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

The Fabulously “Frugal” Days of Christmas! Thursday, Dec 26 2013 

I’ve loved the non-stop comments from Daily Local News readers regarding their shopping habits this Christmas season (thanks, everybody!). That being said, it was the email from DLN reader and fellow frugalista Marge W., who suggested someone write a “Frugal Days of Christmas” song that really got me thinking. I put out the feelers to get everyone’s input on the best items to focus on, and DLN readers didn’t disappoint – that’s so much for your emails! It was those suggestions – and some serious caffeine – that yielded this festively frugal song, for all of you.

“F” is for the FUDGE – a Christmas staple. Although my Mom still makes the best, Seth M. of Frazer sent me a fantastic recipe that costs just $2 per batch, but makes me look like a million bucks! Perfect for gift giving, hosting guests, and yes, the ideal pick me up for midnight wrapping marathons. Note to self, don’t calculate the carb count. Just don’t go there. Let’s talk carbs in January, shall we?

“R” is for the REINDEER – As in the big, plastic light-up jobs you can put in the yard. The new ones in the stores are a smidge pricey, so I’d suggest you aim for the antique ones on Craigslist that are being practically given away. James R of West Chester apparently has quite a herd of them on his front lawn, much to his kids’ delight, and he paid a fraction of retail for them. James, when that electric bill shows up in January, throw me an email and we’ll figure out how to knock that sucker out.

“U” is for the UGLY SWEATERS that are required by Pennsylvania State Law to be worn, given and received as gifts this holiday season. Extra gift-giving points if the sweaters have obnoxious reindeer horns, hoofs or noses knitted into them. Super bonus points if you find matching mittens. I’m finding that your best bet is to head to your local Goodwill or Thrift Store, although I heard from Annabeth T. in Exton that she found awesome ones for $1 each on Craigslist – you go, girl!

“G” is for the GIFTS – and the more homemade and heartfelt, the better. This Christmas season, I hope you threw out all those outlandish ideas of expensive gifts, and stuck with the presents that were memorable, easy, homemade and inexpensive – see my earlier notes on fudge! See also my notes on how carbs won’t count until January. That’s my story and I’m sticking to it.

“A” is for AMAZON – as in, the website. Home of tons of holiday gifts, priced at a fraction of retail, and many even offered free shipping this Christmas. Kudos to DLN readers who saved yourself the hassle, parking, long lines (and in some cases, tazers) of the local malls and did your shopping right at your computer. When you’re driving around today, have a look at the UPS, Fedex & Postal Service drivers scurrying about. Notice the professional-yet-nearly-panicked looks on their faces? There’s a reason for that – all of the online shoppers kept them in business big time, and those delivery drivers don’t disappoint!

“L” is for the LIGHTS — This was the overwhelming “L” response from DLN listeners – thank you all! You’re all so right, after the craziest days, there’s nothing like driving about and seeing the light displays on homes everywhere – to those who outdid yourselves yet again this year, you rock! Put them all together, you’ve got a fabulously frugal holiday that focuses on all the right things. God Bless you and your families this Christmas, and frugal on, everybody!

Delicious Christmas Gifts that Save Money, Time and Stress! Monday, Dec 16 2013 

Hey gang, it’s happening again. People are freaking out over Christmas gift-giving, and they’re getting set to spend way too much again. The crowds are getting ugly, too – when you start hearing news stories in which the words “Shopping Mall” and “Tasers” go together, you know we’re in for a rough one. When it comes to spending, I’m getting emails you wouldn’t believe, from wonderful people who normally think quite frugally, yet are still convinced that a magnificent holiday is tied to the money spent. So not true! Don’t believe me? Then just gently put the credit card down for a moment and try this little experiment on for size. Think back to your wonderful childhood Christmas memories. Chances are you spent a good 20 years under your parents’ roof. We all have fantastic holiday recollections, but can you name three things you received as gifts as a kid? Many of my readers can recall a cherished bike (myself included, it was a pink Schwinn with red and white tassles, and it was dynamite). Beyond that however, gift memories become extremely hazy; rather, it’s the vivid memories of childhood fun, food, laughter with relatives who came from miles around to celebrate the holiday, and of course, the treasured two weeks off from school that truly stick in my mind. Trust me, your kids and family feel the same way. With that in mind, read on for fantastic, frugal gift ideas guaranteed to be a cherished hit for family and friends, not to mention clients and co-workers!

One of the best gifts of all – fabulous food! Back in Victorian times, the average family spent 25% of their income on food, an incredible number. To add insult to injury, the food of the era often wasn’t even that good, bland due to lack of spices, not to mention created in unsafe conditions a good deal of the time. With that in mind, it’s no surprise that delicious homemade food gifts were a huge hit at the holidays, created with loving care from cherished family recipes, and often sent in tins that were used again and again for years to come. Now that is a memorable gift. For those of you on a tight budget this holiday season (and who isn’t?), it’s time to harness your inner Victorian and put your favorite recipes to work for you. Cookies, candies, brownies, pastries, cakes – whatever your passion, have fun with it, and put the kids to work “helping” (another fun childhood memory of mine). Hit your local dollar store for tins and trays to present them on, et voila! The end result will be wonderful, memorable gifts that will be truly appreciated by the recipients, created for a fraction of the price of forgettable store-bought trinkets. Fabulously frugal side note – these types of gifts ship beautifully as well.

So let’s review – When it comes to frugal gift-giving this Christmas, there are many reasons to indulge your inner Julia Child. First, you’re succeeding in every gift-giver’s goal: You’re sending gifts that will be loved, appreciated, and remembered. Second, when you open your credit card bill in January, you’ll be one of the few that draws a huge sigh of relief at the low number due. Third, you’ll be steering clear of the high-voltage, taser-toting rabid shoppers that are apparently out in full force! Let’s keep the high-holiday wattage to the outdoor Christmas lights, shall we? Merry Christmas everybody, and Frugal On!

8 Best Buys for Fall! Thursday, Aug 29 2013 

As the kids get back to school, it’s time to ramp up for another beautiful Autumn.  The cooler weather, the gorgeous foliage, you have to admit, Mother Nature really outdoes herself around here in the Fall.  With that in mind, read on for phenomenal deals your local stores have to offer as we say goodbye to another Summer.

Air Conditioners – I don’t know about you, but after this year’s blistering summer heat, I’m ready to give my air conditioner the appliance equivalent of the Medal of Honor.  If your air conditioner is ready for a replacement, September is the perfect month to shop for it.  Home Improvement Centers nationwide use September as the month to rid themselves of their summertime stock, and they will slash their prices big time to get it out the door. 

Charcoal Grills and Lawn Mowers – Every store that sold charcoal grills and lawn mowers this summer now has the challenge of getting rid of some very bulky excess inventory.  Keep your eyes open for some super sales that can slash prices by as much as 40% in some stores. 

Swimwear – I know I’m dating myself here, but when did swimsuits start costing $200 or more?  Call me crazy, but I really hate spending that much money on an item of clothing that weighs 2 ounces.   Keep an eye out in the next few weeks for mega sales on swimwear that can reduce prices by 50% or more.

Travel and Airfare – Whether you’re considering a cruise, train trip, flights to exotic locales, you name it – travel agencies consider September the top month for discounts on travel.  If you’re in the market for a fabulous trip at fantastic prices, get to your local travel agency and see what they have to offer – you’ll often find prices are reduced by 25% or less!   On a related note:  If you’re planning on traveling for Thanksgiving, Christmas, Hanukkah and New Year’s, the best time to book and buy your tickets is 6-8 weeks prior, aka now.   If getting over the river and thru the woods to grandmother’s house involves a jumbo jet, get those tickets soon to ensure your biggest discounts.

Shrubs and trees – your local garden nursery was probably doing a booming business during the summer, but still has lots of bushes and shrubbery to get rid of before the weather gets colder.  Scan the circulars and snag some serious deals, often for 50% off.

Cars – At car dealerships across the country, next year’s inventory typically arrives in September.  What does that mean to you?  Sales on this year’s models, that’s what!  Dealerships are ready, willing and eager to get rid of the glut of this year’s models still on their showroom floors.  Get in there, show no fear and snap up a deal!

Cookware – if you’re in the market for some new cookware, Autumn is the month to snag it.  Department stores are clearing their current inventory to make way for some new holiday offerings, and that means that they need to offer some fabulous sales to make some space.  Time for you to channel your inner Julia Child and get yourself some new pots and pans!  Bon Appetit! 

Got Caulk? Winterize your Home! Tuesday, Oct 16 2012 

The month of October is the perfect time to winterize your home – the weather isn’t too hot, isn’t too cold, and there’s still lots of daylight. It’s a great opportunity to move around your home on a beautiful weekend afternoon to plug up energy leaks before they cost you big time in upcoming months. Read on for five easy tips that will save you hundreds of dollars this upcoming winter.

(1) For Drafts around Doors & Windows: these pesky drafts are everywhere, and are often responsible for upwards of 20% of your energy bill! Forget the home shows that would suggest getting rid of drafts requires a contractor or pricey new technical gizmos. Instead, hit your local hardware store for a few tubes of caulk and some easy-to-use weatherstripping! With a few dollars worth of materials, you can save hundreds on energy bills with just a few hours of work.

(2) Exterior Vents: wherever you have a vent leading out of the house (dryers, telephone, electrical, cable, gas, water lines), you have huge potential for energy-draining gaps and leaks. Behold, an easy to use caulk gun! It’s a top notch asset in any frugal household, and – let’s face it – the kids think you look totally cool when you pull one of these out and put it to work. “Look! Mom’s fixing that hole in the house with a big tube of toothpaste!” If it saves big energy costs and entertains the kids, that’s a win-win in my book.

(3) Clean out your air/furnace filters – the windows are about to stay shut for months, and the furnace is about to go into overdrive. Keep your air quality high (and the workload on your furnace as low as possible) by keeping the filters changed on a regular basis.

(4) Wrap your pipes! It sounds like a boring chore (and let’s face it, it is). Trust me on this tho, experience has shown me time and again that it pays off huge as soon as we have our first deep freeze. Where the neighbors will have frozen pipes (or even worse, burst frozen pipes), you’ll have running water and far fewer mornings with a hair dryer trained on a ceiling pipe in the basement.

(5) Buy a sweater! Looking for a frugal investment that costs $5 and can save you up to $500 (or more!) in the three months of winter? Behold, a fabulous, thick, gorgeous designer sweater, purchased for 95% off at your local consignment or thrift store. Even in the coldest winter days to come, wearing a heavy sweater keeps your body comfortably warm even if you turn the heat down by as much as 5 degrees. That kind of lower house/office temperature translates into huge savings when the winter energy bills roll in.

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

Today on The Brilliant Frugal Living Show: Five outstanding strategies to earn more income from home! Tuesday, Jul 17 2012 

Then, Isagenix millionaire Jimmy Smith joins me on the air to discuss his story – a butcher for 40 years who retired due to injury, he turned to a Network Marketing career, and has earned thirty million dollars in the last 10 years. Sound interesting? It’s all today on Philadelphia’s News/Talk 1180 – tune in at 11A (Eastern) or livestream us at the link! http://www.BrilliantFrugalLiving.com

Today on The Brilliant Frugal Living Show – how to easily save thousands of dollars on your favorite summertime activities! Tuesday, Jul 10 2012 

Vacations, Sporting Events, Summer Blockbusters, have all the same fun without spending a ton! Then, Bill O’Brien, Director of Development for BLOCS, discusses how businesses large & small can easily redirect thousands of dollars of their state taxes to local schools instead.  Sound interesting? It’s all today on The Brilliant Frugal Living Show – tune in at 11A (Eastern) or livestream us at the link!  www.BrilliantFrugalLiving.com 

« Previous Page