Pinching Vacation Pennies

Part VII of the Vacation Savings Series. This is the end, but this is the beginning. Today is the last day of the poll to your left. Stand up and be counted!

Down to the Last Dime

Throughout this series, we have stressed the correlation between planning and saving money. Let’s recap and add a few final tips.

Plan early.

Take advantage of early bird discounts. The rates are best at least six weeks in advance. Take advantage of off-season destinations and off-peak travel days to save even more.

Know where you are going.

From searching the Internet to find a destination to knowing where the nearest camp site is, location is key to saving money on airfare or gasoline. Getting lost is expensive!

Amenities are expensive.

Do without concierge and room service. Do you really need a room with an iron, hair dryer and mini-bar?  (Need?) Rough it in the wilderness. Pitch a tent. You do not need to pull in a television in the woods.

All-Inclusive vs. Build-Your-Own-Vacation-Package

Do your homework. Research, compare rates, ask about specials and discounts. Remember to add the cost of entertainment and food to the basic travel package for an idea how much it will really cost.

Stay closer to home.

Save on travel time and airfare by choosing a destination within driving range of your home.

Typical brands of Potato Chips at a superstore.

Image via Wikipedia

You are not starving.

Food is a big expense when you are away from home. Plan excursions, tours and activities between meals to cut down on snacking. Snacks and bottled water are your wallet’s enemy.

Drive smarter.

Even in the rental car, save gasoline. Before you bring it back you will have to put gas in it.

Bring your camera.

Souvenirs are cheap things which your recipient will likely hide (read donate to charity) after you have seen it two or three times. Give pictures of you enjoying your vacation.

Protect your investment.

Some of the best savings is ensuring you are not out of your entire purchase price if you must change your plans. Travel insurance is an investment.

Cruises and airfare are expensive. If something happens and you miss your departure, travel insurance will refund some of the cost of both airfare and travel packages.

Terms and conditions vary by policy, so read carefully and choose the plan which best fits your needs and budget.

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This was the last segment of the Vacation Savings Series. Take a moment to vote in the poll.

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(c) Ann Marie Dwyer 2011
Reblogging of this or any other post on Momma’s Money Matters is expressly forbidden.
Copyright and Privacy Policy available in The Office. 


Athlete’s Scalp

Bald head

Image via Wikipedia

So, what do you do when the slacker, gossip or incompetent in your office is the boss? Go over his head. Giving him athlete’s scalp may mean, in the end, you will have a new job, but that is not necessarily a bad thing.

One: Go to the boss first.

This may seem counter-intuitive, but it is the only career-salvaging part of going over his head. His supervisor’s first question will always be:

Did you discuss this with Mr. Jones?”

An affirmative answer to this question is the only way to be heard successfully. Part of reason she asks is the genuine desire to avoid inter-office conflict. The other part is knowing the company policy.

Who's the Boss?

Image via Wikipedia

Two: Know the chain of command.

Mr. Jones’ boss may not be the one who will ultimately rectify your issue. Possibly quality control, loss prevention or human resources will fix the issue. Upper management often defers to these three departments when faced with an inter-office problem. Find out who your problem solver really is. Follow the chain directly to that person.

Three: Document.

Keep a legibly written record of all offending actions, all your actions and the responses of others to all actions.

  • Keep a detailed account of all workplace and out-of-office situations directly affecting your issue.
  • Keep a copy of all correspondence regarding the matter.
  • Document all telephone conversations with the following:
  1. Date
  2. Time
  3. Telephone number
  4. Name of caller/recipient of call
  5. Job title
  6. Synopsis of conversation

Keep your record with you. This will prevent it from falling into the wrong hands and allow you access to it when you need to add items.

Four: Know the corporate policy.

In cases of integrity, the policy should be very straightforward. Cases of discrimination are not as clear cut. Be sure your issue does not fall into a corporate loophole.

meditateFive: Stay calm.

You will be passed along the chain of command and detoured to many fruitless places. The hope is your irritation at the issue will pale in comparison to your frustration at the bureaucracy. If you speak in tones of anger or frustration, your complaint will be taken as sour grapes no matter its veracity.

Six: Stay neutral.

If your boss is an absolute imbecile, portraying him in a less than favorable light ultimately hurts your claim of his incompetence. State events as they happened as an unbiased reporter, not as a victim. Emotion never plays in your favor.

When possible, write your complaints rather than speak on the telephone. Eventually, you will need to speak with someone. Do it calmly.

Seven: Be consistent.

Upper management will discuss your issue. Each participant in the conversation should be talking about the same issue. If you told one story to one manager and a totally unrelated incident to another, in conference, both managers will conclude you are not competent to make the complaint.

Eight: Have witnesses who will corroborate your issue.

This may not be easy. Most people fear retribution when they point out fallacies, incompetence and indiscretions of superiors. Still others will commiserate with you, but not tell a manager the same view. If you are not positive your witness will be truthful outside of your presence, do not include them.

Nine: Be appreciative.

Everyone who hears you out, regardless of the ability or inclination to assist you, must be thanked for taking time from appointed tasks. Include Mr. Jones.

wheel

Image by Leo Reynolds via Flickr

Ten: Be persistent.

The squeaky wheel gets the grease.”

Just because one manager tells you there is nothing she can do does not mean one, who both can and will, does not exist. Repeat these steps until you meet just that person.

Bottom Line

The solution to your problem may not come in the package you expected. At the end, Mr. Jones may still be your boss. If you have been honest and neutral throughout the process, the end result is change. Sometimes the change is a corporate one, other times it is a career move.

Personal Note

I used these guidelines to become the manager of quality control and to enforce company policy when others brought complaints to me.

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When or why did you go over the boss’ head?

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(c) Ann Marie Dwyer 2011
Reblogging of this or any other post on Momma’s Money Matters is expressly forbidden.
Copyright and Privacy Policy available in The Office. 

Post A Day 2011

Attention Bloggers:

Blogging Readiness

Image by cambodia4kidsorg via Flickr

If you have not already, take a cruise over to the Daily Post and find out about the Post-A-Day and Post-A-Week challenges. I have taken up the challenge to post at least once a day for the rest of 2011. Chances are pretty good I will still be posting in 2012, but stranger things can and have happened.

Are you up for the challenge? You can get daily and weekly writer’s-block-busting tips for subjects from the Daily Post and The Mindslam.

Still want a different set of ideas? Stop by the Green Room and grab an idea from one of the great bloggers there. Have you left a link to your blog yet?

Happy Blogging!

Red.

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(c) Ann Marie Dwyer 2011
Reblogging of this or any other post on Momma’s Money Matters is expressly forbidden.
Copyright and Privacy Policy available in The Office. 

It Stinks, But I Eat It Anyway.

Blue Stilton PDO Cheese, one quarter of a half...

Image via Wikipedia

Part III of the Good Food Series. The beginning is here, if you missed a segment.

Why does cheese smell so bad?

The ingredients which both make it taste so good and smell so bad create cheese’s distinctive aroma. Looking at the ingredients, and the process, the smell will come into focus.

The How To

Cheese is made by curdling milk, draining away the watery whey, adding bacteria and aging. Different cheeses have different bacteria creating a distinctive taste.

Ammonia is a natural byproduct of the break down of the milk’s amino acids by the bacteria. The ammonia changes the odor from the sweet smell of the cream to the unmistakable smell of the cheese.

Dead or Alive

Softer cheeses sour more quickly, while hard, aged, sharp cheeses will last much longer. Softer cheeses have more moisture. This moisture allows the bacteria to grow inside the cheese, even after its work is finished. In harder cheeses, the bacteria finish their work and die without the moisture.

Not My Kinda Bug

The moisture which fosters the beneficial bacteria also attract some not-so-savory bacteria, mold and fungi. When cheeses grow a fine layer of mold on the outside, the bell tolls the end of the cheese’s life cycle.

Unpasteurized cheese can become not only smelly but deadly cheese. The harmful bacteria get in the cheese anywhere between the cow and the ripening vats. Every once in a while, methods of injecting in the correct bacteria are infected with the wrong bacteria.

Mold I Can Live With

Brie de Meaux

Image via Wikipedia

Brie and other soft cheeses have an outer coating of wax and bacteria. This tasty coating is not harmful and makes a sharp punctuation to very sweet cheeses.

Parmesan and other hard cheeses have a layer of mold on the outside which helps protect the cheese during aging. Generally, this layer is discarded before the cheese is processed, packaged and eaten.

The Scent of a Cheese

Learn the smell your fresh cheese versus the smell your expired cheese. It is crucial to knowing whether you really want to eat it. When in doubt, pitch it.

Love for Bugs

Were it not for the little micro-organisms which transform plain milk into the smelly cheeses we know and love, they would have no other smell than sour milk!

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NEXT: Stir fry over deep fried

What is your favorite cheese?

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(c) Ann Marie Dwyer 2011
Reblogging of this or any other post on Momma’s Money Matters is expressly forbidden.
Copyright and Privacy Policy available in The Office.

Roughing it on the Cheap

Part VI of the Vacation Savings Series. If you missed a segment, begin here.

Now, beyond the obvious of no hotel bills, you can save a boatload of money camping, if you are willing to rough it, plan and stick to it.

Location, Location, Location

A simple tented shelter.

Roughing It Image via Wikipedia

There are still plenty of places to camp which are free or cheap ($5 per night-usually environment impact fee). Rough it by camping in a wildlife area. If you absolutely must have amenities, keep it to a minimum, or you will be racking up the bonus points at $40+ per night.

Save at the Pump

Yesterday, we talked about how to save money on gasoline on a road trip. Apply all of those and add these:

no location

Image via Wikipedia

  • Know where you are going. Getting lost is expensive.
  • Camp close to home.
  • Try the tent, not the trailer.
  • Carpool
  • RVs are gas hogs. Drive the smallest car.

Stay within 50 miles (one hour) of home. Explore your own backyard. (Talk about cheap-literally no driving.)

The Ice Chest

Before you run to the grocery with your list, open the cabinets. If you buy a ton of chips and junk food you are wrecking your waistline and your budget.

Bring the fresh fruits (which are cheap in season) and meats you already bought. Food grilled on the camp fire tastes better than barbecue, but why splurge on steak when burgers and dogs are less expensive? Are you going somewhere the fish are free?

Did you know you can make your own ice? The recipe is really simple (email if you do not have it). Start making extra ice a week ahead, and you can forego the expensive bags of water.

Canteens hold more water than bottles and have handles or belt loops. Carry one and skip the expensive, plastic camp site waste.

Bring spices from home in baggies rather than buying small packages specifically for the camp out. Small Packages = Tiny Value

You are not going to be gone forever. Bring enough for meals and skip the million snacks. Less Food = Less Money = Less Waste

A one person pop-up tent.

Image via Wikipedia

Gear

Camping equipment is a $730 billion industry. (Shudder at those prices!) Unless you are planning to live in the woods until you find Big Foot, save your money. Buy from garage and yard sales. Pick up freebies on Craig’s List and FreeCycle.com. Borrow (totally free).

Before you toss the tent, patch the hole, replace the pole or redneck the torn window screen with duct tape. Maintenance pays off. Store your equipment well to enjoy it on another camping trip.

Split the Difference

Make your camping trip a social gathering. Go with friends and reap the group discount from the campsite. Split the costs of food, and eat together. It is cheaper to make one meal larger than to make two separate meals. One day, you cook; Next day, they cook. Remember the carpool idea?

Bottom Line

Camping is one of the cheapest vacations you can take. A family of four can camp for a weekend for under $100. Plan and squeeze every nickel out of your trip.

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NEXT: Final Vacation Savings Tips

The poll ends with the next post. Have you taken it? Look on the left.

What is your best camping adventure (or disaster) story?

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(c) Ann Marie Dwyer 2012
Reblogging of this or any other post on Momma’s Money Matters is expressly forbidden.
Copyright and Privacy Policy available in The Office.