Money-Saving Moving Marysville Mom

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

Thinking Ahead… September 13, 2010

Filed under: Shopping Philosophy,Stewardship,Stretching the Dollar — swingingsarr @ 9:53 pm

As I go through life, the more I think about “getting through” and making it, I see the great need to think ahead.  I talk about thinking ahead when I am teaching piano-“always look ahead a couple of beats”, or “is this a busy week, I’ll have to squeeze my practicing in before we go on our extra long weekend”, etc…  I have to think ahead when I take my kids out: “do I have snacks? Are we going to run into a nap time? Do I have the money I need?”, etc…  The more we think ahead, the less we’ll spend.  We’ll know better how to respond in different situations.  If I think ahead, I’ll plan the meal for the day, may be before I leave in the morning. If I’ll be out or busy, and then I may put a chicken in the crock pot, make lunches, etc…

Who said this, I don’t know?  Fail to plan, and  you plan to fail.

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How Do You Get Out of Debt?

Filed under: Shopping Philosophy,Stewardship,Stretching the Dollar,Useful Info — swingingsarr @ 9:46 pm

How do you get in debt?  One dollar at a time.

How do you get out of debt?  One dollar at a time.

It’s amazing how LITTLE things can really add up.  Once I was at a store with a person who has massive amounts of debt.  We walked by some bags that were on clearance for $2, and he (the generic he) said, “oh, I really need a bag, so I’ll get one.”  This was years ago, and I wasn’t strong enough at the time to say, “that’s a great deal, but don’t you already have some at home?  You don’t NEED a new bag.”  Just because something is on sale, doesn’t mean it needs to be purchased by you.  SOMETIMES it does, but not always.  Think, “does this purchase honor the Lord?”. Think this with EVERYTHING you buy.  Col 3:17 “And whatever you do, in word or deed, do everything in the name of the Lord Jesus, giving thanks to God the Father through him.”

 

Resisting the Urge to Buy August 13, 2010

Filed under: Shopping Philosophy,Stewardship — swingingsarr @ 4:36 pm

Provided by the state director of AARP in the Everett Herald, 4/22/10:

Resisting the urge to buy

-Make a list.

-Pay cash.

-Leave the kids at home.

-Clear your mind.

-Make quick trips.  The longer you stay in a store, the more likely you are to spend more.

So some of these ideas aren’t realistic.  I can’t always leave my kids home when shopping, but I do exercise the right to say “no”.

Also I had a conversation earlier this week about paying cash.  It’s great to pay cash, but make sure you don’t carry too much cash with you.  I call it “painting yourself into a corner”.  Carry a small amount of cash with you.  The more cash you have, the more likely you are to spend.  Also, only keep a certain amount of money in your debit account.  We keep $150 for every 2 1/2weeks.  That’s for gas and other incidentals.  We only fill up gas every 2 1/2-3 weeks (short commutes).  This works for us.  You need to find what works for you.

 

Shopping and Saving Philosophy March 9, 2010

Filed under: Shopping Philosophy,Stretching the Dollar — swingingsarr @ 11:19 pm

This excerpt came from an e-mail response I wrote to a friend today who was inquiring about saving money grocery shopping:

I stock and save.  I try not to put myself in a position that I need something right away (except for perishables).  As soon as I  start using the last of something, I make sure I am on the look out for the product at a good price.  And really, I try not to even get to that point.

Think ahead (I say this is the life of a mom).  What are you having for dinner?  Can you make 2 and freeze one?  Can you prepare it the night before, so there is no temptation to eat out?

I see what’s on sale in the ads this week and see if I can use them.  For instance, when I see a whole chicken on sale, I’ll crock pot it, and use that for one meal w/potatoes, and other veggies.  Then I shred the chicken and use it for something else the next day, chicken enchiladas, chicken tacos, chicken pot pie, chicken soup, the ideas are endless…

 

Think about it… March 6, 2010

Filed under: Shopping Philosophy,Stretching the Dollar — swingingsarr @ 10:27 pm

It’s not how much you have; it’s what you do with what you have.  I love this.  There are no excuses.  It doesn’t matter if it’s time or $…

 

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.

 

The 21 Day Financial Fast & Posting January 26, 2010

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…