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.

 

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.”

 

Dollar Tree May 27, 2010

Filed under: Stretching the Dollar,Useful Info — swingingsarr @ 10:42 pm

So a few weeks ago I went to a “Dollar Tree” by the Safeway that just opened up.  I don’t know exactly when it opened up, but overall I was impressed.  I am not always excited about dollar stores because the quality of the items can be questionable, so I might go in once a year or so.   And yes, there were some sub-standard products I wouldn’t ever buy, but there was also some merchandise that was of value.  They carried some Crest and different name-brand detergents.  I would go there to buy balloons, gift bags, and SOME storage containers.  I think it’s a great place to go buy gifts for a child’s birthday or fun little holiday celebration gifts.  Their inventory changes every week, so you can’t count on everything being there all the time.  I bought 7 items, 4 of which were for storage, a “Cars” puzzle for the kids, “Goody” poneytail holders, and a package of chocolate graham cookies.  Fun and good value!  So friends, if you are in the area, I would stop by.

 

$-Saving Friend & Blog April 14, 2010

Filed under: Stretching the Dollar — swingingsarr @ 8:57 pm

So, I have in the recent past met with my friend Dawn B.  I love learn about saving $ from others, and she is one from whom to learn.  She is AMAZING with using coupons and saving $.  She shared many web-sites/blogs with me, and this is my favorite $-saving blog: http://thekrazycouponlady.com/

What I love about this blog is the ladies give scenarios for saving money when there are different “Catalina” deals, basically when you get those annoying coupons for discount oil changes when you get your receipt at the check out.  Well, sometimes they spit out coupons for straight $ off your next purchase if you buy the “right” stuff. They also pair coupons up with the sales, and they even include Fred Meyer.  Anyway, I’ve now started following the “Krazy Coupon Lady”.  I feel like a novice saving-$ when I hear about all these people and what they are doing.

I’ve also been excited these days with some different people that I’ve talked to about saving $, and how they are getting into it and how “addicting” it can be.  It can be really fun.  It takes a little time, but it’s worth it-I think.  Here it is Wed. night and I haven’t even looked at this week’s new ads or organized my coupons since being on a trip at the end of March.  I better get on it…

 

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 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…