Savvy Spending

Savvy Spender knows how to pinch a penny and about being on a budget. She has learned great ways to save money on everyday expenses.
  • Savvy Spending

    If Only I Had a Crystal Ball!

    • 4 Comments
    My recent world was a world of opportunities in investments, housing, jobs, etc. The sky was the limit? Like many others, Max and I let this economic recession sneak up on us and is now become our reality. My parents suffered through the depression, and I now understand why my mom was such a penny pincher. I used to think she was just “cheap”. But now, every other day I hear about someone else that I know who has lost their job or their home. We were so spoiled with being able to afford name brands, big houses and nice cars. Today we are being faced with survival methods to be financially stable. We purchase only necessities and shop smart for every item -- just like mom. ...
  • Savvy Spending

    In This Economy, You Have To Be a Savvy Spender

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    Do you want to save money??? All you need is a little attitude, meaning a “savvy spender attitude”!!! There was a time in my life that I viewed name brand merchandise as being "better". This probably led to my perception of "the more expensive it is, the better the quality must be and the longer it will last". I thought that I was doing the right thing by purchasing well-made products that will last my lifetime! What was I thinking?? So now I am older (but not "old") wiser and more savvy. I began to realize that I really don't care if most things don't last forever --- because styles change, fads come and go and my tastes keep changing. A furniture sales person was trying to sell me a couch last week and was justifying the high price by telling me how long it will last me. Realistically, I don't want it to last 5-10 years because I know that I will want a change of scenery by that time. In fact, I finally was able to dispose of a 50 year old couch that I felt compelled to keep because it was an expensive item and made so well. My new attitude guides me differently! ...
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    How to Say Goodbye to Credit Cards

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    I'm sick and tired of hearing about all the bad economic news. Well, guess what? Max and I have made our 2009 resolution… WE CHOOSE NOT TO PARTICIPATE IN THE BAD ECONOMY! Okay, so how are we going to that? After careful consideration of our financial goals, our financial commitments and our budget, we came up with our game plan. ...
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    Goodbye Gym Membership

    • 2 Comments
    Goodbye gym membership, hello extra cash - hello to freedom!!! Freedom to work out, where and when I want! I've come to my senses and have gotten over the fact that I don't need a "membership" to a gym to get in shape --- especially when I haven't used it in 6 months! I have found myself finding excuse after excuse of why I can't make it to an exercise class, or why I can't get to the gym. This, therefore, justifies why I haven't been exercising. Wrong, wrong, wrong. I have been depriving myself and wasting money! ...
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    Don't Break Your Holiday Budget on Wrapping

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    Pretty packages under the tree, don't have to be expensive to be beautiful. It's never too early to start preparing for holiday wrapping. In fact, it's important to think ahead so you don't find yourself running to the store at the last minute because you ran short or forgot to buy the wrapping paper. Not to mention that it's one of those costs that you forget to budget in and you then find yourself going over your gift budget because of the pricey paper! If you plan ahead, you won't have to deal with this issue. Here are some of my low-cost ideas for wrapping this year's gifts. ...
  • Savvy Spending

    Let's Talk Turkey

    • 1 Comments
    Mmmmmm, the smell of turkey roasting with all the fixings, followed by the sweet aroma of apples, cinnamon and pumpkin delights. All this yummy, delicious food that is customary in the American tradition comes with a price. It doesn't just happen -- especially when you are the one hosting the feast -- which could be stressful, unless you take the time and shop wisely. ...
  • Savvy Spending

    Coupon Clippers Beware!

    • 3 Comments
    My name is Savvy Spender, and I am a coupon clipper. In fact, I have always been a coupon clipper. Whether it is a coupon for frozen corn or $5 off a haircut. I've sometimes clipped coupons for things that I never had any intention of buying. I've purchased little "coupon organizers" so that my coupons are handy whenever I'm in the store. I am also one of those that finally remembers that I have a coupon for something, then I get all the way to the checkout -- only to find out that my coupon expired, or I was supposed to buy two and get the third one for $1 off. Guess what --- by that time, I end up just paying the full price for it and tell myself that the "next time" I buy this, I'll remember to use the coupon!!!!! Who out there can't relate???? ...
  • Savvy Spending

    Don't Ba Hum Bug Your Holiday Shopping Just Yet!

    • 1 Comments
    Okay, call me crazy, but if a savvy spender doesn't start thinking about holiday shopping early enough -- like now, she's gonna be one big Srooge by December! It's true that you can find some great sales close to the holidays -- but when you are crunched for time, you will wind up spending more money than you need to, just to get the job done. So don't wait, don't hesitate -- ready-set-GO! ...
  • Savvy Spending

    Avoid the Scary Cost of Halloween Costumes

    • 1 Comments
    Don't want to pay scary prices for Halloween costumes? When Halloween time rolls around each year, it seems like all the fun is taken out of this "holiday" for Max and I when our mailbox is full of catalogs and ads for costumes. The kids go through these catalogs and get all excited about what they want to be, but have you seen the prices of costumes these days -- $30 to $50 each??? Multiply those numbers by 4 kids and we are playing major "tricks" on our budget --- and it's NOT a treat! Too scccaaarrryyy for me -- this year will be different. In fact, I have already laid the ground work. ...
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    Online Shopping Can Be a Mom's Best Friend

    • 1 Comments
    If you are at all like me, you have kids, a husband and need to work -- but live with guilt for not spending enough time with your kids. Then this is for you. As moms, we sacrifice -- in fact for many of us, the decision to work is a sacrifice. So when we need to shop for certain items, it's nice to have the world of technology at your "fingertips"! In fact, with technology, we can shop from home, office, even the pool at anytime of day (without having to hire a babysittter). The great thing is that it can actually save you gas, energy and time. Let's not forget about saving you money too -- as long as you are savvy. ...
  • Savvy Spending

    Don't Break the Bank at Amusement Parks

    • 1 Comments
    I just spent two days entertaining my family at an amusement park and was appalled at the high prices they charge, not just to get in, but for food, games and even an extra charge on some rides. Talk about “nickel and diming” people! Well, I just won’t have it. There are ways to have fun at a park without spending your life savings. ...
  • Savvy Spending

    Ways to Make Landscaping Affordable

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    It’s the time of year that my husband Max and I get energized about all the neat things we can do to improve our landscaping. I have the tendency to dream big, but Max seems to dream even bigger! When I wake up from my dream, I realize that landscaping costs can be extreme if I’m not savvy in my purchases....
  • Savvy Spending

    Savvy Dining Out

    • 2 Comments
    Dining out with a family of six might sound like fun, but can “eat up” your budget in just one or two big gulps per month! However, being such a busy mom, it is nice when I don’t have to cook at the end of a tiring day, so I’ve worked at finding ways to have “my cake and eat it too”. I first pay close attention to restaurant advertisements that say “Kids Eat Free”. They sometimes are only good for one night of the week, most commonly a slow night like a Tuesday. Many restaurants (usually fast food) will advertise specials, like buy one get one free or similar. We recently fed 9 kids and ourselves (it was during our “family camp” with relatives) for 28¢ (the bill would’ve been over $61.00) all because we tuned into a promotion that they were having where we would get free meals if we dressed like cows! Sounds crazy, but a few black spots on a white tee-shirt and a paper cow hat fed 11 people for dinner!!!! Not to mention how much fun we had doing it! ...
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    Summer With Kids

    • 1 Comments
    Be prepared, what a good motto! It's July and the Summer is in full swing. They are looking for things to do and it seems everything is so costly!!! This is a time I really need to be savvy with my spending and creative with my ideas, for them, for my pocket and for my sanity!! It's their favorite time of year, and mine too --- as long as I'm prepared! ...
  • Savvy Spending

    The Gas Crunch

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    Ouch, Max just filled up our 25 gallon tank and, here we go, triple digits --- 100 Buckaroos!!!! It seems like just a short time ago we were worried about gas prices going up to $2/gal., then more recently $3 and now we’ve hit $4! It doesn’t matter how rich or poor you are, everyone and anyone who drives a car has to be feeling this crunch. ...
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    Savvy Spender's Story

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    Never pay full price!!!! This statement has become my way of life as I have learned (1) that everything is negotiable and (2) the importance of researching every purchase. This thought process didn’t just happen and I certainly was not born with it. Now, being a working mom of 4 kids, 2 dogs and a husband, I had to learn the value of a dollar and how important it is to make it stretch. In this Savvy Spender blog, I will share many of my real life experiences of my creative ways of saving money and budgeting our family expenses. I’ll even admit to some of my spending blunders and take you through my “should’ve done’s”! ...
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