7 Ways To Save Money On Groceries

Save money on groceries

Although we have many important bills, no one can deny that our monthly food bill is one of the most demanding. Grocery shopping may not be fun for everyone, but it’s certainly an important shopping trip. Because of the effects foods have on the body, I personally spend more on great quality foods and suggest for others to do the same. However, even while buying quality foods I still believe you have the right to save money on groceries. In this post, I’ll share with you some tips that will make this shopping experience a tad bit better.

Search For Sales

We live in a time where everything we can ask for is at our fingertips. That’s right- our cell phone. There’s an app called flipp that has all your current local circulars in one place. That means you can look for all the sales for this week by just entering your zip code. How easy is that?

Also, many of your local grocery stores probably have their own app that you can download. I know Walmart and Shoprite have their own app that you can order groceries right on your phone and pick up in person. Because of this, you can see and compare real prices from your store at the comfort of your home.

Plus, some of these stores may have coupons accessible on their apps so it’s definitely worth taking a look at. It’s a quick and easy way to save money on groceries.

Besides getting used to comparing prices and weekly sales, get acquainted with the different sales for each store. For example, Shoprite has a can-can sale every once in a while that easily cuts all their can prices in half. And Acme has a Buck-A-Bag sale that allows you to buy bags of produce for $1 each! Yes! I’m serious and it’s awesome! Read more

How To Stop Spending Money On Impulse Buys

Save money on impulse buys

The average U.S. consumer spends $5,400 a year on impulse buys. [1]

How’s that for an eye-opener? Think about the above statement. If a person only makes $30,000 a year, that means they’re spending about 20% of their income on impulse purchases. What on earth? If only there was someone to teach us how to stop spending money on impulse buys! Don’t worry, I got you covered. I’m going to share with you 5 best practices to help you curb impulse purchases and keep your money!

Ask yourself this one question.

Is it a want or a need? Technically speaking, the only things we really need are water, foods, clothing, and transportation. Ask yourself that question before giving in to that appealing purchase that probably won’t satisfy you for long.

Think about it. How many things do we buy that we end up forgetting about later? We’re better off just leaving it on the shelf. If you find something that you really want, apply the next tip.

Sleep On It.

When you really want something, hold off on buying it. You may change your mind later and realize it was an emotional feeling you felt. On the other hand, if you still want the item a few days from now, then go ahead and buy it. Most of the time, impulse purchases are things we don’t really want that bad. They’re just things that end up in the cart without us realizing it.

By waiting it out, you can do research and try to find the item for the lowest price possible. Plus, buying things in the spur of the moment can lead to us spending money on bad quality items.

For example, not too long ago my son broke our TV. So of course, my husband wakes up early in the morning to buy a new one. He got a Walmart brand TV for cheap, brought it home, and found that the quality was horrible! He ended up returning it and buying something else.

In this case, we knew we needed to get a TV. However, by not waiting and doing research it led to wasted time. Holding off on a purchase and doing research on an item before you purchase will always be a good thing. Read more

5 Ways To Build Your Emergency Fund FAST

Build emergency fund fast

An emergency fund can completely change your life! It can help you feel more secure and problems will become only inconveniences for you. An efund can help save your marriage and your health. If you want to read more about this, check out my post Why You Need An Emergency Fund.

Q: What is an emergency fund?

A: An emergency fund is money that can be accessed quickly in case of an emergency.

You can build your emergency fund quickly. It’s not easy nor is it fun, but it will set your financial, mental, and emotional life up for success by preparing for what life will throw at you. Here are some ways you can build your emergency fund fast!

Put all your other financial goals on the back burner.

You never know when an emergency will strike. That’s why you have to be prepared. The only way to quickly save up the money you need is by forsaking everything else and using tunnel vision to reach this financial goal.

Now, I know there are many people out there that love to invest and I understand why. But the hard truth is you have to build your efund and the faster, the better. That means you may have to stop contributing to your 401k for a while.

Sell things you are no longer using.

I’m sure there are things you can find that are still in great condition that is no longer being loved by you. Instead of hoarding these things until they rot, sell them to someone who will love and appreciate these things. With all the great avenues out there for selling, there’s no reason not to sell your old goods.

These are great selling apps and websites you can check out if you’re interested. Read more

Why You Need An Emergency Fund

Why you need an emergency fund

75% of Americans live paycheck to paycheck.

Are you living paycheck to paycheck? According to the statement above, 7 in every 10 houses in your neighborhood is one emergency away from a crisis. That’s a huge deal! Many families are torn apart because of financial troubles and I refuse to allow that you happen to you! That’s why you need an emergency fund.

Q: What is an emergency fund?

A: An emergency fund is money that can be accessed quickly in case of an emergency.

Before we continue, take a look at the following statistics for Americans:

  • 71% do not have enough money on hand to cover 6 month’s living expenses.
  • 46% do not pay their bills on time.
  • 48% spend as much as they make or more each month.
  • 12% do not contribute monthly to a savings account or any type of retirement account.
  • 11% have credit card debt in excess of $5,000.
  • 12% have student loan debt in excess of $20,000.
  • The average American doesn’t have more than $400 in savings. [1]

If the average American doesn’t have more than $400 in savings and 75% are living paycheck to paycheck, what happens when an emergency happens? Consider the following scenarios: Read more

7 Spending Habits That Will Keep You Poor And Kill Your Dreams

Spending habits that will keep you poor and kill your dreams

Have you ever had to go without a necessity? Maybe it was food, water, or utilities. No matter which kind of suffering you’ve endured, they’re all not fun and can leave us traumatized.

I grew up poor and had no insight that there was any other kind of life. I thought that was just how things were and life was a constant struggle. There was no one to teach me about finances and I was destined for failure.

However, I ended up crossing paths with an amazing money book that completely changed my life! I learned that life is what we make it and not merely what happens to us. By learning which habits were stealing my dreams, I quickly cut them out! I wasn’t going to allow anything to get in my way of success!

Here are 7 spending habits that will keep you poor and steal your dreams.

Alcohol And Cigarettes

Addictive substances, like alcohol and cigarettes, are extremely dangerous because they cause us to do irrational things. When we ‘just need to smoke’, we can end up spending our last few dollars on cigarettes.

Recently, my husband and I went to a convenience store near our local laundromat. The door had a sign that said $8.68 for a pack of cigarettes. My jaw completely dropped. I cannot believe that people are paying these ludacris prices for something that is killing them!

I think we all know cigarettes are expensive, but what about alcohol? People can get whole cans for a dollar. Surely, something like that isn’t stealing their wealth. Think again! People become reliable on these type of substances which causes them to buy more and more.

I once lived in a very bad neighborhood and the neighbor was an alcoholic. He would get up before nine and begin walking to the liquor store. He was unemployed so he would drink all day. Then, he and his wife would argue almost every night about money and his drinking. It was an extremely toxic relationship and I’m happy to be out of that part of town! Read more

Ultimate Guide For Shopping At Walmart From An Associate

Walmart has always been one of my favorite stores to shop at. Did you know there are 5,358 different Walmart locations in the world? [1] So many people choose Walmart because they have such low prices (even lower than Dollar Tree’s). It’s one of those places that carries pretty much everything you need so you only have to make one stop before going back home. I wrote this guide to help anyone who finds themselves regularly shopping at Walmart.

When I got to the phone call that they wanted to interview me, I was completely stoked! Working at Walmart has been wonderful and I’ve gotten some great deals because of it. I’ve learned many tips for shopping by being an associate and I’m so excited to share them with you!

Download The Walmart App

I can’t go into this list of tips without mentioning the Walmart App. I will never shop without the Walmart App again! There are so many useful functions on it. I’m always surprised when I tell a customer about it and they refuse to give it a try. Because of this, I’m going to explain the awesome tools you can find on it.

Aisle Location

You must allow Walmart to access your location to use this function. When you’re at the store, open the Walmart App and the top will turn yellow and say, “Store Assistant.” From here, you can type in the item you’re looking for in the search bar and it will tell you which aisle to find your product.

Also, it will be a quick solution if you’re not sure if Walmart even has what you’re looking for. If it doesn’t pull up under the ‘in your store’ tab, but pulls up under ‘Walmart.com’, then your store does not have that item. Read more

Stocking Stuffers Under $5

Stocking Stuffers Under $5

Stocking Stuffers Under $5

Although I love the idea of stuffing stockings for my family members, I feel like it’s too expensive to do. However, I’ve found a bunch of cheap items that actually make this possible for me. I decided to share my findings with you. I hope you enjoy this list of stocking stuffers that are priced for under $5.

(This post may contain affiliate links. If you make a purchase through one of my links, I’ll receive commission at no extra cost to you. Thank you so much! Read our full disclaimer here.)

Kids

 

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