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Archive through January 17, 2009

Reality TVClubHouse Discussions: General Discussions ARCHIVES: Jan ~ Apr 2009: Savings for a Purpose Thread (ARCHIVES): Archive through January 17, 2009 users admin

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Wargod
Moderator

07-16-2001

Thursday, October 23, 2008 - 8:52 am   Edit Post Move Post Delete Post View Post Send Wargod a private message Print Post    
Oh and Biscotti, that's a wonderful idea about the scarves! I can't sew or crotchet but I could do that!

Happymom
Member

01-20-2003

Thursday, October 23, 2008 - 12:25 pm   Edit Post Move Post Delete Post View Post Send Happymom a private message Print Post    
War, wow how frustrating! That would drive me insane. Can't she just do w/o whatever until you can go get it during your regular trip? (tp she wouldn't be able to do w/o though, maybe you could just make sure you get it on a regular basis for her and then check her supply of it every couple of mos?)

Bisc, we have a Joanne's. I never knew you could buy that nylon and use it for cleaning! I'll go there next time I run out of scrubbies! great tip! thanks!

Wargod
Moderator

07-16-2001

Thursday, October 23, 2008 - 12:57 pm   Edit Post Move Post Delete Post View Post Send Wargod a private message Print Post    
LOL, apparently she can't do without Happymom! I just got back from taking her to the dr. When I got there, the first thing she asked was, "Did you bring me peanut butter and bread?" Uhm, no, cuz when I called yesterday to say I was going to the store, no one mentioned it. Told her she was lucky I have to go to Walmart later or else she'd have to wait til I went.

Happymom
Member

01-20-2003

Friday, October 24, 2008 - 8:43 am   Edit Post Move Post Delete Post View Post Send Happymom a private message Print Post    
War, you are such a good niece to your aunt!

I got what I wanted for my birthday! Coupons for fun times and chores from the kids and no stuff from them or my husband! yay! Unfortunately, no one thought about a cake though. oh well. I am proud of them for not spending any money!

Grooch
Member

06-16-2006

Friday, October 24, 2008 - 10:07 am   Edit Post Move Post Delete Post View Post Send Grooch a private message Print Post    
Why can't Sis go to the store and why is it all on you to do the shopping?

Wargod
Moderator

07-16-2001

Friday, October 24, 2008 - 11:17 am   Edit Post Move Post Delete Post View Post Send Wargod a private message Print Post    
A year and a half ago we had to decide which of us was going to take on most of aunts care. There were, and still are, several reasons why it fell to me. Sis was in the middle of a difficult pregnancy where she was on bed rest most of the time and now has a baby to look after. She also has a bad back which prevents her from doing some things like helping aunt in/out of the shower or in/out of the car. Plus I lived (at the time) closer and wasn't as big a deal for me to get over there.

I took on most of the care and get paid for it: shopping, banking, drs appts, oxygen needs, showers, laundry, cleaning, and cooking. Sis takes care of legal stuff (helped get her will, living trust, and all that in order,) plus is power of attorney for financial and medical stuff. Since they moved in (to what is basically an apartment built onto the house) sis has also taken over the cooking and cleans the kitchen. And if there's an emergency, they are there to help instead of aunt having to wait til I get there which is a huge relief to me.

Aunt was taken advantage of by a previous caregiver and the way we've got things split up is more to show aunt she doesn't have to worry about it happening again (sis and I trust each other completely.) She gives me the money for grocery shopping, she gives sis the money to buy her companions cigarettes. I take care of day to day banking and bill paying, but if she were no longer able to monitor that herself, sis would then take over. Same with medical care. Aunts still half convinced we're going to put her in a nursing home so it's worth the hassle to show her she can trust what we say and that we're not doing her wrong.

LOL, I just wish they'd learn to write the damn list!

Dipo
Member

04-23-2002

Friday, October 24, 2008 - 12:18 pm   Edit Post Move Post Delete Post View Post Send Dipo a private message Print Post    
Well, Wargod, if you told your sister that you would put it on the list and she would need to make something else for dinner, you would eventually get her "trained". Don't think you will ever get your Aunt to write it down, but that might help, LOL.

Happymom
Member

01-20-2003

Monday, October 27, 2008 - 9:33 am   Edit Post Move Post Delete Post View Post Send Happymom a private message Print Post    
From Aldifoods.com

The ALDI Way: Incredible Value Every Day.
The ALDI way of shopping has been continuously honed and refined since our first store opened in Southeastern Iowa in 1976. Committed to bringing food to customers at the lowest prices possible, our early stores set up shop in small spaces and introduced shoppers to the limited-assortment concept, carrying only 500 private-label items. Compared with other supermarkets, our stores seemed tiny. But ALDI found a niche with Americans hungry for real value, and the chain grew rapidly.

Over time, more products were added, including more refrigerated and frozen foods. ALDI also began experimenting with Special Purchase items, to great success. More recently, Sunday hours were instituted, and ALDI began accepting debit cards.

Today, there are nearly 1,000 ALDI stores in 29 states, from Kansas to the East Coast. And today’s ALDI store carries about 1,400 regularly-stocked items, including fresh meat, and, in certain locations, beer and wine. Though the original ALDI concept has been modified somewhat to accommodate our ever-changing tastes and preferences, the core concept remains: “Incredible Value Every Day.”

Clarkhoward.com mentioned this company. If there is one person I trust re: finances, it is Clark Howard. Anyway, we don't have these stores in CA but if any of you have them near you, it sounds like a great way to save money.

Happymom
Member

01-20-2003

Tuesday, November 18, 2008 - 12:33 pm   Edit Post Move Post Delete Post View Post Send Happymom a private message Print Post    
I saw on (I think) the CBS morning show a segment about dieting on a dime. The woman had broken down foods into how much they cost per serving. She has all very nutritious foods on there. She had brown rice, beans, canned fish, frozen vegs. All were super inexpensive (I think the rice was 14 cents per serving). She also had made meals with these foods that were sitting on plates. She had a salmon burger next to the canned salmon.

Re: the frozen vegs, she said they are often more nutritious than fresh because they are picked at their most nutritious time and flash frozen.

We are saving money by putting those door draft things at the bottom of all the doors that lead to the outside and the garage. I got some a few years ago at Ross for about $3 or $4. I recently needed more due to some remodeling and new doors. I paid $6 or $7 at Ross. Our driveway is uneven and our garage door has a big gap on one side. (We haven't had cars in our garage for years.) We are covering that gap with a sleeping bag that has a broken zipper. It has really made a difference. I am in CA, so, we have only had our heat on once, that was a few wks. ago. Just by using the door draft things, in the morning following a cold night, the temp in our hallway was about 7 degrees warmer. We won't be using the furnace when it does eventually get cold because we have a woodstove and now have firewood. I am hoping by using the door draft things, that this wood will last through the 2009-2010 winter.

Christy358
Member

07-10-2007

Tuesday, November 18, 2008 - 7:24 pm   Edit Post Move Post Delete Post View Post Send Christy358 a private message Print Post    
Thinking of the holiday season. Trying to spend less per gift by thinking outside the box. Not sure how that is going.....

However, In the past, I have tried to theme gift wrap. A new color or thought each year or holiday. This is the year of the left over wrap.

Christmas paper or not, it will be used up this year. LOL

Serate
Member

08-21-2001

Tuesday, November 18, 2008 - 10:15 pm   Edit Post Move Post Delete Post View Post Send Serate a private message Print Post    
I save the comic section out of each Sunday paper and that's what I use to wrap alot of the presents in. Nobody complains. They are more interested in what is inside the package than what I wrap it with.

I also pick up a couple rolls of wrapping paper after Christmas at 75% off that i use on the rest of the presents. I also try to get a few one color no pattern rolls of wrapping paper after Christmas to have for other presents through out the year.

We used to do the roll "snakes" on the bottom of the doors. I had a couple dog ones and a cat one. But now we have the pup dog it doesn't work so well. But also the house we are in now is pretty well insulated and sealed well so it's not really that necessary.

Wargod
Moderator

07-16-2001

Tuesday, November 18, 2008 - 11:41 pm   Edit Post Move Post Delete Post View Post Send Wargod a private message Print Post    
LOL Christy, I was looking at some bright yellow Happy Birthday paper in the closet the other day and thinking it could work for Christmas. I might have the kidlets paint or color the other side.

Besides making some Christmas gifts (jewelry for my nieces and Kota, bookthongs for the boys and teachers, etc) I've been picking up things here and there for Christmas. Couple movies for the kids when they came out (they're usually a couple bucks cheaper when they first get to stores than a week or two later) and found Camp Rock and High School Musical books at the grocery store for Kota (4.99 each.) Books are a big part of Christmas gifts for us so I'll grab one or two each big trip.

We're spending much less for Christmas this year and I'm searching for whatever deals I can find.

Wargod
Moderator

07-16-2001

Tuesday, January 06, 2009 - 1:27 am   Edit Post Move Post Delete Post View Post Send Wargod a private message Print Post    
Well, I haven't saved much since November, mostly just tossing change in my jar.

We did great during Christmas, pretty much stuck to our lowered budget, I handmade a lot of gifts and hit up sales for everything else. I posted in the holiday thread that one of the gifts we did for Kota this year was to give her cash to go buy her own clothes instead of buying them as gifts. That was a huge money saver, or not so much, she got the same amount of money we spent on Caleb, but she asked to go to a discount store some of her friends/the neighbors shop at and we hit the jackpot, lol. She got a couple pair of jeans for $3.99! She ended up walking away with six pairs of jeans, 5 shirts, and a pair of exercise pants for just over $60. I loved that and will be shopping there from now on, cute clothes, appropriate clothes for the kids ages, and dirt cheap.

Anyways, one of the reasons we didn't save much was that Darren had to take some time off work to help his step dad deal with his fathers house (his step dads father passed away in early Dec.) And then he had/has 3 weeks off for vacation, so no OT pay. We went through most of last year with him getting minimal OT (that is very very odd for his company) but they're talking about an increase this month.

Some ways we have just plain cut back: We're using the wood burning stove more and keeping the gas bill down like we'd planned. That's a big yippee. Even better, we've also cut back on electricity, my bill this month was $82, which is really low. The cold weather hit us hard last month so Darren shut off the water to all our outdoor pipes. No sprinklers at all (we usually only water once a week in winter, haven't at all this winter) and that bill is also cut back.

Groceries is still hard to cut back on, got to eat and all, but with the cold weather, I'm able to make things like a pot of beans and soups that last longer and leave more left overs so that helps.

This month I won't be saving much since we need to pay for Kota's softball sign up fees ($85) and er, I need to pay a ticket I got and pay for traffic school.

My goals for this year: nothing real solid yet except to save what I can when I can and try to find ways to cut back some. It's become habit for us (even the kids) to empty change into the jar and sometimes if I have ones I'll drop those as well. I'd like to increase what I take out and put into my savings, but will probably wait til Darren's ot to kick in before doing that.

Happymom
Member

01-20-2003

Friday, January 09, 2009 - 1:14 pm   Edit Post Move Post Delete Post View Post Send Happymom a private message Print Post    
My goals for this year: nothing real solid yet except to save what I can when I can and try to find ways to cut back some.

Me too.

I am cancelling netflix and will try very hard not to watch movies from OnDemand (unless they are the free movies) on comcast cable because 2 groceries stores have different kiosks where the movies are only $1.

I'm spending some to go back to school but will recoup that in just a few mos. when I get a job after that. The economy will be better, I hope, and I don't think I will have a hard time getting a job. I have a degree already, so, I don't need too many credit hours. It will be about 18 mos. until I have all the credits I need though. I'm hoping to work another part time job in addition to my current part time job (office work for hubby's business) while going to school too, just while the kids are at school. I still will be home most of the time when they are, which I am fortunate enough to be able to do right now. Hopefully hubby's job remains stable. He is self employed, so, you never know.

I am always looking for new ways to save money. I look at different websites and Reader's Digest has an article in their new edition. I don't seem many new tips these days though.

Even with the gas prices down, I still try to hypermile when I can. Sometimes it gets on my kid's nerves, but if there isn't a safety issue, not only does it save money but it is better for the environment.

Groceries are tough. I am trying to eat up older canned and frozen food and dried beans that we have on hand. That has helped some.

I didn't renew any magazines except Reader's Digest. I had some free subscriptions for a number of mos. that would automatically convert to paid subscriptions that would be charged to a credit card, but I cancelled all of them in advance. I will also continue to receive Prevention, but by the time it needs renewed, my parents will probably give that to me as a gift for my birthday or Christmas.

I am also not going to the grocery store (which includes Costco where I buy many of our groceries) usually until we are out of milk. I think that is saving us some, but I am not sure. We are just doing without whatever food or cleaning thing that is on the list until I get to the store. If it is something that I know Costco has cheaper but I am only going to the grocery store (I rarely buy milk at costco because ours doesn't have 1%), we have to wait until we need several things at costco.

I'm not buying gifts in advance for people this year. (I usually buy throughout the year.) I have enough for the kids (nieces etc., not my own kids, but can't buy too early for them as their tastes change a lot) for Christmas next year mostly already (from buying them in 2008) and had enough to give them 2008 Christmas presents and that many extra! They all get cash for their birthdays and not a lot of cash at that. I am seriously contemplating not giving gifts to any adults for birthdays this year or Christmas next year. I'll have to wait and see. I hope to though, and I hope they they will reciprocate and not give me or my husband gifts either. None of us really need anything and I can do without that Prevention mag. I mentioned earlier! At any rate, I'm not going to buy anything in advance.

I bought a battery recharger and batteries from Costco. We used to have one when the kids were little and they had more things that needed batteries. The baby swing was one of them. Not that we use lots of batteries now, but I think it will save us a little money.

Can't think of any other new ways I'm saving, I want to think of more though!

Wargod
Moderator

07-16-2001

Saturday, January 10, 2009 - 3:14 am   Edit Post Move Post Delete Post View Post Send Wargod a private message Print Post    
Ya know, Happy, I keep reading everything I can and I'm not really finding many tips anymore, at least ones I'm not already doing.

I'm constantly at the grocery store or Costco between my house and my aunts, but I really stick to my list and have started to plan where I'm shopping...Walmarts cheaper on some things, vons on others, and Costco on some, so I organize my lists and go when I have enough to make a trip to one of them worthwhile.

Oh I did stop Darren from spending more than needed, lol. He wanted to get a new cell phone with a contract. That's just silly for us, neither of us uses a cell enough to pay that much, $20 for 3 months on prepaid does us good. He finally admitted I was right about that!

Biscottiii
Member

05-29-2004

Saturday, January 10, 2009 - 4:20 am   Edit Post Move Post Delete Post View Post Send Biscottiii a private message Print Post    
Whew Wargod, those cell phones can really rack up bucks, when you probably wouldn't even use the new features, then you're stuck for eternity with that contract. Smart move!

Frankly, I'm not spending a cent (did spend some major money on produce after my snowbound situation a couple weeks ago). Eating whatever is in the freezer, egg/tuna salad sandwiches, salads, I'm not choosy.

Wednesday 1/7/09 sent in my Earthquake insurance payment $473 (I'm one of not so many people in Seattle lucky enough to get EQ Ins). So I get paranoid until the check finally clears. Maybe by Monday I can see that my check was posted. They want to close the acct, have for years, and a bounced check is enough to stop any further acct. Mortgage was already paid, I would have probably another $500 after it clears, but like I said I get paranoid. Silly, huh?

But by Monday, I should be able to get back into paying the rest of the month's bill and buying groceries.

ETA: the month of January is always such a pain, I go through this every year!

Biscottiii
Member

05-29-2004

Saturday, January 10, 2009 - 4:37 am   Edit Post Move Post Delete Post View Post Send Biscottiii a private message Print Post    
BTW, my homeowners insurance PEMCO (who denied me EQ Ins back in 1999 because they didn't like how my living room is over the garage downstairs, no matter that the house is retrofitted) stopped even providing EQ Ins. The agent said he was shocked that I'm getting Lloyds of London (one pop offer by my previous Mortgage Company) for a mere $500 per year and I better hang onto it (only 5% deductable).

That just made me even more paranoid. Then, because of all the snow the statement didn't get issued until Jan 2nd (usually 12/26/08) I was really stressing that they might have dropped the policy altogether. Got it, sent it, just waiting for the check to post. I probably sound like a nutcase, so sorry folks!

Biscottiii
Member

05-29-2004

Saturday, January 10, 2009 - 4:51 am   Edit Post Move Post Delete Post View Post Send Biscottiii a private message Print Post    
Correction: "statement didn't get issued until Jan 2nd" -

I didn't receive it until Jan 7th, because we had MORE danged snow!

Happymom
Member

01-20-2003

Friday, January 16, 2009 - 9:13 pm   Edit Post Move Post Delete Post View Post Send Happymom a private message Print Post    
Well, I am not saving much money this week. Unexpected medical bills, thousands of $$ even after the insurance pays their portion. At least my daughter is going to be ok. It's times like this when I say to myself "It's only money." Interestingly enough, right before these medical issues happened, I ordered and received the 3 book special Penny Pinchin' Mama, Dining on a Dime and Digging Out of Debt from LivingOnADime.com. There are lots of tips and links on that website, but I really wanted the print books and to see how they managed to save so much $ on so little income. I've finished "Penny..." and am part way through "Digging...". I find a lot of it very interesting, inspirational, and comforting in several ways. If things get drastic, there are still lots of ways we could save money like only drinking water (I do this anyway), giving up cable (I sure hope I don't have to do that), and not fixing things that break necessarily. They even had to do without a refrigerator.

In the mail today, we received a notice that our dental insurance premium would be going down about $10 per month!

Yay for saving money!

Wargod
Moderator

07-16-2001

Saturday, January 17, 2009 - 1:47 am   Edit Post Move Post Delete Post View Post Send Wargod a private message Print Post    
Ack Happymom. Medical bills certainly trump anything else though and like you said, at least your daughter is going to be ok (sorry she's been sick though.) We went through a medical issue with Darren a few months ago, luckily only a few hundred bucks, but coming at the time it did it was just terrible. Some things ya just don't have a choice about.

Bisc, that nervous panic waiting for something to post just makes me nuts! Sometimes my mortgage payment will take a few days to post and everytime it does I spend the whole time holding my breath! I know it will, but still until it does, it's panic time.

This week, oy. I had that panic time, though over my ticket. It's due the 20th and I've known that for weeks but somehow it just didn't click. I've been at my aunts every day this week, except today, and taking her to drs appts and was worried I wouldn't have time to pay it if I didn't show up first thing in the morning. Today I had to wait for Verizon tech support. I had been thinking no big deal, I'd go Monday, then I realized Monday is a holiday and the court house would be closed. Which only left me with Tuesday, the 20th, to get out there and I got worried something would come up and I wouldn't be able to go and then I'd go to jail, lol. I was full on stressing yesterday and Darren casually mentioned that if I was worried about it, I should call and ask for an extension...never even dawned on me! Figured I'd call and talk to someone and see if I could get a couple extra days...still plan on going Tuesday to pay it, but just in case something comes up. Called and they make you go through an automated system, but I was able to get a 60 day extension. Like I said, I do plan on going Tuesday but at least if one of the kidlets gets sick or an emergency with my aunt, I won't have to worry about what I'm going to do.

Had a surprise at softball sign ups last weekend. Not sure I posted on the board about it though. The Friday before, I'd pulled $100 cash (registration was $85,) but on the way home we'd stopped for lunch and I didn't think about it and paid with cash. When I realized what I'd done, I thought no prob, I'll just go pull more cash and of course I promptly forgot about it. So Saturday morning I realized I only had $78 and was going to have to stop somewhere. Asked Darren if he had $7 and he said no...his step dad was here though and handed me 10, saving me a stop. I went over and got sis and niece, she had a 100 dollar bill. When we got there though, they told us they were now charging a $20 refundable snack bar fee...you do your snack bar duty, you'll get your $20 back. Ack! Both of us were short, so I gave sis $5 to fully pay for niece and I told em I'd be back tomorrow to pay the last I owe for Kota. Wasn't really a big deal, I just wish they'd mentioned it ahead of time so I could have taken enough money with me.

Ah well, softball is a huge money saver for us since it occupies so much time we're not trying to find stuff to do!

We haven't really saved much money this week, not even change cuz I haven't been anywhere to spend money, lol.

Biscottiii
Member

05-29-2004

Saturday, January 17, 2009 - 5:06 am   Edit Post Move Post Delete Post View Post Send Biscottiii a private message Print Post    
Thanks for the kindness, the EQ Ins check cleared, my panic attack is over (made 2 copies of the cleared check). The news just doesn't STOP telling us when the "BIG one" can hit us.

Tired and going to bed now. Sleeping is good, cause when you're sleeping you're not spending, huh?

Wargod
Moderator

07-16-2001

Saturday, January 17, 2009 - 11:52 am   Edit Post Move Post Delete Post View Post Send Wargod a private message Print Post    
They've been talking about the big one since I was a little girl. It's funny, I've been talking about it too in the caregiver thread. When my aunts social worker was out a few months ago, she was asking about her earthquake/emergency kit. She's always been good about having extra food/water and a first aid kit, sis has the radio and spare batteries and there's plenty of blankets so we were set on all that, but it really got us thinking about special precautions and plans we'd have to have in place for our elderly aunt.

We did get our medical card that became active on Jan. 1. We can use it to pay co-pays, prescriptions, and over the counter stuff. Money comes out of each check before we ever see it so we're still paying for it, but it's nice having the money there if we need it (like when Darren ended up with cellulitis and it cost us a small fortune we didn't really have.) If we don't use the $1200 by the end of the year, we'll lose it, so we'd talked about if there's anything left, we'll use it to buy first aid stuff and otc meds. If we do use it all, great, but if not I'm not oging to lose money, lol.

Happymom
Member

01-20-2003

Saturday, January 17, 2009 - 12:14 pm   Edit Post Move Post Delete Post View Post Send Happymom a private message Print Post    
Bisc, I just had that thought about sleeping and spending the other day! It's free and it's great and it keeps us healthier (saving $ on health costs) and yes, we're not spending while asleep!

LOL, when you said "the big one" Bisc, I was thinking you meant the economy tanking and getting worse and worse. I was going to post that I have stopped watching and listening to news about it. But I realize that you are talking about earthquakes!

I pay so many bills online either through the companies' websites or my online banking. I have to watch though because the bank says when the check will be delivered, sometimes a 5 day delivery pops up. I don't like that and can't use online banking for that payment sometimes because the payment would be late.

I think with insurance sometimes, there is a grace period, so if your check is a little late, it may be ok. I don't know that I would want to take a chance with that though. I would have been sweating it with that EQ check too.

Thanks War. She will be ok, but she is going to miss the first week at least of the semester (she is a freshman in college). If she needs her books, I'm going to have to go get them, 3 hours away. It will cost some money in gas, but not as much as shipping. Hopefully I can work it out between her med appts, hubby's work schedule, my schedule and the bookstores hours! At least our car can get about 37mpg on the hwy., so, it will cost less than $20 or about $20 for gas. Yet another expense, but $ well spent and cheaper than if we had to overnight those books.

War, even though you haven't saved any, even change, you have because you haven't spent!

Well, I'm off to save money by cancelling netflix now.

Wargod
Moderator

07-16-2001

Saturday, January 17, 2009 - 2:11 pm   Edit Post Move Post Delete Post View Post Send Wargod a private message Print Post    
Dang, Happymom, I'm sorry she's going to miss classes. Being sick and missing classes isn't the best way to start out a new semester. And sorry you're going to have to drive 3 hours, though you're probably right in that it'll be cheaper than shipping her books.

I'm also very jealous you get 37 mpgs! My minivan sucks on gas, the only thing I have going for me is that I don't usually drive too far.

LOL, I didn't think about the fact that I'm saving by not spending anything.

I just picked up the raffle tickets for Kota's softball. Oy, instead of the 40 tickets we had to sell last year, this year it's 50. Luckily, our uncle and a friend each offered to take a book to work, and Darren's taking a book so we might not have to worry too much about that (what we don't sell, we buy.) Between Kota and my niece, that's 100 tickets...and we know the same people, lol. I just sent Kota around to the neighbors we're comfortable with her going to (and who we buy fund raiser stuff from) and she asked Darren's step dad. She's sold 7 so far.

Darren's off now earning his fishing license, lol. His step dad is fixing up a house he owns to rent and he'd asked Darren to clean the carpets and offered to pay him. Instead of paying though, Darren asked him to just buy the fishing license (I did the happy dance, that's $49!)

Sugar
Member

08-15-2000

Saturday, January 17, 2009 - 10:10 pm   Edit Post Move Post Delete Post View Post Send Sugar a private message Print Post    
Happymom if your daughter is only going to miss a few classes maybe a friend could scan & email or copy and mail the few chapters she would need. You might also contact the prof's to see if something could be worked out.