Archive for October 2009

Saving Money On Groceries AND Upcoming Workshop

I have been saving a TON of money on groceries for the past several months.   I have saved the money using COUPONS!

Here are the websites I have been using:

The IWBNIN team is offering a new workshop that we are taking to communities that not only teaches you how to save money on groceries, but on nearly everything you buy – including travel, restaurants, phone service, shopping, insurance and many more!   The NEXT workshop is in Greenville, SC on November 5th – you can learn more and REGISTER HERE.   If you are interested in hosting a workshop, contact our team HERE.

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(It’s free!)

And The Sangl’s Will Be Having A …

A BOY!   On or around February 6, the Sangl Family will be welcoming a baby boy to the family.   Everything looks tremendous, momma is feeling great, and the “nesting” is in full-force.   We spent the day today taking out all of the baby stuff that we put away nearly 10 years ago.   We have some good stuff that we can use, but I am betting the pink dresses won’t work well …

Here’s a money saving tip if you are a cash-paying customer …       The 20-week ultrasound costs around $350.   We discovered that our local college (Greenville Tech) will provide it for FREE – all you have to do is schedule it!   We were able to have our ultrasound performed by a senior and then checked by the instructor to make sure everything was done correctly – and it was all FREE.

Again – Thanks to everyone who voted on “boy” vs. “girl” – the boys led the girls in the voting 123 to 78.

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If you do not know the full story of the MIRACLE that our new son is, you should take a few minutes to read about it HERE.

Baby Sangl: One Last Chance To VOTE

Tomorrow we find out what God only currently knows about Baby Sangl #2 – Boy or Girl.   I will share the results on the blog (I will probably Twitter it earlier).

You have one last chance to vote …   🙂

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Baby Sangl #2 will be a ...
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Can you tell that I am excited?   By the way, we are still working on the Baby Sangl Savings Spectacular so that no debt is incurred with his/her birth!

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SERIES: Fundamental Rules Of Money Management II

Welcome to a new series on the wildly popular JosephSangl.com!   In this series, I will be sharing what I believe are Fundamental Rules Of Money Management.     I look forward to reading your thoughts on this topic!

Rule #2 Sow Some Seed

It appears that this series is taking on a farm angle …   It is the most basic and fundamental fact of farming.   If you want to harvest something, you better plant something.   I can assure you that if you do not plant corn kernels in the spring, you will not be able to harvest 150 – 200 bushels/acre of corn kernals in the fall.

How does this relate to finances?   I see some key similarities:

  • Being stingy with seed leads to a poor crop If you want to have no money, don’t save any money.   Don’t invest any money.   I can promise you that you will always have no money (a poor crop).
  • Some seeds will be eaten or rot You can coat the seed with pesticide and other deterrants, but some of the seeds will still be eaten.   Still others will rot.   Others will not germinate.
  • If enough is planted, an abundant harvest will happen If enough seed is planted, it sets in motion the path toward an abundant harvest.   There is nothing like running the combine through the fields and emptying the hopper into the grain trucks – the result of all of your efforts in the spring.
  • One seed usually produces hundreds or thousands of additional seeds! The seeds that produce will yield an incredible harvest.

Are you sowing some seed so that you can reap a harvest?   Let’s make it practical.   Are you investing in your 401(k)?   Are you saving money for your dreams?   Are you directing money into investments like real estate, small businesses, stocks, bonds, and other proven ways to maximize the growth of your money?   Sow some seed.

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SERIES: Fundamental Rules Of Money Management I

Welcome to a new series on the wildly popular JosephSangl.com!   In this series, I will be sharing what I believe are Fundamental Rules Of Money Management.     I look forward to reading your thoughts on this topic!

Rule #1 Make hay while the sun shines.

I was raised on a farm in Indiana, and one thing we learned was that we needed to make hay while the sun was shining.   We knew that a time of famine was coming (winter) when there would be no fresh food to feed the livestock.   This made it imperative that we cut the grass, dry it in the sun, bale it, and store it WHILE IT WAS AVAILABLE.

How does this relate to finances?   I see some key similarities:

  • There will almost always be a time of famine The job lay-off, an unexpected pay-cut, an unanticipated healthcare issue, or increased expenses can lead to financial famine – especially if one has not saved for such a famine.
  • When you cut hay, more will grow to replace it If the grass is not cut, it will mature and die off.   It will also prevent additional growth.   If you cut the hay, it stimulates new growth.   The same is true for finances.   If you save some, it will lead to new financial growth!
  • When you have plenty of hay saved up, it leads to confidence When you have an emergency fund of money saved up, it can help you take a few risks and not jeopardize your entire financial situation.   You can absorb some costly expenses.

When you are in a period where you are making excellent money and life is good, it is time to save and store up for the future.   Make hay while the sun shines.

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