Friday, August 31, 2012


Ways I've been re-evaluating our money and budget choices:

1. I've been looking into credit unions and comparing money market rates. And then my sweet husband remembered ING! I checked out their rates and was shocked. The highest interest rates I had been able to find for a money market at other banks and credit unions was the interest rate on the checking account at ING. Can you imagine the great rate on their savings accounts? Definitely worth looking at. Make Money

2. I bought a stupid life insurance policy a few years ago. Life insurance is not stupid. The policy I picked was. I have an appointment set up with my State Farm agent Thursday to get a new policy that will be cheaper and make more sense. Save Money

3. We became officially debt-free yesterday (YAY!!!!!) but I still feel like we aren't since we have a million payments each month. We could cut down on some of these by paying our insurance premiums every 6-months instead of every month, and save a little on service fees. This won't save much money, but it will make me feel like we're keeping our money instead of giving it out every month. Save Money

4. We were trying to cut down on our food bill by not buying grass-fed beef and free range chicken. It saved money on the grocery bill, but we were used to that yummy grass-fed and we would end up going out to eat to avoid eating the cheap meat we bought. So I'm going back to my yummy expensive meat. It's still cheaper than going out to eat all the time. Quality of Life

5. Nathan's car is really old, so we're saving up to buy him a new one. That way when this one dies, we're not stuck with a car payment, higher insurance than we want, and paying interest. Also, he's planning on driving this car until it dies, so we get all the use we can out of the new transmission we bought a little over a year ago. Save Money

6. I found a website where I can buy Abigail's organic lactose-free formula for only about $1 more than Similac if you buy 12 at a time. Even shipping is free if you buy that much! And we are comparing it to Kroger prices. If you compare it to Babies R Us prices, the organic is way cheaper. Save Money

These are the ideas I've had so far. How do you make the budget stretch?

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