Archive for the Economy

What is “Good Money”?

photo credit: TheTruthAbout… Have you ever wondered what “good” money is? Is there a such thing as “bad” money? I don’t think so.  I hear the term all the time, in various instances.  “He must make good money.” I’ve never heard someone say “He must make bad money.”  Unless it was someone talking about a poorly made counterfeit bill. 😉 It makes me wonder exactly what people view as “good” money.  I like to think I make a decent salary, but I don’t know if I’d consider it good money.  It pays the bills, and I have enough that I can pay down debt and focus on saving money at the same time. I know that there are wide salary ranges depending on the certain career path and location.  For example, a customer service representative in Milwaukee, Wisconsin may make $12 an hour, while a doctor there makes $100 an hour.  In California, the customer service representative may make $20 an hour and the doctor makes $200. I’m a firm believer in it’s not how much you make, it’s what […]

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How Do You Shop- Online or Locally?

photo credit: gagilas The other day I went to one of our local health foods stores in search of some jojoba oil for my hair and skin. I found it and when I realized it was $14.99 for 4 ounces, my eyes bugged out, I put it back on the shelf and decided I would look for it elsewhere. I came home, looked for it on and found 4 ounces of organic jojoba oil for around $6. With shipping, it came to around $11, and I thought about it for a minute.  I didn’t end up ordering it. It’s a few dollars cheaper online, but I felt bad ordering it from a stranger online versus supporting my local health foods store.  I love the atmosphere (even though it’s pretty small and expensive), the people, and I would hate to see them go out of business.  I felt bad that I didn’t buy it in the store! I’m a big believer in supporting local businesses whenever possible.  My husband works for an independent restaurant in the city, and we try […]

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Helping Haiti $1 at a Time

I’m going to be really brave here, and going to do something maybe a little crazy. I’m going to donate $1 to the Haiti relief efforts for each new subscriber and comment made on this post. So, if you are not subscribed yet, please do so via this link. It will track how many new subscribers I get starting today and you will essentially have donated $1 to help Haiti. If you are already subscribed, you can recommend a friend to subscribe to my feed and also leave a comment letting me know which charity you think I should give the money to.   Let’s raise some money for Haiti! image from money saving mom Tweet

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Advertising is Everywhere

This afternoon after a coworker got back from lunch, I noticed a large yellow cup sitting on her desk. It had the Home Depot logo on it, so I questioned her if she had gone to Home Depot for lunch and when did they start selling drinks?? (Yes, I am blonde, but in my defense, some of them sell hot dogs.) She laughed and said that she went to Wendy’s. There was Home Depot advertising on the side of a Wendy’s cup. Now, you may think I’m living in the dark ages, but I haven’t seen this. I’ve noticed advertising popping up in the weirdest places lately, but not at a fast food place. You have to remember, I’m not big on fast food. I prefer to drop my cash in small amounts at places like Walgreen’s. What’s even more strange is that the other day when I went and got a hair cut, at the bottom of my receipt was an advertisement for football of all things. I made sure I kept that receipt so I could take a […]

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FICO Credit Scoring Holiday Tips

Only 43% of consumers will cut back on holiday spending this year, compared to 55% in 2008, according to a Consumer Federation of America survey. While increased consumer optimism spells good news for retailers, for Americans planning to “stretch” the budget, the New Year could bring falling credit scores, and with it, serious consequences. Here are some fail-safe tips from FICO Credit Guru Shon Dellinger to help enthusiastic shoppers stay financially sound: 1. Be Smart with Credit. Using a credit card is ok – experts agree having 3-5 credit cards helps your credit, if used responsibly. But carrying a balance on your credit card leaves you (1) stuck paying interest that could cost you, in some cases, double or triple the cost of those gifts in the long run and (2) with a much lower credit score, which could jack up interest rates on your credit cards and jeopardize your chance of getting lines of credit elsewhere (buying a house, a car, etc.). Services like FICO Score Watch combat this by providing emails or texts alerting you to any changes […]

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Store Loyalty Cards and Register Receipt Coupons

A few years ago, when we worked on the miniature horse ranch, we were talking with the ranch owner about grocery shopping. She told us that she didn’t use store loyalty cards because the government tracks your grocery purchases so they know what you’re buying and if you’re stockpiling. That ridiculousness aside, the past week I realized what exactly they are tracking with the store loyalty cards. She was right in the aspect that your purchases are being tracked, but it’s not by the government, it’s by the store. The other day I went to our local Kroger store to pick up some basic grocery items. After I checked out and paid, a ton of those checkout printer coupons printed. I started looking at some of the things it gave me coupons for, and I was surprised to see what items that they gave me coupons for. I got a $1 off Danactive probiotic yogurt drinks (I had just purchased them), a coupon for Duraflame firelogs (I bought those last year when our electricity went out from the ice storm), […]

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    Welcome! I'm Mrs. Money and I lead a frugal, simple, and debt free life on a modest income. I make money online to help support our family. I believe in saving money, living green, and enjoying life!

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