How I Save

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

Have A Safe And Blessed Christmas!!!

December 21, 2014 by Lulu in Save Money with 0 Comments

I just wanted to wish everyone a safe, blessed and prosperous Christmas season.  Many of you will be traveling and it will be dangerous on the roads.

I also wanted to wish you all a financially safe season…make sure you don’t overspend in the spirit of the season.

Wednesday Financial Update

December 17, 2014 by Lulu in Save Money with 0 Comments

I normally post financial updates on Fridays but I needed to get this one out!

This week my expenses were:

$50 for the phone instead of my usual $25. I forgot to pay my portion of the shared plan last month so I paid twice this month to make up for it. Luckily the person I am on the shared plan with is very understanding and since the bill is not high anyway it was not a strain.

$89.38 in vet bills for the new cat. She had worms, ear mites and an infection in both ears. This bill covered the treatment for all those ailments plus an installation for the pet insurance as well. The insurance covers some of the annual visit costs and provides a discount on some non-essential items as well. The bill was actually higher, but since I added in the insurance it took some of the cost down.

This week my income was:

$5 from redeeming swagbucks for an Amazon gift card.



Free Shipping With No Minimums at Walmart!!!

December 11, 2014 by Lulu in Freebie with 0 Comments

You all know how much I love shopping at Walmart and they just made it a little sweeter for the Christmas season. For the next couple of days there is NO minimum purchase required to get the free shipping from Walmart.


Usually you have to place at least $50 worth of goods in your cart to activate the free shipping.  I combine credit card cash back and using Swagbucks to order things online and have them shipped to me so that I can maximize my rewards. The hard part sometimes was having to wait until there was enough that I really wanted in order to qualify for the $50 limit to get free shipping.

 Free Shipping With No Minimums at Walmart!!!

I worked around this by simply ordering everything that was non-perishable online and only going to the store for perishable stuff that could not travel well. I usually place about one order per month for things like toilet paper, toothpaste, lotion, dishwashing liquid… get the point. But there were a few months when I really did not need anything so my cart would just sit empty because it would not be wise to order things I did not need just to get free shipping.

Now there is no minimum limit I can order the small things I need and STILL get free shipping over the next couple of days. It also means I can split my swagbucks shopping into two smaller trips and get the cash back spread over two days instead of one.

Double sweet!!!!

if you normally shop online take advantage of this now because there are only a few more days left on the free shipping deal.

Friday Finances: December 2014 Week 1

December 5, 2014 by Lulu in Save Money 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.

This week my expenses were:

$34.42 on food for the week, including fruits, vegetables, and yogurt. I still need staples like bread and crackers but I will wait until the weekend to get those.

I also paid rent and the electric bill was $13.54.

This week my income was:

$Paycheck baby!!!! Yes we got paid on the first of the month.


I Have Not Saved Enough For Retirement

December 1, 2014 by Lulu in Daily life with 0 Comments

I have not saved enough for retirement and that is a very depressing thought. I recently saw some updated estimates that said in order to have a comfortable retirement it was recommended that I have the equivalent of at least one year of current salary in savings for retirement.

Even at my current salary as a graduate student I have not saved enough for retirement. This is a sobering thought as it means I am way behind on the level of savings that I should have at this point in my life. I means that when I finally graduate and get a good job I will have to really hustle to get the savings in so that I can have enough to work on a comfortable retirement plan.

The fact that I have not saved enough for retirement is a bit daunting now and I will have to make the trade off between living a more comfortable life when working full time and preparing for a life of retirement with little to no income.

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