With 2019 around the corner. Just a money saving tip for you. Being able to save money is not just about the money part it's about being organized so you will know just where your money is going for 2019. So for the New year get those old papers shredded and the new ones organized so that you know where thing are for the new year.
For 2019 if you have any Saving, Making and having Fun with money ideas that you want to share then family share them right here and let's make 2019 a great Money Year!
I was reading an article yesterday about Sears Employees it stated that when Sears closed it promised them that they would get 1 weeks paycheck for ever year worked. That didn't happen. They gave them 4 weeks pay and that was it. They cut the retirees pension to 1/3, but they gave their executives over 10 million dollars to shut down all the store within a certain time frame. This only goes to my believe that even if your working for someone take care of yourself and your financial needs by being a frugal/cheapskate. So situations like this will not throw you and your family for a financial loop if and when it happens. Depend on self and not someone else for your well-being.
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?
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.
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.
frugal/cheapskate is not about depriving yourselfor going without the things that make you happy. It means living
the best lifeyou 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 LifeThe Money
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.
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?
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.
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.
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?
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.
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
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!
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.
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?
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.