FRUGALITY- "Prudence in avoiding waste." (

Why This Blog?

I am on a pretty strict food budget; I also pray that my family and I will never go hungry, so after so many years of being creative with limited food supplies and money (including a three-pound whole chicken turned into 13 meals for the 5 of us), P-R-A-Y-S became a food and household budget philosophy. It can be anything that keep you in line with your budget. Like PORTION, ROTATE, ANTICIPATE, YELL (from joy of having money left over) and SAVE. Each post will show how this philosophy was broken down with every dish and budgeting I share. So hold on to your wallets and stay tuned!

Tuesday, July 13, 2010

Who Knew You Can Find Money, too?

From April 5, 2010 Family Blog:

(Photo courtesy of Finance with AFP)

When it comes to money, I prefer earning and saving over spending anytime. Am I a miser, some may say that but of course with a family, even being a miser is not always feasible.

So... I've made sure that I find money, too! Yep, I find them! Meaning, I look at all the deals and promos out there-not ignoring any mail that comes in with offers.

For example, in mid-March, we've researched and researched the price ranges of the style of refrigerators (french doors, freezer bottom) I wanted. When the time came, I even considered buying the classic style (two doors, freezer top) to stretch our budget, but by sharing this idea with a good friend of mine, she referred me to a Sears Outlet Store that mainly dabbles in appliances.

We looked around the refrigerators and making sure not to resort to "need to pee-pee" dance like movements, I quietly approached MY fridge. The one that I've been hoping to be able to afford for years now. Brand spanking NEW! As in "just came from the manufacturer assembly line, but got rejected so it ended up in the outlet NEW!" The inside smelled of styrofoam, plastic and tape because the whole inside was filled with them! So cool!

And for $1,000 LESS. SAVED MONEY!
I was able to use that money to pay for NEEDS that popped up like new clothing for school and work and shoes for school and prom plus AP tests, my graduation pictures, Spring pictures, lunch money and various moving expenses AND NOT BREAK THE BANK!

Then, we came across a bank offer of $125 for opening a new account with a minimum and direct deposit. So we did. In 3 weeks, that account will be $125 fatter. FOUND MONEY!

Kohl's had a TAX-FREE, 20% off for $100 or more purchase AND $10 for every $50 spent promo from April 1-3. We took advantage of that and saved tons of money for clothes and shoes, plus earned $20 in Kohl's Cash for me! FOUND MONEY!

Tonight, while picking up the mail from our house, we came across a store offer of $5 giftcard to invite my business. Then we realized that we haven't checked our apartment's mailbox. Sure enough, there's one there, too! Mr. Man "dumpster dived" to see if there are more that others foolishly threw away. Yep, three more! A total of $25 giftcards. FOUND MONEY!

The kids all had great report cards and high A's in their recent TAKS practice tests, homeworks, and projects so we treated them to Souper Salad. I had a coupon! One for "Kids Eat FREE (normally $6.39 each) for every paying adult" and the other for, "$5.99 AYCE (regularly $7.25)". We made sure we all ate "well and healthily" and... made room for some soft serve. We saved a total of $14.05! SAVED MONEY!

In the same mail stash at our house, was the new debit card for our new account, in it was an offer of $30 cash just for enrolling the card number into a program to get you started in online bill pay. And you only have to pay 3 bills to earn it! Guess what?! I have three bills to pay by the end of the month! So before April 30, that new account will have an additional $30! FOUND MONEY!

How are you doing with your money hunting? I hope you'll be as lucky as I am!

Here, we used the PRAYS philosophy by first, PUTTING together a budget and PERUSING ads for incentives. We RESEARCHED and RESERVED the good deals for when we can use them, ASSIGNED and ASCERTAINED our decisions. We also YIELDED to what our extra funds really is (minus bills, tithes and necessities) then SURPRISED ourselves with all the deals we got to enjoy!

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