Monthly Archives: November 2015

Its time to put the lazies aside

Well its time to put the lazies aside and time to get to work.

Once you have passed a point things tend to turn around.Easy foods, dry cleaning, replacing shoes instead of repairing them, beauty parlors, all got to stop. I started making life style changes 15 years ago and retired at 46 by doing so.

As a young couple I learned very early on that paying rent was the way I was making someoneelse’s house payments. Renting gets you no where fast, buying is a way of saving. But you can’t go buy some huge house you must get the minimum size in a good area close to work and schools. In case you desperatlely need cash -avoid payday loans at any cost. There is much better option – you can get instant installment loan from company like www.wegot1000.com. At least you will not have to repay every penny back at once. They will work out a schedule plan.

You can expand later. With every payment after that you are saving for the future. Brand new cars, a no no. You got to find transportation that is good, not old but not new. A better car that is used is much better than a brand new piece of junk.

Buy furniture at resale shops, garage sales for kids toys , books, dishes, anything that can be cleaned and used doesn’t matter. You can also see who you are buying from when you go to one of those neighborhood jewels

Now, sales at the groceries. I get the local sales papers, mark everything I want to get, make a map for the easiest and shortest way to go to at least 4 different groceries every week.

I fill the freezer with chicken on sale, to tomatoes from the farmers market. You got to have a freezer. Then I start cooking. I never ever cook one meal. I cook three meals, takes the same amount of fuel or electricity to cook a chicken stew for three meals as it does for one and just about the same amount of time.

I freeze the other two and that gives me time to run to five grocery stores instead of cooking those meals over again. I keep a list of everything I freeze , I know what I have uncooked to cooked. I mark it off as I cook it and mark it again when its used up. Get the shoe polish out, a little ironing can make them clothes look good again.

Never throw much away. Learn how to use all those containers food comes in to freeze those meals. The internet is a good place to shop too. Look for clearance items on sites like target. Why pay full price and try to do it all at once so you can get free shipping with 50 dollar are more purchases.

There are so many ways to save. In the beginning it seems you are not getting anywhere but before you know it Christmas is here and you bought that turkey or ham and its waiting in the freezer. You have a few extra dollars from your garage sale. But lazy, well that cost and you can’t be lazy and save. Forget the credit cards except for internet sales. Pay off every card every month. Never ever pay late charges, or interest.

No No NO, if you are you need rehab. Shop the internet and know how much you can afford to spend before you start looking. Get only what you need and do prepare for Christmas early,also birthdays.Last minute shopping cost way to much. Get it early, get it on sale, get it on clearance or don’t get it. PERIOD……….

Savings account question

savings accountGosh now you have me worried! lol.

The savings account was opened online and is a completely separate account and to my knowledge they would not pull from that for overdraft purposes.

The checking account already has an amount of overdraft protection offered by the bank due to the fact we have direct deposit so the amount of the overdraft protection is based on the amount of the direct deposits and the average daily balance etc.

Its not a line of credit type of overdraft but instead one based upon our deposit and balance history so it fluctuates but is listed on our statements monthly what they will cover a check up to. No one else would know this except us and the bank which of course they make clear they can change at anytime or not honor anything should they decide kwim? So now I have some other questions..

what if I report that I lost my checkbook? get a new checking account thru them. Would that help? and by help, I mean would that help protect us OR do you recommend just banking somewhere else all together? I hate to give up this account with this bank after banking there for so long but I could move our money to a different bank and change the direct deposit etc and just keep a minimal amount in the accounts at this bank just to keep the accounts and then ride this mess out and see what transpires.

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Listen.. this happened to me a long time ago, but it made me wiser. i had a checking account tied to a savings account. my parents were helping me then with my living expenses and would send a check ahead of time to cover for several months. i deposited this check in a separate savings account with the same bank.

over time, money disappeared and i found out that when there was a shortfall in my regular checking, instead of notifying me, the bank would withdraw funds from the separate savings account to cover it.

i would have preferred to have been informed of insufficient funds than finding myself out of money inadvertently one day as the funds diminished. i would keep your bank account and open a savings in a different bank and transfer funds as needed.

Yes, you go tell them you feel your account has been compromised, and they can close out the account and reopen a new one. At the same bank if you so choose. We do it all the time.