Saturday, February 9, 2019

After HyVee Price Matches, My Total Plummeted Nearly 50%!


Nearly every item in my cart at HyVee this week was price matched! I absolutely love the convenience of going to one grocery store, instead of three or four to cherry-pick the best deals. HyVee price-matching is the best thing that happened to my grocery shopping in a long time!

Check out today's haul! 


Before any discounts, the total would have been $31.60.
After the discounts, my total plummeted to just $17.55.
My savings was $14.05.
That's a savings of 45%!


Let's look over the specifics of what I bought and how this week's price-matching went.

HyVee Sale Prices

Pineapple 99¢ 


Fresh pineapple on sale for just 99¢ through Monday, February 10th! 

Kroger Price Matches 

 Red Peppers: 99¢ each


Red peppers were on sale at Kroger for just 99¢ each. Once they were price-matched, I got all 4 of these huge red peppers for $3.96. 


 Here's how big they were! We love red pepper and these will figure prominently in this week's menu. 

8 oz. cheddar cheese - $1.88 each



Although HyVee already had this cheese sale-priced at $2.00 each, Kroger offered them for 12¢ less. So, I had them price-matched at $1.88 each, saving 24¢ on two packages. 

Aldi Price Match

Red Grapes 99¢ per pound


These weighed in at just under 2 pounds. I paid $1.90 for this package of sweet, red grapes. 

Organic Spring Mix - $3.99 



This 1 pound container of organic spring mix was price matched at Aldi's $3.99 price. 

Strawberries - $1.39 

 

This is the third time that I have had HyVee price match other local grocery store prices on strawberries. I got two pounds today. 

Your Turn!

What were your best grocery store buys this week? Leave a comment below and let us know! 

 

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Thursday, February 7, 2019

Four Steps To Follow When You Want to Become Debt Free



Debt often seems like a ball and chain, constantly pulling you back to "square one".

However, with careful planning, effort, and consistency, you can end the cycle of debt and gain control of your financial future.

What is a debt snowball?


The snowball is a method of paying off debt is a concept, popularized by talk show host and author,  Dave Ramsey. Basically, you list your debts, smallest to largest and attack them one at a time, rolling the amount you were paying each month toward smaller bill into the larger ones as you go along. In this way, just like a snowball going downhill, you gain speed as you work your way through your debt pile.



How Does the Debt Snowball Work?

I will begin by acknowledging that there are genuine differences of opinion as to whether the smallest, largest, or highest interest debt should be attacked first. I understand the viewpoint of those who say that high interest rate loans, no matter how large, should be eliminated first. However, coming from an  Under the Median perspective, I know from experience that unless a low-income person sees measurable progress quickly, they will get discouraged and give up. By knocking out a small, achievable goal first, they will gain confidence and faith in the process. They will stick with it longer and be able to gain a solid financial footing more quickly. 


 Let's look at specific steps and examples to see how it works.  


https://www.dropbox.com/s/znqier59hh2fzea/Debt%20List-1.pdf?dl=0

I LOVE giving things away for free! So, I designed this handy debt chart for you to use!
Click on the photo or this link to access your free download.

1.  List your debts and minimum payments, from smallest to largest.  

 

List them all. Credit card bills and medical debt are hard to ignore. They are in your face every thirty days. They are growing each month, too, unless you are paying them off in full.  You may be getting calls from debt collectors, reminding you of your obligation. You aren't likely to forget to add those to your list.  Your mortgage is a "no-brainer" too. 

It's those folks to whom you owe money and are not on your front door demanding repayment that you are likely to forget. Did you borrow money from Aunt Sandy for your car insurance? Or $100 from Uncle Bill for your new shoes? Include all family, friend, and personal loans.   

2. Make minimum payments on everything, except the smallest.


In order to stop the bleeding of increasingly larger interest payments, you need to make the minimum payments on every debt. But, the one at the top of your list, the smallest, gets all of your extra time, attention, and money. I want you to attack that debt like a dog scratching to get fleas to jump off its hide. Be relentless. Throw every cent you can find at this one debt. Did you get Christmas money?  It's time to be fiscally responsible. Cash Grandma's check and write her a note, thanking for helping you make your bad relationship with Visa a distant memory.  

3. Proceed through the list, adding the amount you were paying on the smaller debts to each consecutively larger debt. 

This is where it starts to get fun! Let's say your smallest debt was that $100 you borrowed from Uncle Bill for your new shoes. You can easily pay off that familial debt in one month. Now you have an extra $100 the following month to pay on Debt #2. After that is all paid, you move to Debt #3, paying your minimum payment plus the amount you were paying each month on the first two debts. In a very short period of time, you will be able to breathe easier, sleep better at night, and not be fearful to answer your phone while wondering if there is a debt collector at the other end!   

4.  Keep doing this until you are debt free!

We have raised four sons on an income which primarily averaged 30% below the national median. In my story I gave you a word picture, which I hope you will carry with you today.

In my post on gazelle intensity, I said, "I was a woman on a mission. I grabbed that great big, audacious goal with my teeth and wouldn't let go-like a dog hanging onto a bone! I was on fire!  "Nickels and Dimes" became our daily mantra." 

That's what I want for you today! Decide once and for all that you are tired of being broke, tired of living from paycheck to paycheck, and tired of feeling defeated. You are a winner! You can do this thing! 2019 is your year to win with your finances! I am rooting for you!

Don't forget to grab your Free Download!

https://www.dropbox.com/s/znqier59hh2fzea/Debt%20List-1.pdf?dl=0

 What about you?

What is your biggest frustration with becoming debt-free? What topics would you like to see me write about to help you reach your goals? If you have comments or questions, leave them below.

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Hope

Tuesday, February 5, 2019

Three Water Conservation Hacks That Actually Save You Money


Our basement recently developed a leak in a water pipe. This same pipe has repeatedly given us problems. It was Saturday. The plumber couldn't come until Tuesday morning! We quickly discovered that if we shut the water off at the valve and released the pressure at the sinks, then the water ceased to leak.

We made the decision to shut the water off for extended periods of time each day. We carefully planned exactly when we would turn the valve, allowing water to flow through the pipes.  Once we turned on the spigots, we had about 30 minutes before the water escaping from the leak soaked two large bath towels.

About four times a day, as my husband turned on the master valve, I announced that everyone would take the fastest shower possible, brush their teeth, and go to the bathroom so we could flush the toilets. At the same time, I filled the sink with soapy water for dishes, put the kettle on for tea, and ensured that the filtered pitchers were full of drinking water. We moved like a well-oiled machine!

After about 24 hours, it occurred to me that we were probably saving a significant amount of money, by using much less water.  I'm actually a fan of the "green movement" in that the vast majority of the time being "green" not only makes sense, but it also results in saving money. You all know that I'm all about cutting expenses wherever I can!


My Quest Begins


Being the kind of girl who likes answers, I did some research! My quest to see why the loss of water impacted my family's psyche the way it did, had begun. Let's see why reducing our water usage should be important to everyone, especially those living under the median.

 Lack of Water Made Us Value It More

 

When you don't have immediate access to something, you no longer take it for granted. We have four filtered water pitchers, which I normally have to beg the boys to refill. They were suddenly very important! When my husband turned on the water, one of the boys would shout, "Hey, Mom! Are the water pitchers filled?" The entire weekend those pitchers stayed filled. They were our only source of fresh water. We could not longer turn on a spigot to get a drink.

It is a simple fact that without water, you die. Well, it would take a number of days. But, scientifically you can actually live longer without food than you can without water.

According to National Geographic, although 70% of the surface of the earth is comprised of water, just 2.5% of it is fresh. Okay, that still has to be a lot of water, right? Don't get your hopes up. Much of the fresh water is inaccessible, leaving us with just .007% which is potable (that means drinkable for humans).

That right there makes me appreciate being able to turn on a tap and see water run out of it!

Three Ways To Save Money on Your Water Bill

 How much money can you save by adopting some water saving techniques? Well, I'll tell you! An article on the website Sustainable Earth recommends three main water conservation ideas. Each of them will save an average of 1000 gallons of water a month or $140 a year. So, if you incorporate all three, then you are talking about substantial green to put back in your pocket!

(This post contains affiliate links. If you click on a link and make a purchase I will receive a small compensation at no additional cost to you. Thank you.) 


  1.  Low-flow Faucet Aerators  

These handy gadgets are cheap and super easy to put on your faucet. Basically just screw it on. They reduce the flow of water. You are still able to comfortably wash your hands and do the dishes. You just use less water.  These are from Amazon and are incredibly inexpensive for a two-pack! Click here for a link or click on the photo below.


 
https://amzn.to/2VNkuxV

 

 2.  Low-Flow Shower Heads

We got two of these in a kit that my kids brought home from a class. They were studying the energy crisis from the 1970's. and invited a representative from Ameron Illinois come in and talk to the class about water conservation. She brought along a free energy kit for each student. It had a special power strip, light bulbs, and a low-flow shower head in each kit!

The whole idea of a low-flow shower head is exactly the same as the faucet aerators. It reduces the flow of water. So, when you shower, you still get comfortably clean, but use less water!  Click here for a link or click on the photo.


https://amzn.to/2D3WFdT

 

 3.  Replace your toilet or put a gallon jug or a brick in the tank.

For the past several months every single time we flushed our downstairs toilet we have had to pour 4-6 cups of water into it to get it to flush correctly.  It's crazy and frustrating!

Full-flush toilets use 3.6 gallons of water with every pull of the handle. Since 2002, new standards require that they use just 1.6 gallons - nearly 2/3 less water!

If you're not in the market for a new commode then you can put a half gallon jug full of water or a brick in the tank. Wikihow tells you how to follow six simple steps to make any toilet into a low-flow toilet.

If you want something commercially made try these water saving devices called Toilet Tank Banks.

https://amzn.to/2FrFR28

Let me know if you've tried any of these techniques and how they have worked for you. Leave your thoughts in the comments section at the bottom.

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Hope

  

Sunday, February 3, 2019

HyVee Wins on Super Bowl Sunday


I have a confession to make. We don't watch the Super Bowl. It's just not our thing. Instead, we plan something else special. Tonight we will be watching the Marvel movie, Black Panther, as a family. However, like the rest of America, I do serve fun "snacky" foods on Game Day. As pondered our Sunday snack spread, I looked at the sales flyers. In the end, I planned my menu by combining the power of price matching and items which were already on sale.

What did I spend? Just $13.38 for all of this! 


HyVee Sale Items:


Roma Tomatoes - 59¢ a pound. I bought 2 pounds.


Small Avocados -  38¢ each. I bought 4 of them. 

This was a hard call to make. The large size avocados were on sale for 49¢ each. That is a great price for the larger size. I made my decision based on the fact that the smaller ones were slightly riper and we wanted to use them for guacamole today. So, being a "middle of the road" girl, I bought four of the smaller avocados AND 4 of the larger avocados to use later in the week.


Coffee Gouda - 99¢ each! 

These were in the marked down cheese bin. I seriously have no idea how they will taste. But, I love coffee and I like gouda. So, this seemed like an okay combination. I took a gamble and bought two of them.  We are having cauliflower tacos tonight. But, I'm not sure this cheese seems like a taco topping. So, I might wind up serving them on a platter with crackers. 

Aldi Price Matched Items: 


Fresh pineapple - $1.29 each. My savings on 2 of them: $2.42




Large avocados - 49¢ each. These were price matched from Aldi. I know I bought some of the small ones too. But, these were not as ripe. So, I bought 4 of these to use later in the week. I don't know if buying more of the small ones would have been a smarter move. But, it was late, we were hungry, and I made the decision. 

Shop-N-Save Price Match: 



4 pounds of oranges for $1.99. I bought two bags.


Here's My Menu:

Roasted Cauliflower tacos

Easy Pineapple Salsa 

Guacamole 

Fruit Salad

 

What does your Game Day spread look like? 

Do you watch the game or do something different? Let me know in the comments.

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Do all to the glory of God, 

Hope

Friday, February 1, 2019

My Top 5 Finance and Budgeting Book Picks

 https://amzn.to/2DL84jg

I've read countless books on finances over the past 30 years. Some have been life-changing, others not so much. Today I'd like to share my top five picks with you.  I list them in no particular order. I like them all equally well and highly recommend each one.

(This post contains affiliate links. If you make a purchase, I will receive a small commission at no additional cost to you.)


Pick #1: 

https://amzn.to/2SePsjS

Love Your Life, Not Theirs

by: Rachel Cruze 

Rachel is the daughter of legendary financial guru, Dave Ramsey. I was a member of the pre-publication reader team for this book. I give you my honest opinion of the book in this review. In short, I loved this book. I have two sons in their 20's and this book speaks directly to that generation with wisdom and common sense. She writes with heart and a lot of humor. It's a must read! 

Pick #2: 

https://amzn.to/2WoGFLg

America's Cheapest Family Gets You Right on the Money: Your Guide to Living Better, Spending Less, and Cashing in on Your Dreams

By: Steve and Annette Economides 

When I first read this book I thought, "I can't believe how much these people live like Larry and I do!" I was so impressed with their down-to-earth advice and homespun advice. They offer easy-to-follow tips and ideas and good common sense! 

 

Pick #3: 

https://amzn.to/2TkOwri

Cut Your Grocery Bill in Half with America's Cheapest Family

By: Steve and Annette Economides 

I was so excited when the Economides released their second book! They succeeded in writing a second volume full of new, unique tips and advice. This book is centered on reducing your grocery budget without clipping a lot of coupons. Once again, I give it a hearty "two thumbs up". 


Pick #4: 

https://amzn.to/2DL84jg

The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness

By: Dave Ramsey

This was the book that got me excited and ready to go after our dream of paying cash for our second home. It's written in Dave Ramsey's typical "tell it like it is" style. His 7 Baby Steps are well-known and well-quoted by Ramsey fans (and critics) alike. This is a "must read" for everyone, regardless of where they are in the process of budgeting.

Pick #5: 

 
https://amzn.to/2UABR3Z

The Millionaire Next Door: The Surprising Secrets of America's Wealthy

By: Thomas J. Stanley 

This book is written from the perspective of a statistician and researcher. Stanley analyzes information compiled from extensively interviewing hundreds of millionaires. He found some surprising facts about America's millionaires. For instance most have not inherited their wealth. They work middle-class jobs, live in average homes, drive older cars, and clip coupons! It is a fascinating and encouraging read! This classic was updated in 2010. 

It was most recently, rewritten in 2018 and updated by Thomas J. Stanley's daughter. I have the new version checked out from the library right now.

Here's a photo and a link to the new book.

The Next Millionaire Next Door. 


https://amzn.to/2TniwTz

 
I've read so many more books on budgeting and finances. There are just too many to list in this post. But, these five have definitely been my favorites. 

What about you?

What books have been your favorites? I'd love to know! Leave your thoughts in the comments section. 

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Do all to the glory of God, 

Hope