Posts Tagged ‘saving’

Does Buying a Bag of Cheese Puffs Really Matter?

We’re joining in on change.org’s Blog Action Day - drawing attention to FOOD.

One of the tenets of growing personal wealth or trying to hold onto savings, is to try to get the most out of everything. Value does not always mean more expensive, and unconscious wastefulness is equal to throwing money away.

There are two absolute necessities for life: food and water. And yet, when it comes to saving money, food is often one of the first places many people think of to try to cut back to find savings.  Why? Because it’s the one thing we absolutely must spend money on every day.

So, to save what can add up for some to be hundreds of dollars a month, we become aware of how much we are spending or over-spending on food and devise ways to receive the most we can from the fewest dollars spent. Some of the ways we can achieve this is by growing our own food or shopping local farmer’s markets. But we also spend hours researching sales and promotions, using coupons, stocking up and planning menus ahead based on what is going on sale at the grocery store, which can add up to some real savings.  But what foods, exactly, are we saving money on?

Does getting it for less mean we should be getting it at all? Does being able to get it for less mean we should be oblivious to how our food choices affect the world on a broader scale? What does it matter to us if buying a bag of empty calorie, chemical laden, processed cheese-like puffs and tossing the half-finished non-biodegradable bag into the trash may waste fuel, waste water, overtax landfills, promote pollution, affect the climate, impact the world’s food supply, contribute to the destruction of local farms and the undernourishment of neighbors right in our own towns?

It matters for many reasons, but these three simple reasons should be enough for anyone:

1) Saving money. Preparing your own meals, bringing your lunch to work or school, buying from local providers and farmers, and using fresh unprocessed food is cheaper and saves you money. As simple as that.

2) Getting nourishment from as close to the original source as possible (as opposed to a preservative & chemical drenched, nutrient-absent over-processed something-or-other out of a box shipped half-way across the world), is healthier, conserves natural resources, and causes less waste and pollution.

And, 3) Sometimes what is better for our local community may ultimately end up being better for everyone, which includes YOU and ME.

A simple example of how what’s good for a few can ultimately benefit the many is how organic foods and bulk-bin selections are now becoming widely available as a regular feature at conventional supermarkets all over the U.S. and at more affordable prices. This is largely due to shopper demand, stemming back from the little grass-roots 1960′s neighborhood co-op food movements. More vending machines and corner markets have fresh fruits and vegetables available now. More neighborhood farmer’s markets are re-emerging. The food choices you make do make a difference.

But what about the food we waste? What does that matter? Some have been around long enough to remember being a member of “The Clean Plate Club” and hearing parents and grandparents chant at every meal, “Are you a member of the Clean Plate Club? Eat everything on your plate, there are people starving in Europe.” This was not intended to get people to consume more, but rather to be more thoughtful about not wasting food and over-indulging between meals. That campaign was created 94 years ago to ensure that the limited amount of food America had as a result of World War I didn’t go to waste. It re-emerged in 1947 after the Great Depression and World War II, when food was again scarce and resources needed to be conserved as the country tried to help those struggling to recover from the war’s effects overseas. And of course, parents also conveniently gravitated to it as an easy way to  remind kids to be more appreciative of what they had.

In previous posts I’ve written about how eliminating one plastic zipper on rice packages saved thirty-thousand tons of landfill waste a month, and how eliminating or even cutting back on consuming bottled water can save an average family almost three-thousand dollars a year, not to mention reducing the stress on landfills and saving fuel. As I have mentioned several times in the past, I am not a frugal fanatic, but I also don’t like unconscious waste. I wondered, if those two little things could make such a huge positive impact, then what about that “Clean Plate Club – Don’t Waste Your Food” mentality? Does not wasting the food one has purchased really help the world and the food supply at large or not?

Luckily for me, Treehugger.com has already done the work, and they summarize just what a tremendous and far-reaching impact wasting food can have in their eye-opening articles: Discarding Food Wastes More Water than Showering, and  The Impact of Food Waste on Climate Change (and just about everything else), and Study Finds Half of All Food Produced Worldwide is Wasted. Here are just a couple of highlights:

  • 2 BILLION people could be fed for a year with the amount the U.S.A. alone throws away each year.
  • Food waste in the U.S.A. accounts for 1/4 of all freshwater consumption.
  • Decaying food in landfills produces polluting methane gas. If we simply stopped wasting food, it would be the equivalent of taking a quarter of all the cars in America off the road.

We know there are both “believers” and “non believers” on the climate and global warming issues – we won’t go round and round on that, but there’s no doubt that a waste-not-want-not attitude will never serve you wrong and won’t hurt your neighbors next door or around the world. That said, sadly, not everyone will be motivated to simply want to do a good thing by wasting less and being more conscious of food sources. The bottom line for many is this phrase used repeatedly by my 10th grade history teacher to describe the ultimate motivation behind just about every political and social decision, ”The power of the purse.” Being conscious of the quality of and process by which you receive your daily bread, and what you do with it when you are finished with it, is not only eco-friendly and world-friendly, but health-wise and ultimately wallet-wise as well.

Creative ways to  get the most from your food and budget in our posts:

Why Bank of America Employees are Bringing Their Lunches To Work

The Miracle Money Saving Healthy Grocery Shopping Tip

Vegetables Save You Money

8 Fresh Food Saving Ideas to Stretch Your Produce Dollars

Save More Money – Break the Bottled Water Habit

Use Earth Day Eco Saving Pointers Every Day, and You’ll Save Money

Beware of the Blueberry Scam

And for money-saving shopping, recipes, and serving ideas see our channels:

Link to this article: http://is.gd/ps34Gs

To follow all the blogging on the topic of FOOD today, Oct. 16, 2011: follow BlogActionDay or #BAD11 on twitter, Blog Action Day on Facebook, or visit  change.org’s Blog Action Day website.

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Ramit Sethi Busting Money Myth #3: Cut Back On Everything

Personal Finance Is All About:  Cutting Back on Everything

(Or is it?)

Here is the third video in a SpendLessTV.com Original series of three money myth-busting tips from personal finance blogger and author of  I Will Teach You To Be Rich, Ramit Sethi, Money Myth #3: Cut Back on Everything.

Ramit is known for his straight forward, unconventional approach to helping people succeed with personal finance, money-saving, and business growth. Ramit also provides insight on entrepreneurship, including in-depth techniques on earning more money and automating your finances, and in addition, he runs an online course at earn1k.com on how to turn your skills into side income.

Here now, is the third video the money myth-busting series of three from Ramit Sethi:
Money Myth #3: Cut Back on Everything

Catch the second video in Ramit’s money myth-busters series:
Money Myth #2: Spend Less Than You Earn

And, Ramit Sethi’s first money myth-busting video in the series:
Money Myth #1: Willpower

Link to this article: http://is.gd/0N9Q9a

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Ramit Sethi Busting Money Myth #2: Spend Less Than You Earn

Personal Finance Is All About:  Just Spending Less Than You Earn

Duh!

Here is the second video in a SpendLessTV.com Original series of three money myth-busting tips from personal finance blogger and author of I Will Teach You To Be Rich, Ramit Seth, Money Myth #2: Spend Less Than You Earn.

Ramit is known for his straight forward, unconventional approach to helping people succeed with personal finance, money saving, and business growth. Ramit also provides insight on entrepreneurship, including in-depth techniques on earning more money and automating your finances, and in addition, he runs an online course on how to turn your skills into side income at earn1k.com.

Here now, the second video in a series of three from Ramit Sethi:
Money Myth #2: Spend Less Than You Earn

And, the first video in the series from Ramit Sethi: Money Myth #1: Willpower

Link to this article: http://is.gd/4A52KD

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Ramit Sethi Busting Money Myth #1: Willpower

Personal Finance Is All About:  More & More Willpower!

But is it really?

Here is the first video in a SpendLessTV.com Original series of three money myth-busting tips from personal finance blogger and author of  I Will Teach You To Be Rich, Ramit Sethi. Money Myth #1: Willpower.

Ramit is known for his straight forward, unconventional approach to helping people succeed with personal finance, money saving, and business growth. Ramit also provides insight on entrepreneurship, including in-depth techniques on earning more money and automating your finances, and in addition, he runs an online course at earn1k.com on how to turn your skills into side income.

Here now, the first video in a series of three from Ramit Sethi:
Money Myth #1: Willpower

Link to this article: http://is.gd/eGWBpZ

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How to Succeed at Money Resolutions

There is timeless wisdom in the tips and ideas offered in these videos on how to succeed with your Money Resolutions… good pointers no matter what the year!

Keep Finances in Check for the New Year - Tips on keeping your finances in check for the new year from Kelli Grant, Senior Consumer Reporter for SmartMoney.com.

A Fresh Financial Start in the New Year – Financial advisor, Cindy RungerBalas, gives suggestions you can use to get your family finances off to a fresh start in the New Year, on budgeting, spending, saving and taxes.

5 Solutions to New Year’s Financial Resolutions - Money expert, Lawrence Gold, gives his 5 top financial tips to surviving the credit crunch by adopting a no-strings-attached lifestyle for health, transportation, cell phones, and vacations!

New Year Financial Resolutions - It may be hard to know which New Year’s financial resolutions are best for you. To make it easy, here is a way to approach making your financial resolutions from Fatima Mehdikarimi, founder of TheShoppingQueen.com.

Financial Bootcamp Online - The new year is a perfect time to get on the financial track. Kim Harris, from Armstrong Advisory Group, gives online sources for financial boot camps to help you quickly tone up your budget!

More in our blog post: 5 Steps to Make Resolutions Stick

Link to this article: http://is.gd/HtrunD


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More Money Saving Holiday Shopping Tips

It is possible to keep your savings growing during the holiday shopping season if you shop wisely.  These holiday shopping and saving pointers will help you stretch your dollar, while giving great gifts – and your bank balance will thank you!

Holiday Money Saving - U.K. financial expert Jasmine Birtles gives holiday money saving ideas on gifts and presents with solid pointers that will save you big no matter where you live.

Holiday Money Saving Secrets – Tennessee Valley’s WDEF TV segment gives ways to stretch your holiday budget with tips to shop smarter using coupons, bonus buy deals, and  online rebates…. one technique actually puts cash back in your bank account.

Online Holiday Shopping Pitfalls – Ordering online offers convenience & sometimes better prices, but there are pitfalls to online purchasing. MoneyTalksNews advises on what to look for regarding pricing, shipping, returns, e-bay, and payments.

How to Give Holiday Gifts Under $25 -  Ideas on where to shop for unique & thoughtful gifts at under $25 from Mahalo.com.  Stores, retailers, online resources, and creative DIY ideas to keep your gift-giving abundant & affordable.

More budget-friendly gift ideas:

Link to this article: http://is.gd/56dbG9

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Spend Less – View the 5 Top Money Saving Tips

GundersonFishman

See the video: Money Saving Interview – 5 Top Spend Less TV Tips

Okay, we know, we’re tooting our own horn here… The video for the picture above is: SpendLessTV.com co-founder, Michael Fishman, being interviewed on The 5 Tracks of Wealth radio program on the Producer’s Power Hour, hosted by personal finance coach and author of New York Times bestselling book, Killing Sacred CowsGarrett B. Gunderson.

Garrett reveals insight on how to live better while growing your savings at the same time, and has SLTV’s Michael Fishman revealing 5 Top Tips so you can keep more of your money in your pocket.

Don’t miss Garrett’s other helpful videos in the SLTV Exclusives programming section. Garrett’s clips cover the topics of saving money on taxes, lowering your interest rates, and pointers to stay on top of your credit score.

And, for the first time ever, we’re making this video available for embedding! So if you’ve found valuable info here, please download the file and pass it along!

Embed this video: Click Here To Start a Download of This Video

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Coupon Confessions and a Spot of Tea

I need a spot of  chamomile tea to soothe my coupon-crazed nerves…

Okay, I confess… I don’t really drink tea.  And, I don’t always use grocery coupons.  I want to.  I have a basketful in the kitchen and a file full of them in the car. But when I’m in a hurry or in the spur-of-the-moment, which is often, I forget.

In theory I’m pretty keen on the idea of shopping for groceries with coupons, but in reality, admittedly, I’m far from the best. Through managing the SpendLessTV.com site I get so many really excellent coupon grocery shopping strategies from fellow money-savers and still, I feel overwhelmed.  I know I’m just the type of shopper manufacturers, grocery stores, and supermarkets are banking on. They’re banking on the fact that most people won’t make use of the coupons.

Don’t get me wrong, coupons are a fantastic and easy way to save a lot of money, but there are times when I’m  just not able to use them, even with the convenient opportunities  like Online coupons and  cellphone coupons.

There are plenty of Grocery Coupon Masters out there who excel at the skill of couponing and operate the coupon saving system more smoothly than bank accountants.  I’m in awe of their abilities.  But for me, coupons and tea have a lot in common:  I love the idea; I want to enjoy all the benefits; I have dozens of varieties on hand,even if I don’t get to actually use them.

Am I the only grocery coupon-challenged money-saver out there? No. So it’s a good thing there are easy ways to save money at the grocery store without using coupons! Yes, there are basic strategies that will help you save money during those times you may find yourself in a coupon-pinch!

Thank goodness for these (non-coupon grocery shopping strategy) video tips:

Which Grocery Shopping Technique Saves Most? - CBS’s Harry Smith examines grocery shopping techniques.

Trim Your Grocery Bill & Do It Without Coupons! - Ellen Damaschino, professional organizer, grocery shopping expert.

Shop Organic Money Saving Tips - NY Times Best Selling author of Georgeously Green and The Gorgeously Green Diet, Sophie Uliano.

Never Clip Safeway & P&G Coupons Again - KXLY, Spokane WA TV reporter,  Colleen O’Brien.

See More coupon and non-coupon food shopping tips in our Channel:

Link to this article: http://is.gd/bzyV4Q

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