Would like suggestions and advise (long)

Budget101 Discussion List Archives Budget101 Discussion List Would like suggestions and advise (long)

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      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)

      > >

      > >

      > >

      > >

      > >

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      > >

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      >

      === message truncated ===

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Budget101 Discussion List Archives Budget101 Discussion List Would like suggestions and advise (long)