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Don't use coupons? Think you can't save money using... I wrote this in response (as a comment) to a comment quoted in a post on the Five Cent Nickle blog. ========================================================= Coupons are the single best way to...

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Working with credit card companies - the good, bad... A few months ago we knew we were headed into "negative" territory on our bills.  A perfect storm of events were happening and we could see what was going to happen. In our efforts to work with our...

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I paid 25c for all of this food.... 4 boxes of crackers 4 packages of cookies 2 boxes of cinnabon bars 1 hotwheel Had to throw the hotwheel in just cause I had a $1 left to "spend" from my freebie stuff!  How did I do it??? Albertson's...

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Allowances, complications, compensating for chores...... It was with surprise and well, a bit of disgust that I was recently reading a plethora of comments on a financial forum I participate in about this very subject. Let's see if I can reiterate without...

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Don't waste your energy on credit, you never need it... I love love love Trent at the Simple Dollar.  He has written for a while and has excellent advice, gives wonderful access to financial related resources and well, he's just an all around great guy (have...

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Target simply loves giving me free things :D . . . the ladies in line behind me were wowwed!

Posted on : 03-11-2009 | By : The Wife | In : Groceries

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dsc04046

Went to Target on Saturday and did the following . . .

1st Transaction –

  1. Bought 4 boxes of Kellogg’s Fiber bars @ $1.99 each
  2. Paid oop $8.14 including tax
  3. Received a $5.00 gift card (for buying the 4 pkgs bars)

2nd Transaction –

  1. 6 packages Keebler cookies
  2. 4 boxes Kellogg’s Fiber bars
  3. 3 packages Wonka candy
  4. Paid oop $0 (used some of gift card from 1st transaction)
  5. Received a $5.00 gift card (for buying the 4 pkgs bars)

3rd Transaction –

  1. 6 packages of Keebler cookies
  2. 3 packages Wonka candy
  3. 1 package M&M’s
  4. Paid oop $0 (used some of gift card 1st transaction)
  5. Still have $5.00 gift card from 2nd transaction

Total out of pocket for all 3 transactions was $8.14 plus I brought home a $5.00 gift card for future purchases.

Freedom and Happiness Quote of the week

Posted on : 02-11-2009 | By : The Wife | In : Quotes & Affirmations

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“Never let the defeat of the past rob you of the success of your future.”
~Ray Comfort

6 reasons you must regift – and why you’re a hypocrite if you don’t.

Posted on : 27-10-2009 | By : The Wife | In : Giving

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This post was inspired by Trent’s post over at The Simple Dollar on “Ethical Frugality: Regifting”. I was struck by the absurdity of people who said things like:

  • “re-gifting in any form is rude, thoughtless, and downright disrespectful.”
  • “(re-gifting) just tells me about that person. Lazy, shallow, thoughtless.”
  • “Regifting is fine when doing a “Chinese” gift exchange.”
  • ” the consensus seems to be regifting is only OK if you can plausibly lie about it “

And then of course, there is my wonderfully diplomatic, tactful response:

“For those that consider re-gifting to be gauche, wrong, whatever . . .

Have you considered that you are allowing advertising and marketing firms to form your opinions for you? That it hasn’t been until the last 40 years that most gifts weren’t necessarily new (they were usually hand made and/or remodeled/repaired re-gifted items) and . . .

That by NOT re-gifting you are conforming to consumerism, waste and landfill/environmental issues.

I find it funny that many of the same “you are an idiot if you re-gift” are also the ones that think that anyone using anything but a bike or hybrid is a drain on our natural resources. What hypocrites.”

No, tact is not my middle name. :)

Ok, here are 6 reasons why you MUST re-gift.

  1. Re-gifting gets rid of the clutter in your life you don’t love.
  2. Re-gifting gives you the opportunity to take more time and care in determining who can best use (and love) something you already have.
  3. Re-gifting leaves you more money to help those in need.
  4. Re-gifting shows you haven’t succumbed to mass advertising and marketing pressures.
  5. Re-gifting shows you aren’t influenced by consumerism.
  6. Re-gifting shows you are doing everything possible to alleviate waste and landfill issues.

The pressure to spend . . .

Posted on : 21-10-2009 | By : The Wife | In : budgeting, Money, The Journey

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Here is an element of what I was talking about in my last post – Jason over at Bible Money Matters said it much better than I did.

Avoid the Pressure to Spend.

For Sale: 2005 Chevy Trailblazer – $10995 (Post Falls, ID)

Posted on : 18-10-2009 | By : The Wife | In : dave ramsey, Debt Discussion, For Sale

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2005 Chevy Trailblazer
Dark grey exterior
Beige fabric interior
63,000 miles
A/C
CD/Radio
Roof rack
Tinted windows
Very good to excellent condition
4 wheel drive
Clean title

LOVE this vehicle but Dave Ramsey say’s SELL
$10,995 + our contribution pays off the credit union and it’s yours

KBB.com private party value
Excellent condition $11,290
Good condition $10,615

left-side-reduced

right-side-reduced

They paid ME 19c for $99.25 in groceries!

Posted on : 16-10-2009 | By : The Wife | In : Groceries, Quotes & Affirmations, Quotes & Funnies

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Say WHAT?

Albertson’s paid me 19c to shop in their store today.  They gave me 19c and $99.25 worth of groceries.

Here are the results:

20091015-albertsons-181

It takes some work, but it was so worth it.  It took approximately 30 minutes to plan out my shopping trip (multiple transactions are often required to score the best deals) and another 30 minutes to do the actual shopping.

There are things here I’ve never purchased before such as the cookie mix pouches.  I always make my cookies from scratch.  However, that still costs money.  I was paid to buy these today so I did.  We’ll be using them for nights when our small group comes over and for holiday plates of goodies.

The cereal is sort of a new thing in our family.  Because it’s expensive to buy normally and it just doesn’t fill any of my family up, I never really purchased it.  However, free food is free food and I am now using cereal as a filler food for meals.  My boys require so much food that FREE is a good thing.

Broth, again, free is a good thing.  Sweet rolls and crescent rolls – 2 served as yummy breakfast options this morning after a sleep over with a friend of theirs.  Crescents can be made into all kinds of recipes, most recently a stuffed taco recipe (yum!)

Outside of sales tax, Albertson’s and the manufacturer’s gave me 19c to shop at their store today.  My actual out of pocket for tax was $5.27 (plus the 19c they paid me).

Stopped at Walmart and picked up some free items…

Posted on : 06-10-2009 | By : The Wife | In : Free Finds/Yard Sale Finds, Groceries

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Stopped by Walmart for a couple of things I haven’t been able to find recently with coupons or cheaper else where – grabbed my Airwick $6.00 off coupons that I clipped and kept even though I never use those things, but I thought “who knows”…

Walmart had the items on sale for $6.00 and I had (4) $6.00 coupons.  Guess what I got?  Freebies!  No, I won’t use them personally, but I will be putting these $14.00 retail priced items into baskets as housewarming gifts for friends.

I love free!

Today was an excellent grocery shopping day . . .

Posted on : 06-10-2009 | By : The Wife | In : Uncategorized

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I only went to one store, although I did 3 transactions.

I must apologize in advance, i do not have a photo of today’s excursion… the camera is with my sis so no photo today… I’m sorry!!

Ok, Fred Meyer had some good sales this week.  Here’s how I did:

Item description: (Retail price / sales price / – coupons / my price – Qty )

Kraft Mac n’Cheese: 89c / 59c / -9c / 50c – 20
Barilla Pasta: 1.99 / 1.00 / -50c / 50c – 6
VO5 Shampoo: 1.29 / 99c / -45c / 54c – 4
Fred Meyer Bread: 1.29 / 50 / -0 / 50c – 12
Activa/Danimal/Dannon Yogurt 4pk: 2.29 / 1.88 / -1.00 / 88c – 3
Bumble Bee Tuna Pack: 1.99 / 1.00 / -62c / 38c – 5
Hunts Pasta Sauce: 1.10 / 99c / -30c / 69c – 18
Bar S Bacon 1lb: 2.99 / 2.50 / -50c / 2.00 – 6

Total Coupons: $20.29
Total Spent: $48.62
Total OOP w/tax: $52.15

As the “nerd” in our marriage . . .

Posted on : 06-10-2009 | By : The Wife | In : budgeting, dave ramsey, Debt Discussion, The Journey

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I was trying to be too strict, too rigid in our budget.  I desperately want the debt GONE.  However, I’ve been told that I also have to LIVE while we are eliminating it!

Therefore, we now have a “blow” category in our budget.  Mind you, it’s $20 total (basically a movie or a take n’bake pizza… however, it’s still a blow category.

Love you DH!

Yoplaits for 14.5c/ea, 2lb blocks Cheese $2.99/block, free water, more . . .

Posted on : 03-10-2009 | By : The Wife | In : Groceries

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Today wasn’t as awe inspiring as other days, but savings were still phenomenal:

20091003-multi-store-shopping-6210

  • 58 yoplaits – this will last us MAYBE 2.5 weeks (4-5 kids, 1 yogurt a day) 14.5-21c each (Super 1)
  • 7 blocks of 2lb cheese – cheddar, colby, mozzarella, jack $2.99 each (Fred Meyer)
  • 1 herbal essences shampoo 99c (Walgreen’s)
  • 1 herbal essences conditioner 99c (Walgreen’s)
  • 3 bunches of banana’s 38c/lb (Super 1)
  • 6 cans campbell’s chicken soup 30c/can (Fred Meyer)
  • 16 packages trident layers gum 25c-50c each (Walgreen’s)
  • 3 packages frozen vegetables 66c each (Super 1)
  • 2 large heads green leaf lettuce 88c each (Super 1)
  • 4 boxes pillsbury cake mix 69c each (Fred Meyer)
  • 7 bottles joint juice free (Safeway)
  • 2 impulse buys: chicken pieces/shrimp pieces $2 each (Walmart)

Total retail: $137.73
Total paid: $62.10

Tax paid: $5.86
Total OOP: $67.96