Earn Huge Savings with Tiny Changes

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There are endless amounts of small changes we can all make to lighten our environmental footprint, which you can learn a comprehensive amount of information about from Zero Waste Home, (Read the book for a definitive guide), this blog specifically focuses on those little habits that keep money in our bank account (which most often does add up to a savings in consumer waste as well). It’s a hassle sometimes to acquire the right tools to keep more money in our pocket. For some examples, it can be a pain to walk outside in the cold to compost a bowl of table scraps. It can be painful to turn down a trip to the ice cream shop. It can seem damn right counter-intuitive to sell something new for the exact same thing in an older model. But all these things are examples of small changes I’ve made, some of them were one time changes while others are daily changes.

Deciding Which Changes Will Be Worth it

A big part of the name of this blog, “The Scratch Paper Saver” comes from the idea of using scratch paper to casually predict outcomes depending on certain variables into the future. For someone who struggled with math my whole life (I swear to god it was a miracle that I passed each math class I took from Sophomore year of high school up until university), this is very doable as long as you take the few minutes to look up the variables to make sure they’re accurate.

one will save $0.61 per coffee by using reusable filters in the Keurig

Oftentimes a quick google search can come up with articles in which others have already done the calculations for you, such as in this case where I quickly googled k-cup vs reusable filter cost comparison and found this awesomely detailed and compelling article  by the personal finance blogger, Squawkfox toward the top of the simple google search pile. So by this article’s rather diligent explanation, one will save $0.61 per coffee by using reusable filters in the Keurig rather than the severely trashy and expensive K-Cups that are relentlessly marketed for use by Keurig owners. So with simple back of the napkin math, if you drink 2 cups of coffee a day (a rather modest estimation by stay at home mom and dad standards), that’s a savings of about $37 a month. And to magnify the savings, just multiply that amount by 12 to find out the savings in a year (Around $450)! With every change, you also have to evaluate the time/effort factor that goes into each change. This is a personal decision that depends on the amount of spare time you have and how flexible you can be with external expectations (not going out to lunch with your co-workers for instance).

Using a Compounding Interest Calculator to Estimate Long-Term Savings

To make things even more mouth wateringly juicy, use a compounding interest calculator to play with the savings amount when that yearly savings is invested in an index fund with a 7% average return. This is where you put the pedal to the metal when it comes to the phrase, “A penny saved is a penny earned” my friends, as we are now very  quickly and easily going from 61 cents to thousands of dollars. Now when you throw away one of those flimsy K-cups you can simultaneously imagine reaching into your wallet, pulling out several dollar bills, and tossing those in the trash too. That thought right there should be enough to get us to take the 30 seconds needed to compost those coffee grinds and rinse out our own filter in the sink with a smile!

Small Changes Worth the Effort

    • Go to the library over purchasing new books. If you do purchase new, resell them on eBay.

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    • Sell your unused stuff on Craigslist. Learn from my mistakes here

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    • Make as much home made meals as you can from scratch.
    • Prepare a to-go breakfast the night before such as soaked steel cut oats or chia seed yogurt
    • Take a sack lunch to work
    • Freeze prepared meals for the work week on Sundays
    • Use the crock pot to make dinner while you’re at out
    • Stick to the memorable slogan, “Something to Wear, Something they Need, Something they Want, Something to Read” for your child’s holiday gifts
    • Simplify or opt out of traditional family/friend gifting

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    • Discover even more money saving (small) change that are worth the effort in this post.

 

What other money-saving changes have you made? Please share in the comments!

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10 Things You Can Stop Buying Now

Over the years, I have picked up many different ideas for how to become more sustainable, how to save money, and how to live a healthier life. Many of these ideas are a perfect union of those three attributes, and even though some of these may require a small investment up front, the items can be used for years to come.

1. Notecards/Thank You Cards/ Stationary / Birthday cards

You don’t have to be a master scrapbooking hobbyist to make your own notecards. It can be as simple as using the back of your children’s artwork, or cutting out pictures from old cards and pasting them on the blank spaces behind the front of old cards.

2. Wrapping Paper and Gift Bags

When I think of all the Christmases as a child where we overloaded our trash can with heaps of crumpled wrapping paper, tissue paper and ripped up gift bags I cringe. I’ve been saving my gift bags and tissue paper for years, and have a stash of about a dozen or so to choose from at any given time. I keep ribbons and bows, and a variety of small boxes as well. My dad always used the funnies from the newspaper as wrapping paper, and my aunt always sewed simple gift bags from discount fabrics. She also made reusable cross stitched gift tags to accompany the bags, and they’ve had decades of use with zero waste! Ingenious!

3. Cleaning Products

With a few very inexpensive household products (think vinegar, and baking soda) you can make very dependable and eco-friendly cleaning products that get the job done. You can make fancier recipes using alcohol, hydrogen peroxide, lemon juice and essential oils as well, but I’ve found most things can be easily cleaned using just those two ingredients.

4. Paper Towels and Napkins

Start stocking up on dish towels (keep a drawer or basket of them in the kitchen) and you will never again need to buy paper towels. Same for cloth napkins and disposable napkins. To make it easier on myself I put a small bucket on the counter to throw the dirty ones into, then I just throw them in the wash when the bucket gets full.

5. Herbs

It is so simple and easy to grow your own herbs. If you live in a cold climate, you can always find an empty windowsill to use. Herbs grow relatively quickly and take up very little space. Right now I’m growing oregano, mint, dill, rosemary, sage and basil, but you can grow virtually any herb you can think of. For an even cheaper option, you can order organic herb seeds online. Many herbs are perennial meaning they will continue to grow, giving you a limitless supply of fresh herbs! You can even grow rosemary just by taking a sprig off and putting it in the dirt. So easy!

6. Bottled Water

This one is kind of a no-brainer. I think the key to this is thinking ahead. For one, you will need several high quality water bottles (think stainless steel or these glass ones I love) for multiple members of your family, and also for when some are in the dishwasher or lost. Plastic ones are cheaper, but they may release nasty chemicals into your water when they get hot or sit for a long time. Keep some in the fridge so they are cold and ready to grab and go when you’re headed out the door. Then when you get back home, make sure to bring your water bottle back inside. It starts to become second-nature when you do it consistently.

7. Disposable Diapers

Cloth diapers are not the cotton fabric and safety pins that your grandma used. Today they come in many different kinds that are so easy to put on with snaps and Velcro, and come in many cute patterns. They are also much easier to store and wash then you’d think. All you need is a large wet bag for home, and a small wet bag for on the go. It zips completely closed and keeps them nice and contained. About half of the diapers my daughter uses now are the same ones we bought before she was born (she’s now 2!). I think I will write another blog post just on cloth diapering soon!

8. Pads or Tampons

Cloth pads are infinitely more comfortable than disposables, and all you need is enough for a few days as you can just throw them in the washer. On the other hand, there are many reusable menstrual cups such as the Mooncup that can be easily rinsed off each time.

9. Tupperware

I actually can’t believe that I’ve just started doing this, it is so obvious and easy. Just save all the glass jars when you use up your pantry items such as all-natural peanut butter, pasta sauce, jam and pickles. You can use them to store dry goods like beans, grains, loose herbs and teas, and also to store leftovers in the fridge. Just rinse them out and run them through the dishwasher to use again and again.

10. Toothpaste

There are many recipes floating around out there for home-made toothpaste, and most of them involve baking soda, charcoal, and mint essential oils. Infinitely cheaper, infinitely less waste, and much healthier for you as they don’t contain dangerous chemicals like fluoride.

There are so many other things you can stop buying now if you think outside the box. Oftentimes when I feel the need to buy something, I just wait a few days and I usually think of something I already have to use instead. What have you stopped buying?