Credit Card Expiration Dates Affect Automatic Bill Payments

Credit Card

Most of us have at least one or two bills that are paid automatically using a debit card or credit card.  I have two.  And I always forget that the expiration date matters. Fortunately one of the bills I pay, my health insurance, is very good about sending me a reminder when my card is about to expire.  The letter even has a form for me to complete with the new information.  But the other bill … [Read more...]

6 Tips to Make Product Returns Easier


Have you ever purchased something only to find that it didn’t work out? Maybe it was too big, too small, broken or just the wrong item.  Returning the item can be easy or a nightmare. I’ve returned a lot of things over the years and I’ve learned how to do it so it’s fairly painless.  Here are my best tips: 1.      Keep the receipt.  Some places don’t require that you have a receipt, but it’s … [Read more...]

Reverse Budgeting

Monthly Budget Worksheet

Everybody agrees that budgeting yields BIG results.  But that’s only IF you can stay on your budget. I’ll admit that I’m a bit of a spender.  And I do have a budget but I’m very creative at finding ways around it.  Yes, I know.  That defeats the purpose.  But the truth is, even when I fudge a little, I still do better than if I didn’t have one at all. But that’s not the point of this post.  … [Read more...]

Just Say No . . . To Free Trial Offers

Just Say No

There are some people in this world who can say “yes” to one of the many free trial offers available and then actually remember to call ahead of time to cancel. You know what I’m talking about – “I’m calling to offer you a free three month trial to XYZ.  At the end of three months, if you aren’t completely satisfied or don’t want to continue, just call and cancel.  No questions asked.” Have … [Read more...]

Shop Around for the Best Prices – IN THE SAME STORE!


I buy buckets on a regular basis and usually four or five at a time.  I primarily only use them for mop water but when I need one, I can’t find one.  My husband has a bad habit of swiping them to mix up various things he uses in his remodeling business or for remodeling our home. Since I buy a lot of them, I want the cheapest ones I can find.  Unfortunately, the ones on the cleaning aisle are … [Read more...]

How to Go OVER Budget at the Grocery Store

Shopping List

I spend a lot of money at the grocery store.  That’s because: We eat nearly all of our meals at home. My husband always takes his lunch and several snacks to work every day. My husband likes to eat and eat well. I feed other people frequently. My grocery budget includes household items like cleaners, pet food (for one large dog and a cat), diapers for the grandkids, makeup, etc. I … [Read more...]

Plan Ahead with a Budget Allocation Worksheet


I’m on a budget.  I don’t have an unlimited amount of money to spend each week so I’ve learned that if I don’t plan ahead, my money gets spent where it shouldn’t and I can’t pay for things I should. In an effort to plan ahead and set aside money for things I need, I came up with this Budget Allocation Worksheet.  I don’t like it because it keeps me from spending mindlessly (which is how I like … [Read more...]