Connecting moms in Polk County, Fla.
I had come across this on one of the blogs I belong to on Facebook and email updates. This sounds great if you can do it. I figured even if you can't, maybe even put half the money in would be good. Going to get the page printed out and see what I can stick to. Guess that means more coupons and hitting the sales. A friend of my mom used to take the money she saved in coupons and BOGO's and put it in a jar. So if she saved $30 in that trip, she put that $30 in a jar for savings. She would not spend that money. She did her meal planning and budget at regular prices. So if she had a $150 budget for food for the week and only spent $100, she put the $50 aside instead of looking at it as free money. Plus she had a jar of loose change she found when she was out and about (it does add up plus bending over or walking a few extra steps from your path is exercise).
Here's the link:
If you can't pull up the picture by clicking on it so it's bigger to read and print, just let me know.
I was thinking the same thing at those later weeks. It is a lot. Thinking maybe if there's a bit extra money one week to put it in. Maybe like in week 10 instead of putting $10 in, maybe a few bucks more as well. I got a couple baggies filled with loose change. I usually give it all to Jesse to put in his bank jar (it's a counter) and after it gets filled we put it in his bank account. Last time we did that he deposited just over $100 in his account. The jar wasn't 100% filled because it was really heavy. With his bank account he can bring in the loose change and will not get charged fees as long as he deposits it.
I got a ceramic bank that says "mom's stash". Well put the money in there as no one dares to touch it..LOL
I am going to give this a try! I saw December and was like UGH... but then thought of okay... with some income tax return pay ahead for December. Biggest Goal this year is to learn how to save money by giving this a try, learning and utilizing coupons to my benefit and family needs, and of course my handy change jar (wine jar)... the change really does add up!
I was talking to hubby last night about this and we are going to give it a try. Would like to do a jar for each of us, but I think trying to save all that for 3 people is going to be hard. I may just give it a try though. I know one of hubby's store's credit cards was paid off a few years ago and he refuses to use it again. So it sits collecting dust. The other store credit card is about paid off too. Got another 2 payments after this one and should be paid off. May just pay off next month instead. That's another card he refuses to use too. Of course the stores make it really easy to use your card even if you do not have it on you. They can pull up your info without it and charge it to there.
The ideas to use that extra cash at the end of the year can really open up a bunch of possibilities. You can pay off or pay down some debt, take a vacation somewhere nice, use it to buy gifts, and such. We do have a car loan, but I found out if I send the payment in a few weeks early it does lessen the amount we owe. Kind of like paying it on the due date and adding a little extra cash to it.
What would you do if you had that extra $1,378?? I think it would be fun to see what everyone would do.
There are so many ways I would spend that extra money. New shoes, an extra car payment, put a little away for our vacation, take my mom out to lunch, get my daughter to the dentist, give my kids some gas money... Endless possibilities! I finally got a raise after 5 years without one. I can't do the pay by the week as they suggest. But as we get paid twice a month, I am having an automatic transfer to a savings account of $12.50 each pay. Not a lot, but more than I have been saving! Hopefully, I won't touch it and will let it accumulate. I will also try to take a bit of my tax refund and put it away. I do want to pay off one of my store cards, also. Nice to have in case of needing something new for an unexpected event or situation, but the interest charged is ridiculous! Homeowners association dues are also coming out of that refund. It is always something!
Hubby has it set up through the bank that each month $25 goes to savings. Of course we did hit it otherwise we would have A LOT more in there, but it's okay. It's back up money in case we fall short on a check or two. I always try to put money aside from income tax, but it's hard when hubby sees it as a temptation. Every time he gets what he wants, he says the rest is mine to do what I like which ends up being a couple thousand. Never works out. I feel awful using it on something I really don't need and end up holding it on the side for emergencies. So we dipped into it a bit more than usual.
This income tax is going to a NY trip. Got my 25th High School Reunion and family to visit. Granted it's expensive, about $4,000 on the high end for 3 round trip plane tickets and car rental for 2 weeks. He tried talking me out of it last night saying a cruise is cheaper, but we've been to Texas 2 times and I want to see my family and friends. Looking for a cheap way to travel.
I'm doing this as well. I printed the page and every week after I deposit the amount, I mark it off with a highlighter. This money goes into our regular savings account. Any money that I receive from doing surveys goes straight into our Christmas Club account at MidFlorida.