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  1. #1
    Betty
    Guest

    Default Would like suggestions and advise (long)

    My name is Betty, I will turn 60 the end of March. My household

    consists of myself and two cats, Kitzel and Missie.



    I am currently working full time for $10 per hour. There are rumors

    of possible cutbacks. I just started this job the first part of

    August or 2007 so am feeling a lot a insecurity regarding my job.



    My house, car, and credit cards are paid in full. The credit cards

    have no annual fee and are part of my backup plan for emergency

    expenses.

    I do not subscribe to any newspaper, magazine or cable or any

    orgianization that requires dues -- I use the internet instead. I use

    DSL(lite) to access internet which is bundled with my landline phone.

    Because the DSL and phone are bundled, my DSL costs me only about $3

    a month more than if I would have dial-up.



    I do have cell phone service that cost me $10 per month. [My brother,

    niece and nephew had a line they weren't using and added me to their

    family plan providing I pay for the service for that phone.] Cell

    phone is currently intended to be used as "safety equipment" so only

    have a few hours per month available to me for calls outside the

    family plan.



    I have several hobbies that I enjoy. Expenses for my hobbies average

    less than $15 total per month. I rarely eat at restuarants, less than

    once a month. Several times per year I participate in a EBS

    meal/gathering [EBS=Everybody Bring

    Something]



    The grocery stores in the area I live do not double coupons. In a

    thirty mile radius from my home, I have only found one store that

    will honor interent coupons. That store is enough more expensive that

    using coupon there cost more than buying elsewhere without coupon.

    Without double coupons or internet coupons I feel very limited a how

    much I could save using coupons.



    Of the two Angle Food Ministry distribution locations that I know

    about in Minneota, the closest is about 2 hours away, the other is

    about 3 1/2 hours away. I looked for SHARE program in Minnesota but

    could not find any locations. I know of a food shelf in town 20 miles

    from my home. They limit the number of times per year that you can

    use it. One can only use food shelf 12 times per year. Visits to food

    shelf must be at least a week apart. Don't want to use it yet as I

    want to keep my options open in case things get rough later.



    I have some huge finanical challenges. I have a $12,000 street

    improvement accessment that has been attached to my property tax. I

    also have hanging over me the fact that I have to fix my basement

    walls.[Defect in construction of walls was aggravated by things that

    occurred during street project.-- My insurance won't pay and I can't

    prove which of three sources is primary fault so can't suit to help

    offset cost of repair.]Last fall the lowest estimate for fixing

    basement was "at least $10,000, we'll do good if we keep it under

    $20,000"



    Now that I have laid out my situation, I will admit I have been lax

    on tracking and managing inventory of consumables, food and

    other,that I have on hand and could do better in that area. I would

    like to hear suggestions and advise regarding (1)reducing cost and

    waste of groceries; (2) generating income from at home.



    Betty (in Minnesota)












  2. #2
    Karen
    Guest

    Default Would like suggestions and advise (long)

    Best way to manage cost and waste of groceries is:

    Plan a menu for a month - making sure that you plan on left overs -

    such as Sunday - roast, potatoes, carrots Monday - hash (using Sundays

    left overs) Tues BBQ beef sandwich (using left over roast from Sunday)

    by planning on the left overs they don't get shoved to the back of the

    refrig, and forgotten.

    From your menu for the month - make out shopping lists and buy only

    whats on the lists. Can't help with income from home. KarenMO



    >

    > . I would

    > like to hear suggestions and advise regarding (1)reducing cost and

    > waste of groceries; (2) generating income from at home.

    >

    > Betty (in Minnesota)

    >










  3. #3
    mem68
    Guest

    Default Would like suggestions and advise (long)

    Betty, I would not give up so easily on the street damage problems. I would

    call an engineer not associated w/ the city for a consultation and to see if

    he would go to court w/ you in case you have to sue the city for damages. I

    would ck w/ other home owner ins to evaluate changing policies. None of this

    was your problem but now everyone has laid it at your door step to solve!!

    Do you have a Walgreen's? You can buy on sale ,rebates,use their coupons.

    BOGOF, buy lost leaders, buy on sale (stock up),at the grocery stores.Use

    the sales flyers to plan your grocery shopping. Read thes at the library or

    on line.(Sign up for the on line sales papers for the stores that your town

    has.)

    You can do this slowly to get your pantry stocked.

    Start researching to mk your own cleaning solutions, frugal ways to

    live,container gardening, shop at Goodwill on 1/2 price days. Cook from

    scratch (ex. mk 2 meatloafs and cook both and freeze one for the day that

    you are super tired. )Also can mk in muffin tins and freeze. Take leftovers

    to work for breaks and lunch. Drink water.Save even the smallest of left

    overs ,freeze in zip lock gallon baggie and then have soup -you can stretch

    soup lots.

    Could you set up payments w/ tax to pay so much /year? $12000 is a lot to

    have addes on to your taxes.

    Could you ck w/ some churches to start a Shares or AngelFood Ministeries?

    Others could benefit from this.

    I became a foster parent for babies only after I retired early from

    nursing. I loved it.I was needed,loved,no heavy lifting, and finally adopted

    a son who is now 10yo.You have to train to be a foster parent -mine was on

    Tues and Thurs evening for 3 months.

    My area does not have double or triple coupons either but I manage to

    save.

    I use sheets from Goodwill to mk napkins (colored),hankies(white).

    You are doing lots of wonderful frugal things already.

    !!

    ----- Original Message -----

    From: "Betty" <bbor1212frugal@aol.com>

    To: <Budget101_@yahoogroups.com>

    Sent: Friday, January 04, 2008 8:01 PM

    Subject: Budget101.com : Would like suggestions and advise (long)





    > My name is Betty, I will turn 60 the end of March. My household

    > consists of myself and two cats, Kitzel and Missie.








  4. #4
    Herlean
    Guest

    Default Would like suggestions and advise (long)

    Welcome Betty,



    I find the largest variable cost in our finances right now

    is groceries. We can cut back on driving to alleviate

    gasoline costs, other than my hubby driving to work (about

    an hour each way, sometimes 7 days a week) - and gas just

    jumped up to $3.20 a gallon around here this past week.



    I am constantly looking for ways to cut the food budget.

    The best I know of is to eat at home. I read a lot of

    recipes online (Cooking Light and RecipeZaar and Cooks.com

    are great websites) and keep the pantry stocked to try a

    new recipe or two every two weeks. That way, I don't get

    bored and I get better use of our grocery bills.



    I am looking for ways to cut those and other household

    expenses. One of our big goals for 2008 is to pay down our

    debts and build our savings.



    Herlean



    --- Betty <bbor1212frugal@aol.com> wrote:



    > My name is Betty, I will turn 60 the end of March. My

    > household

    > consists of myself and two cats, Kitzel and Missie.

    >

    > I am currently working full time for $10 per hour. There

    > are rumors

    > of possible cutbacks. I just started this job the first

    > part of

    > August or 2007 so am feeling a lot a insecurity regarding

    > my job.

    >

    > My house, car, and credit cards are paid in full. The

    > credit cards

    > have no annual fee and are part of my backup plan for

    > emergency

    > expenses.

    > I do not subscribe to any newspaper, magazine or cable or

    > any

    > orgianization that requires dues -- I use the internet

    > instead. I use

    > DSL(lite) to access internet which is bundled with my

    > landline phone.

    > Because the DSL and phone are bundled, my DSL costs me

    > only about $3

    > a month more than if I would have dial-up.

    >

    > I do have cell phone service that cost me $10 per month.

    > [My brother,

    > niece and nephew had a line they weren't using and added

    > me to their

    > family plan providing I pay for the service for that

    > phone.] Cell

    > phone is currently intended to be used as "safety

    > equipment" so only

    > have a few hours per month available to me for calls

    > outside the

    > family plan.

    >

    > I have several hobbies that I enjoy. Expenses for my

    > hobbies average

    > less than $15 total per month. I rarely eat at

    > restuarants, less than

    > once a month. Several times per year I participate in a

    > EBS

    > meal/gathering [EBS=Everybody Bring

    > Something]

    >

    >

    > The grocery stores in the area I live do not double

    > coupons. In a

    > thirty mile radius from my home, I have only found one

    > store that

    > will honor interent coupons. That store is enough more

    > expensive that

    > using coupon there cost more than buying elsewhere

    > without coupon.

    > Without double coupons or internet coupons I feel very

    > limited a how

    > much I could save using coupons.

    >

    > Of the two Angle Food Ministry distribution locations

    > that I know

    > about in Minneota, the closest is about 2 hours away, the

    > other is

    > about 3 1/2 hours away. I looked for SHARE program in

    > Minnesota but

    > could not find any locations. I know of a food shelf in

    > town 20 miles

    > from my home. They limit the number of times per year

    > that you can

    > use it. One can only use food shelf 12 times per year.

    > Visits to food

    > shelf must be at least a week apart. Don't want to use it

    > yet as I

    > want to keep my options open in case things get rough

    > later.

    >

    > I have some huge finanical challenges. I have a $12,000

    > street

    > improvement accessment that has been attached to my

    > property tax. I

    > also have hanging over me the fact that I have to fix my

    > basement

    > walls.[Defect in construction of walls was aggravated by

    > things that

    > occurred during street project.-- My insurance won't pay

    > and I can't

    > prove which of three sources is primary fault so can't

    > suit to help

    > offset cost of repair.]Last fall the lowest estimate for

    > fixing

    > basement was "at least $10,000, we'll do good if we keep

    > it under

    > $20,000"

    >

    > Now that I have laid out my situation, I will admit I

    > have been lax

    > on tracking and managing inventory of consumables, food

    > and

    > other,that I have on hand and could do better in that

    > area. I would

    > like to hear suggestions and advise regarding (1)reducing

    > cost and

    > waste of groceries; (2) generating income from at home.

    >

    > Betty (in Minnesota)

    >

    >

    >

    >

    >

    > Free Money- http://budget101..com/

    >

    > *~*~*~*~*~*~*PLEASE TAKE A MOMENT TO VISIT OUR SPONSOR

    > AD~*~*~*~*~*~*

    >

    > Ad-Expired

    > Save Money With Clear Comparisons

    >

    > *~*~*~*~*~*~*SPONSOR AD~*~*~*~*~*

    >

    >

    > To View the List Archives Please Visit

    > http://www.budget101.com/forumdispla...iscussion-List

    >

    >

    >

    > Yahoo! Groups Links

    >

    >

    >

    >









    __________________________________________________ ______________________________\

    ____

    Never miss a thing. Make Yahoo your home page.

    http://www.yahoo.com/r/hs






  5. #5
    pooh5497@yahoo.com>
    Guest

    Default Would like suggestions and advise (long)

    I have REALLY started saving a TON by using the

    priciples that they use on grocerygame.com I

    don't actually belong to that site but I do all the

    research on my own. I used to spend around $400-500 a

    month on groceries and now I am down to like $200-250.

    Basically you stock up a lot when you get great deals

    (like buy one get one free sasles and then add 2

    coupons to that deal to make it even cheaper). You

    will spend a little more in the beginning to stock up

    but once you do it for a month or two, you will be

    using groceries that cost more than half of regular

    price. Every week I check out all the sales ads for

    the local grocery stores to see what has the really

    great deals!



    Hope that helps

    Amy



    --- Herlean <wm_jun99@yahoo.com> wrote:



    > Welcome Betty,

    >

    > I find the largest variable cost in our finances

    > right now

    > is groceries. We can cut back on driving to

    > alleviate

    > gasoline costs, other than my hubby driving to work

    > (about

    > an hour each way, sometimes 7 days a week) - and gas

    > just

    > jumped up to $3.20 a gallon around here this past

    > week.

    >

    > I am constantly looking for ways to cut the food

    > budget.

    > The best I know of is to eat at home. I read a lot

    > of

    > recipes online (Cooking Light and RecipeZaar and

    > Cooks.com

    > are great websites) and keep the pantry stocked to

    > try a

    > new recipe or two every two weeks. That way, I

    > don't get

    > bored and I get better use of our grocery bills.

    >

    > I am looking for ways to cut those and other

    > household

    > expenses. One of our big goals for 2008 is to pay

    > down our

    > debts and build our savings.

    >

    > Herlean

    >

    > --- Betty <bbor1212frugal@aol.com> wrote:

    >

    > > My name is Betty, I will turn 60 the end of March.

    > My

    > > household

    > > consists of myself and two cats, Kitzel and

    > Missie.

    > >

    > > I am currently working full time for $10 per hour.

    > There

    > > are rumors

    > > of possible cutbacks. I just started this job the

    > first

    > > part of

    > > August or 2007 so am feeling a lot a insecurity

    > regarding

    > > my job.

    > >

    > > My house, car, and credit cards are paid in full.

    > The

    > > credit cards

    > > have no annual fee and are part of my backup plan

    > for

    > > emergency

    > > expenses.

    > > I do not subscribe to any newspaper, magazine or

    > cable or

    > > any

    > > orgianization that requires dues -- I use the

    > internet

    > > instead. I use

    > > DSL(lite) to access internet which is bundled with

    > my

    > > landline phone.

    > > Because the DSL and phone are bundled, my DSL

    > costs me

    > > only about $3

    > > a month more than if I would have dial-up.

    > >

    > > I do have cell phone service that cost me $10 per

    > month.

    > > [My brother,

    > > niece and nephew had a line they weren't using and

    > added

    > > me to their

    > > family plan providing I pay for the service for

    > that

    > > phone.] Cell

    > > phone is currently intended to be used as "safety

    > > equipment" so only

    > > have a few hours per month available to me for

    > calls

    > > outside the

    > > family plan.

    > >

    > > I have several hobbies that I enjoy. Expenses for

    > my

    > > hobbies average

    > > less than $15 total per month. I rarely eat at

    > > restuarants, less than

    > > once a month. Several times per year I participate

    > in a

    > > EBS

    > > meal/gathering [EBS=Everybody Bring

    > > Something]

    >

    > >

    > >

    > > The grocery stores in the area I live do not

    > double

    > > coupons. In a

    > > thirty mile radius from my home, I have only found

    > one

    > > store that

    > > will honor interent coupons. That store is enough

    > more

    > > expensive that

    > > using coupon there cost more than buying elsewhere

    > > without coupon.

    > > Without double coupons or internet coupons I feel

    > very

    > > limited a how

    > > much I could save using coupons.

    > >

    > > Of the two Angle Food Ministry distribution

    > locations

    > > that I know

    > > about in Minneota, the closest is about 2 hours

    > away, the

    > > other is

    > > about 3 1/2 hours away. I looked for SHARE program

    > in

    > > Minnesota but

    > > could not find any locations. I know of a food

    > shelf in

    > > town 20 miles

    > > from my home. They limit the number of times per

    > year

    > > that you can

    > > use it. One can only use food shelf 12 times per

    > year.

    > > Visits to food

    > > shelf must be at least a week apart. Don't want to

    > use it

    > > yet as I

    > > want to keep my options open in case things get

    > rough

    > > later.

    > >

    > > I have some huge finanical challenges. I have a

    > $12,000

    > > street

    > > improvement accessment that has been attached to

    > my

    > > property tax. I

    > > also have hanging over me the fact that I have to

    > fix my

    > > basement

    > > walls.[Defect in construction of walls was

    > aggravated by

    > > things that

    > > occurred during street project.-- My insurance

    > won't pay

    > > and I can't

    > > prove which of three sources is primary fault so

    > can't

    > > suit to help

    > > offset cost of repair.]Last fall the lowest

    > estimate for

    > > fixing

    > > basement was "at least $10,000, we'll do good if

    > we keep

    > > it under

    > > $20,000"

    > >

    > > Now that I have laid out my situation, I will

    > admit I

    > > have been lax

    > > on tracking and managing inventory of consumables,

    > food

    > > and

    > > other,that I have on hand and could do better in

    > that

    > > area. I would

    > > like to hear suggestions and advise regarding

    > (1)reducing

    > > cost and

    > > waste of groceries; (2) generating income from at

    > home.

    > >

    > > Betty (in Minnesota)

    > >

    > >

    > >

    > >

    > >

    > > Free Money- http://budget101..com/

    > >

    > > *~*~*~*~*~*~*PLEASE TAKE A MOMENT TO VISIT OUR

    > SPONSOR

    > > AD~*~*~*~*~*~*

    > >

    > > Ad-Expired

    > > Save Money With Clear Comparisons

    > >

    > > *~*~*~*~*~*~*SPONSOR AD~*~*~*~*~*

    > >

    > >

    >

    === message truncated ===









    __________________________________________________ ______________________________\

    ____












  6. #6
    shannon Badger
    Guest

    Default Would like suggestions and advise (long)

    Hey, Very interesting. Sounds like some really sound advice!. I was wondering if you knew when the GoodWill half days are. Thanks. Shannon

    mem68 <mildreda@lcs.net> wrote: Betty, I would not give up so easily on the street damage problems. I would
    call an engineer not associated w/ the city for a consultation and to see if
    he would go to court w/ you in case you have to sue the city for damages. I
    would ck w/ other home owner ins to evaluate changing policies. None of this
    was your problem but now everyone has laid it
    at your door step to solve!!
    Do you have a Walgreen's? You can buy on sale ,rebates,use their coupons.
    BOGOF, buy lost leaders, buy on sale (stock up),at the grocery stores.Use
    the sales flyers to plan your grocery shopping. Read thes at the library or
    on line.(Sign up for the on line sales papers for the stores that your town
    has.)
    You can do this slowly to get your pantry stocked.
    Start researching to mk your own cleaning solutions, frugal ways to
    live,container gardening, shop at Goodwill on 1/2 price days. Cook from
    scratch (ex. mk 2 meatloafs and cook both and freeze one for the day that
    you are super tired. )Also can mk in muffin tins and freeze. Take leftovers
    to work for breaks and lunch. Drink water.Save even the smallest of left
    overs ,freeze in zip lock gallon baggie and then have soup -you can stretch
    soup lots.
    Could you set up payments w/ tax to pay so much /year? $12000 is a lot to
    have addes on to your
    taxes.
    Could you ck w/ some churches to start a Shares or AngelFood Ministeries?
    Others could benefit from this.
    I became a foster parent for babies only after I retired early from
    nursing. I loved it.I was needed,loved,no heavy lifting, and finally adopted
    a son who is now 10yo.You have to train to be a foster parent -mine was on
    Tues and Thurs evening for 3 months.
    My area does not have double or triple coupons either but I manage to
    save.
    I use sheets from Goodwill to mk napkins (colored),hankies(white).
    You are doing lots of wonderful frugal things already.
    !!
    ----- Original Message -----
    From: "Betty" <bbor1212frugal@aol.com>
    To: <Budget101_@yahoogroups.com>
    Sent: Friday, January 04, 2008 8:01 PM
    Subject: Budget101.com : Would like suggestions and advise (long)

    > My name is Betty, I
    will turn 60 the end of March. My household
    > consists of myself and two cats, Kitzel and Missie.




    &#32;
    Be a better friend, newshound, and know-it-all with Yahoo! Mobile. [/url] "] Try it now.[/url]


  7. #7
    mem68
    Guest

    Default Would like suggestions and advise (long)


    Here in East Tn it is the last week end of the month.
    [quote]
    ----- Original Message -----
    From: shannon Badger
    To: Budget101_@yahoogroups.com
    Sent: Saturday, January 05, 2008 3:56 PM
    Subject: Re: Budget101.com : Would like suggestions and advise (long)


    Hey,
    Very interesting. Sounds like some really sound advice!. I was wondering if you knew when the GoodWill half days are.



  8. #8
    Kelly
    Guest

    Default Would like suggestions and advise (long)

    --- In Budget101_@yahoogroups.com, "Betty" <bbor1212frugal@...> wrote:

    >

    > My name is Betty, I will turn 60 the end of March. My household

    > consists of myself and two cats, Kitzel and Missie.

    >

    > I am currently working full time for $10 per hour. There are rumors

    > of possible cutbacks. I just started this job the first part of

    > August or 2007 so am feeling a lot a insecurity regarding my job.

    >

    > My house, car, and credit cards are paid in full. The credit cards

    > have no annual fee and are part of my backup plan for emergency

    > expenses.

    > I do not subscribe to any newspaper, magazine or cable or any

    > orgianization that requires dues -- I use the internet instead. I

    use

    > DSL(lite) to access internet which is bundled with my landline

    phone.

    > Because the DSL and phone are bundled, my DSL costs me only about

    $3

    > a month more than if I would have dial-up.

    >

    > I do have cell phone service that cost me $10 per month. [My

    brother,

    > niece and nephew had a line they weren't using and added me to

    their

    > family plan providing I pay for the service for that phone.] Cell

    > phone is currently intended to be used as "safety equipment" so

    only

    > have a few hours per month available to me for calls outside the

    > family plan.

    >

    > I have several hobbies that I enjoy. Expenses for my hobbies

    average

    > less than $15 total per month. I rarely eat at restuarants, less

    than

    > once a month. Several times per year I participate in a EBS

    > meal/gathering [EBS=Everybody Bring

    > Something]

    >

    > The grocery stores in the area I live do not double coupons. In a

    > thirty mile radius from my home, I have only found one store that

    > will honor interent coupons. That store is enough more expensive

    that

    > using coupon there cost more than buying elsewhere without coupon.

    > Without double coupons or internet coupons I feel very limited a

    how

    > much I could save using coupons.

    >

    > Of the two Angle Food Ministry distribution locations that I know

    > about in Minneota, the closest is about 2 hours away, the other is

    > about 3 1/2 hours away. I looked for SHARE program in Minnesota but

    > could not find any locations. I know of a food shelf in town 20

    miles

    > from my home. They limit the number of times per year that you can

    > use it. One can only use food shelf 12 times per year. Visits to

    food

    > shelf must be at least a week apart. Don't want to use it yet as I

    > want to keep my options open in case things get rough later.

    >

    > I have some huge finanical challenges. I have a $12,000 street

    > improvement accessment that has been attached to my property tax. I

    > also have hanging over me the fact that I have to fix my basement

    > walls.[Defect in construction of walls was aggravated by things

    that

    > occurred during street project.-- My insurance won't pay and I

    can't

    > prove which of three sources is primary fault so can't suit to help

    > offset cost of repair.]Last fall the lowest estimate for fixing

    > basement was "at least $10,000, we'll do good if we keep it under

    > $20,000"

    >

    > Now that I have laid out my situation, I will admit I have been lax

    > on tracking and managing inventory of consumables, food and

    > other,that I have on hand and could do better in that area. I would

    > like to hear suggestions and advise regarding (1)reducing cost and

    > waste of groceries; (2) generating income from at home.

    >

    > Betty (in Minnesota)

    >

    Check out Skype they are supposed to be cheaper and you can run your

    computer on there too.

    www.skype.com



    Kelly in IL








 

 
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