Bacon Around Their Steaks? Why Do Stores Do This?


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

What's Up with Bacon Around the Steaks? At first blush, you may read the title of this article and think, duh.....the bacon is to taste better. While that may be the case, it's not the answer. When you buy meat in the grocery store, don't pay them to do something that you could do yourself. If  you do, you are going to pay a premium. Stores have developed profitability strategies based on upgrades just like the restaurants. While they may not ask you "Would you like me to super size that?" they … [Read more...]

Budget Within A Budget


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

Budget Within A Budget Having a budget in place is smart; managing it is even smarter. Someone once told me I budget within a budget when I taught a couponing class, I didn't quite understand what that meant but apparently I was doing it. He explained that I break my budget down so fine that I know where all of our money goes on a regular basis and I am very good at moving money budgeted for one thing to pay for another if a deal is right without causing any ripples in my bi-monthly budget. He … [Read more...]

Refurbished Products, Buying Them Makes Sense


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

Buying Refurbished Products Do you buy refurbished products? It never fails. I post a deal for a company like Bestbuy.com or 1SaleADay.com at an incredible price, share it to the wall and someone feels the need to comment "It's refurbished, you better be careful!" Because of this interesting phenomenon, I decided I should probably write a post about why I typically prefer buying refurbished products. At some point in our lives, we have been excited to go to the store, buy an electronic device … [Read more...]

Emergency Fund – How Ours Saved Us


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

Saved By the Emergency Fund Our emergency fund definitely saved us! If any of you have found me on a live chat over the last 4 weeks, you've probably heard me say my husband is out of work at the moment. He hurt himself at home a few weeks ago and we found out he has a herniated disc in his back. He's currently in PT and headed for trigger shots in hope of avoiding surgery. What you wouldn't know is that we have had zero money coming to this house for the last 4 weeks. Yup. Zero. While I am … [Read more...]

Couponing Excuses – Turning Them Into Million Dollar Ideas


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

Turning Couponing Excuses Into Million Dollar Ideas How many couponing excuses have you heard? Let's face it: we are all pretty busy. We don't have time to think, let alone organize hundreds of coupons, plan shopping trips and then, after hours of preparation, head out to the store and actually buy our items. I hear it all the time and I am sure you hear it all the time as well: "I don't have time to coupon." Our friends and family give us this excuse. They tell us they don't understand and … [Read more...]

Measuring Clearance Deals- Is It $X Cute?


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

Measuring Clearance Deals I love clearance deals! Most of my clothes, shoes, accessories and household items are either clearance or from close out stores. It's so easy to get caught up in the excitement. All those clearance balloons, wonderful bright yellow or red signs, shouts of 50% savings... it all gets my blood going. However, I'm a firm believer that you have to "weigh" the value of the item on clearance. So are you measuring clearance deals? Keep reading. How Measuring Clearance Deals … [Read more...]

Store Brands, Are They a Good Value?


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

Are Store Brands a Good Value? Store brands have come a long way since their inception in the 1970's by Ralph's Super Markets and almost every store we shop at now have their own store brand products on the shelves next to the brand name products, but are they a good value? In many cases, yes they are. When we buy brand name products we are also paying for their research, packaging, marketing and every other expense they incur to bring that product to us. Where do store brands come … [Read more...]

Stretching Your Dollar Even More


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

Stretching Your Dollar Knowing your prices and products can really help with stretching your dollar even more. Case in point is the photo below. Both are pork tenderloins; however, one is seasoned and one is not. Last spring (I was learning) I bought 20 seasoned tenderloins on a BOGO sale @ $9.99 and I had $1/1 coupons making each one $4.00. I wont do that again. In the photo Seasoned pork tenderloin cost $9.99 (regular price) for 1 lb 6 oz or 22 oz each Plain pork tenderloin $3.23 … [Read more...]

Debt Journey- Another One Bites The Dust!


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

My Debt Journey We are still in our debt journey and in the debt snowball phase of our Total Money Makeover, but we are blowing up the debt. We've had some setbacks along the way. However, we paid off hubby's bike this week, 29 months earlier than original payoff!!! So now what you ask? The amount of the bike note, plus the snowball money, will now be applied towards his car note. The last debt, not including the house. According to the plan we will pay it off in August 2012; 1 year … [Read more...]

Games Stores Play That Get Us To Pay


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

Go Into Games Stores Armed with Knowledge When was the last time you paid attention to the games stores play? I have no doubt that some or all of these tricks have gotten our attention at one time or another. Stores play games to drain our bank accounts. Are you a fighter, walking out with your budget in tact? I'll admit it, I haven't always been the worthy opponent, but I am now far more aware of the spending decisions I make and the impact they have on our finances. You might think … [Read more...]

Budget, R.E.L.A.X. Your Way into One


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

Relax Your Way into a Budget When some people hear the word budget, they run for the hills like their hair is on fire. It can be a simple thing if you break it down and R.E.L.A.X.  your way into it. R-E-L-A-X Acronym for Budget Record Everything - The only way to know the base of your financial plan is to know what you are spending on everything. I suggest before starting a plan, you track your spending for 2-3 weeks. This will give you a clear understanding of where your money is going.  … [Read more...]

FICO Score – What Does Yours Mean?


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

What is a FICO Score Anyway? So what does a FICO score mean? Well, your credit score is important, right? It is also valuable for you to know it. What's even more valuable is if you know it, you know what it means and can actually do the right things to impact it. In the financial services world, your credit score is often used interchangeably with the word FICO. Actually, to be 100% accurate, FICO is not a word which is why if you would have tried to look it up in the dictionary, you may … [Read more...]

You Paid that Debt Off, Now What?


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

Debt Paid Off? Debt Sucks! There was a post on the Facebook wall Tuesday morning by a fellow Wiz Kid that was excited to be paying off their vehicle in the coming months and it reminded me of what my husband and I started doing once we paid off our vehicle. Of course every situation is different, and you may very well have more debt that you need to pay off instead of doing what we do, but to get you thinking of other possibilities, I thought I'd share. Goodbye Car Payment Like most of … [Read more...]

Credit Score, I Break Down the Ins & Outs


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

What Is Your Credit Score? In short, your credit score is your financial report card. Think of it like a batting average in baseball. Instead of telling the opposing team how likely you are to get a hit, it tells lenders how likely you are to repay an obligation to them. Many things are taken into consideration when your score is calculated, but the primary index is your past history of repaying loans. Lenders need this information because it will help them identify what type of credit risk … [Read more...]

Budgeting, How It Got Me Behind the Wheel WITHOUT Buying a Car


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

Budgeting for Expenses Are you budgeting for emergency expenses? Last February, I was driving home from work when the upper ball joint on my car broke as I was driving down the road. If you've never had this happen, it's SCARY!! If it had happened one mile later, I probably wouldn't be typing this today because I would have been driving down the highway at 65mph rather than going about 20 because the stoplight had just turned green. That week, we bought a 1997 Grand Am from a local … [Read more...]

Tax Refund, I Got Mine, Now What?


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

Using Your Tax Refund How do you use your Tax Refund? First off, as explained in this post entitled xx, I don't think you should be getting a tax refund at all. However, if you do, this is a great way to use it. In your quest for financial freedom, you will not get very many opportunities to have a large lump sum of money fall into your lap.  In fact, tax time may be the best opportunity some of you will have all year. This is why it's paramount for you to know exactly what you are going to … [Read more...]

Emergency Fund – Don’t Touch It! How? Plan!


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

Don't Touch the Emergency Fund I established my $1000 emergency fund while I was single and living on 1 income. It took working overtime and a lot of sacrifice! I have become very over protective of it. I'm talking mama bear with small cubs over protective. Early on, I had to touch it for a small car repair. It wasn't an "emergency," but it needed to be done. That was a big aha moment for me. I realized that I really did need to budget for certain things like they were a bill so when they … [Read more...]

Kids, Get Yours Under Contract


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

Get Your Kids Under Contract Teaching your kids about money is probably one of the most important gifts you can possibly give them. I think it's despicable that children today aren't required to take some sort of a household finance class before they are allowed to graduate from high school. Let's face it, they are doomed from the beginning when they get to college. They meet the people soliciting them for credit cards before they meet their advisers. It's no wonder that the average college … [Read more...]

92d3fe425d250a07f0690e7b9446fd75d36d34df8c1539a41f 92d3fe425d250a07f0690e7b9446fd75d36d34df8c1539a41f