Saturday, December 15, 2018

That's Crazy Or Is it Just me??

                                                    Hello Family, How are you today?

 I was reading this article and I thought to myself this is crazy and smart at the same time. But you must have no morals and no pride to make money this way. I also wonder what happen to getting a thing like you know a job. Is it me or is that to much to ask of our young people and some older people today to work instead of this. Read this article and tell me what you think?


Millennials are paying thousands to this ‘digital beggar,’ an unemployed pot fiend (The title)

                                                                 Is this crazy or what?

                                      I talk about this and some more crazy stuff right here


                                                   Have a Great Cheap Cheetah Day & Save that $$

Wednesday, December 12, 2018

English Version Of the Profit


  If you liked watching the Profit on CNBC this is an English version like it. It was interesting and funny.  Have a great Cheap Cheetah Day & Save that $$$

Sunday, December 9, 2018

Cruising On The Cheap

                                                  Hello Family How are you today?

 Today we are talking about cruising on the cheap. The things I learn from veteran cruisers who have been cruising since the 70's . Also I talk about my take on what I consider rip-offs when you cruise. So join me and let's talk  Cruising On The Cheap right here at 


If you have a money topic or suggestions that you would like for me to talk about on future Cheap Cheetah Money Shows . By all means contact me and let a Sista know. We are family let me know what's on your Money Minds.

                                   Have a Great Cheap Cheetah Day & Save that $$$

Friday, November 23, 2018

Black Friday shopping frenzy kicks off


                                       Hey Family How was your Thanksgiving?

It's that time Black Friday and look at the crazies running to the stores for what they think is a bargain. Which in reality it's not. Your better off buying your gift through out the year when you can really get a bargain. But if you did do the Black Friday thing I am not knocking it. I am just saying I would rather keep my money in my pockets and shop after the holidays or year around for gifts. It's cheaper for me that way. Besides it 's 16 degrees in New York to cold to shop.

                                                  Have a great weekend and Save that $$

Thursday, November 22, 2018

Happy ThanKsGiving

                    Hello Family Wishing you a Safe, Happy and bellyful Thanksgiving...


Monday, November 19, 2018

Saving Money

Hello Family.

Today we are talking Ways To Save Money but we are to Lazy to do it.

Share you stories on this topic right here.

Have a great Cheap Cheetah Day & Save that Money  

Saturday, November 17, 2018

Just Thinking Out Loud

                                                   Hello Family How Are you Today?
 Being a frugal/cheapskate is not about depriving yourself  or going without the things that make you happy. It means living the best life  you have with what you have to work with. To me life is about half saving half enjoying and mostly laughing. We can't save everyday of our lives but we can try and be happy everyday. So are you happy being a frugal/cheapskate

Some say satisfaction is a type of joy. There is a subtle emotional type of satisfaction when you save money while enjoying your life. Some would call inner peace that comes from knowing that your controlling your finances and not letting your finances control you.

Realize that you can learn from everyone that you meet some will teach you and other you will teach.

Even though I am a cheapskate it's important for me and you to be happy with our lives and find the little comforts that we enjoy for forfil that happiness that we all need and seek. Don't let saving money be all consuming because if you do you will not be happy you will just be obsessed. Just my thoughts. Enjoy Life  The Money Will come

                                               Have A Great Cheap Cheetah Day & Save that $$$ 

Monday, November 12, 2018

Money Fears

 Hello Family Today I am talking Money Fears right here on The Cheap Cheetah Money Show.

Have a great Cheap Cheetah Day & Save That $$$

Saturday, November 10, 2018

Think About This...

                                                                  Hello Family

                    Which is easier for you making the money or saving it. For me it's saving it. 
                    Something to think about to....

                                               Have A Great Cheap Cheetah Day & Save That $$ 

Sunday, November 4, 2018

Thanksgiving Cheap

                                               Hello Family, How Are You Today?

Here are some cheap/frugal ideas for planning a Thanksgiving. If you have money saving ideas that you do for Thanksgiving. Share them with us right here on The Cheap cheetah Money Show.


                                           Have a Great Cheap Cheetah Day & Save That $$

Wednesday, October 31, 2018

Happy Halloween

Happy Halloween Family

Just a reminder that tomorrow ( Nov1th) Halloween candy goes on sale at 50% off. If you like candy like I do . But really don't need it but buy it anyway like me. At least buy it on sale. My grocery story was selling a big bag of candy for $2.00 yesterday and people were buying it like crazy. They did have some good bags of chocolate in the bunch.  Here's a quick Money Saving tip. When it comes to Halloween. For costumes be creative and use what you have in the house design your own. Stop by your 99 cent store and just purchase a witches hat or some cat ears and get creative with that. Your local 99 cents store has some great Halloween stuff and it's cheap.

Have a Great Cheap Cheetah Day & Save that Money

Sunday, October 28, 2018

Pets & Halloween

Hello Family today we are talking Pets & Halloween right here on The Cheap Cheetah Money Show. 

So join me and let's talk. Also if you have a money topic that you want to talk about  contact me and let's talk.

                                            Have a Great Cheap Cheetah Day & Save that $$$                                                          

Tuesday, October 23, 2018

More Scarier

                                               Hello Family How Are You Today?

With Halloween around the corner I know it's a time to get our scare on but..... To me there is something more scarier then these guys. Granted these guy can bring you fright and you might even pee in your pants a little. This to me is more then scary it's frightening and here it is. Not having enough money!!!

 We all think that we have enough money for retirement but do we really? No you don't need 5 million or 1.6 billion dollars to retire with. You need enough money so that you can finance the lifestyle that you want in retirement. Whatever that might be and you have enough money so you don't have to worry about how to pay the bills when they come in.

 Scary is not having enough insurance to cover the hospital bills that's over $25,000  because you or someone in your family had surgery. I had a hospital bill that would have cost me $37,000 had I not had insurance to cover it. Like I had that kind of money laying around to send to the hospital. Yea right. Make sure you have enough health insurance to cover any unexpected hospital expenses. Your doctors visit and drugs prescriptions.

Scary is not having enough money to pay for unplanned expenses like a broken window, plumbing problem because you know a toilet always breaks down, roof problem. You get the idea.

Scary is not being able  to enjoy some of the simple pleasure in life after you have worked so hard all these years because if you spend any money on pleasure your bills will not get paid.

Scary to me is having to take on a part-time job so that you have enough money for the basics in life. Not because you just want to and it gives you some extra play money.

Scary to me is not having dental insurance or enough money to cover a major dental problem. Teeth ain't cheap anymore . Well the upkeep of them anyway.

Scary to me is the price of food that keeps going up and up and me not having enough money to even walk into a grocery store.

Scary to me is not having a paid off home and wanting to retire...

Scary to me is Uncle Sam wanting  money for back taxes and you don't have it.

Scary to me is working for a company for 30 years and they shut the doors for good.  You lose your benefits and pension. Because you failed to plan outside of what your employer was offering.

Scary to me is not being able to help out a family or friend in need because your in the same boat

These  to me are more scary then the horror guys. OK, the horror guys can kill you but not having enough money is also killing you. So what would you rather have?

                                                   Have a Great Cheap Cheetah Day & Save That $$

Sunday, October 21, 2018

Crazy /Stupid $$$

Hello Family today we are talking Stupid Money. Right here on The Cheap Cheetah Money Show

If you have any suggestions or stories you would like to share Regarding Making, Saving Or having Fun with money I would love to hear them.. You know where to contact me..

Have a Great Cheap Cheetah Day & Save that $$$ 

Friday, October 19, 2018

Crazy Money!!!!

                                                 Hello Family How are you Today?

Hello all let's talk crazy money or is it scary money? To win a billion dollars on a 2 dollar bet . The odds are like way out there. Say if you did win and you live in New York  your favorite uncle Sam will get half, then  he takes some more . So you would be like a billionaire for say 5 minutes at most. Then after all the taxes and dust settles you would get 300 million. Which is not bad for a 2 dollar bet. Some people say the lottery and playing it is a complete waste of time and money. I do agree but when you have this kind of money shouting at you . I say why not take a chance on maybe winning a least the second or third prize. Which could be worth a couple of millions heck it could be a couple thousand dollars  that would be enough for any cheapskate/frugal person to be content with.  Winning that kind of money a billion or even 300 million brings on stress , unwanted attention and that's just from friends and family who have their hands out for some of that  billion you just won. Then let's not forget you have to always look over your shoulder for the people who want to do you harm for the money they thing or they know you have.

If you are content with your life then winning that kinda money would cause you to change your life and it might not be for the better. You would have to leave your home, change your numbers, tell  a whole lot of people no. Your friend and family might treat you differently because of the money you won.( read some of the lotto horror stories to see what I am talking about) Winning a billion or less is  a wonderful fantasy but to me I would be happy with just a couple million. That way my life would not change so much and I could live in peace without anybody knowing my  real net worth.

But we all know who's really getting rich on this and that's the lotto. They have made billions of dollars on people with a dollar and a dream. While a lot of us have spent the $2 or even more and are still dreaming because like we all know they did not win not even their $2 back.

What I am saying  is yes have some fun spend the $2 and dream, What could it hurt and if your lucky you might win your $2 back and now your dream of riches was free.

                                               Have a Great Cheap Cheetah Day & Save that $$   

Sunday, October 14, 2018

Frugal/Cheapskate SuperHero's

                                                  Hello Family, How are You Today?

 No we are not talking about the comic book superhero, we are talking about the Superhero's of the Frugal/Cheapskate kind. Listen and you will see just what I am talking about


If you have comments, suggestions or money topics you would like me to talk about  contact me and let's talk Money!!!

                                                    Have a Great Cheap Cheetah Day & Save that Money!!!

Saturday, October 13, 2018

Silly Or Stupid?

                                                   Hello Family How Are you Today?

Ok I am not sure if you have ever watched this program 90 Day Fiancé ( see some episodes on YouTube). The base of the story is these people from the states go overseas to find love. The crazy part is that the people who live in the states spend so much money on their overseas love interest that it get's crazy. Yes I am hooked on this show because it shows me how gullible people can be with their life and money. This is what I call a money train wreck show.

You have the people living in the United States flying all over the country to meet total strangers. Let's talk air fare which is not cheap. Hotel stay not cheap. Expenses while in a foreign country not cheap. Even before these people from the States see their overseas love interest  they send their love interest money to pay their bills, rent apartments and so on. This to me is crazy. Why because you are sending a total stranger that you think you love your hard earned money and what you get in return is a maybe? Maybe I could love you if your bank account is right. Maybe I could love you if you bring me over to the States so I can live here. Maybe I could love you if you could take care of me & my whole family living overseas. Maybe or you get the idea. This is a money train wreck that I can not stop watching.

 Some of the over seas love interest have stole, lied and introduced themselves as people they were not. Can you say the overseas love interest were opportunist. Can I mention when the people from the United States go see their love interest overseas they foot all of their expenses and some even foot the overseas family's bills. Crazy right? Some of the places these people go I would not even think of going to let alone get a mate from there. It's to dangerous. One guy went to Brazil and wore a bullet proof vest most of the time. Really??

 You should not have to pay for someone to love you . Love yourself. Keep your money in your pockets and keep it moving.  
                                                       Have a great Cheap Cheetah Day & Save that Money! 

Monday, October 8, 2018

Happy Columbus Day

Wishing you and your family a Happy Columbus Day

& Save that Money!

Sunday, October 7, 2018

Challenge Talk

 Hello Family How Are You Today?

Today it's The Money Challenge Talk Right here at The Cheap Cheetah Money Show ( Podcast)
So listen in and tell me what Money Challenge Are You doing this month!

Have A Great Cheap Cheetah Day & Save That $$

Monday, October 1, 2018

Happy October

Hello Family How Are You Today?

Happy October Let the money Challenges began & let's get scared of our debt and start focusing on our savings.

    Have A Great Cheap Cheetah Week & Save that Money!!!

Sunday, September 30, 2018

Believe & Feel It

Hello Family  Happy Sunday

Today we are talking about Believe it & Feel it and ways that you can do both and save money. So let's talk  right here...….. On The  

Cheap Cheetah Money Show 

Have a Great Cheap Cheetah Day & Save That Money!!!

Thursday, September 27, 2018

October Challenge

                                              Hello My Family How Are You Today?

 Well as we now October 1th is Monday and what better day and time then to start a New Challenge. This time it's not going to be a saving money it going to be a making money challenge for 30 days. So put on your thinking caps you have the weekend to come up with ideas on how you can make extra money. For me as you know I mystery shop, return cans for the deposit, sell online and do surveys. I at least make my dollar a day doing one or more of these. I know you can think of something. Use your god given talents and let's make some money in October. Share with me what your doing and have a great weekend. While saving and make that $$ Who's with me on this one?

Sunday, September 23, 2018

Take Advantage

 Hello Family how are you today?

Listen in while I talk about ways that you can take advantage and not feel guilty.
right here on the Cheap Cheetah Money Show

Have A Great Cheap Cheetah Day & Save That Money!!!

Saturday, September 22, 2018


                                                 Hello Family, How Are You Today?  

Do You Stress About -- or Debate/Struggle with Frugality/ Being A  Cheapskate? (sale, best)
- How do you feel about YOUR OWN frugality/cheapness?
-- Do you struggle with it (from time to time)
-- Do you try to be "perfect?" (whatever that means)

These are some of the questions you need to ask yourself when it comes to living your cheapskate/frugal lifestyle. Being frugal/cheap should not stress you out. it's a way of life that your either just starting or that was within you all along. So stressing about it should not be a factor. As for the first question I personally love that I am cheap. I see the benefits from learning  of now spending money or stuff that's not necessary. When I pay attention to my money by being a cheapskate I can enjoy what having money offers me like vacations,  no debt  among other things. But my cheapness was in me since I was little so I can see how someone starting out can get stressed by the little things being frugal/cheap can bring. All I can say is take one thing at a time be it organize your personal papers, looking over your debt, not spending money on a items that is really not need and save that money. Start writing things down to see where your money is going. One step at a time means less stress.

If you struggle with your new frugal/cheap lifestyle take a minute and really think about why you want to be a cheapskate/frugal person. What is your end game when it's all said and done. What are you trying to achieve with your new lifestyle. Write  down your goals  and again take that one step at a time toward reaching your goals.

No ones is perfect we all make mistakes, we fall off the wagon from time to time. I know I have fell off the wagon so much in my lifetime I have knee wounds to prove it. But I get right back up and start a new the next day because that's all we can do. Everyday that we wake up is a new day to start fresh. Don't try and be perfect just be you. 

This lifestyle like life is not meant to be stressful it's meant to help you obtain your money goals and for you to enjoy that journey of being frugal/cheap along the way.

So no stressing I will not allow it! 

Have a Great Cheap Cheetah Day & Save that Money 

Monday, September 17, 2018

Prepare On Sunday

                                                 Hello Family How Are You Today?

7 Things To Do On Sundays To Make The Next Week Great

When you've taken time to plan you are less rushed and less stressed, less likely to forget things you need and less likely to make impulse buys.
1. Plan Your Upcoming Week
2. Meal Planning
3. Grocery Shopping & Meal Preparation
4. Clean House & Do Laundry ( this is a Saturday thing for me)
5. Plan Clothing For Upcoming Week
6. Clean Out Your Purse Or Bag
7. Weekly Paperwork Session

If I miss anything or you do something different let's us know. We might want to do that to.

Have a Great Cheap Cheetah Week & Save that money! 

Monday, September 10, 2018

Love Her

 Hello All, How Are You Today?

This is a good money quote from Mary Hunt a women who is also a fellow cheapskate.

Have a great Cheap Cheetah Day & Save that Money.

Monday, September 3, 2018

How To Be

                                                 Hello Family How Are You Today?
                                 Simple rules on How To Be Wealthy ( if that's what you want)

Read and listen to Clark Howard and other Frugal living/Cheapskate podcasters.

Get a financial advisor you can trust. I mean really trust

Buy your car in cash. ( I did this in the 80's until I had the cash for the car I took the bus) 

Don't have a balance on your credit card. ( Cash & Carry Only)

Don't buy what you don't need. (Thrift, yard sales. flea market will do just fine if you need stuff cheap)

Don't eat out all of the time.( well sometimes with 2 for one deals, coupons and I someone else is treating you)

Buy your house with 20% down (to eliminate the PMI) and pay an extra payment a year. ( payed off my house in 5 years I hate to owe people. or find a cheaper place to buy with out the higher down payment)

Invest only in something you know a lot about - don't be a speculator. ( buy what's stable when it comes to stocks and bonds. companies that have been around since the dinosaurs like Procter and Gamble.

Eat healthy and exercise regularly. Eating healthy is expensive but can be done, exercise Is the parks, free pool and bike riding. 

The #1 rule of becoming wealthy: DO NOT live above your means, live BELOW.

Enough said you get the point.  You can be wealthy if you put our mind on it.

Have a Great Cheap Cheetah Day & Save that $$ 

Saturday, September 1, 2018

Saturday Funny

                                                                  Hello Family

                               Sometimes we just need a Saturday Funny and here it is....

                                                     Have a Great Cheap Cheetah Day!
                                                                Save that Money!

Thursday, August 30, 2018

To Far

Hello Family, How re you today?

I like Goodwill like the next person, sometimes I can get a deal on stuff from them. But I think they went  to far with this one. I know they will sell stuff that they get free but really???

Have a great Labor Day weekend Be blessed, Safe, Have fun while Saving that Money!

Have a Great Cheap Cheetah Day

Tuesday, August 21, 2018


 Hello all, how is everybody today? Life is scary enough add medical l expenses and you have a horror show.  I was reading this article today about how people are now using Go fund Me and other crowd funding platforms to pay for their medical expenses.

Is it just me or do you think that our so call government like in other countries should help us foot some of the medical expenses that most of us can't afford. I don't care how frugal/cheap you are medical expenses can wipe out all of your hard earned saving in a blink of an eye.

That's what I most fear that my medical expenses which I have a few along with my drugs will lead me very close to the I can't pay this edge. I know you say get medical insurance to cover your medical expenses. But like my partner says insurance is only a promise to pay.

I come to realize something being a cheapskate/frugal person just can't fix help you save  enough money for these out of control medical and drug cost. I could be wrong what do you think?

                                                    Have a Great Cheap Cheetah Day & Save that Money

Saturday, August 18, 2018

Going To The Club/Bar

                                              Hello Family How Are You Today?

Going to the Club/Bar as a frugal/cheapskate is to expensive & crazy.  Do we even put this as part of our entertainment budget anymore? Speaking as an older adult  I remember clubbing with the drinks the people and loud music. Back then it was cheap when I was  into the club scene which was Saturday and Thursday nights. But back then the clubs were free on Thursday night for ladies and Saturday before 10 o'clock it was $7 dollars to get in. The drinks were $5-7 dollars in a nice tall glass and they were not water down as much as they are today. The people were out to party and meet new people. I have met some nice people while clubbing. Some of my better boyfriends came from the clubs Not like it is today. What I m saying is it was cheaper and safer to go clubbing back in the day then it is now.

Today the cover charge for some clubs are over $20 bucks. Let's not talk about the drinks they will run you about $10 and higher for a small glass of watered down liquor. I remember seeing music rapper and the likes go to clubs and buy $100 bottles of champagne and  vodka. I mean bottles of it. That's crazy their bills at the end of the night would be in the hundreds just for liquor.  With the money they are spending on liquor in the club you can do other things and still have money left to buy you  a nice $10  bottle of wine at the liquor store.

You want to be seen in the latest whatever outfit & shoes that you paid a lot of money for. This is a younger person's mind set nowadays. God forbid they come to the club in something that they got at a second hand store. So now you spending a couple hundred to look good for one night. I remember whatever was in my closet on the night I was going out that's what I was wearing. Basically I wore black skirts, pants  with nice colorful tops and belts. I looked pretty and the outfits were cheap.

The music is to darn loud. Especially for my ears now and the crowd. It's way to much for me. Your in a pack house with no room to breath it's 110 degrees  in there.  Wall to wall people on top of you with loud music blasting in your ear and on top of that you paid for this. That's crazy.

Meeting new people. I remember back in the day you could go to the club and meet some decent people. Now people seem to be meeting the crazies. People are in clubs today to hook up. Some of them have no problem going home with strangers for the night. Not thinking if this stranger is a crazy or not.  You can keep that it's not worth losing you life over a possible hook up.

I not even going to talk about the drugs being taken in the clubs nowadays. That a whole  story in itself and another expense to add.

With all this said the clubs/bars use to be a nice place to go relax and spend some quality time with friends and meeting new people with the expenses at a minimum.  Now I know it's not worth it no matter how you look at it money wise or health wise.

                                                 Have A Great Cheap Cheetah Day & Save that Money

Sunday, August 12, 2018

To Much For Me

                                                     Hello Family, How Are you Today?

Yesterday I was reading this article the top one that say's filthy rich. The story goes like this. This women who lives in New York collects cans and other stuff as you can see in the picture. That's her car by the way she's standing in front of with the graffiti  all over it. This women makes about $25-30 dollars collecting can but.... she's worth 8 million dollars because she owns two brownstones in Harlem that her and her husband got for cheap back in the day. Needless to say she also owns a condo in a nice area that she purchased for $22,000 back in the day.

Now her brownstones are not rented out and they need work but if she were to sell them she would get about 8 million. When I read this story all I could say is wow. She claims picking up cans is a hobby that gets her out of the house and get's her walking.

I mean look at her car it's on it's last leg. If it was me my brownstones would be rented out. I could get about 2-3 thousand a month for the apts if not more. I would at least buy me a new car.  and I know one thing I would leave the can pick up to people who really need the money. Or donate what I make from it.

I am amazed how people with so much money refused to spend some of it on themselves for their betterment or enjoyment. What do you think? 

                                             Have A Great Cheap Cheetah Day & Save That $$
P.S. I love reading these kind of stories

Tuesday, August 7, 2018

Cheap Summer Parties

Hello Family How Are you today?

                               Cheap Summer Parties Ideas

It's summertime and the parties are easy and cheap/Frugal.  well all like to invite friends over for a good time, Play music, eat good food and have some tasty drinks in the warm weather with out it effecting our pocketbooks to much . So here are some cheap party ideas for the summer.

1.  Throw a  party of your favorite T.V Show. For example Mad Men the theme would be 60's drinks, attire. Or Hawaii Five 0 which would be a Hawaii theme, What about Empire which would be a record label theme you get the point..  Remember the food, drinks and the creativity makes these parties fun.

2. Dollar stores, 99 cents stores. Take a $20 and  go wild making up a cool party  theme with the crazy stuff these stories have.

3. Invite the party to the beach or community pool . Bring the  refreshments and the music and party.

4 With the summer  it means out door events and movies. Take advantage of the free movie night or concert nights you have in your area. Invite your friends bring the refreshments and enjoy the event.

5 Where I live in New York they have food truck festival. that's where a lot of different food truck get together in one place and show off what they sell. This would be a great place to party. The food is already there. The drinks would be on you. Sodas and waters and you have a chance with your friends to sample some good food.   Look for events like this to share with your friends and where you can make a party out of it.

6. Find a spot that is not only pretty but unusual and have a dinner party with your friends. Pizza and sides with a nice bottle of the cheap but good stuff does the trick.

7. We all know potluck barbecue, invite  friend they bring some stuff and we have potluck barbecue.

8 Cool summer desserts party. You can see I love sweets why not plan a summer dessert party with friends. You supply the place, a dessert and the drinks, Your friends supply the other desserts and   the fun.

Summer is a time for fun, friends and good eats on the cheap. Keep your parties fun and simple. Simple food, wines and desserts. Remember it all about the company the rest of the stuff is just the icing  on the cake ( see I told you I love desserts). Have a great summer.

                                       Have A Great Cheap Cheetah Day & Save That $$

Saturday, August 4, 2018

Saving For Health

                                                            Hello My Family How Are You Today?

Well today I am talking to you about a personal situation when it comes to health care. I was in the hospital this past week . I had to have surgery for something. The hospital was suppose to keep me overnight, but they have a policy that they only keep you for 6 hours and send you home because the insurance companies don't want to pay for overnight stays any longer. Anyway being a cheapskate when I was introduce to the doctors who would perform the surgery. First think I asked them if they took my insurance because I did not want any extra bills from this coming my way.

I also told the  nurses that took care of me don't give me any medication that is not covered under my insurance plan. Was I being to cheap with my health? I realized that if it's was not for my partner having good insurance I would be  screwed when it came to my medical expenses. That's why I wanted to tell you that you need  good medical insurance and extra money on the side for medications and co pays. I still have to pay co- pays when I go to the doctors but I am ok with that has long as the insurance company covers the rest. And if you have not notice  Heath Care is expensive

So no matter what insurance you have make sure you set some money aside extra for the unexpected medical cost that insurance companies don't pay for.

                                          Have A Great Cheap Cheetah Day & Save that $$

Tuesday, July 31, 2018

Debt Free

                                                 Hello Family, How Are You Today?

                       The Feeling of Being Debt Free

 It's GREAT! But at the same time, life goes on. It contributes to one's happiness, but it is not happiness itself.

Being debt free means your stress level goes down. It means you have more options and flexibility in life. The option to save. The option to live a slightly better everyday lifestyle, or maybe some of both.

Being debt free can set off a "virtuous cycle" whereby you take the money you were putting toward debt payments and apply it to savings/investments. As your savings and investments grow over time, your margin of safety grows. So when life's misfortunes come (job loss, car repairs, etc.), they are at least a little bit easier to take. When you're not desperate, you feel more at ease to negotiate that better salary for yourself and/or don't have to snap at the first job offered. You have the cash available to plan and stock up on things when they're on sale, which grows your margin of safety some more, etc.

I guess I really haven't ever been tempted to slip back into old habits. I basically have permanently raised my standards for what's financially acceptable. That means my 'red alert' button goes off long before most other people's. I try not to wait until there's a crisis to solve a problem. When you're saving a healthy portion of your income (i.e. more than 15%) as a normal thing, then that just becomes your standard for "normal"....and when you dip below your usual savings rate, you view it as a "problem" where most other people wouldn't until they were thousands in debt on their credit cards. Much easier to solve your problems when your savings rate has dipped to 10% than when you are running up credit card debt at double digit interest rates.

I think having long term goals also helps. People who like planning usually do better financially than those who don't. I keep track of my net worth and I like projecting the numbers out toward retirement. When you value flexibility and freedom more than the things money can buy (such as freedom to walk away from a job you hate without worrying where the rent will come from next month), it's easier to stay focused on long term goals. Also, when you realize that after the most basic necessities are covered, having more "stuff" doesn't add all that much to your happiness, it becomes easier to save, so buying things you don't really need just isn't that much of a temptation. Try being debt free you might like it . If not you can always go back to being in debt again.

                                               Have A Great Cheap Cheetah Day & Save That $$

Tuesday, July 24, 2018

What Do You Say

                                                     Hello Family How are You Today?

 Some people say being a frugal/cheapskate is about the money. Some say 's it's about the adventures when it comes to  finding ways to save. Some say it's in them and they don't know how else to be. Regardless of why you are a frugal/cheapskate you just are. An I am glad you are your like me. But what happens when your  financial goals are met, you home is paid off, you have no debt , your health is good and you have a nice piece of cash in the bank.. What happens then.? Do you stop and think what is the reason for me saving all this money after my basic needs and goals have been met.

Money to me is freedom. I used to hate getting up early in the morning walking to the bus stop when it was dark. Passing  skunks and raccoon's in the street heading  home after a night out  looking for food. I use to hate having to bring in a doctors note when I was sick to my employers or calling in sick when I just did not feel like working. I felt my life was not my own it was my employers and they could do  anything they wanted with me between 8-4 Monday -Friday and  they did to. I worked my butt off saved as much money as I could and after reaching my saving goal and  with help from  family . I told my employer  " I am out of here" and that was 5 years ago and I don't regret a minute of that decision. Yes I am scared of my future with the money I saved and invested. Hoping that it will last me until I don't need it anymore.  I am scared about my medical insurance  when and if I no longer have it . But while I worry I still enjoy the life and freedom god has given me.

I want you to see that saving money is the price your paying for your freedom. Think about all the things that you want to do but can't because you have to work. Now think about doing all those things because you have your freedom. Makes a big difference.   Is spending money or stuff you don't need or really want  more important then having your freedom. For me it wasn't

                                              Have A Great Cheap Cheetah Day & Save that $$

Sunday, July 22, 2018

Thank You

 Hello Family. I just want to say Thank You  for being a part  Of the Cheap Cheetah Money Show
 As always Save that Money!

Thursday, July 19, 2018

To Much $$

                                                Hello Family How Are You Today?

I was reading this article yesterday about Jeff Bezos the worlds riches man. I first thought if that was me I would not want the world to know how rich I was. That could lead to people wanting to do scary things to me or my family. Also one could not spend in their life time 150 billion dollars. What would you spend it on or do with it? After you have purchased all you wants and needs? Also my last thought would be does one person really need all that money we are talking 150 billion dollars. To me that's way past scary money it's frightful money. The article I was reading also stated in order for Jeff to be broke when he passed  away he would have to spend  about 5 million dollars a day. Who the heck could spend that kinda money in a day . If he needs a place to put some of his money.  I would love a condo in Vegas if he would like to donate to the cause.

                                                         Have a Great Cheap Cheetah Day & Save that $$