Posts Tagged ‘supermarket’

My Disappearing Shopping Fund

Comment

January 12th, 2012

My money tree is bare and the there are no new buds

I have suffered a dramatic change. I have had to move from “spending” to “not spending”. I built my personal financial system carefully over years and years of spending money, sometimes cautiously, sometimes rashly and sometimes wildly. At all times I planned, saved and budgeted, always keeping spending directly linked to earning. Now I’m in a “hold spending” period. I saved hundreds of dollars in 2011 by getting some good deals on financial products. You can do it too.

Our shopping expeditions

Years ago I fell into the habit of accompanying my wife on her trips to the supermarket. These outings ranged from ‘totally boring’ to ‘mildly interesting’ until I discovered that there’s a man’s world in the supermarket. I discovered the 10 varieties of olives, the 20 varieties of pickles and the carousel of fiery hot spices. I found the exotic cheese counter and the cheap tee-shirt rack. I bought what I fancied. My job was great, the salary package was generous and I always had money in the bank.

Job collapse

At about 9am one morning I received a phone call from the owner of the company I was managing: “We are closing down. Not enough work, blah, blah, blah… the faltering hi-tech industry, yak, yak, yak… Our shopping trips changed. I still accompany my wife. We go to the supermarket – with a list. We buy the items on the list and come home. Money saved: Considerable.

I’ve made some changes

In the good old days when I had a problem with money, my first port of call would be the bank and my friendly bank manager who would always lean over backwards to help me. That’s gone. These days when I have a problem with money I put as much distance as I can between me and the bank. I’m just another customer and I’ve never met the manager. I changed banks recently, mainly because the bank on Pine Street offered better deals than the bank on Elm Street. If the bank can treat me a casual customer, then I can treat the bank as a casual service.

Check your insurances

I had sudden urge to make sure my “papers” were in order in case I got hit by a bus. The results were surprising. Other than stuff like life insurance, pension and savings which I regard as a ‘do not open’ box unless the agent is present, I looked at such fascinating items as household and auto insurance. It’s been years since I received these policies. If you work on the basis of ‘no claims, no look’ as I do, the years slip away. I took them out and called a couple of new acquaintances in the insurance business. Surprise! The trusty old agents I had used all these years were no longer looking after my interests. They were renewing my policies every year without looking at the premiums. I replaced these policies with a new agent and saved huge amounts of money for the same coverage. I also told the new agent that I would be shopping around for new quotations at every renewal date. If the old agents didn’t look after me do I still have to look after them?

Tags: Banks, Insurance, Money, spending, supermarket
Posted in Assurance / Insurance, Business, Economy, Employment, Finance, Money, Personal / Internet, Retirement, Shopping | No Comments »

Everyone Can Use Cash Advances

Comment

April 10th, 2011

How is your credit rating looking?
Have you recently had an unexpected emergency or bill that requires a cash advance? AdvanceLoans.net can get you back on track with a speedy cash advance today. These loans are similar to payday loans and we can get you up to $1,500 with no faxing or credit checks required in most cases. You can apply from the comfort and privacy of your own home or simply over the phone.

You could have your Cash Advance in 2 hours
Our cash advance applications only take a few moments to fill out and you will know if you have been approved within minutes. Getting a cash advance online has never been easier! In most cases, upon approval, your funds could be deposited directly into your bank account in as little as two hours. Depending on your state you may only be eligible for a couple types of personal loans. Apply online today for a cash advance with AdvanceLoans.net and let us help you get your budget safely rolling back on the tracks.

Bad Credit Okay with a Payday Cash Advance
Bad credit is no problem when you apply with AdvanceLoans.net. We have a payday cash advance for any kind of credit situation when you have a cash emergency or unforeseen bill. Apply with us online today and you could possibly be able to receive a payday cash advance for up to $1,500.

Pay bills with a Cash Advance Loan
Cash advance loans can help you pay those overwhelming bills you may have. There’s no reason to fall behind on your finances when cash advance loans are available to you through AdvanceLoans.net. Our lenders have cash advance loans available for up to $1,500 and they can be directly deposited into your bank account. AdvanceLoans.net and our lenders work together to get you a cash advance loan with no hassles. Apply online today, if you have a bill or an emergency expense that needs to be paid immediately.

No faxing required for Cash Advance
Don’t waste time with other applications that require you to fax in your personal information. At AdvanceLoans.net, all the information that we need to assist in finding you a no fax cash advance is in the online application. Our goal is to get you approved for a cash advance without requiring faxing as quickly as possible so you can get the funds you need.

Save time getting a Cash Advance Online
An online cash advance is here for you when emergencies strike. Whether it’s a trip to the ER, or fixing broken water pipes in your home, an online cash advance from AdvanceLoans.net can help you get through any situation. Don’t watch your finances going down the drain if an emergency happens. We can help locate a lender to provide you with an online cash advance today and in many cases you can receive your funds in as little as two hours.

Get your Cash Advance Payday Loan today!
AdvanceLoans.net can put you on the road a cash advance payday loan today. Fill out our quick and easy application and you can receive a cash advance payday loan today.
Start Your Cash Advance Application Now!

Tags: 100 pages, 2010 fifa world cup, addiction, advancelaon net, AdvanceLoans.net, affording retirement, afghanistan, annual audit, annuity, auction sales, audi, automobiles, bank, bank managers, bank of america, bankers, bankruptcy, bargain hunters, battery cars, billions, birthday, birthday present, blogging, book, boomers, boredom, brainstorming, brands, bulls and bears, bungee jumping, burglars, business, business development, car gadgets, career change, career changepage2, cars, cash, cash advance lian, cash advance loan, Cash Advance Loans, celebrate, change, charles barkley, check out lines, cheese, cheese making, cheeses, children‚Äôs games, christmas, christmas gifts, citroen, clothing, coffee, collectors, confidence, conmen, cotton, cotton clothing, counterfeit medicines, courchevel, cows, credit, credit card sams, credit counseling, cricket, crystal ball, curried chicken, dave kingman, debit cards, debt collectors, diapers, dividends, doctors‚Äô bills, ds3, earthquake, economic climate, electric trainsets, electronic, elvis presley, email scams, embassy, emergency fund, Emergency loans, employees, employment, engine room fire, etfs, facebook, fake pills, ferrari, filing options, financial plan, financial restraints, financial shock, fitness, flash crash, footprinting, ford motors, ford strategy, foreign exchange, fortune, george washington, giving, global recession, goats, gold, gold dispenser, gold pricepage2, google, gym membership, health care, hedge funds, hidden messages, high interest, holiday costs, holidays, household costs, housing crunch, hunting, identity, identity theft, income tax filing, inflation, information age, internet, internet marketing, internet privacy, inventory, investing, investingpage, investment management, investor, ipad collateral, iphones, iraq, james farrior, jeans, job, job interview, Jobs, jobseekers, jordan belfort, junkmail, karts, kidnap, large deals, lawyers, lifelock, loan, loans, long weekend, lost output, lottery, lucky money, make money, maria sharapova, market world cup watches shopping savings mirrored investing, marketplace, mastercard, medical loans, messages, mighty dollar, millionaire, mistakes, monaco, Money, money surprise, morgan contract, motor racing, movie business, muscles, nascar, nasdaq syndrome, natural-disasters, ncaa, norris, north africa, novel, olives, online presence, operations, opportunity, packaging, pakistan, panic, partner, pasteurizer, payday advance loan, payday loan, payment methods, payment problem, pc, pension, pension less, Personal finances, personal information, pessimism, photovoltaics, portfolio, positive thinking, privacy, problems, property, psycho market, publishing, puts, quick cash, quick cash advance loan, ransoms, raphael nadal, recession, resilience, retailers, retirement lifestyle, retirement savings, risk vs reward, robin hood, royal wedding, rupert murdoch, salaries, salary expectation, seasonal business, senior positions, serena williams, sheep, shirts, shopping addiction, skype, small business marketing, smart investors, smooth driving, soccer players, social networking, social networks, software, solar collectors, solar contractor, solar energy, solar maintenance, south africa, south america, spanish lottery, spending, spending money, sports betting, sports earnings, sports salaries, staying alert, stock exchange, stock market, stock market recovery, stockbrokers, student debt, summer holiday, supermarket, supermarketpage2, surfing the web, taxpayers, thanksgiving day, the bank of mom and dad, the love of money, the stock market, the stockmarket 2011, the wolf of wall street, thrill seekers, thrills, tickets, tiger woods, toy cars, tsunami, unemployment, viral marketing campaign, visa, wants, warren buffett, water shortages, wave and pay, westminster abbey, wine, wines, withdrawing money, women‚Äôs jobs, workpage2, world cup 2010, world ticket, world war 2, yoshiaki tsutsumi
Posted in Advance Cash Loan, Cash Advance, Cash Advance Loans, Loans | No Comments »