How do you calculate your grocery or drugstore savings?

Financial, general, Uncategorized
I'm curious, how do you calculate your grocery or drugstore savings? Do you calculate it based on regular retail prices? Do you calculate it based on sale prices? How do you calculate it using your reward points /bucks/ rewards? I've been trying to figure this out for a while.  We save a lot each year on so many things!  We don't ever buy toothpaste, razors, and other household products just because I can get it FREE or really cheap.   I know I'm saving a lot because of that but how much am I really saving per trip? What formula do you use?  I plan to find a couple formulas and post them here. Source Img:  All You magazine
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Happy New Year! and Donations!

Charity, Financial, general, Uncategorized
Happy New Year!  I'm so excited even though the weather today isn't the prettiest it sure is nice to to be home and rest with the family.   Plus we are going to make my version of the Starbucks Ginger Bread Latte!  Cheers! I just wanted to send a quick reminder to everyone that it is Dec 31st, which means you should complete any 2009 donations today!   There are so many charities that need help and even it is a, $1 or $5 it is so appreciated by those that don't have much.   Plus, most charities are tax-deductible which can help with 2009 taxes.  Giving is worth it! Happy New Year! Img Source:  Justin Newitter
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Merry Christmas!

Financial, general, Uncategorized
From my family to yours - Merry Christmas, and see you in the New Year! I will continue to do the best I can and post any interesting deals as I find them.  I will be taking a break like most bloggers and enjoying the holiday season, but when I find interesting tidbits to share I will do the  best I can. A couple reminders!   This coming weekend will have the P&G insert-December 27 - so don't forget to get your local paper. Keep an eye out for some great deals on December 26 for next year's Christmas season like candles, wrapping paper, cards and ribbon.  Remember to create a budget and stick to it. That reminds me!   It is time to start thinking about financial goals for 2010.   What…
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Mint.com – free personal financial tracking!

Financial, Software, Uncategorized
Since it's the beginning of the year its that time again to start getting taxes ready and organize my financial information. I used to be a big fan of Quicken and Money but both programs have limitations and require a lot of work in my opinion.  I usually would have to spend 1 to 3 hours a month to add all of the account information and figure out my financial situation.  In addition, I prefer not to pay $30 to $60 for software that I didn't think really helped me much.  So, I did some research a couple weeks ago and I discovered Mint.com. What is Mint.com? Mint.com is a personal online financial tracking system for free!  That's right free!  You create a secure account online and add your login…
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Financial Goals 2009

Financial, Uncategorized
This evening I've been updating my blog.  There is so much to talk about and so little time.  I now realized that it is 11:10PM so I need to finish up and go to bed.  The little one is in bed and I'm sure she will wake up early.  In the mist of updating my blog  I found Money Saving Mommy's blog on 2009 goals Her blog always inspires me to save even more.  I have to admit I'm not as good a saver as other bloggers have been and it really helps to see others who believe like we do. In 2008, we had our wonderful daughter and realized that we had to do better about our finances.  We knew we had to start a 529k and we need…
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Only $800 a year!

Financial, general, Uncategorized
Thanks to Thrifty Mama for pointing this blog out! Erin has been working hard to only spend $800 to feed her family of 4. Erin's blog is famous because its on TV - Channel 13 in Texas. This blog really inspires me to work hard and save even more. In addition, it gets me to really think about the spending process. We treat ourselves to a lot of things such as fast food, eating out, games, gadgets, and household items. What can we do to limit that? Something I will talk about in another post soon. I want to write about 2009 goals. What are our family goals? What do we want to save up for? We have a rain day fund but with the economy should we be saving…
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