Tuesday, May 27, 2014

A Penny Saved

There are a lot of places to get advice on how to save money, but I think you'll agree few are as simple as the following rules my husband created we cheerfully live by.

When we met, let's just say that one of us was of the champagne dreams variety, and the other was just fine with champagne as long as it was a reasonably priced bottle from Trader Joe's.  Since then, if I have not quite gone over to the dark side completely, I am definitely standing in the doorway.

Without further ado, I present:

The Annapolady Financial Planning Top Ten

1. Turn down the thermostat. If it's January and you don't have on a sweater, scarf, thick slippers and finger less gloves, you're spoiled.

2. Waste not, want not. You'll think you're becoming a pack rat until the day you need a one inch orange three ring binder and it's sitting right there in the garage where you stored it six years ago. That's like, four dollars in your pocket. Cha-ching!

3. No shampoo, soap, or dishwashing liquid bottle should ever be recycled before it has spent the night turned upside down into a new bottle to ensure every last drip has fallen.

4. See No. 3 for ketchup and syrup.

5. Six months of research, a sale, and a major coupon are required to purchase anything that plugs in.

6. If the ATM does not have your bank's logo on it then it does not have any money for you.

7. If it cannot be purchased in a discount warehouse, you should think about whether or not you really need it for a year or when the item stops being manufactured, whichever comes last.

8. Going out to eat is nice, and we do it, but it is the financial equivalent of burning a fifty dollar bill every time you open your pantry to make a meal. Proceed accordingly.

9. Just pretend that ceiling fans are as pretty as chandeliers and everything will be fine.

10. Rules have you frustrated? There are $6 bottles of bubbly at Trader Joe's.

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