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Frankly, I don't care what ramen, eggs, or even gas costs these days. If I get ripped off a few cents or a few dollars, then so be it. I'd rather spend my effort keeping the big expenses under control and going extremely stingy on the house and car while saving my brain cells over the small expenses.
Frankly, I don't care what ramen, eggs, or even gas costs these days. If I get ripped off a few cents or a few dollars, then so be it. I'd rather spend my effort keeping the big expenses under control and going extremely stingy on the house and car while saving my brain cells over the small expenses.
true but like i live on ssi so i have to worry about all expenses just my 2 cents
Frankly, I don't care what ramen, eggs, or even gas costs these days. If I get ripped off a few cents or a few dollars, then so be it. I'd rather spend my effort keeping the big expenses under control and going extremely stingy on the house and car while saving my brain cells over the small expenses.
I feel exactly the same way BUT -- I think it's good skill set to keep in our arsenal of finances. You just never know when something is going to hit the fan and you're going to need to keep track of ALL the pennies.
A whole dozen of eggs can cost less than a dozen packages of ramen.
True. There are many deals to be had but one has to look. A box of pasta and a bag of rice can yield many meals and are substantially cheaper than all the Shake n Bake, Heat n Eat, Grab n Go prepared krap that so many people find the money for.
Also, I can't believe the number of people buying fruit individually instead of bagged. You can get a bag of smaller apples for a lot less than buying them individually, and they're probably closer to the size people should be eating, anyway. Wegmans always has the 2-lb bags of plums and nectarines (grown in the U.S.), too, for only $1.99. Same thing goes for the fresh vegetables. Pass by the pre-cut/pre-packaged offerings.
There are bargains to be had if people would only look for them and get out of the convenience habit.
Interesting list. We are now retired and have plenty of money. We don't really 'budget' ... beyond what we have always done (which, at least for us, is pretty much common sense):
1). Know how much you make and how much discretionary spending you can afford - stick to it
2). Live below your means; - spend less than you make (then save the difference)
3). Save regularly (start with your next raise/increase and 'act like you never got it)
4). Take advantage of matching 401K funds to give yourself a raise.
5). Don't buy things 'just because someone else has them.'
6). Pay your bills on time - Avoid debt wherever possible, particularly for non-essentials.
7). Avoid buying things you can't afford on 'credit'; (What makes you think you'll have more later?)
8). Watch for sales and use coupons and rebates
9). Comparison shop ... on everything - If you can't 'do the math', buy a small calculator.
10). Build a fixed "What if" cushion into your budget. Save the money, if 'what if' doesn't happen.
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