My Rules for Coupon Use


The Rest

Recently I have begun using coupons in an effort to maximize our grocery dollars. I wanted to make sure, however, that my coupon use reflected a true savings so I implemented these rules for their use: 1. I only use a coupon for something I was going to purchase anyway. I’m willing to change brands […]

April 19, 2006

Cheap Cooking


The Rest

In my wandering through the world wide web I ran across Ellen Ferlazzo’s website, Cheap Cooking. What a great resource! Recipes, menu planning, price books, grocery lists…it’s all there! She also has a blog, newsletter, and two e-books. (I love e-books. More on that later). You can read more about Ellen here: Pleasanton Weekly.

April 14, 2006

Another $65 in 15 minutes


Managing Money

Personal finance bloggers have some crazy/igenious ways of making money online. Two of my favorite blogs for ideas on this topic are My Money Blog and The Money Dummy. A lot of ideas I’ve encountered from personal finance bloggers center around the use of credit cards, which I’m not comfortable with, and things like taking […]

April 12, 2006

$70 in 15 Minutes


Managing Money

Last month I entered the world of online banking. I took advantage of a referral link and opened an ING savings account. The interest rate is a respectable 4% and I received a $25 bonus in my account for opening it. Not bad. The way the ING referral program works is the refer-er gets a […]

April 11, 2006

The Price Book – Part I


Managing Money

My recent efforts at saving money have focused on our grocery bill. For me, grocery includes health and beauty items and household items like cleaning supplies. In this regard I have found that keeping a Price Book one of the most helpful things I do. In its most basic form, a Price Book is simply […]

April 5, 2006

The Price Book – Part II


Managing Money

Keeping a Price Book is simple, but it can be overwhelming at first. Below are my ideas for starting and maintaining a Price Book with a minimum of time and effort. Start with just a few stores. It can be tempting at first to run all over town and check out every store available to […]

April 5, 2006

Cheap Closet Makeovers


The Rest

I have a friend who has had her closets done with California Closets. I love her closets. I envy her for her closets. I can’t afford her closets. And yet my desire to be organized is right up there with my desire to be financially fit. So I’ve given a couple of closets in my […]

March 31, 2006

Coupon Savings


The Rest

I’m not a coupon queen. I rarely look through the ones that come in the Sunday paper and when I do clip them I usually forget to use them. About the only coupon I use with any regularity is the free $10 Target giftcard with a new or transferred prescription. I get excited when I […]

March 31, 2006

Dave Ramsey’s Baby Steps


Paying Off Debt

I love personal finance and have, therefore, read and listened to lots of financial experts. No one has impacted our personal finances as much as Dave Ramsey. I find other experts interesting and maybe picked up a pointer or two or have something I already know reinforced but Dave Ramsey has actually impacted our finances […]

March 28, 2006

Debt Reduction Calculator


Paying Off Debt

In our journey to get out of debt, I have found that I love playing around with debt reduction calculators to see how long it will take and what the impact of lowering interest rates, making extra payments, etc. will have. The best calculator I have found so far is Mary Hunt’s RDRP (Rapid Debt […]

March 27, 2006