It seems like people are always telling me that they shop at Walmart because they can save the most money. I have to politely disagree. So many people seem to believe the myth that Walmart has the lowest prices, so I think it’s time to prove they are wrong. Last night I spent quite a while going through my Walmart and jotting down the lowest prices available for the items on my price list. Most of these were the generic {Read More}
Walmart Lowest Price List – First Stage
April 1, 2012 by 8 Comments
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Would You Pick Up a Penny?
March 30, 2012 by Leave a Comment
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My hubby said a couple of months ago that he had hesitated to pick up a penny in front of some friends that day. He said he should have just picked it up anyway because it was worth it. I agreed with him, but since I like proof, I decided to do my own silly experiment. It took me almost 30 seconds to pick up 10 cents. (completely bending over and completely standing up each time before taking a step {Read More}
How Much is a New House or Car Worth to You?
March 29, 2012 by 2 Comments
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It’s time to buy a new car for your family. You go to the car dealership and after some haggling get the sticker price of $22,000 down to $20,000. The payments fit well within the $350 budget you have. Except that after making payments for 6 years the great price you haggled for swells to over $24,000. Not such a great bargain anymore. The real estate market is a buyer’s market so you take the plunge into home ownership. A {Read More}
The Power of Saving or Spending $1 a Day
March 22, 2012 by 1 Comment
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A couple of weeks ago I shared with you how spending a single dollar while we still owe money to someone else can mean $3-$5 extra that we end up paying on that debt. Not that it’s completely bad to spend $1 here or there on extra things, we just need to put it into perspective and realize that it is a big deal. Let’s talk $1 a day for 40 years. To make the math simple we’ll say $30 {Read More}
Curbing Your Temptation to Buy Things you Don’t Need
March 15, 2012 by 3 Comments
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I’ve talked before about the “See not, want not” principle when it comes to your spouse and children and the expensive food or personal care items that you’ve purchased. Basically, if they don’t see it, they won’t be tempted to eat or use it. Sometimes we forget our own temptations though. Every trip we take to the store and every commercial we watch on tv tempts us to buy something that we probably don’t need. Just this week I bought {Read More}
It’s Just a Dollar – No Big Deal! Right? Wrong!
March 8, 2012 by Leave a Comment
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It’s so easy to spend a dollar. A single dollar is such a miniscule part of the amount we earn that we don’t feel guilty spending it. I’m not immune to spending a few extra dollars here or there and blowing it off as an inconsequential amount of money. This bit of mathematics may help us all understand that every dollar does count, it’s actually worth $2 – $5! For the majority of us, every dollar we earn is taxed {Read More}
1st Step in Getting Out of Debt – Creating a Budget Part 1
February 19, 2012 by Leave a Comment
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Let’s face it- almost everyone has debt. Statistics say that more than 80% of American families are in debt. Mortgages, college loans and auto loans are all forms of debt. While those are all legitimate expenses, the reality is that the bank owns your home or car. In the event of long term job loss most families would lose their home and cars because they can’t continue to make payments-even if they were 95% paid! The only solution to this {Read More}
Overage At Walmart- Do you Really Get It?
February 16, 2012 by Leave a Comment
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We’ve all been thrilled since Walmart’s coupon policy was updated to state they would allow overage. A few cents here and a few cents there quickly adds up to a dollar. But are you sure you’re getting overage? Many of you may not be, due to three letters : A couple of weeks ago I made it over to Walmart and used the $1/1 Bic stationery coupon to buy the $.97 pack of pens. In Texas, we are charged tax {Read More}
Your Band-aid: Things That Break the Budget and How to Avoid Them
December 29, 2011 by 3 Comments
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Over the past 3 months you’ve seen me post on specific things that can break a budget- everything from fast food to gasoline to candy. The past few weeks I’ve talked more about an idea of saving money rather than cutting something specific from your budget. We often do things to save money, yet still keep up with the same extravagant ways of living. Thus, we’re putting a band-aid on our budget instead of fixing the things in the budget. {Read More}
"There Was Only a Little Left" and "It’s only a Dollar": Things that Break the Budget and How to Avoid Them
December 22, 2011 by 1 Comment
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Do you or your kids have a weakness? I’ve touched on this before in this series, but wanted to come back to it. Last night I stopped in the dollar store to look for a couple of items for little Turkey’s big Christmas gift that we’re building. I didn’t find them but I left the store with 4 items for the kids’ stockings. Were the items worth $1 each? You bet. Did I need any more items for their stockings? {Read More}