6 Ways Penny Pinchers Make Toiletries Last

Penny Pinchers don’t waste a single drop of their toiletries, and they implement simple tips and tricks to make them last. You don’t need to go to extreme measures to make the most out of your toiletries, you just need to try these few tweaks. Take a look below at 6 ways penny pinchers make toiletries last so you too can get every last drop out!

 You don’t need to go to extreme measures to make the most out of your toiletries. Learn these six ways penny pinchers make toiletries last so you too can get every last drop out!

1. Follow the usage instructions

How often do you pour yourself a handful of shampoo, not even looking at the instructions on the bottle? Chances are you only need a nickel sized amount, but we typically use much more. Before using any toiletries, read the usage directions to make sure you aren’t over using. Using more than recommended is wasteful and may not give you the intended results.

2. Use the rinse out method

Before tossing any shampoo or conditioner bottles (or soap or detergent bottles for that matter), try the rinse out method. Pour some warm water into the bottle and give it a good shake. Let the bottle sit upside down for a few minutes and then you should be able to get a few more uses out of it. Using warm water is important, as it can help loosen the product and get it moving easily.

3. Store bottles upside down

Penny pinchers store toiletry bottles upside down. This keeps the product from getting caught in the corners of the bottle where it gets stuck and wasted. It also makes pouring product out much easier on you. Store your products upside down, if possible, to keep the product flowing and out of those tricky corners.

4. Keep scissors in the bathroom

Penny pinchers keep a pair of scissors in the bathroom to cut open stubborn tubes. If you think your tube of toothpaste is out, just cut it open down the center and see how much more you can squeeze out. Chances are, there is a ton hiding in there. You can also use this trick when dealing with tubes of hair product, lotions, skin products, and other tube toiletries.

5. Model moderation to your children

Many times children aren’t shown how to use toiletries, and so they waste them during use. Show children how much product they should use so that when they wash their hair or face or brush their teeth, they are using the appropriate amount and not over doing it.

6. Don’t open a new product until the old one is empty

Many times we reach for a new product when the old one is only 80% empty. Be sure you aren’t opening a new product until the previous one is 100% gone using the methods mentioned above. This way you are getting every single bit out before moving on.

Penny pinchers use these tricks for making the most of their toiletries. Give them a try and see if they help you stretch your products and your budget.

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7 Items Penny Pinchers NEVER Spend Money On

Penny pinchers make thoughtful purchases and think out every dollar they spend. The truth is, there are certain items that penny pinchers refuse to spend money on. They can save the money they don’t spend on these items or use it for more important needs. Take a look below at 7 items penny pinchers never spend money on, so you can pinch and save as they do. Here is what you need to know!

Penny pinchers make thoughtful purchases and think out every dollar they spend. And there are certain items that penny pinchers refuse to spend money on.

1. Condiments

Penny pinchers love hanging on to their carryout and restaurant condiments. The small packets work great when tossed into lunches or meals on the go. And they prevent the need for having to buy regular sized bottles. Penny pinchers save ketchup, mayo, and salt packets, knowing they will always come in handy. While they are at it, they hang on to those carryout utensils and napkins too!

2. Reading materials

A penny pincher knows that their library is an excellent source for free reading materials. They also know that Amazon offers hundreds of free eBooks for the taking. These are two wonderful sources for all the reading materials one could want!

3. Music

Just as a penny pincher goes to the library for books, they go there for music as well. Libraries have huge selections of current music free for the borrowing. Penny pinchers also take advantage of free music streaming from stations and apps such as Pandora. By listening to just a few commercials you can get all the free music you want.

4. Housekeeping

A penny pincher would never pay for something they can do themselves. This includes housekeeping and cleaning. Penny pinchers do these household tasks themselves as opposed to hiring someone else to do it. In turn, they save big. They also take care of  laundry, lawn care, and other household jobs themselves.

5. Premade cleaning products

Why pay for store bought cleaning products when vinegar and baking soda clean just about everything? Vinegar makes counter tops and floors sparkling clean, makes glass shine, and can make your sink as clean as ever. Baking soda cleans out disposals, absorbs drain odors, and can scrub away grime. Penny pinchers use these products to clean instead of buying premade products.

6. Paper products

A penny pincher never buys paper products. Instead, they use cloth napkins, tablecloths, and towels. They also use organizational apps instead of pen and paper. Penny pinchers don’t waste money on disposable paper products but instead use cloth whenever possible.

7. Prepackaged snacks

A penny pincher knows that when they buy prepackaged and snack-sized food items, they are paying for convenience. Instead, they buy their favorite snacks in bulk and divide the servings up if need be. There is no point in paying for easier packaging or convenience.

Are you ready to implement the practices of a penny pincher? Consider these 7 items penny pinchers never spend money on and see if they make a difference in your life.

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Why I Never Pay Full Price Online

This post is in partnership with Splender. All opinions are my own.

As you know I love shopping online. My online shopping obsession began when we lived in Cuba and we didn’t have anywhere to shop on the base. It was right about that time that most retailers really started investing in their online stores and it was great to have options when we were living overseas.

We moved from Cuba to West Virginia and we lived over an hour from the closest Target, Walmart, or clothing store (gasp!). My friend and I would spend hours using dial up internet, shopping for our kids at OldNavy.com and LandsEnd.com. It probably wouldn’t have taken hours if we had faster internet, but you take what you can get in the middle of nowhere.

My online shopping continued as our family continued to grow and we moved back to civilization. It was the IKEA trip of 2004 that had me swearing off in-store shopping for the rest of my life.

When I first started shopping online there weren’t many coupons or deals. Sometimes I would search online for a coupon, but many times the coupons I would find were expired or were “one time use” so they didn’t work for me.

Thankfully all that has changed drastically in the past ten years and if you are a savvy shopper you will never again pay full price for the rest of your life.

Here are three ways I save when shopping online.

Shop Ahead

Back when we lived in the arctic circle (aka Maryland for this Florida gal) I would do most of my winter clothes shopping in March. By then all the major stores had discounted their winter gear because they wanted to make room for their spring and summer inventory.

Currently I’m shopping for patio furniture, swimwear and shorts. Just last week I was able to stock up on goggles for under $3 a pair. (If your kids swim you know goggles are a hot commodity!)

Get Cash Back

Getting cash back is probably the easiest way to save when you shop online. Last summer I heard about a cash back site called Splender.com. We’ve talked about cashback shopping sites in the past, but in case you aren’t familiar with how they work, I’ll walk you through it.

Go to Splender.com and sign up for a free account (this takes under 5 minutes). Once you have an account search Splender for coupons and deals for your favorite sites.

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I love Old Navy for my kids’ clothes, so let’s start there. Right now, when I shop through Splender I can maximize my savings by using the 20% off sale merchandise coupon plus an additional 3% cash back. All I have to do is click on the “Shop Now” button to start saving.

I can shop on OldNavy.com and use the code ENJOY to save immediately and then next month I’ll receive my cash back from Splender.

What I like about Splender is that unlike other cash back programs you only need $10 in your account to get your cashback. Also, they pay every month which is really fast.

Use Coupons

There are so many ways to get discounts and coupons when you shop online. Since I like getting cash back I first look to see if Splender has any coupons or discounts on their site. Since they have partnered with over 800 stores they usually do, but if not, a quick google search will almost always bring up a coupon.

If I can’t find any coupon or discount on Splender, I go directly to the website and see if they have any discounts for loyal customers. Almost all retailers offer a discount when you share your email for the first time. I ALWAYS do this for additional savings.

Remember to also check for free shipping. Lately I’ve been shopping for uniform shorts. Since almost every children’s apparel store carries them, I’m comparing cash back percentages between stores (Splender usually has the highest), coupons, and free shipping to decide where I’m purchasing the uniforms. I’ve been able to get uniform shorts for under $8 a piece (including shipping) when I am strategic about it. That sure beats the $17 price at the uniform shop!

If you are hesitant about giving your information to another website, Splender has been a trusted partner in the cashback space for ten years (which is about a million in internet years). Also, you can request for payment via paypal so all they need is your paypal email address.

Finally, you can actually MAKE money when you shop Splender.

When you refer a friend to Splender you get $10 in cash. Not only do you earn $10 for every friend you refer, your friend receives an extra $5 after their first purchase of $50. So not only can they save using a coupon and cash back, they will get $5 after their first purchase.

If you are like me and don’t like to take five kids shopping regularly, I highly recommend shopping online more often.

I’m able to compare prices and maximize my savings from the comfort of my home.

If you haven’t tried Splender yet, you should sign up for your free account. You can start saving without even trying!

This post may contain a link to an affiliate. See my disclosure policy for more information.

How to Help Your Teen Financially Prepare for College

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A recent survey found that 48% of parents expect their children to pay for some or all of their college. Many young adults are now graduating with some amount of student loan debt. It is possible to get a college degree without having to spend the next twenty years paying it off?

How to help your teen financially prepare for college so they don't graduate with staggering student loan debt.

Forecast college costs  

You can’t be prepared for the expense of college if you don’t know how much it costs. Look online for an interactive calculator that will help estimate the cost of tuition and room and board. Don’t forget to factor in books and living expenses (aka four years of pizza).

Compare several schools to help figure out what works best with your budget.

Dual enroll or take AP classes in high school

I know many teens who graduate high school with a year or two of college credits under their belt. This can be a great way to get a head start in college and save money.

Commute to a local college or university 

Not only will you save with lower in-state tuition, your teen can save money by living at home.   I did this and was able to save thousands of dollars in room and board.

If your child has their heart set on going away to college, consider having them go to a local school the first year or two and then transferring to their dream school.

Apply for grants, scholarships and work study programs

This is something your teenager should do while they are still in high school. Every school offers grants, aid and scholarships for students. Start researching early what your school of choice has available because the sooner you apply the better.

When I was in college I was paid to take notes in class. These notes where used for students who had disabilities and were unable to take notes in class.  I was paid by the hour and this helped cover the cost of my tuition for several semesters. 

Save on textbooks 

Years ago you had to buy all your textbooks at the school bookstore and if you were lucky there was a used copy available. Not anymore. Today you can rent textbooks, buy them online, or even share with another student.

With the price of textbooks rivaling tuition for some courses, shopping around and finding the best deal is a simple way to cut college costs.

Shop for a student loan

Not all student loans are created equal. For many families, the cost of college is not something they can afford to pay for upfront. If your teen does need to take out a loan, do some research to make sure you are getting the best option that fits their needs.

Discover Student Loans offers helpful advice for students and parents, including student loan and tips on paying for school.

Take advantage of student discounts

If your child lives in a college town many restaurants and stores offer discounts for students.

Don’t just take advantage of local discounts, many online retailers offer great student discounts as well, including Apple and Adobe. All your teen needs for the discount is their student ID or college email address.

Delay college for a year

One of the most cost effective ways to get a degree is to finish it in four years. A student who switches majors multiple times or changes schools halfway through a degree program will end up paying more for their education.

Allowing your teen to wait a year and work (also saving up more money) while they figure out exactly what they want to do is a viable option for many families. Not every 18 year-old knows exactly what they want to be “when they grow up.”

Waiting a year can be a great way for your teen to earn extra money, get some real life experience, and help them decide on their educational goals before they start spending money.

This post may contain a link to an affiliate. See my disclosure policy for more information.