A Life Worth Living by Nancy Buxton

Archive for the ‘economy’ Category

What About the Bargains?

Have you missed me telling you about the bargains I have been finding.  Have you missed my LOL’s when I  come home with several bags of products for pennies?

I have to tell you the bargains in couponing have dwindled considerably.  Is it a sign of the times?  Idk–if you don’t know what that means you must not text LOL. (I don’t know)  I don’t text much myself so don’t think you are the only one that still talks on the phone.  I miss my couponing days and I hope they come back soon.  I still find a good deal now and then but not like I use to.

In the mean time, I still believe we must take care of our money.  As I garage sale during the summer months, I am astounded at the things people pay big money for and then turn around and nearly give it away at a garage sale.

When I look around my house and see the stuff I have spent good money on and realize I don’t even like most of it, it makes me stop and think how much money I would have had I not spent  foolishly.

Today I bought my grand daughter a mocha something or other from Starbuck’s, it was pennies short of $5.00 for one drink.  Think of the people who do this nearly every day.

We have some friends who were paying nearly $100 for cable tv, they didn’t even use half the channels they were paying for.  They also were paying by the minute for their long distance.  They didn’t know there are plans that have a flat fee for long distance.

My sisters, we must get smart about our spending.  Think about your expenses, is it necessary to have unlimited texting for the whole family? Do you need a land line?  What about gym fees, downloads, bottled water, eating out and a dozen other expenses. 

The Lord expects us to be good stewards, let’s start now.

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L. O. L.

LOL.  . .Do you know what that means?  It stands for Laugh Out Loud, yup that’s what it stands for, have you had your laugh today?  Do you know it is actually healthy to laugh and the heartier the laugh the better it is for you.  “They” say it builds endorphins.

 

Maybe you are wondering what I am laughing at; here it is plain and simple. I am laughing at my bargains I got at Walgreen’s.  You know I have already told you how much I love getting bargains, yesterday I brought home 6 tubes of toothpaste and some Axe Shampoo for men and the total was $7.32.  Now here’s the kicker, I paid nothing out of pocket, in couponers language that would be said nothing OOP.   Here is how I did it. . .I had 6 coupons for .75 off of Colgate Toothpaste and in Walgreen’s Easy Saver Book there is a $2.50 coupon on page 23, combining the Easy Saver coupon and the manufactures coupon gave me $3.25 off of the $3.49 purchase price so my toothpaste cost .24 each plus tax.  My Axe Shampoo is a rebate item this month and when I send in my rebate form I will get the price of $5.99 back so the shampoo will be free except the tax.  Now remember I told you I didn’t pay a thing OOP, that’s because I had rebate money on my gift card from last month.

 

Okay, Okay I know it sounds complicated and believe me I have paid a lot of tuition learning about coupons by the mistakes I have made but I am able to supply my family, shelters and other organizations with the good deals I get.

 

I know we are responsible for watching over the resources God has given us and this means our time, money and everything.  It is not always easy to be watchful but I have found it is fun and enables me to give back.

Have I Told You?

I know I haven’t told you that I am a. . .well, a. . .a… a… a bargain hunter.  I love a good deal.  I clip coupons and I use them.  I even file my coupons and I have stacks of them.  I have been known to dig through the recycling bin to find just the right coupon.  It is a little embarrassing when someone recognizes me.  On day a lady even expressed her sympathy for my having to do this because of the economy.  I didn’t tell her I don’t HAVE to do it, I like to do it, any way I don’t have to yet. If I worked for AIG and got one of their fat bonuses I would never have to do it.

Here it is, right here in print, I am a CVS and Walgreen’s junkie!  I find really great buys at both of these stores combining my coupons and the weekly specials.

I want to give you some ideas on how to save money at the grocery store, here goes:

1.  Look at the weekly ads online or in the newspaper before you go to the store.  This way you can match your clipped coupons with the specials.

2.  Combine online printable and clipped coupons with specials.  There are even bloggers who blog what special and what coupon works best.

3.  This is a hard one for me!  Make a meal plan.  Start by going through your cupboards and fridge to know what you have on hand.  You do save money by using everything you have and not throwing away any thing.

4.  Another hard one.  Shop at several stores.  Each store has good deals try taking advantage of each special, if it is not miles out of the way.

5.  Don’t impulse buy.  If you make a list you will know exactly what you need and don’t buy any thing more.  Make it a game.

6.  Watch your sizes!  The price is broken down by price per unit sometimes the larger size is the best buy but not always.

I wish I would have been more frugal years ago, we would have a little more savings but live and learn.  Actually, I believe it is my responsibility to take care of the money God has given me. Dave Ramsay has a saying, “live like know one else today so you can live like know one else later.”  You see giving back is the fun thing about having a little extra money.   Oh I feel another blog subject coming on.  I think it will be called living without debt

 

Why Are We in This Mess?

I read this account of what our financial problem is. It gave me food for thought.

David Beim, a former banker who is now a professor at the Columbia Business School, has something to say for people who want to pin this whole thing on the banks.

He has a chart illustrating how much debt American citizens owe, how much we all owe — with our mortgages and credit cards — compared with the economy as a whole. For most of American history, that consumer debt level represented less than 50 percent of the total U.S. economy, as measured by gross domestic product.

And then …

“From 2000 to 2008, it’s almost a hockey stick. It just goes dramatically upward,” Beim says. “It hits 100 percent of GDP. That is to say, currently, consumers owe $13 trillion when GDP is $13 trillion. That is a ton.”

This has happened before. The chart shows two peaks when consumer debt levels equaled the GDP: One occurred in 2007, the other in 1929.

And that scares Beim.

“That chart is the most striking piece of evidence that I have that what is happening to us is something that goes way beyond toxic assets in banks. It’s something that has little to do with the mechanics of mortgage securitization, or ethics on Wall Street, or anything else,” Beim says. “It says: The problem is us. The problem is not the banks, greedy though they may be, overpaid though they may be. The problem is us.”

What do you think? Do you agree?

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