Write it ALL out.
Use the free forms on daveramsey.com or on davidbach.com or on moneyclubs. I’ve gotten incredible info from those sites for free-you don’t have to buy their books to gain from their sites. Also, listen to the radio show archives of dave ramsey on his site (also for free). Write out how much you owe & to who. Trust me-the grocery bill is not your only problem. None of us got here just because we spent too much on food!
Cut back your budget to the bone, sell things you don’t need, including your cars if you’re spending too much for them. And do eat ‘beans & rice’ until you get this under control.
About the grocery bill itself, on the one hand I agree with that:
use house brands, buy real food-the less processed the less it costs. On the other hand, the smartspending yahoo groups have worked out ways to increase your savings by using a combination of sales and coupons to make some of your purchases nearly free. Faye also advises using a list, not be hungry, etc. But if Perdue chicken breasts are on sale at your grocery for $2.59/lb. and you have a coupon for $1.50 off on any Perdue chicken, well I believe anyone would say that is a good buy! Admittedly, you can pass up on the ‘junk food’ coupons.
Start reducing your debt TODAY! Keep track of every penny you save & send to pay more off your debts-speaking of pennies, even roll your change you find around the house, & use that!
We’re walking this road with you!
I appreciate your advice. I will have to go to those websites you talked about.
Thank you, I am a vegetarian so I end up spending more money on food it seems.
I am really trying to start collecting coupons again! Ebay sells coupons…example of 100 coupons for around 1.50. Have you ever used Ebay?
I wouldn’t buy coupons-just look in your local newspaper, and go on the websites of your favorite food companies and sign up for mailing list, coupons, etc. If a favorite of yours is Earthbound Farm Organic, look/ask in your produce dept. for a flyer there with a $1 off coupon combined with a sale this week. As a vegetarian (which I also was for 6 years), let your meal plan cneter around combos of beans, brown rice, dairy if you eat it, etc. These are CHEAP protein sources. Avoid the processed ‘tourkey’ type of products except when you combine coupon plus sale. Organize your menu for minimal loss due to spoilage, etc.
Have a great day-it will get brighter as you go!
i agree.. don’t buy coupons 🙂 For us…. the Houston paper is only $1 and has the most coupons where as the local paper has few… and it’s also $1… I get a list ahead of time so i know what coupons are expected out so i know if i should be 2 or 3 papers or whatnot…
You can also print coupons if the stores you shop at take them.
Try http://www.cafemom.com/ – they send me a lot of coupons in my email right from the manufacturer. I am not even a mom but I like to save money.
Another tip is to keep an eye out for test drives and do surveys online…
I’ve earned extra money from surveys.. some send cash, some send it in form of gift cards… this month so far i have made $39. It’s nota lot and its $5 here and $10 there but it helps. Also i did 2 test drives this month….
one was for a $25 starbucks gift card (for hubby when he wants his coffee fixes ) and $50 eddie bauer gift card and i didn’t have to do an actual test drive either LOL And mail in rebates help too if you find them for items you normally buy….. AND this month i just finished a 3 week product test on 3 pairs of undies…. i got 3 free pairs of underwear and i’ll get paid $15 for giving my opinions on them.
Hope this helps some. if anyone wants a list of survey sites that are free let me know and i’ll get a list ready…