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Changing the way I shop

February 9th, 2022 at 03:07 am

Now that I have a full two grocery shops under my belt, I am seeing that indeed about 31% of all of my disposable cash is going to unnecessary things.  I not only see fast food purchases, which could easily be trimmed, but also luxury goods that I really don't need like soda.  I will be cutting these things conciously.

I'm not a big couponer, because I would rather just cut out purchases all together.  Otherwise, if I can't find a coupon, I will be tempted to buy it anyway.  That's how the soda habit started.  I was buying only on sale with a coupon and then I got used to having it with dinner.  Building daily habits that aren't expensive, not looking for ways to get what I want inspite of expense is my goal.  

So my go to drinks are diet soda, coffee with sugar free flavoring syrup, and plain black tea.  To be honest, the coffee is more expensive, when you total the half anf half and the torani sugar free syrup in with the coffee, than even soda.  It also has some ill effects on my health.  So I think coffee and diet soda has to go.  I will still drink black tea for now.  I need alternatves that are low sugar and inexpensive that aren't just tea.  Our water tastes and smells like wet dog some days, so that is why I don't drink water plain.  Cutting out fast food, coffee and all the accessories, and soda will save me about $30 a week or about $1,500 a year roughly.  

I would like to take the money I save and invest it in paying down debt and a decent water filter that I can fit in the fridge to take the wet dog smell and taste away.  If I take what I save and spend even $300 a year on a water filter and filter cartridges, it would be worth it.

That's what I got so far anyway.  As far as getting a check or direct deposit, I inquired with my boss.  She doesn't do checks anymore as the post office lost too many she said.  She told me I could be without my pay for four weeks waiting on the first check to come in from the mail.  She said they are looking for other pay optons.  I have inquired about cash app and they do not do that.  

Cookbooks for the frugalminded

April 30th, 2014 at 08:38 am

Free cookbooks from a genius in the kitchen and with money

http://www.leannebrown.ca/cookbooks/