Lesson 4. Don't be cheap to yourself.

I will be the first one to tell you that I like nice things.  I always have.  I asked for a Gucci purse when I was in the third grade which is not a typical request of an 8 year old.  My mother provided my brother and me the best and we usually received whatever we asked of her.  My mother made many sacrifices in order to provide us with all of these requests.  However, there were many times when she made sure she received nice things.  My love for designer handbags did not come out of the air.  She purchased several for herself.  She loved to shop and that is where we spent some of our best times together.  Parents (Mothers especially) must sacrifice for their kids.  However, we must not deny ourselves of everything in a quest to provide the best for our kids.  It is okay for you to buy yourself something nice occasionally.  You work hard and you deserve this.  
 
Outside of the designer clothing and handbags my mother always made a point to purchase quality items.  Whether it was fruit juice or a car she wanted to make sure it was something of quality.  I recognize that times are difficult financially for us all and there is a need to tighten our budgets.  There are several ways of saving money.  I am a coupon queen and do not go to the store without my coupons.  What we should not do is think that the least expensive thing is the best option or the only option. You can purchase things that are not the most expensive without sacrificing quality.  
 
Most people usually have certain things that they will pay a higher price for to achieve the quality they want.   For me, I will not buy cheap toilet paper in order to save a buck or two.  I will admit it is hard for me to understand people who buy cheap toilet paper because I think you end up using more toilet paper so you really don’t save any money.  For you it may be shoes, electronics, or particular brand of something.  As I stated, most people have something.  If you do or do not have something, take a personal inventory and see if you are being cheap to yourself.  You are worth more.  

Make your health a priority

Lesson 3. Make your health a priority.
 

I remember coming home from my first semester of law school.  I was exhausted but so happy to be home.  I sat around with family and we talked and laughed for hours.  As the evening progressed, everyone left and it was just me and my mother watching television.  She looked at me and whispered, “I’ve got cancer.”  In my mind my mother was everything to me.  She was the sole provider for me and my brother, the backbone of our family and a helping hand for many others.  I could not comprehend how any of us would make it without her.  
 

As I sat there in shock numerous questions ran through my head.  Why was she whispering?  Was I the only one who knew? What are we going to do?  My mother sat calmly and answered these questions and many more.  After a year of chemotherapy and remission the cancer returned.  My mother died on December 21, 1999.
 

After her death I replayed many times we had together in my head.  I remembered her saying to me several months prior that her breast did not look right.  I believe that my mother knew she had cancer long before the doctor told her.  She did not go to the doctor for regular check-ups.  She was always too busy doing this, helping that person, going to a meeting and she did not make time for her own health.  My mother had rheumatoid arthritis, diabetes, bunions and breast cancer.  However, it was not until each of things became a serious problem for her that she addressed them.  She literally had to be hospitalized for diabetes for her to deal with that health issue.  Unfortunately, this is not a story I have about how my mother displayed these great acts or characteristics.  This is about me learning from her mistake and hopefully helping you do the same.  
 

As I became a woman I realized that my mother did not talk to me about going to the gynecologist to get check-ups.  I learned about this from my friend.  If it was not for my friend I could have probably would not have known the importance of regularly check-ups.  These check-ups have helped me prevent minor issues from turning into major issues.
 

We are all busy people.  Nonetheless, we tend to make time for things that are important to us.  You must make time for you.  Your health is very important.  I remember a judge always telling parents in Family Court that when you are on an airplane they tell you in case of an emergency to put your mask on first.  You cannot help anyone until you help yourself.  This is another area where women tend to have a problem.  They are so busy making sure everyone else is okay that they neglect themselves.  If you really want to make sure everyone is okay you must work to stay around to see for yourself.  Take care of you.

Lesson 2. Do it because you want to help.

Do it because you want to help not for any reward or accolades.   After my mother died in 1999 I can recall my family moving and having so many boxes of my mother’s belongings.  There were several boxes with awards and certificates from different professional and community organizations.  Many of these awards I never knew she received.  She also had many more in boxes and drawers at her office.  My mother did whatever needed to be done.  Many people recognized her hard work and appreciated her, but many did not.  This did not matter to her.  She did not help people for recognition.  Her actions were based solely on her true desire to help people.     If you are really trying to help people your true motive should be the honest desire to help.  Do not do anything just to receive recognition, reward or accolades.  When you are working hard to help people in any situation if no one ever knows you did whatever you did it should not matter.  The only thing that matters is that it is done.  

Lesson 1

1. Don't ask anyone to do something you wouldn't do yourself.   My mother worked tirelessly in our community.  I do not mean just sitting at her desk working late hours.  Whatever needed to be done she would see that it was done.  You would see her cleaning, cooking, washing, writing proposals, driving the elderly to the grocery store and holding babies in the day care.  One day she was scrubbing graffiti off of the walls.  My uncle was asked, “Loretta, why are you doing that?  Somebody else could do that.”  She responded, “Don’t ask anyone to do something you wouldn’t do yourself.”   My mother was considered the boss.  She had many people in numerous positions reporting to her, but that did not matter to her.  She believed that there is no position too low for anyone.  If you are going to ask someone to do something then you must be willing to do it yourself.     This is a valuable lesson for me.  So many times we see people get degrees, promotions and positions and they begin to think they are too important to do some of the “small” things.  We want these things done but we aren’t willing to do them ourselves.  Although it may be things that you may not have to do, please do not confuse this with things you are not willing to do.  The only thing beneath you is your feet.  

Things my mother taught me

I loved my mother dearly.  She was a strong black woman who loved her family and her community.  After reflecting on many events that occurred throughout her life I realized there were many valuable lessons.  These are lessons we need to be sure to teach our children maybe even ourselves. Over the next 8 days I will share these lessons with you and hopefully I can help somebody.

5 Rules for Successful Savings When Using Coupons

5 Rules for Successful Savings When Using Coupons

By now we have all heard about the women on TLC’s Extreme Couponing who save thousands of dollars using coupons.  While I commend them for their efforts, I personally do not have 60 hours a week to devote to gathering coupons.  Nor do I wish or need to have 60 bottles of mustard in my home.  As I have said in previous post, there is money to be saved in couponing if you do it correctly.  So far this year I have saved about $450.  While this doesn’t seem like much compared to their massive hauls, if I save $100 a month I am pleased.  

Try these 5 simple rules and see if you can save some money.

     1.  Know what your coupon states.

This is VERY important.  I have learned from making this serious mistake too many times.  You must read the entire coupon to learn:

-Value of discount?

-What does the discount cover?

-When is it valid?

-What is excluded?

-Can it be combined with another coupon?

Knowing this information can prevent you not maximizing your savings or even worst you not being able to use the coupon.  E.g.  The coupon starts on Wednesday and you show up on Tuesday.  

2.  Know the stores coupon rules.

Every store has different rules for using coupons.  You cannot truly maximize your savings if you do not know the rules.  You should know:

-Does the store double coupons?

-Is there a limit on how many coupons you can use?

-Can you combine coupons?

To help you with this here are a few rules for stores I frequent.

Kroger doubles printed coupons up to 55¢.  It is important to know they do not double digital coupons loaded to Kroger card.

Walgreen’s will allow you to use a Walgreen’s coupon, which is in their weekly circular with a manufacturer’s coupon for the same item.  Remember you must take the circular to the register and allow the cashier to scan coupon because it is not an automatic savings.

JoAnn’s Fabric accepts competitor’s coupons.  However, please note the same exclusions apply.  Therefore, you can take a Michael’s coupons to JoAnn’s and use it for anything except fabric because Michael’s coupons usually excludes fabric.

JCPenney will allow you to use the 15% survey coupon in addition to any other coupon.  If you look at the bottom of your receipt there is a code to complete a customer survey online.  Complete the survey and get a coupon for 15% off.  These can only be used once every 30 days.

3.  Know where to get the coupons.

As stated in previous post, you can use the Sunday paper to get coupons.  If that is not your cup of tea, you can also go online and print coupons.  Many of the same coupons that are in the weekly paper are available online.   Don’t only focus on grocery coupons.  There is much more savings to be made on coupons you can use in the mall or other stores.    

Great sites to visit:

www.coupons.com

www.couponmom.com

www.printable-coupons.blogspot.com

4.  Comparison Shop

Again, I know most of us do not have several hours a week to devote to price comparisons.   However, if you go to www.couponmom.com  the site actually has a list of the deals for the week and how much you can save using coupons.  

5.  You’re not saving if you didn’t need or want it anyway. 

This is one of the biggest problems I have with the Extreme Couponing show.  There was a lady on the show who had 4000 diapers and did not have a baby yet.  Even if she got every one of these diapers for free she is wasting valuable time and energy for diapers she may never use or realize she does not like.  

My rule is I don’t buy things just because I have a coupon.  I am still brand loyal on many things.  Therefore, I only buy the things I would have purchased anyway.  Do not get caught into the trap of you have to spend $100 to save $10.  If you were not going to spend $100 anyway (or at least $90) don’t do it!  Don’t buy 10 of something to save 40¢ unless you were going to buy that much anyway either that day or in the near future.  If you are spending more than you would have then you are not saving money.

Hopefully these simple rules will help you.  

Put your phone to work for you. Helpful Apps

It has been quite a while since my last post.  While I have been busy with life in general, I am also busy trying to find ways to improve my life.  After having a conversation with a good friend of mine, it was brought to my attention that I needed to share more of the helpful tips and information I find.  As a result, this week I am sharing Apps you should check out. 

In this high tech world we live in today everyone is attached to their smartphone.  (Even the dumb people, but I digress). We use our phones for everything.  This can be good or bad depending on your view of technology.  If you are willing to embrace technology there are some apps that can help.  I will have to set out a standard disclaimer before making any suggestions.

Disclaimer

1)      I am in no way affiliated with any of the companies, providers or designers of any of the apps suggested.  In addition, I will receive no financial benefit if you download any of these apps.

2)      You may have to agree to provide information for the use of these apps including but not limited to, GPS location, phone call, SD card info and much more.  Please read all permissions BEFORE downloading any app.

3)      All of the apps I am suggesting are in the Android App Market.  If you have an Iphone you may or may not be able to find the same app.

4)      I like these apps, but you may find no need for them at all.  If I suggest an app for something you never do or will do not waste your time or memory downloading the app.

Now that I have got all of that out of the way we can get to the apps.

Job Search        
So you’re looking for job.  These days there are hundreds of job posting jobs that you can spend numerous hours searching.  The app Hire-a-Droid searches the following sites LinkUp, Beyond, Simply Hired, Indeed and Careerbuilder in one quick search.  You can enter in search terms such as location, position, or title and search all of these sites for available jobs. 

Christian inspiration 
                                                             Daily Bible

We all should read our bibles daily.  There are several forms of bible apps on the market.  I found that the Daily Bible app is wonderful.  This app gives you a daily verse, daily reading (for those who want to read the entire bible in a year), and a variety of daily devotions.  There are numerous audio or written daily devotions such as Our Daily Bread, My Utmost for His Highness, Praying with Paul and many more to choose.  It also has a bible search function which allows you to search for particular verses. 

Walgreen’s   

For those who use Walgreen’s for prescriptions or photos this is a must have app.  First, you can use your Smartphone to scan the barcode of your prescription and order a refill.  Quick and easy, just the way I like things.  Second, if you use Walgreen’s to print photos, you can upload your photos right from your phone and order prints.  In a day where every minute counts I can appreciate these time savers.

Sharing information  

Since I have a 6 month old daughter my husband and I are always taking pictures.  Actually, I’m a photo fanatic so I can’t really blame this on my daughter.  Anyway, we take a lot of picture with our phones.  The wonderful thing about the Bump app is I can bump photos I take with my phone to my husband without having to send it as a text or email.  With the Bump app you can share contact information, photos, or apps with another smartphone user.  The up side to this app is that it does not matter if it is an Android or Iphone you can share information.  I am the one in my house always getting new apps or pictures so now I just bump it to my husband.

Baby Milestones    

Before I had my daughter I use to scrapbook and do all types of crafts.  After the baby I have not had a chance to do this as much as I would like.  Nonetheless, I do want to make sure to keep up with important milestones and accomplishments.  Baby Milestones app allows you to log these milestones and accomplishments and attach a picture.  I have found this to be helpful and makes me feel like I’m not a complete slacker in saving memories for my daughter.

This concludes my suggestions for this week.  I cannot give you all the great tips in one blog because 1) my husband will say it is too long and not read it; and 2) you won’t come back.  See you next week.