#Money saving

[foyiiwae]

It's that time of year I talk about work outside of work. I give money advice to people on a low income (in the UK so I can't help with other countries unfortunately, but I can give general information and guidance).

It's getting colder, and energy bills are still quite high. For those in the UK you'll be familiar with Martin Lewis, for those outside of the UK he's a public figure who gives general money advice to the masses without it costing an arm and a leg.

Oh his website he has a guide on heating the human, not the home. Ways to save money on energy bills when it comes to it. While it's UK centric there's some good tips to help others as well.

I always find it important to share this time of year. Stay warm friends ❤️

[heydrangeas]

hey. hey. did you know if you buy a rotisserie chicken ($5-10 depending on where you get it) you can dig into it like a rat, then strip and save the rest of the meat, then make as much stock as you can fit in your largest pot by simply simmering the bones with herbs and veggies or veggie scraps for 6-8 hours, thereby easily doubling the value of your purchase and making the best soup base ever?

[dank-meme-my-gf-sends-me]

[isi567]

One special thing I like is that Optimus help me save money. I have this poster of him from magazine and behind it I hide money, no one suspects a thing and every time I want to spend it I look at his eyes he was like "No, don't touch it" and I give up. I mean if he can save matrix from Megatron he can save money from me.

@invadergia @knockout-starscream @justasilly-goober @numbbrainstrorm

[thereadmind]

- credit @realalexclark on YouTube

Don’t pay your kids to do chores, reward them for creativity and effort to create value.

[mistyhollowcottage]

Saving Money as a Homemaker 🧺

I’ve posted before that we’re anxiously awaiting and preparing for our second baby and with that we’re focusing heavily on saving money! We have high hopes of buying first cars, paying for college, etc etc for both of our girls and despite the fact one is 18 months old and the other is still in utero, we know that the saving and preparing starts now. I do not bring in an income in our home but I do help manage the money my husband brings in and I work hard at making every dollar go as far as possible, so here are some things that make our money go further:

1. Eating at home - everyone gives this advice and it’s because it’s 100% true. You are literally throwing away money eating out and more and more the food that you buy at restaurants isn’t even that good. An easy way to make the switch is by making crockpot meals. Many are “dump and go” meals that require no skill and 9/10 you’ll even have leftovers for lunch the next day. Plus a crock pot is like $20-25 and they last forever.

2. Pay off existing debt - I’m not talking just your monthly minimums. If you have an extra $100 without a job in your monthly budget, it should go towards debt. Any extra you pay on your principal now is money you don’t have to pay in interest later. If you need more motivation for paying off your debt early, pull up a debt calculator and see how much in interest you’ll be paying before it’s all said and done. I promise you’ll get motivated real quick.

3. Create a budget!!! - if you are just floating through life, spending money willy nilly, I promise you don’t even realize how much money you’re just throwing away every month. I remember after I graduated from college and met my husband, we sat down to look at my finances together and I was legitimately embarrassed to see how much money I spent just getting coffee. I was spending a car payments worth on coffee every month and I literally was a barista. I could make that ish at home!! side note - "fun money" is a category you should have in your budget. You are bound to stumble if you aren't ever allowed to spend any money on yourself.

4. Determine what’s worth investing in and what’s not - for us this is list is pretty short. We invest in food and “clean” products. We eat and feel good on a high protein diet so we prioritize meat within our budget. Yes, there are plenty of cheaper plant protein sources, but that is not how we choose to fuel our bodies and it’s not how we feel best. But, more than just choosing to prioritize this financially, we prioritize the time it takes for my husband to go hunting to help save money on this as well. As far as “clean” products, I’m talking fragrance/toxin free shampoos, conditioners, cleaning supplies, etc. We’ll shop sales if one becomes available but we will not skimp with a $1 bottle of shampoo that will irritate my husbands skin or leave me with a migraine. This list will and should look different for every family but if you have your priorities clearly laid out there’s no room for convincing yourself that something not on this list is worth spending extra money on.

5. If you can make it at home, you should make it at home - cleaning products, food, gifts, home decor, all of it.

6. Thrift! But not as a hobby - I love thrifting and there’s a heck of a thrill in finding a beautiful ceramic mug or stumbling upon a cute sweater, but you’re not saving money like that. You should thrift for the things you need first and make sure to have a clear idea of what you’re looking for before going in. The thrift store should ideally be your first stop when looking to buy, but if you can’t find it after a bit of time looking, you’re not less than for having to buy new.

7. Borrow borrow borrow - sure, it’s kinda annoying to borrow other peoples stuff, but there’s really no reason to buy something you only need once or twice.

8. Learn to sew- I’ve had so many pieces of clothing rip at a seam and if I didn’t know how to stitch that back together, I’d have to throw it away and probably replace it (I’m looking you pockets on jackets). Instead, a five minute YouTube video has saved me, idk, probably at least $100.

9. Order your groceries online - this is probably very dependent on which grocers you have close to you, but ours still has online coupons and sales and it is an excellent way to make sure that you're sticking to your list. Plus, it's a godsend with little kids.

10. Finally, identify yours and your spouse's strengths and weaknesses - by this I mean, can you not help yourself from buying something if you go "just to look around" at your favorite shop? Does your husband add 47 unnecessary items to the grocery order anytime it's his turn to do the shopping? Whatever your individual money spending weakness are, identify those and help keep each other accountable or hand off the things that the other excels in so the temptation is just never there.

Happy money saving!

[albertayebisackey]

“Save money, and money will save you.” – Anonymous

[solopiediegambes-blog]

[fabledfoxglove]

Friendly reminder to check your local dollar stores for witchy finds/decor in general. I found these star-shaped LED tea lights there today

[secretlifeofesma]

if u can't afford something

go to the sale section of a store and put the sale barcode over the original. then go pay for it. it's not stealing and a better alternative if u do have money.

[auntiepasto]

Save Money, Cut Your Own Meat

This is half of an 8.8 pound pork roast from Costco. It cost me $20.22.

Yes, you read that right. Under $3/pound. In 2023, where even breathing the air is expensive.

It’s a whopping big chunk of meat, and Costco pork is decent. (Would I love to be indulging in small-farm meat? Of course. Does the budget permit? Not always.)

Pork loin is incredibly forgiving to a first-time butcher. All you do is cut it straight down, as shown above.

You’ll notice I’ve started cutting it into pork chops. I’d already cut the other half into a mix of chops and larger pieces that I’ll probably cut up smaller later and use for stir-fry or pork jun.

Do you need to be meticulous about your sizing? Nope. You can see where I slashed the fat to indicate roughly a pound of meat (8ish pounds divided in half, then divided by 4). I then divided each pound that I was planning to use for chops in four, and cut those.

I did end up deciding to use the last two pounds as a roast, so there’s a nick in the fat cap on that. Oh well, that’s fine.

Bag up your meat in freezer bags. Choose to store it in sizes that you’ll eat, so if it’s just for one, I’d store it in either half-pound or pound increments — so one meal fresh and one meal of leftovers out of a half-pound. If it’s for two or more, you’ll probably want to start with a pound per bag, and you might want to do two, depending on how many people you’re feeding.

Weigh it up (optional, but I like to know), label and date, squish all the air out, and toss it in your freezer. Voilá, you have meat for months. Even if you eat a pound of pork (four chops) a week, you’ve got two months worth of meat and it cost you only $20-some and a bit of your time.

[petula-xx]

IT'S A WRAP!

All of these Christmas gifts have been wrapped with either re-used or re-purposed materials. The ribbons alone are enjoying their 3rd Christmas and will be saved for a 4th. The plastic bags, baskets and big green bag will get another go too.

Apart from the sticky tape and gift tags, wrapping these gifts cost me nothing. A merry Christmas indeed!

[thereadmind]

[fanwer4232]

【Costco’s Brand Secret: They Even Monitor the Size of Cashews!】

Think Costco is just about bulk products at low prices? Guess what—they’re so meticulous they even control the size of their cashews and the number of peels on canned peaches! This isn’t a joke; it’s part of Costco’s genius in balancing quality and affordability. Today, let’s uncover how Costco’s obsession with details and cost-saving tricks turned them into a retail powerhouse! ✨

Kirkland Private Label: Quality, Not Cheapness

Kirkland isn’t your average low-cost brand—it’s the ultimate combination of “low price and high quality.” Every cashew has to be the same size, and every canned peach needs a precise number of peels. Yep, even your canned fruit gets the luxury treatment at Costco!

Where else can you feel like a fruit connoisseur while shopping for canned peaches? 🍑

Membership Program: A Psychological Masterstroke

"Want to shop here? Pay a membership fee first!" That’s Costco’s clever strategy. Their membership program creates an exclusive VIP feeling, and once you join, you’ll think twice before leaving. After all, if you’ve already paid for membership, might as well shop until it’s worth it, right? 💸

Minimal Product Selection, Minimal Advertising: Less is More

Costco’s philosophy is simple: offer fewer products, but make every item count. No need for aggressive marketing—one free sample session can do the trick. Who could say no to buying after enjoying a slice of pizza or a sip of wine? 🍕🍷

And those large bulk packages? Sure, you’re spending more upfront, but the lower unit cost makes it a smart buy. Suddenly, everyone feels like a wholesale expert: “Buying in bulk just makes sense!” 😎

Local Adaptation: From Rice to Organic Groceries

Costco knows how to win over local markets by tailoring their offerings. In Asia, they stock up on rice and seafood; in Europe, it’s all about organic products. No matter where they go, Costco finds a way to thrive. 🌍

Supply Chain Mastery: Running Lean and Passing the Savings

Costco works directly with manufacturers, cutting out middlemen and slashing distribution costs. No fancy shelves or elaborate displays—just stacks of products in a warehouse. It’s simple and efficient.

This lean operation lets Costco pass the savings directly to you. Brutally straightforward? Absolutely! But it’s why you get more value for your money. 🤝

Making Frugality a Lifestyle

Costco’s success isn’t just about bulk purchases or low prices—it’s a reflection of their obsession with quality. They’ve shown us that affordable goods can also be premium, and if a store cares enough to monitor the size of your cashews, why wouldn’t you trust them?

So, the next time you visit Costco, grab a Kirkland cashew jar or a can of peaches—and don’t forget to enjoy a few free coffee samples along the way. Saving money can be fun, and Costco has made it an art! 🎉

Costco: Meticulous to the max, unbeatable on value! 💪

resourse:https://www.expbravo.com/9918/costco-2.html，https://www.epochtimes.com/b5/24/5/11/n14246352.htm，https://www.daybuy.tw/costco/32992/，https://udn.com/news/story/120915/8173436

[jediaxis101]

It's funny when the illuminati say they are broke

Because Really?

The illuminati own all the banks in the world

But

They open new banks to give you the illusion that the banking system isn't all together

Plus the illuminati own all the credit cards lending bank systems

So

The illuminati get all the interest in the world from the people

Plus, on top of that

The illuminati lead people using your money to do it, 1 person has $100 in bank, bank leads the money but gets back $150 with interest

So therefore the illuminati

Have the credit card interest, have the interest from leading, store your money and own all the banks

And soon the government is going cashless

WAKE THE FUCK UP PEOPLE !!!

WTF ARE YOU WORKING FOR ???