Money Monday – Snow! Or Snow?

Pre-Snow

 

With the east coast about to suffer through our first major storm of the current winter season, I wanted to say I hope you are staying safe with loved ones.  Do what you need to do to stock up for a few days.  It always feels like you never know what to get excess of but whatever you consider to be the basics, stock up on that.  My good rule of thumb is gas for the car, paper goods, canned goods, frozen meat, dried pasta, and veggies.  That type of food can go a long way in various mixtures to create yummy cost effective meals that will last for a few days.  Of course, movies, or these days start adding quite a few things to your Netflix queue.  And for some of you, definitely alcohol.

Remember to stay warm, and check on elderly neighbors if you have any.  If you have neighbors close by, you can always do a potluck dinner.  That’s always a fun way to socialize and save on expenses when it comes to making a hearty meal.

Stay safe out there!

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Money Monday – Are You Keeping the Change?

Money Tree

We have all heard of extended friends, family or coworkers that have taken vacations with the change they collect in a jar.  In fact, most people are moving away from paying in cash all together, so we probably haven’t had change jingling around in quite a while.  Possibly the only time was when we had to request a new bank card and was forced to use cash for a week or two.  I know it can seem daunting to walk around with cash these days.  If you are robbed, it’s much easier to make one call to the bank or credit union and alert them then wait for a new card versus losing all the money you were carrying in one swoop.  But why not start small?  Keep a smaller amount on you in an effort to start accumulate change.  Believe it or not, you will be surprised at how much change you end up with at the end of the week, or end of the month.  This habit will also help you save more of your money.  If you physically have to remember, and count out either exact change you will know exactly how much you have spent.  You won’t have to play the, “Am I going to overdraft?” game and either run home or feverishly check your account online through your phone.

It’s worth a shot, right?

Instead of scrolling through various social media sites looking for a savings solution or starting a savings plan in January only to give up by the end of February, start small and build on your savings goals.  You will be very surprised at the results by even Memorial Day or your Summer Vacation, and create a new positive habit for yourself!

Money Mondays – The Blackest of Fridays

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I know for a lot of families, they plan ahead of shopping routes, stores sales, whose car can hold the most stuff, and which big ticket item they are buying this year months before Black Friday is even a thought in most of our minds.  I’m not even kidding when I say they map routes.  I have known people throughout the years that would literally map out their routes and hand out copies to family members to score the best deal on that majestic Friday.  I think military strategists could take a lesson or five from them.  I know for some families, they have the tradition of getting up early and going shopping on Friday, or just enjoy the thrill of the hunt; not so much the long lines, possible fighting, and waking up hungover from booze and turkey filled stomachs.  Is there really any advantage of all the effort shopping and planning?  I think years ago it was beneficial to shop that day to save money, but with the way things are now, most companies offer better sales all through the year, especially after big marker holidays.

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Money Mondays – Why Small Business Matters

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Part of the conversations I have had lately all revolve around how someone I know has lost their job, or they know someone who was laid off or fired from a job they thought was their golden ticket to retirement age.  The sad reality is most employers do not care about their employees, they only care about their wallets.  This includes not wanting to pay Uncle Sam (taxes) or pay their employees what they are worth.  This goes for both big corporations, and the small business that sells the stuff you love but complain is too expensive.  So what gives?  Should we revolt?  Should we march on Washington?  Actually in some cases we definitely should, but in this instance, it is important to remember why small businesses matter.  They matter not only to your paycheck, but to your communities around the US, and globe.

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Money Mondays – Is There a Secret to Saving Money?

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We have all seen or known people who are able to put money away for that rainy day.  They rarely buy anything new, have an old car, don’t really go out, and utilize coupons or savings clubs in an effort to save money.  In our modern times, it is more important than ever to watch when AND how you spend your money.  Rent and mortgages are getting more expensive, child care is through the roof – every necessity is becoming more and more expensive; so how can we actually save money?  Can any of us actually get ahead?

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