Saving Money on College Textbooks

My eldest grandson graduated from high school in the top 10% of his class a couple of months ago, for which we are inordinately proud - he was taking courses like advanced biology, pre-calc, physics and advanced literature/writing, which most kids around here avoid like the plague. Now we’re facing the costs of getting him through college, since we raised him and of course we will.

We have had to seriously crimp some of our expectations about how this could happen, as things have changed both personally and societally since our children were in college. First, they don’t give out full scholarships to incoming freshmen around here, no matter how well they do in high school. You have to start with your basic Pell Grant and complete at least two semesters before you’re eligible for scholarship or extra grant money. The Pell Grant won’t come in until the second semester because the process doesn’t even start until the student’s already enrolled, so tuition must be paid up front out of pocket, along with all fees and the cost of textbooks.

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Filed under Alternatives, Back to School, Brand New Used, Discount Outlets, Education, Recycling, Resale | Comment (0)

Inexpensive Health Care Tips - 2

Necessary Medicines

The New York Times reported on Monday, April 14 that Co-Payments Soar for Drugs With High Prices as the nation’s largest health insurers struggle to keep their profits high and their payments for health care low. The new pricing system forces patients taking name-brand medications to pay a percentage of the cost rather than a fixed co-payment of $10 to $30 a month for each medication they take.

The situation, and plans for a public demonstration in San Francisco during the AHIP annual meeting on June 19th are outlined in Insurers target the sickest: Say bye bye to $20 prescription co-pays.

This means that the burden of increasingly expensive health care now affects the insured, who may now have to pay thousands of dollars a month for medications in addition to their high monthly premiums and treatment co-pays and deductibles. America’s sickest citizens are once again being abandoned by a system that was originally designed to spread the costs of their care across a large pool that includes healthier people. Insurers say the new system will keep everyone’s premiums down, just at the time of year that Americans are discovering that they must pay double or more for the same health insurance they had last year. That’s not a very impressive system, considering that all other developed nations on the planet have universal health care.

Thus this installment of the series of inexpensive health care tips will offer some alternatives for obtaining drugs that may be beyond your ability to afford.

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Filed under Alternatives, Discount Outlets, Health Care, Health Maintenance, Prescription Drugs, Surviving | Comments (2)

ATG Debunks 7 Thrifting Myths

Selena at Apron Thrift Girl ventured into video this past November, and it turned out so well that I hope it won’t be her last video venture! Here she debunks 7 common myths about thrifting, which may help those who are new to living on a shoestring budget get past their preconceived prejudices and ingrained shopping habits. It also reinforces the things that us seasoned thrifters already know!

If you enjoy Selena’s video, don’t forget to check out her blog! There’s plenty more knowledge where that came from…

Previous Posts About Thrifting:

Thrifting: It’s An Art Form!
Credit Crunch: How to Survive the Recession
Living on Less: The Alternative Economies
The Payoff: Thrifting and Re-Selling
Free Yourself from Debtor’s Prison
Tips for Avoiding Pressure to Shop
Craig’s List: Great Resource or Scary Place?

Filed under Alternative economics, Brand New Used, Clothing, Discount Outlets, Recycling, Resale, Shopping, Thrifting | Comment (1)

Help Yourself to Seconds!

We’ve covered the subject of thrifting, or purchasing second hand, but there are times when you’ve just got to have new. Shoes, socks and underwear, new clothes, winter coats, household items, art and craft supplies, whatever. If your budget is tight, before you go shopping you might wish to find out where the factory outlet stores and discount outlets in your area are.

These are retail outlets that carry factory-direct items, seconds, and clothing, shoes, coats, bedding or household items in discontinued styles or colors. The prices are significantly lower than can be found at most stores, and the products are usually made in America.

Living on a shoestring budget requires a person to be resourceful, and it doesn’t hurt to remember some of the things you were taught in Home Ec classes, like how to sew. Many community colleges offer evening classes where you can learn the basics for a small fee. Schools, churches and businesses often offer evening classes in crafting, where you may find that you’ve a real flair for making things yourself.

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Filed under Clothing, Discount Outlets, Fashion, Sewing | Comments (4)