2019 Financial Goals – Working Together

Declutter & Budget this month for the New Year; 2019 Financial goals. We all know we set goals for the New Year and rarely keep them and that is mostly as we have ourselves set up for failure. Many people celebrated New Year’s Eve so their motivation to do anything the next day is slim to none and well if you screw up the first day why bother, right? January, a large majority of people have much less money as cheques came in early in December and are long spent, people overspent for the holidays so now they are paying for it.

Getting set up financially and decluttering your house can be done in a limited time and done correctly if we do it little by little.

Each day we will post simple things to declutter, and ways to get on track a bit more financially.

Moving Forward the Daily Decluttering Post will be found here!!

January 1

  • Join Swagbucks  It is a great way to earn gift cards. I earn hundreds of dollars in gift cards. I will be spending time this year to show us how to make the most. It is free so what do you have to lose? Start with the surveys and daily goals to start. I score 90% of my Amazon gift cards from Swagbucks.
  • Make a quick list of your expenses such as rent, power, oil, and internet.
  • Grab copies of any of your bills that show how much you pay exactly and what you get for that amount. An example would be your cell bill.

January 2

January 3

January 4

January 5

  • Check the monthly bills that you pulled out, twice See why
  • If you have not joined Checkout51, make sure you do it on your device and your spouses to maximize your savings.
  • $50 – Can save you thousands off your mortgage, no joke

January 6

  • Great tips on how to reduce food waste. Why waste what you buy?
  • While you have your bills out check your electric bill. Then click and read our article on how to reduce your power bill. You shouldn’t need to pay more than necessary.
  • Whoops It rang up at the wrong price, what price do you pay? What if I told FREE. Read about SCOP here

January 7

January 8

  • If you pay for cable services or satellite start a journal for the week. Keep track of what channel or network you’re watching, and how often you watch something on that channel and then have a look at your cable or satellite bill and see if there are any places you can cut costs.
  • Secret tip: You can print 2 of each coupon per browser per computer Click here to start printing savings. **Please note Coupon Nannie earns 1 cent per coupon printed via this link.
  • Follow Coupon Nannie on Twitter and you can see lots of extra contests, Twitter parties and more

January 9th

  • Need a part for your car? Call the local junkyard. You can save hundreds of dollars. My husband needed a new tailgate for his truck, but going to the junkyard he saved a couple of hundred dollars.
  • Get to know when gas prices go up and down and fill your tank. In Nova Scotia, our gas prices go or down the day after New Brunswick and are usually the same, so if they fall ours will.
  • Ensure you go to the gas station that has the best “points” value or rewards. I use the one by the Super Store and get PC Plus Points. We have 2 vehicles in our home so getting the best bang for your buck is important to us.

January 10th

  • Buy a nail cutter, great deal here at amazon and do your own cat and dog nails. You can save a ton of money than getting a vet to do it or a groomer. These are super easy to use.
  • Brushing your cat’s and dog’s teeth is great for their health and will keep them healthy longer. Amazon has great brushes
  • Do not buy flea and tick medication at stores such as Walmart, etc. Always use vet-recommended medication. You do not need to buy it from the vet, I save money and buy mine here. The medication on the shelf can hurt your pets, they do not work and are dangerous to many pets. This is one of those areas where it is best to spend a bit more as you will save in the long run.

January 11

  • Get to know when things go on sale at your favourite stores. I know my local Superstore; if I go first thing in the morning I can probably get yesterday’s salads, pre-made fruit bowls, and onsite juice; if I go after supper I can get marked-down deli, bakery, and meat.
  • Familiarize yourself with the colour of the discount stickers in the stores, Love our pink stickers at our Superstore means 50% off, where they keep their coupons (They have a coupon board as soon as you walk into the main store and have coupons under some products throughout the store)
  • Familiarize yourself with what products are often put products on the box such as Taco Kits, Cereal Boxes, Frozen Chicken products, Granola bars, etc. Often you can gain some great coupons such as $5.00 off vegetables, Free Juice, and $4 off Chicken. If you’re buying the product anyway, you might as well grab the box that has the coupons on it.

January 12

January 13

  • Join Groupon to save on many things, especially local things. I picked up some awesome deals for March break at over 50%off
  • If you have children, familiarize yourself with what restaurants offer “Kids eat free” as often you can eat at a nice eat-in restaurant for the same price as fast food with the Kids eats Free deal.
  • Check your local restaurant’s websites, many have apps or coupons for free appetizers or other deals; many can be combined with “Kids eat Free” deals.

January 14

January 15

January 16

  • Know what stores your shop at and when and if you are eligible for discounts. Lawtons gives students, including those in grades 10-12, a 10% discount every day with a valid student ID.
  • While many new deals start on Thursday or Friday a few starts early, if it is your favourite store such as Giant Tiger, know that their flyer starts on Wednesday and you can see them anytime on reebee
  • It’s a great time to start meal planning. If you can plan your meals around the deals, it can allow for much more variety at a much lower cost. You don’t need to be perfect the first week. It takes time.

January 17

  • If you’re going to use “jay” like clothes, grab them at Dollarama but make sure you get them in the automotive section as you get 50 for the price of 5 in the kitchen section.
  • Check Dollarama for grocery prices on items such as spices and packaged gravy.
  • Do not get caught up in the “Dollar Store” theme and just start loading your cart with items. There are many things you can get cheaper in the grocery store such as cleaners and people just get caught up.

January 18

  • Check the Bulk Barn as they often have coupons in their flyer or online
  • Buy items such as the small amounts of spices for specific recipes instead of purchasing the entire bottle of a spice you will never use again.
  • If you wanted to “try” items, this is the place to do it; you can buy very small amounts and if you do not like it you do not need to worry about dishing out a few bucks, you would have only spent a few cents.

January 19

  • Cut open that toothpaste container; there are a few more uses in there.
  • Put water in those shampoo & conditioner containers; you get a minimum of one good use.
  • Laundry Detergent, Liquid Fabric Softer, etc, all of those add a little water and get that last bit out of the bottle; after all, you paid for it.

January 20

  • Add some vinegar and water to a bowl and soak wilted vegetables to freshen them up
  • A handful of baking soda down the drain with a 1/2 cup of vinegar and close with a plug for 20 seconds. Rinse with hot water – To Unclog a drain.
  • Clean and disinfect wood cutting boards with full-strength vinegar.

January 21

  • Fabric Softer Sheets – Cut them in 1/2 and you will still have lots of power.
  • You can use them more than once so technically you could get 4 uses at least from one.
  • Used fabric softener sheets are awesome for cleaning mirrors, screens and such and leave them link-free.

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