Posts Tagged ‘finances’

Are Coupons Worth the Hassle?

Thursday, January 26th, 2012

I’ve heard people say thare-coupons-worth-the-hassleat by clipping coupons, you can save up to $100 a month on your grocery bill. Back when I had no money at all and couldn’t use my time to earn any income, I learned how to do coupons just to survive. And what people say is true, but it is also tedious. Right now in my life, if I can spend an hour recording a workshop instead of clipping coupons, that hour will yield me money for the rest of my life instead of a few measly dollars for just one week.

When you’re desperate to feed your kids, you’re not as irritated by having to clip coupons. Ideally, you want the item to go on sale before you use the coupon. This way you can sometimes get the item for free. Strangely, sometimes I even came out ahead, with the grocery store paying me to get the item. I know it seems weird, but the manufacturer pays some of it, so the grocery store still gets money even when you didn’t pay a penny.

are-coupons-worth-the-hassle-2Coupons expire. And if you’re not a die-hard coupon person, if you’ve already spent money on gasoline to get to the store, you might as well use all your coupons on the spot and be done with it. To wait for every single thing to be on sale would take forever, and who wants to do that? Not me.

Instead of using coupons now, I just follow the major sales in grocery stores, called loss leaders. For example, a local grocery store has a cereal sale where Cheerios and other well-known cereals sell for $1.69 a box. I buy 70 boxes. Yes, you heard me right. If you find the rock bottom price, stock up. Your grocery bill will be lower for the next few months because you are buying no cereal. You’re saving a ton of money.

Despite the fact that I don’t do heavy couponing any more, I still use coupons to my advantage with virtually no work on my part:

1. I use Costco coupons. While my husband drives to Costco, I flip through the booklet of coupons we’re sent in the mail, and I tear them out. These are coupons for toilet paper and other things we buy all the time, and it’s always several dollars off, not just 25 cents. And since I’m sitting in the car doing nothing anyway, it doesn’t take up time.

2. Resale shop coupons are fun. There are five resale shops in my neighborhood that are quite good. (I realize that Goodwill-type stores in some towns are nasty, icky, and musty, but other cities have awesome, expensive name-brand stuff for a dollar or two.) Whenever I have a coupon for a resale store, I use it. The item I’m buying, like a new-looking jacket for my son for $4, ends up costing only $2 with a 50% off coupon. If a whole stack of clothes are 50% off, you can get a fresh wardrobe for your children for the new school year for just pennies to the dollar.

3. Coupons for going to an expensive place are also worth using. Places with roller coasters, for example, often have coupons for $10 off. Sometimes it’s buy one, get one free, and if the ticket to get in is $38, you’ve just had fun for a lot less money if you wanted to go there anyway.

These three types of coupons (Costco, resale shops, and expensive places) are the only coupons I do now. So to answer the initial question, “Are coupons worth the hassle?”, when I had babies and toddlers and was in a mental fog and had no money; yes, it was. But now that I’m not in that situation, my answer is no, they’re not worth the bother.

 

How Technology Rules Us: Part 1

Monday, September 12th, 2011

how-technology-rules-us-1I got my first cell phone this year. Yes, I have lived without a cell phone for four decades and survived. When I grew up in Guatemala, my family went nine years without any phone whatsoever, not even a land line. When a bullet came through my window nearly killing my sister, my mom had to wait until my dad got home from work to tell him.

When I was 18, I moved to the United States. Valuing money, I decided to not spend my money on frivolous things. I saw cell phones like a piece of American jewelry, a decadence that made people feel important. Instead, I saved up all my money, and when I had the chance to live in England, I used the thousands of dollars that I had saved to travel the world. Yes, you have power when you have money. Power to live the kind of life you want to live instead of being enslaved to an American credit card institution that jacks up your interest rates and gives you no way out. Then you’re stuck.

Perhaps I thrived more as a result of not having a cell phone. I was productive. I wasn’t constantly checking for text messages, and continuously surfing the net from my phone, checking Facebook or whatever, generally wasting time. During a lull in the day, I would pray for someone, or turn and have a conversation with a real person, sometimes resulting in the salvation of a soul.

A cell phone is not necessary for survival. We just think it is. People have survived for thousands of years without it. You don’t need one.

A philosophical problem I had with getting a cell phone was that everyone that I knew bowed down and worshiped their cell phone. No, not physically, but in their hearts, because they were ruled by it. For example, I would be out on a date with my husband, and nearly every single person in the restaurant was looking at a cell phone screen instead of spending time with the person they were with. Our virtual lives have taken over our real lives.

So how come I finally bought a cell phone, and not just any cell phone either, but a modern one with all the bells and whistles? Because my sisters were begging me to get one. They wanted to feel that they had access to me 24/7, and they just wanted to say “I love you” and not have a long phone conversation. And because my business coach said I needed it to check e-mails and post to Twitter and Facebook. And then we finally had the money. Plus, my husband wanted one badly. Well, he wanted both of us to have one, so that he could get a hold of me to tell me that he was in a traffic jam and would be an hour late, and to please take the kids to karate and guitar practice. So yes, the cell phone has immense practical value.

I knew that I had come full circle when I ended up texting people during a date with my husband, which is something I determined never to do. I had purposely left my cell phone at home, getting into the car. My husband slid into the driver’s seat, handing me my phone and saying, “You forgot this.” As soon as we were driving away, my phone chimed. I had gotten a text message, and only five people have my cell phone number: my husband, my best friend, and my three sisters. Knowing that the chime indicated a person that I loved who had a need, how could I not get it? Besides, it would only take a few seconds to answer…

Saving Money on Groceries

Friday, October 29th, 2010

saving-money-on-groceries

Saving money on groceries is something that everyone is trying to do in our economy. First off, I would stock up on “loss leaders.” Those are the promotions that the grocery store loses money on (or barely breaks even) to get you into the store to buy all your other groceries. What I did when money was really tight was this: I would spread out all the front pages of the grocery fliers (the ones you get for free that are delivered to your house). The front page of each flier had the best deals, and I would circle anything that we liked to eat. Then I would go to each store and buy only loss leaders, and maybe one or two simple things like eggs that I needed. I came home with $200 worth of groceries for less than $100. I did this regularly for years until the gas prices went up and two of my kids were lactose intolerant.

cutting-the-cost-of-groceries

Then I had to change my plan. Driving all over town cost more than what I was saving on some of the groceries. Lactaid milk cost a dollar less per half gallon at Walmart than at any other store. It saved me $30 a month. I also noticed that generic Saltines were 99 cents regularly at Walmart, and normal grocery stores charged almost $4. We ate Saltines with soup all the time at our house; maybe 4 or 5 boxes a month, besides the home-made cheese and crackers and peanut butter and crackers that I made whenever my husband wanted to go out with the family any time around meal time. If I brought a cracker snack with us (and recycled bottles of water), we could make it home without fainting and without buying fast food, which we couldn’t afford back then.

This is not an ad for Walmart. They are not the cheapest for everything (especially meat), but if you combine coupons with Walmart’s low prices and buy meat at other stores during big sales, you can pretty much buy your food for much less. I ended up going to Walmart once every two weeks, which was my normal schedule for buying food. We would have fresh fruits and vegetables the first week, then canned or frozen the second week. If you go to the store fewer times, you save money. It’s a fact. Milk now lasts at least two weeks, so there is no reason to go to the store between times. Staples like eggs and bread, you should know how much your family normally eats. It was only once or twice a year that I had to send my husband to get one thing at the store. Otherwise I already had everything.

veggies

Another way I’ve saved money is by finding hunters. The hunters’ wives usually have extra freezers full of deer meat, and they are so sick of it, they often want to throw away perfectly good meat. I’ve often gotten 50 pounds of free meat this way. It was a life saver back when we had no money whatsoever. If you can’t stand the taste of deer meat, mix it with regular meat, and it’s not so bad. And recipes like chili are so strong that it wouldn’t matter what kind of ground beef was in it.

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Make recipes with what you already have. So many months we had no money in the bank or in our wallets, and we had to make it two more weeks before paycheck. I would write down everything in the freezer, cupboard, and fridge. Then I would ration out the meat, fruit, and vegetables. I always made sure to give my children protein, milk products (for calcium), fruits, and vegetables each day. Then I filled up the rest of their belly with cheap carbohydrates like potatoes, rice, bread, or whatever. The children were always full, even though I was rationing the foods that were more expensive. Junk food was absolutely out of the question, since we barely had enough money for the core foods. I would sometimes get the coin jar, grab all the quarters, and go to the store for fruits and vegetables, because we ran out of these the fastest. My children were healthy.

I’ve never been able to grow my own food without a monetary loss. The soil and seeds cost more than the real food when it’s on sale. (This is purely from a monetary point of view. Of course, the food tastes way better from your own garden, if you can actually get the stuff to grow.) Sometimes people from church would give us excess garden produce. There was no way I wanted to waste any of it. One time we had an enormous amount of broccoli. This was back when broccoli wasn’t a favorite with my kids. I waited to serve lunch an hour late, so that the kids would be ravenously hungry. I made a heaping plate of steamed broccoli, and I put it in the center of a small table. I squeezed lemon juice on it, and I told them that the rest of their food for lunch would not come until the plate was empty. Then I distracted them as they ate by teaching them something, since I normally homeschool during lunch. They mindlessly ate it all. Now broccoli is one of their favorite vegetables. (I washed, chopped, and froze the rest of it so they wouldn’t totally get sick of it.)

In general, if you combine coupons with an item that is already on sale, you can get the food almost for free. But the number one thing I always did was to pray for the groceries I needed. God always supplied, and He is faithful.