It takes hands to build a house, but only hearts can build a home.

Author Unknown

Saturday, February 28, 2009

Chapter 2, Page 28, Book 09


A tour guide was showing a tourist around Washington, D. C.
The guide pointed out the place where George Washington supposedly threw a dollar across the Potomac River.
"That's impossible," said the tourist.
"No one could throw a coin that far!"
"You have to remember," answered the guide.
"A dollar went a lot farther in those days."


Author Unknown

Proportion your expenses to what you have,
not what you expect.
English Proverb


GOOD MORNING!

We all know that things cost a lot more today than they did 10 years ago. My utility bills, my food, and even my coffee cost more than they used to. So I thought I’d join the ranks of the frugle bloggers sharing tips on saving money and share a few of my favorites today.

Avoid spending money on frivolous things or giving in to impulse purchases. Before making that "need to have" purchase, sleep on it overnight. Buy it only if you still want it desperately the next day


Buy only if you have the cash to pay for an item, even if you are using your credit card to make the purchase

Reduce or eliminate your magazine subscriptions. Go to your local public library to catch up on the latest edition of your favorite magazine. It's free

Shop with a list. Don't stray, except to buy seasonal products you can use

Food is the largest expense after housing and transportation. How you shop and cook can make a big difference



I’ve had to watch my budget for many years and watching what I spend money on is nothing new to me. Since my family is all on their own now, things are not as tight as they once were, but everything costs more too.

My motto for now is: If I have the money I can buy it, if I don’t – I won’t.

Starting tomorrow I’ll be sharing more wisdom of a very different kind.
Have a great Saturday everyone!

THOUGHT FOR TODAY

The odds of going to the store for a loaf of bread and coming out with ONLY a loaf of bread are three billion to one.

Erma Bombeck

‘On Ya’- ma



9 comments:

Alice said...

Really like your advice, Pam. I live the same way. Sometimes I think about buying something (like a new stove) & then I think I've lived this long without one & my old one works just fine so.....I just don't like the idea of not being able to take care of the basics if I don't have a back-up savings. Have a good day :).....

Jan said...

I think our generation have always had to be careful especially when feeding a big family,old habits die hard dont they ? I like the quotes today ,Have a good weekend my dear Friend ..love Jan xx

betty said...

can't wait to hear about your wisdom things!! I'm studying Proverbs now and I truly believe we all need to grasp God's wisdom these days (especially our leaders); looking forward to what you share

thanks for all the tips on frugality; so important these days! we made a commitment not to use our credit cards; good tips about the magazine subscriptions too and I know a lot of them are online too. Same with newspapers but I like to get the paper since it has coupons in it and its only $10.00 a month so that's not too bad overall if I get more than that in savings with coupons.

thanks for sharing Ma and have a great weekend

betty

Scrappy quilter said...

We've had to live frugally for a number of years now. We have no debt of any kind, no mortgage and had to learn to live within our means. We don't own a cc and pay cash for everything. We are both retired, however before retirement we would look at how many hours we had to work to pay for a specific item. Boy did that change our spending habits. I also had to learn what needs were vs wants.

It's become a lifestyle for us now that we live on a fixed income.

Joan said...

Having had to watch the pennies most of our married life it comes second nature when you are older too. Being retired out utility bills are high and have gone up so much in the last year or two. Have a great weekend. Love Joan

Sandra said...

Its different now that the kids are grown.... we had to use credit then but we don't anymore.... I thank God every day that we are debt free now and I like being that way too. we have extra money now I wish we had when the kids were growing up....

Kath said...

They may call us old fashioned but I am the same.I only buy if I have to and if I have the cash.Save a penny (dime) spend a penny (dime) has always been my motto all my life even when the children were small and things were tight then.Father taught us from being very young you cannot have what you cannot afford NO DEBT.Like you say though Ma today food bills and service bills don't bare thinking about the prices have risen that much.I don't know how some pensioners manage on the pittance our Govenment pays out.Have a lovely Sunday.Goodnight and Godbless Kath xx

Pamela said...

I don't buy on credit at all. These are good tips.

Celeste said...

I used to be so frugal. I neeed to get that way again.