Money-Saving Alternatives to Starbucks

How to Avoid Starbucks and Save Money Drinking Coffee at Home

Are you addicted to getting coffee at Starbucks?  Do you love the pretzels and cake pops?  You aren't alone.  Here are some helpful ways to avoid spending all your spare cash at America's favorite coffee shop chain.


It started innocently enough. A co-worker wanted to discuss professional issues outside of our cube farm. He suggested Starbucks. I enjoyed a Mocha Frappuccino. Later that week, I decided to take my wife out to Starbucks to do something a little different in the treat department. I had a second mocha and she enjoyed an iced chai tea latte. Soon, our addiction escalated. I went from a tall to a grande to a venti in a short time. She explored cake pops and pretzels. Within weeks we were hooked and had developed a full-blown Starbucks habit. We had long prided ourselves on not paying $5 for a cup of coffee. Now, we were sliding into the faux hipsterism of Starbucks.


It had to stop. Having worked in the financial services industry, I was well aware of the perils of "The Latte Factor." Financial guru David Bach coined the term to describe how Americans fritter away small amounts of money on frivolous things when that wasted money could add up to real wealth over time. Brokers have long advised that clients ditch the expensive coffee servings in favor of savings and investments. We had to think of alternatives to the coffee and tasty treats offered by Starbucks.



Here are some Starbucks alternatives that will help us fight the addiction:

Mocha Frappuccino. Frappuccino is a trademarked brand name that belongs to
Starbucks. Ironically, the only antidote to Mocha Frappuccino from the Starbucks drive through may be bottled Starbucks Mocha Frappuccino drinks from the grocery store. While a four-pack of bottled mocha coffee drinks at the store is pricy at nearly $5, that is only a quarter of the price of four $4.75 venti Mocha Frappuccinos from the Starbucks drive through! Alternatively, adding chocolate syrup and ice cubes to a regular cup of coffee can be a poor man's substitute to Starbucks signature coffee treat.



Chai Tea. It turns out that Starbucks does not have a monopoly on tea. Apparently, tea comes in a box of small bags that are perfectly sized for brewing at home. In fact, we already had a box of Bigelow Spiced Chai Tea. A box of 20 chai tea bags was less than $5. That is quite a savings over the $3.95 price of a venti Iced Chai Tea Latte at Starbucks.



Hot Chocolate. If it's cold and you want something hot, you can't beat Swiss Miss Instant Hot Chocolate. You don't even need mad barrista skills to makes a decent cup. The secret of making good hot chocolate is to use a bag and a half of the instant mix. Then, add your own fluffy marshmellows. It tastes great. If you don't think so, stand outside for twenty minutes without gloves on a cold winter night, then have some more. Our local Publix had a buy one get one special that gave us twenty individual serving envelopes of Swiss Miss for less than $2.50.

 

Pretzel. If you like a snack with your Starbucks beverage, they have some very good pretzels. Their Asiago and Cheddar pretzel is a sophisticated take on the traditional pretzel. However, your grocer probably carries soft pretzels in the frozen foods section. We like SuperPretzel brand. For about $4, you can get a box of six frozen pretzels. All you do is sprinkle a few drops of water on one and then pop it into your microwave oven for 30 seconds. You can optionally add some pretzel salt from the packet provided or just leave it plain. Either way, it makes a tasty alternative to a fancy $2.25 pretzel from Starbucks.



Coffee. We have a Proctor-Silex 12-cup coffee maker. It makes a pretty good cup of coffee even when we use store brand coffee. If we want to be fancy, we can easily add cream, sugar, hot chocolate or Hershey's syrup to the coffee cup. However, the secret to making really good extra special coffee is headgear. Wear a beret or a bandanna and you are half way to becoming a full-fledged barrista.



Free Internet. Many people visit Starbucks to hang out and use the free internet connection. Consequently, we no longer expect our local Starbucks to be filled with the intelligensia discussing philosophy, art, theatre, ballet, and great books. We find that we can access the internet more securely from home without having to ingest a massive dose of caffeine every few hours. However, our local library offers free internet and lots of literature to discuss. Free internet from our local library is much cheaper than buying a $5 coffee every hour at Starbucks.


We still haven't kicked our Starbucks habit entirely. We still love Starbucks. It still beckons us with a 24-hour drive through and incredible convenience. But, we have started a program to keep at least some of our pocket money and make the ubiquitous coffee shop a less frequent treat.

Sources:
Frappuccino.com
Countless Starbucks Receipts
www.finishrich.com - David Bach website.

How to Save Money at Dining Out

In our convenience driven culture, everyone is on the go.  Families don't often have time to prepare home cooked meals and end up dining out.  Unfortunately, dining out costs money.  Restaurant tabs add up.  However, you can save substantial amounts of money at restaurants by following a few simple savings tips. 

You can do things like -

• Drink water instead of tea or soda - Avoid $2 per person!
• Split Dessert - Divide your dessert cost in two!

For more tips, read my article:

How to Save Money at Restaurants

Don't forget to split dessert!

Saving Money on Gas

If you are running low on cash, a tank of gas can really hit your wallet hard.  It can be worth it to change your driving habits to squeeze every last mile out of a thank of gas.  I often coast down hills and even cut the car off sometimes at long lights.  But, there is a group of people called hyper-milers who really take it to the limit and make dramatic improvements in fuel economy.

You can make big improvements even if you drive what could be considered a gas guzzler, consider John Teach's article on maximizing the fuel economy of his Corvette.

Dr. Hyper-Mile Or:  How I Learned to Stop Worrying and Save Fuel

Even if you don't have a Corvette, you can save gas by easing up on the gas, coasting down hills, and taking 55 mile an hour bi-ways instead of 80 mile an hour highways.

Buying a Stereo When You Are Flat Broke

Being broke doesn't have to stop the music.  You can still put together a pretty awesome stereo even on the tightest of budgets.  All you have to do is set aside fashion, expectations, and marketing hype.  Then, go out, shop super cheap, and get what you need for a kicking sound system.  I recently built a pretty decent system from thrift store stereo component.  The total price of my system was a whopping $40.  Yes, $40!  Here's how I did it:

How I Built a Component Stereo for $40

Technics SU-V76 Amplifier & Technics ST-S76 Receiver

1 of 2 Sharp Compact Stereo Speakers

While I can certainly improve on this system, it sounds pretty darned good.  Now, I have something to build on and expand on in the future.  This whole stereo started on a shoestring budget at a thrift store.

Of course, if you want to go low with all new gear, you could start with a mini stereo amplifier like this one:

How to Use a Magic 8 Ball in Your Job Search

The Classic Toy from Mattel Has the Answers You Need

When you are searching for a job, your world is full of questions. Your family will face a lot of uncertainty and stress. Until a job offer is on the table, there are no answers. You find yourself waiting for decisions by HR and by hiring manages. If you are relocating, there is even more uncertainty in the equation. Fortunately, a classic American toy, the Magic 8 Ball from Mattel, has some of the answers. Those answers can, at least, temporarily relieve you of many job search anxieties.

The Magic 8 Ball is a larger than normal plastic billiard ball containing a 20-sided die immersed in a dark fluid. You look at the 8, ask it a question, and then flip it over to see the answer revealed in a transparent plastic window. The Magic 8 Ball is quick and it's all people had before Yahoo, Google, and Bing. It's a mysterious entity and there are a few guidelines that can help you get the most out of it:

1. Ask Yes/No Questions. When asking a question to the Magic 8 Ball, you must phrase your questions in the form of yes/no questions. Open-ended questions are not really the plastic oracle's strong point.

2. Ask questions that are about intuition, feelings, and actions beyond your control. The Magic 8 Ball seems to get insulted when asked questions that are better answered by online research. If you ask, the Magic 8 Ball if there are rattlesnakes in Austin, it may give you the wrong answer just out of spite. However, if you ask about whether a recruiter will call today or whether you'll get a move package, the Mattel version of the old Syco-Seer does much better.

3. Pay Attention to Your Own Desires. While the Magic 8 Ball reveals simple answers, if you pay attention and are self-aware, you might just learn a little something about yourself. For example, if you ask a question, you may realize that don't like the answer and re-phrase the question or shake twice for for a best two out of three answer. If you find yourself, playing for two out of three or rephrasing questions, it is very revealing of your own desires.

4. Know the Odds. According to Magic8ball.org, the Magic 8 Ball has twenty possible answers. 10 are positive, 5 are negative, and 5 are neutral. So the Magic 8 Ball is a generally positive and supportive entity.

I'm not sure that a Magic 8 Ball is a good replacement for a career coach. It's a random answer generator intended for entertainment purposes only. However, an answer from a Magic 8 Ball sure beats fretting and worrying about something beyond your control. That HR department will eventually call you.

Habits for Success

Everyone has secrets for success.  It's a multi-million dollar industry.  But, success has simple roots.  Success is a product of good habits.  As Aristotle said, "We are what we repeatedly do.  Excellence, then, is not an act but a habit."  If you'd like to be successful, you have to develop a good work ethic and show it through good habits.  I have identified some of these habits here -

Seven Habits for Success in Life

You could pay some late night infomercial guru $29.95 for this information, but I'm giving it away for free.  Everyone in this country can and should succeed in life.  However, if you want to learn more and expand upon the theme, I recommend reading Stephen R. Covey's book, The 7 Habits of Highly Effective People.

Refurbishing Your Laptop for a Longer Life

We have another laptop that is near death.  The hard-drive has failed and we are running from time to time with a Linux LiveCD that runs everything from the CD-ROM drive.  It works, but it is cumbersome.  We are going to have to repair it.

Here are some basic steps that we are going to take in order to refurbish our old laptop computer on our own.

How to Refurbish Your Old Laptop