I wouldn't call insurance as a way to increase net worth.
Buying a house to increase net worth is also banging on speculation.
Getting married does not guarantee an increase of net worth.
I live on an island in Southeast Alaska where groceries are expensive. Though I do choose to spend some of my grocery dollars in the store to support local business, most of my food dollars funnel through local, informal buying co-ops (you can start one yourself!) to Organically Grown Co (a produce wholesaler in Oregon) and Azure Standard (a natural foods wholesaler, also in Oregon). Our produce co-op orders through foodclub.org, a site built to facilitate co-op orders. The food is shipped from Seattle by barge every two weeks. It took some time after moving here to wrap my brain around ordering food that far ahead of schedule, but it's actually made grocery shopping so much easier, especially since I have small kids. Just order online and pick up when it comes in!
I also supplement through Vitacost.com (via eBates or Topcashback for additional savings), which has great prices and fast shipping.
I'm hoping for additional savings as I start using my menu-planning app to its full potential, Plan To Eat. I choose my meals and it will give me a grocery list for them.
You are critical of bicycles taking up a full lane, but when a lane is "substandard" (usually classified as 14' or less), it isn't safe for cars to share the lane with them. By taking the lane, the cyclist is informing the motorists that they need to change lanes to pass safely. Most lanes are less then 14' anyway, but even with 14' lanes, there are situations in which the cyclist must move away from the edge, such as when going around parked cars, when there is glass on the street, when a street drain goes out into the street, and many other things. What is your rush? It takes only a few seconds to pass a bicycle and about half the time, the bicycle will catch you at the next stop sign or light anyway.
Saving up for vacations so the trips are paid for before you ever leave town is an approach I would add to the list (or tack on as part of #8). Vacation is so much more relaxing and enjoyable when you know you have the savings set aside to cover the cost instead of playing catch for the next several credit card billing cycles.
If you do your grocery shopping at Walmart, I highly recommend checking out Savings Catcher https://savingscatcher.walmart.com// It is also available on the Walmart app. This is a great way to earn money back! All you do is scan the barcode on your receipt using the app or you can manually type it in, Walmart then checks for competitors in your area for deals on eligible items. If they find a lower price, you'll get this difference in a form of an eGift Card which you can redeem at any time. This method has worked very well for me and I've earned well over $100 so far, which I plan on using towards a future grocery shopping trip.
For me, I find that I need to do one shopping trip and buy meals for the whole week. If I do smaller trips a few times a week and buy a few meals at a time...I spend more.
We have a local farmer who we buy our grass-fed beef from. We can purchase a quarter or a half, depending on if there are others who want to share. This is amazingly cost effective, the meat is wonderful, and it's so easy to just shop the freezer.
My fav trick for saving $$ at the grocery store is to always look at the marked down items. Our kroger store calls these Woo-Hoo items. I have bought 3-4 Organic OJ with the pulp for 1.00 each, regular 3.99. They stay fresh and delicious even after date, just keep them in the back of the fridge and open when needed. I have bought organic butter for 1.50 regular 6.99. When I find those I buy all I can get my hands on, then I put them in the freezer! Organic ground turkey for 1.99, regular 5.49. I buy all I can and freeze them.
Its a great way to SAVE!!!
PS: I have the Swing-A-Way I bought sometime in the late 1970s. I clean it regularly using a toothbrush and make sure it's bone dry before putting it away.
And, I 'm not a fan of cast-iron cookware, but I ALWAYS keep my eyes open for that Le Creuset Dutch oven!
It's not a fair statement to say that getting married will help your finances. Many people actually pay a marriage tax depending on where their income levels fall. Marriage typically benefits a couple with one high earner and one low earner, not two people earning roughly similar amounts.
My tip is to only buy what you need. Between alluring packaging and enticing smells of fresh foods, there are lots of opportunities to buy extra goodies, but if you stick to grocery list, you can avoid these impulses. It helps both your budget and your waistline :)
Well Grocery mode or criteria may differ from person to person, but the end result should bear positive result towards saving hard earned money out of the pocket.
Plan out your menu for main meal/s for the next week or two based off of what's on sale, then make a list and stick to it. Simply making a well-planned list based on what you've planned to eat in the near future cuts that bill waaay down as you're not throwing things in the cart on impulse.
Always check the unit price to see which item is the cheapest.
I wouldn't call insurance as a way to increase net worth.
Buying a house to increase net worth is also banging on speculation.
Getting married does not guarantee an increase of net worth.
I live on an island in Southeast Alaska where groceries are expensive. Though I do choose to spend some of my grocery dollars in the store to support local business, most of my food dollars funnel through local, informal buying co-ops (you can start one yourself!) to Organically Grown Co (a produce wholesaler in Oregon) and Azure Standard (a natural foods wholesaler, also in Oregon). Our produce co-op orders through foodclub.org, a site built to facilitate co-op orders. The food is shipped from Seattle by barge every two weeks. It took some time after moving here to wrap my brain around ordering food that far ahead of schedule, but it's actually made grocery shopping so much easier, especially since I have small kids. Just order online and pick up when it comes in!
I also supplement through Vitacost.com (via eBates or Topcashback for additional savings), which has great prices and fast shipping.
I'm hoping for additional savings as I start using my menu-planning app to its full potential, Plan To Eat. I choose my meals and it will give me a grocery list for them.
nice.....I like that one
You are critical of bicycles taking up a full lane, but when a lane is "substandard" (usually classified as 14' or less), it isn't safe for cars to share the lane with them. By taking the lane, the cyclist is informing the motorists that they need to change lanes to pass safely. Most lanes are less then 14' anyway, but even with 14' lanes, there are situations in which the cyclist must move away from the edge, such as when going around parked cars, when there is glass on the street, when a street drain goes out into the street, and many other things. What is your rush? It takes only a few seconds to pass a bicycle and about half the time, the bicycle will catch you at the next stop sign or light anyway.
Saving up for vacations so the trips are paid for before you ever leave town is an approach I would add to the list (or tack on as part of #8). Vacation is so much more relaxing and enjoyable when you know you have the savings set aside to cover the cost instead of playing catch for the next several credit card billing cycles.
If you do your grocery shopping at Walmart, I highly recommend checking out Savings Catcher https://savingscatcher.walmart.com// It is also available on the Walmart app. This is a great way to earn money back! All you do is scan the barcode on your receipt using the app or you can manually type it in, Walmart then checks for competitors in your area for deals on eligible items. If they find a lower price, you'll get this difference in a form of an eGift Card which you can redeem at any time. This method has worked very well for me and I've earned well over $100 so far, which I plan on using towards a future grocery shopping trip.
For me, I find that I need to do one shopping trip and buy meals for the whole week. If I do smaller trips a few times a week and buy a few meals at a time...I spend more.
I shop sales and use coupons.
We have a local farmer who we buy our grass-fed beef from. We can purchase a quarter or a half, depending on if there are others who want to share. This is amazingly cost effective, the meat is wonderful, and it's so easy to just shop the freezer.
My fav trick for saving $$ at the grocery store is to always look at the marked down items. Our kroger store calls these Woo-Hoo items. I have bought 3-4 Organic OJ with the pulp for 1.00 each, regular 3.99. They stay fresh and delicious even after date, just keep them in the back of the fridge and open when needed. I have bought organic butter for 1.50 regular 6.99. When I find those I buy all I can get my hands on, then I put them in the freezer! Organic ground turkey for 1.99, regular 5.49. I buy all I can and freeze them.
Its a great way to SAVE!!!
I agree, but it is also stealing.
PS: I have the Swing-A-Way I bought sometime in the late 1970s. I clean it regularly using a toothbrush and make sure it's bone dry before putting it away.
And, I 'm not a fan of cast-iron cookware, but I ALWAYS keep my eyes open for that Le Creuset Dutch oven!
A good way to get over the "ick" factor about ANY used textiles is something I read in Amy Dacyczyn's "Tightwad Gazette:"
When you stay in a hotel (or a hospital), all the textiles AND the mattress are used!
(Apologies in advance to all those who will never again see those things the same way!)
It's not a fair statement to say that getting married will help your finances. Many people actually pay a marriage tax depending on where their income levels fall. Marriage typically benefits a couple with one high earner and one low earner, not two people earning roughly similar amounts.
Never go grocery shopping hungry!
Also use coupons and check to see if they have a loyalty card.
My tip is to only buy what you need. Between alluring packaging and enticing smells of fresh foods, there are lots of opportunities to buy extra goodies, but if you stick to grocery list, you can avoid these impulses. It helps both your budget and your waistline :)
Match up weekly sales with coupons for bigger deals.
Thanks! I'm gonna use this good info for an upcoming project!
Well Grocery mode or criteria may differ from person to person, but the end result should bear positive result towards saving hard earned money out of the pocket.
I think having a list ( and taking it with you ) is my best tip. I also use coupons and price matching.
I use lots and lots of blogs to find the best savings matchups and I also download each store's app where you can find exclusive savings.
Shop sales, use coupons and use your reward card if available. :)
Plan ahead and use a list
Plan out your menu for main meal/s for the next week or two based off of what's on sale, then make a list and stick to it. Simply making a well-planned list based on what you've planned to eat in the near future cuts that bill waaay down as you're not throwing things in the cart on impulse.