Money-Saving Moving Marysville Mom

It's not how much you have; it's what you do with what you have.

The Checkbook January 29, 2010

Filed under: Shopping Philosophy,Useful Info — swingingsarr @ 1:16 pm

I got a couple of comments about the 21-Day Financial Fast and going cash only for a while.  Yes, the debit card works like cash.  That wasn’t a big deal, if you have a healthy respect for $.  But if you struggle with $, may be the “card” part of the debit card can a bit tempting.

I do not support ONLY going on-line to look at your bank statement to get an accurate amount of $ in your account. Bank accounts are like revolving doors, always having $ going in and out.  Some times you’ll make a transaction with a small business that won’t go through for a week or more.  I’ve written checks that haven’t gone through for a couple of months.  I HIGHLY recommend to keep an accurate check book that is current, and cross reference with it on-line or with a monthly paper statement (I still like paper for some things).  Again, I HIGHLY disagree with looking on-line to find out how much $ you have in your bank account.  This is the easiest way to bounce your checking account.

I keep my checkbook up to date by not leaving a store and/or parking lot until I do the math of my transaction.  I want to know how much $ I can spend before going to the next store.  Then when I get home, I put the transaction in our money program, “Money”, so I can cross reference the account with that.  Then every month I take the paper bank statement and highlight my checkbook to see what has and hasn’t gone through.  Sounds like a lot of work, but we haven’t had any major checking account troubles, and when you get in the groove, it becomes pretty quick.

I encourage you to be responsible with your $, and to be a good steward with the resources the Lord has given you.  Colossians 3:23 Whatever you do, work heartily, as for the Lord and not for men, 24 knowing that from the Lord you will receive the inheritance as your reward. You are serving the Lord Christ.

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Free Fit Day On-line Exercise/Food Journal January 26, 2010

Filed under: Fitness,Freebie(s) — swingingsarr @ 3:29 pm

The Everett Herald had a short article about a neat web-site, http://www.fitday.com/

It is a free exercise and food journal.  It’s so great to have some form of accountability when trying to get in shape and eat well.

 

FM Deal not in the Ad

Filed under: Deals — swingingsarr @ 2:18 pm

Today I was at Fred Meyer along w/N.R., (but not at the same time) and they had their whole chicken Foster Farm fryers for .49/lb.  I’ve NEVER seen that before!  It’s not in the ad, and it looks like it may end on Thurs. perhaps…Anyway, if you are there, you might want to check it out. You have to use or freeze the chicken by Thurs.

Thanks N.R. for the reminder.  I came home and put my chicken right in the freezer and forgot about it!

 

The 21 Day Financial Fast & Posting

Filed under: Fitness,Shopping Philosophy,The Newspaper — swingingsarr @ 12:08 am

My favorite $ journalist, Michelle Singletary, wrote a few weeks ago in the paper about doing a 21 day fast from spending. See if you can go 21 days without using your credit card. Now of course, you HAVE to buy food and pay bills. Those things don’t necessarily, but don’t buy the extras. No restaurant food, take a break from window shopping, etc…

If and when you go back to using a credit card, remember for most people it’s much easier to spend more on the credit card because of the buy now and pay later aspect. It doesn’t hurt now. When you have to pay cash for things, it tends to be much harder to do, and the tendency is to spend less. Try it. We now buy all of our groceries with cash, no debit or credit.

Also, I haven’t posted any weekly grocery deals since November. I told myself I’d do it for a year. I hope that helped some of you learn what good prices are for certain groceries. I still want to help people save $, so I’ve basically been cutting and pasting good deals when I see them.

Some day my blog my change, and I may post grocery deals again and add different components. I actually thought of changing my blog name from Money-Saving Marysville Mom to Money-Saving Moving Marysville Mom and incorporating a fitness aspect to it because I know it’s important to be a good steward of EVERYTHING the Lord has given including our bodies, $, time, etc… Well see…

 

The Experiment: Averages January 25, 2010

Filed under: Shopping Philosophy,Stretching the Dollar — swingingsarr @ 11:43 pm

WOW, this is a bit old, but I said I was going to post this, and here it is. This has been floating in my purse for FIVE months. Yike!! So I have taken Sept. & Oct. and averaged my grocery totals. Some totals include toilet paper and toothpaste.

From my 8/30/09 post:

“Grocery Bills:

Sept. 2007 $42/week

Sept. 2008 $55/week

I deduced that the $13 increase/week came from 3 factors:

  1. us having one more (small) mouth to feed-albeit a VERY minimal increase
  2. us desiring to eat healthier and buying more fruits/veggies & more “all natural” items-not all the time, but sometimes, ie. Maple/Agave Syrup instead of the high fructose corn syrup-based Breakfast Syrups
  3. the ripple effect-an increase in the cost of all groceries due to the increase in gas prices-I believe this was the biggest factor

My prediction for Sept. 2009 is that we’ll buy less than $55/week because the price of gas had come down. Of course it’s on the rise again, so we’ll see…”

So the results are in:

week 1 $31.18

week 2 $59.88

week 3 $81.40

week 4 $139.26 ($46.50 in coffee alone-so $92.76 w/o coffee)

week 5 $39.11

week 6 $32.64

week 7 $65.87

week 8 $89.14

Add all 8 weeks up, and it comes to $538.48. Divide by 8 =$67.31/week average. I did the statistician thing to do and threw out the highest ($139.26 ) and lowest ($31.18)weeks, and the average of those 6 weeks was $61.34. I also took the average of the 8 weeks, subtracting the coffee expense of $46.50 in week 4, and that average was $61.50, so I think it’s safe to say that we averaged over $61 last year.

We are spending more because we are buying more fresh produce and trying to eat healthier, so there it is…

I encourage you to record what you are spending on groceries/week. It is really telling. We think one thing, and another may be happening.  Don’t cheat yourself.  This doesn’t help you!!  Where is all of your $ going?  Can you account for it all?  More later…

 

Free Kashi Sample

Filed under: Freebie(s) — swingingsarr @ 11:38 pm

Go here to get a free sample of Kashi Cereal or granola bars.

 

Free Taco Bell Coupon January 14, 2010

Filed under: Freebie(s),Restaurant Specials — swingingsarr @ 11:17 pm

GO HERE to print a coupon for a free Taco Bell Fresco Taco. Only 1 million can be printed and redeemed, so go before they are gone…Thanks Frugal Girls!