Showing posts with label saving. Show all posts
Showing posts with label saving. Show all posts

Monday, July 23, 2018

30 Days of Financial Action: Day 1 -- Getting Started

30 Days of Financial Action: Day 1 -- Getting Started
I haven't blogged at Paying it Off One Penny at a Time in a really long time! I've just had so much going on, as well as a bit of (a lot of) anxiety and depression. 

But, I recently got my mojo back and am here to embark on renewing my journey to financial freedom!

Today, I am committing to blogging for 30 days about my DAILY financial freedom actions.

So, what have I done today towards my financial goals?

  • Some online data entry--my goal is to cross the $30 earnings mark today (I'm at just under $28) which is the minimum required to be paid. {{Edited: I crossed the $30 mark!}}
  • I added a few items to several craft supply destash bags that I have listed on local Facebook buy/sell/trade groups.
  • I made coffee AT HOME instead of going and buying a drink.
  • I did my own yard work until it warmed up enough for some bees to come out and start hovering.
My goals for the rest of today, financially are:
  • Bump up my Facebook buy/sell/trade listings.
  • Add my Facebook listings to NextDoor App and Let Go.
  • Keep on the data entry throughout the day, even if I cross the $30 mark.
  • See if a job I want has posted, and if it has, apply!
  • Get in touch with my accountant about some things he was supposed to send me.
  • Get in touch with my lawyer about my uncle's estate and probate issues.
  • Work on listings for one of my Etsy shops -- The Crafty Hermitress.
How about you? What are you working on in your financial freedom journey?

Come back tomorrow when I blog about online data entry--I found a LEGITIMATE online data entry company!

Saturday, July 9, 2016

Grocery Haul: July 1st, 2016 and the grocery savings and rebate apps I love

Paying It Off One Penny at a Time: July 1, 2016 Grocery haul and the savings and rebate apps I love
I happen to LOVE grocery haul videos on YouTube! I don't know why, but they get me kind of excited. I really like seeing how other people eat and what groceries in different areas of the country and at different stores cost compared to my own.

I'm not quite at the taking video stage yet, but I plan to get there. In the meantime, here is my grocery haul (well, part of it) from July 1st, 2016. I made a few additional stops over the last few days for more produce and staples that were cheaper elsewhere, but this gives you a basic idea of some of what we eat.

Please note, we are a family of two--a mom and a teenage boy. We also buy most of our produce separately at different stores so not a lot of produce is pictured here.

The apps I mention below are (please note, some are affiliate links):


and the website I print my coupons from is:

  • Swagbucks -- Go to the Shopping tab in the menu and then find the link for grocery coupons. With Saving Star, you get points for redeeming coupons. These points, along with points accrued from other activities via Swagbucks, can be redeemed for giftcards. Over the last several years, I have paid for my son's birthday and Christmas presents almost entirely with giftcards earned in this manner. Most months, I am able to earn an average of $20 in Amazon gift cards via Swagbucks. Sometimes I earn a bit more and sometimes I cash out for Starbucks gift cards instead. You can earn a lot more on Swagbucks, but it can be time intensive if you aren't picky. It can also generate a lot of unnecessary junk email if you aren't careful.  

Most of these apps and the website are only available to users in the USA, although I believe Checkout 51 is also available in Canada.

Since that haul, I did temporarily misplace my receipts so I am not totally sure of how much I spent or what my savings were overall, but I recall being pleased other than a hiccup with three coupons that I mention below. On average, I save 30 to 50% per grocery trip BEFORE applying rebate app savings. On occasion I get up to 75% savings. My dream, of course, is a 100% savings trip!

On to the haul...

We eat a lot of sandwiches so I picked up two packages of Oscar Mayer lunch meat--both on sale AND I had a coupon. I also picked up a package of dry salami (on sale) and two packages of pre-cooked sausages. And, for my son I picked up a package of pre-sliced Tillamook cheese. For cooking and baking, I picked up a package of Imperial margarine since I am allergic to dairy and thus can't use regular butter. The cheese was on sale AND a rebate was available via the savings app Ibotta. I printed the coupon for the lunchmeat via the website Swagbucks.
Sugary cereals aren't my ideal, but sometimes we need a super easy sweet treat. Cereal was on sale AND I had coupons printed from Swagbucks AND a rebate from Saving Star. We use rice milk in place of regular cow's milk and were running low so I picked up two containers. Our favorite bread was not in stock so I bought our second favorite as well as some bagels. The hamburger buns were on sale AND I had a rebate available from Ibotta resulting in the buns costing next to nothing. We just use them for regular sandwiches. 
We had run out of laundry detergent so I picked up a new bottle. My hair also has been unusually tangled and coarse lately, I think due to the water quality where we live now, so I also picked up some apple cider vinegar. Dilute it with water (I do about 20% vinegar to 80% water most of the time but increase the vinegar after swimming) and pour it over your hair after shampooing and rinsing. Then, rinse it out. The tangles come out so easily! It's like magic!

I also bought some bulk oatmeal, unbleached flour, and sugar to make blueberry muffins--I guessed on how much of each I would need and my guess was spot-on! I also bought my favorite jelly (with a coupon) and muffin tin liners for the blueberry muffins. The jelly jar also will eventually become a bulk spices container once the jelly is all gone and I've washed out the jar. 
Lighbulbs...I bought a reading lamp after our move due to not enough natural light in our space, and the only bulbs I had available were much to high in wattage.
PRODUCE! You can see the blueberries in the back, then two bell peppers, one bunch of radishes, a pound or so of green beans, zucchini, and tomatoes. I had rebates for the peppers and zucchini via Ibotta. I also had a rebate for tomatoes through the app Checkout 51.
Snackies... The Wheat Thin crackers were on sale and I had a rebate available through Checkout 51. I had coupons for the Justin's nutbutter packets that should have made them free, but they resulted in an error message each time the cashier tried to use them. I ended up paying full price for each nutbutter packet and plan to write to the company for a refund due to the coupon problem. I also received a rebate on the Luna bar from both Ibotta and SavingStar and a coupon and a sale price resulting in my $1 Lunabar costing me only 25-cents! The pretzel bites and soda...no comment! My son actually bought the chips himself but gave me the cash and tossed them into our cart.
My work schedule makes it hard for me to prepare three meals per day every day for both of us, so my son gets more frozen foods than I care to admit. The Morning Star patties are for me though.
These next three pictures show my shopping and savings method. I write out a list of what's on sale from each store I frequent with the sale prices, item names, item sizes, and any limitations. Then I also mark (SC) if I have a store coupon, (C) if I have any other coupon, and then abbreviations for any apps that have rebates or offers on the items on my list. 

So, I might write:
  • $1 Luna Bar (C) (Ib) (S*) to indicate that Luna bars are on sale for $1 but I have a coupon plus rebates available from both Ibotta and Saving Star.

I also note the rebates I have selected from Ibotta, Saving Star, and Checkout 51. At the top of the page, I make a list of anything else on my shopping list. After I get home or get back to my car, depending on how many rebates I need to take care of or how many stops I've made, I process the rebates. For Ibotta, Saving Star, and Checkout 51 and my local stores, this involves scanning the barcodes on most items (the apps include the scanning mechanism) and taking pictures of the receipts. Ibotta pays out the fastests after scanning your items, but Ibotta and Checkout 51 both require that you accrue $20 before you can actually get the rebates sent to you. Saving Star has a threshold of $5 before you can request your rebates. 

I also recently started using Shopkick. I'm so new to it that I have yet to decide how useful it will be. It appears that you can get deals and savings through Shopkick, but I am far more interested in the fact that you can accumulate points (called "kicks") just by walking into certain stores or by scanning the bar codes on selected products. Right now I have 275 kicks. 

You can trade the points in for gift cards ranging from Starbucks to TJ Maxx/Homegoods/Marshalls to clothing stores to Wal-Mart. Some are available for as little as 500 kicks, but that is only for a $2 gift card. My current goal is 1250 kicks for a TJ Maxx/Homegoods/Marshalls gift card as we moved at the start of June and have lots of things to replace! Our move was far enough that we got rid of almost everything we owned before moving (sold, donated, or trashed everything!).

If you use Shopkick or Swagbucks and redeem your points or kicks for Starbuck's gift cards, be sure that you register one card and transfer all of your balances to it via Starbuck's! That way, every time you make a purchase using your Starbuck's gift card you can earn Star Rewards--points towards free drinks, food, and merchandise. Most of the time you earn 2 stars for every dollar spent, but there are monthly double reward days and other deals and specials that can greatly increase your stars and your potential for freebies. 

What other apps or saving programs do you utilize? I have downloaded a few others but either they don't have items available that I would use or they aren't as easy to navigate. 

Sunday, December 13, 2015

The exceptional value of a penny


pennies debt

A penny is worth so much more than it's literal one-cent value. If you think about it, in the United States, no other denomination of money has any value without the penny.

So, I want to know -- do you pick up pennies when you see them on the ground? Do you keep them and count them up? Do you always make sure to have four pennies in your pocket, just in case?

Or, do you think of pennies as annoying wastes of space or having little value?

I ask because I recently watched THIS Marie Forleo video in which Marie spoke about money habits, including habits like picking up change if you see it in the street or organizing your money neatly and in order in your wallet.

I started thinking about the vast difference between how I treat my money versus how my ex treated money while we were together (and I suspect his habits haven't changed much).

My ex used to HATE pennies. He hated them so much that he would literally throw them out the car window while driving or in the trash if he was at home or out walking somewhere! Can you believe that?

He was LITERALLY throwing away money!

We kind of had a constant ongoing argument over pennies. I believe a penny is much more than simply one-cent. A penny is a lot of value that can add up quickly -- one penny alone may not be much, but ten pennies is a dime. 100 pennies are a dollar. A thousand pennies are ten dollars. And so on...

Pennies have extraordinary power and value that I cherish. 

Every time I saw my ex throwing away pennies, I felt a rock drop in my stomach. He saw himself throwing away a nuisance. I saw him throwing away our financial stability and our son's future (like, throwing away college tuition). 

Next time you see a penny on the sidewalk, pick it up. Take it home and drop it in a cute piggy bank, jar, a box, or whatever receptacle makes sense for you. Make a habit of dropping all of your change into this container! It will add up faster than you might think and it could potentially save your financial butt or at least ease a tight financial spot.

There have been times when money was tight and my little piggy bank (that actually looks like a monkey) has gotten me through. I may not have had enough paper dollars to buy all of the groceries we needed or to get gas to drive to work, but because I have the habit of tossing ALL of my change into my little piggy bank, I was able to see myself through in a pinch. Right now, I have almost ten dollars in change in that little coin bank with another couple of dollars in change in my wallet that I'll be dropping into the bank soon.

And, this may seem silly at first, but lately I have been working on changing my mindset around money from one of stress, dread, and worry to one of appreciation and blessing. Every time I drop coins into my little bank, I say to myself, "Thank, you Universe for this blessing" before inserting each coin. At first I didn't notice any effect from this habit and it seemed like it was just wasting my time because I don't just say it once and drop in all of my collected coins. Nope, I say it for each individual coin I put in my little bank. Now, however, after several weeks of doing this, I find that this ritual helps me to slow down, calm down, and appreciate that I CAN and I WILL dig myself out of my financial hole.

Getting debt free is about baby steps, persistence, and understanding that I can do it -- even if it's one penny at a time.

~*~*~*~*~
Did you like this post? Check out these posts as well:
 ~*~*~*~*~
DEBT TRACKING:
Original total: $110,000
Paid off yesterday: $0
New total: $109,950 

~*~*~*~*~

Coming soon -- a blog post about how I am using coloring to motivate my debt pay off plans. Want to join me on my coloring to debt freedom plan? You can get your coloring pages in my Etsy shop -- it doesn't matter which pages you select; what matters is that you get started. Look for that blog post later this week!
http://marblesandjam.etsy.com