17+ Things We Don’t Pay For

January 13, 2015 by


Christmas is behind us and we’ve welcomed in the New Year.

Almost two weeks into it, conversations, both online and in real life, seem to revolve around our New Year’s Resolutions.

The most common seem to be getting healthier and saving money.

For a few healthy recipes, check out my white chicken chili, cinnamon skillet apples, & oatmeal cookies.

When it comes to saving money, we often underestimate how the little things can add up over the years. While each one of these may result in savings as small as a few pennies, many can be significantly more. Over time, they can really add up.

If you’re having trouble making ends meet, or need a little help reaching that financial goal, consider giving up one, a few, or all of these expenses.

Please note that none of these, in and of themselves, are bad things to purchase. My purpose it simply to encourage you to think about your finances with respect to needs vs. your wants. I want a lot of these things, but I need to be mortgage-free. It is with this heart that I share this list with you.

1. We don’t buy things we can’t afford.

I don’t use the word hate very often, but I hate debt and interest. We have a very competitive interest rate on our mortgage, but when I see the interest we pay each month, I can’t help but think about how many groceries I could buy with that money rather than lining the pockets of my mortgage lender.

We do use credit cards for the rewards, (you can read about that here) but we treat our credit cards as though they are cash. If we can’t afford it, we don’t buy it.

See what Steve Martin has to say on this subject in this short, but very funny, SNL skit. https://screen.yahoo.com/dont-buy-stuff-000000884.html

2. We don’t pay bank, ATM, credit card fees, checks, or (very many) stamps.

We used to believe that these fees were just a fact of adult life, but they are not. Spend a few minutes reviewing your financial statements to see how quickly these fees can add up in a year.

You might need to change banks or credit card companies, but the time you invest will be worth it.

We also do all of our banking online through our credit union’s free bill pay service, so I don’t pay for checks or stamps to pay bills. If you do shopping or banking online, be sure that your information is secure. (This is part of my husband’s career, so I know we are as safe as possible in this area.)

3. Services

We all know that time is money. Many people have more money than time so they can pay for services that afford them more time. If, however, you have more time than money, providing as many services as you are able can really save you some cash.

If it is something we are able to do on our own, we do it. We garden, harvest our own firewood, cook, clean, as well as home, auto, appliance, and any possible repairs.

Admittedly, sometimes it would be nice to be able to pay someone to provide a service for us rather than having to do it ourselves, but remember what I said about the interest I am paying on my home?

4. Membership Fees

We don’t pay for a gym membership as we can exercise at home and outdoors. Not only do we save membership fees, but we save gas because we don’t have to drive to work out.

We recently gave up our Costco membership. (You can read about that here.) This was a tough one for us, but it made financial sense for us.

One membership fee we continue to pay, however, is AAA. We justify this one because we drive an older vehicle and live in a remote area. This is one membership fee that affords us peace of mind in our circumstances.

5. Multiple Vehicles

This is a tough one and one that doesn’t work well for most people, but should you really need to save some money, consider decreasing the number of vehicles your family drives.

We are down to one “road” vehicle and one “work” vehicle. Our situation does allow for this, but it can still be a challenge. While it isn’t the most convenient, our family squeezes into our pick-up truck when we need to leave home. Our work vehicle is our snow plow truck that allows us and our neighbors the freedom to get out when the snow dumps.

Having less vehicles isn’t easy, especially when schedules conflict or repairs are needed, but the cost savings is significant. It isn’t for every family, but it is something to consider should your financial circumstances deem it necessary.

6. Subscriptions, Movies, and Books

We used to subscribe to the local newspaper and several magazines. It was always fun the day a new magazine came in the mail, but when the finances needed to be tightened up, this was something we chose to let go of. Between the internet and the library, we can find all that we need without having to pay a fee.

With the exception of a very few movies, we usually don’t purchase them. When we do want to watch movies, we utilize our local library where we can borrow them for free.

The same goes for books. While I do own many books, I no longer purchase them unless I know it is something I will use on a regular basis. Our library accepts purchase requests so if they don’t have what I am looking for, they usually purchase a brand new copy for me to borrow.

Here are a few of my highly recommended favorites: Homemade: How-to Make Hundreds of Everyday Products Fast, Fresh, and More Naturally, William-Sonoma Family Meals: Creating Traditions in the Kitchen, the Better Homes and Gardens New Cookbook, and Natural Beauty at Home.

These are on my wish-list: The Homemade Pantry: 101 Foods You Can Stop Buying and Start Making and Make the Bread, Buy the Butter.

*Disclosure: This post includes affiliate links. You are not obligated to make any purchases, but when you do through one of my links or the Amazon search box to the right, I will make a small percentage on the sale. Thank you for supporting my site.

7. Entertainment

Speaking of movies, our entertainment budget is almost non-existent. A review of Quicken tells me that in 2014, we spend $51.50 on entertainment. We went to the movies 1 time in the entire year. Our family had one of the most stressful days we had ever experienced and decided we needed to head out to see a movie.

We love going to the movies. We also love bowling, traveling, camping, and a host of other activities, but we have learned to make do entertaining ourselves from home. Once in awhile, we hit the road to visit family, but we justify that expense because, well, they’re our family! (They are also more than generous and help us pay most of our expenses, so that certainly helps).

8. Cable TV or a landline

Because we don’t live in the city, it was quite an expense to have a landline put in. We decided that things like a well, septic, and power were more important and that we could make do with my husband’s business cell phone. That certainly presents its challenges in the way of communications, but it does save us quite a bit in the way of monthly charges, as well as the initial investment for construction fees.

While we have to pay for internet for my husband’s business, cable tv is not an expense we can justify at this point in our lives. With the exception of a few times, such as the Olympics, elections, or other news-worthy events, we rarely miss having tv. I would miss internet very much, but tv is something our family does fine without.

9. Weekly Trash Pick-Up

Our power bill has gone up twice recently, so we wondered if we could cut something else back to make up the difference. We decided to change our trash pick-up to twice a month rather than weekly. We were able to cut our bill in half.

Because we don’t use a lot of disposable or packaged products and take great care to have zero food waste, we simply don’t generate a lot of trash. We are thoughtful with what we throw away, so we have found this system to work very well for our family.

10. Cosmetics and Salon Visits

Don’t get me wrong, we do shower with soap and brush our teeth with actual toothpaste. We even floss with store-bought dental floss. We just keep these expenses to a minimum.

I keep my hair very simple so I only need to cut it about once a year or so. My husband cuts his hair and the boys now cut their own hair. We don’t use many styling products, so we keep these expenses pretty low.

As much as I love massages, facials, manicures, and pedicures, this is something I have chosen to give up in an effort to meet my financial goals. I do what I can to handle these needs at home. I wear make-up on very rare occasions. I have very sensitive skin so I am better off not wearing it at all. I use natural products for my skincare rather than purchasing them from the store.

You can read about how I make frugal and natural facial cleanser here. We also (sometimes) make our own bar soap, which I will write a post about some day.

11. Conventional Batteries

Conventional batteries was an area we found we were spending too much money on, so my husband bought rechargables, and we have never looked back. While it is a bit of an investment, at first, it certainly pays off in the long run.

We have used these for years and highly recommend them.

12. Disposable Paper Products

Only in very rare exceptions do we purchase disposable paper products. I do keep paper plates, Kleenex, a roll of paper towels, and a few napkins on hand for power outages, traveling, or unique circumstances, but on the whole, we use re-usable items instead.

I cut up old t-shirts, pajamas, etc. for cleaning rags and tissue. We use cloth napkins and I use cloth feminine napkins as much as possible.

Instead of paper muffin cups, I use these silicone ones, and I would never go back to paper. Not only do they save money and trash, but they are much easier. My muffins never stick!

I buy disposable shower caps as they are perfect for covering plates and bowls instead of saran or cling wrap. They are easy to wash so that I can reuse them several times. I also wash and re-use plastic baggies as much as possible (unless they contained raw meat). I made an investment in glass bowls with plastic lids so that I would use less plastic wrap and foil for covering leftover foods.

13. Conventional Cleaning Products

I save a ton of money by not purchasing many conventional cleaning products. You can do a lot with a squirt bottle, homemade rags, baking soda, and vinegar. See my post: 23+ Ways I Use Vinegar.

I buy my laundry detergent in large quantities and use less than the container recommends. (This goes for my dishwasher detergent, as well). I don’t buy fabric softener, but use vinegar instead. I tear my dryer sheets into thirds or quarters and find that it works just fine with less.

14. Fun Drinks

Most of the time, we drink reconstituted powdered milk, tea, and water. We never purchase alcohol or soda. On rare, celebratory occasions, we may purchase Sparkling Apple Cider or egg nog (my boys LOVE this at Christmas!). Sometimes we will purchase 100% juice from the freezer section, but this is mostly for use in smoothies.

Generally speaking, however, there are no fun drinks for us. Personally, I’d rather buy food that fills tummies than drinks that taste good. It’s definitely not as fun, but it sure is good for that food budget.

15. Fun Foods

We also don’t purchase much in the way of fun foods. We don’t buy packaged cookies, donuts, chips, or other fun, snacky foods. Occasionally, I will have crackers, granola bars, or cereal on hand for the times when we are traveling, have a power outage, or I don’t have the time to make something from scratch. Otherwise, these foods are considerably less expensive to make from scratch.

16. Convenience Foods

While purchasing bread, tortillas, frozen pizza, baking mixes, and salad dressings is certainly more convenient than making them from scratch, they are, as previously stated, significantly more expensive. I have learned that you can make almost anything from scratch, including things like cereal, crackers, and spice mixes. I do like to have some of these items on hand for “emergencies”, but as a whole, I make them from scratch in an effort to keep grocery spending at bay.

17. Restaurant Meals or Take-Out

This has, admittedly, been the most difficult thing for me to give up. I don’t even want to admit how many nights of the week I would rather head into town to a restaurant for dinner rather than the kitchen. Don’t get me wrong, I love cooking. But there are nights when going out would be so much easier. That being said, eating out is expensive. I save a small fortune by giving up this luxury. We may, occasionally, celebrate with a meal out, but we usually only eat out while we are traveling.

It’s not always fun and it requires a great deal of hard work to save money, but the results are worth it to us. If we can get through the short-term discomfort, we can enjoy the rewards in the long term.

What do you think? What things has your family given up in an effort to stretch the paycheck, pay off debt, or save for a financial goal? Share with us in the comments.

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Shared at Strangers & Pilgrims on EarthCornerstone ConfessionsSo Much at HomeSoul SurvivalGood Morning MondaysWomen With IntentionI Choose Joy!Thrifty ThursdayThe Thrifty CoupleA Bowl Full of LemonsMissional CallCounting My Blessings, & the SHINE Blog Hop.

Also at: Teaching What is GoodRahab to Riches, Frugal Friday Link Up PartyGrace & Truth LinkupRetro Re-pin PartyThe Great Blog Train, Faith Along the WayProverbs 31 Linkup, & Intentional at Home.

62 Responses to 17+ Things We Don’t Pay For

  1. bonniesteinborn

    Hey – I agree with you — and do MOST of the same things you do
    == The idea of shower caps in a new idea — I share my garbage pick up with my neighbor == since bi weekly is NOT an option – and need to use more vinegar —

    When I do use paper products for all my hosting (which is weekly if not more often ) = I use the dollar store — – and often get the plastic variety and don’t throw those away unless I need to — I am going back to my only set of dishes — even though they are 50 years old — I just pray that few will be broken – guess they have moved into the antique category.

    I never go out to eat alone and very seldom with friends == I invite them here — and send about half my restaurant bill to feed us both — (buy good in bulk and on sale) Must be careful for a woman alone == not to buy perishable items that I can not use in time by myself.

    I do need a land line since that goes with my internet – and the caption phone that the state provides for me and use an antenna rather than cable.- For movie I have a good price for Netflex – so hang on to that account. —

    I also wash all my plastic bags and reuse them a myriad of times — I have silicone ware = I don’t know about the silicone cups == Need to check those out!

    I have insulated my house top to bottom and replaced the windows (triple pane) and furnace. Costly but hopefully in time… I keep my house COOL – 58 – 60 unless there is company and then up to 65 and use the gas fireplace – I have only gas heat – ( mu poor neighbor dresses for the arctic when she visits! She is used to 75.

    I also do my own gutters, pruning and gardening (an all the Christmas decorations in and out ) — Crazy for my location — oh well —

    I use few batteries == Have tried the rechargeable ones years ago but they were not successful 🙁

    I cut my own hair and use the hot shower at the pool where I get my free water aerobic class three time a week. I teach the class some times == soo feel it is OK to use the shower.

    Enough for now = Thank you for taking the time to write all these ideas out == I KNOW a little about how much time it takes 🙂 Blessed New Year and Happy ‘savings’ —

    • Heather

      Bonnie, if you bake muffins or cupcakes, you will LOVE the silicone muffin cups. The shower caps are wonderful, as is vinegar. We have been VERY happy with the brand of rechargables I recommended – I know not all of them are the same quality. Regarding disposable plates, I bought some very cheap ones at Wal-Mart that I wash and reuse. That would save you even more than the Dollar Store. I can’t believe you cut your own hair! That’s incredible. Thanks for sharing your thoughts with us, Bonnie. Blessings to you, my friend.

  2. Erin | It All Matters Mom

    Awesome tips! We do a lot of these. We are required to have a land line in our small town (only one company — a monopoly!), and it makes me sick knowing $15 every month basically goes to telemarketers.
    I started making my own syrup and am going to start making our cleaning supplies soon. I didn’t want to initially because I thought it wouldn’t disinfect, but I read that vinegar does actually disinfect, so I’m all in if it means saving money!
    We are cutting out chocolate syrup (for chocolate milk), juice for the girls and pop for us (this is HARD for me!), as we are in a financial “situation.” Just those changes alone should save us more than $30 a month! My toddler isn’t liking being without chocolate milk and juice, but she’ll survive. 🙂

    • Heather

      Wow, Erin! You’re giving up your Diet Coke? I know how much that means to you. For me, it’s coffee and half & half, but we will survive! Vinegar is wonderful for disinfecting as is tea tree oil. Have you seen this syrup recipe? http://myoverflowingcup.com/the-best-buttery-caramel-ly-pancake-sauce-ever/ It’s SO good! That’s a bummer about your land line. I’m praying for your situation. Hang in there – you’ll be surprised how soon you all adapt. Blessings.

      • Erin | It All Matters Mom

        Haha! Yes (it’s Diet Dr. Pepper, but Diet Coke is a close second). 🙂 That syrup recipe is the same one I used (I think)! It is delicious! My husband had some last night and he said, “Is it healthy?” And I said, “Not even close but it will save us some money!” Ha! I know this too shall pass.

        • Heather

          Oh, Diet Dr. Pepper – that’s right! My syrup recipe cuts the sugar and you don’t need to use butter because its already in the syrup, so it’s not too bad. I think it is better than the artificial syrup with corn sugar, artificial flavoring, and coloring. Real maple syrup is best, in my opinion, but I’d have to take out a second on my mortgage to buy that. Yes, this too shall pass. Hang in there, my friend!

  3. Ifeoma Samuel

    This is an awesome list of frugality. I am proud you took this step to show us, your readers how to do some cut backs and importantly how it works for your home.
    I love home made meals. You save much more on preparing your meals than grabbing meals on the go. Thankfully, we don’t have the habit of eating out a lot. I have to be a bit more creative in cooking various meals.
    Thanks for sharing your very helpful tips.
    I will go over and read up on uses of Vinegar


    • Heather

      Ifeoma, I am so happy to hear that you enjoyed this post! Thanks so much for taking the time to leave some encouragement. It’s a good thing that you don’t have an eating out habit – that was a tough one for me to give up. Eating at home isn’t always as much fun, but it really does save a lot of money. Blessings.

  4. Dana

    Great list of ways to cut back on unnecessary expenses! We are trying to cut back now and our biggest culprit was eating out. My husband is an awesome cook so we are going to enjoy his talents more now 🙂

    • Heather

      Thanks, Dana! I love your perspective on cutting out your eating out habit. I began by keeping track of how many days it had been since we last ate out. I used this to both challenge and encourage myself to go longer and longer in between meals out until eventually we just stopped. I think you will be amazed at how much money you save by kicking the habit. Blessings to you and yours.

    • Heather

      Thanks! Like I said, it isn’t always easy. I hope to encourage others in this area who need to make a change. Blessings to you and yours. Thanks for reading.

  5. Summer

    Wow, this is great food for thought. When we are feeling like we’re strapped for money I often have to look at all the ways we “waste” it. It’s not bad to do these things, but when money is tight, discipline is key. Thanks for sharing. P.S. I LOVED your last post on “One word”. May God bring you much wisdom this year! 🙂

    • Heather

      Thanks so much for reading, Summer, and for taking the time to encourage me. I really appreciate it. You are right about discipline – it is key. Blessings to you and yours.

  6. Anita Ojeda

    Great ideas, Heather! We do most of those things (although we haven’t been able to have a garden for the last 14 years :(, we sure loved having one when our kids were little). I also try to go to town as little as possible–once a week to get our mail from the post office and buy groceries. It’s crazy how all of those little things add up!

    • Heather

      We do the same thing, Anita. We only go into town on Tuesdays to work and Sundays for church. Any errands are run on those days to save both time and gas. Thanks for reading!

  7. thatfinancechic

    Great tips. I agree with you 100%, especially with Buying things you can’t afford. That is our family motto. If we don’t have the cash for it, we don’t do or buy it. This is the #1 rule for us staying within budget. I am visiting from Woman with Intention….

    • Heather

      Thanks for stopping by and for sharing your thoughts. It’s a very practical and simple rule, but not always easy for most people to follow. Blessings to you and yours.

  8. JES

    A woman after my own heart (and I thought I was the only crazy one)! We do all of these things as well and are down to one vehicle… Thanks for sharing this helpful list on the Art of Home-Making Mondays. Definitely pinning this one! 🙂

  9. tmpresser

    I love your posts, thanks for taking the time to share your ideas and your heart with us at Good Morning Mondays. I agree about the eating out point, it can be so expensive and we find this the hardest to give us. I cut the childrens and my own hair, we have our own meat, we dont spend a lot at the grocery store but we would still love to cut back even more. Thanks for the tips and advice, it is greatly appreciated. Blessings

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    • Heather

      Thanks for reading, Amber! I think the key to saving money is really all about priorities. If something is important to you or your family, then you should do it if you can afford it. Blessings to you and yours.

  11. Deanna Michaels (@DeannaMichaels)

    Love this! Your list looks much like ours!!! All those things really add up. It’s crazy how quickly batteries run down, we’ve been transitioning ours to rechargeables as well. Cell phones are another one. My husband has a smart phone and data plan but I’m holding out. It’s just not something I want to spend the money on right now, so I don’t even have texting on it. You guys are teaching your kids some great skills and habits they will be thankful to know when they are living on their own.

    • Heather

      Thanks so much for your encouragement, Deanna! It’s nice to know that others are like-minded. Blessings to you and yours on your journey. Thanks so much for reading.

  12. Charlee Anne

    I seriously didn’t even know you could pay less for trash pick-up. I will have to look into that and see if we can have our bill lowered by having them pick it up twice a month as well.

    I also have a very simple hair and makeup routine. I haven’t had a hair cut or trim in more than a year, and the last time I did have it trimmed, my husband did it. I also cut his hair at home, and it’s saved us a lot of $!

    We rarely buy pop, but I wish I could have had some eggnog at Christmas. This past Christmas was the first without it. 🙁

    I really need to find a better way for paper towels and napkins. I buy the paper towels to make diaper wipes, but I’m sure using cloth napkins could be a great way to save a lot of money over the years.

    Thank you for a wonderful list of ways to save!

    • Heather

      It sounds like you are doing an excellent job with your finances! It is hard to give up things we love, isn’t it? When I buy my kids egg nog at Christmas, they understand that it is part of their Christmas gift. 🙂

      You can purchase cloth napkins secondhand, or even consider using something you might already have on hand. Do you have fabric you might be able to use? Or clothes you are no longer wearing? I do plan to do a post on making some of these items in the future, so stay tuned. Thanks so much for reading and sharing your thoughts. Blessings to you and yours.

    • Heather

      Love the idea of sewn reusable “paper” towels. That’s on my to-do list for sure.

      We had cable TV for awhile, but after our introductory rate expired, we canceled as the cost was just too high.

      Thanks for reading, my friend. xo

  13. balmtomysoul

    Wow. What a great outlook on life and frugality. We do several of these, but I must admit, in comparison, we have some work to do. Thank you for sharing your tips!

    • Heather

      Don’t compare what we do to what you do unless you need/want to! 🙂 I’m always a little timid about sharing these details because I don’t want to make people feel like they should be living the way we are. I just want to share my tips in case you need the encouragement! No guilt! Thanks so much for reading and for taking the time to leave a comment. Blessings.

  14. Julie V

    Good list 🙂
    I try to use Tupperware-like containers as much as possible rather than throw away bags. Also, we avoid using napkins or paper towels.
    I really wish limiting our garbage pick up was an option for us. I almost never fill it even halfway in a week.
    I’m looking up your facial cleanser right now.

    • Heather

      Every little bit helps, doesn’t it? It’s too bad you can’t decrease your garbage pick up. I never like paying for something I don’t really need. I love my facial cleanser. I hope you find that it works well for you. Thanks for reading, Julie!

  15. Shannon @ GrowingSlower

    Heather I could REALLY relate to so many tips on this list! It’s amazing how many ways you can find to trim the budget, both big and small, when you really set your mind to it. It does take some sacrifice and a bit of swimming up stream from the rest of the culture, but it’s well worth it when you experience the financial peace of living within your means.

    • Heather

      Absolutely, Shannon! I couldn’t have said that better myself. Thanks so much for reading and for taking the time to leave a comment. Blessings to you and yours.

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  17. kasey

    I do a lot of these as well! Although I have to say for me the gym is a must for the sanity the babysitting provides! Although I recently found out if you work at the gym you can work out for free you still have to pay for the babysitting but its only 120$ a year so working there would more than cover it!

    • Heather

      That sounds like a win-win, Kasey! Like I said, each family has to find what works for them. This sounds like it is a great situation for you.

  18. OrganizedGeorge

    What a great post! We do a lot of the same things you mentioned, but you mentioned some others I hadn’t even thought of — thank you!

    May I make one suggestion? Check your auto insurance policy to see if you have roadside coverage included. The Mister and I were members of AAA for years and years until we checked our auto insurance policy two years ago. It was actually better than AAA’s and that was one more expense we were able to cut.

    • Heather

      Thanks for the tip on the auto insurance! While we need the towing available from AAA due to our very remote location, this might be beneficial to many of my readers. Thanks for reading and for taking the time to share that.

  19. A Proverbs 31 Wife

    I love that you use Quicken, seriously the best program ever 🙂
    I think we do a lot of the same things for saving money, I don’t use shower caps but I’m going to! By the way, double check your vehicle insurance. We were paying for AAA for a long time and then discovered our insurance offers roadside assistance. lol

    And paper free is really nice to be honest. I ripped up an old jersey knit sheet that had a hole in it and created “snot-rags” to be honest, they are softer than regular tissue by far!
    Still use tp though… hubby and I neither one are real thrilled about family cloth.

    btw, what momma cloth do you use? I bought some and am not a huge fan. I have another cup coming in the mail, but pads are good to have as well.

    • Heather

      Quicken makes my life so much easier! Regarding AAA vs. vehicle insurance, we live in a very remote area so we need the long distance towing, but thanks for sharing that suggestion. It might help some of my readers.

      We have found that cloth tissues are much softer than regular tissue. It is due to the cotton fibers verses wood fibers in traditional tissues. I like cloth for TP, but I won’t give it up for #2. 🙂 I make my own mamma cloths. I need to do a post about that soon. Thanks for the reminder.

      Blessings to you and yours.

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  21. purpleslobinrecovery

    Wow, I admire your DIY lifestyle. I gave up TV totally, at the Lord’s prompting. I rarely miss it. Also I drink mostly water as well. But going out is my bug a boo. I love it! But since I’m gluten free , that perforce cuts out lots of choices. I eat much healthier now. And I cut my own hair, and no make up as well.
    If I still had kids at home, I’m sure I wouldn’t be doing as well as I am now.

    • Heather

      I love going out, too! It was the last thing I let go of and what I miss the most. I have found that we eat much healthier than we used to as well. I no longer wear makeup and I don’t cut my hair nearly as often as I need to. Yikes! Thanks for reading and for your encouragement. Blessings.

  22. Keelie Reason

    I love your list. I don’t pay for most of those things either. I’m going to add library late fees and gas to get to the library up there. Now that I can check out stuff on to the kindle for the kids, we don’t have to pay anything for it anymore.

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