A Little Trick to Save On Produce

by JTrefry on September 1, 2010

I learned a little something a while ago from a little old lady savvy senior citizen who didn’t even speak English.  I was in the produce section, picking up some vegetables, and saw a lady with a shopping basket nearly full of bagged carrots.  (Maybe she was a rabbit lady – like a cat lady with 40 cats, but rabbits?  I don’t know… ) I thought it was odd, but went about my business.  [click to continue…]

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Everyday Budgeting & Money Savings Tips (Vol. 4)

by kbarrett on August 30, 2010

This is the fourth post in a series of five that will focus on saving money in the areas where you spend the most…

Personal insurance and retirement

You might be tempted to cut back on your 401(K) contributions to pay off debt, but that’s not a good idea, if you can possibly avoid it. Most companies with 401(K) plans offer matching funds, so failing to contribute means you lose out on free money. Here are better areas to look for savings:

  • Consider refinancing your term life insurance; rates have dropped in the past decade so you might be able to qualify for a lower premium
  • If you have a long-term disability policy, investigate the savings if you opt for a longer waiting period to reduce premiums (if you have an emergency fund)
  • Suspend contributions to annuities and other accounts that don’t offer matching funds or tax breaks

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The Barter System

August 26, 2010

Before there was money, there was the barter system.  I’m not sure how systematic it actually was.  From my understanding, it basically worked like this…  If you needed something, you had to trade for it.  It was up to the individuals involved to decide the values of things.

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Everyday Budgeting & Money Saving Tips (Vol. 3)

August 23, 2010

This is the third post in a series of five that will focus on saving money in the areas where you spend the most…
Food
Dining out utilizes nearly half the average family’s food expenditures, so eating in more often is one of the fastest ways to trim your food budget. Other ways to control costs include:

Bring [...]

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Knock, Knock. Who’s There? Identity Theft!

August 20, 2010

Your home is your castle, which makes you a king or queen. And royalty can pretty much do whatever they want, right?
Especially something as normal as putting your stuff in a place that’s convenient for you.
If I don’t put my keys on my converted-candle-holder-to-key-holder-metal-meditating figure every time I walk through my apartment door there’s a [...]

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7 Ways to Save on Back to School Shopping

August 19, 2010

1. Don’t follow the supply list strictly. Use your own logic and consult your kids about which supplies are most important. I remember being in grade school and hardly ever using about 25% of the stuff my mom bought me.
2. Recycle old supplies. Your kids might not have used some of their old supplies, and [...]

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Discounts for All!

August 17, 2010

If you are a student, teacher or employee, there are many discounts out there to take advantage of which you may be unaware. It never hurts to be your own advocate and ask or do a little research to receive a few discounts here or there. After doing some research myself and hearing of many [...]

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Hobbies That Make You Money

August 16, 2010

Sometimes, saving money is not good enough to keep your debts at bay, and make ends meet. A part time job is always a solution, but what if there was a better way? A way that you would enjoy?
When I first sat down to write this post, I thought I would just create a list [...]

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Needs vs. Wants (vs. Ponies?)

August 9, 2010

When it comes to personal finances, you may have heard the term “needs and wants” thrown around.  What we need and what we want can be two very different things. But what is a want, and what is a need?  It’s a very subjective question.  For people on a budget, the hard part is determining [...]

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Everyday Budgeting & Money Savings Tips (Vol. 2)

August 7, 2010

This is the second post in a series of five that will focus on saving money in the areas where you spend the most…
Transportation
Buying used cars and driving them for years is a great way to reduce your lifetime transportation expenses.  For short-term ways to reduce your transportation costs, try the following:

Raise the deductibles [...]

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