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Jemal umer

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Sk Raj

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Re: How To Save Money on Groceries

Briana ·
I've really started working on the first one here, Melanie! I used to go out and buy more food every time I was "bored" with what I already had in my fridge. Now I try to find fun ways to utilize the food I already have in my cabinets. Just last week, I forgot I had turkey burgers and fish still frozen (and perfectly good!) in my freezer.
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Re: Hello new members!

Nicole ·
Hi Nathan, Do you have any suggestions of apps or tools? So far, I keep accountable to my family & bank account. My situation is a little different.....I used to work in the financial industry actually. I'm a SAHM because I have a son with medical needs. Like most parents, I will spend any money it takes for my son to be healthy & happy. So our lives detour but we were still able to get lots of trips in last year as well as the unexpected 3 weeks hospital stay without incurring any...
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Re: How To Save Money on Groceries

Nicole ·
Meal planning is key for me. I do 1 'big' grocery shop a month for the basics & meat. Then weekly I buy milk & produce that we need as well as use any 'free product coupons' that I come across.
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Re: How To Save Money on Groceries

Kirsten Cherry ·
I love doing number one because it challenges me and usually turns out better than expected! I had no idea number two was even an option. Thanks for the idea! I try my best to meal plan regularly, but usually end up buying the basics to turn into different meals: proteins, fats, fruits & veggies, and grains. Sometimes it’s hard for me to balance a budget and a healthy diet but I think I’m getting better week by week.
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Re: How To Save Money on Groceries

Men On A Budget ·
The "average" household should not exceed 10% of take-home income for food. The issue that I have, with my wife and I on retirement income, is that we do not have the average income those cited financial experts are talking about. We are literally only a few dollars above the thresh holds for receiving many of the governmental benefits that would allow us more budget boosters. The good news is that we have more time than money that we can use to get to our target, allowing us to have more by...
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Re: How To Save Money on Groceries

Men On A Budget ·
Couponing is just such a waste of time, right? I have a single female friend with multiple stores in her area wondering if she can hit a $3,000 total of savings from her local Stop & Shop by end of year. Not a bad part time "gig" in my opinion for a few hours of time here and there. ((Note: I have seen untouched photos from the same store chain in excess of $20k for a lady with a family very active with donating to charities)). I'm not as cuckoo for coupons but my wife and I do pretty...
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Re: How To Save Money on Groceries

Men On A Budget ·
Another awesome way to save on groceries is by using the various "match up" web sites out there. Web sites like www.howtoshopforfree.net, www.krazycouponlady.com and www.livingrichwithcoupons.com all have individual store tabs that will show readers what items are on sale at stores that they cover AND point consumers to printable or online coupons, store promotions, rebate offers, gas perks for the craziest final price deals. If you're a fan of getting the best bang for the buck (literally)...
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Re: How *I* Shop For Free

Men On A Budget ·
From a "Good Morning, America" segment, this video from you tube, titled "Mom Feeds Family On $4 A Week" is evidence of Kathy Spencer's savvy shopping skill in how she shops for free. You would think that the Christian Children's Fund would be calling Kathy for advice on how they can reduce their 30 cents a day claims to only feed one child. https://www.youtube.com/watch?v=vbbW6WpXWjw
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Re: How I Live On 50% Of My Net Income

Men On A Budget ·
Awesome journey! Thanks so much for sharing it with us.
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Re: How To Save Money on Groceries

Men On A Budget ·
Here's an article from Penny Hoarder (November) with 32 Things Most of Us Don't Do at the Grocery Store That Could Save Us $100 or More... It's title is "32 Things Most of Us Don't Do at the Grocery Store That Could Save Us $100 or More" ((glad I know how to copy and paste ... LOL)) https://www.thepennyhoarder.co...eries/groceries-100/
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Re: How To Save Money on Groceries

Wen Dee ·
I save 75% or more shopping using coupons, bogo deals , discount meat/bakery deals and Ibotta. I rarely pay full price for any grocery/household items. Many items I get is FREE. https://www.facebook.com/Coupons4newbies/ (my website). I shop once a month for meats and main items we need, then weekly for milk/cheese/fruits/produce.
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Re: What are some really effective ways to boost a credit score?

Deven ·
If you can afford to, all at once ! It stops the bleeding immediately. By bleeding, I mean all the interest that's tacked on each month. If you can't do it all at once, definitely cut off the highest interest one first, by paying the minimum payment required on the lower interest rates and throwing the excess on the highest interest one. Once you've reached zero balance on a card, just leave it at $0. You don't need to use it and you definitely shouldn't close it because closing that account...
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Re: Giving up cable -- what's the best replacement option?

Ken Lyons ·
DirectTV Now is an awesome alternative. Recently, they featured a deal where if you prepaid for six months, you received a free Apple TV 4k. The plans are very simple to understand. The streaming works well, but you may have to upgrade your internet speed. https://www.directvnow.com
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Re: Giving up cable -- what's the best replacement option?

Theodora ·
@Alexis Grant In the same boat! I've been looking at Sling TV - going to give it a whirl in Jan! They have upgrade packages for sports and also a cloud DVR option!
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Re: Giving up cable -- what's the best replacement option?

Khiemosabi ·
I cut cable out about 5 - 6 years ago and never looked back. My favorite service is Netflix and with its current run of original content, it provides a ton of entertainment for roughly $11 a month. In addition, I share a spotify account with my girlfriend and because she's a student, we get access to Hulu. That is $5 a month. Lastly, I rounded my it all out with amazon prime video, which is $119 a year or $10 a month. My total entertainment cost is $26 a month which is far below any cable...
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Re: Giving up cable -- what's the best replacement option?

Men On A Budget ·
Hi.. Welcome to the Community! My wife and I have reduced our cable "bundle" from the bill-us-all-you-can package down to internet only, from around $180 per month down to $55 (including home phone VOIP service) with zero regrets and less than zero loss of quality programming because we now have more options... what to watch and when to watch is completely up to us. That $125 of savings has found much better uses elsewhere in our budget. First of all, I cannot thank you enough for the...
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Re: Giving up cable -- what's the best replacement option?

Men On A Budget ·
Alexis : I am researching the options that you have for Soccer (UK) in order to provide you with a more concise response to your specific needs. Can you tell me what channels you are currently accessing that give your husband the games that he's most interested in? I don't want to research three hundred UK based cable subscription channels in an effort to reinvent the wheel when you two already have the answers that I need to save us both time and trouble. /rayt
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Re: Giving up cable -- what's the best replacement option?

Bonnie Squires ·
We dumped cable 4 years ago when we moved. Now we pay for amazon prime $5 a month hulu $12 and netflix free because 1 of our kids have it plus wwe for hubby $10 than our internet $30 a month. So $55 a month. Sling isn't to bad Husband didn't like it. There all so pluto i think is the name and its free. youtube has free movies that you can watch to. I can't think of any others but if i do I'll let you know
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Re: Giving up cable -- what's the best replacement option?

Alexis Grant ·
Update: Sharing this here gave me a kick to do something about it! The channel we need -- and pretty much the ONLY channel we need -- is NBCSN, NBC Sports Network. I did some research last week and it looked like Hulu offered it, so I signed up for a free trial... but then couldn't find the channel, and a chat with customer service helped me figure out the channel isn't available through Hulu in my area. Going to try a new alternative this week!
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Re: Giving up cable -- what's the best replacement option?

Drumtrip ·
@Alexis Grant I use YoutubeTV, Hulu, and Netflix for about $60 a month. YoutubeTV has NBCSN its GREAT, so glad to be off cable. Works on everything except Amazon Firestick. Frontier also has $40/mon internet for 2 years going on now so my whole bill is around $100
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Re: What are some really effective ways to boost a credit score?

Drumtrip ·
@Briana It is a balance, you want to keep your credit utilization low, you don't want to have too much credit, and you don't want to have too little If you have too much then closing an account is fine, just don't close the oldest one, that is actually a factor in calculating your score (at least in the older models). I suggest using something like creditwise from Capital One, its free, you don't have to have an account with them and it gives you tips!
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Re: Giving up cable -- what's the best replacement option?

Fru-Gal ·
Hi Alexis—We are also in the process of ditching cable. I’m a bit of a researcher when it comes to these things so I’m happy to share a little bit of what I’ve learned so far... 1. If you have more than one TV in your house, you need a plan for each TV, depending on how you use it and it’s age. For example, we have a smart TV in the main living area and a “not smart” TV in the bedroom. We’ll probably go with an HD antenna for network channels (news, etc) plus a streaming box (Roku) with a...
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Re: Budgeting for 2019!

Nicole ·
We live on a strict budget but do use the credit cards for everything to get the cash back bonus each December. I have had to create a new budget column (Last August) for hospital parking for when we can't get the free parking on the street. I make a grocery list each month to do our big monthly shop & stick to the dollar amount, there are no extras, milk & produce is bought weekly after that with the remainder. The credit card is paid off in full each month. With the credit cards...
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Re: High-interest savings accounts

Moore Income ·
Thanks for sharing this one. I am always on the lookout for out for high interest savings accounts. The space is getting pretty competitive so I think we will be seeing higher and higher interest accounts in the near future. I am excited about Robinhood as they just announced they will soon be launching a 3% savings account which I will most definitely be taking advantage of once it launches.
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Re: Giving up cable -- what's the best replacement option?

BGriff ·
If you're a little tech savy, you can build an UNRAID media server out of an old PC. Then join a Usenet service for $10-20/month. Setup PlexServer and Sonar(simple through the UNRAID Docker service) on the media server and download the TV programs that you want to watch from Usenet via Sonar. There are many video tutorials on YouTube on how to do this. If you are a TV junkie and watch many programs daily this might not work well for you, but if you only like a few shows a week or like to...
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Re: High-interest savings accounts

Adam ·
I recently opened a savings account with Ally. It had the highest APY that I saw at the time. It's been good so far. They allow for plenty of transfers per statement and partner with Zelle for immediate transfers. That being said, hearing about 2.4% and 3% APY is changing my mind lol
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Re: Giving up cable -- what's the best replacement option?

William Bailey ·
Does Hulu provide the Fox Sports channels (FS1 and FS2 I believe)? It's for fox what NBC Sports is to NBC, and CBS Sports is to CBS. If I'm not mistaken there's a BRITBox streaming service available in the US now. I assume that even if you are subscribed to Hulu you can still pay the minimal subscription fee for BRITBox if it's available as a separate add on service for ROKU, not necessarily for Hulu itself. I don't know if the FOX sports services are free or not, but CBS in monetizing the...
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Re: Hello new members!

Nathan Taylor ·
Re: Hello new members!
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Re: How Do You Do Your Taxes? Yourself or Someone Else?

Lisa Eichinger ·
Sorry. @Moore income: turbo tax and H&R block are still good places to do taxes on your own cause they will walk you through everything online. It will generally be up to you if you want to pay to get them done and how much you are willing to pay. Credit Karma also offers free tax filing if you have an account with them. Even with the changes in your life in the past year, it won't make things too difficult in the tax aspect if you decide to do them online by yourself.
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Re: High-interest savings accounts

AverageJoe ·
Ally used to carry the payments on our Nissan Sentra before my wife was rear ended and nearly killed back in December of 2015. We dealt with them for 2 1/2 years, and they were very easy to deal with. We've considered putting our money in the "high" interest savings accounts, but, like you, haven't quite pulled that trigger yet. We've got a friend who is making more by putting his money into back taxes on small properties. He's getting on average of 6-8% a year on his money compared to...
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Re: How To Save Money on Groceries

Moore Income ·
Good points. Also, another thing I have had to realize is that when there is a "3 for $9" sale, etc, a lot of times the price per item is $3 each for the sale and you don't have to purchase all 3 to get the deal unless specifically stated. Knowing this has saved me from spending extra money to get more than I actually need of something.
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Re: Grocery Store Unit Price Codes

jenakle ·
LOL I don't typically buy my olive oil by the gallon! But yes I do try to use the per ounce as a guide when comparison shopping. The hardest for me is toilet paper...double vs triple play, how many sheets am I really getting/how long will this actually last if it's thinner than what we usually buy, etc.
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Re: Cutting the Cable Cord - how to save $ and cobble together the right streaming services

jenakle ·
The best thing about streaming sites is the ability to switch or cancel with a button click. We typically hop between services depending on the season. HBO for GoT, Philio for Walking Dead and Doctor Who, currently using Starz for Outlander and American Gods. Hulu and Netflix rotate in and out too, but my son grabbed a great student deal for Hulu and Spotify so we share that one with him. With a $55.75 internet only from CenturyLink and a couple of streaming sites we are still under any...
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Re: Save Money on Travel

LaKisha Dillingham ·
Hopper (App) and Google Flights allow you to monitor the price of airfare for your destination and recommend when the ideal time is for you to purchase tickets.
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Re: Grocery Store Unit Price Codes

Savvy Susie ·
The best toilet paper advice I ever got was buy Scott's. Not only does it have a very low cost per unit--especially when you buy the biggest bag you can find, like at Costco--it also reliably degrades. Scott's, Hellmann's/Best Foods and Tide Pods are my go-to brands that I collect coupons, look for sales and buy in large quantities as long as the published costs per unit make sense.
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Re: How To Save Money on Groceries

Former Member ·
Two things that have helped keep my grocery bill down lately: 1. I do only slight variations on breakfast and lunch items I take to work, so that I'm not starting from scratch every time I meal prep. For instance, changing the seasoning I use on chicken makes the salad I take every day taste different from batch to batch; or sometimes I might add cheese, or another veggie, or something but not have to reinvent the salad wheel. 2. Man, my boyfriend took me to Aldi. What a game changer.
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Re: How To Save Money on Groceries

Sully ·
I love Aldi I save a lot of money on canned veggies, produce and milk. The only meat I have tried is pork chops and country style ribs and both were great .
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Re: Cutting the Cable Cord - how to save $ and cobble together the right streaming services

de1 ·
I will have to check these sites out, just got a new place and would love not to spend tons of money on cable... if anyone has more recommendations I'd love to hear!
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Re: How To Save Money on Groceries

Former Member ·
I can vouch for the chicken, too! I was impressed with the produce I got for about half the price of the grocery store I had been going to.
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Re: Cutting the Cable Cord - how to save $ and cobble together the right streaming services

Isabel ·
I looked into Cobblecord, and although a good service, it didn't tell me anything I didn't already know. I cut the cord a couple years ago and save about $150 a month of cable. I find that I'm good with an HD antenna, Netflix and Sling, while streaming Fox News on Youtube gives me most of what I want to watch. Sling $25.00 and Netflix $9.00. If I want to watch HBO or Showtime on any given month, I sign up via Amazon Prime and you can cancel at the click of a button (which also has movies) or...
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Re: Travel Insurance

Drumtrip ·
@Dancas when I went to Grand Cayman I used https://www.tinleg.com/ because we were worried about hurricanes Instead, we got routed to Charlotte and had to stay overnight due to weather. They were awesome! they covered hotel, food, and rental car! Well worth it.
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Re: Travel Insurance

Dancas ·
Hi Dereks. Thank you for this info. I'l look into this.
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Re: Grocery Store Unit Price Codes

Gee ·
Hi Savvy Susie: Scott’s for me, too, but my wife prefers Sam’s Members Mark. So we have 2 bathrooms and it’s not a problem. 😉. I also love Hellman’s but you should try Duke’s and Blue Plate. They are very good, too. I’m in Florida so Publix rotates all 3 brands on their BOGOs, plus they take manufacturers’ coupons on top of the BOGO. How lucky is that! Concerning unit pricing: I always check that, never assuming the larger quantity is better priced. I may only save .000057¢ per each, but...
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Re: Cutting the Cable Cord - how to save $ and cobble together the right streaming services

Lisa A Bean ·
Just do Hulu for $7.99 a month less stress budget ur pocket..cable is pretty much out. Nextflix Hulu ,etc are taking over
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Re: Cutting the Cable Cord - how to save $ and cobble together the right streaming services

Michele Bain ·
How do I get to the article to read it ? When I click on it , it just takes me to the comments. Thanks
 
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