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Home > Archive: May, 2006
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Archive for May, 2006
May 31st, 2006 at 05:16 pm
0Found an interesting article when I was googling on daily grocery shopping.
[url]www.burlingtonfreepress.com/apps/pbcs.dll/article?AID=/20050529/LIVING/50726006&theme=AUTO[/url]
The gist of it is, we fatties would weigh less if we walked to the store instead of driving. There's an Eckerd very close by, and the IGA would even be doable if I had one of those grocery carts. Post office, doable. Library, very doable. I don't mind walking, and the area is safe. So why don't I do it?
The answer is, "What would people think?"
If we lived in a city with good public transit and few parking spaces, where lots of people didn't have cars, no problem. If we lived in an upscale, intellectual town or a college town, people would just think I was being ecological.
But we live in an older suburban area with several seedy apartment complexes nearby. Everyone drives everywhere. Mothers are so worried about their kids walking, they drive them to the school bus stop. If you aren't a total loser, YOU HAVE A CAR, even if it's only an ancient Nova.
When you see someone around here walking with shopping bags, or you see an adult riding a bike on the main road through town, you assume one of the following:
They've had too many DUI's and have lost their license.
They haven't lost their license yet, but their insurance has gone so high they can't afford to pay it.
Their car was repossessed.
They live in one of the seedy apartments.
They probably don't work, because how would they get to a job without a car.
At the very least, they must be very, very down on their luck.
Now, they might be doing it for the exercise, or the environment, or their car might be in the shop. They might be highly disciplined financially, and are saving money for a house, or graduate school or a cruise. But that's not what's going to pop into most folks' minds.
Well, I've gotten used to going to Aldi's, and buying greeting cards at the dollar store. I've admitted to people we have the $10 a month cable tv. I suppose I could learn to walk more places and not care what people think. ;)
This week, I'll try walking to either Eckerd's or the library. asdf123
Found an interesting article when I was googling on daily grocery shopping.
Text is www.burlingtonfreepress.com/apps/pbcs.dll/article?AID=/20050529/LIVING/50726006&theme=AUTO and Link is www.burlingtonfreepress.com/apps/pbcs.dll/article?AID=/20050...
The gist of it is, we fatties would weigh less if we walked to the store instead of driving. There's an Eckerd very close by, and the IGA would even be doable if I had one of those grocery carts. Post office, doable. Library, very doable. I don't mind walking, and the area is safe. So why don't I do it?
The answer is, "What would people think?"
If we lived in a city with good public transit and few parking spaces, where lots of people didn't have cars, no problem. If we lived in an upscale, intellectual town or a college town, people would just think I was being ecological.
But we live in an older suburban area with several seedy apartment complexes nearby. Everyone drives everywhere. Mothers are so worried about their kids walking, they drive them to the school bus stop. If you aren't a total loser, YOU HAVE A CAR, even if it's only an ancient Nova.
When you see someone around here walking with shopping bags, or you see an adult riding a bike on the main road through town, you assume one of the following:
They've had too many DUI's and have lost their license.
They haven't lost their license yet, but their insurance has gone so high they can't afford to pay it.
Their car was repossessed.
They live in one of the seedy apartments.
They probably don't work, because how would they get to a job without a car.
At the very least, they must be very, very down on their luck.
Now, they might be doing it for the exercise, or the environment, or their car might be in the shop. They might be highly disciplined financially, and are saving money for a house, or graduate school or a cruise. But that's not what's going to pop into most folks' minds.
Well, I've gotten used to going to Aldi's, and buying greeting cards at the dollar store. I've admitted to people we have the $10 a month cable tv. I suppose I could learn to walk more places and not care what people think. 
This week, I'll try walking to either Eckerd's or the library.
Posted in
Mindset
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6 Comments »
May 31st, 2006 at 12:20 pm
0It's that time again--almost to the end of my 4-week "month" of May (ending June 3). Again, not happy with how I've managed my Everyday Expenses budget.
So I've come up with a money game to try in June: Each day I have $15 to spend, and can only go over if there's a surplus left from previous days.
My natural tendency is to stock up at the beginning of the month, when there's finally a new batch of money to spend. I'm just not very good at estimating a month ahead what we're really going to need or what's going to happen. Work schedules change, people get sick, cars break down-- and then I wish I had cash on hand for pizza, instead of a freezer full of pork chops.
Also, when sales are too good to pass up, I can't pass them up, and end up having too much money tied up in toilet paper or something.
This way I'll be forced to pace myself through the month, not go overboard on sales, and I'll always have the option of using part of the day's $15 for take-out or some forgotten item, if necessary.
asdf123
It's that time again--almost to the end of my 4-week "month" of May (ending June 3). Again, not happy with how I've managed my Everyday Expenses budget.
So I've come up with a money game to try in June: Each day I have $15 to spend, and can only go over if there's a surplus left from previous days.
My natural tendency is to stock up at the beginning of the month, when there's finally a new batch of money to spend. I'm just not very good at estimating a month ahead what we're really going to need or what's going to happen. Work schedules change, people get sick, cars break down-- and then I wish I had cash on hand for pizza, instead of a freezer full of pork chops.
Also, when sales are too good to pass up, I can't pass them up, and end up having too much money tied up in toilet paper or something.
This way I'll be forced to pace myself through the month, not go overboard on sales, and I'll always have the option of using part of the day's $15 for take-out or some forgotten item, if necessary.
Posted in
Food Costs and Healthy Eating,
Budget Planning
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1 Comments »
May 29th, 2006 at 12:56 pm
0The worst part isn't what you'd think. Generic claritin does a pretty good job of controlling the sneezing and runny nose. What it can't do is give me my energy back. I feel like I've been unplugged. Or like deflated balloon. I don't feel like I'm ever fully awake or rested, no matter how much I sleep.
If I hadn't been through this for years, I'd think I had mono or something. But I know from experience it's just a matter of waiting it out. When things in the environment change, I'll feel better.
What this has to do with money--I just don't have the energy to run around and take advantage of sales and things. I went to only one grocery store this weekend, and did the best I could there. I ordered socks and nylons online from Just My Size because I dont' have the energy to run out shopping. I'm not cooking much; we've had takeout two days in a row.
I figure it's more important to reserve my energy for higher-priority, higher-stakes things like getting out to do a $50 test drive tomorrow, and getting out to the election job training.
OTOH, it's a good time to do easy stuff like being online, and catching up on my reading. For example, I've gone through Flash's food company contacts and signed up for some newsletters I never knew about.
Everyone have a safe and happy holiday! And wish me a change in the weather. asdf123
The worst part isn't what you'd think. Generic claritin does a pretty good job of controlling the sneezing and runny nose. What it can't do is give me my energy back. I feel like I've been unplugged. Or like deflated balloon. I don't feel like I'm ever fully awake or rested, no matter how much I sleep.
If I hadn't been through this for years, I'd think I had mono or something. But I know from experience it's just a matter of waiting it out. When things in the environment change, I'll feel better.
What this has to do with money--I just don't have the energy to run around and take advantage of sales and things. I went to only one grocery store this weekend, and did the best I could there. I ordered socks and nylons online from Just My Size because I dont' have the energy to run out shopping. I'm not cooking much; we've had takeout two days in a row.
I figure it's more important to reserve my energy for higher-priority, higher-stakes things like getting out to do a $50 test drive tomorrow, and getting out to the election job training.
OTOH, it's a good time to do easy stuff like being online, and catching up on my reading. For example, I've gone through Flash's food company contacts and signed up for some newsletters I never knew about.
Everyone have a safe and happy holiday! And wish me a change in the weather.
Posted in
Health care,
Money, time and energy,
Doing Deals
|
0 Comments »
May 27th, 2006 at 03:22 pm
0Does anyone else remember Sex and the Single Girl by Helen Gurley Brown? :)
She has a chapter on money, and I always remember her saying to make sure and spend your money where you'll get the most Happiness Units in return.
Well, it's corny but it's a good point. I'm looking over my spending for the past year, trying to see where I haven't gotten enough happiness units for the money. Those are places that will be easy to cut.
The first obvious category is book/cd/dvd buying (exclusive of Netflix). I spent $132 and the shocking thing is, all but $33 of this was on mailing costs. Mostly for various swapping programs, which were supposed to save me money. The fact is, I sent a lot of stuff out and so far have gotten little in return.
I haven't bought a NEW book in over a year. I bought one DVD that was so obscure even Netflix didn't have it. The rest of the $33 was for used books, most of which I bought to try and sell (unsuccessfully).
So, although $132 is that much in the whole scheme of things, it really didn't buy me much of anything.
I'm going to budget $84 in the coming year (36% reduction), and try to get a lot more for the money. First priority will be trying to get something for the credits I've already earned at the swap sites.
asdf123
Does anyone else remember Sex and the Single Girl by Helen Gurley Brown? 
She has a chapter on money, and I always remember her saying to make sure and spend your money where you'll get the most Happiness Units in return.
Well, it's corny but it's a good point. I'm looking over my spending for the past year, trying to see where I haven't gotten enough happiness units for the money. Those are places that will be easy to cut.
The first obvious category is book/cd/dvd buying (exclusive of Netflix). I spent $132 and the shocking thing is, all but $33 of this was on mailing costs. Mostly for various swapping programs, which were supposed to save me money. The fact is, I sent a lot of stuff out and so far have gotten little in return.
I haven't bought a NEW book in over a year. I bought one DVD that was so obscure even Netflix didn't have it. The rest of the $33 was for used books, most of which I bought to try and sell (unsuccessfully).
So, although $132 is that much in the whole scheme of things, it really didn't buy me much of anything.
I'm going to budget $84 in the coming year (36% reduction), and try to get a lot more for the money. First priority will be trying to get something for the credits I've already earned at the swap sites.
Posted in
Books,
Entertainment,
Budget Planning
|
2 Comments »
May 26th, 2006 at 02:28 pm
0Can't believe it's been a whole year! I have to say, I am feeling much less stressed this year than last, and being here has a lot to do with it.
When I look back in Quicken, things aren't dramatically better than they were last year. But they're going in the right direction, I'm still learning a lot, and I feel much more in control of our finances.
Here's a comparison, year to year for our liquid net worth (just checking, savings, gift cards and cc debt).
May 26, 2005 - Assets $3665, cc debt $3756, net MINUS $91
May 25, 2006 - Assetts $4625, cc debt $2948, net PLUS $1677.
Total improvement over the year, $1768, or about $147 a month. Pretty sad, really. But an improvement, and I'll take it.
Haven't come up with any specific goals yet, but I'm psyched to tweak things a bit more and do even better in the coming year.
asdf123
Can't believe it's been a whole year! I have to say, I am feeling much less stressed this year than last, and being here has a lot to do with it.
When I look back in Quicken, things aren't dramatically better than they were last year. But they're going in the right direction, I'm still learning a lot, and I feel much more in control of our finances.
Here's a comparison, year to year for our liquid net worth (just checking, savings, gift cards and cc debt).
May 26, 2005 - Assets $3665, cc debt $3756, net MINUS $91
May 25, 2006 - Assetts $4625, cc debt $2948, net PLUS $1677.
Total improvement over the year, $1768, or about $147 a month. Pretty sad, really. But an improvement, and I'll take it.
Haven't come up with any specific goals yet, but I'm psyched to tweak things a bit more and do even better in the coming year.
Posted in
4-week reports
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8 Comments »
May 25th, 2006 at 01:32 pm
0We finally got our first bill from the lawn-mowing guy, and he forgot to bill us for the first mowing of the season. So I wrote him a note about it, and enclosed payment for all 3 mowings.
If I didn't pay him what I knew I owed, I'd feel terribly guilty. I also do things like give extra change back to cashiers when they make a mistake in my favor--and certain people have laughed at me for it all my life!
I'm no angel, though--if it were some big corporation that made a mistake, I probably wouldn't say a word. ;)
But when the cashier is right in front of me, a person who will get in trouble if her drawer is short, I have to give the money back. And the lawn-mowing guy is a nice fellow who's just trying to make a living so I can't stiff him either.
I wonder what most people do. asdf123
We finally got our first bill from the lawn-mowing guy, and he forgot to bill us for the first mowing of the season. So I wrote him a note about it, and enclosed payment for all 3 mowings.
If I didn't pay him what I knew I owed, I'd feel terribly guilty. I also do things like give extra change back to cashiers when they make a mistake in my favor--and certain people have laughed at me for it all my life!
I'm no angel, though--if it were some big corporation that made a mistake, I probably wouldn't say a word.
But when the cashier is right in front of me, a person who will get in trouble if her drawer is short, I have to give the money back. And the lawn-mowing guy is a nice fellow who's just trying to make a living so I can't stiff him either.
I wonder what most people do.
Posted in
Mindset
|
8 Comments »
May 25th, 2006 at 12:56 pm
0It was last November I signed up to work the elections. In January I got a letter with a card to mail in, saying I was still interested. Then, nothing.
I came across the January letter last week while I was going through papers, and almost threw it away. I figured it was a lost cause. But then I thought, why not at least call and find out what happened?
Long story short, the guy I talked to was almost sure they could use me somewhere--and not way off in November, but in June, for the primary! There is training next week, for which I've taken a vacation day. I'm just waiting to hear which session they're putting me in. Then, if all goes well, they'll let me know where I'll be sent to work on June 6.
I feel like I should create another category for blog entries about patience and perseverance! So much of what I've been doing to make or save money just seems to take a long time; lots of waiting and follow-up.
asdf123
It was last November I signed up to work the elections. In January I got a letter with a card to mail in, saying I was still interested. Then, nothing.
I came across the January letter last week while I was going through papers, and almost threw it away. I figured it was a lost cause. But then I thought, why not at least call and find out what happened?
Long story short, the guy I talked to was almost sure they could use me somewhere--and not way off in November, but in June, for the primary! There is training next week, for which I've taken a vacation day. I'm just waiting to hear which session they're putting me in. Then, if all goes well, they'll let me know where I'll be sent to work on June 6.
I feel like I should create another category for blog entries about patience and perseverance! So much of what I've been doing to make or save money just seems to take a long time; lots of waiting and follow-up.
Posted in
Money, time and energy,
Working
|
0 Comments »
May 23rd, 2006 at 01:29 pm
0Try paying for coupons. (Actually, the sellers all specify you are paying for the service of having the coupons clipped rather than for the coupons themselves. Legal issue, I guess.) I'm so pleased with how this has been going for me lately, I figured I'd post about it.
I set up a lot of saved searches on Ebay, and each morning I get an email with links to auctions that match the search. (I also have searches set up for gift cards and other products I'm looking for.)
This morning I saw a lot of (6) $1 coupons for cat food our cat likes. I snapped them up immediately for $1.19. If I'm figuring this right, I'll be saving $4.81 by spending the $1.19, which means I've increased my purchasing power by 404%.
I've learned to be careful about getting more than I can use before the expiration date. I've seen lots of 20 of this same coupon, but passed on them because I'd never use them in time. 6, I will use.
I also use a non-Ebay clipping service, where you can choose individual coupons in the specific quantities you need. I'm using [url]www.cnfcentral.com[/url] (formerly Dab's Forms) because you don't have to get multiples of each coupon you choose. If I only get Worcestershire sauce once a year, I don't want to be forced into buying 5 coupons for it. But if you want multiples anyway, there are many other sources. A good discussion on them is here: [url]www.dealagogo.com/showthread.php?t=31959[/url]
Since I'm getting so much at Aldi now, there are only a limited number of name brand items I can use coupons for. This targeted approach gives me a quick way to find the specific ones I can use.
asdf123
Try paying for coupons. (Actually, the sellers all specify you are paying for the service of having the coupons clipped rather than for the coupons themselves. Legal issue, I guess.) I'm so pleased with how this has been going for me lately, I figured I'd post about it.
I set up a lot of saved searches on Ebay, and each morning I get an email with links to auctions that match the search. (I also have searches set up for gift cards and other products I'm looking for.)
This morning I saw a lot of (6) $1 coupons for cat food our cat likes. I snapped them up immediately for $1.19. If I'm figuring this right, I'll be saving $4.81 by spending the $1.19, which means I've increased my purchasing power by 404%.
I've learned to be careful about getting more than I can use before the expiration date. I've seen lots of 20 of this same coupon, but passed on them because I'd never use them in time. 6, I will use.
I also use a non-Ebay clipping service, where you can choose individual coupons in the specific quantities you need. I'm using Text is www.cnfcentral.com and Link is www.cnfcentral.com (formerly Dab's Forms) because you don't have to get multiples of each coupon you choose. If I only get Worcestershire sauce once a year, I don't want to be forced into buying 5 coupons for it. But if you want multiples anyway, there are many other sources. A good discussion on them is here: Text is www.dealagogo.com/showthread.php?t=31959 and Link is www.dealagogo.com/showthread.php?t=31959
Since I'm getting so much at Aldi now, there are only a limited number of name brand items I can use coupons for. This targeted approach gives me a quick way to find the specific ones I can use.
Posted in
Food Costs and Healthy Eating,
Money, time and energy,
Doing Deals
|
3 Comments »
May 20th, 2006 at 08:02 pm
0I've been thinking about this for months, and finally took the plunge, for many reasons.
There was a good deal at Staples for the model I'd been thinking about, but with much more storage than I'd ever hoped for. It came to a little over $58. Creative MuVo TX FM with 1GB of storage.(Thank you Fatwallet!)
This model should work with the downloadable audio books they have at the library where I work. (Not all models do.) It has a voice recorder, which I'd thought about buying separately for a long time anyway. You can also store data on it, so it will take the place of a USB thumb drive, which I've thought about too.
It is also a lot cheaper than getting involved with a broadband bill every month, or satellite radio. My dialup is still ok for most things, but lately for downloading radio shows it's been awful. It's supposed to be 56K but often it's been in the 30's or even 20's. This way I'll be able to download podcasts and radio shows on my dinner hour at work, and have enough to listen to for days. It should be quite a time-saver over the way I've been trying to do it.
It also may give me some brownie points at work (which one can always use). ;) My boss is disappointed that not many people are using the audiobook service. But it's hard for us on the staff to talk it up and give people instructions, if we've never used it ourselves. So in a way, I could classify part of the cost as a work expense. ;)
I'm holding off on the leafblower for now, and will use part of the Ace gc for poison ivy killer, which is a necessity right now. asdf123
I've been thinking about this for months, and finally took the plunge, for many reasons.
There was a good deal at Staples for the model I'd been thinking about, but with much more storage than I'd ever hoped for. It came to a little over $58. Creative MuVo TX FM with 1GB of storage.(Thank you Fatwallet!)
This model should work with the downloadable audio books they have at the library where I work. (Not all models do.) It has a voice recorder, which I'd thought about buying separately for a long time anyway. You can also store data on it, so it will take the place of a USB thumb drive, which I've thought about too.
It is also a lot cheaper than getting involved with a broadband bill every month, or satellite radio. My dialup is still ok for most things, but lately for downloading radio shows it's been awful. It's supposed to be 56K but often it's been in the 30's or even 20's. This way I'll be able to download podcasts and radio shows on my dinner hour at work, and have enough to listen to for days. It should be quite a time-saver over the way I've been trying to do it.
It also may give me some brownie points at work (which one can always use). My boss is disappointed that not many people are using the audiobook service. But it's hard for us on the staff to talk it up and give people instructions, if we've never used it ourselves. So in a way, I could classify part of the cost as a work expense.
I'm holding off on the leafblower for now, and will use part of the Ace gc for poison ivy killer, which is a necessity right now.
Posted in
Money, time and energy,
Entertainment,
Budget Planning,
Doing Deals,
Working
|
1 Comments »
May 19th, 2006 at 01:03 pm
0I was just looking at the gift certificate section on Ebay, and this one jumped out at me.
Someone has a $100 Whole Foods Market gift card that ends in 17 hours, and right now it's only bid up to $32 including shipping. The item number is 9521702264 if you want to check it out. asdf123
I was just looking at the gift certificate section on Ebay, and this one jumped out at me.
Someone has a $100 Whole Foods Market gift card that ends in 17 hours, and right now it's only bid up to $32 including shipping. The item number is 9521702264 if you want to check it out.
Posted in
News,
Doing Deals
|
0 Comments »
May 18th, 2006 at 07:48 pm
0Cancelled YourMusic.com. I signed up through Inbox Dollars, and was glad to get a CD that DH wanted, for $5.99. But I don't need to be spending $5.99 every month on a CD right now.
Got $5.99 credited to the Citicard. I'd ordered stuff from Roaman's that turned out to be defective and dirty. Roaman's didn't charge me for the return shipment, but they refused to refund the shipping charge on the original order. I called Citi and said I didn't think I should be stuck with $5.99 when I'd gotten absolutely nothing. They were very nice about crediting my account.
Requested my Citi rewards check for $68.
Decided to lower the amount I'm paying to HSBC from $290 down to $250 a month. I thought I could afford the $290, but now that I figure in the lawn mowing, it's obvious I can't. The account won't quite be paid off by the end of the 0% period, but I don't mind paying $10 or $15 in interest for the final couple of months. Better than feeling strapped for the next 6 months.
Found out how getting a blood test works, under our new insurance.
Subscribed to the other Sunday paper on a half-price subscription sale. Their coupons are much better; it will be well worth it.
Went to Eckerd's last night for bargains; spent $11 after $9 in coupons were taken off.
Ordered another batch of Dealpass gc's. Only have a few more months to take advantage of these; don't want to lose the opportunity.
Almost finished putting our upcoming transactions in Quicken, through the end of the year. It really helps to see our cash flow ahead of time. If we're going to run short, better to see it coming and find a solution early on. asdf123
Cancelled YourMusic.com. I signed up through Inbox Dollars, and was glad to get a CD that DH wanted, for $5.99. But I don't need to be spending $5.99 every month on a CD right now.
Got $5.99 credited to the Citicard. I'd ordered stuff from Roaman's that turned out to be defective and dirty. Roaman's didn't charge me for the return shipment, but they refused to refund the shipping charge on the original order. I called Citi and said I didn't think I should be stuck with $5.99 when I'd gotten absolutely nothing. They were very nice about crediting my account.
Requested my Citi rewards check for $68.
Decided to lower the amount I'm paying to HSBC from $290 down to $250 a month. I thought I could afford the $290, but now that I figure in the lawn mowing, it's obvious I can't. The account won't quite be paid off by the end of the 0% period, but I don't mind paying $10 or $15 in interest for the final couple of months. Better than feeling strapped for the next 6 months.
Found out how getting a blood test works, under our new insurance.
Subscribed to the other Sunday paper on a half-price subscription sale. Their coupons are much better; it will be well worth it.
Went to Eckerd's last night for bargains; spent $11 after $9 in coupons were taken off.
Ordered another batch of Dealpass gc's. Only have a few more months to take advantage of these; don't want to lose the opportunity.
Almost finished putting our upcoming transactions in Quicken, through the end of the year. It really helps to see our cash flow ahead of time. If we're going to run short, better to see it coming and find a solution early on.
Posted in
Health care,
Organizing,
Credit Cards,
Budget Planning,
Doing Deals
|
0 Comments »
May 18th, 2006 at 12:25 am
0I have a routine now for expenses that come up once a year, or even 4x a year like our property taxes. Money goes into a specific account monthly or weekly, all year round. I set up the automatic deduction once, and I only have to change the amount if the bill goes up. The beauty of it is, I don't have to remember to do anything, or have the discipline to get the money in there every time.
Looking at our upcoming cash flow, I realized things are going to be tight in our main checking account all summer. Why? Mainly, lawn mowing expenses.
This is a different kind of bill--it's around $80 a month for six months of the year, then there's no bill at all for six months. In addition, the bill hits at just the time of year we'd also like to take care of outside projects and go on day trips.
There's got to be some simple way to even these expenses up throughout the year, but I haven't quite figured it out yet. I DO know I don't want to have to remember to set up automatic deductions for six months, stop them, and restart them again. asdf123
I have a routine now for expenses that come up once a year, or even 4x a year like our property taxes. Money goes into a specific account monthly or weekly, all year round. I set up the automatic deduction once, and I only have to change the amount if the bill goes up. The beauty of it is, I don't have to remember to do anything, or have the discipline to get the money in there every time.
Looking at our upcoming cash flow, I realized things are going to be tight in our main checking account all summer. Why? Mainly, lawn mowing expenses.
This is a different kind of bill--it's around $80 a month for six months of the year, then there's no bill at all for six months. In addition, the bill hits at just the time of year we'd also like to take care of outside projects and go on day trips.
There's got to be some simple way to even these expenses up throughout the year, but I haven't quite figured it out yet. I DO know I don't want to have to remember to set up automatic deductions for six months, stop them, and restart them again. |