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Wednesday, October 5, 2011

Autumn is here!

I have spent the morning reading about how to get organized and save money...so many good ideas!
Of course, extreme couponing is all over the internet and tv, but it isn't realistic for most of us...I know Kroger would not allow me to walk out of the store with $37 of their money, and 128 bottles of aspirin! I am making myself stick to a budget this week for groceries and use the coupons from the Sunday paper and the downloadable coupons from Kroger.
To organize the coupons, I am going to make a file folder with an old daily planner. I guess recycling is saving money, too!
i need to pay off a credit card i used a little too often this year, (visit to watch basic training graduation, high school graduation, senior pics, military ring, birthdays,sports and fees, good bye parties, vacation to Florida, etc...) That bill just never seems to go away and guess what- Christmas is only 11 weeks away!!! I am determined to pay off one of the two I have been using to survive this year! I am realistic that the second won't get paid off until after the beginning of the year.
If you have never had to pay off a couple credit cards or large bills, the best idea I have heard of so far, seems pretty simple.
pay the smallest amount you can on the bills with the lowest percentage rate. Pay the largest amount you can on the bill with the highest interest rate. when THAT bill is paid off, use the money you used to pay on that bill towards the next bill or card.
I have ongoing medical expenses, so sometimes this works, and other times...I do what I can. Praying that the next president will be able to turn the economy around and put people back to work. we have been very fortunate this year and I hope it pays off in the end. until then, i will keep clipping those coupons!

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