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...]

How To Whittle Down a Grocery List That’s Too Expensive


So you made your grocery list.  You added it up.  And it was $50 more than you budgeted.  Uh oh.  What now?!  When that happens to me, as it does frequently, here’s what I do to get it where it needs to be: 1.       Look for items you can put off until another week.  I had several items on my list this week that were getting low but weren’t out yet.  So I skipped them for a savings of … [Read more...]

How I Track My Finances in My Planner

planner closed

I’ve been keeping track of our finances in my planner for at least 10 years.  I keep track of our personal finances and the finances for my husband’s small business.  Most businesses wouldn’t be able to do this but ours is a small business (just my husband) so it works. To give you an overview, we have seven accounts: Business Account Personal Account 5 Savings Accounts The financial … [Read more...]