murphath
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Post by murphath on May 31, 2013 9:55:51 GMT -5
Dancinmama: It's Friday! Congrats to you and your DH. I love retirement (I don't consider my 2x wk Weight Watchers gig working) and have no problem finding things to do here at home and elsewhere. Re the "honey-do" type stuff: when retired, it's easy to say "tomorrow". In any event, I'm the "honey do" person around here. DH hates that kind of stuff. I'm happy that I can get him to mow the lawn and water. He does like to take hikes with me, though. So, he's very happy to continue his working at the golf course, backstage catering etc.. He works when he wants and says no when we have something planned. Having been in the restaurant biz his whole life, he is extremely social and loves these gigs as the work is so easy (compared to owning a restaurant). He likes to golf, too, so gets to do so for free where he works and any of the other courses the company manages. He works with some young guys in their twenties who call him grandpa. They're always asking him to golf with them. He's a very happy camper.
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FreeSalsa
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Post by FreeSalsa on May 31, 2013 20:31:48 GMT -5
I heard an interesting story on NPR yesterday. I think they called this guy a millionaire or billionaire. He said that the interest rates at the banks are low and the cost of living and possible inflation are high. So he was investing in non-perishable goods that he knows he will use and he thinks the price will go up on. Razors, for instance. He gave an example of trash bags. He bought 600 trash bags at Costco for $13 and now he's set on trash bags forever. He thinks the cost of plastic/petroleum products will go up because of oil prices and instability. He even mentioned that storage of these was minimal so it didn't cost him much space, but that space was something to think about. It was more of a good investment plan than a money saving plan. Interesting.
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dancinmama
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LIVIN' THE DREAM!!
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Post by dancinmama on Jun 1, 2013 8:02:13 GMT -5
Dancinmama: It's Friday! Congrats to you and your DH. I love retirement (I don't consider my 2x wk Weight Watchers gig working) and have no problem finding things to do here at home and elsewhere. Re the "honey-do" type stuff: when retired, it's easy to say "tomorrow". In any event, I'm the "honey do" person around here. DH hates that kind of stuff. I'm happy that I can get him to mow the lawn and water. He does like to take hikes with me, though. So, he's very happy to continue his working at the golf course, backstage catering etc.. He works when he wants and says no when we have something planned. Having been in the restaurant biz his whole life, he is extremely social and loves these gigs as the work is so easy (compared to owning a restaurant). He likes to golf, too, so gets to do so for free where he works and any of the other courses the company manages. He works with some young guys in their twenties who call him grandpa. They're always asking him to golf with them. He's a very happy camper.
I bet he is. One thing DH has talked about doing is volunteering to coach or help coach one of the local high school golf teams. We worked closely with teens (high school youth group) before we relocated to the Bay Area and I think he misses it, but he hasn't mentioned it in a while. I think he wants to take some time with absolutely no commitments. Last night I asked him how it felt and he said that he was afraid that he was going to wake up Monday morning and think it was all a dream. LOL
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dancinmama
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Post by dancinmama on Jun 1, 2013 8:19:39 GMT -5
I heard an interesting story on NPR yesterday. I think they called this guy a millionaire or billionaire. He said that the interest rates at the banks are low and the cost of living and possible inflation are high. So he was investing in non-perishable goods that he knows he will use and he thinks the price will go up on. Razors, for instance. He gave an example of trash bags. He bought 600 trash bags at Costco for $13 and now he's set on trash bags forever. He thinks the cost of plastic/petroleum products will go up because of oil prices and instability. He even mentioned that storage of these was minimal so it didn't cost him much space, but that space was something to think about. It was more of a good investment plan than a money saving plan. Interesting.
It sounds as though he looked at his purchase as some brilliant, new idea. Hmmm.....I don't see it as an investment unless he plans to sell the product at a higher price than what he paid - especially if he's paying OOP for it. If he plans to keep and use the product himself, it is a money saving plan/strategy.
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murphath
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Post by murphath on Jun 1, 2013 9:20:10 GMT -5
Dancinmama wrote: Last night I asked him how it felt and he said that he was afraid that he was going to wake up Monday morning and think it was all a dream. LOLThere definitely is a transition period. First, it feels like a normal 2 week vacation and then reality sets in. For some people, their whole self worth is defined by the job. As a Senior Manager, people have to listen to you. As a retired guy, not so much. He'll love being a coach. DH is the asst. coach for a local girls high school basketball team. He and the head coach had coached at the local private high school and were extremely successful. This school is a different kettle of fish--some of these girls don't sleep in the same house each night, their parents never come to the games, and they don't have transportation home after practice. I told DH he should give them kudos just for playing. They did better last year (DH's and friends first year there) but not where they'd like to be. My comment to him was: everyone has given up on these kids their whole lives. You and the head coach can't do that. You need to show them that someone is there, good and bad, for the long haul. You never know what will have a positive influence.
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FreeSalsa
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Post by FreeSalsa on Jun 1, 2013 12:51:29 GMT -5
Thanks for the well wishes regarding DH's retirement. It's been a team effort over the last 3+ decades. From very early on, specifially at age 24, our ultimate financial goal was having the option of early retirement. For the most part, DH made the money. I saved the money and made that money make money. When we were young, every time we had the opportunity to pick the brains of those who were older and wiser and willing to tell us their success stories, we were "all ears" and we learned some basics that have served us well over the years. Ben Franklin said, "A penny saved is a penny earned". Over the years by being a wise consumer in every way possible, I have saved a boatload of pennies. I'm sure a lot of DH's co-workers are scratching their heads - they know that he worked at a field site over the majority of his career (not the place to make the big bucks, but a good place to raise a family) and they know that we have been a single income household for more than two and a half decades. In the last couple of months several people have commented to DH about how "lucky" he is to be able to retire. Ha. Luck has nothing to do with it. So since you have been gaining all this wisdom for all these years, what can you share with us that will help us along the way? My mom's advice was to have a plan. She always saved money but didn't really know what to do with it. When it came time to think about retiring they had nothing really saved. In ten years she did a ton of research and saved a ton of money. Luckily, that was when interest rates for savings were good. They sold their house at the top of the market, rented for a year and then bought a house after the market went down in a much cheaper area so they did well there. She also said that you don't want to just get a job, you want to have a career. Then you get higher paying jobs and more experience and are worth more. All good advice. I'd like to say that I followed it to the letter but I can't say that. Something I heard when I was young was to start saving when you are young. Mom made me save my babysitting money when I was 11 and opened a mutual fund for me when I was still a teen. I've had a 401(k) or an IRA every year since my first job after college. I never really made a lot of money (didn't go the career route) but I saved all I could and it's allowed me to do some things that have made me very happy. So, now you....
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FreeSalsa
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Post by FreeSalsa on Jun 1, 2013 12:57:25 GMT -5
Does anyone have the link for the GC Handbook? Is it something I can download? I met a girl at a conference who started buying organic food and is spending a fortune. I think the handbook would be helpful to get the ideas across, even if she isn't shopping at Wags, etc. and even if it hasn't been updated with the newest rules.
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marvholly
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Post by marvholly on Jun 2, 2013 5:44:12 GMT -5
Almost blew it. Did not use my wet n wild coupon this past week & it expired 6/1. Did not see anything I wanted but just realized I can use it thru Tue at 1 CVS and thru Thur at another (day b/4 truck comes).
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hinil
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Post by hinil on Jun 2, 2013 9:48:46 GMT -5
Dominicks (Safeway) has Colgate or Crest 4.6 oz toothpaste on sale for 0.99 w/fresh values card. There is a coupon in today's paper (sorry, forgot which section) for $1.00 off any Colgate toothpaste 4.0 oz or larger, making it free.
Also, I noticed we got better coupon values today. I just discarded an expired 0.50/1 Colgate toothpaste. Also, I'll be using a $1.50/2 Aussie product coupon I got in today's paper instead of a $1.00/2 Aussie that I got last month. Hopefully everyone is getting better coupon values! (Or maybe the mfrs are just realizing our city is still hurting, not buying...the recession is not over here). Thank goodness for my stockpile, thanks to everyone here! Wish I had started couponing in time to get the aluminum foil deals. As my stockpiles run out I am only buying *needs* and although I REALLY want aluminum foil, am not buying.
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rubyslippers
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Post by rubyslippers on Jun 2, 2013 11:31:40 GMT -5
Last week I used my $25.00 gift card at WAGs along with $3.70 OOP and got $71.91 of product. I came home with 13 cans of mushrooms, 1 Half and Half, 2 pkg. cheese, 1 sour cream, 1 4 lb. bag sugar, 1 case of water, 2 candy bars, 2 Scope, 2 Listerine, 4 Crest TP, 2 Fantastic, 2 Windex and 1 Virmax. Everything but the Virmax is something we need. I had a couple of $$/ coupons to use to help stretch my deals.
Family Dollar has been having a General Mills/Betty Crocker deal that spits out a $5.00 catalina that rolls. I stocked up on cereal last week and today I used my $5.00 cat to buy 3 brownie mixes. I paid $.40 OOP and got another $5.00 cat. I did the deal one more time. The cats don't expire until 8/3.
hinil: There's a $1.00 Reynolds printable on coupons dot com.
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FreeSalsa
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Post by FreeSalsa on Jun 2, 2013 11:45:20 GMT -5
Dominicks (Safeway) has Colgate or Crest 4.6 oz toothpaste on sale for 0.99 w/fresh values card. There is a coupon in today's paper (sorry, forgot which section) for $1.00 off any Colgate toothpaste 4.0 oz or larger, making it free. Also, I noticed we got better coupon values today. I just discarded an expired 0.50/1 Colgate toothpaste. Also, I'll be using a $1.50/2 Aussie product coupon I got in today's paper instead of a $1.00/2 Aussie that I got last month. Hopefully everyone is getting better coupon values! (Or maybe the mfrs are just realizing our city is still hurting, not buying...the recession is not over here). Thank goodness for my stockpile, thanks to everyone here! Wish I had started couponing in time to get the aluminum foil deals. As my stockpiles run out I am only buying *needs* and although I REALLY want aluminum foil, am not buying. Thanks, I'll check it out. I'm one of the few that does not have a huge stockpile of toothpaste or foil. And I'm out of foil.
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constanz22
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Post by constanz22 on Jun 2, 2013 14:22:16 GMT -5
Last week I used my $25.00 gift card at WAGs along with $3.70 OOP and got $71.91 of product. I came home with 13 cans of mushrooms, 1 Half and Half, 2 pkg. cheese, 1 sour cream, 1 4 lb. bag sugar, 1 case of water, 2 candy bars, 2 Scope, 2 Listerine, 4 Crest TP, 2 Fantastic, 2 Windex and 1 Virmax. Everything but the Virmax is something we need. I had a couple of $$/ coupons to use to help stretch my deals. Family Dollar has been having a General Mills/Betty Crocker deal that spits out a $5.00 catalina that rolls. I stocked up on cereal last week and today I used my $5.00 cat to buy 3 brownie mixes. I paid $.40 OOP and got another $5.00 cat. I did the deal one more time. The cats don't expire until 8/3. hinil: There's a $1.00 Reynolds printable on coupons dot com. THANK YOU, THANK YOU, THANK YOU for posting the Family Dollar deal! I was getting very low on cereal and hadn't seen a deal in weeks. I never would've known about this deal if you hadn't posted. There isn't much in my small down, but there is a FD! I printed a couple Q's and went right over. Got my $5 OYNO and will probably do another round of cereal, or maybe brownie mix. Thanks again!
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rubyslippers
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Post by rubyslippers on Jun 2, 2013 14:38:50 GMT -5
Last week I used my $25.00 gift card at WAGs along with $3.70 OOP and got $71.91 of product. I came home with 13 cans of mushrooms, 1 Half and Half, 2 pkg. cheese, 1 sour cream, 1 4 lb. bag sugar, 1 case of water, 2 candy bars, 2 Scope, 2 Listerine, 4 Crest TP, 2 Fantastic, 2 Windex and 1 Virmax. Everything but the Virmax is something we need. I had a couple of $$/ coupons to use to help stretch my deals. Family Dollar has been having a General Mills/Betty Crocker deal that spits out a $5.00 catalina that rolls. I stocked up on cereal last week and today I used my $5.00 cat to buy 3 brownie mixes. I paid $.40 OOP and got another $5.00 cat. I did the deal one more time. The cats don't expire until 8/3. hinil: There's a $1.00 Reynolds printable on coupons dot com. THANK YOU, THANK YOU, THANK YOU for posting the Family Dollar deal! I was getting very low on cereal and hadn't seen a deal in weeks. I never would've known about this deal if you hadn't posted. There isn't much in my small down, but there is a FD! I printed a couple Q's and went right over. Got my $5 OYNO and will probably do another round of cereal, or maybe brownie mix. Thanks again! Constanz: Make sure your OOP isn't $0.00 or it won't work. Also, the cat is like a RR at WAGS and counts as a coupon.
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constanz22
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Post by constanz22 on Jun 2, 2013 15:06:20 GMT -5
THANK YOU, THANK YOU, THANK YOU for posting the Family Dollar deal! I was getting very low on cereal and hadn't seen a deal in weeks. I never would've known about this deal if you hadn't posted. There isn't much in my small down, but there is a FD! I printed a couple Q's and went right over. Got my $5 OYNO and will probably do another round of cereal, or maybe brownie mix. Thanks again! Constanz: Make sure your OOP isn't $0.00 or it won't work. Also, the cat is like a RR at WAGS and counts as a coupon. Ok, good to know. I didn't know either. Do they have the coupon/# of items rule like wags? Was there a MC for the brownie mix?
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rubyslippers
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Post by rubyslippers on Jun 2, 2013 20:59:59 GMT -5
Constanz, yes they have the same coupon rule as Wags. There isn't a coupon for the cheaper BC brownie mixes and they are not tagged as part of the deal. I told the cashier I wanted to try it and it worked. Last week when I was doing the cereal deal, I told the cashier NOT to put my coupons in the drawer until I was sure it would print. I tried using a $3/15 IPQ with my cats and it didn't work so she gave me my coupons back and aborted the transaction.
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hopetoberich
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Post by hopetoberich on Jun 3, 2013 5:47:47 GMT -5
Morning all. Been busy busy here but need to go shopping at some point this week. I am also down to 2 rolls of tin foil and omg have you seen the prices of foil? I may have to be store brand. I was reading on wuc about someone having a tush problem with extra soft TP. Men folks are talking about setting her tp stockpile on fire as they have sore butts....had to laugh. I used my bag tag for the last time and now have to use the $2 ecb today. No plans for any deals but I will head to the store and look for clearance later
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murphath
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Post by murphath on Jun 3, 2013 12:01:40 GMT -5
Dancin: Just wanted to thank you for the fancy baked beans recipe you posted this month. I made the for our graduation party and they were a total hit! Several people asked for the recipe. I used the white kidney beans as the 3rd bean type. Think I'll try black beans next time. So easy to make, too!
Speaking of aluminum foil, I was in Raley's around a year ago and as always, I check their clearance shelf in the back. They had a 250 ft. roll of aluminum foil on clearance for $1.00. The box was kind of crushed but I snagged that deal pronto. I'm still using that roll! It puts my puny 20 ft. ones in "Murphy Mart" (the garage) to shame!
Also, CVS sent me $3 EBs! Not a $3/$10--just $3 EB. I think they're starting to realize how much product we "purchased"--and, really, they still made $ off us--just not the manufacturers. At any rate, I'm out of Calcium (can't believe it!!!) so will probably use toward their B1G1F sale.
See you all in 3 weeks. Au revoir!
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saveinla
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Post by saveinla on Jun 3, 2013 12:06:01 GMT -5
CVS is sending 3 ECB to certain accounts to get you started for the summer - they expire 6/5.
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skubikky
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Post by skubikky on Jun 3, 2013 13:15:34 GMT -5
CVS is sending 3 ECB to certain accounts to get you started for the summer - they expire 6/5. Yeah, I got one today too.
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constanz22
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Post by constanz22 on Jun 3, 2013 18:08:55 GMT -5
CVS is sending 3 ECB to certain accounts to get you started for the summer - they expire 6/5. Yeah, I got one today too. Yeah, me too
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rubyslippers
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Post by rubyslippers on Jun 3, 2013 20:16:40 GMT -5
Me too. I need less than $1.50 to get the $5.00 Beauty reward. Anyone have any ideas of what I can get using the $3.00 ECB?
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constanz22
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Post by constanz22 on Jun 3, 2013 20:25:48 GMT -5
Me too. I need less than $1.50 to get the $5.00 Beauty reward. Anyone have any ideas of what I can get using the $3.00 ECB? That goes toward beauty club? There is tons of clearance make-up and nail polish at my stores 50-75% off and many have Q's. I know razors are beauty club, but if your store auto deducts coupons, I've seen talk about a Venus deal with BOGO P&G Q's but haven't looked at it that closely. I only have one set of this week's inserts and I think you need two. I haven't looked at the ad that closely but will have to now that I got the EB.
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FreeSalsa
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Post by FreeSalsa on Jun 3, 2013 23:27:41 GMT -5
CVS is sending 3 ECB to certain accounts to get you started for the summer - they expire 6/5. Where did you get it? E-mail or red machine?
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constanz22
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Post by constanz22 on Jun 4, 2013 6:13:28 GMT -5
CVS is sending 3 ECB to certain accounts to get you started for the summer - they expire 6/5. Where did you get it? E-mail or red machine? Email
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marvholly
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Post by marvholly on Jun 4, 2013 8:36:49 GMT -5
Hopes I just bought a 75' roll of foil at Aldi for $1.99 on Mon.
I am .....ticked off. Did NOT get the $3 EB from CVS and I do get regular emails from them.
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constanz22
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Post by constanz22 on Jun 4, 2013 9:06:39 GMT -5
Hopes I just bought a 75' roll of foil at Aldi for $1.99 on Mon. I am .....ticked off. Did NOT get the $3 EB from CVS and I do get regular emails from them. I have two registered cards. I got it on one but not the other.
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saveinla
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Post by saveinla on Jun 4, 2013 16:12:09 GMT -5
rubyslippers, Not sure if deo counts for the beauty club, but there is a good deal on the Secret - clinicla strength. If it counts, then you can buy a couple and start building your next one myfrugaladventures.com/2013/06/cvsclinical-strength-deodorant-1/
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saveinla
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Post by saveinla on Jun 4, 2013 19:41:25 GMT -5
Just4U users. Check your digital coupons. FE salad kits are 2.50 this week (ends tonight) and I had a 2$ off Q, so 50c for a bag of salad with dressing and croutons or tortilla strips and cheese
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dancinmama
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Post by dancinmama on Jun 4, 2013 20:48:31 GMT -5
Thanks for the well wishes regarding DH's retirement. It's been a team effort over the last 3+ decades. From very early on, specifially at age 24, our ultimate financial goal was having the option of early retirement. For the most part, DH made the money. I saved the money and made that money make money. When we were young, every time we had the opportunity to pick the brains of those who were older and wiser and willing to tell us their success stories, we were "all ears" and we learned some basics that have served us well over the years. Ben Franklin said, "A penny saved is a penny earned". Over the years by being a wise consumer in every way possible, I have saved a boatload of pennies. I'm sure a lot of DH's co-workers are scratching their heads - they know that he worked at a field site over the majority of his career (not the place to make the big bucks, but a good place to raise a family) and they know that we have been a single income household for more than two and a half decades. In the last couple of months several people have commented to DH about how "lucky" he is to be able to retire. Ha. Luck has nothing to do with it. So since you have been gaining all this wisdom for all these years, what can you share with us that will help us along the way? My mom's advice was to have a plan. She always saved money but didn't really know what to do with it. When it came time to think about retiring they had nothing really saved. In ten years she did a ton of research and saved a ton of money. Luckily, that was when interest rates for savings were good. They sold their house at the top of the market, rented for a year and then bought a house after the market went down in a much cheaper area so they did well there. She also said that you don't want to just get a job, you want to have a career. Then you get higher paying jobs and more experience and are worth more. All good advice. I'd like to say that I followed it to the letter but I can't say that. Something I heard when I was young was to start saving when you are young. Mom made me save my babysitting money when I was 11 and opened a mutual fund for me when I was still a teen. I've had a 401(k) or an IRA every year since my first job after college. I never really made a lot of money (didn't go the career route) but I saved all I could and it's allowed me to do some things that have made me very happy. So, now you.... We started out in the early 80s and those were different times; some of the things that we did probably could not be replicated today. When we started out (without student loans), we lived off of one salary and saved the other to take care of any REAL emergencies, to put a down payment on a home, and for larger purchases (cars, furniture, appliances, etc.). We drove our cars for 10-13 years and usually bought used. We have never paid interest on anything except real estate (including cars). We started saving for retirement at age 24 contributing the max allowed and never looked back. We continued to contribute the max even after we purchased our first home in 1985 and when we became a single income family in 1987. DH passed on job offers from other companies even though he would have gotten salary increases to do so. He opted to stay with the same company for his entire career so that he could collect a pension and receive retiree medical. You guys already know that we made being smart consumers a priority......in ALL areas. I think those are the most important things we did. When you can save money from every pay check it makes a huge difference in how you feel about work, psychologically speaking.
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FreeSalsa
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Post by FreeSalsa on Jun 4, 2013 23:12:46 GMT -5
On moola saving mom (I think) there was a whole list of Harris Teeter doubles. Lots of free stuff and more than half off stuff. I didn't look at details but if I had this store I'd be all over it. Hope some of you do.
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