- January 5, 2008 at 1:01 am #254997
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
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
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
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
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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