Saturday, August 24, 2019

Building Net Worth.

                                                  Hello My Family How are You Today?

What Are You Doing To Build Your Net Worth?


 I'm starting to think more about what I can do build my own personal net worth.

Other than the basics, I'm wondering what habits, investments or methods you guys have found most effective in build your own personal wealth?

Here is what I'm considering the basics:

1. Improving your income
2. Reducing debts
3. Reducing expenses (I am already a cheapskate/frugal person so this one is easy))
4. Saving consistently and prudently
5. Investing consistently and prudently

 I think saving consistently is the key.
Paying attention to what percentage of net worth is made up of non-financial assets. My experience (and I assume the experience of most others) is that financial assets grow faster than non-financial assets, so while it's nice to have a comfortable home and reliable cars, keeping the cost of those big-spend items down helps our NW rise faster. When I refer to non-financial assets, I'm talking about personal home & vehicle(s).

What are your thoughts about this?

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

Wednesday, August 21, 2019

I Filed For Bankruptcy After Lularoe And Now Work 2 Jobs

                      

                                                           Hello Family How Are You Today?

I watched this video and thought this is crazy spending and foolish. She made money but yet?? So my question to you is who's fault is it that's she's in the situation she's in now? Love these kinda money videos it's teaches you what not to do with your money!!

                                             Have A Great Cheap Cheetah Day & Save That Money!


Saturday, August 17, 2019

Very Bad

Hello Family How Are You Today?




 Bad Financial Advice.

1. Yes, buy that  expensive consumer goods ($200 vacuum flasks , $500 boots) you can afford it.

2. Buying into Multi-level-marketing companies will make you rich. (Shakeology, LuLaRoe, Mary Kay, Amway, etc.)

3. Playing online poker going to the local casino to gamble  is fun and it will make you money.

 
 4.
I'll start saving later when I get paid more. Right now I need money for vacation.

5. You can afford the monthly payments. Go on and buy that new car with the $568 dollar a month payment on your $40,000 salary

6
.  Don't invest in the stock market that's a rich man's game.

7. No one saves for retirement  anymore that's old news.

 8. Yes you should buy a house, so you can save in taxes.

9. No you should never overpay your mortgage, mortgages are great for tax savings.

10. I need to give out more charitable donations so I can save more in taxes.

11. As long as you can afford it monthly you can afford it.

12. Buy the most house, car,  furniture, go on the best vacations, let your children go to the best private schools don't worry your  income will grow and you can afford it.

13. Why check your credit card balances each month, the credit card companies are never wrong.

14. Yes you can loan me the money. I will pay you back when I get my income tax check.
 
 15. Why cut out and use coupons your only saving pennies. 

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

Monday, August 12, 2019

My Review of Columbus Flea Market in New Jersey

Home Improvement

Good Morning Family..

Today We Are talking about Home Improvement on The Cheap! Join me and let's Talk  Saving Money on The Cheap Cheetah Money Show.

https://anchor.fm/cheapcheetahmoneyshow


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

                                                                                   

                                                                                

Sunday, August 11, 2019

Flea Markets



Hello Family how's your money this week? Well this past weekend I went to Columbus Flea market in new Jersey. It was fun but the only thing I spent my money on was cake, cookies and hot banana nut bread. I realize most people go to flea markets for the bargains but now a days there are no bargains. I found the items cheap and pricey at this market. How are the flea markets where you live?

                                        Have A Great Cheap Cheetah Day & Save That Money!

Tuesday, August 6, 2019

Cash Flow

Hello Family How Are You Today?

Watching The Cash Flow

I often remind people that being debt-free and putting  money into savings isn't the entire story when it comes to financial freedom. If we're not careful we can obligate ourselves to all sorts of recurring monthly payments that hurt our cash flow and give us no freedom to adjust how we're spending our money.

~ allowance for the children
~ clothing allowance for the children
~ school  lunch no, she doesn't 'brown bag it' because it isn't really an option where she attends school)
~ school tuition
~ lessons: music, dance, gymnastics, etc. In the case of music lessons, we also had to "rent" an instrument for two years.
~ monthly dues / clubs (scouts, for instance, and we belong to a club that means once a month we are going out to eat because that is how the club gets together.)
~ subscription services: Netflix, software, contribution pledges / tithe pledge, etc.
~ Expanded utilities: electricity, gas, telephone, cell phone - service and phone purchase, internet, cable, satellite, garbage, sewer, water, etc.
~ Insurance and warranties: life, house, auto, cell phone warranty, home repair warranty, pet insurance, etc
~ Recurring shipments: automatic renewal of prescriptions, vitamin or toiletries on auto-ship, etc. These programs are getting so popular now!
~ Other: mortgage, rent, storage unit rent, furniture / appliances, on-line game access, and tons more I'm sure I'm forgetting.

I noticed the last time I went to buy a software package like Microsoft office , I couldn't just buy the software. They wanted me to subscribe to a monthly service that included "free updates". The trend only continues. It seems every time I turn around we are encouraged to not buy an item out-right to to pay for it monthly. If we're not careful these recurring monthly obligations, while not debt, become worse than debt because they can easily out-strip our monthly net income.

Have you noticed a slow creep of recurring expenses against your monthly cash flow?


                                          Have A great Cheap Cheetah Day!
                                                   Save That money

Saturday, August 3, 2019

Micro-Savings


                                     
Today we are talking about Micro-Saving  right here On The Cheap Cheetah Money Show

                                            https://anchor.fm/cheapcheetahmoneyshow

                                                   Have a Great Cheap Cheetah Day!

Tuesday, July 30, 2019

Happy Dance


Hello Family How Are you Today!

Yes that's me well sort of doing the Happy Dance because.. the month of July and my Dollar A Day Challenge was GREAT!  I made or saved by using coupons $170 dollars for the month. Plus my lotto addiction which I spend about $200 a month on is now down to $20 dollars. So yes I am dancing my  butt off because if I can do it so can you!

August 1th is Thursday what are you doing when it comes to your dollar a day challenge. Got any ideas. If so share them with me I might want to do them to.

Have a great Cheap Cheetah Day & Save That Money!

Friday, July 26, 2019

Smart Deal or Not!



                               Hey Family How Are You Today?


Things that look like a really frugal/cheap, smart deal...but are anything but.

I have a friend who I recently found out is "buying" a bunch of appliances and electronics from Rent-A-Center. She and her family have very little money, but apparently "need" a washer and dryer, big-screen TV and a laptop so much that they are paying, like, $1,500 for a $400 laptop (I went online and price-shopped), about two grand for a washer and dryer they could have gotten for $200 perfectly good used off of craigslist, and I don't even want to get into the big-screen TV they have.

"It's the only way we could afford them...it's only $40 a week!

  few off the top of my head of deals we think are good but really are not

1) Leasing a car most of the time.

2) Cheap paint.

3) Convinces prepackaged foods, snackables, etc...

4) Starbucks

5) any electrical stuff NOT U.L. listed

6) For me anyways, those Kurieg coffee makers....(I drink a pot at a time......


7) Swifter mops

8) ANY rent-a-center places....folks that do business there are fools....

Here are what a few of my cheapskates/frugal people told me..

Those extortionist check cashing places that give you your money right away even if you don't have a bank account, but they charge an incredible rate to do so.

2. Similar businesses that give you an advance on your income tax refund.

I thought of some more! (And agree with just about cheap dollar store items - not all, but some.)

Tools and paint. Absolutely. I'm a painting & drywall contractor, so the idea of using Behr or Dutch Boy paint and cheap tools is inconceivable to me.

Dollar store reading glasses. The lenses fall out, the ear piece  things bend and fall off, plus they give me a headache after a while because the lens quality can be really poor.

Cheap dog or cat food. You have to feed so much more because of all the empty fillers and junk, (not to mention it's like a person eating McDonalds for every meal) that it's not necessarily cheaper.

Used or retread tires. Never again, they may not even be safe....I had one blow out on me years ago shortly after purchase and what that little episode cost me would have easily paid for four good new tires.

Home exercise equipment. It won't do a darn thing for you unless you actually use it
and since so many people buy it, never use it and then sell it practically new for a tiny fraction of the original price, it seems silly to purchase it brand new.

Coupons for things that you wouldn't ordinarily buy and aren't that useful, necessary or healthful in the first place. 

Got anymore family. If so  share them with me..

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


Sunday, July 21, 2019

Money In The News

                                                                   Hello Family

           Today we are talking Money In The News On The Cheap Cheetah Money Show
                             
                                               https://anchor.fm/cheapcheetahmoneyshow

                                                   So join me and let's talk Money!!!

Saturday, July 20, 2019

Extreme Frugal Minimalists Plan to Retire by Age 35!

To Hot

                                                                           Hello Family

It's just to hot this week to talk about money. Here in New York it's 96 but feels like 105 in the shade. I  know I went out for 1 hour today and could not stop sweating. Stay cool, Be happy and save that money!

                                                  Have a Great Cheap Cheetah Day & Save that Money!
                                                      https://anchor.fm/cheapcheetahmoneyshow

Tuesday, July 16, 2019

I Need This !!!

Hello Family How Are You Today?

Things even as Cheapskate/Frugal people we can not live without

   There are something no matter how much stuff we give up, we can't live without these. Here is a list of things see if your items are on there.

1 Cast iron skillet
2 Clothing Racks
3  Slow Cooker, Crock Pot, Bread Machine
4. Deep Freezer  My southern relatives would tell you this is a must in any house in the south
5. Sewing machine
6 Computer with internet ( that get's 4 stars from me. I love my internet)
7 Greenhouse/garden/fruit bushes
8  Candles, flashlights
9 Library card ( I second that I love my library)
10  Big Screen TV & cable (  no cable no tv)
11 Electric blanket
12 Microwave ( i use to never use this, Now I am hooked on my microwave)
13 Dollar stores. ( Are the dollar stores really saving you money?)
14 My pets
15  Coupons

 My personal list that I can not live without is my computer, library, window fan, house slipper, my t shirts and last but not least my Mr. coffee maker. I love my morning coffee. Most of these I got for free or a a deep discount. If I missed anything share with me what are the things you can not do without.

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





Thursday, July 11, 2019

Weekend Funny


                       Hello Family. Just want to say Have a Great Weekend & Save that $$$$

Sunday, July 7, 2019

Sneaky..


Hello Family....

Today We are talking about Sneaky Checking accounts and Money Challenges right here on 

The Cheap Cheetah Money Show


So join me and let's talk money!

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

Saturday, July 6, 2019

Til Debt Do Us Part | Season 5 Episode 3 | R You 4 Me

                             

                                                           Hey Family How Are You Today?

Hope that your July 4th was GREAAAT and you saved money. I found this  show "Til Debt Do Us Part" while strolling on YouTube. Even thought her show is off the air.  This is a good program about being in debt and the things people need to do to get out. For me the financial advisor could have gotten more  in to the finance part and left the relationship part out. But I love the jar concept.

                                           Have a Great Cheap Cheetah Day & Save that Money



Monday, July 1, 2019

Happy 4th Week

                                                               Hello Family....

Just want to wish you and your Family a Safe & happy July 4th week. This is the first day of July and I know that your Dollar Challenges have already started. I started working toward my Dollar A Day challenge last Month. So far I have made $60 and it's only the first of the month. So it's never to early or to late to start a Money Challenge. Just think about all the things that you can do with all that Money you have saved because of your Challenge!

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

Thursday, June 27, 2019

Cheap 4th


                                                              Hello Family...

Today I am talking about ways to be frugal/cheap this 4th of July. If you have any suggestions please share them right here with me. Remember it's all about Saving. Making and having Fun with money...

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

                                               https://anchor.fm/cheapcheetahmoneyshow

                                                                     

Tuesday, June 25, 2019

It Pays!!!

                                                     Hello Family How Are You Today?

For those who live in states that make you pay a 5 cent deposit on your soda, water and juices. It pays to keep these bottles and cans when you finish and return them to get your 5 cents back. I know your saying that it's not worth it. I say Yes it Is!! the reason being you paid the 5 cents  now go get your money back. If you save the bottles and let them accumulate over a period of time that money will add up. As you can see I got $1.40 for my bottle and can returns. You take this money and put it  with the other money you  have for.....

Hey money is money. We are cheapskates/frugal people and we must realized that sometimes it takes works and effort to get where we need to go in life and in our money situations.

                                  Have a Great Cheap Cheetah Day & Save that Money!

Friday, June 21, 2019

Happy Weekend

                                                    Hello family how are you today?

     Just wanted to share a funny with you  today. Wishing you a fun and happy weekend.
     Also think about it don't we say the same thing when it comes to spending money?

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

Sunday, June 16, 2019

Greedy Factor

Hello Family..

Today on The Cheap Cheetah Money Show I am talking Money In The News The Greedy Factor.
Join me and Let's Talk Saving, Making an Having Fun with Money!

https://anchor.fm/cheapcheetahmoneyshow


                                            Have a Great Cheap Cheetah Day & Save that $$

                                                                        Also 
                                                                        

Saturday, June 15, 2019

Hiring

Hello Family How Are You Today?

Summertime is almost here and it looks like the job market is taking a upswing. The reason I say that is because everywhere I look I see these signs " Were Are Hiring". So there is no excuse for you not to get a part time job  if you need one. Heck I am thinking of getting one. Some of the places I seen with this sign is Home Depot, Lowes, Dunkin Donuts, Mc Donald's, Target, Queens County bank, Chase bank( they are always looking for people), Walmart just to name a few places.

Just look in your local newspaper or online in your area and you will see the jobs. This is a great time for Junior to get a summer job if they are of age.
With an extra job you can use the money to pay down the bills, start an emergency fund, pay for medical expenses,  school expenses, school clothes, repairs that you might need. or even save the money for a nice vacation. There are so many things you can do with extra money.

Just a thought hey we all need some extra now and then and while the opportunity is here why not take advantage of it.

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

Tuesday, June 11, 2019

Coins

                
                                                   Hello Family How Are You Today?

Today I am talking  the things you can do with your saved coins. I am also sharing with you what happened at my yard sale this past weekend. Crazy  stuff. So join me and  on 
The Cheap Cheetah Money Show and let's talk Coins. 

                                  https://anchor.fm/cheapcheetahmoneyshow

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

Monday, June 10, 2019

Rules For Big $$

                                                Hello Family How Are You Today?


Your struggling with the question when is it alright to spend big money on something? Here is a simple rule of thumb to go by.
 
1 - Go very cheap (in price and quality) or go for high quality even if it requires paying for it


2 - Maintain a mix of cheap things and more expensive, higher quality things.

3 - When paying more for something of higher quality, STILL seek out the best deal

4 - Always analyze if a "cheap" item is worth the savings or if it's not worth it; also analyze the expensive, high quality things to see if you'll get your money's worth out of them.

If you have you own personal set of rules for spending big  money would love to hear them.

               
                    Have a Great Cheap Cheetah Day & Save that $$

Friday, June 7, 2019

Happy Friday

 Happy Friday Family..


Just want to say have a great weekend enjoy life, loves and don't spend to much money dong it!

Have a great Cheap Cheetah Week & Save that Money!

Sunday, June 2, 2019

Summertime Cheap

Hello Family How Are You Today?

Today we are talking Summertime Fun on the cheap right here on
 The Cheap Cheetah Money Show

Join me and Let's Talk Money!!!

Wednesday, May 29, 2019

Personal Note


Hello Family How Are You Today?


 On a personal note. You know that I am still doing the dollar a day challenges. Also I have been keeping records of my spending on stuff  daily with my calendar. I do a monthly total. Anyway this month has been spendy for me in that my addictions of playing the lottery and eating cake is costing me big time. For the month of May I spent over $100 playing lotto to win $30 back. In the sweets department I spent over $50 and what did it get me higher numbers in the diabetes department.
What I am saying with all of this is that addiction will cost you in the long run. Yes I am a cheapskate but when it comes to my addictions playing lotto and eating cake I am  Willie Big Spender!

I don't want this to happen to you what has happen to me. Putting money in a money pit that I will never see again. So here's what you gonna do. This includes me to. For the month of June  every time you want to spend money on your addiction don't!! Put that money in a safe place to use for say a vacation,  or to do something fun with it at a later date. You have to say no to addictions and yes to money!

You know that old saying if I knew then what I know now. Well now you know so let's work on fixing the problem and not adding to it. Me included.


                                              Have a Great Cheap Cheetah Day & Save that Money!

Sunday, May 26, 2019

Saving Money Memorial Day Weekend

Hello Family..

Just wanted to share with you some random thoughts and ways you can save money this holiday weekend. Right Here on the Cheap Cheetah Money Show

https://anchor.fm/cheapcheetahmoneyshow


                   Have A Great weekend & Cheap Cheetah Day all while saving that $$$




Thursday, May 23, 2019

Happy Weekend

                              Wishing My Family a Great , Safe & Fun Memorial Day Weekend.
                                     Go out spend a little bit of money and enjoy your life!
                   
                                                               Have a Great Cheap Cheetah Day!

Saturday, May 18, 2019

Tis The Season

Hello family The Season Is Here!!!


No, I am not talking Holiday Season I am talking Yard sale, Flea Market season. This is the season for us cheapskates, frugal people to celebrate all the cheap stuff that people have to offer. this is our holiday season  when it comes to buying stuff for the holidays, wedding, graduations and for ourselves. This is the season where we can find brand new stuff and like brand new for pennies on the dollar. Yes I am excited because this is my season and it should be yours to. So let's go out there and find stuff  with a budget of course and share them right here with me.  Also you can find great stuff to re-sale for a buck or two. So that you can start making  the money you spend on your yard sale items back.
Have a great cheap cheetah day & Save that $$$



How I feel about yard sale season

Wednesday, May 15, 2019

Then & Now

                                                      Hello Family how are you today?

Have you ever hear of that saying I wish I knew then what I know now? Well when it comes to being a frugal/cheapskate and life in general here are some of the things that I wish I knew then.

1.  When I was 18 and the housing market was cheap compared to today. I wish I knew to purchase a house in my neighborhood for around $100,00. That was a lot of money to me . But If I would have convinced my mother  to go half's with me we could have done it. Now housing are selling for $750,000-800,00

2.  Finish my college education. I was getting free money from the government to go to school and stupid me did not finish. I thought I knew it all at 20 and wanted to work instead . Dumb move I could have gotten a better job with higher pay if I had stayed in school.

3. I wished I had learned more from my grandfather who was super cheap and knew how to wheel and deal when it came to getting the best bang for his buck. Plus he knew how to buy stuff  super cheap to make money on.

4.  Not to take care of my so called boyfriends. they cost me a lot of money because I WAS YOUNG AND DUMB. I was buying them clothes, paying their car notes, rent, con ed bills, giving them spending money all in the name of so called love. You know how much money I could have had had I not been foolish.

5. To take advantage of opportunities that came my way when I was younger. Taking a  city test for city jobs were like $10 back in the day . When I started taking test it was $25 to take it the same test.

6.  When I worked two jobs for about 8 years I should  have banked my part-time jobs money and lived on my full-time jobs money. Since  my part-time job's money  was not needed  at the time.   Instead I spent  that money on god knows what.

7. I  wish I knew more about cars  back then because the car dealership saw me coming and ripped me off I paid $10,000 for a used car. Buying it brand new  back then would have cost me $12,000

8. Not spending time with the people who are no longer here because you knew that they would be around forever.

9.   A women I personally  knew  and trusted  urged me to buy her company stock it was selling back then for $11 a share and I worked for a brokerage firm so I could do it easily. Dumb me was to scared to do it. Now the stock is $104 a share.

10. To stay away from the junk food back   it cost me heath wise and money wise in the long run. . I am now  a diabetic and it costing me more money now for medications, doctors visit then the junk food I  purchased and ate back then.

                             That's my wish I knew then what I know now story what's yours?

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

Thursday, May 9, 2019

Discipline


Hello Family How Are You Today? 

  Discipline

 You see everyone else going, doing ,spending, You want to do that do but.. Ways to find  discipline when it come to saving money.
1.You have to find a motivation that will get you started. After a good start, you begin to thrive on it. After a while, frivolous spending will leave a bad taste in your mouth.

2.  Think about when you were just starting out and the money was tight. You had just enough to cover your basic living expenses if that. Now that your older and making a lot more money. Go back to the mindset of your  younger years when the money was tight and paying for the basic was all you could afford. The rest of the extra money you have put that toward your saving goals, retirement, new car, home, vacation, education, new business.

3. Fear to me is the best motivator and a good way to become discipline  with your saving. Do a what if in your mind, what if I lose my job, my medical insurance is cut off, I lose my home, have an unexpected emergency. Nothing makes you want to save money more then fear. 

4. Set your goals and don't let anything stand in your way. This is where your will  to save will give you the  mindset to move mountains in order to achieve the money goals you have set.

5. I think it helps to know why you buy stuff. It's important to differentiate between 'need' and 'want'. I have watched my friend end up almost homeless because life threw her a curve ball and she didn't expect it. Mind you she had 30 years of living rent free but did not save a dime of her working income or was not motivated to change her money life.  Think about a situation that you know of about a friend, co worker, family member who got caught out there money wise because they were not  disciplined  with their money. Don't you be that person.

 6. Like anything in live you have to put blinders on when it comes to your saving goals, You have to say Heck No I am not spending this money on this crap this money is going toward... Whatever you goals is.

With the economy in tatters it's a good idea to make a plan and commit to paying down your debt and saving money for your goals. 

                                                   Have a Great Cheap Cheetah day & Save that $$

Sunday, May 5, 2019

Mother Day Ideas

Hello Family How Are You Today?

Today  I am talking about great mother Day gifts that you can get on the cheap/frugal. Yes we love our Mom's Grannies and aunties but does that mean it has to cost a fortune to show that love. I say no?
Here are my Mother Days Gift Suggestions Right here on The Cheap Cheetah Money Show


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

Friday, May 3, 2019

Friday Funny

  Hello Family, How are you today?

 Just wanted to share a laugh with you Happy Friday 

Have a Great Cheap Cheetah Day & Save that Money!


Wednesday, May 1, 2019

Happy May





                                                          Hello Family, Happy May

                           Wishing you a safe and Happy May. Save that Money & Be happy 

                                                        Have A Great Cheap Cheetah Day!

Sunday, April 28, 2019

Side Hustle Talk


Hello Family  Today It's Side Hustle Talk. I want to share a great side hustle story with you right here at


Have a great Cheap Cheetah Day & Save that Money!

Saturday, April 27, 2019

It's Time!

   
                                                    Hello Family How's Are You Today? 

With May coming up I am excited and you should be to why you might ask? Because it's time to get out and mind the wealth as they say. Yard sale, garage sale, flea market  season is here and it's money making time for a cheapskate like me. I use this season for two things one is clearing out all my junk so that I can sell it in my  own yard sales. So  I can make money on it. I also go to yard sales to see what I can find  to give as holiday gifts  and to sell in my online store. I also  find stuff that I can use like this bagel toaster that I found last year for $3 at a yard sale. I love my toaster.




Did I mention with yard sales and flea markets you get a lot of exercise with all that bending and walking in the hot sun. It's beats a gym any day. So yea this is my months coming up with so much to see I will be in cheapskate heaven!

Have a great Cheap Cheetah Day & Save that Money!
  







Wednesday, April 24, 2019

Like This

               

                                                 Hello Family How Are You Today?

I find Penny Pinching Granny on YouTube and I like that she purchased 21 meals for $10. I wish I could do this but living in an expensive place like New York. I would have to waste to much  money on gas to even come close to spending that amount of money on food. But I like what she stands for and the things that she does on a fixed income. I am learning a few things from her videos.

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

Sunday, April 21, 2019

Motivation

Hey Family How Are You?


Today I am talking about books that Motivate us to Save.

https://anchor.fm/cheapcheetahmoneyshow


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