Frugal Summer Activities for Kids – The Sequel! Wednesday, Jul 2 2014 

What a fantastic response to my “Frugal Summer Activities for Kids” Column back on May 13th! Thanks so much for the emails, texts, voicemails and Facebook feedback – you guys are the best! This week’s Column is dedicated to even more ideas for keeping the kids entertained this summer without draining the bank account and/or driving Mom & Dad crazy. Win-win in my book! Gleaned straight from crafty, creative DLN readers – here’s a list of even more great indoor and outdoor activities that are proven hits with the soon-to-be-paroled school age crowd.

Discount Movies – Hannah P. of West Chester emailed to tell me that last year’s heat wave will be etched on her mind forever (Amen, sister!). Despite the heat, her sons were great about playing outside and keeping busy, so once a week, she’d treat them to discount matinees at local theatres. I did some checking, and sure enough, Management at Regal Cinemas in Downingtown confirmed they have a kids’ movie festival starting June 24th, ending August 20th. Every Tuesday and Wednesday, kids can attend morning movies (starting by 10A), for just $1 per ticket. That’s a couple of hours of highly-entertaining air-conditioned goodness right there. Just to put the cherry on top of it, when the movie is done, you can take your ticket stub to the nearby Chick-Fil-A (same day) for a free chicken sandwich (like they’re not addictive enough to begin with). Sweet!

Stargazing – Charlie T. of Glenmoore bought a second-hand telescope three years ago on Craigslist for his teenage kids to enjoy, and it’s been popular beyond his wildest expectations. Each summer, when the sun goes down, the kids spent hours checking out the moon, planets, stars, and anything else in the night sky that caught their attention. They often invited friends over to join them, and sure enough, they got hooked as well! (X-box, Schmex-box, I can see Jupiter’s rings in my telescope!) Side note from Charlie – even his older model digital camera had enough of a zoom lens for his daughter to get some great close-ups of moon craters, creating some wonderful framed pics for his daughter’s room, not to mention a budding astro-photographer. Get your own teenage astronomers on the case this summer, and get them psyched for the spectacular Perseid Meteor Showers in August!

Other Fun Chester County Venues — Gee, if only there were a detailed website telling everybody where they could find inexpensive kids’ fun in Chester County… oh wait, there IS! Debbie Z. of Exton sent a link to a great website called kidschesco.com, and it’s packed with fantastic ideas that are not only close by, but inexpensive. Festivals, fairs, please touch museums, camps, workshops – Chester County is buzzing with terrific, inexpensive activities for kids!

Whatever you do to keep the kids entertained this summer, don’t let it break the bank – Chester County has you covered. Frugal On!
Kristen Hagopian is a Syndicated Radio Talk Show Host, Columnist & Author of Brilliant Frugal Living. She co-hosts WCHE 1520’s Morning Show, and “The Kristen Hagopian Show” airs Tuesdays at 4P. When she’s not at WCHE, she’s usually shopping the fabulous deals at Swann’s Pantry Grocery Outlet in Exton. She resides in Chester County with her family. You can find her online at http://www.BrilliantFrugalLiving.com

Frugal Summer Activity ideas for kids Wednesday, Jul 2 2014 

You might think I’m crazy, but I’m looking forward to having my kids out of school for the summer. My nine-year old daughter and six-year old son have cranked out incredible amounts of work this past year, and I can’t wait to let them play their little hearts out when school lets out in a few weeks.

That being said, I’m getting a good amount of email from readers saying that each year it seems a bit tougher to find fun, safe, inexpensive activities that the kids will love. So, when Susan T. of Frazer emailed me a great article from myblessedlife.net titled 101 Summer Kids’ Activities, it was like striking gold! Read on for my favorite picks of the best Summer Kids’ activities, none of which will break the bank!

1. Lawn Sprinklers – I don’t care how hot it gets, when you pull out the sprinklers, intense summer heat with 95% humidity actually becomes an asset. Now, I’ve seen amazing sprinklers in action that look like they belong in a car wash, and quite frankly, they freak me out. Stick with the easy, dependable ones that you can get at any hardware store for about $30. They last forever. If you really want to see pure delight on your kids’ faces, put two or three of those sprinklers close together in your yard, fire them up, and watch as your kids look at you like Mom of The Year. Add some Kool-Aid to the scenario an hour later and they’re ready to carry you around on their shoulders.

2. The Library – Air conditioned, quiet, and no big bugs. Need I say more? It is a trifecta of Mommy summertime happiness. Add in the fun activities and workshops for the kids, not to mention all of the coolest books and magazines for Mom as you hang out while they’re in the workshops, and you’ve got a great activity that can take up the better part of a hot summertime afternoon.

3. Sidewalk Chalk – If you’ve got kids ten and under, invest in a pack of these delightful little creative gems. Find them a shady spot in the driveway and let their little chalky Michelangelo hands go wild!
4. The Park – It’s free, it’s loaded with mack-daddy swing set equipment that you’d never find in your own yard, and it never gets old for the kids. They also often have excellent, flat, paved areas that are great for the Big Wheels and bikes. Throw in a picnic lunch from home and you kick it up another notch for the 10-and under crowd. From the Mom standpoint, I love connecting with the other Moms as we all hang out and drink in some sunshine therapy after the crazy winter we had! Viva Vitamin D!

Whatever you do, don’t worry about summertime activities costing an arm and a leg. Trust me, the most priceless thing for your kids is being out of school! Add a popsicle and a lawn hose to the scenario, and you’re perfectly set up for another fabulous summer. Frugal On!

Kristen Hagopian is a Syndicated Radio Talk Show Host & Columnist, Motivational Speaker & Author of Brilliant Frugal Living. She co-hosts the Morning Show on West Chester’s WCHE 1520, and “The Kristen Hagopian Show” airs Nationwide via The BizTalk Radio Network. She resides in Chester County with her family. You can find her online at http://www.BrilliantFrugalLiving.com

A Fabulously Frugal Cinco De Mayo! Wednesday, Jul 2 2014 

Hey everybody – Thank heavens we’re coming up on May! I couldn’t care less how hormonal Mother Nature has been these last few months, once we’re past April 30th, she has no choice but to usher in some serious, sustainable Springtime weather. Now you know that I’m not much for hallmark-ish holidays, but at this point, I’m ready to leap onto any and all holidays that get people into a warmer weather state of mind. Cinco de Mayo to the rescue! This fabulously festive holiday has been the theme for many magnificent shindigs, and why not? The fun, the food, the colors, the music – we deserve it all! Read on for spicy, frugal tips that will have a great party ready to roar, without biting your wallet in two.

First things first – The Food! I’ve been to several Cinco de Mayo parties, and the proof of a great get-together is always in the food. This is no place for a deli tray, people! Get creative and spicy Mexican-style with a make-it-yourself taco bar. The crowds universally adore them, they’re delish, and when done right, they’re easy and inexpensive to make. Start with some spicy ground beef, add some shredded chicken, put out lots of salsa, tortilla shells and shredded cheese, add a couple of taco sauces, guacamole, some sour cream, and you’re set. Classic side dishes are beans and rice, chips and be sure to get a colorful fruit salad in there too. Friends are going to want to bring something, so put them each onto a spicy dish or dessert of their choosing – later on you can do a casual contest to determine who brought the most authentic Mexican dish!

The Dishes and Décor – Super simple. One trip to your local dollar store will have this locked up. Even with my deep, intensive knowledge of dollar store inventory, I couldn’t help but be amazed at the quality and selection of this year’s perfect Cinco de Mayo dishes, decorations, even margarita glasses! Go with bold colors and fun designs – there’s no such thing as “over the top” color schemes when it comes to Cinco de Mayo decorating!

The Invitations – keep it ultra simple and just go online. Evite.com is one of my favorite sites, but there are dozens out there! With the click of a button, you can send out dozens of colorful, eye catching invites, and when your friends and family respond with the click of a mouse, you’ll have everyone’s RSVP automatically inserted into your calendar, as well as any notes on what they’re going to bring! Saves time, postage, and serious hassle. You have to love modern technology, especially when it helps to pull off a great party.

The Music – As if I even need to say it, magnificent Mexican music is key to a fabulous fiesta. Tell your friend with the seemingly surgically-attached iPod that he is now in charge of music! When the party date arrives, plug that iPod into your speakers, et voila! You’ve got hours of perfect Mexican music at the touch of a button.

Here’s to ushering in a beautifully warm month of May – Bon Appetit and Party On!

Kristen Hagopian is a Syndicated Radio Talk Show Host & Columnist, Motivational Speaker & Author of Brilliant Frugal Living. She co-hosts the Morning Show on West Chester’s WCHE 1520, and “The Kristen Hagopian Show” airs Nationwide via Business Talk Radio Network. She resides in Chester County with her family. You can find her online at http://www.BrilliantFrugalLiving.com

Three Easy Steps to a Fabulously Frugal Easter! Friday, Apr 11 2014 

Hey everybody – we made it! Winter is officially in the rear view mirror, and we’re about to hit one of my favorite official Springtime holidays – EASTER! In my opinion, we have earned the right to maximize this wonderful day, complete with fabulous warmer weather, pastel-themed holiday clothes and an Easter table surrounded by our favorite people and surrounded with our favorite foods. My mission for this week’s Column is to blitz the notion that a fabulous Easter has to cost big money – nothing could be farther from the truth! I’m hearing from people spending $120 on a child’s dress because it was “on sale” – are you nuts? Don’t make me throw an Easter egg at you! Rather, read on for a wonderful one-two-three punch that will create a beautiful Easter for a fraction of what you might have paid last year.

First things first – the Food! The time has flown since January, and if you’re like me, you’re about halfway towards your summertime dieting goals. Keep up the great work! That being said, I officially give you permission to relax the usual dieting rules at Easter dinner (kind of like I did a month or so ago when Valentine’s Day candy went on sale for 90% off). When it comes to your Easter feast, the best bet to keep your sanity and wallet intact is to delegate with pure abandon. Everyone coming to your home is going to want to be helpful, so let their Easter contributions to straight to the dining room table! Let family and friends bring side dishes, desserts, wine, even the flowers! Before you know it, the only thing you’re responsible for is the main dish ham or turkey, et voila! Your Easter table is set, and you didn’t have to spend your Easter stressing over an oven and four stove burners simultaneously.

The Easter Baskets – My kids love a good Easter candy hunt around the house. I have to admit it, I still love it too. If there’s one thing that I’ve learned over the years, it’s that I have a tendency to purchase way too much candy. Shocking, I know. Do yourselves a favor and bring one of last year’s Easter baskets with you to the Dollar Store when you buy your candy. You’d be surprised just how little you need to fill the baskets and make a fabulous candy hunt. Add a good size chocolate bunny, and you’re in great shape.

The Clothes – There are precious few occasions in the year when I can justify buying a new outfit for a holiday. Easter is one of those occasions. My beautiful kids are growing like weeds, and I love marking that fact with brand new outfits for Easter. Hit your local thrift stores and consignment stores where you’ll find beautiful new clothing (worn once counts as “new” in my book!) for easily 90% off department store prices. Fabulous side benefit – those same thrift stores are often a glorious gold mine of one of my Easter fashion favorites – Easter hats. The bigger, the better and all at fantastic prices. Ladies, I kid you not, try wearing a hat to Easter Mass just once – you’ll never go bareheaded again.

Above all else, remember the reason for the Season – have a wonderful time with family and friends, and don’t forget to send me family pics of the whole crew in their fabulously frugal Easter glory – extra credit for hats! Happy Easter, everybody!
Kristen Hagopian is a Syndicated Radio Talk Show Host & Columnist, Motivational Speaker & Author of Brilliant Frugal Living. She co-hosts the Morning Show on West Chester’s WCHE 1520, and “The Kristen Hagopian Show” airs Nationwide via Business Talk Radio Network. She resides in Chester County with her family. You can find her online at http://www.BrilliantFrugalLiving.com

Save Huge Money with a Tiny Garden! Friday, Apr 11 2014 

Gang, I give up. When I turned in this week’s Column in to the Editor a few days ago, it was nearly 60 degrees. By the time you’re reading it today, the temperature is going to dip into the 20’s with a good chance of (I can barely say it) SNOW. Welcome to Springtime in Siberia – minus the vodka. This is nuts. However, I remain ever hopeful (bordering on delusional) that one day soon, we can look out the window and actually see a few consistent days that look like Springtime. With that in mind, let’s turn our thoughts to a fabulously frugal, easy, Spring-themed project that not only welcomes warmer weather, but can save you hundreds by the end of the year – a Garden!
For those of you who have never given thought to creating a small home garden, hear me out. I’m about to give you three excellent reasons to give one a try.
Reason #1: Food prices are rising substantially this year. According to the USDA Consumer Price Index, food prices could increase as much as 3.5% this year, as wages remain stubbornly stagnant. Don’t forget the drought in California, coupled with ridiculously cold weather in other parts of the United States. What does this mean for you? A substantial uptick in food prices, this as we’re trying to pay off our heating bills from this past winter. The good news is that you can take a huge bite out of your food costs with even a 10-foot square garden! I’ve spoken to people who simply enjoy potted plants on their patio (tomatoes, carrots, herbs, etc.) and still cut their food costs substantially.
Reason #2: The most expensive items on supermarket shelves are often the easiest to grow. In our house, we love our salads, fruits and herbs. Have you seen the price of a head of iceberg lettuce lately? Don’t even get me started on the price of strawberries! And the price of those small packets of herbs you see in your Supermarket’s produce aisle? Where were they grown? The moon? Plant a few simple rows of your favorites this Spring, and enjoy all of the benefits of fresh produce, for a fraction of the cost of retail.
Reason #3: The immense personal satisfaction of having your own garden. There’s nothing like putting a fresh salad, or a bowl of delicious, organic, homegrown strawberries, raspberries and blueberries on the table and knowing it cost pennies (compared to the $10 you’d pay in the supermarket for organic produce), and knowing you can do it all over again tomorrow with a stroll through your own garden. If you have young kids at home, let them help as much as possible, and rejoice in the fact that you’re teaching them a healthy hobby that can save them hundreds – if not thousands – over their lifetime as well.
Side note: With the economy still doing its “one step forward, two steps back” cha-cha, our local food banks are very much in need. When you plant your rows of favorites this year, give some thought to planting a row of hardy cucumbers, carrots, onions or other easy items, and donate them as they grow. You’ll be doing your local community a world of good, for pennies.
Happy Gardening, everybody!

A Fabulously O’Frugal St. Patrick’s Day! Friday, Apr 11 2014 

Okay, I don’t mean to make a lot of what is essentially a “Hallmark” holiday, but I have to be honest – with this ridiculous winter wrapping up (It IS wrapping up, right?…. please?), it’s time for a great excuse for some fabulous Springtime celebrating. St. Patrick’s Day to the rescue! Whether you’re full-blooded Irish-American, or you’re like me and can’t claim a drop in your family tree, read on for fun St. Patty’s Day ideas that will help usher in the warmer weather without frying your wallet.

(1) The Food! – On St. Patrick’s Day, keep it simple and delish with fabulous Irish favorites like Ham and Cabbage, Sausage and Potatoes, etc. Easy to cook, fun to eat, and remember – carbs don’t count on St. Patrick’s Day! I had some great crock-pot ideas sent in from readers (thanks, gang!), and for more super-simple recipes that your family will love, try hitting the “Taste of Home” or “Food Network” websites for fun lunch, dinner & party ideas. For dessert, let the kids decorate a fabulous green themed cake (sprinkles, anyone?) and if you head out for some St. Patrick’s Day fun, and find yourself driving by an extremely popular fast-food chain that features a little (inexpensive) treat called a “Shamrock Shake”, indulge with no guilt. St. Patrick’s Day just comes once a year!

(2) The home décor! – Keep it simple with a trip to your local Dollar Store. I swear, the local stores have taken St. Patty’s day Décor to a whole new level. Highly impressive, and very reasonably priced. Take even moderate care of it, and it’ll store beautifully for next year as well! Side note – if your kids are feeling creative but your schedule is too strapped to get out of the house, dig out the remaining green, white & yellow construction paper from the Christmas holidays and create loop chains to hang around the house. It’s easy, the kids love doing it, and trust me – they look hysterical draped over ever, single, conceivable nook and cranny of your house.

(3) The Crafts! – One word for you crafty types out there. Pinterest. Good Lord – Martha Stewart with a cappuccino I.V. drip running thru her veins couldn’t compete with all of the crafty ideas that Pinterest has to offer. If you’ve never looked before at that website, I urge you to give it a review. Squelch the urge to feel completely overwhelmed, and instead rejoice in all of the fabulous craft ideas that will fit your brilliantly creative kids skill levels perfectly.

Happy St. Patrick’s Day, everybody – Frugal On!

Get Rid of Fallen Branches – FRUGALLY! Friday, Apr 11 2014 

Hey guys! Again, you’ll never guess where I got the idea for this week’s Column. Good Lord. If your yard is anything like mine, you’ve got huge fallen branches and limbs everywhere. If Mother Nature took out some serious wrath on your yard as well, read on for easy, inexpensive ways (gleaned from readers’ fabulous emails and texts) to rid your yard of the wooden carnage.

One of the most popular responses from readers – rent or borrow a chipper! Around here, rental rates range anywhere from $50-$80 for a few hours, and it’s a fabulous way to transform ugly fallen branches into decorative mulch for your house, or fantastic nutritious mulch for your garden. If you borrow the chipper from a neighbor or friend, make sure you compensate with some mulch they can use in their garden, as well as some fabulous baked goods and/or the beverage of their choice. If you’ve got more mulch than you can possibly use, put out the word to neighbors on social media. One West Chester resident tells me he got rid of a six-foot pile of mulch in one day by mentioning it on his Facebook page!

If you’ve got big piles of branches downed in your yard, and the branches are decently thick (perhaps an inch thick or more), think about listing them on Freecycle or Craigslist. We’ve got a lot of people around here who heat their homes with wood, and giving away your branches for free kindling and firewood is an great solution for everybody involved. If you don’t have the machinery or strength to cut the wood into stackable piles for pickup, make sure that’s clearly stated in your ad. Even if there’s work involved, chances are excellent that the prospect of free wood will still have people responding.

Another great option sent in by readers is to donate the wood to local charities. If you’re interested, start by contacting your local Church or charity and spread the word that you have wood available for free. You get rid of ugly branches in your yard, the tree goes to good use and a needy household gets some extra warmth. Talk about a win-win!

Without a doubt, the most popular method for getting rid of wood in your yard cheaply and quickly – cut it, stack it and put it in your front yard in neat-ish piles with a big sign saying “FREE”. According to readers, cars driving by your property will notice it, and put out the word. Without fail, readers report that even the biggest piles are often gone within 48 hours.

Above all else, pat yourself on the back for surviving another nasty mood swing from Mother Nature. Here’s to a fabulous Springtime!

Kristen Hagopian is a Syndicated Radio Talk Show Host & Columnist, Consumer Reporter, Motivational Speaker & Author of “Brilliant Frugal Living”. The Kristen Hagopian Show airs Nationwide via Business Talk Radio Network Wednesday nights. She resides in Chester County with her husband and two children. You can find her online at http://www.BrilliantFrugalLiving.com

A Fabulous Valentine’s Day on a Frugal Budget! Thursday, Feb 13 2014 

I have to be honest, between the snow, school closings and power outages, not to mention being the last house in my neighborhood to put away the Christmas decorations, this year’s Valentine’s Day snuck up on me. How is it February already? If you’re like me, stuck in the solid grip of a “Will this winter ever end?!” mindset, Valentine’s Day — when embraced with the proper frugal thinking — can be a holiday godsend that gives us a temporary break against Mother Nature’s wrath. I heard that the average consumer could spend close to $150 on Valentine’s Day this year! Unless a solid chunk of that is on a good pre-owned snowblower, I urge V-day spenders to read on for a trifecta of Valentine’s Day happiness that doesn’t demolish your debit card.

(1) The flowers – You all know me to be a solid, upstanding, card-carrying Frugalista, not easily sucked in by overpriced gifts with a fleeting shelf life. That being said, I’m a huge fan of roses on Valentine’s Day. It’s embedded deep within my DNA, and it shall not be silenced. The trick here is to get them at a fraction of retail, and I know just the places. Hit your local Produce Junction, where a dozen long-stem beauties can cost less than $20, or hit your local warehouse stores where gorgeous flowers await you at very reasonable rates. Side note: If you think the odds of your significant other bringing you roses are about as likely as you being abducted by an alien life force, take the bull by the horns and buy yourself a beautiful bunch!

(2) The jewelry – I have as much need for glamorous jewelry as I do for the long-stem roses. However, see my earlier notes about the chick DNA. Add to that my lifelong adoration of old movies, and you can see where my addiction to vintage jewelry comes from. Guys, take it from me, when the ladies open up a box with a beautiful piece of bling inside, they’ll see jewelry, but you’ll see the solid gold “get out of trouble free” card that could come in handy as the year progresses. Again, the trick is knowing where to find it. Answer: hit your local consignment stores & thrift stores, where jewelry case upon jewelry case awaits you, filled with vintage bling that will make her heart sing, right along with your wallet.

(3) The chocolate – Valentine’s Day with no chocolate makes about as much sense to me as Thanksgiving without a turkey. I mean, really, what’s the point? You could try making your own – I’ve heard from people who do just that, and they earn a huge A+ for effort in my book. However, if your schedule is as pinched as your budget, opt for easier homemade chocolate goodies – chocolate cupcakes get rave reviews, and they’re super simple to create. Remember, chocolate calories don’t count on Feb. 14!

Happy Valentine’s Day, everybody!

Kristen Hagopian is a syndicated radio talk show host and columnist, consumer reporter, motivational speaker and author of “Brilliant Frugal Living.” The Kristen Hagopian Show airs on Philadelphia’s WWDB-AM TALK 860, and nationwide via Business Talk Radio Network. She resides in Chester County with her husband and two children. You can find her online at http://www.BrilliantFrugalLiving.com

Stay fabulously, frugally warm! Thursday, Feb 13 2014 

Hey gang – looks like January is determined to remind us time and again that we’re in deep winter mode. I’m not trying to whine here (much), but where are the freakishly warm January days that we’ve had in years past? Is having just one January day at 80 degrees too much to ask? Where’s all this global warming I keep hearing about? And my biggest gripe: what’s with the little negative signs next to the temp when we’re talking about wind chills? Who ordered that?

Okay, whining is done. For now. Instead, read on for some fabulously effective frugal strategies to keep your winter heating bill low and your bank account (and body temperature) high – trust me, springtime is right around the corner!

• Time for serious body armor: Some of you know that I grew up in Wisconsin, right off the (windy, freezing cold) Great Lakes. Anyone who grew up in Green Bay knows you’re issued your first pair of long underwear about the time you speak your first words (usually a Lombardi quote). By contrast, I was out shopping recently with a friend of mine (born and raised in Philly), who literally didn’t know what long underwear was. Gang, try them. You’ll not only fall madly in love with the toasty warmth of them, you’ll love the money you save setting the house thermostat just those few degrees warmer.

• Rock those space heaters: Before we had kids, my husband and I wouldn’t hesitate to fire up the kerosene heaters during the coldest days of winter. Now that we’ve got young kids in the house, kerosene heaters (combined with my deeply overprotective parental nature) get me nervous. Edenpure heaters to the rescue! I love these things. Safe, effective, they blast hot air into the room at no risk to kids or pets, and – when purchased on Craigslist – they’re incredibly economical. For extra points, shut the doors in the room as well (or just put easy spring-rod curtains up in doorways) and you’ll find the rooms heat up beautifully.

• Electric blankets and flannel sheets: I am a huge fan of flannel sheets. If you’ve never tried them, I highly recommend it – they hold body heat beautifully and make for a marvelously toasty night’s sleep, even on the coldest winter nights. When it comes to electric blankets, I have to admit I’ve never really gotten into them. However, people who read this column and listen to my show have emailed me more than once to rave about them, so they definitely warrant an honorable mention. At about $25 each, they cost around $1/night to run. Turn down the heat at night and you’ll still have noticeable savings on your heating bill at the end of the month.

• Clean your air vents: We’ve had an entire autumn and winter with the heat running pretty much nonstop. It’s a perfect way to clog up your air vents. If you haven’t cleaned your vents or switched out your air filters in the last few months, be sure to do it soon. Clogged air vents can put a huge (read: expensive) extra burden on your heating system.

Gang, above all else, remember that springtime is just a few months away – until then, hang in there and layer up (with something preferably flannel). You can make it – Frugal On!

Kristen Hagopian is a syndicated radio talk show host and columnist, consumer reporter, motivational speaker and author of “Brilliant Frugal Living.” The Kristen Hagopian Show airs on Philadelphia’s WWDB-AM TALK 860, and nationwide via Business Talk Radio Network. She resides in Chester County with her husband and two children. You can find her online at http://www.BrilliantFrugalLiving.com

Brilliant Frugal Investments for 2014! Thursday, Feb 13 2014 

Hey gang – ready for spring yet? Me too. Until then, let’s focus on some great January investments that will reap big returns on your hard earned money over the course of 2014. Many think investing requires large amounts of money – not true! Read on for three inexpensive investments that can save you hundreds or more by year’s end.

(1) Warehouse club cards – We’ve got three clubs in this area: Sam’s Club, BJ’s & Costco. Here at the Hagopian house, we’re proud to carry cards for all three! They offer tremendous discounts on items compared to retail, and each have membership fees that run about $50/year. If used correctly, they’ll easily pay for themselves in a month. Extra credit to Sam’s Club for their tremendous prices on top notch tires and amazing meats, not to mention a free cookie for the kids and cream and half & half at about 50 percent off retail. Given my undeniable caffeine addiction, you can understand why I’m at Sam’s on a weekly basis.

Check out your local warehouse clubs to see which one best fits your needs (Management should be happy to let you look around before you commit to a membership). Important Note: resist the urge to impulse buy. Many times I’ve heard the tale of those who ran into a warehouse club to buy bread, and emerged dazed and confused an hour later with the bread, 10 bestsellers and a leather sofa. Buddy up with a trusted friend for those first trips if necessary.

(2) Continuing education – We’re lucky around here in that there are schools near everyone to take classes in just about any subject matter you wish. Head online to see what your local schools and colleges have to offer and learn something new this year – it’s empowering. Whether you’re interested in learning Spanish (looks great on a resume), yoga (great for the looming 2014 swimsuit season) or perhaps you’d like to take a class on how to change the oil in your car or how to do your own haircolor (personally, I save about $150/month on that skill alone).

Think outside the box and learn something new – the benefits could extend well beyond your wallet.

(3) A library card – For every 100 people reading this, 95 don’t own a library card. It’s time to unleash your inner book-geek. Library cards are not only free, but can save you hundreds in one year’s time alone. Magazines, cookbooks, instructional videos, workout DVDs, they have it all.

Remember the dozen or so movie DVDs you bought at full price last year (for $15 each), only to watch them once and never touch them again? You just spent $180 on dustcatchers. Or perhaps you went that one step further into debt and saw those movies last year at (gulp, shudder) full movie theatre price. A family of four hitting the movie theatre once a month, sharing one tub of popcorn and two large sodas will shell out $720/year (don’t hate me, I just work here, hate my calculator instead!). Instead, try renting those fabulous flicks at the library for $3 and enjoy with as many friends as you wish, not to mention large amounts of homemade popcorn.

Gang, you get the point – you work hard for your money, don’t let it go to waste in 2014! Keep an iron grip on it, let it grow like bunnies in your bank account. Final thought: Don’t forget to find all of those movie-themed toys at Goodwill for about 95 percent off retail in a few months or so.

Here’s to a fabulously frugal 2014!

Kristen Hagopian is a syndicated radio talk show host and columnist, consumer reporter, motivational speaker and author of “Brilliant Frugal Living.” The Kristen Hagopian Show airs on Philadelphia’s WWDB-AM TALK 860, and nationwide via Business Talk Radio Network. She resides in Chester County with her husband and two children. You can find her online at http://www.BrilliantFrugalLiving.com

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