How I Save

Tips and tricks to save money, manage credit and reduce debt

Friday Finances: April 2015 Week 4

April 24, 2015 by Lulu in Finances with 0 Comments

Every Friday I post about my finances for the week in an effort to monitor my income and expenses. I used to post all of the actual figures but I have recently decided to stop doing this.

I will now post SOME of my actual expenses and leave the rest to your imagination. All income and expenses are recorded in Mint and any amounts are rolled over into the next month.

This week my expenses were:

$17.03 on household items that I had to run to the store for because I ran out mid week. I did not have any coupons so I did not save money this week and I am now out of money that category for the month. We only have one more week left in this month so I can get by with what I have.

I still have to pay my  portion of the phone bill but I will do that next week.

Still Alive

April 20, 2015 by Lulu in Daily Links with 0 Comments

Hi everyone, I just wanted to let you all know I am still alive and the blog is still functional. I am just so VERY busy with school right now that I have been neglecting trying to find ways to save money.

I hope to get back on track pretty soon because we all know how important it is to save money and make your money work for you.

In the mean time, please enjoy these blasts from the past.

Being Broke Is A State Of Mind. Here I talk about my thoughts that being broke is simply a state of mind. I think there is a big difference between being poor and being broke!

Every Dollar Should Have A Job. In this one I really work on  the idea of the zero based budget. Every dollar should be accounted for, even if you dedicate some to savings or to just be blown for fun.

I Snagged A Discount Because The Sales Clerk Was Lazy

April 12, 2015 by Lulu in budget with 0 Comments
I Snagged A Discount Because The Sales Clerk Was Lazy

I am not much of a shopper and I tend to shop the sales and clearance racks before even looking at the regularly priced items. Recently I snagged a discount because the sales clerk was too lazy to go back and check the actual price of an item.

I had bought a purse on clearance some time last year for under $5 and I was really happy with my purchase. I don’t know if the purse was cheaply made or if it had dry rotted but it ripped last week. I decided to look for another one and was searching the sales and clearance racks of a popular store in my area.

The purse section was a bit messy and there were items that looked like they may have been misplaced. In any case, I noticed that a particular brand of purses that I liked was marked 30-70% off and I found a stack of a purse that liked in the clearance area.

I picked one up and went to cash out and it rang up at the full price. I told the sales clerk I would leave it because I thought it was part of the sale. She asked if it was under the sign I saw, because she noticed it was the same brand on the sign. I said yes it was but I did not really feel like walking back to see if it was excluded. She remarked that she did not feel like walking either and she would rather apply the discount than lose the sale.

So, to sum up…I snagged a discount because the sales clerk was lazy. Now before you tar and feather me for taking advantage of the system, I used to work in retail and know of many times the items would ring up incorrectly. Sometimes one color would ring up at the sale price while another did not. Therefore, I feel confident in snagging my discount (she gave me (50% off), because it was offered.

Should I Pay Rent Early To Get A Chance At One Month Free?

March 30, 2015 by Lulu in Finances with 1 Comment
Should I Pay Rent Early To Get A Chance At One Month Free?

I am wondering if I should pay my rent early to get a chance to win one month free. My apartment complex has been having issues with people paying rent late and then having to charge them late fees. To alleviate this problem they came up with the idea of having a raffle of everyone who pays rent early, so those people can win a chance to win one month’s rent!

The bad thing is that you have to pay before the last day of the month, meaning that if I enter now I would be paying twice in one month. The good thing is that if I win I could get one month totally rent free and that means money in my pocket. The other bad thing is that the electric bill is usually not added until the first of the month, meaning that I would have to pay rent now and then make a second payment to get the electricity taken care of. The other good thing is that they have temporarily suspended the charge for paying via credit card, so it does not matter if I make multiple payments as I won’t get charged extra.

I think I will go ahead and pay the rent early this month to get a chance, however small, at getting one month free. I have nothing to lose since it is going on my credit card and I can manipulate the date to show up as next month in Mint. I have the chance at gaining one month free rent, without paying extra fees, so it is a winning situation for me.

Finally Filed My Taxes

March 23, 2015 by Lulu in Finances with 0 Comments

So I finally filed my taxes, despite trying to get them done early. One of the reasons I was procrastinating is that I kept thinking I was missing a document.

I kept looking for that document and even requested for it to be resent to me, without realizing that I was not supposed to get one in the first place. I finally realized my mistake and ended up filing online using one of the free systems.

I got word that my return was received and I should look forward to my tiny return in a few weeks.

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