Enemy of Debt http://www.enemyofdebt.com Motivational Money Management Fri, 02 Dec 2016 14:25:56 +0000 en-US hourly 1 Fist Pump Friday: I Love You Like A Blogger Roundup – 12/2 http://www.enemyofdebt.com/fist-pump-friday-i-love-you-like-a-blogger-roundup-122-2/ http://www.enemyofdebt.com/fist-pump-friday-i-love-you-like-a-blogger-roundup-122-2/#comments Fri, 02 Dec 2016 14:25:56 +0000 http://www.enemyofdebt.com/?p=18174 Enemy of Debt - Fist Pump Friday: I Love You Like A Blogger Roundup – 12/2

Happening this weekend is the annual Pizel family Christmas season kick-off.  We’ll put up the tree, as well as decorations around the home, and then watch National Lampoon’s Christmas Vacation.  After these activities are complete, it is officially the Christmas season.  The entire family enjoys it, it’s time we spend together bonding and making memories, and it doesn’t cost us a cent! Get your fists up for fun, inexpensive family time AND my favorite posts of the week! Posts That Make Me Fist Pump Seven Reasons Being Frugal is Awesome from Club Thrifty 13 Costco Money Saving Hacks That Save […]

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Enemy of Debt - Fist Pump Friday: I Love You Like A Blogger Roundup – 12/2

fistpumpHappening this weekend is the annual Pizel family Christmas season kick-off.  We’ll put up the tree, as well as decorations around the home, and then watch National Lampoon’s Christmas Vacation.  After these activities are complete, it is officially the Christmas season.  The entire family enjoys it, it’s time we spend together bonding and making memories, and it doesn’t cost us a cent!

Get your fists up for fun, inexpensive family time AND my favorite posts of the week!

Posts That Make Me Fist Pump

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How Costco Can Save You Money On Gasoline Even If You’re Not A Member http://www.enemyofdebt.com/how-costco-can-save-you-money-on-gasoline-even-if-youre-not-a-member/ http://www.enemyofdebt.com/how-costco-can-save-you-money-on-gasoline-even-if-youre-not-a-member/#respond Mon, 28 Nov 2016 16:24:53 +0000 http://www.enemyofdebt.com/?p=18169 Enemy of Debt - How Costco Can Save You Money On Gasoline Even If You’re Not A Member

One of the selling points of a Costco membership is that members can fill up their tanks for less at Costco. People shell out their $55 membership fee believing they’ll make up the fee simply by buying gas at Costco. The good news for people not interested in a Costco membership is they can take advantage of Costco gasoline prices without even being a member. Over the weekend I discovered something I’ve coined, “The Costco Effect.” My gas gauge was hovering just above ‘E,’ and I was looking to fill up. I checked prices on my way to the gym […]

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Enemy of Debt - How Costco Can Save You Money On Gasoline Even If You’re Not A Member

gas-station-727162_1280One of the selling points of a Costco membership is that members can fill up their tanks for less at Costco. People shell out their $55 membership fee believing they’ll make up the fee simply by buying gas at Costco. The good news for people not interested in a Costco membership is they can take advantage of Costco gasoline prices without even being a member. Over the weekend I discovered something I’ve coined, “The Costco Effect.”

My gas gauge was hovering just above ‘E,’ and I was looking to fill up. I checked prices on my way to the gym and noticed that the closer I got to the gym, the lower the advertised gas prices. I developed a theory as I passed the Costco a few blocks from my gym. The theory was this: Gas stations nearby a Costco will have lower gas prices in an attempt to compete with them.

Over the next week, I started watching gas prices at gas stations around my local area, including those around the Costco. As we’re all used to, gas prices went up and down in unison (or at least within a few hours). But I also noticed that the prices at the gas stations within a few blocks of the Costco remained consistent with their difference between Costco and other stations as well.

Here’s an example of data I took during one day:

  • Station near my home: $1.99 per gallon
  • Station within blocks of Costco: $1.89 per gallon, later raising to $1.94 per gallon
  • Station about ½ mile from Costco: $1.94 per gallon
  • Costco: $1.89 per Gallon

The Costco Effect, or in other words the phenomenon that gas stations nearby a Costco will have lower gas prices even compared to stations of the same type that are further away, appears to be real.

Gas stations near Costco were 5 to 10 cents cheaper per gallon than stations further away.

This seemed like a great money saving technique for people that don’t have a Costco membership. But let’s not stop there. Most major gas retailers have some form of rewards program, or offer coupons. For example, I signed up for money saving text messages from the brand of gas station located ½ mile from Costco and get text messages almost weekly for 7 cents off per gallon of gas. Combining that with the price advertised due to The Costco Effect ($1.94 per gallon), I filled up at a price of $1.87 per gallon. That’s 2 cents cheaper than Costco, and 12 cents cheaper per gallon than filling up at the station near my home.

So how much does this combining of discounts save me?

I have a van with a 20 gallon tank, and a car with a 14 gallon tank. I fill them each once per week, for a total of 34 gallons of gas x 12 cents per gallon for a total savings of $4.08.

The amount of money saved is admittedly not earth shattering but it’s so easy to take advantage of, as it takes almost zero effort assuming the consumer drives right by the gas station anyway. Getting the most out of your hard earned cash is a lifestyle. It’s not about just saving $4 a week on gasoline. It’s about saving $4 a week on gasoline, a few bucks on groceries, a few more on not eating out, some more on insurance, etc, etc. When you add it all up we start talking about real money that can be put towards some other meaningful use.

Have you ever noticed The Costco Effect? Do you take advantage of it?

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Fist Pump Friday: I Love You Like A Blogger Roundup – 11/25 http://www.enemyofdebt.com/fist-pump-friday-i-love-you-like-a-blogger-roundup-1125/ http://www.enemyofdebt.com/fist-pump-friday-i-love-you-like-a-blogger-roundup-1125/#comments Fri, 25 Nov 2016 14:29:13 +0000 http://www.enemyofdebt.com/?p=18165 Enemy of Debt - Fist Pump Friday: I Love You Like A Blogger Roundup – 11/25

Happy Black Friday, EOD Nation! Once again I saved hundreds of dollars with my Black Friday shopping.  I saved hundreds because I didn’t go.  I slept in, and both my mind and my wallet are well rested.  I did pick up a paper, and will look through them this morning and if there’s anything of interest as part of an all day or weekend sale.   Did you go Black Friday shopping? Fist pump for a great night sleep, and for my favorite posts of the week! Posts That Make Me Fist Pump 5 Reasons I’m Skipping Black Friday This Year […]

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Enemy of Debt - Fist Pump Friday: I Love You Like A Blogger Roundup – 11/25

fistpumpHappy Black Friday, EOD Nation! Once again I saved hundreds of dollars with my Black Friday shopping.  I saved hundreds because I didn’t go.  I slept in, and both my mind and my wallet are well rested.  I did pick up a paper, and will look through them this morning and if there’s anything of interest as part of an all day or weekend sale.   Did you go Black Friday shopping?

Fist pump for a great night sleep, and for my favorite posts of the week!

Posts That Make Me Fist Pump

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I’m Not Spending a Penny On My Wife For Christmas, and She’s Going To Love It http://www.enemyofdebt.com/im-not-spending-a-penny-on-my-wife-for-christmas-and-shes-going-to-love-it/ http://www.enemyofdebt.com/im-not-spending-a-penny-on-my-wife-for-christmas-and-shes-going-to-love-it/#comments Mon, 21 Nov 2016 18:46:09 +0000 http://www.enemyofdebt.com/?p=18159 Enemy of Debt - I’m Not Spending a Penny On My Wife For Christmas, and She’s Going To Love It

I’m not spending a penny on my wife for Christmas this year, and she’s going to absolutely be thrilled about it. With the holidays approaching, conversations of gift ideas are being had between spouses, family members and friends. My wife and I were having a discussion about tasks that needed to be done yet to prepare for hosting Thanksgiving at our home. She got a little off topic, listing other less Thanksgiving critical tasks she wanted to have done. Sensing I was about to go into my usual speech about prioritization and doing only the things absolutely needing completion by […]

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Enemy of Debt - I’m Not Spending a Penny On My Wife For Christmas, and She’s Going To Love It

christmas-1510388_1280I’m not spending a penny on my wife for Christmas this year, and she’s going to absolutely be thrilled about it. With the holidays approaching, conversations of gift ideas are being had between spouses, family members and friends.

My wife and I were having a discussion about tasks that needed to be done yet to prepare for hosting Thanksgiving at our home. She got a little off topic, listing other less Thanksgiving critical tasks she wanted to have done. Sensing I was about to go into my usual speech about prioritization and doing only the things absolutely needing completion by Thanksgiving, she paused and blurted out what she wanted from me for Christmas.

“Can I have a Honey-Do list for Christmas?”

She started listing things she wanted done around our home. I tried my best to look only half interested as my brain popped into overtime trying to remember everything she was saying, while at the same time recalling other small tasks she had listed in recent weeks and months. I didn’t want her to know I was paying close attention. I wanted this to be one of those presents that when given, she would be surprised that I had paid attention and followed through with it. This idea was gold, I just had to work out some of the details.

Here are some of the things my wife suggested for her Christmas present list:

  • Paint master bathroom
  • Clean out and organize laundry room
  • Clean out and organize downstairs closet
  • Call insurance company and have nick in van windshield fixed

Things she has also mentioned in the last few months I would add to the list:

  • Fix small hole in bedroom wall and paint
  • Install organizers for master bedroom closet
  • Get tires rotated on van
  • paint basement

Making a list, printing it on fancy paper of some sort, and giving it to my wife for Christmas is the easy part. There are two slight caveats in my plan to give my wife this list of tasks she wants completed:

Not Free

While the list itself has no cost associated with it, some of the items on the list will require the purchase of supplies to complete. We’ll have to work together to prioritize and budget for the items needed for some of the tasks.

Time

The biggest obstacle to completing many of these tasks is time. With kids, jobs, and other life commitments, time to do extra cleaning, organizing and painting is hard to come by. The good news here is that I have a secret weapon: I have a lot of vacation that I need to take by the end of the year. I plan to take the last two weeks of the year off, and dive into this Honey-Do list.

I might have to give her this present early so she knows what I’m doing, OR I might just keep quiet and give her the list with some of the items already checked off.

In either case, it’s a present my wife will certainly appreciate, and we will both reap the benefits from.

Have you ever given a Honey-Do list as a gift? What would be on the list if you did?

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Fist Pump Friday: I Love You Like A Blogger Roundup – 11/18 http://www.enemyofdebt.com/fist-pump-friday-i-love-you-like-a-blogger-roundup-1118/ http://www.enemyofdebt.com/fist-pump-friday-i-love-you-like-a-blogger-roundup-1118/#comments Fri, 18 Nov 2016 15:07:12 +0000 http://www.enemyofdebt.com/?p=18150 Enemy of Debt - Fist Pump Friday: I Love You Like A Blogger Roundup – 11/18

My wife and I are hosting Thanksgiving at our home next week, so this weekend is all about prep work. A local grocery store is having it’s traditional “buy a ham get a free turkey” sale.  I’m all about taking advantage of that deal.  Additionally, I’m firing up my smoker and making a brisket.  Are you making a Thanksgiving meal this year?  How do you keep the cost down?   Posts That Make Me Fist Pump How To Talk To Your Spouse About Money from MoneyNing Are You Wasting Time To Save Money? from Boomer And Echo How Budgeting Changes […]

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Enemy of Debt - Fist Pump Friday: I Love You Like A Blogger Roundup – 11/18

fistpumpMy wife and I are hosting Thanksgiving at our home next week, so this weekend is all about prep work. A local grocery store is having it’s traditional “buy a ham get a free turkey” sale.  I’m all about taking advantage of that deal.  Additionally, I’m firing up my smoker and making a brisket.  Are you making a Thanksgiving meal this year?  How do you keep the cost down?

 

Posts That Make Me Fist Pump

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5 Ways To Appreciate Your Special Someone For Under $10 http://www.enemyofdebt.com/5-ways-to-appreciate-your-special-someone-for-under-10/ http://www.enemyofdebt.com/5-ways-to-appreciate-your-special-someone-for-under-10/#comments Mon, 14 Nov 2016 19:57:29 +0000 http://www.enemyofdebt.com/?p=18141 Enemy of Debt - 5 Ways To Appreciate Your Special Someone For Under $10

Relationships are hard work. When a person is in a committed relationship it’s easy to take it for granted, and stop doing those little things to impress and show appreciation towards your significant other that you did when the relationship was fresh and new. Jobs, kids, what to make for dinner and a thousand other tasks of day to day life dig a rut that’s easy to get stuck in. When as a part of that relationship you combine finances and target every dollar towards something, it’s also difficult to break off some funds to go that extra step for […]

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Enemy of Debt - 5 Ways To Appreciate Your Special Someone For Under $10

digital-art-398342_1280Relationships are hard work. When a person is in a committed relationship it’s easy to take it for granted, and stop doing those little things to impress and show appreciation towards your significant other that you did when the relationship was fresh and new. Jobs, kids, what to make for dinner and a thousand other tasks of day to day life dig a rut that’s easy to get stuck in. When as a part of that relationship you combine finances and target every dollar towards something, it’s also difficult to break off some funds to go that extra step for your partner without influencing some other part of the budget. Today’s post is about pulling yourself out of that rut and making your partner’s eye’s shimmer again without taking a bite out of your available funds.

Here are 5 ideas to inject a little variety and spark into your relationship, all costing less than $10.

Massage

Pick up a bottle of lotion or even massage oil. Yes, you might even have to go into THAT aisle. It’ll be worth it, I promise. Darken a room, light some candles and give your partner a massage. You don’t have to be a licensed masseuse for a massage to feel good.

Passing Notes

Remember in grade school when you’d pass notes in class? Recreate that fun as an adult by leaving a little note for your special someone. Whether it’s in their lunch container, on the bathroom mirror, or in their pants pocket before they get dressed for the day. Just a little something letting them know you’re thinking of them.

Flowers

We all know how much flowers can cost, especially on Valentine’s Day. But you can walk into Walmart, Sam’s Club, Costco, or any number of super stores on any day of the week and get a nice bouquet of flowers very inexpensively. You can even pick out a card from the value section (99 cents!) and write your own personal note.

Warm Blanket

During the winter months when my daughter was younger, I would occasionally throw a blanket in the dryer before I woke her up for school. When she got up and laid on the couch to watch TV and wake up, I’d grab the warm blanket and wrap her up in it. She loved it. Turns out my wife does too. On a cold winter day surprise your significant other with a warm blanket from the dryer to make them feel all warm and cozy.

Dessert

My wife and I both enjoy the sweet bubbly taste of a Moscato dessert wine. One bottle of that, plus two wine glasses and a package of fresh strawberries and you’ve got yourself a dessert date. Pro Tip: Put a strawberry on the lip of each wine glass. It will add to the aroma of the wine and greatly enhance the experience!

Making your significant other feel special and appreciated doesn’t have to always be an over the top, expensive production. Sometimes it’s a small gift, gesture, or action that lets them know you’ll go that extra mile just for them.

Have you tried any of these? Do you have any inexpensive ideas to add to the list?

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Fist Pump Friday: I Love You Like A Blogger Roundup – 11/11 http://www.enemyofdebt.com/fist-pump-friday-i-love-you-like-a-blogger-roundup-1110/ http://www.enemyofdebt.com/fist-pump-friday-i-love-you-like-a-blogger-roundup-1110/#comments Fri, 11 Nov 2016 13:59:09 +0000 http://www.enemyofdebt.com/?p=18133 Enemy of Debt - Fist Pump Friday: I Love You Like A Blogger Roundup – 11/11

I’m really looking forward to this weekend, as I get to go to a rock concert with my son and his friends.  Well, to put it more accurately, I’m driving my son and his friends to the concert at which time they’ll work their way up to the front of the crowd while I find a comfortable spot to watch the concert where I ‘m not being crushed.  But we’ll be seeing some of my favorite bands, and it will be a cool memory that we can share together! Fists in the air for heavy metal concerts, AND my favorite […]

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Enemy of Debt - Fist Pump Friday: I Love You Like A Blogger Roundup – 11/11

fistpumpI’m really looking forward to this weekend, as I get to go to a rock concert with my son and his friends.  Well, to put it more accurately, I’m driving my son and his friends to the concert at which time they’ll work their way up to the front of the crowd while I find a comfortable spot to watch the concert where I ‘m not being crushed.  But we’ll be seeing some of my favorite bands, and it will be a cool memory that we can share together!

Fists in the air for heavy metal concerts, AND my favorite posts of the week!

Posts That Make Me Fist Pump

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13 Essential Things You Must Do When You Lose Your Job http://www.enemyofdebt.com/13-essential-things-you-must-do-when-you-lose-your-job/ http://www.enemyofdebt.com/13-essential-things-you-must-do-when-you-lose-your-job/#comments Fri, 11 Nov 2016 04:25:07 +0000 http://www.enemyofdebt.com/?p=18130 Enemy of Debt - 13 Essential Things You Must Do When You Lose Your Job

It stinks to lose your job!  Losing your job is one of those things that can completely upend your life, causing tremendous stress and a loss of confidence if you let it. Conversely, sudden unemployment can also be an opportunity for a new direction or a whole new career.  Either way, you have to take control over your situation if you want to move forward successfully. In this post I’ll show you 13 essential things you must do when you lose your job.  You’ll also discover some awesome resources that’ll help you find your next job or transition into a […]

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Enemy of Debt - 13 Essential Things You Must Do When You Lose Your Job

It stinks to lose your job!  Losing your job is one of those things that can completely upend your life, causing tremendous stress and a loss of confidence if you let it.

Conversely, sudden unemployment can also be an opportunity for a new direction or a whole new career.  Either way, you have to take control over your situation if you want to move forward successfully.

In this post I’ll show you 13 essential things you must do when you lose your job.  You’ll also discover some awesome resources that’ll help you find your next job or transition into a new career entirely!

I also have several great resources available below. They’ll help you find your next job or discover if a new career direction is in the cards for you.

So let’s get started…

When You Lose Your Job, Take a Deep Breath

The first thing you should do when you first get laid off is to take a deep breath and realize it’s not the end of the world.  Yeah, it may be stressful to lose your job in the short term, but you’ll recover.

In fact, losing your job may be an opportunity in disguise!

Reflect on Why You Got Fired

Sometimes losing your job has nothing to do with you.  But often it does.  Maybe the company was not doing well and they had to reduce head count just to stay viable.  Or maybe you weren’t living up to your potential…

Whatever the cause, it’s a good idea to ask yourself a few difficult questions to evaluate what you could have done better.  Here are a few questions you should ask yourself:

  • Could I have been a better team player?
  • Did I have the right qualifications for the job?
  • What could I have done better?

Being brutally honest with yourself can go a long way toward not making the same mistakes in your next job.

Rethink Your Career Direction

If you’ve been thinking about a career change, losing your job may be just the trigger you need to make the jump!

This might mean taking on a different position in the same industry, or transitioning to an entirely new industry requiring a different set of skills.  Losing your job might just be what you needed to leave a job that wasn’t a good fit and find something you really love!

Here are a couple of great books that’ll help you get the creative juices flowing:

The Art of Non-Conformity: Set Your Own Rules, Live the Life You Want, and Change the World by Chris Guillebeau

The 4 Hour Work Week- Escape 9-5, Live Anywhere, and Join the New Rich by Tim Ferris

Check Your Finances

Losing your job can put you into a financial tailspin if you’re not prepared.  Do a review of your budget and cut out anything that is not 100% necessary.  You don’t know how long you’ll be out of work, so until then, it’s wise to spend as little as possible.

Did You Get a Severance Package?

If you got a severance package that’s great!  I still think it’s a good idea to cut your expenses down to the basics until you get a new job.  That way, if it takes longer than expected to get a job, you will have that in reserve.

But if you get another job in a short time, you can put your severance package into savings or investments and grow that money for the future!

You May Need to Get a Part Time Job

If you don’t have a severance package or an emergency fund, you may need to get a part time job.  One of the worst things you can do is rely on credit cards and loans to get you through until you find a job (see below).  Don’t end up with financial stress and a pile of debt because you weren’t prepared.

[tweetherder]Losing your job stinks! 13 things you must do to save your finances, find your next job, or pivot to a new career [/tweetherder]

Reach Out to Your Network of Contacts

When you lose your job, start making phone calls and sending emails to your network.  It’s usually easier to find a job through word of mouth than by blindly submitting resume’s.

Even if many of your contacts are not in your industry, they may know someone who is and can pass along your info.  The more people you contact, the better luck you’ll have finding a new job.

Also, reaching out on social media can be especially effective.  Your job search will get more exposure because more than just your immediate network will see your posts.

Here’s a great book that’ll help you find innovative ways to find your next job that actually work!

48 Days to the Work You Love by Dan Miller

Learn a New Skill

If you’ve wanted to learn a new skill or get a new certification, this might be a good time to do it.  Learning new skills might help you find your next job (and a better one at that!).

Read a few books or take some online courses.

Just make sure you don’t put yourself in a financial bind paying for expensive courses or delaying your job search.  Don’t spend a bunch of money you don’t have learning new things!

Get Some Exercise

After you lose your job, it’s easy to feel lost and depressed.  Getting some exercise is a great way to stay active and not sit on the couch feeling sorry for yourself.

Daily exercise releases endorphins that naturally battle depression and help you stay positive.  Heck, you might even lose a little weight!

Don’t Hunker Down

This goes along with exercising.  The worst thing you can do is sit around the house eating chips and feeling sorry for yourself.  That’s a quick road to depression. It kills your motivation to move forward after you lose your job, making it harder to find the next one.

Here are a few things you can do to avoid sitting at home feeling sorry for yourself:

  • Get out and socialize. You don’t have to spend money to enjoy the company of others.
  • Do volunteer work.
  • Take a class.
  • Take a walk in the park.
  • Attend church services.
  • Learn a new skill (see above).
  • Do something nice for somebody else.

Focus outwardly and don’t dwell on your own obstacles.  You’ll be amazed the effect this has on your outlook and attitude.

Don’t Use Debt Unless You Absolutely Have No Choice

If you don’t have a severance package or emergency fund to fall back on, you might be tempted to use debt to get you through when you lose your job.

Try to avoid debt at all costs, especially when you’re unemployed!

Don’t Rely on Credit Cards

Credit cards are so easy to use you can run up a huge pile of debt in a short time.  Be very careful about relying on them to get by during a job loss.  You don’t want to start your next job trying to dig yourself out of a deep hole of credit card debt.

Don’t Dip Into Retirement Accounts

Taking money out of retirement accounts to get by during unemployment is even worse than relying on credit cards!  You’re sacrificing your future to fund a present need.

When you take money from your retirement accounts, you have to pay taxes on that money.  You will also have to pay a 10% penalty on top of that.

Even worse, you miss out on the exponential growth that money would have achieved over many years.  A $5,000-$10,000 withdrawal just to get by eliminates tens or even hundreds of thousands of dollars of future growth for when you’ll need it at retirement!

Check Your Health Insurance When You Lose Your Job

Of course, health insurance is very important.  In most cases you can keep your health insurance through a COBRA plan after you lose your job.  If not, you can buy a cheap individual plan to get by until you get a new job.

Or you could try these health insurance alternatives.

You have no control over what may happen while you’re unemployed.  Therefore health insurance is a must to help keep a financial disaster at bay.

Review Your Social Media Profiles

Now would be a good time to make sure your social media profiles are up to date.

  • LinkedIn- Make sure your employment history is correct and all your skills and certifications are up to date. You may also need to update your profile picture to a more recent/more professional picture.
  • Facebook and Twitter- Check for anything controversial in your feed that a prospective employer may not like. Make sure none of your crazy friends have left any bad comments on your wall or tagged you in any pictures you don’t want an employer to see.

Hit Your Job Search Hard

Be careful about delaying your job search.  It’s easy to lack motivation and direction about searching for a job and suddenly months have gone by without any real progress.

Just posting your resume on Monster.com and waiting for a reply won’t get you anywhere fast.

Make finding your next job a full time job until you get what you’re looking for.

Contact Your Creditors

Anyone you owe money to should be contacted.  Creditors are usually willing to work with you if they know you’ve had a job loss. They will want to help you work out a temporary solution to keep you from falling far behind.

The worst thing you can do is call them once you get so far behind that you can’t pay.  At that point they are much less likely to try to help you with a workable solution.

Count Your Blessings

No matter how devastating losing your job may be, realize there is always something to be thankful for.  A job loss is only temporary.  In fact, you’ll find many people that will tell you losing their job (in hindsight) was the best thing that could have happened to them!

Sometimes losing your job forces you to change some things you’ve been meaning to work on.  Sometimes it causes you to pivot into a new career or even a business of your own.

Either way, this too shall pass.

Eventually the experience will teach you some things about yourself that will make your future that much brighter!

Question: Do you have any suggestions to add to the list? Leave a comment below and tell us your best ones!

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Are You Wasting Money By Changing Your Oil Too Often? http://www.enemyofdebt.com/are-you-wasting-money-by-changing-your-oil-too-often/ http://www.enemyofdebt.com/are-you-wasting-money-by-changing-your-oil-too-often/#comments Mon, 07 Nov 2016 14:35:16 +0000 http://www.enemyofdebt.com/?p=18124 Enemy of Debt - Are You Wasting Money By Changing Your Oil Too Often?

For my entire adult life, I’ve had the oil changed in my vehicles every 3,000 miles (or relatively close to that) just as my father had taught me when I was a teenager. In recent years, I had read articles online that suggested this paradigm was out of date but didn’t think much of it. I assumed since the employees at the oil change service stations kept slapping the sticker on my windshield reminding me to change my oil every 3000 miles, I’d better do it. That all changed when we bought our current mini-van a few years ago, and […]

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Enemy of Debt - Are You Wasting Money By Changing Your Oil Too Often?

car-1562723_1280For my entire adult life, I’ve had the oil changed in my vehicles every 3,000 miles (or relatively close to that) just as my father had taught me when I was a teenager. In recent years, I had read articles online that suggested this paradigm was out of date but didn’t think much of it. I assumed since the employees at the oil change service stations kept slapping the sticker on my windshield reminding me to change my oil every 3000 miles, I’d better do it. That all changed when we bought our current mini-van a few years ago, and I read in the owner’s manual the recommended oil change frequency was every 6,000 to 9,000 miles.

The oil change service I normally use hesitated to tell me exactly how many miles I should go between changes, but said they would write my reminder sticker for whatever I directed them to. Being a little uneasy with tripling the rule I had used all my life, I directed them to make it out for 6,000 miles.

I knew my van came with a fancy electronic system that actually displayed a message when it thought I should get an oil change. Checking the dipstick regularly, I drove the van until the message was displayed which occurred at about 7,500 miles.

A few days later, I took my van into a different oil change service that comes with a free car wash. While sitting in the waiting room, an employee came in holding my dipstick.

“I’ve got a question for you,” the man said. “Do you know what kind of oil you had put into your vehicle at your last oil change?”

“I’m not really sure,” I replied, trying to remember.

“Because here’s the deal, your oil is full, and it’s really clean,” he continued, “We can change it if you’d like, but I really think you could get more miles out of it.”

I just looked at the man surprised.

“If you used high grade synthetic oil, that typically lasts 10,000 miles,” he stated.

That statement rang a bell with me, as I remembered my last oil change cost a little more than usual because I decided to use the best oil offered. I decided to not have my oil changed, and directed the man to give me a new reminder sticker for 2,500 more miles.

After a continued discussion with the man, I forged a new oil changing strategy for my vehicle:

  • Forget the oil change every 3,000 mile rule.
  • Check the vehicle’s owner’s manual for the recommended oil change frequency
  • Adjust the frequency based on use and conditions. Harsher conditions may put you on the low end of the recommended mileage range, whereas normal every day driving conditions will put you towards the higher end of the range.
  • Use good oil, especially if you are going longer between oil changes. Cheap oil costs less, but needs to be changed more often as it may break down quicker.
  • Check your oil often by pulling out your dipstick. If the oil level is low, or looks dirty, take it in for service.

Many people still live and breath by the 3,000 mile rule for oil changes. Unfortunately, at $35-$60 a pop, this may represent a lot of unnecessary money spent. Changing your oil is a necessary service to keep your vehicle running smoothly, but it should be a process that you as the owner is active in determining when your vehicle really needs it, and not just throwing money out the window.

How often do you have your oil changed? Do you still use the 3000 mile rule?

Note:  The technician’s honesty has prompted me to switch to that service as my primary provider for oil changes.

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Fist Pump Friday: I Love You Like A Blogger Roundup – 11/4 http://www.enemyofdebt.com/fist-pump-friday-i-love-you-like-a-blogger-roundup-114/ http://www.enemyofdebt.com/fist-pump-friday-i-love-you-like-a-blogger-roundup-114/#comments Fri, 04 Nov 2016 13:44:31 +0000 http://www.enemyofdebt.com/?p=18120 Enemy of Debt - Fist Pump Friday: I Love You Like A Blogger Roundup – 11/4

I procrastinated until Halloween day to buy the candy we would hand out that night.  While picking up a few bags of treats for the evening, I thought about buying a few extra to have on hand for the family.  Every member of the Pizel family enjoys a small package of gummy worms, or a snack sized Reese’s Peanut Butter Cup from time to time.  I resisted that urge.  I wasn’t  going to pay full price for it. The next morning, on my way to the gym at 4:45am, I stopped at Walmart.  The employees were busy tearing down the […]

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Enemy of Debt - Fist Pump Friday: I Love You Like A Blogger Roundup – 11/4

fistpumpI procrastinated until Halloween day to buy the candy we would hand out that night.  While picking up a few bags of treats for the evening, I thought about buying a few extra to have on hand for the family.  Every member of the Pizel family enjoys a small package of gummy worms, or a snack sized Reese’s Peanut Butter Cup from time to time.  I resisted that urge.  I wasn’t  going to pay full price for it.

The next morning, on my way to the gym at 4:45am, I stopped at Walmart.  The employees were busy tearing down the Halloween seasonal display and had already placed all the remaining candy a shelf by the entrance labeled “Clearance” and “50% off.”

Bingo.

Candy that would have cost me about $15 just a few hours before, rang up at $7.32.

Fist pump for half off candy, and my favorite posts of the week!

Posts That Make Me Fist Pump

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