Never Enough Money
by Abbie Reid on 02/19/12
I'm very guilty of saying that I never have enough money. What I was really saying is I never have enough money to splurge the way I want to. Whether you agree with it or not that's where the problem is.
As I thought about this very statement "never enough money" I began to do a research on google keyword tool to see if anyone else on there was searching that term. The answer is yes there are hundreds of people online searching something that is related to not enough money.
Below is some inquiries that individuals are entering into google search boxes in hope to find a solution to their money problem
1) not enough money
2) never enough money
3) do I make enough money?
4) am I making enough money?
5) not making enough money?
There are many others but for the sake of not making this post to long I shorten the list.
So you see never having enough money is a concern for many people. The problem is many of you really believe that your financial problem is simple that. But I disagree and know that the only problem most of you are having is that you are spending too much money on things.
There are so many things vying for your money and you are giving it to anybody that sells anythings.
So if you think you never have enough money try these
- Live below your means
- Reduce your entertainment activities
- Reduce the cost of your cell phone services, cable services and internet services
- Reduce your spending on gadgets
- Find ways to reduce your insurance premiums
- Reduce your grocery bills
- Keep track of spending so you can control it
If you just do a few of those things you will quickly see that you do have enough money.
Can you add to the list of things you can do to have enough money. Would love for you to share some.
Buying Expensive Clothes But Paying Cheap Prices
by Abbie Reid on 02/10/12
Last Saturday, my husband and I were riding and we saw a sign at a Church that said Thrift Store Open Today. When we went we never expected to buy anything, we just wanted to check it out.
But while browsing the store, my husband and I found so many things we liked.
My husband bought 5 pairs of pants and 1 belt. I bought 3 winter coats and 5 blouses. We bought all that for $40.
I was just about to go and buy myself the same coat at JC Penney's. The coat was on sale at JCP for $79.00. The only difference in the coat was that the one at JCP had a hood, but everything else looked the same.
All of the clothes we bought are nice. I'm so glad we went. I'm going back next week too. I need to buy some more items. Plus its helping out a church and I love that.
So you see you can buy expensive clothing; however you might have to go to a Thrift Store to get them.
What do you think about shopping at a Thrift Store?
The High Cost of Not Having Debt
by Abbie Reid on 02/07/12
Last month our car was wrecked and totaled. So we had to get another one. We started car shopping. My husband went to every auto dealer around the area we live in and even went outside of the area.
He did all the right things that you should do before purchasing a car.
First,
He decided he didn't want a brand new car but a good used car with less than 30,000 miles.
Second,
It had to be economical (fuel efficient, easily maintained and low insurance cost). We do live on a budget.
Third,
The automobile had to cost between $10,000 and $14,000. Those are the prices he thought would give him a lower down payment as well as a low monthly payment.
Results:
Well after looking for almost three weeks, he finally found a car that fitted what he wanted. Well almost fitted everything.
The Problem:
Getting the monthly payment he wanted. He ended up paying a larger monthly payment than what he wanted.
Why? He has no credit or should I say not enough credit which made him have a very low credit score. Mine is no better either because I don't have any credit at all. It’s been way over 7 years since I used credit. So the finance charges on our car are very high.
In conclusion, all this time we thought that not being in debt is a good thing, but learned just this year that sometimes it can cost you a whole lot of money.
What is your take on the subject of the high cost of not having debt/credit?
5 R's To Keeping More Money
by Abbie Reid on 11/02/11
I was surfing the internet and came cross a site that is catered to kids. One particular page on the site is title "100 small things to make a difference".
Cosidering that I'm always looking for new ideas to keep more of my money, I read this webpage and it talked about some things that children can do to make a difference in the world.
Here are 5 things that were mentioned.
- Reduce
- Reuse
- Recycle
- Repair
- Rethink
These things stood out so much in my mind. I begin to think that not only can these things make a difference in the world but can make a difference in my personal finances too.
Just think about it. How much of your money could you keep if you were to take those 5 R's and use them in your own personal financial life.
So I decided to write all 5 words down in my personal finance journal. Yes I do have a personal finance journey.
By each word I wrote:
1) Things I can reuse instead of buying it again, therefore keeping more of my money.
2) Things I can repair instead of replacing it or paying someone else to repair it, therefore keeping more money.
3) Things I can recycle and sell, therefore keeping more money
4) Things I can reduce that can help me keep more money
5) What I need to rethink in order to keep more money in my pocket.
What do you think of the 5 R's. Do you think by doing all five of them you can keep more of your money? Love to hear what you have to say.
By the way the site I mentioned earlier is http://practicalaction.org
Cheap Grocery List
by Abbie Reid on 10/29/11
I'm still trying to keep more money in my pocket. So today I'm looking into creating a cheap grocery list from now on. Hopefully I will be able to save at least $100 or more a month.
Here's a list of foods I think I can purchase that will reduce my grocery bill.
Frozen carrots
Frozen green beans
Frozen turnips
Frozen mixed vegetable
1 dozen of eggs
1 pound ground turkey
Turkey necks
Turkey wing
2 Canned Tuna
1 Canned Salmon
Well that's all I think I can buy that's going to be somewhat cheaper.
Do you have a cheap grocery list? Will you share it with the rest of us in the comment section. Thank you very much for sharing.
Consider A Few Small Things
by Abbie Reid on 10/27/11
On last month my computer decided to die. I work from home so I need a computer. I didn't have enough money to go purchase a new one so my husband decided to rent me one from one of those rent to own stores.
Well here's the problem. The rental is an added expense we didn't anticipate and we don't have the money to pay the rent on it. The rent is due Tuesday. The rent is around $29.00 week.
So I started thinking about what expenses we could cut in order to get the money. But all I could think of at this time is something big like asking the company that financed our car to give us an extention which will allow us to skip a payment this month.
Then I suddenly remembered another time that I needed some extra cash to pay for something. I remember doing something small. Sometimes you have to consider the small things. They can be easily overlooked.
Here's list of small things I can do to come up with the extra $29
1) Buy $10 less groceries for next week
2) Buy $10 less gasoline for the car next week
3) Buy $10 less household items
Well that equals $30. Wow I will have the $29 to pay for my computer.
Do you have something that you need to pay or buy but you don't have the money? List some small things you can do to come up with the money.
