Skip to main content

Plan to Save

Looking through my drafts, this was a blog post I wrote back in 2009 but never published. Funny how in just three short years, things have stayed remarkably the same.

Okay, so the economy looks pretty darned bleak. Providing you haven't lost your job (and even if you have), you're still feeling a bit of a pinch - even if you do have all of your ducks in a row financially. Everyone (no matter how much they have in their bank accounts) have had to make a few adjustments. I think those of us who tend to live paycheck to paycheck have to make the most tweaks.

Do an Internet search for frugal blogs and you will find a lot of good advice. (Be sure to sneak a peek at my blog roll to find a few of my favorites). But here is my tidbit:


I realize this sounds very...strange. But the fact is, if you plan all of your purchases, you will save money. And Rule # 1 of saving money is don't spend any!

A couple of months ago, I started taking my own advice. I would only go grocery shopping once a week (it used to be every two weeks until The Man Beast switched jobs and started getting paid weekly). Once a week. That's it. Lately, I've been grocery shopping on Saturday afternoons. I do a full week's worth of shopping - usually at one store, sometimes at more than one if the deals are really sweet (lately, they really haven't been).

What if you forget something? What if you run out of something?

If I forget something - of course I go back out. But since I've been shopping by a list and keeping to the list, I rarely forget something - unless it didn't make it to the list in the first place. If it's something that's imperative to a meal, I'll see if a substitution can be made. If it can, I'll use it. If it cannot, I'll have to go out and get the missing item.

However, if the missing item is something 'extra' that isn't necessary for any of the meals that are planned for that week, we go without. We also go without if we run out of something.

I'll give you an example. I have a dish washer - two actually, if you count The Boy. The Boy and I share kitchen duty. (Lately, he's been doing all kitchen duty in an effort to raise spending money for his trip to Orlando with his class in May). Since The Boy spends the most time cleaning the kitchen, it's his responsibility to tell me if we run out of something.

Last week, The Boy forgot to tell me we were running low on dish washer detergent; halfway through the week he ran out. He told me, but I didn't do anything about it. I told him that I was only going to the store once a week and I meant it. For the rest of the week, he was 'forced' to do the dishes by hand. He's still alive and even brushed up on his dish washing skills in the process.

I plan my other purchases, too.

We have a local store that gives discounts to members under the age of 49 on Fridays. The kids are going to need a few things for Spring - shorts, t-shirts, and sandals. I could go out and buy them right now. Instead, I'm choosing to wait until Fridays to go and look around. If I stack a sweet sale on top of my 20% discount, I'll save a good chunk of change. However, if I were to go out right now and go to the nearest store to buy these items, I might not save as much as I could have.

Why? Because convenience costs money.

I am convinced the reason we reach for convenience - stores, foods, etc - is because we fail to take that little bit of time to plan.

Believe me, I've had really great weeks when I have some cash left in the checking account after I've taken the time to plan. I've also had weeks where I haven't planned as well as I should have and I end up scraping the bottom of the barrel by the time The Man Beast gets paid again.

I urge you all - plan, plan, plan! I certainly don't claim to have it all together (most of my blog roll peeps have it together. This is why I am soo not perfect).

Tomorrow, I'll share some of the tools I use to plan and manage my money.

Until next time...


Popular posts from this blog

Life as a Paraprofessional vs Life as a Teacher: Part 1

hyena reality Eventually, I will write a lovely end-of-the-year post (probably entitled something original like: "What I Learned as a First-Year Teacher"), but this morning, I want to write about something a little bit different. The differences between  my life as a paraprofessional (teacher assistant)  and my life as a teacher . I'm sure many of you are aware that I began my life as an educator, not in the classroom, but in a lunchroom. After I had home schooled The Boy and Baby Girl for a couple of years, it became apparent that it wasn't working out any more and some changes needed to be made in our family. So, on that fateful day in November, I dropped both of the kiddos off at the Little Elementary School Around the Corner, The Boy, a 4th grader and Baby Girl, a 1st grader, while I headed off to work in the school cafeteria.  As a substitute cafeteria worker, filling in for the ladies who had to be out for whatever reason at various schools around

One of a Million New Year's post

Look around and you'll see that most everyone is posting some type of New Year's blog post this week. Check your blog rolls (or mine) for proof. I've looked at A Year in Review blogs, the best of the best blogs, most read posts blogs and my favorite: the new year resolutions (solutions, challenges, etc). Call me crazy, but I love these type of blog posts the best. Why? Because while most of us never keep our resolutions longer than a few hours days weeks months, there is something magical about the New Year. It is a chance to change whatever it is that was messed up for you during the previous year. Common resolutions include: 1. Stop smoking 2. Lose weight 3. Get organized 4. Save more 5. Spend less 6. Get to the project that is sitting in the basket, closet, or garage 7. Spend more time with family Did I hit them all? These are on most people's lists. (By the way, stay tuned for the end of this post for links to sites that can actually attempt to acc

Life as a Paraprofessional vs. Life as a Teacher: Part 3

This is the third part to a 3-part series chronicling my take on the differences between a job as a paraprofessional and a job as a teacher. (View Part 1 here and Part 2 here .) Let me preface this list by saying that I believe that paras and teachers have the potential to equally rock the education world. They can love and nurture students in a way that only an educator can. They can help students become great. That said - there are some definite differences between paraprofessionals and teachers. This list is not to say one is better than the other. Rather this is meant as a tongue-in-cheek comparison of how I perceive the differences of a paraprofessional's job and a teacher's job. (And any teacher who has worked as a para or vice versa should be able to relate to my list.) Paraprofessionals Vs Teachers Calendar Reduction Days – “Yay! I get another day off. Yeah, it kind of stinks that it’s a Calendar Reduction Day, but hey – a day of