friend one, will send a text saying: “Girl! I found a great flight to Barbados, $200 round trip for next weekend. Pack your bags because we’re going! Buy your ticket, put in your vacation days, and we’ll figure out hotels later.😜” The Planner, friend two, will send you a text along the lines of: “Hey girl, I’ve been thinking about taking a trip for my bday. I don’t know where yet, but we have 4 months to plan😊” Whichever friends you have, or are, being prepared for vacations is a must. You know what they say, if you stay ready, you never have to get ready. Today’s post will tell you how to do just that. How to Save for Pleasure / Vacations Without Breaking the Bank
Know What’s Really Organic I really never know what to get organic because it seems like they’re selling everything organic these days. Luckily ChasingFoxes created a quick list of items to buy organic and what not to buy organic. “What NOT to Buy Organic: Mushrooms, avocados, pineapple, onions, mango, asparagus, sweet peas, kiwi, cabbage, papaya, watermelon, broccoli, and sweet potatoes. What You Should Buy Organic (a.k.a. “The Dirty Dozen”): Strawberries, apples, nectarines, peaches, celery, grapes, cherries, spinach, tomatoes, sweet bell peppers, cherry tomatoes, and cucumbers.” Source: www.chasingfoxes.com/ways-save-money-grocery-store/
Have Some Meatless Meals I’ve been saving this since last year “I need to eat less meat” yet here I am eating meat with almost every meal. I need to have designated meatless days not only to help my body, but to also help my budget.“Include a couple of vegetarian options in your menu each week. Our breakfasts and lunches are typically vegetarian (if we aren’t having leftovers) and then we also have at least one or two meatless suppers a week. It really does make a difference and no ones going to complain about Alfredo Sauce or cheese and veggie pizza.” Source: www.fromthiskitchentable.com/10-ways-to-drastically-lower-your-grocery-budget/
Shop with a plan, create a list before you go. I know it seems simple, duh Candice of course you should walk into the store with a plan. However there have been many times where I walk into the grocery store freestlying.That’s usually when I end up spending more than I planned. Also having a plan helps me from making multiple trips to the store. Which alone will save you money. If you can make one trip to the grocery store a week you will save so much money. “This is the simplest thing you can do – make a list of what you need at the store. While you may still be tempted to vary from it, I’ve found that when I make a list – rather than just walking aimlessly around the store – I spend less, buy less impulse/unnecessary purchase, and my grocery shopping trips are quicker and more efficient. I try and keep a notepad on our counter or a magnetic one on our refrigerator so I can write down items that we need to buy. If you meal plan, making a list of all the items you need to get is even easier!” Source: www.clarkscondensed.com/thrifty-living/ways-to-stick-to-your-grocery-budget/
Use Grocery Store Apps The top grocery apps I’ve heard of are:
- Ibotta- This app pays you through cash back rebates.
- Shopular- This apps let’s you get the latest promotions and deals going on around you.
- Favado- Another great app that helps you view the best deals
Digit. “Digit is an app that strives to make saving money as passive as possible. To do this, Digit analyzes your income and spending patterns, and then automatically dips into your checking account and puts a few dollars into a savings account (typically $2-$17 every 2-3 days).” I’ve created a video about my vacation below, and I also talk money about my new app that’s helping me save more money. If you’ve been struggling when it comes to the saving department I would recommend signing up for an app that helps you do it automatically. I’ve broken up with Digit and now I’m saving with Rize find out why here. Even if you’re not thinking about taking a vacation, you still need to save money. According to USA today:
“Nearly 7 in 10 Americans have less than $1,000 in savings”[Tweet “”Nearly 7 in 10 Americans have less than $1,000 in savings””] Common Questions: Is it safe to keep my money with Digit? Yes Digit is safe and secure. “All funds are FDIC insured up to $250,000” Digit Faqs Can I transfer my money out anytime I want? Absolutely. You are able to transfer your money during any time of the month, all you have to do is send a text message saying withdraw and then the app will ask you show much money you would like to withdraw. The next day they money will be transferred back to your original bank account. The only concern that people may have is that their money isn’t growing much interest by using Digit, but let’s face it your money isn’t growing much interest by using a Bank of American account either. Unless you’re using an online bank like Alley, or Cap One it’s tough to get any interest on your money. Which is why it’s a great idea to start investing your money. I talk more about how to start investing in my investing for beginners book here if you’re interested. ]]>
*THIS POST MAY CONTAIN AFFILIATE LINKS. I hope everyone had a great Thanksgiving, and since you’re here reading this blog I want to let you know how thankful I am for you! I know how important saving money tips are for you, people are always asking me what tools am I using when it comes to my money and today I finally have one for you. It’s called Digit. Digit lets you save money automatically without even feeling like you’re saving at all. If tricking yourself into saving money is the only way to make you save money so be it. I love automatic savings because sometimes I tell myself I’m going to save a certain amount of money each month, yet when I get paid suddenly I find myself transferring less than I planned. I know I know don’t judge me lol, but when you make your savings automatic you don’t even have to worry about that. How does Digit’s automatic savings work? “There are 4 main things that influence Digit’s savings algorithm:
- Checking account balance
- Upcoming income (paychecks or predicted irregular income)
- Upcoming bills
- Recent spending
In college my mom paid for my cell phone bill. Thank God because I was barely making enough to afford groceries let alone a legit monthly cellphone bill. Even though I worked on campus my bi-monthly paycheck was maybe $127.00. Okay so maybe my mom continued to pay my cell phone bill even a few years after I graduated college. (Ma, you the real MVP) Eventually I had to get my own cell phone plan and long gone are the days of signing a two year contract and getting a cell phone for free or maybe paying $100 for a phone. Oh no honey, now you have to either pay for the phone upfront or make monthly payments until the phone is paid off. For the past two years I’ve been with Sprint after paying for the phone I’ve paid about $84.00 a month except after the first bill which was about $147.00. Now that I think about my bill was closer to $100 a month, but once I signed up for automatic bill pay they knocked it down to $84.00 a month. Wooptie doo. I really didn’t like paying almost $100 for my phone each month. I barely talk on the phone and to be honest I don’t need to be on social media all the time I need to do a better job at being in the present moment and enjoying the scenery. An older women who I respect sent me this honest email January last year.
“I have a little advice of my own to pass along. You really need to be present when you are somewhere — the phone is a distracting drug — and I am just glad I grew up before they were around because I am not tied to a device. You learn so much from interacting with people and you really can’t do both well simultaneously. You may think you can == but the vibe you end up giving off is that the phone is more interesting. I know we can be honest with each other, right! You have so much together for someone your age — I just wanted to pass along some wisdom I’ve learned during my time on earth.”We can all use this advice . I appreciate her for being honest and sharing because you don’t grow from praise, you grow from criticism. Anyway, I’ve always heard of of Republic Wireless and even Ting Inc. but didn’t do too much research on them. For some reason something inside of me acquitted cost with quality. So when my dad would tell me about his Metro PCS phone I’d be like what Metro PCS uhm no dad, I’m not going to use Metro. There’s a reason wisdom comes with age because eventually I got tired of paying $84.00 a month. (I just turned 27 so I’m one year wiser now. ) My mom wanted to get rid of Sprint I told her she should look into Republic Wireless that’s what many of the other money bloggers were using and they kept raving about how much money they were saving. My mom signed up with Republic Wireless her phone cost her $100 and she only paid $20.00 a month. Some months she would brag about how she would get a credit back if she didn’t use all her data for the month.
Last week I cut the cord on my 2 year Sprint contract and ran into the arms of no contract Republic Wireless . I’m still fairly new to their service, but so far so good. I pay for the data that I want to use and if I run out I can always upgrade for more. My current bill is $30.00 a month for 2GB of data. I always use my WiFi first and if WiFi isn’t there then I use my data. The majority of the time there is WiFi that I can connect to. Let’s run the numbers to see how much money I will be saving each month by giving up Sprint and switching to Republic Wireless. In order to use Republic Wireless you have to purchase one of their phones. Their phone prices now range from $179- $699. I bought the Moto X Pure edition for $349. ( You can always choose to pay $21/monthly until the phone is paid off) My monthly bill will be $30.00 a month. If I stay with Republic for two years it will cost me $1,069.00. Let’s see how much it would cost me if I decided to sign up for another 2 year contract with Sprint. If I’m signing up for a 2 year contract I always wanted to choose the most recent phone. In this case I would want the Samsung Galaxy Note 7 (I’ve always been an android lover, Sorry Republic doesn’t have iPhones). I could opt in and pay $35.42 a month for two years for the phone or pay $349.99 after the mail in rebate. Let’s pretend I chose the rebate option and wanted 3GB of data for $30.00 a month (unlimited data would cost $60.00). To keep it simple I won’t opt in to device protection which would cost an extra $13.00 a month. Some of you would need total equipment protection the way you drop or lose your phones, but that’s none of my business lol. My package with Sprint would cost me $428.74 ( after taxes, fees, and equipment charges), a $30.00 one time fee activation, plus I’d be paying $75.00 a month for 2 years. By choosing Republic Wireless total after 2 years- $1,069 If I chose Sprint my total after 2 years- $2,258.74 By choosing Republic I will be saving $1,189.74 in two years. Do you know what I can do with an extra $1,189 dollars, a lot. Put it in my savings, into my business, a course, my debt, a vacation,a new laptop, investing etc. the list goes on and on. There are so many other things I can use that money for instead of a cell phone bill. Who cares if I don’t have unlimited data usage, big deal. I will live and learn to be more present instead of always having my head down in my phone. This is not a sponsored post by the way Republic Wireless is not paying me (but if you would like to please shoot me an e-mail lol). I just wanted to share with you my new cell phone plan. It’s important to look at the things you’re paying for and know the yearly costs for them. $84.00 a month doesn’t seem like a lot but after paying it for 2 years it adds up to $2,016.00. On top of all the other bills that you already have. Is there anything that you’re currently paying for that you can cut back or downgrade on and use the extra money towards something else? ]]>
“Mom there’s no way you’re only paying $20.00 a month for your phone, how is this even possible?” I thought. I secretly didn’t want to hear her brag about all her monthly savings, while I was still shelling out almost $100 a month for mine. Something had to give.
#1 Credit cards: Before you start swiping for new clothes and shoes do you really need them? Be sure that you’re checking your balance statements each month and eliminating as much debt as possible. Waiting 30 days to buy certain items to see if it’s really a need or a want may be helpful. If after the 30, you still feel like you want that item, go get it sweetheart! Also if you haven’t checked your credit report yet this year it’s free at freecreditscore.com.