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March 25, 2008

eBay

I have found that I’m really enjoying buying and selling on eBay.  When I want to purchase something, I seem to find it at the same or less money than what I see at the store.

I’ve been holding a big 99cent sale of old cds and other assorted items, and to my surprise not only are they selling but they are moving quickly.  It seems that people know a bargain when they see it.

I notice that when you list something for 99 cents, while it might sell for only that, more often than not that the price gets bumped up a bit by a small bidding war between those who can’t live without the object I’m selling.  Confession time, I’ve been known to do that as well.

So, when you have time, take a look-see about eBay and see what bargains can be found.  Like me you’ll find others who are holding their online garage sales and you might just come away with a nifty item or two for a song.

Happy Shopping!

Kat

Filed under: Life,Money Matters by Kat at 1:29 pm

March 24, 2008

Money Matters

This morning I did something that I rarely do anymore; I stopped at McDonalds and picked up one of their Vanilla Iced Coffees. To my surprise this coffee is good, not just ok but actually GOOD. I’ve always been a stanch Starbucks kind of girl, something to do with growing up in Seattle and having nearly drank it from the bottle. With our economy falling into a recession I’m finding that while I love Starbucks Iced Coffees that their higher prices aren’t loved by my pocketbook.

I’m finding less expensive ways of purchasing things that I find to be nearly as good as or better than the original. As you’ve seen in previous postings, I’m playing the Grocery Game. Clipping coupons and shopping sales have enabled me to save money, while buying things I use daily.

I have a full pantry, deep freezer and fridge. I’m not lacking for any of the basic necessities in life nor am I missing out on the luxury items that I might desire but not need at the moment.

In saving money this way, I’m able to do things like up my 401k by 2% more this year; sock money away in a money market fun, investing in stocks and put money away for a cruise that friend Naomi has invited me to go on. I don’t feel like I’m not shorting myself on anything I might want, need or desire.

I was talking to my sister Becky about money this weekend, one thing we agree on, is that our generation tends to be of the “I want it now” mentality. As we grew up we remember our parents would save and pay cash for the bigger items. Rarely did they use credit; they did finance the house and cars, however they never bought a new car off the lot when a 2 year old one would do the trick.

Going back to this way of thinking, after years of the “I have to have it now” syndrome, I’m finding that I appreciate items that I purchase more than I did when I bought them on credit. I’m saving money by paying myself the interest that I used to pay the bank cards or finance companies.

So as I sip this iced coffee, I think in the long run, I am making a healthy change, saving money and not feeling short changed, and still allowing for the little splurges now and again.

Filed under: Life,Money Matters by Kat at 10:00 am

January 22, 2008

The Grocery Game

I have to admit I love playing games and what better game to play than one that affects your real life financial bottom line.  My younger sister told me about The Grocery Game.  The general gist is that you are out to stock your shelves with items you would use for a price less than what the store would normally like you to pay.  For those of you who are raising an eyebrow regarding this, yes it’s 100% legal.

You might ask how I can play this game. The game is based partly on coupons you cut out from your Sunday paper and online coupons you print and clip.  Every Sunday the lists of items that are on sale in your selected stores are posted on The Grocery Game website.  The lists will tell you what items it recommends that you stock up on.  Everything you can buy in the store is subject to be on the list, provided it’s on sale.  Each list is color coded.  Green items = Free Items, Blue Items = Best deal you’ll find on this item, Black Items = On sale but only buy as you need them.  You’ll read through the list and see where you can use your coupons to obtain the best deals.

I’ve learned a few things: 1. if you live in a state that double coupons for you, they only double the first coupon, so if you want all your coupons doubled you need to make more than one trip. 2. If you have a coupon worth more than one dollar, it will be doubled only to an additional dollar off. 3. Clip every coupon in the Sunday paper, things you think you’d never use, when they are ‘free’ you might just want to try them. 4. Its worth the money saved to take the time and shop this way.

I’ve been keeping a spread sheet with running totals showing me just how much money I’m saving on every trip and every month.  I figure, I’ll track my grocery spending for the year and see just how much I save.  So far I’m saving on average 61% off each of my grocery bills.

Hopefully you too will try out the game and see that it’s worth the money saved.  As I have asked my friends, if every time you go to the grocery store and save upwards of 70 dollars out of 100 spent, isn’t that worth the time you spend playing this game? I think its worth every penny!

Happy Shopping!

Kat and the kids.

Filed under: Fun Stuff,Life,Money Matters by Kat at 10:55 pm
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