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Save Money on Groceries-How to use a Value Card

As many of you may know, I started on a quest to dramatically lower my grocery bills in the latter half of 2012. Thanks to my good pal, Mr. CBB and the Grocery Game Challenge, I have been able to lower my grocery budget from between $500-$600/month to $350/month. The main reason is because I really make an effort to track my purchases. By knowing that I will post them for the world to see, it makes me think twice before I buy a cart full of donuts and deli fried chicken. That being said, I don’t spend tons of time thinking about groceries. One of the best and easiest tools to help cut grocery spending is to use store value cards. I assumed everyone knew about value cards and how they worked, but apparently they may not offer these everywhere. To unlock the mystery of the value card for those who are unfamiliar and to make sure those of you with value cards are using them to their fullest capacity, I’ll share my tips.

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No Spending Challenge-No Buying Clothes in 2013

The average American household spends about $2000 on clothes annually. I’ve certainly cut back in the last few years, but I’ve never gone 12 months without buying some article of clothing. Since I’m working less now and trying to save more, it’s the perfect time for me to take a no spending challenge. I am not going to buy any clothes or shoes for myself in 2013. How Can You Not Buy Clothes? Its very simple. If you don’t want to spend money on clothes, stay out of your favorite stores. It’s almost impossible to get through a whole twelve months without buying clothing for my daughter,who grows faster than Taylor Swift goes through boyfriends. I can choose to buy her clothes from stores that won’t tempt me. They don’t sell tons of things I’d be interested in at Children’s Place. I can also order things for her online. She doesn’t have to turn around in front of the mirror and make sure that pants don’t make her butt look big before buying. I can go through my closet and drawers. If you are like me, you probably wear the same 5-10 items in rotation. Things get pushed to the ...

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My Child Needs Glasses, Now What?

After being an optometrist for almost fourteen years, I’ve examined hundreds of children who needed glasses, and I’ve seen many different reactions from children and parents alike. I also was a child who wore glasses. From my experience, I’ll share when to worry, when to let things slide, when to think about contacts, and maybe how to save yourself a little money along the way. It’s easy to go to the doctor and be diagnosed with less than perfect vision, but if your child needs glasses, what do you do next?

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Improve Your Attitude: Turn Negatives Into Positives

Have you ever known people who go through life in a bad mood? At my house, we sometimes call them Eeyores after the eternally pessimistic character in the Winnie the Pooh series. The funny thing about people who have a continuously negative attitude is that bad things seem to happen to them. They are the ones  that have their restaurant orders mixed up or lost. They seem to miss out on all the good deals by a day or always have their bills overcharged. They are continuously on the phone to fix an oversight. There is always a story about someone doing them wrong,  a never ending stream of things to complain about. Is their situation really that bad or is that all they are able to see? While there are truly awful things that can happen, if you can find a way to make something positive out of a bad situation, it makes a big difference in your quality of life. How can you turn negatives into positives? It’s easier than you think. Look at the Worst Case Scenario This might seem counterintuitive, but I’ve found that when you are staring at something that seems insurmountable, look at all ...

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5 Reasons Why Consumers Can’t Get Out of Debt

This is a guest post. If you are interested in guest posting, please read my policy and contact me. It is not unusual for a consumer to run into money issues. If a person attempts to get out of debt, he or she generally face many obstacles, not least themselves. Identifying the real reasons behind the failure can aid in reaching the goal of healthy financing, which is exactly what this post is all about. 1. Lack of a Budget When you cannot break out of accumulating debt, it may be due to the lack of a budget. A budget allows you to limit the amount of money that is available for spending on a weekly or monthly basis. The budget plan may be for an individual; if this is not the case, a family may create an overall budget to keep spending under control and make sure there’s enough in the kitty to cover essential bills. It is a very good idea to leave the budget plan in a prominent place at home as this may help you to resist the urge to spend money you don’t have.

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