Even though I was very glad to have renter’s insurance in my case, when a moving truck rolled over and destroyed everything I owned, I don’t think you necessarily need it in your situation. If you have savings (or family) that will enable you to place your necessities if you lost everything, and losing everything would not be a catastrophic financial setback, then skip it. I see insurance as being important for things you won’t otherwise be able to replace.
My programmable thermostat was $25 in 2003... they don't have to be internet-enabled to be helpful! And my gym is within walking distance and $10/ month. Yay for upstate New York!
Maybe I'm a terrible person, but I'm not all that worried about people who currently have the time and cash to spend $140+ per month on yoga having to pay slightly more. It's a luxury item.
The downside is that play-based programs are more developmentally appropriate, and most preK programs are too academically focused due to pressure from state agencies and parents, at least here in NY.
@Erica But again, travel agencies still do exist if you prioritize service over savings, as do local banks. Complaining about lack of service when you at intentionally choosing a low-service option for cost reasons confuses me.
I don’t think check depositing is a great example of businesses providing less customer service… there are lots of banks that will still allow you to go stand in line to deposit their checks, just like my parents did every single week they got a paycheck; depositing by phone is a convenience you can choose whether or not to utilize. As is self-checkout at the grocery store. Do you have any better examples?
I'm so cheap I virtually never buy anything that has a deposit (except milk from the local dairy, and I do return those bottles; they're $2!!) So there's another option. :)
My apocalypse preparation has included a pressure canner (shared with friends; my share was $60); a sun oven (around $250); a Berkey water filter ($250-ish again), a woodstove (about $2500); and lots of candles.
"The odd man out in my own family, with a different name." Wait... why would you be the odd one out, instead of your husband? If you have kids, shouldn't they get their mother's last name?
I used cloth (way back in 2000!) in part because it was cheaper. PUL velcro diaper covers were around $7 apiece and I needed 6 or so in each size. When I lived in Seattle I used a diaper service; when I moved somewhere with my own washer I bought my own prefolds (around $24/ dozen) and washed them myself. I sometimes got fancier polar fleece covers as gifts, which was cool. I think it got a lot more complicated as it got more popular; everyone felt they needed the fanciest stuff, they used pocket diapers that were fussy about washing techniques and needed to be washed after every use, etc. Cheap diaper cover example:http://www.amazon.com/Prorap-Classic-Diaper-Covers-White/dp/B0026JQJLM/ref=pd_sim_ba_3?ie=UTF8&refRID=10RXYGARNNKHXY0FHDXM