This is my time of year. My year in money review. Yesterday I got all my financial papers out just to see how good or bad I did in 2017. If you get a minute during your busy holiday season take a couple of hours and get your money review in order . So that you will see what you need to do in 2018 when it comes to taking charge of your money and getting to the land of financial freedom. Save that Money and Have a Great Cheap Cheetah Holiday!
Hey Family. I been thinking about 2018. Well January 1th 2018. I think that's the perfect time to give up something that can save you money and improve your life. For example if I give up cake then it's saves me money from buying it and it helps me to not gain any more weight. Get the point. So what are you giving up for one month that will help you save money and improve your life? Have A great Cheap Cheetah Day & Save that $$$
Hello My Cheap Cheetah Family, Tis The Season.....
Holiday Gift giving. This is the month that we really testing our spending limits. With Thanksgiving out of the way and black Friday. What's a cheapskate/frugal person to do when it comes to giving gifts? Personally I have stop giving gifts a long time ago. I only give gifts to the main family like mother, best friend and that is it. My partner doesn't even get a gift we decided to do vacations instead of gifts. But when I did go all out this is what I did.
For my co workers ,family & friends I always shopped thrift store, yard sales and flea markets in the summer time. It use to be that I could take $20 bucks and get a bagful of brand new gifts from yard sales/garage sales each gifts would cost me less then $1. I take cruises when I can afford them and if I go places that offers cheap or free but nice gifts. I pick them up and save them for gifts to give during the holidays. One time the cruise ship I was on gave me a $400 onboard credit because my room had a leak. So I used my onboard cruise credit to purchase all my holiday gifts from the ships shops that year. To me the cruise had just paid for all holiday shopping that year These are some of the things I do but here's some gift giving suggestions
Re-Gifting- Don't look at me like that a lot of people regift items that are nice but they don't want so they give the gift to someone who they think might need it. Make sure that you do not regift to the same person who gave you the gift that your regifting.
Give gifts after the holidays. That way you are still giving gifts to family and friends but now the gifts are at a 50%-75% discount. Besides who says you have to give gifts on one day. Make a new tradition to give gifts after the holidays.
Yard Sale/Garage sales/Flea Markets. Estate Sales Like I mention before shop for your gifts during the summer yard sales, flea markets and avoid the worries for the winter.
Don't forget to set a budget for the gifts that you are giving and the money for the food if your making the holiday dinner this year.
Gift Basket comes to mind for a great gift. You can make your own check out some of the great youtube videos on gift baskets) Use some of the things you have around the house .Like the baskets and fillers, ribbons, cute decorations. You can always go to the craft store and see what they have in their clearance binds for your basket. I saw once where a person purchased a nice coffee cup cheap, filled the cup with a small package of coffee, instant milk and a small package of cookies. Wrapped it nice with ribbons and such and gave as a gift. I bet this idea cost the person less then $5 bucks and it was very creative as far a gifts goes. For the basket fillers use coupons and 50% off items to make your basket simple and cute.
How about telling people that you will pass on giving gifts this year and later on when your money is right you will make a big dinner for family and friends. That will be your gift to them
If you have children that you must give gifts to for the holidays. Then I have found that stores like toys are us and sears offer clearance section in their toy department which these these toys might not be the latest but it's something right?
Secret Santa- Some people do a secret Santa if they have big family. That's where everyone puts their name in a hat and you pull one name and that is the person you get a gift for with a budget in mind of course. This helps because instead of 15 people you have to shop for now you only have one. It's less stressful that way.
Food nothing says gift giving like food. Bake something like cookies, brownies, cake. Or even make a pan of something that the person likes when you make it and give that as their gift.. Who can resist bake goods.
Well these are some of my ideas on how to be cheap/frugal when it comes to gift giving for the holidays. Have a Great Cheap Cheetah Day and Save that $$$
We never talked about this but let's talk decoration for the holidays on the cheap/frugal. First do you decorate for the holiday. You know put up a tree, decorative candles, all that holiday stuff in and outside of your home. If you decorate how much is it costing you to do it. Here's what I do . I buy a few poinsettias and that's my tree and decoration. and trust me I pay about $10 for the two of them and that's it for me.
Here are some ideas for you.
Start buying your decorations after the holidays the stores are trying to get rid of their stuff and that's a great bargain for you.
Set a budget do not go over say $20 bucks and see how creative you can be when it comes to decorating on that $20.
Ask your friends and neighbors if they have extra decorations that they are not using that you can borrow. Did I tell you I like free and borrowed stuff saves me $$$.
Yard sales, garage sales they are your friends. I have found tons of decorations at these places. When people go overboard that's a win win for you because they sell their stuff cheap sometimes they just give it away.
Buy decorations that you can use over and over again this saves on buying things every year. For example a plastic tree, holiday decorations, lights buy it once on the cheap and use it until you can not use it again.
Who says you have to decorate you can go visit and see others people's decorations and enjoy the feel and spirit of the holiday with out spending a penny to decorate you home.
I do this when it comes to outside decorations I go house watching and see all the festive lights and displays people have done in the front of their home and I am satisfied that I don't need to do any decoration I got my decorating holiday fix from the neighbor's. These are just a few of my suggestions. Have a Great Cheap Cheetah Day & Save that Money!
Hello Family, Just a thought with Black Friday just a few days away. Are you doing this madness so that you can buy stuff for yourself or others that you and they don't need? I will pass on black Friday for a few reasons. First I am cheap and nothing on black Friday in merchandise compared to what I can get at yard sales for less then half of what the stores are selling.
2nd I really don't need anything that bad that I would get up out of my warm bed to fight traffic, crowds... and good knows what else to get anything and that included buying gifts.
Lastly I shopped in the summer for my holiday gifts, yardsales, garagesales, ,going out of business sales. So I am done and I paid the prices I wanted to pay for my gifts not what the overprices stores suggested I pay even on black Friday. So has a frugal /cheapskate how are you handling this Black Friday?
I am back from a 2 week vacation. The first week I went on a California Coastal cruise with the Ruby Princess. The last week I was in Vegas Baby! The two weeks that I was on vacation I realized that I had lost my cheapness for those two weeks. I found myself spending money not really looking for the cheaper version of what I wanted to buy, But if something was offered free believe me I took it. I spent a year saving for this trip so I was not worried about the spending money part. And to be truthful it felt kinda good just to spend money without thinking about getting a better deal. But I am back home now and I am back to be my old cheap self . Which I am ok with. I have to ask you when you go on vacation do you lose your fugal/cheapness for the time that your on vacation?
As far as the cruise alone the California part of it I will show you videos on that later. I will also show you my Vegas videos to. For right now I just wanted to ask you that questions. And to say I am back from vacation and that you were missed.
Have a great Cheap Cheetah Week!
P.S. The video is the Seals in San Fransisco one of the cruise stops we made.
Boo! Americans will spend $9.1 billion on Halloween this year
The spookiest time of year is here, and in addition to ghouls and goblins, Halloween also carries a massive price tag.
According to the
National Retail Federation (NRF), Americans will spend $9.1 billion on
Halloween candy, costumes and pumpkins in 2017. This is up 8.3% from
last year. The biggest chunk of
the spending will go towards costumes, with holidaymakers spending $3.4
billion to dress up like their favorite monsters and superheroes. For
those impatiently waiting to satisfy their sweet tooth, never fear.
Americans are expected to spend $2.7 billion on candy this year.
down, the NRF predicts that each person will spend an average of $86.13
on Halloween festivities, up from last year’s figure of $82.93. All of
that spending can seem scary if money is tight, nevertheless, people
seem up to the challenge. Just 12.9% say that their spending will be
impacted by the economy.
The truth is, there
are a handful of other money woes that spook Americans more than
shelling out billions for costumes. To find these hidden terrors,
WalletHub conducted their own Halloween survey to determine the most pressing financial fears facing Americans today. It turns out that 26%
of Americans fear an unplanned emergency, and the same percentage of
people fear not having enough retirement savings. On the other hand, 20%
fear losing their job, 7% fear poor credit, and 11% fear fraud. Indeed, losing your
money or being misled is much more terrifying than creepy crawlers, in
fact, 72% of people say that data breaches (ahem, Equifax), are scarier
We don’t know about you, but all of those financial setbacks sound way scarier than a thriller movie.
This article is from Yahoo Finance. Have A Great Cheap Cheetah Day!
What personal finance lessons do you wish you learned in school?
As I've gotten older and learned more about personal finance
I always think, man I wish they taught that when I was in school instead of calculus. I hate
calculus. Something I still have not used to this day.
What are some of the personal finance lessons you wish were taught in school?
Set financial goals. Pay yourself first.
Live beneath your means, pay cash...
how to spend and structure spending
Live debt free
1. Houses/real estate are NOT always good investments
2. Paying cash for any big ticket item is usually stupid. Do the math.
3.How to invest early.
Have A Great Cheap Cheetah Day & Save That Money!!
Sometimes when the weather been as nice as it has for the last couple days (70 degrees ) I had to break my cheapness. So I could buy the good stuff like Ice Cream. Purchased a pint of Ben and Jerry's Chunky Money and it's wasn't even on sale. That's how I roll when I am not cheap ( LOL) You know somethings us cheapskate/frugal people have to indulge once in a while Right? Have A Great Cheap Cheetah Day!
Hey My Cheap Cheetah Family I might have to spend some $$ to see this in the Movie Theater. It looks to good to watch on my regular TV when it comes to DVD. What do you think? Have a great Cheap Cheetah Day & Save that Money!!!
Good Morning My Cheap Cheetah Family How Are You Today?
What are your biggest pain points with personal finance? What problems do you have that you wish someone would solve?
Some of mine are: - Figuring out how to invest my money and how much to save - Figuring out what to put into retirement savings (e.g. 401k) - Setting up a budget and adhering to it. -Going cheap on things that I need to spend a little bit of money on ( good shoes,my health,medications,home repairs)
Share with me what your find the most pain when it come to your finances.
Here's a questions for you being a cheapskate/frugal person how are you dealing with glasses. I ask because I had to get new glasses. My old ones have lasted me about 9 years and I need new lenses. I wanted to put them in my old frames but if my old frames break I am lost. I need my glasses to see with for everything. I went to an eye glass place ( I used him before) and they wanted to charge me $350 bucks for new lenses and frames. I would still be keeping my old glasses for a back up pair. I just wanted to know how do you deal with getting new glasses without it costing you arm, leg and thigh? With what it's costing me I might need to take out a loan from a bank. Have A Great Cheap Cheetah Week!
Good Morning Family. Anybody doing any money challenges for October. As you know I am still doing my $1 a day challenge and my saved coins for investment challenge that I started over the summer. So far I manged to but $25 toward my investment for October and I have saved about $5 in my $1 challenge. Ok, so I am a little slow at this stuff but I am trying. So what are your money challenges for October? Have A Great Cheap Cheetah Day & Save That Money!!!
I have to confess making a dollar a day ain't easy. For the people working yes you can make that extra dollar by working overtime at your job . Or just taking it from the paycheck that you have already earned. But what about if your not working? Like me I am not working and to tell you the truth working even part- time is not an option for me right now. But I still need to make a dollar a day so that I can use it to keep my radio show going. They charge you now use to be free. So what I have done so far is this. I returned my bottles for the 5 cent deposit. Which netted me about 65 cents. I don't really drink soda so the 5 cent return will only help me but so much. I have done mystery shopping but the jobs are far and few between. Plus they are paying so little now it cost me more in gas then it does to do the job.
I have looked for loose coins on the street, Not much luck there. I have tried selling stuff on line, got some decent sales but more look loos then anything. I don't do surveys online because they give you gift cards after you completed like 1 million surveys for them. Needless to say the surveys are 30-50 minutes each. I have tried collecting my coins, You know I showed you what I do with my coins,.I am using them to invest with. That's a better option for me. I have used coupons well tried but I keep forgetting them at home. Besides the coupons I get are not for the products I use. I had a yardsale make some $$ on that but I gave a lot of stuff away for free. I just wanted to get rid of it. So there you have it I have tried to make a dollar a day and it ain't easy. What would you do? Have a great Cheap Cheetah Day & Save that Money!
Hello Family, Here's my confession but let's keep it between us ok. I volunteered Wednesday for We Day. Which is an organization that promotes doing great things for your community and others. This is an event geared toward children which is great. The event took place in New York . They had speakers like Whoopi Goldberg, Chelsea Clinton, Olympic Gold Medalist, The Prime Minster of Canada, you get the idea they had people. I volunteered because it was a good cause and..... I was getting free food breakfast, lunch and dinner plus I was seeing a show for free. I thought I would be getting a gift bag to take home after the event . All for free..
What I got was a breakfast that consisted of a apple, granola bar, coffee or juice and that's it. Lunch was Vegan or a boxed lunch of something wrapped in avocados. I hate avocados. Dinner if you want to call it that was pizza hut. I got a tee shirt for free. Which by the way we had to wear for this event. No gift bags were given to the volunteers. I did see a free show which was ok. Which really the show was about people encouraging our children to make a difference.
When you volunteer do it from your heart and that's what I tried to do. But for me this one was all about what I can get for free. But you know the jokes on me because I spent $40 bucks traveling back and forth to the event and came out with much less that I expected. Hey I didn't even get a feeling of personal satisfaction that ones gets from volunteering with this event. At least if I would have gotten that feeling I would have been a satisfied.
Have you ever got mad at yourself for unnecessary spending.
For example I got a speeding ticket a couple years ago. It was my fault
thought I was driving in the Indy500. Ticket was $150. Another example I
forgot to pay a bill and the next time the bill came in I was charge a
late fee. Last one I spend extra money on my cell phone service not
knowing that if I asked for the AARP discount it would have cost me much
less. These are some of my examples of unnecessary spending what are
Just a little reminder don't forget to save your coins and to roll them when you have a bucket full. I just finished rolling mine and I saved $40 bucks in coins. I now have some $$ to spend for the holidays, put toward my upcoming vacation or go out to a nice meal. What I really plan to do with this money is put it toward my Kellogg stock that I am investing in. You remember I am using coins to invest in stock. Money that you don't really see could go toward something great in your future. Just a thought. Have A Great Cheap Cheetah Day and Save That Money!!!
Hello My Cheap Cheetah Family How Are You Tonight?
I hate when people lie.Here's the story I am going away in a couple of weeks and one of my stops is Vegas. I love Vegas. I got this flier in the mail that said this.
I happen to like Tuscany Casino I play there when I get a chance. It's a small and cute hotel. Plus they have my 25 cent machine that I like to play.Well anyway I got this great deal. So I booked my room for Saturday which was $225. Yep I said $225 and Sunday thru Thursday I was paying $35 a night. Nice right. Wrong!!! I happen to be reading something and on a message board it said that this hotel charges you a resort fee of $25 a night, but they don't tell you that until you get there. Now to me that's sneaky. So my 30 a night room is really $55. No thanks. I got a better room at Ballys Las Vegas for just their resort fee of $35 a night. ( got 4 complimentary night paying. I have to pay $200 for Sat/Sunday night). I hate when people are sneaky about the price they charge for stuff. Beside this hotel got mixed reviews. So I will stay at Ballys and see what they are doing.
My first choice was Caesars Las Vegas but they are charging $650 for Sunday, $620 Monday and so.
But I will be using this
Hey I love to get free slot play, almost free tickets and food credit. I might not be staying at Tucany but I will be using the heck out of their offers. Hey I am a cheap cheetah what do you expect!. Have a great Cheap Cheetah Day & Save that $$$
I miss my podcast show. I was thinking about doing some new shows, but I feel the price on blogtalk is kinda expensive, They are asking $12.99 a month. I am not sure if it's worth it. I mean I love doing my shows but financially it can get pricey. I liked when they offered it for free. You know I am a cheapskate) I am looking into other options . If you have any suggestions please let me know. Now on to
Money Challenges. September 1th is right here and I am looking for a good money challenge. Are you doing any money challenges and if so what are they I might want to join you.
Hello My Cheap Cheetah Family. So How was your weekend?
Well here's the question for today Crazy Or What? You decide. I know by now you have read or heard of the hospital worker Marvis. that won 758. million Dollar in the powerball. She won on Saturday and came forward on Monday. With out the assistance of any professional help that could have shield her from all the crazy situations that she will encounter with all of that money. Like a good tax man, lawyer, financial planners etc. Is it just me or was this a crazy move on this women's part to let the whole world know that she has that kinda money.
Only thing I can think of is the danger she has put herself and her family in by letting the world know your business. I could be wrong . What do you think did she make a smart move or a dumb one by coming forward to soon after she won?.
Good Morning My Cheap Cheetah Family How Are you Today?
Some Suggestion On How To Retire Cheap
That’s right. It usually costs more to live in or near big cities or on or
near coastlines. You can save thousands of dollars a year in real estate taxes
and on home and food costs by moving to “middle America,” where the cost of
living is lower. The median household income in Auburn, Ala., is only $21,630,
and the winters are mild. In Blacksburg, Va., it is $26,792, and in Mount
Pleasant, Mich., it is $27,621. These three cities all happen to double as
college towns — Auburn University, Virginia Tech and Central Michigan
University, respectively — which tend to offer lots of cultural and educational
events, often priced low to attract students. One warning: If you live in a
town that’s too isolated, it may take you longer to get to airports, hospitals,
libraries and stores, and you’ll find that your children and friends may not
visit you as often as you’d like.
2. Pay off your house
The most recent statistics show that at least a third of those who are 65
and older are still paying off mortgages, and some continue to work because of
these mortgages, their largest single expense. Imagine how much better you can
live in retirement with an additional $12,000 to $24,000 a year.
3. Get rid of car payments
It’s easier said than done, but having no car payment will save you hundreds
of dollars a month. After you pay off your car loan, be sure to maintain your
car well so it will last several years. Some retirees who no longer need to
impress clients with luxury cars downsize and buy more affordable cars and save
hundreds of dollars a month doing that. Whatever you do, don’t lease a car.
That guarantees that you’ll continue to have large monthly payments going
4. Take care of your body
Eat well. Exercise. Don’t smoke. All of those things you need to live a
healthy life will reduce the likelihood that you’ll need expensive surgeries or
other medical procedures. And if you retire before you qualify for Medicare,
your health will be a major factor in the health insurance rates you pay.
5. Delay retirement
There are two reasons to do it: You’ll give yourself more years to save for
retirement, and you’ll receive a higher Social Security benefit. If you’re
trying to decide, keep it mind that the key is whether you think you’ll live
past 79. Let’s look at two examples:
Mary and John are the same age, and they both will live to be 90. They stand
to collect the same amount if they retire at the same age, but Mary wants to
start receiving benefits when she turns 62. She receives $19,320 a year, and by
the time she dies at 90, she has received $542,570. John waits until he’s 70 to
start collecting his benefits. He receives $35,340 a year, and by the time he
dies, he has received $709,745.
The break even age– the time at which she would have collected the same
amount whether she retired at 62 or 70 – is 79 years and six months. If you
think you’ll live longer than that, consider delaying retirement. It just might
pay off in a big way.
Hey Family August already and the summer is just flying by and so is my money. Here's what I mean it's hard for me to be a Cheap Cheetah in the summer time because I find myself wanting to do stuff like go on vacations that cost money. Why is it in the summer things cost more then the winter time? I am more of an impulsive buyer in the summer and I watch my pennies in the winter. Here's a perfect example of what I am talking about. In October I am going on a cruise and that's pretty cheap but the hotel that I have to stay in the night before the cruise is costing me $200 Bucks!!! That's right I said $200 bucks and can you believe that that is the cheapest hotel I can find without it being a dump. Now the Cheap Cheetah in me would have said find something cheaper that a little above the dump hotels that you see. But the spender in me says it's only money go for it. So I did.
Let's not talk about my new addiction shopgoodwill.com. The way I have spent money on their site their summer I might owe them by kidney to pay for some of my purchases. This is not a good summer spending wise for Me a Cheap Cheetah So how's your summer going?
Hello My Family How are you today? Patience I have none and because of that it cost me money. Example is that I was looking at a certain items that I wanted and I saw it online and it was kinda pricey. I thought about it for a moment and I guess my cheapskate left me because I waited until the item was on sale and got it for $45.00. Which to me was to high but I wanted it.
Two weeks later I am at a garage sale and what do you know I see that same item brand new in box for .......$5 I was mad at myself for not having patience. Because of my lack of patience it has cost me plenty. So what about you has having no patience cost you $$$ Have a Great Cheap Cheetah Day!
Hey My Cheap Cheetah Family How Are You Today?
Just wanted to share these money quotes with you. I thought that they would give you something to think about. On that Have a Great Cheap Cheetah Day & Save that Money!!!
Hello My Cheap Cheetah Family Happy Summer and How Are You Today?
Would saving loose change count as saving money?
If you get 90 cents in change every day, 7 days a
week, 52 weeks a year, that's $328. Not much of a vacation. But there is a
better way to save. Whatever you are buying every day that adds to your loose
change every day, stop buying it. If you're buying coffee for $2.10 each day to
get back the 90 cents, you'll have an extra $764 if you stop buying the coffee.
That's enough to pay for a vacation. In other words, every time you're paying
in cash and telling yourself "the coins I get back in change will go
toward my vacation", look at what you'reactually paying not the change you get back.
Yes especially if you spend a lot of cash instead of
credit. Just save every amount of change you get back. Saving any amount of
money is saving money. As far as a vacation after a year worth of saving I
suppose a mini vacation for sure ! Good luck Have A Great Cheap Cheetah Day & Save that $$
Happy Sunday Family. Well the money challenges are a big fail again.
The dollar a day challenge is harder then I thought. But to be truthful I
lost interest. The 20 dollar challenge I am still doing but again I am
over my $20 dollar budget when it comes to buying and reselling stuff on
the internet. But I am more concentrated on that challenge then
any thing else. How many challenges have you failed to complete. It's ok you can tell me I have failed at a lot of challenges but I still keep doing them. Because one of these days I will complete at least one of them. Here the blog for my 20 dollar challenge if your interested. https://twentybuckhustle.blogspot.com/ Have A Great Cheap Cheetah Day & Save That $$$
Hello My Cheap Cheetah Family, How are you today? My question for you today is how far would you go to get what you had to get? Ok, I am playing this game that lotto has where you can win win money, trips, or gift cards . But you have to get non-winning lotto tickets to enter to win. I play lotto but not enough that I can enter as many tickets as I do in one day. I enter about 25 non- winning tickets a day. So in order to get the non-winning tickets I go garbage picking. I have no shame when it comes to getting what I want and that's money, gift cards or a free trip!!! And it's costing me nothing but my time a a whole lot of digging in the trash. Sometimes picking in the garbage can get real nasty, people throw some disgusting stuff in the trash, if you know what I mean but I still do it because I need my tickets. I wash up really good when I finish.
People give me all kinds of looks when they see me digging in the garbage for discarded lotto tickets. They look at me like I am crazy. But that's ok, I will be a crazy fool when I win something like a trip, money or even some gift cards off of other people's lotto tickets. Now that's what I call a Cheap Cheetah Money Saving Move! Have A Great Cheap Cheetah Day& Save That Money!
I just read today that the Powerball jackpot is up to 400 million for
Saturdays drawing. If you win that kinda money or even a million dollars
would you quit your job or would you continue to work? Most important
would you continue to be a frugal/cheapskate? I would still be cheap
it's in my DNA. Have A Great Cheap Cheetah Day & Save That $$
Summertime Fun without spending all that Money. With summertime almost here what are you doing this summer to have fun and save money? Here are some suggestion some of them I do personally. Beach time take family to the beach it's free and who doesn't love the water. Free concerts in your community parks. OK so they might be the groups you want to see but it is free. Carnivals are popping up this month a lot of churches are having carnivals in their yards, It's free to go, to ride and eat just budget for that. Parades who don't love a good parade that's all free. Get in your car and take a drive to a town you have never been to and stay for the night and explore. Flea Markets and County Fairs always a good free place to have fun. Free community events are starting to pop up look at your community papers and see what it is you want to do for no to little cost to you and your family. My community organization offers a wine and cheese party in the summer for free. For the kids they offer a family fun day with lots of kid friendly entertainment. These are some suggestions if you have any to add let's hear them. Have a Great Cheap Cheetah Day!
Hello My Cheap Cheetah Family. For June 1th I want to share with you some good Money Quotes. To get you thinking about your money. Have a great June 1th Day. I especially love the Onion and Wallet quote that is so me.Have a Great Cheap Cheetah Day & Save that $$