Tips on saving money on groceries - article on the food items that have leaped by 12 to 15% in cost this year, why they became expensive, and ideas for substitutions or keeping the costs down.
Now subscribing to my favourite (but not frugal) store for weekly sales, and paying attention to Target coupons -- I live near a Target store, which is great because parking can suck. Although we've had a Target Superstore for a few years, we hadn't much incentive to go there for groceries.
Did I mention I went to Goodwill thrift store yesterday and bought: two sweatshirts, two pair socks, one pair trousers, one pair gloves (maybe too small) for the boy; and one sweater, one wine/burgundy pair of pants, one J. Crew shirt, and a dozen other items all for $34.80? Those are nine items off my replacement list.
I answered a survey for King Arthur Flour and earned a $10 promotional discount, so I bought some gift baking mixes for my aunt and sister-in-law and some Bennsdorp cocoa (awesome for hot cocoa!). The $10 took the edge off the $12 shipping fee, but still.
Budgeting $4200 for the month.
Question for those with mortgages: when the payday falls on the 2nd or 3rd of the month, do you wait until that day to pay the mortgage, or do you pay always by the first of the month? With my old mortgage my self-designed payment date range was four days before to four days after. I ask as December 2 is five Fridays away, and that's three pay periods for us (4th, 18th, 2nd).
11/1/11!! 11111 is not a prime number: it is the product of 41 x 271.
Now subscribing to my favourite (but not frugal) store for weekly sales, and paying attention to Target coupons -- I live near a Target store, which is great because parking can suck. Although we've had a Target Superstore for a few years, we hadn't much incentive to go there for groceries.
Did I mention I went to Goodwill thrift store yesterday and bought: two sweatshirts, two pair socks, one pair trousers, one pair gloves (maybe too small) for the boy; and one sweater, one wine/burgundy pair of pants, one J. Crew shirt, and a dozen other items all for $34.80? Those are nine items off my replacement list.
I answered a survey for King Arthur Flour and earned a $10 promotional discount, so I bought some gift baking mixes for my aunt and sister-in-law and some Bennsdorp cocoa (awesome for hot cocoa!). The $10 took the edge off the $12 shipping fee, but still.
Budgeting $4200 for the month.
Question for those with mortgages: when the payday falls on the 2nd or 3rd of the month, do you wait until that day to pay the mortgage, or do you pay always by the first of the month? With my old mortgage my self-designed payment date range was four days before to four days after. I ask as December 2 is five Fridays away, and that's three pay periods for us (4th, 18th, 2nd).
11/1/11!! 11111 is not a prime number: it is the product of 41 x 271.
November 1st, 2011 at 03:56 pm 1320163012
That said, I budget more on a monthly basis, and have the money to pay the mortgage 15 days before it is officially due. I like to stay ahead of the curve, but will pay with the next paycheck for improved flexibility and cash flow. (So if I don't deposit my paycheck for 2 weeks, then whatever). Not being able to pay the mortgage until the 1st, 2nd, 3rd is the manifestation of bad financial habits, for me. But, it is the easy way to free up $1000 in a pinch, without touching any savings. But it's a very lazy move when I do that.
November 1st, 2011 at 03:59 pm 1320163197
November 1st, 2011 at 04:13 pm 1320164036
Enjoy!
November 1st, 2011 at 04:36 pm 1320165367
November 1st, 2011 at 05:15 pm 1320167752
I think their standards are probably pretty easy. I applied in the store and was approved in about 30 seconds. They're easy to pay on line--and man, for me, that 5 percent adds up.
November 1st, 2011 at 05:31 pm 1320168704
Jerry