Rolled It

                                                     Hello, My Cheap Cheetah Family

I rolled it this weekend. Meaning my coins, I came out with 30 bucks. Which is pretty good for me. Don't sleep on coins. Once you start collecting them you get hooked. Now with your coins you can pay a bill a small one that is. Buy some food, put toward your emergency fund or better yet you can invest the money into an individual stock like I did. I invested in Kellogg's stock for about $25.  I told myself every time I have saved coins that's where the money was going.  So that way I can invest a small amount and maybe make a profit on it.

I also started to think about taking the $30 in coins and trying to turn that into $500. By finding cheap or free stuff and selling it online. But with inflation and people not buying like they used to. Selling items on eBay and other marketplaces was not an option for me. Besides the fees from those places would eat up my profits pretty quickly.

But the main point is don't sleep on coins because that's money. That can come in handy when you need it. Like I always say every penny counts and it really does.

                                              Have a Great Cheap Cheetah Day!

Foolish Me

                                                                       Hello Family

 How are you today? Me I am very foolish and here is why. I live in New York which you know is expensive to begin with. But the medical bills that I get are crazy. The basic living Bills I get are crazy. My energy bill went up $50 bucks. Also, my property taxes went up a couple hundred for the year. I am foolish because I am a cheapskate and no matter how much I try to save. I save with one hand, but it gets taken with expenses with the other hand. Has that happened to you? I am sorry to say living in certain cities makes it hard to be a frugal cheapskate.

I am sorry if I am complaining I am not it's just that living in an expensive city you have to put more effort in being a frugal/cheapskate. I have notice that when I get the coupons off the internet say for Walgreens after I have used them 2-3 times. They stop sending then to me. What do they have a limit of the number of coupons you can use in their store? 

So, my family of frugal/cheapskate do you also find it hard to save money where you live?

                                                   Have a Great Cheap Cheetah Day

Car Loans

Hello Family

Just wanted to share with you something that I found out today. I have a car loan that was costing me $475 a month. I know that's a lot of money per month for a used car at that. But I needed a car and right after Covid-19 I started looking for one. I found new cars were scarce and used cars were selling for the price of a new ones. Anyway, I needed a car and I wanted to pay cash, but the car dealership convinced me to take a loan and I would get $3,000 off the purchase price if I took a loan. I know foolish of me. Anyway, I called the loan company today to pay off the car loan. The bank that I got the loan from told me that they were charging me $3.95 a day in interest. Which adds up to $90 a month. No wonder my car loan never went down from all those months that I was paying on it.

I told the loan rep that I don't even get that kind of interest on my regular saving accounts. Having a loan of any kind is crazy. If you have a loan and can pay it off, you are not only saving on all the interest you would be paying. You will get a piece of mind knowing that you can use that money to save or purchase things that are really need. The last time I purchased a car was 30 years ago and it cost me $12,000 used and I paid

Beware of the loans you are signing and if you can try and save up and pay cash it's cheaper in the long run.

                                                Have a Great Cheap Cheetah Day 

Happy Feburary

                                                            Hello, My Cheap Cheetah Family

Happy February so the goal of this short month for me anyway is to stop giving lotto all my money. I told you last year I spent over $1500 in playing that game taking a chance to win very little. Also, since I live in New York we are not big on coupons meaning we don't get them like other states. So coupon hunting is out for me. But I am doing surveys again to see if I can get some gift cards to use to buy food with.

I know this might be a lot to take on but if you get New York Bills like I do then I should have slipped back into my cheap cheetah ways a long time ago.

 So how are you saving making money for February?

                                                   Have a Great Cheap Cheetah Day!