Saving Money – The Challenge & How to Overcome!

I get asked quite frequently how I manage to save money. It’s simple, I use a few different methods that work for me. Once you start and get in a routine with saving, it becomes second nature.

Here are a few tips that help me save!

1. I use a mason jar and have a bingo savings chart taped to the front. It is a fun way to start saving, without having the feeling that you’re super broke. You basically can either mark off 1 number a week or whenever you want to put a little money aside. Depending on if you’re strapped for cash or can let a little more go to the jar. It’s a great method for saving because you can put $1 away, $5, $50, whatever you can spare for the week. I tend to mark off a number and then hide the jar out of site so I’m not tempted to use the money. I love this method because I love seeing the colorful squares get filled up. Makes me excited to save money!

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2. The 2nd thing I do to save money, is use Swagbucks. For me, it’s a great way to earn a little extra money for things like car parts, Christmas gifts and more. That means I don’t have to spend money from our paycheck on fun stuff. If you already make a lot of money and just want to do it as a way to save money, then that’s a great thing too! You can totally earn money on there and put that in the jar and just let it grow.

Here’s my link to sign up!: http://www.swagbucks.com/refer/dumptdaily

3. Coupons – Yes, couponing does help me save money. I always check to see what coupons are currently out and if there’s anything out for what I usually buy. The other week there was a great coupon for cereal and a deal at Walgreens. So I ended up getting 5 boxes of cereal for hubby for $0.88 each! Definitely way better than spending $2+ a box.

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Those are the basic things I use to help save money. Even if you’re working part time, you to can save money! Even if it means putting $1 aside a week. It’ll add up over time. Honestly though, it does take a LOT of dedication and restraint to save money. You have to be willing to put aside the money and not touch it. But don’t give up! Reach those goals!

 

xoxo Katie

Saving Money

Any of you ever go above and beyond to save money? Ya know, for a rainy day – aka – an emergency? 

Starting back in January, I decided to go ahead and try to save money. Yes, I am unemployed but I figured between selling crafts and photography, I could save some of that money each week or so and have a good little emergency fund.

I had heard about this 52 week money saving challenge and wanted to give it a shot. I went out and grabbed a pickle jar [still smells like pickles even after cleaning it] and then printed out the chart so I could keep track. I am now saved up till April 9th when I will have to put another $15 in for the week. I do think when it gets closer to December, that’s when I will have issues saving up a ton.

16906347306_ac48196f6b_o16744610168_8f07232e48_oToday, I ended up trading out $20 worth of quarters for a $20 bill from Dad. He has a Harley Davidson piggy bank that he puts all his spare change in, so I figured he wouldn’t mind having a bunch of quarters in there. Ha Ha. 

What are your money saving techniques? What works best for you?

 

xoxo Katie

The Struggle is Real

Ever find yourself running low on cash and wondering where it’s all going? Well most likely, you aren’t budgeting and money is going into stupid things instead of the really important things such as: Rent, Car Insurance, Bills (general). I fall victim of getting paid and then not knowing where my money went a few weeks later. When you look at it, we make a decent amount of money for the most part. We’re not rich but we’re not living off minimum wage either. There are days I will look at what we make and add up mine and Steven’s incomes and think , “Holy crap! We have this much money!” and then at the end of the month it’s more like, “Where did all that money go!”. Bills only take up about $1100 of what we make. So what’s happening to the rest of our income? Well, thanks to this lovely lady over at Thirty Handmade Days, she’s posted a great budget planner for everyone to print out. It helps you keep track of what you’re spending on bills, groceries and extra expenses for the month. There’s also a grocery list available as well as a monthly meal plan.

 

Over the years I’d say I’ve been really frugal with my money spending. I’m not the type of woman to go out shopping everyday and buy purses and jewelry that I will not use or wear. I tend to hold onto what money I have for as long as I can. I do fail at holding onto my money when it comes to going out to eat. I think most of you feel the same. You get home late from work and you don’t have anything in your kitchen to cook and are too lazy to go to the grocery store and then come home and cook . . .so we just go out and get the closest fast food we can and deal with it. Yup, happens to us all at some point. I’ve decided that this year, I’m going to change that! I’m going to crack down and start making more and more meals at home and saving the hubby and me some money.

My reasons for saving money: 

  1. I’m saving money….duh! more money more money!
  2. I dream to own a house one day
  3. I want to have my wedding in California
  4. Emergency back up for vet bills and medical bills
  5. Emergency back up for car issues

With a new year comes new goals. My goal for the year is to start putting more and more money into my savings account to have for emergencies. I also plan to keep a jar of coins (hidden from the hubby since he likes to dip into it too much) and use that toward a house or vice versus. Either way, I want to start saving money. I’m tired of it getting down to the end of the month and having to pay bills and something like a vet bill keeping me from getting my cat’s medical issues taken care of. Hopefully I can stick with this and get a good chunk of money set aside by the end of the year.

My savings goal: reach $1200 by the end of the year

 – – – – If you have any money saving tips, please feel free to leave a comment below and let me know what works for you! – – – –

Rant Rant Rant

Seems like lately all I’ve done is rant about stuff. Ha Ha! Hopefully that is all over this weekend. I just want to make it be known that I am done helping people out. I’ve had numerous people come to me wanting me to teach them how to coupon but in reality, they just want me to do all of the work. Find the deals, get the coupons, tell them exactly what coupon to use where and for what item. It’s ridiculous and I’m just over it. I start out explaining how to do it and then the person either gets uninterested or like I said, wants me to do the work. I don’t mind going couponing for you, if you give me money to actually get the items that you want. I’m not, however, going to use my money to get the items

Money Money Money!!!! Money!

you want and give them to you free of charge. That’s crazy! I also don’t mind people coming over to buy stuff from my stock for 50% off retail. Lots of people think it’s okay to ask me numerous times for stuff that I’ve gotten, “Hey I want some of those!!” “Can I have some of these?” “Hook me up”. No! I also don’t appreciate people referring to me as a hoarder. In no ways am I even close to being a hoarder. I actually use the items I have in my house and if I’m not planning on using them, I give them to family members. For example, my bazillion razors in my linen closet, sure I won’t be using them cause I honestly hate disposables but my mother in law and father in law both use them so they will be stocked up for a long time.

Don’t try to tell me that I should donate all of my stuff. I got the stuff for a reason, I use it. Yes I have 100+ boxes of cat food but they don’t expire till next year and my cat will be able to eat most of that. If not, I’ll be feeding the homeless kitties outside. Yes, I know it’s great to donate and I do give somethings to friends and family members but if I donate all of what I have, then I  have to spend money to buy more of that item for my family. I’m on a really tight budget and that just won’t cut it. I’m not being stingy because I do give people things that I’ve gotten for free or cheap.

If you want to learn how to coupon and are SERIOUSLY interested in it and don’t plan on wasting my time, then ask. I’ve tried to help people save money who have a low income and who could actually use the help but there is only so much I can do. I’m for sure as hell not going to do all of the couponing for you to save you the money. You’re on your own. If you don’t want my help, that’s fine too. I personally love couponing because it’s an easy way for me to provide for my family. I know it’s a little time consuming because you have to get the inserts, organize and clip them before you go to the store. It does take time getting the hang of it but in the end it’s rewarding. Yes, there are some items that I get that I will never use but if the store is paying me $0.78+ for the item, then I’ll be getting it and using the overage toward items I need that I can’t always afford.

Example: The 61+ tubes of Poligrip. Yes I don’t have a need for the poligrip but my grandma, father and grandmother-in-law do. Each box gave me $0.78 overage. That’s a whopping total of $47.58 that I was able to put toward snacks, fruits, veggies, meats and other items I needed. I couldn’t pass that up!

I know a lot of people don’t want to get into couponing like I do because of a lack of space to store everything. You don’t have to buy such big quantities as to where you have no room for anything. Always research before you buy and see if a friend or family member can use that product. It’s helping you out and helping them out. If you can get an item from a store and be paid $0.50 for it and put that $0.50 toward diapers, shampoo, food…then why not? The poligrip was one of the best things I’ve been able to coupon for. Not only did I use the overage on things I really needed but now my grandma, who’s on a strict budget, will be set for quiet awhile on a product that is sorta expensive to buy when you have to buy 3 a month.

Still don’t believe the power of couponing? Ask me questions and I’ll gladly answer them. I’m here to help you out, if you need or want the help.