Showing posts with label practical family savings. Show all posts
Showing posts with label practical family savings. Show all posts

Monday, October 22, 2012

Cutting The Cord... To The Cable Box

Making the choice to do away with cable or satellite can be an amazing experience! Let's look at this option.

Did you know the average cable bill in 2011 was $78!?!?! By disconnecting your cable not only will you be lightening your monthly bills from anywhere between $20-$120 month, but you will also be free-ing up your time. 

If you not willing to go completely without TV, replace your expanded choices with a digital TV conversion box (costing around $35) allowing you FREE local television channels. Or at least consider viewing you package options. Also look for other places to replace cable. Borrow free DVDs from the local library (ours allows up to 10 at a time per person - that's a lot of screen time). Look for other activities that you can do. We enjoy playing card and board games. How about settling in for a good book?

I guess the point is, we are typically spending more than we should on home entertainment. Explore different opportunities on ways to spend your money and time with your family and by yourself!


Friday, October 19, 2012

Avoiding Utility Bill Spikes During Peak Seasons


It's that time again! We've had a few weeks of nice weather where we didn't need heating or cooling, but the nights have become very chilly and we've flipped the switch to warm the air several times late in the evening. All this means is that soon those higher gas bills will start rolling in. So, here's a tip I've used to take the sting out of those spiking bills.

First, I went online and viewed my past 12 months bills cost. We live in a 3 bedroom/2 bath ranch around 1700 sq. ft. and my bills may vary from yours depending on where you live.

Here's an example of my summary*:


*I can view most of my bills online, but if you can not, ask your utility company for a summary.

Last year from March until February of this year, I paid around $727 for gas services. If I divide that by 12 (months) it averages to $60.58. So, if in the down months I start paying this amount instead of the $25 or $30 due in June and July, I will accumulate credit on my account. This will curb the cost of my gas bill when the $100-$120 bills roll in during the winter. In fact, I typically will pay more than the $61 (maybe $70-$75), that way when December arrives I have enough credit to pay that month completely and my budget for Christmas shopping is not affected.

Now, many companies will offer Budget Billing options and they are often great too, but I like being in control of this myself. That way I have flexibility with how much extra I want to pay each month. This could fluctuate depending on our family budget each month.

The point is, it's easy to take the sting out of those unexpected high bills by preparing well in advance when it's much easier on your budget! So, if you gas heat, I urge you to start now with your electric bill while you are not cooling it's on the down-slide for winter. Don't hesitate, get those bills out and start prepping!!

If you are looking to prepare for the holiday months, like I do, start asap in preparation for 2013 with all your bills paying even $5 extra or more on each if you are able!


Like this tip? Please share using any of the links below 

Wednesday, October 17, 2012

Banking tip: Go Paperless

Check with your bank about Paperless Banking or E-Banking. Our bank has completely waived banking fees all together as long as we follow certain banking steps.

All your banking will be done online and you will no longer receive a statement in your mailbox. Rather, you will get an e-statement in your e-mail that can be printed if you feel the need to have a hard copy.

Some banks have other conditions like our bank where you solely use the ATM for transactions such as withdrawals and deposits.

With the mobile apps available today, our banking is even as easy as clicking a picture of our checks to deposit them and dropping them in the mail! We never have to even go to the bank! :c)

Tuesday, October 9, 2012

FREE Savings Super Saturday Class - Holiday Edition


Nov 3rd, 2012

Kentucky Savings Group

Savings Super Saturday

HOLIDAY EDITION


Learn how to coupon like a pro, shop wise every time and
cut down household expenses in the most practical ways ever!

This FREE event is being extended in time to include our tips to savings for the holidays.

10 a.m. -  2 pm.

LUNCH WILL BE PROVIDED

Hillvue Heights Church

Bowling Green, KY

>>Please Pre-register by clicking here<<



Monday, October 8, 2012

Family Savings Tip: Don't Play Hide and Seek

The best advice I can give to families that are SERIOUS about saving money is this:


Lay all the cards on the table.

Until all the major players in a family's finances are on the same page with where EVERY single penny goes, the plan to get ahead will always fail. 

Don't punish one another's for past financial indiscretions any longer. 

Just move forward TOGETHER, HONESTLY.

No more hiding purchases and debts.

This being said there's not a BOSS, you are PARTNERS aiming for a more stable financial life!

Tuesday, February 7, 2012

**FREE** Coupon Class - Super Saturday - Feb. 25th! 9am to 12pm Bowling Green

We can show you how!
Join us as Kentucky Savings Group Presents:

Couponing Super Saturday

Couponing 101 and Practical Family Savings


All FREE - Right Here!
 Tons of fun, giveaways, goodie bags!

February 25, 2012
9a.m. - noon
Hillvue Heights Church
3219 Nashville Rd.
Bowling Green, KY

Room 300

Wednesday, February 1, 2012

*FREE* Coupon Class!!! Bowling Green - Saturday, Feb. 25th!! SIGN UP HERE!

Join us as Kentucky Savings Group Presents:

Couponing Super Saturday

Couponing 101 and Practical Family Savings
 

ALL FREE EVENT!


We can show you how!


Tons of fun, giveaways, goodie bags!

February 25, 2012
9a.m. - noon
Hillvue Heights Church
3219 Nashville Rd.
Bowling Green, KY

Room 300