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