A lot of times we buy replacement items but how often do we actually buy an item before it is needed? A printer could be showing some signs of wear and it will soon find itself out at the curb. An air mattress could spring a leak and see a similar fate. Would you need to replace a printer and an air mattress right away? Possibly.
Does that turn a purchase into an emergency purchase? What happens when your purchase becomes an emergency? You may pay top dollar and you might not get the exact item that you want.
A friend's parents evaluated how long items were supposed to last and started shopping / researching before "the emergency" occurred.
Can you live without a printer, an air mattress or even a lamp until you have time to get the best deal? PREPARE before the emergency occurs.
Thursday, April 23, 2009
Saturday, April 18, 2009
How To Prevent Impulse Buys
1) stay at home
2) shop on a full stomach
3) bring a list
a) pair down the list prior to going into the store
4) write down all purchases when putting into a cart if going in for a couple of items (such as at a drug store)
5) write down the prices and add them up prior to going to the cash register
6) You have heard of trigger foods ... Do you have any trigger stores or malls where "stuff" just pops into your cart
7) price items at two or three places prior to making a significant purchase
8)set a dollar amount that you want to spend at the store or stores and reduce that by 5 or 10%
9) allow for a certain amount of impulse buys per trip
10)keep a list of things that you need; evaluate at a later date to see if you still need the items, add new items to the list and cross out items that you can do without
11) imagine a place in your house for the item
12) Do you really need the item or just want it?
2) shop on a full stomach
3) bring a list
a) pair down the list prior to going into the store
4) write down all purchases when putting into a cart if going in for a couple of items (such as at a drug store)
5) write down the prices and add them up prior to going to the cash register
6) You have heard of trigger foods ... Do you have any trigger stores or malls where "stuff" just pops into your cart
7) price items at two or three places prior to making a significant purchase
8)set a dollar amount that you want to spend at the store or stores and reduce that by 5 or 10%
9) allow for a certain amount of impulse buys per trip
10)keep a list of things that you need; evaluate at a later date to see if you still need the items, add new items to the list and cross out items that you can do without
11) imagine a place in your house for the item
12) Do you really need the item or just want it?
Vacation Savings
While at an amusement park how can you save $ when you want to eat?
While at Marine Land in Canada, we bought our lunch from Wawa, 5 hot dogs, very large bottles of water and a snack. Then we ate at the picnic tables outside the park prior to going into the park.
While at Marine Land in Canada, we bought our lunch from Wawa, 5 hot dogs, very large bottles of water and a snack. Then we ate at the picnic tables outside the park prior to going into the park.
Monday, April 13, 2009
Home Management / Division of Labor
I have heard that raising children is a labor of love. How would you define taking care of a home? There are many jobs that are involved with raising a family and taking care of a home. If we break the jobs down, define the tasks and put time estimates down will it make us more efficient or will we really see that yes we do need more than 24 hours in a day.
In an attempt to understand why our to do lists are still to do lists rather than completed tasks a breakdown of jobs may be helpful.
In an attempt to understand why our to do lists are still to do lists rather than completed tasks a breakdown of jobs may be helpful.
Saturday, March 21, 2009
Savings Bonds That Have Matured
Caution Regarding Savings Bonds That Have Matured
EE and I savings bonds earn interest for 30 years. HH savings bonds earn interest for 20 years.
Please check www.treasurydirect.gov prior to cashing in your savings bonds. Click on the get started link. You can also check when the next accrual period is on the bonds. You still may decide to cash the savings bonds in but try waiting until the next accrual period has passed.
An EE bond issued in 1984 for $50 (face value)would be worth over $90. The bond still accrues interest after the maturity date.
EE and I savings bonds earn interest for 30 years. HH savings bonds earn interest for 20 years.
Please check www.treasurydirect.gov prior to cashing in your savings bonds. Click on the get started link. You can also check when the next accrual period is on the bonds. You still may decide to cash the savings bonds in but try waiting until the next accrual period has passed.
An EE bond issued in 1984 for $50 (face value)would be worth over $90. The bond still accrues interest after the maturity date.
Blogs That I Read Has Been Updated
Hopefully I will be able to reconnect with Anjali's and The Life You Choose's new blogs. New blog added is Uncommon Threads.
Thursday, March 19, 2009
Ways to Obtain Money
1) Collect outstanding money
a) referral money on contracts such as home heating oil
2) Seek reimbursement from employer
a) professional fees
b) travel expenses
3) Check your safety deposit box
a) savings bonds that have matured
4) Bonuses
a) save the money for a rainy day rather than splurging
5) Credit Card Rewards Programs
a) opt for the statement credit rather than the product or gift card
6) SKIP THE IMPULSE BUYS
7) Return items by the return date that you don’t want, can’t use or have buyer’s remorse
8) Sell used items to a 2nd hand store
a) books, toys, clothes, computer and audio equipment, dvds, cds
9) Cash in coins that you have been keeping
10) Find a way to bring in extra income
a) additional employment
b) trade services with people
a) referral money on contracts such as home heating oil
2) Seek reimbursement from employer
a) professional fees
b) travel expenses
3) Check your safety deposit box
a) savings bonds that have matured
4) Bonuses
a) save the money for a rainy day rather than splurging
5) Credit Card Rewards Programs
a) opt for the statement credit rather than the product or gift card
6) SKIP THE IMPULSE BUYS
7) Return items by the return date that you don’t want, can’t use or have buyer’s remorse
8) Sell used items to a 2nd hand store
a) books, toys, clothes, computer and audio equipment, dvds, cds
9) Cash in coins that you have been keeping
10) Find a way to bring in extra income
a) additional employment
b) trade services with people
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