promo code SAIL15 some exclusions apply
Saturday, October 16, 2010
Friday, October 15, 2010
Jewel Catalina -Nature Valley 10/04/10-10/31/10
Buy 3 get $1.50
buy 4 get $2.50
buy 5+ get $3.50 oyno
expires 10/31/10
buy 4 get $2.50
buy 5+ get $3.50 oyno
expires 10/31/10
Chicago Tribune Sunday Delivery
99 cents/week
800-311-8500 or www.chicagotribune.com/savenow
code X119
new subscribers only in valid delivery areas
no poboxes limited time promotion
800-311-8500 or www.chicagotribune.com/savenow
code X119
new subscribers only in valid delivery areas
no poboxes limited time promotion
Friday, October 8, 2010
Back to Basic Toys - Coupon
www.backtobasicstoys.com
PROMO CODE: FAIRSVIP
online redemption exp. 03/31/2011
15% off + free shipping
PROMO CODE: FAIRSVIP
online redemption exp. 03/31/2011
15% off + free shipping
Monday, July 19, 2010
Wednesday, July 14, 2010
Week #4
Taco Bell
Bribery for daughter to go to garden with me. oop $4.50
Took trip to Field Museum:
$2.5o for donuts at train.
$6.90 for ice cream on return trip at train
Michaels:
oranges
apricots
plums
tomatoes
green beans
gum
red onions
plums
yellowfin tuna
deli meats and cheese
chick peas
bread
corn tortillas
eggs
juice
king burgers
oop $28.46 I purchased extra plums and apricots with the expectation to can them in a marmelade or in a light syrup. They are sitting on the counter and expect to do process them this afternoon. (wed)
Jewel (I was snack mom for baseball)
3 - 10 ct juice boxes
3 packs gum
$10.04
So far oop: $52.40
Expectations - I didn't put the ice packs back from the cooler for the juice boxes (baseball) and it is going to be HOT today. My husband is buying lunch - expect $10. Promised husband he can have a El Famous Burrito on Thursday (I have Toastmasters) expect $12. Almost out of beer, husband wants Landshark expect $12. Kelloggs deal at Jewel exp $4 and I need to pick up some fruit for baseball team $6 last game party -expect purchases $44.
Bribery for daughter to go to garden with me. oop $4.50
Took trip to Field Museum:
$2.5o for donuts at train.
$6.90 for ice cream on return trip at train
Michaels:
oranges
apricots
plums
tomatoes
green beans
gum
red onions
plums
yellowfin tuna
deli meats and cheese
chick peas
bread
corn tortillas
eggs
juice
king burgers
oop $28.46 I purchased extra plums and apricots with the expectation to can them in a marmelade or in a light syrup. They are sitting on the counter and expect to do process them this afternoon. (wed)
Jewel (I was snack mom for baseball)
3 - 10 ct juice boxes
3 packs gum
$10.04
So far oop: $52.40
Expectations - I didn't put the ice packs back from the cooler for the juice boxes (baseball) and it is going to be HOT today. My husband is buying lunch - expect $10. Promised husband he can have a El Famous Burrito on Thursday (I have Toastmasters) expect $12. Almost out of beer, husband wants Landshark expect $12. Kelloggs deal at Jewel exp $4 and I need to pick up some fruit for baseball team $6 last game party -expect purchases $44.
Week 3 Total $93.69
Garden Fresh Market (Sat)
gallon milk
chicken thighs
grapes
peaches
lettuce
lime
carrots
oop $9.48
Total for week: $165.78 - less $13.01 paper -less $9.08 garden -less $50 mail in rebate.
For the contest my qualifying numbers would be $93.69. However, my personal goal is less than $100 for all (grocery, cosmetic, eating out, pet stuff, and garden items.) My total for this excluding the MIR $115.78.
gallon milk
chicken thighs
grapes
peaches
lettuce
lime
carrots
oop $9.48
Total for week: $165.78 - less $13.01 paper -less $9.08 garden -less $50 mail in rebate.
For the contest my qualifying numbers would be $93.69. However, my personal goal is less than $100 for all (grocery, cosmetic, eating out, pet stuff, and garden items.) My total for this excluding the MIR $115.78.
Friday, July 9, 2010
Week 3 cont.
Jewel:
6 Grande Tortillas + raincheck for 3 more $1.99-$1q
4 Fisher Fusion nut mixes + raincheck for 3 more @ $1.29 - $1q
rain check on worchestershire sauce 2.99-2 q + looking for mail in rebate
20 toothbrushes priced at $1 and had 5 $2 off 2 FREE
4 soda 12 packs for $8 plus free package of Johnsonville sausages
2 kraft salad dressings
2 Edy's ice creams
oop $19.57
Dominiks
Since I'm out of competition decided to do liquor deal
7 bottles 750 ml of smirnoff vodka flavors
1 capton morgans 750 ml rum
oop $60.04 less $50 mail in rebate; gave 2 bottles to friends who contributed their coupons. Using rest of bottles for holiday gifts.
So far:
$156.30-$13.01-$9.08-$50. = $84.21 plus holding $4 off next order.
6 Grande Tortillas + raincheck for 3 more $1.99-$1q
4 Fisher Fusion nut mixes + raincheck for 3 more @ $1.29 - $1q
rain check on worchestershire sauce 2.99-2 q + looking for mail in rebate
20 toothbrushes priced at $1 and had 5 $2 off 2 FREE
4 soda 12 packs for $8 plus free package of Johnsonville sausages
2 kraft salad dressings
2 Edy's ice creams
oop $19.57
Dominiks
Since I'm out of competition decided to do liquor deal
7 bottles 750 ml of smirnoff vodka flavors
1 capton morgans 750 ml rum
oop $60.04 less $50 mail in rebate; gave 2 bottles to friends who contributed their coupons. Using rest of bottles for holiday gifts.
So far:
$156.30-$13.01-$9.08-$50. = $84.21 plus holding $4 off next order.
Wednesday, July 7, 2010
Week 3
Sunday:
Jewel-
hot dog buns
2 Edy's Ice Cream and received $4 oyno catalina
4 12 packs coke, diet coke, sprite - best price so far 4 for $8
Johnsonville beef brat free w/soda purchase
oop $14.61
Michaels-
4 king hamburgers
chicken drumsticks 49cents/lb
2 dzn eggs
yogurt (activia 4 pk and 2lbs plain)
deli meat-(ham and turkey and cheese american and pepperjack)
grapes
plums
apricots
tomatoes
corn
watermelon
peaches
cherries
limes
oop $30.36
walmart
cat food
cat litter
water
cooking spray
canned pineapple, mandarin ojs, pears
bread
toilet paper
styrofoam cups coffee
candy bar
ice cream cones
gum
oop $22.64 less paper/pet $13.01
menards
garden miracle grow soil and food $9.08
totals $76.69 - $13.01 -$9.08 = $54.60 (Note -I'm trying to keep amount below $100 for paper products, petcare, and food items inc. garden.) +$4 catalina
planted beans, carrots, beets, zinnas, radishes, lettuce in addition to my current plants of: cucumbers, tomatoes, peppers (many varieties), corn, cabbage, tomatillos, marigolds. My deck has basil, cilantro, coriander, chives, lettuce, & radishes.
Sunday:
I took some frozen raspberries and cooked them in a simple syrup, then strained the seeds. I used the sauce as a topping on cheesecake (from the freezer) and also in the plain yogurt for the kids.
Made granola bars. A little too sweet. DH has been eating them. Made buttery bisquits with bread machine (www.moneysavingmom.com) ended up with 3 pie plates of dough balls. Placed 2 in second fridge for later use.
Tues:
Made 4 dozen molasses cookies and about 3.5 cups of granola (www.hillbillyhousewife.com) Plan to make fruit/yogurt parfaits for breakfast.
Ceramic Tile
I usually wash the floors with vinegar and water for past 7 years. I was looking at the tile and the grout and it didn't look clean enough. I used borax and a scrubber and I had to change the water 6 times. Wow!
Jewel-
hot dog buns
2 Edy's Ice Cream and received $4 oyno catalina
4 12 packs coke, diet coke, sprite - best price so far 4 for $8
Johnsonville beef brat free w/soda purchase
oop $14.61
Michaels-
4 king hamburgers
chicken drumsticks 49cents/lb
2 dzn eggs
yogurt (activia 4 pk and 2lbs plain)
deli meat-(ham and turkey and cheese american and pepperjack)
grapes
plums
apricots
tomatoes
corn
watermelon
peaches
cherries
limes
oop $30.36
walmart
cat food
cat litter
water
cooking spray
canned pineapple, mandarin ojs, pears
bread
toilet paper
styrofoam cups coffee
candy bar
ice cream cones
gum
oop $22.64 less paper/pet $13.01
menards
garden miracle grow soil and food $9.08
totals $76.69 - $13.01 -$9.08 = $54.60 (Note -I'm trying to keep amount below $100 for paper products, petcare, and food items inc. garden.) +$4 catalina
planted beans, carrots, beets, zinnas, radishes, lettuce in addition to my current plants of: cucumbers, tomatoes, peppers (many varieties), corn, cabbage, tomatillos, marigolds. My deck has basil, cilantro, coriander, chives, lettuce, & radishes.
Sunday:
I took some frozen raspberries and cooked them in a simple syrup, then strained the seeds. I used the sauce as a topping on cheesecake (from the freezer) and also in the plain yogurt for the kids.
Made granola bars. A little too sweet. DH has been eating them. Made buttery bisquits with bread machine (www.moneysavingmom.com) ended up with 3 pie plates of dough balls. Placed 2 in second fridge for later use.
Tues:
Made 4 dozen molasses cookies and about 3.5 cups of granola (www.hillbillyhousewife.com) Plan to make fruit/yogurt parfaits for breakfast.
Ceramic Tile
I usually wash the floors with vinegar and water for past 7 years. I was looking at the tile and the grout and it didn't look clean enough. I used borax and a scrubber and I had to change the water 6 times. Wow!
Sunday, July 4, 2010
Week 2 Total $117.96
Verry disappointing week.
Total was $123.15 less paper products $1.19 and $4 = $117.96.
Not sure if contest is counting vegetable garden plants = $1.17 + $12.81 = $13.98
Total would be $103.98
I know the contest is on the honor system. There isn't any way that I could not state my husband's expense.
I'll try to keep my chin up and continue to play. But I am very sad.
Total was $123.15 less paper products $1.19 and $4 = $117.96.
Not sure if contest is counting vegetable garden plants = $1.17 + $12.81 = $13.98
Total would be $103.98
I know the contest is on the honor system. There isn't any way that I could not state my husband's expense.
I'll try to keep my chin up and continue to play. But I am very sad.
Wednesday, June 30, 2010
Week 2 - Wed.
One thing about this contest is that I'm forced to be creative. Many times I think, I could make this or that, but now I'm actually forced to make it.
About 3 weeks ago, the sale on cola was 4- 12 packs coke products for $9 and get a free Hillshire Farm sauage.
I made jumbalya. The recipe was listed on www.gomeat.com. I added shrimp. My kielbasa was turkey so I added liquid smoke. Very good and under $1/serving.
Went shopping:
Caputos:
plums
tomatos
iceberg lettuce
string beans
strawberries
blueberries
green bell peppers
red onion
cucumber
nectarines
tilapia 2lbs
gallon milk
yoplait yogurt
fresh mozzarella - deli
eggs
calamata olives - deli
bath tissue 1.19
total oop 27.72-1.19 (paper) = 26.53
Dominiks
peanut butter
shredded cheese mozzarella
orange juice
almond milk ...trying to be healthy and received tip from Biggest Loser.
sour cream
wheat bread
2 pork chops
breakfast sausage
2 lunchables
5 lbs potatoes 50cents
sliced mushrooms
mailed coupons didn't work and went to customer service for correction oop $18.30
Keller Farm Stand bought 12 vegetable plants for $1.17
Caputos - had free tomato plants ...took 3
Total so far:
$75.34-$1.19 paper $74.15
Fairly certain that I will not need to buy anything else.
About 3 weeks ago, the sale on cola was 4- 12 packs coke products for $9 and get a free Hillshire Farm sauage.
I made jumbalya. The recipe was listed on www.gomeat.com. I added shrimp. My kielbasa was turkey so I added liquid smoke. Very good and under $1/serving.
Went shopping:
Caputos:
plums
tomatos
iceberg lettuce
string beans
strawberries
blueberries
green bell peppers
red onion
cucumber
nectarines
tilapia 2lbs
gallon milk
yoplait yogurt
fresh mozzarella - deli
eggs
calamata olives - deli
bath tissue 1.19
total oop 27.72-1.19 (paper) = 26.53
Dominiks
peanut butter
shredded cheese mozzarella
orange juice
almond milk ...trying to be healthy and received tip from Biggest Loser.
sour cream
wheat bread
2 pork chops
breakfast sausage
2 lunchables
5 lbs potatoes 50cents
sliced mushrooms
mailed coupons didn't work and went to customer service for correction oop $18.30
Keller Farm Stand bought 12 vegetable plants for $1.17
Caputos - had free tomato plants ...took 3
Total so far:
$75.34-$1.19 paper $74.15
Fairly certain that I will not need to buy anything else.
- Going to zoo today -opted not to buy gogurts and cheese sticks, instead packing pbj sandwiches, 1 yoplait key lime (currently in freezer), lunchables, refill water bottles w/ice water, juice boxes.
- Friday my husband sometimes buys lunch.
- 4th of July weekend - would like to go to Ribfest or Lisle Fest - husband loves ribs.
- Husband wants to cook pub burgers or equal. on Sunday but Sunday starts a new week.
Sunday, June 27, 2010
Week 2 - Sunday
Meal Planning: looked at the All You for 5 recipes 1 grocery list and many of the items are in my pantry/freezer.
Sunday - breakfast - kids' peanut butter toast, glass of milk, fruit; dh & me eggs & toat
lunch - leftovers - husband is eating at his cousins, kids - sandwichs
dinner - going to graduation party
Sunday - breakfast - kids' peanut butter toast, glass of milk, fruit; dh & me eggs & toat
lunch - leftovers - husband is eating at his cousins, kids - sandwichs
dinner - going to graduation party
Totals Week #1 $89.53
Hotel Restaurant $13.83
Wendy's $10.56
Caputos $36.22
Caputos $26.92
Beach $2
Total $89.53
+ Paper Products purchased - not included in challenge $6.16
$95.69
Wendy's $10.56
Caputos $36.22
Caputos $26.92
Beach $2
Total $89.53
+ Paper Products purchased - not included in challenge $6.16
$95.69
Sat - Caputos
popsicles
tuna steaks
peaches
gallon milk
cheese pizza
grapes
cucumber
spinach
tamots
asparagus
strawberries
feta cheese
nectarines
bottled water
oop $26.92
tuna steaks
peaches
gallon milk
cheese pizza
grapes
cucumber
spinach
tamots
asparagus
strawberries
feta cheese
nectarines
bottled water
oop $26.92
Thursday, June 24, 2010
Shrimp Stir Fry
2 1/2 Tablespoons veg oil
1/4 cup water
1 Tablespoon minced garlic
18 shrimp - medium peeled and deveined (freezer)
2 tsp crushed red pepper
2 Tablespoons sliced green onion (from garden)
2 Tablespoon cilantro (fresh from patio garden)
2 Tablesoons soy sauce
1/4 teaspoon ginger (prefer fresh however, I'm not buying it special - using ground)
1/4 cup peanuts
recipe from www.allrecipes.com - it called for shredded cabbage - I do not have it so I'm substituting frozen brocolli, cauliflower, and peas. Serving over white rice.
1/4 cup water
1 Tablespoon minced garlic
18 shrimp - medium peeled and deveined (freezer)
2 tsp crushed red pepper
2 Tablespoons sliced green onion (from garden)
2 Tablespoon cilantro (fresh from patio garden)
2 Tablesoons soy sauce
1/4 teaspoon ginger (prefer fresh however, I'm not buying it special - using ground)
1/4 cup peanuts
recipe from www.allrecipes.com - it called for shredded cabbage - I do not have it so I'm substituting frozen brocolli, cauliflower, and peas. Serving over white rice.
1/2 done with week 1
Thurs - cleaning fridge-
endive lettuce -took large leaves for wraps and for sandwiches and chopped the rest into 3 cobb salads
carrots - added some to salads, peeling and cutting for snacks
thawed green peppers - I used some in the enchiladas on Monday and want to use the rest in a stir fry for tonight
endive lettuce -took large leaves for wraps and for sandwiches and chopped the rest into 3 cobb salads
carrots - added some to salads, peeling and cutting for snacks
thawed green peppers - I used some in the enchiladas on Monday and want to use the rest in a stir fry for tonight
Tuesday, June 22, 2010
Week #1
Sunday was the first day of the contest and I was pretty nervous because I was out of town, going to a water park, and then going to the airport.
We ate breakfast at the hotel (continental breakfast not available) - cost was 2 breakfast buffets and kids eat free. Total including tip $13.83 - kids also had leftover french toast in-room microwave and we had our first cups of coffee with the in-room coffee maker.
Food - eggs, sausage, bacon, bagels, toast, fresh fruit, coffee, juice
Snack and Lunch - packed a styrofoam cooler in trunk of car with ice from hotel - salads, yogurts, grapes, pretzels, carrot sticks, peanut butter (minis), filled water bottles with ice and added the single serving lemonades to each one.
Dinner - Wendy's for my husband - double cheese burger combo and kids shared a 5 piece nuggets, small fries, and drink oop $10.56
I finished my salad and yogurt at the rental car facility.
We made it through the airport by refilling the water bottles with water (after clearing the security gate) from the water cooler and made it through without buying anything.
Monday - We were on vacation for 10 days and I cleaned the fridge before I left. We were out of dairy products, deli meats, and produce. My trip to Caputos:
gallon milk
lettuce
mango
string beans
peaches
carrots
grapes
strawberries
yogurt
swiss cheese
deli ham
proscuitto
deli turkey
apples
tomatoes
plums
2 - snacks for kids
jar giardiniera
bananas
rye bread
onion
cucumber
lime
eggs
oop $36.22
so far total - $60.61
breakfast
cereal, eggs, toast/bagel
kids snacks - pb crackers, mini cookies, pudding
lunch - pbj sandwich, soup, turkey burger, lemonade
dinner - chx enchiladas (freezer - homemade chx stock, bell peppers, salsa verde), cheese, chicken, tortillas, cream of mush soup; spanish rice (from a homemade premix), fresh fruit
I have leftover mix in the crockpot from cooking the chicken and seasonings, will add leftover rice, cumin, lemon pepper, 1/2 can of corn for tortilla soup. Will freeze some for a cooler day.
We ate breakfast at the hotel (continental breakfast not available) - cost was 2 breakfast buffets and kids eat free. Total including tip $13.83 - kids also had leftover french toast in-room microwave and we had our first cups of coffee with the in-room coffee maker.
Food - eggs, sausage, bacon, bagels, toast, fresh fruit, coffee, juice
Snack and Lunch - packed a styrofoam cooler in trunk of car with ice from hotel - salads, yogurts, grapes, pretzels, carrot sticks, peanut butter (minis), filled water bottles with ice and added the single serving lemonades to each one.
Dinner - Wendy's for my husband - double cheese burger combo and kids shared a 5 piece nuggets, small fries, and drink oop $10.56
I finished my salad and yogurt at the rental car facility.
We made it through the airport by refilling the water bottles with water (after clearing the security gate) from the water cooler and made it through without buying anything.
Monday - We were on vacation for 10 days and I cleaned the fridge before I left. We were out of dairy products, deli meats, and produce. My trip to Caputos:
gallon milk
lettuce
mango
string beans
peaches
carrots
grapes
strawberries
yogurt
swiss cheese
deli ham
proscuitto
deli turkey
apples
tomatoes
plums
2 - snacks for kids
jar giardiniera
bananas
rye bread
onion
cucumber
lime
eggs
oop $36.22
so far total - $60.61
breakfast
cereal, eggs, toast/bagel
kids snacks - pb crackers, mini cookies, pudding
lunch - pbj sandwich, soup, turkey burger, lemonade
dinner - chx enchiladas (freezer - homemade chx stock, bell peppers, salsa verde), cheese, chicken, tortillas, cream of mush soup; spanish rice (from a homemade premix), fresh fruit
I have leftover mix in the crockpot from cooking the chicken and seasonings, will add leftover rice, cumin, lemon pepper, 1/2 can of corn for tortilla soup. Will freeze some for a cooler day.
Tuesday, June 8, 2010
All You Grocery Challenge 2010
It's baack!
$25/week per person in the household for groceries including food out.
Here is the link to enter: www.allyou.com
Contest starts on June 20. I'll keep you posted as to my progress.
$25/week per person in the household for groceries including food out.
Here is the link to enter: www.allyou.com
Contest starts on June 20. I'll keep you posted as to my progress.
Thursday, March 4, 2010
$100 in Proctor and Gamble Coupons
Spend $50 between 02/01/10 and 4/15/10. See official rules and form www.thankyoumom.com
Wednesday, March 3, 2010
Additional Grocery Savings
additions to blogs I follow:
www.jillcataldo.com
www.mashupmom.com
www.moneysavingmom.com
sign your Jewel card up for free catalinas to print:
http://tv.catalinamarketing.com
In today's Jewel ad, have $20 worth of coupons mailed to you:
www.makeiteasytakeiteasy.com
www.jillcataldo.com
www.mashupmom.com
www.moneysavingmom.com
sign your Jewel card up for free catalinas to print:
http://tv.catalinamarketing.com
In today's Jewel ad, have $20 worth of coupons mailed to you:
www.makeiteasytakeiteasy.com
Sunday, February 21, 2010
Trading Options
Finally, my 2 year goal was to do covered calls and trade my self directed IRA. I finally have the trading platform, my analysis software, my paperwork in order. Within the next 2 weeks, I should be an active trader.
This week:
reread Understanding Options by Michael Sincere (writing covered calls, managing covered calls)
look for 10 stocks with profitable covered calls
find 3 blogs that I can follow
This week:
reread Understanding Options by Michael Sincere (writing covered calls, managing covered calls)
look for 10 stocks with profitable covered calls
find 3 blogs that I can follow
Probate - out of state
Inherited timeshares - annual maintenance costs, legal fees, and agent fees.
We inherited 3 weeks of a timeshare. The title work was never transferred into our name and now we want to sell the weeks. I ordered the title work for the timeshares and it has never been transferred (death was in 1996).
We talked with one attorney and the cost would be about $2500+court fees (expecting $400+). Plus the agent to sell the timeshare wants a minimum of $1500 or commission above that. That doesn't leave much left.
Today, I was on the website to Florida's circuit court. After reading a bunch of statutes, do believe that we can represent ourselves. I sent an email to the probate department of the county and...
I'll keep you posted.
We inherited 3 weeks of a timeshare. The title work was never transferred into our name and now we want to sell the weeks. I ordered the title work for the timeshares and it has never been transferred (death was in 1996).
We talked with one attorney and the cost would be about $2500+court fees (expecting $400+). Plus the agent to sell the timeshare wants a minimum of $1500 or commission above that. That doesn't leave much left.
Today, I was on the website to Florida's circuit court. After reading a bunch of statutes, do believe that we can represent ourselves. I sent an email to the probate department of the county and...
I'll keep you posted.
2009 Annual Report
Happy to say that I have my income taxes done. I'm calculating the figures to see if we met our goals:
- age x income/10 = average accumulator of wealth x 2 = our target (from book Millionaire Next Door)
- 20% savings contributions (retirement, added cash value in insurance, principal reduction of mortgage, and education savings)
- 21% of annual income from passive sources (net rental income, dividend, capital gains, & interest) - an age based calculation
- 10% charitable contributions to family/community
Also, the annual report should reflect our mission - financial freedom and time spent with family, a comparison of the net worth statement from 2008-2009, employment marketability...
Thursday, January 21, 2010
2010 Woohoo!
Budget for 2010. This year my budget rules are:
Actions:
Keep More Money-
1) I changed witholdings with the employer to take out less money. I can use this money during the year and not have to wait for the big refund.
2) www.jillcataldo.com took both classes 1 and 2. The first class is primary on couponing and saving groceries and personal products. Class 2 focuses on saving everything else. For example, notification on Old Navy's twice a year sale 50% off clearance prices. And www.retailmenot.com.
3)organization - I need to know what I have and what I need so I'm not just buying. For example, I keep my kids' next year clothes in banker boxes. I made a list of what I have and what I need and taped it to the front of the box for each kid. I have a copy of the list inside my glove compartment so that I have it for garage sales and clearance sales. Meijers has crazy deals on underwear and socks. I shop Penniwise and other resale stores for clothes.
4)sharing information - http://debtproofliv.meetup.com/111/ We had our first meeting of the year and wow! It is nice to find out ways other people save money. I didn't know that many of the Chicagoland libraries have discounts for 72 museums http://www.museumadventure.org/museums.php Summer activities and entertainment at much lower costs without paying membership fees. One of the members said to join http://www.mycokerewards.com/home.do. Another mentioned, cell phone service through AT&T uses company FAN codes for discounts. www.restaurant.com has many gift certificates with promo codes for 80-90% off. I have been using these restaurant certificates for personal use. One of the members has been giving them as gifts. Summer camp or activities for kids - a suggestion vacation bible school. Lower energy prices through Nicor switch gas provider to http://www.ambitenergy.com/. Mulch through Steve Piper Landscaping in Aurora...Wow 1/2 the price from Sids. Have insurance auto and home repriced.
5)Use the services that are being paid for..i.e. We have a YMCA membership. It didn't get much use last year and I wanted to cancel it. We decided to keep a log of the number of times that it is used. If it is less than $5/visit, we will keep it. So far this month $6.81/visit, projected to be $3.26/visit.
What do I do with earnings over 40 hours:
note -husband is hourly not salary and does not receive vacation pay so priorities:
- 1 income at 40 hours per week
- calculate all expenses on a weekly basis (excel spreadsheet)
- save 10% of income
- log all expenses (notebook for me...I'm not a techy)
- envelop system - cash based
- action plan for expenses (how to keep prices low through brainstorming i.e. gifts, entertainment, childcare)
Actions:
Keep More Money-
1) I changed witholdings with the employer to take out less money. I can use this money during the year and not have to wait for the big refund.
2) www.jillcataldo.com took both classes 1 and 2. The first class is primary on couponing and saving groceries and personal products. Class 2 focuses on saving everything else. For example, notification on Old Navy's twice a year sale 50% off clearance prices. And www.retailmenot.com.
3)organization - I need to know what I have and what I need so I'm not just buying. For example, I keep my kids' next year clothes in banker boxes. I made a list of what I have and what I need and taped it to the front of the box for each kid. I have a copy of the list inside my glove compartment so that I have it for garage sales and clearance sales. Meijers has crazy deals on underwear and socks. I shop Penniwise and other resale stores for clothes.
4)sharing information - http://debtproofliv.meetup.com/111/ We had our first meeting of the year and wow! It is nice to find out ways other people save money. I didn't know that many of the Chicagoland libraries have discounts for 72 museums http://www.museumadventure.org/museums.php Summer activities and entertainment at much lower costs without paying membership fees. One of the members said to join http://www.mycokerewards.com/home.do. Another mentioned, cell phone service through AT&T uses company FAN codes for discounts. www.restaurant.com has many gift certificates with promo codes for 80-90% off. I have been using these restaurant certificates for personal use. One of the members has been giving them as gifts. Summer camp or activities for kids - a suggestion vacation bible school. Lower energy prices through Nicor switch gas provider to http://www.ambitenergy.com/. Mulch through Steve Piper Landscaping in Aurora...Wow 1/2 the price from Sids. Have insurance auto and home repriced.
5)Use the services that are being paid for..i.e. We have a YMCA membership. It didn't get much use last year and I wanted to cancel it. We decided to keep a log of the number of times that it is used. If it is less than $5/visit, we will keep it. So far this month $6.81/visit, projected to be $3.26/visit.
What do I do with earnings over 40 hours:
note -husband is hourly not salary and does not receive vacation pay so priorities:
- make sure all overages go to expenses/envelopes to meet budget
- have funds available to cover expenses due to weekend getaways, vacation, and sick days
- set aside savings for deductibles: auto, homeowners, medical
- replacement costs - if necessary cost to replace vehicle, furnace, water heater, air conditioner
- net worth diversification - liquidity, investments, and real estate, and liability reduction
HAPPY NEW YEAR!
Subscribe to:
Posts (Atom)