I have always been frugal. I am even more frugal as I get older and the economy has forced me to be more frugal, to stretch the almighty dollar. I access web sites, use coupons, go to clothes/food giveaways all in the effort to pay my bills and saving as much money as I can. Sometime it is a struggle. But in the end it is worth it. The corner stone to my keeping me on track is organization. I have it down to a very manageable system. There are some days when things fall behind, but for the most part, it works, at least for me. Let me break down my schedule for you.
Now this schedule can change due to emergencies, appointments,outings or I am just to tire to move. There are times when I will tweak this schedule to fit my needs, but basically, this is it. It keeps me on my toes and lets everyone else know what to expect. Easy as pie.
By Georgetta Ruth from Waterloo, IA
A place for everything and everything in it's place helps my busy life run much smoother and it saves money too! When new statements arive, replace the old and shred. In the event of a fire, natural disaster just pickup the binder and GO! If there is an unexpected death, theft of a wallet, accident or other tragedy you'll have all policy numbers and phone numbers at your finger tips. This will hasten the payments due to you in your time of need and give you great piece of mind. Include copies of your prescriptions too!
Have your paycheck automatically deposited to your account if available through your employer. This way bills can get paid even if you are on vacation! No more late fees.
My girls do all their summer shopping in April and their back to school shopping in August. I do Christmas shopping in November. I also stock up on seasonal gifts for my secret pal, Sunday school teachers, accountability ladies, etc on these trips.
This may seem a bit compulsive to you but I didn't start all these lists at the same time. Select the ONE that will simplify your life and give it a shot! You'll be glad you did
By Diana from Prospect, KY
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