A Factory Working, College Grad Getting Out of Debt

The B’s that Keep You Broke & How to Beat Them

Every month I’ll share a few little things that can cause you lose to money and some possible solutions that can be implemented to avoid them.  Here’s the second installment of the series! Again, as I said before, my disclaimer on this little series will have both educational benefit and comedic relief.  Some of the items I choose will honestly be all in good fun.

Babies – These little rugrats can be true money pits!  The clothing, the food, the stinky diapers all cost moo-lah!  Beware of these little guys because they end up causing more trouble than they are worth!  My advice is to NOT HAVE CHILDREN!  THE LITTLE MONSTERS WILL EAT YOU OUT OF HOUSE AND HOME! Actually, just be very frugal.  This is where coupons and sales can truly help you on your journey’s addition of a child.  They say that kids can cost nearly $400k to raise over the course of a 20 year span.  I say that they are silly and have no idea what they’re talking about… but be on high alert for those deals and coupons that come in the paper when you have one!  Saving on disposable diapers, socks, etc… can all really help down the road!  And if you’re having a moment with freaking out about college loans… well, how about this, for every coupon you clip, put those pennies in a jar or a piggy bank for the kid.  When the year ends, cash it in and make it into dollars and put it in the college fund as a little boost!  Kids are cute and very good at getting toys and various other items, but stay strong! 😉

Best Buy (& Other Electronic Stores) – These guys can be very evil in their ways.  Prices can be incredibly high, the DVD and Blu-ray discs have a lack of variety, and the quality?  Well…. Just be very careful here.  Do your research! You want to make sure that you get the best deal, and sometimes that means it will be from online; especially if it’s a computer part.  Try looking at sites like Newegg.com and TigerDirect.com.  They certainly have better deals and far more choices for you.

Baked Goods – These things are EXPENSIVE if you’re not making your own.  And if you don’t believe me, go to a Starbucks and buy a brownie.  I could probably make a whole plate of brownies for the price of one brownie from that place.  Buying packaged baked goods can be expensive too.  The only advice I have for you on this one is whether or not you want to spend the time making baked goods or the convenience of already made.  Don’t get me wrong, there have been times when the pre-baked goods from grocery stores and various other places have saved many a school-related activity (but that’s usually because one of us forgot to mention it til the last minute).

Bugs  These crazy things are horrible for not only your house, health, and family, but also your wallet.  Remember, if you see one of these guys in your home, there is a guarantee that there are hundreds ready in the dark recesses to replace it.  Hiring an exterminator may very well be the best option (especially for certain types of pests), but did you know that if you put some ground cinnamon in the areas that you believe ants are dwelling that it will drive them away?  If you’re having problems with ants in the garden, try catnip.  It is a great deterent for the baddies and an attractant for the good bugs.  Eating garlic can help keep summer pests like ticks and mosquitos away if you’re a fan of the herb.  Just be careful of what you sign up for when it comes to extermination… if you feel that what they are doing will kill not only the bugs, but harm you, your family, and your pets, try and find an alternative and leave the expensive fumagation as a last resort.

Black Friday Deals – Since this has already gone and went, I’m sure we’re all grumbling about whether or not this year’s deals were truly worth it.  Honestly, I wasn’t all too happy with stores like Walmart, Toys R Us, Target, and Kmart opening their doors on Thanksgiving day.  It might be retail, but I do not appreciate being told I have to work on a holiday when I used to be guaranteed it off.. or at least an easy, boring shift because everyone in the country was eating at home with their families.  Anyway, Black Friday is a day where deals are supposedly to be had.  In truth, for the last few years the deals are far and few between.  I honestly haven’t found something relevant enough for me to go out in the middle of the night and stand in line and wait for the hours of operation to get a gift for somebody.  I feel the stores are just trying to get you there to lure you in with one item and then have other items that you need at a discount so you buy them at that store too.  Again, that lure has been elusive and I recommend you do heavy investigations on items you’re looking for before you also take the bait.


Count those raindrops!



One response

  1. Simply desire to say your article is as astonishing. The clearness in your post is just nice and i could think you’re an expert in this subject. Well together with your permission allow me to snatch your RSS feed to stay up to date with coming near near post. Thanks a million and please carry on the rewarding work.

    December 7, 2012 at 11:55 am

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