Archive for August 2015

3 Places to Save Money on Groceries – CouponMom.com

Food consumes 15-20% of the average American’s household gross income. With such a large spending category, it is helpful to understand some key ways to manage these costs while still being able to purchase enough food (and hopefully even healthy ones too). In this series, I’m discussing three specific places that can save your grocery bill money. So, are you ready to save $100 – $300 every month on groceries?

#3 – CouponMom.com 

If you are not using CouponMom.com, there is a high chance that you are way overpaying for your groceries.

In our Financial Learning Experience events, I have the opportunity to share some money saving ideas.  Of course, I always wish I had ten or eleven hours to share as many of them as possible, but there is not enough time. One that I ALWAYS mention however, is CouponMom.com.

Here is how it works:

  1. Obtain Sunday newspaper coupon booklets (issued by SmartSource, RedPlum, and P&G)
  2. Mark the date issued on the coupon booklets – do NOT cut the coupons
  3. Sign up to CouponMom.com (click HERE to sign up – it is FREE!)
  4. Every week, go to CouponMom.com and pull up your store’s deals under the “Grocery Deals By State”
  5. CouponMom.com will tell you which coupon booklets to cut coupons from and how to use them to obtain an average of 50% to 85% OFF!

It sounds too good to be true, but I use this myself!  I KNOW it to be true!  For example, this week I went to Publix (grocery store near my house) and had a bill of $69.00.  I received $33.98 OFF after using my coupons.  This was not for useless junk that I will never use.  This is for cereal, pickles, ice cream, vitamins, toilet paper, paper towels, and many other products that I would purchase anyway.

Have you used this service?  If so, share your victory stories!  If not, get started and save a ton of money.

3 Places to Save Money on Groceries – Southern Savers

Food consumes 15-20% of the average American’s household gross income. With such a large spending category, it is helpful to understand some key ways to manage these costs while still being able to purchase enough food (and hopefully even healthy ones too). In this series, I’m discussing three specific places that can save your grocery bill money. So, are you ready to save $100 – $300 every month on groceries?

#2 – SouthernSavers.com

Add this website to the ones you check every single day. This website is written by a stay-at-home mom so you KNOW that she will share some incredible deals!

You will find INCREDIBLE deals for at least fourteen grocery stores, coupons, and saving tips.

All of the members of the I Was Broke. Now I’m Not. team are crazy about this site.

You can check it out HERE (you should go ahead and SUBSCRIBE).

Have you used Southern Savers? Share your story!

3 Places to Save Money on Groceries – Aldi

Food consumes 15-20% of the average American’s household gross income. With such a large spending category, it is helpful to understand some key ways to manage these costs while still being able to purchase enough food (and hopefully even healthy ones too). In this series, I’m discussing three specific places that can save your grocery bill money. So, are you ready to save $100 – $300 every month on groceries?

#1 – Aldi Grocery Store

Aldi is the cheapest grocery store I have ever found. It is first-quality, top-notch food, and I LOVE shopping at this store! It is about 10%-33% cheaper than the next cheapest grocery store.

I buy cereal, milk, bagels, bread, eggs, cheese, fruit, vegetables, meat, canned foods, and many other products at this store, and I have been very satisfied!

I can only hope that Aldi has a store near you.  You can click HERE to see if they do.

Do you shop at Aldi?  If so, share your stories below!

Monday Money Tip: How to Save Money on Groceries

Welcome to another addition of Monday Money Tip! In today’s tip, I’m sharing several key ways you can save money on your groceries. This tip can help you free up cash to buy more groceries or save, invest or give more money.

Want to automatically receive a helpful and practical money tip every Monday? Just sign up HERE (It’s FREE)!

I Can’t Do This! I Have Had Enough

If you have attended one of our Financial Learning Experiences or heard me speak, chances are pretty high that you’ve heard me talk about IHHE Moments – I Have Had Enough Moments.

I Have Had Enough … of those who say, “I can’t do this!”

I have spoken to or with tens of thousands of people regarding the topic of personal finances.  Without fail from every single event, I have received the phone call, e-mail, or comment that basically says this:

That is easy for you to say.  You have no debt.  You have income.  This will not work for me because of…

I have had enough!  No more! The FACT (regardless of how one feels about a situation) is that you CAN win with your money.  You CAN become debt-free.  You CAN save for retirement.  You CAN own a house some day.  You CAN pursue a dream.

To those who would say, “Joe, you have no debt.”  I would respond by asking them if they have ever read my book, I Was Broke. Now I’m Not.?  I was up to my eyeballs in debt!  While I pursued debt freedom, my wife had to have not one, but two major surgeries with huge deductibles that we had to pay.  Since we have become debt-free, we have experienced other surgeries, failed heat pumps, a fixer-upper house, a failed transmission, and many other expenses.  If we could endure this and become debt-free, so can you!

To those who would say, “Joe, you have income.”  This is true.  My hero, Dave Ramsey, has said it many times.  There is a good place to go when you are broke – to work – it is a sure-fired moneymaking scheme!  I have always worked.  Always.  I might even be called a workaholic, but the fact is that I will not accept unemployment.  I have spent the time and money to obtain an undergraduate degree.  Once I earned a job in the workplace, I spent the time and money to obtain a graduate degree – all while working a full-time job, being a husband, and becoming a father for the first time.  But I will tell you that I have worked jobs that were horrible too.  I have cleaned confinement hog buildings and “maintained” the hogs (no further details here – but it was awful) – all for minimum wage.  I have cleaned horse stalls and green broke race horses.  I was trampled by one, stepped on a nail while climbing the fence, and scooped horse dung all day long – for a few cents more than minimum wage.  I worked at Taco Bell.  I worked in a smoking hot steel mill.  If I could do this, so can you!

You CAN do this!  No matter what your doubters say.  No matter what your family says.  No matter the frustrations of accomplishing it.

STOP saying you CAN’T do it, and START saying that you WILL do it.

Have you had your IHHE moment? Tell me about it below.