Five Frugal Ways to Celebrate St. Patrick’s Day

Saint Patrick began life sometime late in the 4th century in Britain as Maewyn Succat. Young Maewyn was kidnapped, taken to Ireland, and forced to herd sheep there. He turned to his faith for comfort, and eventually escaped. After he became a priest in France, he returned to the country he had known as a slave, and converted many of its inhabitants to Christianity. His name changed to “St. Patrick” only after he was ordained as a bishop.

There are many tales about this gentle saint, including chasing all the snakes out (oops – Ireland didn’t have many to begin with!) and having his staff burst into flower. They may have been miraculous, but two letters he wrote still exist, as well as many accounts of his work. After his death, his Irish converts set aside March 17 (most probably his death date, not his birth day) to celebrate his life…and the arrival of Christianity to their shores. Eventually the holiday became one of feasting and drinking, which it remains today.

The Irish immigrated to America in droves in the 1840s, after Ireland’s great famine, or “An drochshaol,” bad times. (They endured a similar famine in the 1740s which destroyed their potato crop. More in a bit.)  There’s a reason why so many railroaders and Western settlers were Irish — they weren’t always welcome elsewhere in the country. Immigrants were stuffed into slums and forced to work in sweatshops back East. More than one source attributes the popularity of St. Patrick’s Day parades in America beginning as protest marches against poor working and living conditions!

Today’s St. Patrick’s Day celebrations may include a visit to a parade — especially in Downpatrick, Ireland, where Patrick is thought to be buried. (Think about that name.) Or celebrate the good saint’s holy day in other ways:

*Wear green. But remember — St. Patrick’s Day is technically a Catholic holiday. If you’re Protestant by inclination, feel free to add some orange, or wear it instead. (Just plan on being pinched…another interesting side effect of the holiday.)

*Pin on a shamrock. Patrick used the three leaves of this greenery to illustrate the Trinity. (Four leaves, of course, are good luck — when you can find them.)

*Have a drink. Skip the green beer and go straight for Guinness stout, a ‘hoppy’ thick dark brew that’s a snack, as much as alcohol. Or sip an Irish whiskey, said to be the oldest in the world — Bushmills, Tullamore Dew or Jameson are a few possibles. A pot of dark Irish Breakfast tea may console the teetotaler. (Milk, please.)

*Enjoy a meal. Corned beef and cabbage, the traditional U.S. response, are really more American than not, though the Irish do enjoy a beef boiled dinner.

You might consider colcannon (potatoes and cabbage) or boxtie (boxty – potato pancakes) on your dinner table. They’re a strong tie to the vegetable that fed a nation until its blight – and the resulting Great Famine.

Or try a Dublin coddle, a mixed dish of ham, sausage, potatoes and onion. It’s easy, filling, and costs little to make.  “Coddling,” by the way, refers to keeping the dish at a gentle simmer. Use a crockpot instead, if you’re headed to the pub for the afternoon.

Read more

Online Income Report – February 2012

Here is a breakdown of my online income for February 2012.

Google Adsense – $311.71

Affiliate Income – $3.75

Brokered Ads – $65.25

Direct Ads-$1773.67

Total – $2154.38

My online income went down quite a bit in February.  Private advertising income was down the most.  I’ve been thinking this would eventually subside and it has finally happened.  I am ahead of last month’s pace so far this month though so I’m hoping it will rebound a bit.  After having a great month of affiliate income in January my income went all the way down to $3.75 in February.  I actually made a couple hundred dollars in affiliate income in February but I haven’t received any of it yet and I don’t count it until I receive it.  This causes my affiliate income to seem more inconsistent than it really is.  I still need to work on increasing my affiliate income and other sources of online income in order to become less reliant on private advertising.  I can’t complain about this amount of income but it is unfortunate that my online income declined right when I was starting to outsource some of my online work.  Since I’m hiking the last two weeks of this month I won’t be doing much to try to increase my online income this month but I do have some ideas for when I return.

 

Previews, Coffee & Other Gratis Pleasures

A cup of coffee, poured from the pot at the back table in the fabric shop. (Well, perhaps a cookie, too. Or three.) Internet surfing, served up cost-free at the local Starbuck’s. (The really frugal customers just order hot water…or bring their own drinks.) A weekend of cable, sampled during one of the previews – and you have no plans to subscribe.

Is it right to take advantage of these freebies?

Some say no. This isn’t a frugal thing — it’s swiping something you have no right to. Reading a book, lounging comfortably on a bookstore couch, with no intention of buying it, has the same grabby feel. (Even worse, copying recipes and such out before you return it to the shelf.)

Others argue that these free-and-easy pleasures are nothing more than making the most of opportunities. “Taking a business up on an offer they made freely is not stealing,” one comments.

The struggle is more, I think, in your attitude. It’s not the item, so much as the extent. If your neighbor offers an apple from their tree, do you sneak back late at night and strip their orchard, on the grounds they meant for you to take everything?

Going online for an hour at your local McDonald’s is one thing. (A large drink will only set you back a buck — a small courtesy.) Hanging out all day, especially if you purchase nothing, is another. Watching the preview weekend is fine — getting your neighbor to jack the cable box, so you continue to get it free, isn’t.

It’s hard to know sometimes when to stop, especially when your frugal urges kick in. One uncle, otherwise a kind and thoughtful man, can’t resist clearing off all the sugar and creamer packets on the table at the restaurant — on the grounds that they’re included in the meal. (I’ve wondered if he ever tried to stuff the ketchup bottle down his pants, for the same reason.) He would think nothing of grabbing all the courtesy mints in the bowl, as well, if he could get away with it.

But the sauce packets tucked in the Taco Bell takeout bag? Throwing them away doesn’t prove anything, except a willingness to waste. (Besides, they come in handy when bringing your lunch to work.)

One of the local hardware stores, bless ’em, has a popcorn cart out back, with bags to help yourself. That fresh, warm popcorn can hit the spot between errands. And a bag’s small. Maybe I should take several…wait a minute.

Are you taking more than one, when it’s clear that one is offered? It’s easy to do. Even worse, do you take a quick look around before you do it, just to make sure no one’s looking? Better stop — and check your attitude.

This post is by staff writer Cindy Brick. Cindy is a quilting expert with several published books on the subject and has also had many published articles on a variety of subjects. You can visit her business website at CindyBrick.com or visit her personal blog.

5 Money-Saving Tax Tips

Warren Buffet once said, “It is the government’s job to get as deep as it can into my pockets. It’s my job to keep them out!”

Buffet, of course, was referring to paying taxes, and it is true. It is your duty as a wise money manager to take every step you can within legal boundaries to minimize your taxable income, and thereby minimize the amount of money you pay to Uncle Sam each year.

Education Credits and Deductions

University is expensive. The average college education, including food and room & board, typically runs over $60,000 for a 4 year degree. Fortunately, current IRS tax code makes it possible to deduct a portion of these expenses each year. Whether you are paying for a child’s education, or paying off college loans, one of these credits may apply:

  • American Opportunity Tax Credit
  • Lifetime Learning Tax Credit
  • Tuition and Fees Deduction

Child Care Credit

The majority of American families pay for some form of child care throughout the year, and it is not cheap. Even cheap daycare rates can costs parents thousands of dollars per year. Under the Child Care Tax Credit, parents are eligible to deduct 20 to 35 percent of qualifying expenses up to $3,000 for one qualifying child, and up to $6,000 for two or more qualifying children.

Gift Money

The government actually taxes you when you give money to friends and family on any amount over $10,000, but that minimum has now been raised to $13,000. This means you can offload some of your assets to children, parents, etc. at a rate of $13k per person, without paying any gift tax at all. This can increase your tax debt relief.

IRA Contribution
One tax shelter is an IRA. When you contribute to an IRA account, that money is subtracted from your taxable income, which results in lower tax payments to the government. Many people do not know, however, that one may actually contribute up to $5,000, depending on your modified gross income, before April 15, 2012, and the contribution will count for tax year 2011. This is a great way to save money last minute.

Mortgage Bill
Here is a little known trick. If you pay your January mortgage before December 31st of the current year each year, you may be able to deduct the interest for your January payment on your 2011 return. Now may be a little too late to do that this year, but keep it in mind for next year.

Green Expenses
If you make improvements to your home, which are environmentally friendly, you may qualify for a tax credit of up to 30 percent of what you paid. Furthermore, it is not only home improvements that may earn you a tax credit. Electric automobiles and some hybrids also qualify for tax credits.
File on Time
This may sound like common sense, but scores of people miss the April 15th tax deadline each year, and this costs money, increasing the financial burden on tax payers. The first step to saving money on your taxes is to make sure you pay on time and in full so that you do not get hit with late penalties and interest.

Consult a Professional
Knowing exactly all the deductions you may qualify for is nearly impossible. Therefore, it may be worth it to hire a CPA, or use a high quality tax software program, such as Turbo Tax, which can provide a number of additional possible tax breaks based on your personal information and financial situation.

February Income – $1831.07

Here is a breakdown of my income for  February.

Online Income

$1756.71

Interest

$3.17

Stock Dividends

$26.35

Cash Back

$43.29

Sell Stuff

$1.55

Total

$1831.07

February income was down substantially even considering there were two less days.  I knew the string of great months would end eventually.  I still made almost $2000 in online income so it was a soft landing.  This time last year I would have considered this amount of income a great month.  I think my online income should rebound slightly this month.  I’ll be hiking the last two weeks of the month though which could reduce my ability to make money.  Once I get back from hiking I will work more on increasing my passive income and alternative income.  And I’ll also work on diversifying my sources of online income so that private advertising doesn’t make up such a large chunk of my income.