Monday, January 12, 2015

Paying off Debt (Part Four)...Simple Ways to Save Money

By the time I was serious about paying off my debt I had already cut my cable bill, cell phone bill and nixed the home phone. I fixed my meals at home and eating at restaurants became a treat. In short, I had already shaved the luxuries out of my life.

Saving money does not always equal the bare bones of life. Sometimes you can save money without changing your quality of life. Here are a few ways I found to save a few dollars that are not complicated.

Watching Television/Movies:

There is an app that rewards you for watching television with gift cards. It might sound a little too good to be true but I have used it for over a year. There are a few small catches to the app as it has evolved over the years. The gift cards are posted at variable times but for someone who loves television why not get paid to watch?

Online Shopping:

There are a few ways to save money while shopping online that are easy and efficient. Let's start with the search engines:

  • One of the first sites I visit when I shop online is ebates. They offer rebates for shopping online by sending checks quarterly. Yes, they actually send checks in the mail. I have used this site for at least two years. There is also an app for people who shop via their cell phone or tablet. It is only one extra step before shopping at your store of choice.
  • Shopping portals are another way to save money. They list coupons for various sites. This site will list rebates offered for various portals from the store you are making your purchase.

Searching the Web:

  • Swagbucks is a web site that credits you with "swagbucks" that can be used to purchase gift cards. You sign into the web site and use their search function. Periodically, they credit you with swagbucks. Bonus: they post swagcodes to social media that you can enter for various swagbucks throughout the day. Another Bonus: the site also offers coupons for printing that credits your swagbucks account when you use them at stores. It turns into a great two for one deal. 

Discounted Gift Cards:
  • This site is great for discount gift cards. Gift cards are delivered to your account within 24 hours. In my experience gift cards are usually delivered within two hours. If you sign up for the newsletter you will receive notifications of gift card sales which offers an additional 5% off of the sale price. 

Every penny adds up. Think about it this way, you can buy a discount gift card for 5% off and then use the shopping portal for an additional 3% cash back and it could save you a few dollars (if you were already planning to make that purchase). Remember, you can also earn free gift cards with the search engines/apps that can be used on the shopping portals to earn a percentage for cash back on the gift card you earned for free! 

Just a few ways that I save a few dollars here and there that eventually add up. Questions? Post them in the comments and I will be happy to respond.


Until Next Time,

Peace & Blessings...

Sunday, December 28, 2014

The Cleanse - Week Four (Looking in the Mirror)

Have you ever seen yourself in the mirror? 

Have you seen the real you? 

The person who hides the insecurities, the pain and the "stuff" that the world uses to try to beat you down?

I have horrible timing because the holiday season is all about magical Christmas love, finding love, couples finding their way back to love, blah, blah, blah....I almost threw a shoe at my TV the other day. I really want film writers to find another topic. 

I am working on the other aspects on my journey. I cheated and sent a text message for a birthday on Christmas Eve. There was absolutely no reason for me to set myself up like that other than I wanted an excuse to reach out to someone who did not earn or deserve my attention. I must learn to let go. I am too damn loyal, my heart is much too big and I care way too damn much. Now if they have a cleanse that can turn that ish off? I am all for it!

What have I learned this week? Other then my rant from above? I have learned that I build my support system from my friends. They are my chosen family because my blood family is not supportive. Is that harsh? Maybe it is harsh but it is honest. And for me to move on and be able to heal and be whole I must know where I can turn for support. Why? Because we continue to hurt ourselves when we look for support in places where there are none. Luckily (or divinely) I have a few people in my life who may not be there everyday but they are supportive. 

I have learned that everyone needs that.

There are three days left in this cleanse...

Until Next Time,

Peace & Blessings...


Sunday, December 21, 2014

The Cleanse - Week Three (Realizations)

I have made it through week three of this cleanse. The focus (for me) is to work on the residue that exists when things happen. Those things that you tuck away and forge ahead from but they still leave a little something that effects you, how you think, react, etc.

I had not realized that I was on week three until my co-worker pointed out that I had made it more than halfway through my 30 days. The hardest part is realizing how much effort I put into "being something" for other people. That being something can be a great date, great conversation, listening ear or sound board. It makes me a good friend but lousy person for taking care of myself. This cleanse has made me change a few of my habits especially around the holidays. Around this time of year I would be feasting on holiday movies that force feed you the girl-runs-away-from-troubles-falls-for-mr-right-enter-conflict/misunderstanding-then-realize-they-love-each-other-happily-ever-after-let-the-credits-roll type of movie. You know the movies I speak of. They are everywhere during the holidays making everyone feel some type of way about their own situation. No wonder the instances of mental issues, depression and such are so high around this time of year. Amazing how the U.S. culture creates it's own issues.

Another thing I have realized is that I do not allow myself to feel things. I do not mean wallow, what I mean is give myself permission to feel emotion no matter if it is good or bad before I forge ahead to the next thing. I have worked this week to allow myself to feel things so I can figure out why I feel that way and if there was something I could do to fix it so it will not happen again. Sometimes I can come up with a solution and sometimes it is what it is.

My spiritual journey has allowed me to keep control of my emotions. That is big for me right now with major changes at work. It was a trying week and I was extremely proud of myself that I was able to keep my emotions in check. Not only keep them check but not give people the power to upset me. Score one for KayC!

This journey is evolving and it came at a much needed time. Bring on week four!

Until Next Time,

Peace & Blessings...