Redux & Reduction of Clutter, Debt and Weight
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by moi  January 15, 2017 11:38 pm

A new year is a time for new beginnings.  It’s time to get moving and time to start again.  I guess that’s what we all do.  I don’t do resolutions, I make assessments and see where I can improve.

Let’s get ‘er done!

I can’t believe it’s been almost a full year since I’ve posted.  I have fallen off all the bandwagons and I’m not happy about it.  I’ve moved, I’ve opened new accounts, I’ve started a side hustle or two.  I’m keeping track of things.  I’m shining my sink!  There are lots of things I need to do to get on track with my goals.

The long and short of this post?  Let’s get ‘er done!

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Over the next few days I plan to set up some goals here and then make a plan to get there.  I’ll challenge and push myself and perhaps some of you will join in.  The first challenge I am going to set up is a no spend month which will happen in February.  It’s the shortest month and hopefully be the easiest to do.

Are you ready to reboot?  I know we’re already into the month and year but that doesn’t matter.  Pick yourself up and put one foot in front of the other.  Let’s go!

 

by moi  April 27, 2016 8:56 am

Falling all all the bandwagons kinda sucks.  Well maybe not all of them.  Once you’ve figured out that you’ve fallen you need to pick yourself up, dust off, reassess and jump back.   I mean it really IS that simple right?

 

It should be that simple, so why isn’t it?  I think it’s because you thought you were going along for a while and then all the sudden everything you were doing somehow isn’t working.  Maybe it’s because what you were doing was no longer effective.  Maybe what you were doing out lived it’s purpose.  Maybe you’ve plateaued and it’s time to shift gears.  Maybe you just don’t kn ow.  I think I just don’t know what to do anymore.

 

I am starting to feel like I’m swimming in thick fluid and not moving.  I know I am moving but it doesn’t feel like it.  I think I’ll spend the next few entries reassessing things and see where I am.  It’s that simple, right?

by moi  July 25, 2014 9:37 pm

Most people know what coupons are and how to use them. Some people are extreme couponers but this is not what this article is all about. This is saving up some cash on shopping so that you can use it how you choose be it your next shopping trip, paying off debt or building up savings. I’ve come across two smart phone apps that will allow you to save money on grocery items. One is called Checkout 51 and the other is Ibotta.

Let me talk about the similarities on these apps before I talk about the differences. Each allow for a cash amount off on items just like using a coupon except it doesn’t come off your bill, it pools in your account, within each app. The items change weekly and/or monthly. Some items are generic like 25 cents off on produce and other items are very specific like Glade Air Freshener. Each app will ask for a copy of your receipt via your phone camera and you tell it which offers you are taking. Generally within minutes it will accept your receipt and tell you how much you’ve earned in your account. When you have acquired a certain amount in your app account, you can ask for your cash.

Checkout 51 seems to have a pool of money to give away each week. It updates its offers once a week with the changing of the grocery circulars midweek. When all the money for an offer is used per week it will no longer be available. It is better to shop sooner than later with this app. To claim your offer, you take a picture of your receipt through the app and then star the offers you’ve qualified for and submit. I usually save 25 cents a week on bananas and have been submitted for a drawing for spending over $60 in a shopping trip. When you have saved up $20.00 you will be sent a check.

Ibotta is equally easy but designed a little differently. First Ibotta is not just for grocery shopping however I use it primarily for my groceries. With Ibotta you have to unlock the offers by watching short videos (less than 60 seconds), answer questions about the product or demographic questions. Once unlocked your offers are available for use. The app has a scanner so you can scan the barcode to make sure you are getting the right product for the offer. You will need to scan in all the items that are on a single receipt and then scan in the receipt.

Ibotta has bonuses.  Cool bonuses.  Redeem something on a given day, there might be an extra bonus of $1.  There might be a manufacturer bonus if you redeem multiple offers in a month from that manufacturer and get an extra $3.  There might be a themed bonus for a holiday or season.  The best bonus of all is the Teamwork bonus.  You can build a team, friends from Facebook or by using my link, and when your friends redeem offers and you redeem offers and make it to a certain amount (different each month) you can receive an additional bonus.

Full disclosure, if you use my link, sign up and redeem $2 in offers in the first 30 days, I will also get a bonus of $2.  You will get your own link and feel free to send it to others.

 

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