At the prodding of a dear friend, I will try to revive my pathetic attempt at blogging. I really do enjoy it - I struggle to find the time and sometimes it seems like bragging to post such awesome deals - I know everyone will deal with jealously and I don't really like to make folks sin. Haha. Not really. Mostly it's because I'm lazy.
First off, I will preface my post with money making excuses. At the end of September, we purchased a junky old house to fix up and rent out. The closing was Sept 28th and our life quickly became one butt-busting work weekend to the next. We took off the month of December for Christmas and the requisite festivities but picked it right back up again in January. In February, a distant cousin (who grew up near the house) asked to purchase it. We had planned on renting but with the stimulus money, it would really help them out to go ahead and buy. Sure. Why not? This, of course, meant we had to finish by June 1st (stimulus deadline) and come up with a LOT of dough to finish everything.
Long story short, we cut back our lifestyle to a degree - less eating out and such, and it really wasn't terribly painful. I'm not used to living without a cushy cushion but God was faithful and everything worked out. The new home owners moved in June 1st and we are DONE! No more 8 hour paint days. I've listened to many, many hours of Dave Ramsey on my ipod as I painted until my had was stuck in a permanent claw.
Good News: Saving money in other areas, allowed us to spend the silver talents God had given (both monetary and skill) us on a house that flipped quickly and will make us mucho money in the next 30 years. Pictures are on my facebook if anyone is interested.
One of the most wonderful things about being done with the house was that I was able to start back yardsaling with a friend (and sometimes with Eric and the babes). Deals found so far this year are: Coach mini purse ($2!) - sold on ebay for $30. My friend found a Coach PURSE the same day for $5. Even I was jealous. Coach pill case for $.50 - sold on ebay for $30. Robeez shoes, Sperry shoes, silver necklace that looks just like new after a good polish - retails for over $100, I paid $.50. It looks great on my granny. There are a lots of other things I've found but those were the most profitable on ebay. Clothes for kids are readily available at yardsales - they require some digging but I do love Children's Place and Gymboree. One can find them much discounted secondhand.
I must close in order to make my twice monthly trip to Walmart. I hate that store. One downside of living in a small town is that one doesn't have many choices for shopping. It's 10x better than KMart so I will still shop there.
Wednesday, June 16, 2010
Sunday, November 29, 2009
Getting the most out of insurance...
I knew it would be a struggle to keep up with my blog. I'm sorry it's so boring. The desire of my heart it to one day be able to help others with their finances. It's not something I take lightly.
Recent money-saving adventures:
As the title would indicate, I'm currently trying to get the most out of my insurance. Due to an unexpected bout of appendicitis during the summer, Eric and I met our HUGE ($5,000!) deductible. While thankful that we had insurance and an emergency fund, we were quite disappointed to use up our entire Medical Savings Account.
True to my nature, while drugged and in a painful haze at the emergency room back in June, I remembered to ask the surgeon to fix a small hernia I had while he was in the vicinity of my appendix. He laughingly agreed and put a small stitch in it while he preformed my appendectomy.
Unfortunately, my hernia not only returned but came back larger than it had been. I'm not exactly sure how it happened but it began to bother me more and more. Although it was mostly cosmetic at present, the Dr. told me that it would need to be fixed eventually. Since we knew we wouldn't incur any further costs for the procedure, Eric and I began to plan on another hospitalization. Long story short, I had what I thought would be a simple procedure this past Monday. It is now Sunday and I'm still not feeling all that great. Thank God for Loritab! I had thought it would be a 23 hour (or less) stay in the hospital, but it ended up being about two days. It was much more painful than I thought it would have been and I wondered at my stupidity over the situation. Honestly, one of the things that bothers me the most is my vanity. After having spent years attempting to train my stomach to stay in, it is most decidedly poking out again. I just cannot bear to tighten all the muscles yet. I hope I can re-train it quickly.
I plan to have another round of surgery right after Christmas. This time I know it's a simple procedure and is out-patient. It'll be my second attempt - Google "septoplasty". It's not a nose job - honest. I have found breathing to be necessary to life and a septoplasty would accomplish this for me (I hope).
On a cheerier note, we did a lot of Christmas shopping this weekend. Not because of all the great deals, although that didn't hurt, but mostly on accident. Eric and I had found that Walmart would be selling boy's bicycles for $29 on Black Friday - not a bad deal. Since I was laid up from my surgery, and he'd always wanted to watch people fight over TVs and such, Eric decided to go at 5am when Walmart opened. He left at 4:30, at 4:45 he texted me to let me know his truck had broken down and he was walking to the office. I immediately was glad I had not taken my pain meds when I had kissed him goodbye...they make me a bit spacey. Hunched over b/c of all the "holes in my tummy" - as the babies call them - I woke the babies, dressed everyone and drove to pick up my nearly frozen husband. I handed him the keys, popped some pills and agreed that we should all go to Walmart. It was a madhouse. I was mortified as I had never been to Walmart without having brushed my hair or put on my makeup. I was really glad to know that MOST folks don't brush their hair or put on makeup before Black Friday. At least I was in like company. We got a few good deals, including a miracle bike for Seth - they had sold out but my sister, Ashah, found one abandoned in a buggy! Yeah for sisters! The bike was pretty much the last gift on our list for the babies. We only do three gifts for Christmas, and although we budget $100 apiece for the babies, didn't spend much more than half. Yardsales have come in handy this year!
Hopefully it won't take so long before I post again. I'm working on paring our living expenses, and finding ways to fund our retirement - again. I have a few more yardsale treasures to post but everyone is wanting some lunch, I'd better get to it.
Recent money-saving adventures:
As the title would indicate, I'm currently trying to get the most out of my insurance. Due to an unexpected bout of appendicitis during the summer, Eric and I met our HUGE ($5,000!) deductible. While thankful that we had insurance and an emergency fund, we were quite disappointed to use up our entire Medical Savings Account.
True to my nature, while drugged and in a painful haze at the emergency room back in June, I remembered to ask the surgeon to fix a small hernia I had while he was in the vicinity of my appendix. He laughingly agreed and put a small stitch in it while he preformed my appendectomy.
Unfortunately, my hernia not only returned but came back larger than it had been. I'm not exactly sure how it happened but it began to bother me more and more. Although it was mostly cosmetic at present, the Dr. told me that it would need to be fixed eventually. Since we knew we wouldn't incur any further costs for the procedure, Eric and I began to plan on another hospitalization. Long story short, I had what I thought would be a simple procedure this past Monday. It is now Sunday and I'm still not feeling all that great. Thank God for Loritab! I had thought it would be a 23 hour (or less) stay in the hospital, but it ended up being about two days. It was much more painful than I thought it would have been and I wondered at my stupidity over the situation. Honestly, one of the things that bothers me the most is my vanity. After having spent years attempting to train my stomach to stay in, it is most decidedly poking out again. I just cannot bear to tighten all the muscles yet. I hope I can re-train it quickly.
I plan to have another round of surgery right after Christmas. This time I know it's a simple procedure and is out-patient. It'll be my second attempt - Google "septoplasty". It's not a nose job - honest. I have found breathing to be necessary to life and a septoplasty would accomplish this for me (I hope).
On a cheerier note, we did a lot of Christmas shopping this weekend. Not because of all the great deals, although that didn't hurt, but mostly on accident. Eric and I had found that Walmart would be selling boy's bicycles for $29 on Black Friday - not a bad deal. Since I was laid up from my surgery, and he'd always wanted to watch people fight over TVs and such, Eric decided to go at 5am when Walmart opened. He left at 4:30, at 4:45 he texted me to let me know his truck had broken down and he was walking to the office. I immediately was glad I had not taken my pain meds when I had kissed him goodbye...they make me a bit spacey. Hunched over b/c of all the "holes in my tummy" - as the babies call them - I woke the babies, dressed everyone and drove to pick up my nearly frozen husband. I handed him the keys, popped some pills and agreed that we should all go to Walmart. It was a madhouse. I was mortified as I had never been to Walmart without having brushed my hair or put on my makeup. I was really glad to know that MOST folks don't brush their hair or put on makeup before Black Friday. At least I was in like company. We got a few good deals, including a miracle bike for Seth - they had sold out but my sister, Ashah, found one abandoned in a buggy! Yeah for sisters! The bike was pretty much the last gift on our list for the babies. We only do three gifts for Christmas, and although we budget $100 apiece for the babies, didn't spend much more than half. Yardsales have come in handy this year!
Hopefully it won't take so long before I post again. I'm working on paring our living expenses, and finding ways to fund our retirement - again. I have a few more yardsale treasures to post but everyone is wanting some lunch, I'd better get to it.
Sunday, October 11, 2009
Yardsale Treasures
Heh...I was afraid I'd get behind. The past few weeks have been quite the whirlwind.
For the last several years, I have helped host the annual fund-raising banquet for Crossroads Pregnancy Center in Milledgeville, Georgia. The 17th Annual Banquet was held just this past Thursday evening. With over 400 in attendance and a seriously small budget, we squeeze every dollar until it hollars. I'm generally in charge of the decor and set-up/tear-down.
I really enjoy having the opportunity to serve the center in this way because my current season of life does not allow for a weekly volunteer day like most folks involved. With the banquet, I can do most of the prep work from home, then work my butt off for a few days the week of.
I enjoy coming in for large projects because it gives my children a chance to see the benefit in serving others and of course, raising awareness for the Sanctity of Life. This year, part of the program was "Four Generations of Support". Granny, my dad, myself, and Seth each gave a short talk about what the center means to our family and how each of us serves. It wasn't to pat ourselves on the back by any means, but rather to help folks realize that you can be involved at any age.
Anyway, that's why I haven't posted in a few weeks. Here are my current yardsale treasures:
Tons of vintage jewelry - prices range from $.50 to $2. I plan to sell most of it on ebay but it keeps matching my outfits. Maybe I'll just keep it...
Brand new fancy serving dish with tray (My sister got one as wedding gift this summer and I was jealous) $3
A whole winter wardrobe for Seth (how rare to find his size - slims!- without holes in the knees!) $14
Two pair of name-brand shoes for Mikayla to grow into - $2
A men's Fossil watch (needs new battery) for $1
Kitchen sink to replace the ugly brown one in a house we're fixing up (more on that later). $10
My personal favorite (took the yardsale crown back from Eric!): A yellow gold 1/5 carat diamond solitaire necklace. $.25 Not bad. :) I did try to sell the necklace to a pawn shop but it wouldn't bring enough to make it worthwhile. Into the safe it goes and maybe one day I'll have it reset.
Eric's personal favorite: a set of hex weights like he'd been coveting for so long. We were able to aquire them for $100 but they sell for $600+. We've been looking on criagslist for months but the cheapest we'd found was about $350. Thanks to my brother, Levi, for helping us find them!
For the last several years, I have helped host the annual fund-raising banquet for Crossroads Pregnancy Center in Milledgeville, Georgia. The 17th Annual Banquet was held just this past Thursday evening. With over 400 in attendance and a seriously small budget, we squeeze every dollar until it hollars. I'm generally in charge of the decor and set-up/tear-down.
I really enjoy having the opportunity to serve the center in this way because my current season of life does not allow for a weekly volunteer day like most folks involved. With the banquet, I can do most of the prep work from home, then work my butt off for a few days the week of.
I enjoy coming in for large projects because it gives my children a chance to see the benefit in serving others and of course, raising awareness for the Sanctity of Life. This year, part of the program was "Four Generations of Support". Granny, my dad, myself, and Seth each gave a short talk about what the center means to our family and how each of us serves. It wasn't to pat ourselves on the back by any means, but rather to help folks realize that you can be involved at any age.
Anyway, that's why I haven't posted in a few weeks. Here are my current yardsale treasures:
Tons of vintage jewelry - prices range from $.50 to $2. I plan to sell most of it on ebay but it keeps matching my outfits. Maybe I'll just keep it...
Brand new fancy serving dish with tray (My sister got one as wedding gift this summer and I was jealous) $3
A whole winter wardrobe for Seth (how rare to find his size - slims!- without holes in the knees!) $14
Two pair of name-brand shoes for Mikayla to grow into - $2
A men's Fossil watch (needs new battery) for $1
Kitchen sink to replace the ugly brown one in a house we're fixing up (more on that later). $10
My personal favorite (took the yardsale crown back from Eric!): A yellow gold 1/5 carat diamond solitaire necklace. $.25 Not bad. :) I did try to sell the necklace to a pawn shop but it wouldn't bring enough to make it worthwhile. Into the safe it goes and maybe one day I'll have it reset.
Eric's personal favorite: a set of hex weights like he'd been coveting for so long. We were able to aquire them for $100 but they sell for $600+. We've been looking on criagslist for months but the cheapest we'd found was about $350. Thanks to my brother, Levi, for helping us find them!
Tuesday, September 22, 2009
Staying Organized
One of the things I recommend most to folks when they're trying to save money - be it their debt snowball or piling up cash, is to stay organized. Fortunately, my mother was an awesome one to follow in this area and my filing system is based loosely on her model.
My office is customized to what I need it to be (I have more files than average) but most folks need two filing drawers. I prefer hanging files, but whatever floats your boat. That being said, I have four.
Drawer One:
Folders labeled A-Z. When I bought a telephone, I filed the paperwork and receipt (stapled together) under "T". When I bought a washing machine, I filed all the paperwork and receipt in my "W" folder. One-time purchases, and miscellaneous small items go into my lettered file...even the extra bolts for the wagon!
Drawer Two:
Anything that I have continual paperwork for, insurance, utilities, auto repairs, you name it. I tend to keep my utility and bill folders in the very front for easy access but file everything else behind it alphabetically.
Drawer Three:
My "Business" files (my small business, and for the local GOP).
Drawer Four:
This drawer is mostly empty so I use it for easy access to our medical and tax files. All papers/bills for medical expenses, get filed into a yearly folder. At the end of the year, I go back and reimburse us from our Health Savings Account in order to take advantage of the tax break it offers. After I've been reimbursed, I file each bill into the proper person's file. I keep one for each of us. Unfortunately, mine is the thickest. :(
In the same drawer, I keep an large, manilla envelope with Taxes 2009 on the front. I make a new envelope every January. I place all papers that we will need for tax preparation into this envelope throughout the year. If I take a donation by the Salvation Army and get a receipt, into the envelope it goes. By the end of the year, all that's left to gather is our W-2s and off to the CPA we go. Everything is together in one place. Once our taxes have been prepared, I place our copy into this envelope and file in yearly order with the rest of my tax envelopes in the attic. These should not be discarded for at least ten years.
This is the easiest system I have found to stay organized at home. When you need something repaired - especially under warranty, you'll have everything in one easy-to-find location. If you don't have room for a filing cabinet, expandable files or boxes could be used. It's easy to adapt it to fit your needs and your space.
My office is customized to what I need it to be (I have more files than average) but most folks need two filing drawers. I prefer hanging files, but whatever floats your boat. That being said, I have four.
Drawer One:
Folders labeled A-Z. When I bought a telephone, I filed the paperwork and receipt (stapled together) under "T". When I bought a washing machine, I filed all the paperwork and receipt in my "W" folder. One-time purchases, and miscellaneous small items go into my lettered file...even the extra bolts for the wagon!
Drawer Two:
Anything that I have continual paperwork for, insurance, utilities, auto repairs, you name it. I tend to keep my utility and bill folders in the very front for easy access but file everything else behind it alphabetically.
Drawer Three:
My "Business" files (my small business, and for the local GOP).
Drawer Four:
This drawer is mostly empty so I use it for easy access to our medical and tax files. All papers/bills for medical expenses, get filed into a yearly folder. At the end of the year, I go back and reimburse us from our Health Savings Account in order to take advantage of the tax break it offers. After I've been reimbursed, I file each bill into the proper person's file. I keep one for each of us. Unfortunately, mine is the thickest. :(
In the same drawer, I keep an large, manilla envelope with Taxes 2009 on the front. I make a new envelope every January. I place all papers that we will need for tax preparation into this envelope throughout the year. If I take a donation by the Salvation Army and get a receipt, into the envelope it goes. By the end of the year, all that's left to gather is our W-2s and off to the CPA we go. Everything is together in one place. Once our taxes have been prepared, I place our copy into this envelope and file in yearly order with the rest of my tax envelopes in the attic. These should not be discarded for at least ten years.
This is the easiest system I have found to stay organized at home. When you need something repaired - especially under warranty, you'll have everything in one easy-to-find location. If you don't have room for a filing cabinet, expandable files or boxes could be used. It's easy to adapt it to fit your needs and your space.
Thursday, September 17, 2009
The Power of an Appeal
Lots of examples of this in my quest to save money, but here are just a few snippets:
This week:
1) Recently Eric and I took a trip through FunJet Vacations and Spirit Airlines. Spirit totally botched our return flight. When we finally got home, I wrote a letter to both Spirit and FunJet requesting reimbursement for the crap they had put us through. Spirit did refund part of our money (not as much as they needed to) but FunJet is actually giving us a $350 travel voucher as an apology for our trip being so messed up. I wasn't totally happy with the outcome but it was better than I expected given who we were dealing with (Extra tip: Never fly Spirit airlines unless you're feeling very spontaneous and have lots of extra time and cash to burn).
2) I purchased two new pairs of shoes for Mikayla over the summer (I had missed the consignment sales!). I purposely bought a brand that was well recognised for quality. Within three weeks, both pairs of shoes had messed up. I glued them back together and wrote a letter to the company detailing my problems with their product. Within two weeks, I had been contacted by the manufacturer who promptly replaced them. The glue was still holding Mikayla's shoes together so she sent winter boots and the next size up in tennis shoes.
3) Eric and I started doing P90X together three months ago. We realized right away that we needed exercise mats in order to do yoga, etc. I bought mats from one of the more reputable exercise companies expecting them to be exactly what was needed...they specifically said their mats were made for yoga and pilates. The padding was great; what wasn't so great was the fact that as you struggled to hold your "downward dog" position (or any other), the mat slowly stretched in both directions. It was hard enough for me to stand in the ridiculous poses, it did not help that the ground beneath me kept growing. Off went a letter. FedEx delivered their reply with the promise of two new mats that should be delivered soon.
4) About a year or so after we were married, Eric and I had finally saved enough money to purchase two leather couches for our living room. We loved them. They were comfortable and so easy to clean. I was rather dismayed to notice, after four years, that one of the couches developed a tear in the leather (obviously a flaw and not a user caused tear). The couches had come with a 5 year warranty but the manufacturer would not return my phone calls. I appealed to Sam's Club because we had purchased them through their store. They told me to bring both couches back and they gave me a complete refund. Granted, I had kept my receipt...this is very important for appeals and I'll probably blog about my filing system later this week.
5) Eric and I purchased (also at Sam's) a set of mattresses for our bed. After 4 years, our "Ten Years and No Sag" mattress had developed quite the dent. It had become unbearably uncomfortable. Another appeal. Another "Bring it back and we'll refund it". Again, I had saved my receipt. Who wants to guess where I bought the replacement mattress? With that kind of warranty, I'll keep buying from Sam's!
DISCLAIMER:: I do not try to cheat companies by abusing their return policy. In each of the above circumstances, I had a legitimate claim and made sure the companies knew the circumstance surrounding my letter. :)
This week:
1) Recently Eric and I took a trip through FunJet Vacations and Spirit Airlines. Spirit totally botched our return flight. When we finally got home, I wrote a letter to both Spirit and FunJet requesting reimbursement for the crap they had put us through. Spirit did refund part of our money (not as much as they needed to) but FunJet is actually giving us a $350 travel voucher as an apology for our trip being so messed up. I wasn't totally happy with the outcome but it was better than I expected given who we were dealing with (Extra tip: Never fly Spirit airlines unless you're feeling very spontaneous and have lots of extra time and cash to burn).
2) I purchased two new pairs of shoes for Mikayla over the summer (I had missed the consignment sales!). I purposely bought a brand that was well recognised for quality. Within three weeks, both pairs of shoes had messed up. I glued them back together and wrote a letter to the company detailing my problems with their product. Within two weeks, I had been contacted by the manufacturer who promptly replaced them. The glue was still holding Mikayla's shoes together so she sent winter boots and the next size up in tennis shoes.
3) Eric and I started doing P90X together three months ago. We realized right away that we needed exercise mats in order to do yoga, etc. I bought mats from one of the more reputable exercise companies expecting them to be exactly what was needed...they specifically said their mats were made for yoga and pilates. The padding was great; what wasn't so great was the fact that as you struggled to hold your "downward dog" position (or any other), the mat slowly stretched in both directions. It was hard enough for me to stand in the ridiculous poses, it did not help that the ground beneath me kept growing. Off went a letter. FedEx delivered their reply with the promise of two new mats that should be delivered soon.
4) About a year or so after we were married, Eric and I had finally saved enough money to purchase two leather couches for our living room. We loved them. They were comfortable and so easy to clean. I was rather dismayed to notice, after four years, that one of the couches developed a tear in the leather (obviously a flaw and not a user caused tear). The couches had come with a 5 year warranty but the manufacturer would not return my phone calls. I appealed to Sam's Club because we had purchased them through their store. They told me to bring both couches back and they gave me a complete refund. Granted, I had kept my receipt...this is very important for appeals and I'll probably blog about my filing system later this week.
5) Eric and I purchased (also at Sam's) a set of mattresses for our bed. After 4 years, our "Ten Years and No Sag" mattress had developed quite the dent. It had become unbearably uncomfortable. Another appeal. Another "Bring it back and we'll refund it". Again, I had saved my receipt. Who wants to guess where I bought the replacement mattress? With that kind of warranty, I'll keep buying from Sam's!
DISCLAIMER:: I do not try to cheat companies by abusing their return policy. In each of the above circumstances, I had a legitimate claim and made sure the companies knew the circumstance surrounding my letter. :)
Tuesday, September 15, 2009
A penny saved is worth more...
Ever wonder if it's worth it to save $.10 on a can of vegetables, shop the sales, coupon?
Yesterday I mentioned saving is done best by thinking in percentages instead of pennies and dimes. Let me break it down even further...
Say you want a $10 item. You look around on ebay, craigslist, and the yardsales in your area...you find and purchase it for $2. How much did you save?
The simple answer is $8. But, that's not correct. In order to spend the additional $8 (if you're in, for example, the 20% tax bracket), you would have to earn $10. On top of that, you have to pay additional sales tax. You didn't just save $8, you saved $10.56.
How many of us would be happy if our money could earn that type of interest in the bank?
Furthermore, the time you would have spent earning the $10.56 could have been spent looking for more sales. :)
Yesterday I mentioned saving is done best by thinking in percentages instead of pennies and dimes. Let me break it down even further...
Say you want a $10 item. You look around on ebay, craigslist, and the yardsales in your area...you find and purchase it for $2. How much did you save?
The simple answer is $8. But, that's not correct. In order to spend the additional $8 (if you're in, for example, the 20% tax bracket), you would have to earn $10. On top of that, you have to pay additional sales tax. You didn't just save $8, you saved $10.56.
How many of us would be happy if our money could earn that type of interest in the bank?
Furthermore, the time you would have spent earning the $10.56 could have been spent looking for more sales. :)
Monday, September 14, 2009
Everyday Savings...
No great deals to post about today...I thought I would try to post a few of my everyday savings tips in the mean-time.
Breakfast. I hate breakfast. Breakfast means dishes and I had doing dishes, especially first thing in the morning. BUT, it can be an awesome opportunity to save money.
Several mornings per week, the babies ask for cereal. I figured that cereal costs $2 per box and Milk costs $2 per gallon. At this rate, one cereal costs $.22 per serving and the milk $.13. Total Cost: $.35 per person. This of course, is based on 1 serving per person and we all know how many servings growing boys can and will eat.
To save money, I often opt for oatmeal (yes, the instant kind!). Oatmeal costs $.98 for 13 servings ($.08 per) . I use 1.5 cups of milk when I make my oatmeal so add so add $.06 for milk. One serving of oatmeal costs: $.14! I'll add a teaspoon of brown sugar and occasionally a sprinkle of cinnamon. Add another $.02. That's still a savings of 50%!
Can you imagine saving 50% on your grocery bill every month? Yes, at breakfast we're talking pennies, but it's important to think in measures of percentage when saving money. Pennies add up very quickly.
Remember a penny saved is MORE than a penny earned.
Curious as to how? Stay tuned. I'll try to explain tomorrow. It's one of my all-time favorite money tips.
Breakfast. I hate breakfast. Breakfast means dishes and I had doing dishes, especially first thing in the morning. BUT, it can be an awesome opportunity to save money.
Several mornings per week, the babies ask for cereal. I figured that cereal costs $2 per box and Milk costs $2 per gallon. At this rate, one cereal costs $.22 per serving and the milk $.13. Total Cost: $.35 per person. This of course, is based on 1 serving per person and we all know how many servings growing boys can and will eat.
To save money, I often opt for oatmeal (yes, the instant kind!). Oatmeal costs $.98 for 13 servings ($.08 per) . I use 1.5 cups of milk when I make my oatmeal so add so add $.06 for milk. One serving of oatmeal costs: $.14! I'll add a teaspoon of brown sugar and occasionally a sprinkle of cinnamon. Add another $.02. That's still a savings of 50%!
Can you imagine saving 50% on your grocery bill every month? Yes, at breakfast we're talking pennies, but it's important to think in measures of percentage when saving money. Pennies add up very quickly.
Remember a penny saved is MORE than a penny earned.
Curious as to how? Stay tuned. I'll try to explain tomorrow. It's one of my all-time favorite money tips.
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