Google

Mr. Cheapies Frugal Budget Tips


So you feel like a hamster spinning your wheel? The faster you run, the faster the wheel spins. Just when you get a raise, you notice the price of hamster wheels jumps!

Mr. Cheapie is here with his super-charged budget-cutting tips.

One of the biggest wastes of money is restaurant meals. You can cook a meal at home for about 2 cents a plate. Just put leftovers in the microwave, and Presto!

Those same leftovers cost a lot more at a restaurant. They call it "the buffet", and they sell it to you for $10.95.

Consider also the steak dinner that costs, say, $7 at home. At the restaurant, you pay $13.95 for the same meal. Or, if you want fancy napkins, $39.95.

Plus tax.

Funny thing about eating at home; you don't pay tax. But step into a restaurant, and guess who jumps in: "Hello, my name is Taxman. I'll be your waiter tonight. Would you like to start with something to drink? Perhaps a very nice glass of wine? That will be 50 cents, plus the price of the wine, of course."

"Why would you tax my wine?" Mr. Cheapie wonders. "It's not like the government made it."

"Who do you think keeps this country free and safe so that you can enjoy your wine?" Taxman demands. "Do you think Saddam Hussein would let you drink wine if he was still in power?"

"I don't see how he could stop me."

"Hah!" Taxman replies. "He has spies everywhere. He knows you drink wine and he has targeted this very bottle to self destruct."

"Actually, I don't drink wine. His spies must run on the same technology as his scud missiles," Mr. Cheapie muses. "How about a steak dinner?"

"An excellent choice," Taxman beams. "That will be $1.73, plus the price of the meal."

"Now what?" Mr. Cheapie demands. "Are you saying that Saddam is targeting my steak."

"Of course not," Taxman giggles. "We have him locked away. But watch out for North Korea."

"Why?"

"North Koreans are starving," Taxman explains. "They don't have steaks."

"Ah, so the North Korean government wants to take my steak and give it to their citizens."

"Not a chance. That would violate the official North Korean policy of starvation for all. They would never feed your steak to the people. But they would hold it up to taunt them," Taxman grins. "Then they would throw it into the fire to fuel a nuclear missile trained on this very table you are sitting at."

"Which is why you need to tax my steak."

"Exactly," Taxman nods.

"It's like a security deposit."

"That's right," Taxman smiles.

"It's protection money."

"You understand," Taxman winks.

"It's your tip."

"That's what I sa ... no it's not! It's national defense," Taxman insists.

At home, you never have to tip the microwave. But, at the restaurant, your waiter expects 15%.

Mr. Cheapie has discovered a legal loophole to save 15% on your restaurant bill. According to a national Mr. Cheapie survey, your plate usually has 15% too much food on it. Set aside 15% of your meal. When your waiter comes to collect his tip, pay him in food. Your waiter raved about today's special, so Mr. Cheapie is sure he will appreciate having some for himself.

If Taxman is your waiter, don't actually give him the food. Just taunt him with it -- then mail it to North Korea. Then they won't have to blow up your table to get it themselves. Why pay for national defense when the postal service can protect your freedom to eat for just the cost of a stamp?

Aren't you glad Mr. Cheapie offers such useful, free advice?

About The Author

David Leonhardt - sign up for his weekly satire column up at http://www.TheHappyGuy.com/positive-thinking-free-ezine.html or read more columns at http://www.TheHappyGuy.com/self-actualization-articles.html.

Join in the happiness at http://www.thehappyguy.com, info@thehappyguy.com


MORE RESOURCES:

RELATED ARTICLES


Bankruptcy - The New Scarlet Letter
Nathaniel Hawthorne's book The Scarlet Letter states in Chapter 2, "On the breast of her gown, in fine red cloth, surrounded with an elaborate embroidery and fantastic flourishes of gold thread, appeared the letter A." The letter A stood for the word adulterer and represented one of the worst insults in society.
Why You Should Get Out of Debt Today?
The main reason for getting out of debt today, is because people with little or not debt have more control over their future:1. They have more discretionary income, meaning that you won't be living pay check after pay check as you probably are right now.
Tips For Saving Money
Still living from pay to pay? Or envying those great wealth accumulators and wondering how they did it? Every month you make a resolution of saving some dollars from your paycheck, but only end up breaking it. Looking for some magic formula for saving money?Well, there’s no magic formula—only some simple rules to be followed with determination and persistence.
Should You Join a CCCS - Consumer Credit Counseling Service for Debt Relief and Financial Freedom?
Do You Need to Join a CCCS - Consumer Credit Counseling Service?Are you in a "debt hell"? If you are unsure, ask yourself these questions:Do you have bill collectors calling you and home and at work, leaving annoying messages?Are you afraid to open the door in the morning because you are afraid that the Sheriff's office has left a court goody for you?When the phone rings, do you get butterflies in your stomach?If you answer the phone and it's a bill collector, when they ask for you, do you reply "He/She's not in right now", or even just pick up the phone and then hang it up without saying who is on the other end?Do you go for days on end without checking the mail because there are only bills there?When you finally do get the mail, do you just throw it in some random location for weeks or even months without ever opening it?Are you paying one credit card company's bill with another credit card?Are your credit cards riddled with over the credit limit and late fees?Do you only receive high interest credit card offers?Have you applied for credit cards or car loans and been told that you had been denied because of bad credit?Does your credit report show a lot of late payments, charge-offs, bad debt, 30 60 90 or 120 days late entries listed?Does filing bankruptcy seem like your only way out? If you related to at least two of those items, chances are you would benefit from a consumer credit counseling service.Believe me, I know what you are going through.
Bankruptcy Your Best Bet?
Filing bankruptcy is a common practice among the U.S.
Bad Credit Home Loan To Get You Out Of Debt
A "bad credit home loan" can help you climb your way out of debt and get you started back on the road to upstanding, good credit. There are many lenders who are willing to make bad credit home loans to you - a loan based on your equity in your home even if your credit has slipped or isn't as perfect as it could be.
4 Simple Ways to Solve Your Debt Burden
Getting Behind Getting behind on your debts owed can be a very frustrating and trying time for you and your family. Depending on how far behind you are, there are other repercussions, such as your credit rating, that will affect you further down the road.
Dont Drown Your Debts, Manage Them!
Are you among the millions of people who have found themselves unable to make even the minimum payments on credit cards and other unsecured debts? If so, there is relief in sight. It is no longer necessary to keep paying constantly but never really make any progress towards reducing or eliminating your debts.
Bankruptcy: What the New Law Means to You
On April 20 of this year, President Bush signed a bankruptcy reform law. When this law goes into effect in October of this year, it will be much more difficult for Americans to use Chapter 7 bankruptcy to get a fresh start on their financial lives.
Individual Voluntary Arrangements- A New Alternative to Bankruptcy
This May, the Department of Trade and Industry in the UK found that there were 10,091 bankruptcies in the first quarter of 2005. This represents an increase of 24.
Debt and Financial Optimism in the UK Continue
With £1.3 trillion pounds worth of debt in the UK, Scotland's Citizens Advice Bureau has welcomed a new Bill to regulate lenders and protect borrowers from creating un-repayable levels of personal debt.
How To Pay Credit Card Debt Off
If you are determined to pay credit card debt off you are making the best financial decision of your life. The reason credit card debt is so bad is because it carries such a high interest rate.
Debt Elimination
If you're reading this article right now I'm sure that you are looking for a debt elimination system that will help you get out from under you personal mountain of debt. Hopefully you're not looking for the magic pill that will suddenly dissolve your debt problem.
Get Debt Free
If you once have been caught in the debt trap, how do you come out of it and be debt free? We are different and each of us has our own lifestyle and our own financial state, so the way to debt elimination is different from person to person. One plan will be good for some, but not for others.
How to Become Debt Free
In today's consumer society it is all too easy to get into debt. If you have a few credit cards, car loan, mortgage and possibly student loans it can easily add up.
Bank Like a Banker
The business of banking has changed dramatically over the last decade. Because the cost of doing business the old-fashioned way is no longer effective, banks are interested in changing their customers' behavior by encouraging electronic banking alternatives whenever possible.
Debt Settlement
What is debt settlement?Debt Settlement is a process to settle your debts with the creditors. With debt settlement, a third party or you yourself negotiate with your creditors to come up with a reduced debt that you agree to pay.
What Is A Chapter 13 Bankruptcy?
Many consumers that are bogged down in debt frequently turn to bankruptcy as a form of restoring their financial status back to a zero balance. Unfortunately many of these same consumers are confused when it comes to the difference between a Chapter 13 bankruptcy and a Chapter 7 bankruptcy.
Debt and Your Dreams
You may not realize what that credit card bill is doing to you?Bob is a 27 year old truck driver. He dropped out of college after one year and got a job.
The 7 Secrets to Getting-and Staying-Out of Debt
As vice president of the American Credit Foundation, a nonprofit organization that helps individuals and families manage their debt, Mike Peterson knows firsthand how financial problems can wreak havoc in one's life. Each day, counselors at the Midvale, Utah-based foundation help desperate clients dig themselves out from under piles of unpaid bills, stern notices from collection agencies and ominous foreclosure threats.