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  1. #1
    Gwyn Grega
    Guest

    Default How to Save Money

    This is really my first post. It's kinda long, but I hope you learn

    something from it, I did.



    I just wanted to tell everybody about a couple of experiences I have

    had in the last couple of weeks, with my finances. For my New Years

    Resolution, I promised myself, and the Lord, that I was going to

    manage "HIS" money better. Don't get me wrong, I have been blessed

    with a very good job, for a female who didn't go to college. I don't

    really have a "hard" time paying bills, have good credit, have a

    "little" in savings, and contribute 11% weekly to my 401. I AM in

    debt, too far probably. I also tithe every week, but I'll confess, I

    don't always tithe what I should, but most of the time I do, and I'm

    always doing other stuff, financially at the church and help towards

    our local food bank so I think it all evens' out. With that being

    said, since I decided to manage "HIS" money better, I started writing

    down every penny I spent, where it went, and on what. So for the first

    time in my 43 year old life I started a true budget. I've even

    learned some great savings tips from ya'll that I have applied.



    Since I keep the majority of the money in saving's, I don't always

    worry about overdrawing my checking account, because in actuality, I

    had this idea that I'm not really overdrawing, because they transfer

    the money out of savings. I always knew they charged $2.00 each time

    they did this, but what I didn't realize was that they did this 9

    times last month alone, even if it was only for $1.00 that was needed

    to cover something. (Can you tell I never balance my check book)

    Well, all of a sudden I realized that $18.00 (x12) was around $200.00

    a year, wonder what I could do with that saving's? So I'm going to

    let my checking account accumulate, to cover all my unnecessary

    transfers, cause I would NEVER remember to transfer it myself. No, I

    probably still won't balance the checkbook out, but at least I am

    aware of everything that is going on.



    Then last week I noticed, that I had a $2.00 transfer fee, to cover a

    draft, and it appeared I had the balance to cover it. I called the

    bank and she told me my "available" balance wasn't there, what

    happened was when you purchase "gas" with your debit/credit card, that

    comes out of your checking account, most of the time it will put a

    "hold" on 50 of your hard earned dollars ( I purchased gas over the

    weekend, took about 4 day's for my "dollars" to be mine again) While

    it is being "held" it can cause an overdraft, in my case, this did

    happen, and guess what? I had to pay a transfer fee, anyone else, it

    could have been NSF fee's, which can cause a domino affect to say the

    least. Be careful.



    Then just this Friday, I stopped at Pizza Hut, to get a carry out

    pizza, through the drive thru line. My transaction wasn't but $7.46,

    I paid with my debit card, there again, watching every thing I do, I

    noticed on Saturday morning, the transaction that came out of my

    checking was for $10.46. Ummmm…. How could that happen? I called them,

    they found the receipt, and stated, just like mine, it said $7.46,

    with nothing showing in the "tip" line. Monday morning, I called the

    bank, she said that indeed $10.46 was the actual amount charged from

    my checking. Well…..I called them back again this morning, not happy.

    The manager was nice enough to pull up the report that goes in daily,

    stating how much was actually charged/paid (not the original

    receipt)…..guess what? The cashier added $3.00 to the amount, as a

    "hidden" tip, I guess, and pocketed the money. Boy is she in for a

    rude awakening. As my kids used to say, "busted". The average person

    may not of caught this, but thank the Lord, I did. She could do this

    numerous times per day, add support her "habit".



    Now, I said all of that, to say this. Had I not made a conscious

    decision to give my finances to the Lord, I don't think I would of

    found these errors, because I wouldn't have been paying close enough

    attention. So, see how He is helping me already. Then to top it off,

    last night at church, which was the first time I had been able to go

    in a couple of weeks, because of working shift work, what did he

    preach on? FINANCES…. *ding ding ding little bells started going off*

    …...Not the tithing type sermon, but being responsible with what he


    has given us. Because it is his, he gave it to us, it wasn't given to

    us because we "earned" it. Not buying fancier cars than we really

    need, not buying a new dress just because you like it, things like

    that, CHARGING things, instead of paying cash for them, and paying

    "all" of your debts. Not being in "bondage" over your current

    financial situation. Being good stewards. You get the picture.



    Just wanted to let everyone know though, in my learning experience,

    watch everything and everybody. It's ashamed in the world we live in

    today, that you can't trust anyone. If you use your debit/credit

    charge card's, don't let them or it leave your sight. Don't give out

    any information on the phone either. My dad and mom went cross

    country back in October to Arizona, and before they could get home,

    someone had purchased $3,000 worth of merchandise using his debit card

    numbers off of the card. thank God for the internet, or he may not of

    known it for 2 weeks, luckily, he knew it while they were still

    "pending" transactions. They think it happened at a motel, and not a

    cheesy one either, when they were checking in. Identity theft can and

    does happen to anyone.



    That's all. Just my "saved" 2 cents worth.



    Gwyn Grega

    North Carolina








  2. #2
    rebecca bean
    Guest

    Default How to Save Money

    Hi thanks for a great post & giving me some things to think about.Sounds to me

    like you are way ahead of the game!--rebecca



    ----- Original Message ----

    From: Gwyn Grega <gwyngrega@embarqmail.com>

    To: Budget101_@yahoogroups.com

    Sent: Monday, January 28, 2008 8:57:59 PM

    Subject: Budget101.com : How to Save Money



    This is really my first post. It's kinda long, but I hope you learn

    something from it, I did.



    I just wanted to tell everybody about a couple of experiences I have

    had in the last couple of weeks, with my finances. For my New Years

    Resolution, I promised myself, and the Lord, that I was going to

    manage "HIS" money better. Don't get me wrong, I have been blessed

    with a very good job, for a female who didn't go to college. I don't

    really have a "hard" time paying bills, have good credit, have a

    "little" in savings, and contribute 11% weekly to my 401. I AM in

    debt, too far probably. I also tithe every week, but I'll confess, I

    don't always tithe what I should, but most of the time I do, and I'm

    always doing other stuff, financially at the church and help towards

    our local food bank so I think it all evens' out. With that being

    said, since I decided to manage "HIS" money better, I started writing

    down every penny I spent, where it went, and on what. So for the first

    time in my 43 year old life I started a true budget. I've even

    learned some great savings tips from ya'll that I have applied.



    Since I keep the majority of the money in saving's, I don't always

    worry about overdrawing my checking account, because in actuality, I

    had this idea that I'm not really overdrawing, because they transfer

    the money out of savings. I always knew they charged $2.00 each time

    they did this, but what I didn't realize was that they did this 9

    times last month alone, even if it was only for $1.00 that was needed

    to cover something. (Can you tell I never balance my check book)

    Well, all of a sudden I realized that $18.00 (x12) was around $200.00

    a year, wonder what I could do with that saving's? So I'm going to

    let my checking account accumulate, to cover all my unnecessary

    transfers, cause I would NEVER remember to transfer it myself. No, I

    probably still won't balance the checkbook out, but at least I am

    aware of everything that is going on.



    Then last week I noticed, that I had a $2.00 transfer fee, to cover a

    draft, and it appeared I had the balance to cover it. I called the

    bank and she told me my "available" balance wasn't there, what

    happened was when you purchase "gas" with your debit/credit card, that

    comes out of your checking account, most of the time it will put a

    "hold" on 50 of your hard earned dollars ( I purchased gas over the

    weekend, took about 4 day's for my "dollars" to be mine again) While

    it is being "held" it can cause an overdraft, in my case, this did

    happen, and guess what? I had to pay a transfer fee, anyone else, it

    could have been NSF fee's, which can cause a domino affect to say the

    least. Be careful.



    Then just this Friday, I stopped at Pizza Hut, to get a carry out

    pizza, through the drive thru line. My transaction wasn't but $7.46,

    I paid with my debit card, there again, watching every thing I do, I

    noticed on Saturday morning, the transaction that came out of my

    checking was for $10.46. Ummmm…. How could that happen? I called them,

    they found the receipt, and stated, just like mine, it said $7.46,

    with nothing showing in the "tip" line. Monday morning, I called the

    bank, she said that indeed $10.46 was the actual amount charged from

    my checking. Well…..I called them back again this morning, not happy.

    The manager was nice enough to pull up the report that goes in daily,

    stating how much was actually charged/paid (not the original

    receipt)…..guess what? The cashier added $3.00 to the amount, as a

    "hidden" tip, I guess, and pocketed the money. Boy is she in for a

    rude awakening. As my kids used to say, "busted". The average person

    may not of caught this, but thank the Lord, I did. She could do this

    numerous times per day, add support her "habit".



    Now, I said all of that, to say this. Had I not made a conscious

    decision to give my finances to the Lord, I don't think I would of

    found these errors, because I wouldn't have been paying close enough

    attention. So, see how He is helping me already. Then to top it off,

    last night at church, which was the first time I had been able to go

    in a couple of weeks, because of working shift work, what did he

    preach on? FINANCES…. *ding ding ding little bells started going off*

    …...Not the tithing type sermon, but being responsible with what he

    has given us. Because it is his, he gave it to us, it wasn't given to

    us because we "earned" it. Not buying fancier cars than we really

    need, not buying a new dress just because you like it, things like

    that, CHARGING things, instead of paying cash for them, and paying

    "all" of your debts. Not being in "bondage" over your current

    financial situation. Being good stewards. You get the picture.



    Just wanted to let everyone know though, in my learning experience,

    watch everything and everybody. It's ashamed in the world we live in

    today, that you can't trust anyone. If you use your debit/credit

    charge card's, don't let them or it leave your sight. Don't give out

    any information on the phone either. My dad and mom went cross

    country back in October to Arizona, and before they could get home,

    someone had purchased $3,000 worth of merchandise using his debit card

    numbers off of the card. thank God for the internet, or he may not of

    known it for 2 weeks, luckily, he knew it while they were still

    "pending" transactions. They think it happened at a motel, and not a

    cheesy one either, when they were checking in. Identity theft can and

    does happen to anyone.



    That's all. Just my "saved" 2 cents worth.



    Gwyn Grega

    North Carolina







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



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  3. #3
    Rhonda
    Guest

    Default How to Save Money

    My daughter works as a waitress to put herself thru college she said to never leave the tip area blank. put a zero's with a big line thru it. she has seen to many of her co-workers add tips later. Some people think oh its just a dollar here and there. They add up fast! One other tip is to check when you fill up at gas stations. One station my husband used charged one dollar for the convience to pay at the pump!! guess they are losing sells due to the fact that we aren't coming inside to buy that over priced soda. Rhonda

    &#32;
    Never miss a thing. Make Yahoo your homepage.



  4. #4
    Kelly Weyd
    Guest

    Default How to Save Money

    Good point about the gas. I went to a gas station one time and my bill came to something like $34 dollars, and I paid with my credit card. The attendant put $340 dollars on my credit card. That one was so glaringly obvious that the manager actually caught it, because who takes $340 worth of gas in their mini-van? But it was not till I noticed it and went back in that I got a refund. Kelly

    Rhonda <krrazy_cat@yahoo.com> wrote: My daughter works as a waitress to put herself thru college she said
    to never leave the tip area blank. put a zero's with a big line thru it. she has seen to many of her co-workers add tips later. Some people think oh its just a dollar here and there. They add up fast! One other tip is to check when you fill up at gas stations. One station my husband used charged one dollar for the convience to pay at the pump!! guess they are losing sells due to the fact that we aren't coming inside to buy that over priced soda. Rhonda Never miss a thing. Make Yahoo your homepage.


    &#32;

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


  5. #5
    Amy W
    Guest

    Default How to Save Money

    <div style="font-family:arial, helvetica, sans-serif;font-size:10pt;">
    I always pay at the pump. I don't know if all places have that, but here in Michigan you do your entire transaction at the pump and get a receipt.
    <FONT color="#0080ff">

    <SPAN style="height:2px;border-bottom:1px solid rgb(212,208,200);border-top:1px solid rgb(128,128,128);background-color:black;">



    <FONT color="#0080ff"><FONT color="#c52579">
    <FONT color="#000000" size="4">~Amy
    <FONT color="#007f7f"><SPAN style="FONT-WEIGHT: bold;COLOR: rgb(0,127,64);FONT-STYLE: italic;"><FONT color="#007f7f">New Mineral Powder Foundation, lipstick and fragrance wands! Check it out!
    <FONT color="#ff007f">Free shipping on all orders! <FONT color="#ff007f">www.marykay.com/wardamy

    <FONT color="#c00000"><FONT color="#ff007f" size="2">





    <FONT color="#00007f" size="2">


    <FONT color="#810081" size="2">





    <FONT size="1"><FONT color="#a33224"><FONT face="Verdana"><FONT size="1"><FONT face="VERDANA, ARIAL, SANS-SERIF" color="#330000" size="1">
    <DIV style="FONT-SIZE: 10pt;FONT-FAMILY: arial, helvetica, sans-serif;">


    ----- Original Message ----
    From: Kelly Weyd <kellmar98@yahoo.com>
    To: Budget101_@yahoogroups.com
    Sent: Wednesday, January 30, 2008 12:59:51 PM
    Subject: Re: Budget101.com : Re:How to Save Money






    Good point about the gas. I went to a gas station one time and my bill came to something like $34 dollars, and I paid with my credit card. The attendant put $340 dollars on my credit card. That one was so glaringly obvious that the manager actually caught it, because who takes $340 worth of gas in their mini-van? But it was not till I noticed it and went back in that I got a refund.
    Kelly

    Rhonda <krrazy_cat@yahoo. com> wrote:



    My daughter works as a waitress to put herself thru college she said to never leave the tip area blank. put a zero's with a big line thru it. she has seen to many of her co-workers add tips later. Some people think oh its just a dollar here and there. They add up fast! One other tip is to check when you fill up at gas stations. One station my husband used charged one dollar for the convience to pay at the pump!! guess they are losing sells due to the fact that we aren't coming inside to buy that over priced soda.

    Rhonda


    Never miss a thing. Make Yahoo your homepage.












  6. #6
    Karen Pierce
    Guest

    Default How to Save Money

    Looking at receipts is a biggie with me -- I recently went to the butcher and when I checked out, the clerk told me $264. I realize I'd purchased quite a bit; and in the past, there have been many times when I ended up spending more than I realized I was spending...however...that seemed a bit high... As I was giving her my credit card, I held back a little and said "excuse me??" She repeated the amount and I gave her the "deer in the headlights look" and said "Wow...." She nodded and said "I know! But did you see the price of that one package of meat??" She held up a package and it said $163!! I looked at her and said..."I don't think so...that's a three pound rump roast...not even dipped in gold would it be that much..." Turns out that the butcher punched in $49.99 a pound instead of $4.99 a pound. My $264 bill came out to a total of $81. Much better. Always check!!! KP

    Amy W <btvsfreak@yahoo.com> wrote: <DIV style="FONT-SIZE: 10pt;FONT-FAMILY: arial, helvetica, sans-serif;"> I always pay at the pump. I don't know if all places have that, but here in Michigan you do your entire transaction at the pump and get a receipt.
    <FONT color="#0080ff"> <SPAN style="BORDER-TOP: rgb(128,128,128) 1px solid;BORDER-BOTTOM: rgb(212,208,200) 1px solid;HEIGHT: 2px;BACKGROUND-COLOR: black;"> <FONT color="#0080ff"><FONT color="#c52579"> <FONT color="#000000" size="4">~Amy <FONT color="#007f7f"><SPAN style="FONT-WEIGHT: bold;COLOR: rgb(0,127,64);FONT-STYLE: italic;"><FONT color="#007f7f">New Mineral Powder Foundation, lipstick and fragrance wands! Check it out! <FONT color="#ff007f">Free shipping on all orders! <FONT color="#ff007f">www.marykay.com/wardamy <FONT color="#c00000"><FONT color="#ff007f" size="2"> <FONT color="#00007f" size="2"> <FONT color="#810081" size="2"> <FONT size="1"><FONT color="#a33224"><FONT face="Verdana"><FONT size="1"><FONT face="VERDANA, ARIAL, SANS-SERIF" color="#330000" size="1"> <DIV style="FONT-SIZE: 10pt;FONT-FAMILY: arial, helvetica, sans-serif;">

    ----- Original Message ----
    From: Kelly Weyd <kellmar98@yahoo.com>
    To: Budget101_@yahoogroups.com
    Sent: Wednesday, January 30, 2008 12:59:51 PM
    Subject: Re: Budget101.com : Re:How to Save Money

    Good point about the gas. I went to a gas station one time and my bill came to something like $34 dollars, and I paid with my credit card. The attendant
    put $340 dollars on my credit card. That one was so glaringly obvious that the manager actually caught it, because who takes $340 worth of gas in their mini-van? But it was not till I noticed it and went back in that I got a refund. Kelly

    Rhonda <krrazy_cat@yahoo. com> wrote: My daughter works as a waitress to put herself thru college she said to never leave the tip area blank. put a zero's with a big line thru it. she has seen to many of her co-workers add tips later. Some people think oh its just a dollar here and there. They add up fast! One other tip is to check when you fill up at gas stations. One station my husband used charged one dollar for the convience to pay at the pump!! guess they are losing sells due to the fact that we aren't coming inside to buy that over priced soda. Rhonda Never miss a thing. Make Yahoo your homepage.




    <div id="RTEContent"><font face="verdana, helvetica, sans-serif" color="#bf00bf">Karen Pierce<font face="verdana, helvetica, sans-serif" color="#bf00bf">Brookfield, WI<font color="#bf00bf"><font face="verdana, helvetica, sans-serif"><font color="#0000ff"><font color="#bf00bf"><font face="verdana, helvetica, sans-serif"><font face="verdana, helvetica, sans-serif">


  7. #7
    Kelly Weyd
    Guest

    Default How to Save Money

    That is what I do now, since I live in SC. But when I lived in Jersey, they

    don't have pump your own gas. It's a law there I guess that an attendant must

    pump your gas. I don't know if they have the pay at the pump things there now

    or not. My mother in law handed a gas attendant her credit card and she got her

    identity stolen. She got a call from the credit card company asking if she was

    having a great time spending so much money in Chicago. My mother in law

    informed them she has never been to Chicago. Then it happened to someone else I

    knew. So after I got charged $340 on my credit card for gas, my mother in law

    got her identity stolen, and a friend got her identity stolen by a gas station

    attendant, I always paid with cash for gas in Jersey. So far I've been lucky

    here, because I pay right at the pump..........but it could still happen.

    Kelly



    Amy W <btvsfreak@yahoo.com> wrote:



    I always pay at the pump. I don't know if all places have that, but here in

    Michigan you do your entire transaction at the pump and get a receipt.














  8. #8
    Herlean
    Guest

    Default How to Save Money

    A hold equal to about double the amount you pump is most likely placed on your debit card when you do that. Check with the people inside of the gas station, or call your bank/credit union. It's pretty much the "norm" now. The merchants say it is so they can guarantee they get paid. No matter what all of those "holds" do to you. It really makes a difference if you don't have any kind of cushion in there. For instance, you go to the gas station, then to the grocery store, then stop by the pharmacy. You have $400 in the bank. You go to the gas station, debit 65 for gas; station HOLDS 100 You go to the grocery store, debit 175; grocery HOLDS 200 You go to the pharmacy, debit 100; pharmacy HOLDS 125-150 You go home, order pizza delivery for dinner. Debit 60. Pizza
    place HOLDS 75. You are now in trouble. If your bank covered (allowed) each of these debits to go through, when you exceeded 400 including all of the holds, you were charged a COURTESY fee of $40 for each instance over the 400. Until all of the holds are released, your money is not really there available for your use. In the meantime, you have been charged fees for money you actually had. Does that make sense? In another day or two (longer if you do these things on Friday or Saturday) the holds are released and you find out the damage. Many people live very close to the edge. Paycheck to paycheck. BTW - Several banks charge for any contact you have with a teller. Some charge a buck or two; others 10 - 20. Ridiculous, but true. Anyway for the bank to make a buck. Herlean

    Amy W <btvsfreak@yahoo.com> wrote: <DIV style="FONT-SIZE: 10pt;FONT-FAMILY: arial, helvetica, sans-serif;"> I always pay at the pump. I don't know if all places have that, but here in Michigan you do your entire transaction at the pump and get a receipt.
    <FONT color="#0080ff"> <SPAN style="BORDER-TOP: rgb(128,128,128) 1px solid;BORDER-BOTTOM: rgb(212,208,200) 1px solid;HEIGHT: 2px;BACKGROUND-COLOR: black;"> <FONT color="#0080ff"><FONT color="#c52579"> <FONT color="#000000" size="4">~Amy <FONT color="#007f7f"><SPAN style="FONT-WEIGHT: bold;COLOR: rgb(0,127,64);FONT-STYLE: italic;"><FONT color="#007f7f">New Mineral Powder Foundation, lipstick and fragrance wands! Check it out! <FONT color="#ff007f">Free shipping on all orders! <FONT color="#ff007f">www.marykay.com/wardamy <FONT color="#c00000"><FONT color="#ff007f" size="2"> <FONT color="#00007f" size="2"> <FONT color="#810081" size="2"> <FONT size="1"><FONT color="#a33224"><FONT face="Verdana"><FONT size="1"><FONT face="VERDANA, ARIAL, SANS-SERIF" color="#330000" size="1"> <DIV style="FONT-SIZE: 10pt;FONT-FAMILY: arial, helvetica, sans-serif;">

    ----- Original Message ----
    From: Kelly Weyd <kellmar98@yahoo.com>
    To: Budget101_@yahoogroups.com
    Sent: Wednesday, January 30, 2008 12:59:51 PM
    Subject: Re: Budget101.com : Re:How to Save Money

    Good point about the gas. I went to a gas station one time and my bill came to something like $34 dollars, and I paid with my credit
    card. The attendant put $340 dollars on my credit card. That one was so glaringly obvious that the manager actually caught it, because who takes $340 worth of gas in their mini-van? But it was not till I noticed it and went back in that I got a refund. Kelly

    Rhonda <krrazy_cat@yahoo. com> wrote: My daughter works as a waitress to put herself thru college she said to never leave the tip area blank. put a zero's with a big line thru it. she has seen to many of her co-workers add tips later. Some people think oh its just a dollar here and there. They add up fast! One other tip is to check when you fill up at gas stations. One station my husband used charged one dollar for the convience to pay at the pump!! guess they are losing sells due to the fact that we aren't coming inside to buy that over priced
    soda. Rhonda Never miss a thing. Make Yahoo your homepage.




    <SPAN style="FONT-FAMILY: comic sans ms;"> rgb(96,0,191);FONT-FAMILY: system;">"Opportunity may knock once on your door. Temptation leans against the doorbell." - Unknown
    "Never believe you don't have what it takes."


    &#32;



 

 
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