Finance
Personal Discipline
Personal discipline. Do you have it? Or do you lack it?
Signs of personal discipline in personal financial management:
- Waiting at least overnight before making a large purchase decision
- Balanced checkbook
- Monthly spending plan
- Saving every paycheck
- Giving every paycheck
- Organized financial documents – including insurance EOBs
- Credit cards paid off in full every month
- Regularly obtain credit report to ensure it is accurate
- Married couples – both know where the money goes and how much they have saved
- Singles – established accountability
Signs of poor personal discipline:
- Overdrafts
- Disorganized records
- Late payments
- Credit cards balances not paid off every month
- Spouses not working together
- Impulsive spending decisions
- Little or no saved money
- No giving
What would you add to either list?
SERIES: Save Money On Groceries – Aldi
Welcome to the latest series from the I Was Broke. Now I'm Not. Team – Save Money On Groceries
Ready to save $100 – $200 every month on groceries? Read this series, and we will show you how!
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!
SERIES: Save Money On Groceries – SouthernSavers.com
Welcome to the latest series from the I Was Broke. Now I'm Not. Team – Save Money On Groceries
Ready to save $100 – $200 every month on groceries? Read this series, and we will show you how!
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 eleven 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!
SERIES: Save Money On Groceries – TheGroceryGame.com
Welcome to the latest series from the I Was Broke. Now I’m Not. Team – Save Money On Groceries
Ready to save $100 – $200 every month on groceries? Read this series, and we will show you how!
TheGroceryGame.com
TheGroceryGame.com is very similar to Couponmom.com in the way it lists the best deals matched with coupons to give you unbelievably low costs on groceries. However, the sight is not free. It costs $10 for each two month period for the first grocery store and $5 for each additional grocery store. The advantage to this site is that it has a much larger database of available stores. So if your local grocer is not on the Coupon Mom list you will probably find it here. The site does pay for itself many times over and is worth the money if you cannot get the stores you need from CouponMom.com.
You can sign up for The Grocery Game HERE.
Have you used The Grocery Game? Share your stories!
SERIES: Save Money On Groceries – CouponMom.com
Welcome to the latest series from the I Was Broke. Now I’m Not. Team – Save Money On Groceries
Ready to save $100 – $200 every month on groceries? Read this series, and we will show you how!
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:
- Obtain Sunday newspaper coupon booklets (issued by SmartSource, RedPlum, and P&G)
- Mark the date issued on the coupon booklets – do NOT cut the coupons
- Sign up to CouponMom.com (click HERE to sign up – it is FREE!)
- Every week, go to CouponMom.com and pull up your store’s deals under the “Grocery Deals By State”
- 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.