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Newest Member: ThrownAwayTwice (43226)

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User Topic: Personal Finance
SI Staff
Moderator
Member # 10
Default  Posted: 11:51 AM, October 19th (Friday), 2007View ProfileEdit MessagePrivate MessageHomepage

Tips and/or learning to help build up and improve finanical responsibilities.

Posts: 10000 | Registered: May 2002
Puppyb
♀ Member
Member # 15226
Default  Posted: 11:55 AM, October 19th (Friday), 2007View ProfileEdit MessagePrivate MessageHomepage

Thanks Mods....

Just share with you one link I saved on my laptop, hopefully it helps.

https://www.vancity.ca/MyMoney/Tools/Calculators/

[This message edited by Puppyb at 12:15 PM, October 19th (Friday)]


My current love:-
http://blufiles.storage.live.com/y1perkrFH89ZT1rQyAs5Flq04xyZr004AJTaJkH9NmW_JBi-sm0FpPlTXr8atJSXWLK

Posts: 1556 | Registered: Jul 2007 | From: Toronto, Canada
findingme32
♀ Member
Member # 12833
Default  Posted: 1:01 PM, October 19th (Friday), 2007View ProfileEdit MessagePrivate MessageHomepage

Cool site, thanks puppyb. My WH really wasted a lot of money due to his need to validate himself and it is ranked top along side his A.


One sided love is NEVER enough!

Posts: 1159 | Registered: Dec 2006 | From: I'm not sure anymore...
Threnody
♀ Member
Member # 1558
Default  Posted: 1:59 PM, October 19th (Friday), 2007View ProfileEdit MessagePrivate MessageHomepage

For people who are currently pinching pennies or trying to reduce your overall spending, I have found this is the BEST way to save on groceries:

www.grocerygame.com

I have whittled a $200/week shopping trip down to an average of $120. It's couponing, but more than that it's trend-tracking on merchandise sales so you get the BEST money saved while using a coupon. It helps you stockpile items as well, like toilet paper, cleaning supplies or non perishable/long-life foods. I went for six months without having to buy cereal, toilet paper, ketchup and mustard, laundry or dish soaps, sodas and diapers. Yes, diapers. That stuff is EXPENSIVE when you add it all up.

If you have a buddy to trade coupons with, it's even better. You trade what coupons you don't use for ones you do, then go buy and add to your stockpile.

Keep a spreadsheet on what the grocerygame.com membership fee is, associated newspaper cost is, and what your grocery receipt discount is. It will take about four weeks for you to see the REALLY big savings hit, but you'll stand up and cheer when you see the final math at that point.


“If you don't like my opinion of you, you can always improve.” ~ Ashleigh Brilliant
"Great love requires determination." ~ tryingtwo
"Don't try to win over the haters, you're not the jackass whisperer." ~ Brene Brown

Posts: 14039 | Registered: Jun 2003 | From: Middle-of-Diddly, TX
Puppyb
♀ Member
Member # 15226
Default  Posted: 2:08 PM, October 19th (Friday), 2007View ProfileEdit MessagePrivate MessageHomepage

For Canada coupons

www.save.ca


My current love:-
http://blufiles.storage.live.com/y1perkrFH89ZT1rQyAs5Flq04xyZr004AJTaJkH9NmW_JBi-sm0FpPlTXr8atJSXWLK

Posts: 1556 | Registered: Jul 2007 | From: Toronto, Canada
dreamlife
♀ Member
Member # 8142
Default  Posted: 3:21 PM, October 19th (Friday), 2007View ProfileEdit MessagePrivate MessageHomepage

A lot of the stores here don't accept coupons...& I have to face the fact that they tend to drive me Crazy.

I usually buy items on sale 3 @ a time & it goes into my pantry with shelves or my freezer.

These are long life items/dry goods/canned or meat/turkey, etc., I do incorporate into meals often.

I do the usual cook for an army & freeze portions so all I have to do is defrost/reheat.

I bought 2 turkey wings for $1.26 and they bubbled away on my stove for 2 nights in a row
& this helped to heat my home as well. (It sure beats turning on propane-fueled whole house furnace!) I made a delicious turkey soup by adding a can of French onion soup, 1-2 C. of frozen mixed veggies, spices, a pinch of red pepper flakes, & egg noodles.

Or, I'll cook chicken & ribs in my stew pot, freeze them for spring/summer BBQ's, & use the skimmed off stock for soups or Spanish Meatball stew.


~XWH told me what I wanted to hear but he always did whatever he wanted to do~

Posts: 25351 | Registered: Sep 2005
misto1976
♀ Member
Member # 14803
Default  Posted: 3:43 PM, October 19th (Friday), 2007View ProfileEdit MessagePrivate MessageHomepage

My boss swears by the grocerygame site! It seems like a really good deal.


Me - FBS/FWS (EA) 31
Him - FBS/FWH 30
Three kids
DDay - Feb. 21, 2007
R - Feb. 23, 2007 Still working every day
OW - is a not going to invade my thoughts anymore :)

Posts: 218 | Registered: May 2007 | From: Texas
I_used_to_smile
♀ Member
Member # 14113
Default  Posted: 6:13 PM, October 19th (Friday), 2007View ProfileEdit MessagePrivate MessageHomepage

I had to learn to STOP using all credit cards. I owe more in credit card debt, just me myself alone, than I make in a year. While TBXH was still here, it didn't seem like such a big deal. Now it's terrifying.

If this is you. Stop. Think about every purchase. Run your balance owed through a mortgage calculator to see how long it will take to pay off each card. Once your breath comes back, and your heart starts beating again, print those off and post them. Put a copy where you usually sit to pay your bills. Make a determined and disciplined effort to throw extra onto the high rate cards. Every little bit helps. Pay off the high rate cards first.

Call your creditor to ask them to reduce your APR. Sometimes they will, and sometimes they'll be hardasses. (Bank of America, I'm looking at you!) Again, every little bit helps. If they'll reduce it for 3 months, try to pay as much as you can during those 3 months.

Do you really NEED 5,084 channels on tv? No - they're all shopping channels anyway, which you shouldn't be doing. Drop to the lowest level of programmimg available. Yeah, you'll miss it at first, but not forever.

Shop at generic/big lots/no frills stores. Investigate whether it makes sense for you to get a membership to Sam's Club or something similar and buy in bulk.

Cook extra when you make dinner and pack lunch-sized portions to freeze to take to work. Drink water and take coffee in a thermos. Starbucks and Dunkin' Donuts have great coffee, but at $3-4 per cup? It adds up.

If you're running out of money before the next paycheck or support payment (and I'm sure 99% of us have been there/done that), consider paying for a financial counselor to look at your situation. It's what they do - find ways to make money go farther. There are also state and local programs which offer free financial counseling.

Dollar stores are great for certain types of things. If you've never been, investigate to see what they offer. I will never pay regular store prices for gift wrap/bags ever again.

None of these are original suggestions, all help to economize.


"Activity and sadness are incompatible."

- Christian Bovee

"It serves me right for putting all my eggs in one bastard."

- Dorothy Parker


Posts: 1373 | Registered: Mar 2007 | From: East coast
Puppyb
♀ Member
Member # 15226
Default  Posted: 6:19 PM, October 19th (Friday), 2007View ProfileEdit MessagePrivate MessageHomepage

Great tips I_used_to_smile

Thanks for sharing


My current love:-
http://blufiles.storage.live.com/y1perkrFH89ZT1rQyAs5Flq04xyZr004AJTaJkH9NmW_JBi-sm0FpPlTXr8atJSXWLK

Posts: 1556 | Registered: Jul 2007 | From: Toronto, Canada
dreamlife
♀ Member
Member # 8142
Default  Posted: 8:52 AM, October 21st (Sunday), 2007View ProfileEdit MessagePrivate MessageHomepage

Yes, great tips!

My freezer is My Best Friend.

My daughter calls me:
"The Freezer Queen"!


~XWH told me what I wanted to hear but he always did whatever he wanted to do~

Posts: 25351 | Registered: Sep 2005
notmyfairytale
♀ Member
Member # 15348
Default  Posted: 11:38 AM, October 21st (Sunday), 2007View ProfileEdit MessagePrivate MessageHomepage

I work for a bank in the mortgage department, I am availiable for questions, concerns or as a sounding board on credit questions. While I am not a certified credit counselor, I did work for Equifax in the customer service department. Will be happy to help anyone who needs it, I am only a PM away.


me- 30 FBS
him 38 FWS
MadHatter in my First M

Reconciled.

Proud member of the purple Dyson club.

Handle every stressful situation like a dog. If you can't eat it or play with it, pee on it and walk away.

Have you hugged your MOD today?


Posts: 1729 | Registered: Jul 2007 | From: SC
closertofine
♀ Member
Member # 14662
Default  Posted: 10:18 PM, October 21st (Sunday), 2007View ProfileEdit MessagePrivate MessageHomepage

Yippeee! I'm so glad this was started!

I'm always looking at ways to save money. Especially now.

I'd like to share a site that I recently found. Lots of great articles.

http://zenhabits.net/2007/07/the-12-step-get-out-of-debt-program/

[This message edited by closertofine at 10:19 PM, October 21st (Sunday)]


"Scrape. Feel. Dig. Believe. Ask"- Douglas Coupland, Girlfriend in a Coma

Posts: 1486 | Registered: May 2007 | From: Manitoba
wasfooled2
♀ Member
Member # 13783
Default  Posted: 2:13 PM, October 22nd (Monday), 2007View ProfileEdit MessagePrivate MessageHomepage

We did the grocery game for a while, but stopped. Found that we saved so much money each money that we didn't need to pay the grocery game lady anymore.

Question --- When you are super duper in debt, what should the bill priorities be each month, if you know you can't pay them all?


(Me) BS-39
(Him) WS-41 (serial cheater)
D-Day #7 2/24/07 (lost count)
Married 15 years; together for 23
Reconciled, or so I thought. Separated & divorcing.

Better off I sparkle on my own ~ Anna Nalick


Posts: 5583 | Registered: Feb 2007 | From: Chicago Suburbs
notmyfairytale
♀ Member
Member # 15348
Default  Posted: 11:03 AM, October 23rd (Tuesday), 2007View ProfileEdit MessagePrivate MessageHomepage

Mortgage/Rent and Utilities first. YOu have to have water and a place to live... you do not need cable or the cell phone. Then prioritize after that. The list I give to my clients is always this:

Rent/Mortgage
Lights
Water
Heat
Car and Insurance
Phone
Then prioritize due to your individual needs. If you are on medications, I always put that in the top 3 as well.


me- 30 FBS
him 38 FWS
MadHatter in my First M

Reconciled.

Proud member of the purple Dyson club.

Handle every stressful situation like a dog. If you can't eat it or play with it, pee on it and walk away.

Have you hugged your MOD today?


Posts: 1729 | Registered: Jul 2007 | From: SC
Beacon
♂ Member
Member # 16455
Default  Posted: 1:59 PM, October 24th (Wednesday), 2007View ProfileEdit MessagePrivate MessageHomepage

I'm going to jump in. On a different note, (I posted this in another forum too) if you don't have separate accounts from your spouse then I highly recommend that you get separate accounts. As long as you can agree on who pays for what, and the bills get paid, then whatever is left over is yours and you don't have to answer to anybody about how it is spent. In my previous marriage, the XW paid all the bills and I had to ask for money. This marriage, we both have separate accounts, my wife pays for her bills and I pay for mine. Luckily, my wife and I don't argue about money.


Divorced 4 years ago

Posts: 175 | Registered: Oct 2007 | From: Texas
beach
♀ Member
Member # 7533
Default  Posted: 2:28 PM, October 24th (Wednesday), 2007View ProfileEdit MessagePrivate MessageHomepage

Thank you for starting this!


ETA: Has anyone read "Extreme money make over"? I have tried some of the things that author suggested.

Use debit card.
I don't carry cash anymore..

[This message edited by beach at 2:38 PM, October 24th (Wednesday)]


If you don't find peace with yourself, you cannot find anywhere else.
Appreciate and cherish what I have.

Posts: 8680 | Registered: Jul 2005 | From: midwest
wasfooled2
♀ Member
Member # 13783
Default  Posted: 4:16 PM, October 24th (Wednesday), 2007View ProfileEdit MessagePrivate MessageHomepage

Thanks, NMF.

I definitely have to put medications up there...I spend about $350 a month on copays!!

Does anyone know if credit card companies will ever cut you a break if you are having financial problems? Deferred payments or something?


(Me) BS-39
(Him) WS-41 (serial cheater)
D-Day #7 2/24/07 (lost count)
Married 15 years; together for 23
Reconciled, or so I thought. Separated & divorcing.

Better off I sparkle on my own ~ Anna Nalick


Posts: 5583 | Registered: Feb 2007 | From: Chicago Suburbs
unabletocope
♀ Member
Member # 11730
Default  Posted: 4:41 PM, October 24th (Wednesday), 2007View ProfileEdit MessagePrivate MessageHomepage

Was- yes, they will (sometimes). Call and talk to them. Tell them what's going on and ask for a lower APR. Ask for a deferment. Many of them will help you out rather than risk never getting anything.

Same goes for many mortgage companies.


me-LTA BW


Posts: 2598 | Registered: Aug 2006
notmyfairytale
♀ Member
Member # 15348
Default  Posted: 5:00 PM, October 24th (Wednesday), 2007View ProfileEdit MessagePrivate MessageHomepage

Yes! Call the mortgage company before you miss a payment, and credit card companies will also work with you but usually AFTER you become late. PM me for more info on how to deal with the credit card peoples. You sometimes have to get nasty before they will agree to reduce the APR.


me- 30 FBS
him 38 FWS
MadHatter in my First M

Reconciled.

Proud member of the purple Dyson club.

Handle every stressful situation like a dog. If you can't eat it or play with it, pee on it and walk away.

Have you hugged your MOD today?


Posts: 1729 | Registered: Jul 2007 | From: SC
wasfooled2
♀ Member
Member # 13783
Default  Posted: 12:32 PM, October 26th (Friday), 2007View ProfileEdit MessagePrivate MessageHomepage

Tried some of the CC companies. They said no. Calling mortgage co. today. I hate this. I never would have guessed my finances would be going down the toilet so suddenly and so fast!!


(Me) BS-39
(Him) WS-41 (serial cheater)
D-Day #7 2/24/07 (lost count)
Married 15 years; together for 23
Reconciled, or so I thought. Separated & divorcing.

Better off I sparkle on my own ~ Anna Nalick


Posts: 5583 | Registered: Feb 2007 | From: Chicago Suburbs
Topic Posts: 79
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