• Finances,  Food,  Frugality

    Bargain Food

    One of the ways I stretch my dollars is by taking advantage of the fact that I work in a grocery store. Every single shift I look around for good deals and take advantage when I can. For instance, when my employer issued coupons for a free 24-pack of bottled water with a purchase a while back, I bought some…

  • Finances,  Frugality

    Evaluating my Decision to Stockpile

    I had a bit of a panic attack the other day while I was cleaning my house. As I was rearranging the stockpile of food and supplies I’ve acquired over the past few months I froze in shock over the sheer volume of what I had acquired. Oh, my goodness, I thought in dismay, have I become a mindless consumer?…

  • Finances,  Frugality

    Panic Attack

    Earlier this month after paying expenses I decided to get a jump on my new goal. Instead of absorbing my current round of royalties into my life I decided to transfer the amount into my brokerage account instead. While I had planned to start next month, I was anxious to begin. I sat down at the computer and logged into…

  • Finances,  Frugality

    Getting Serious About Finances

    While many of the so-called experts are crying, I’ve discovered that my decision to enter the stock market could not have come at a better time. The US Government has decided that inflation is out of control so they’ve started to raise interest rates to “cool off” the economy. According to my research, every single time the Fed raises rates,…

  • Finances,  Investments

    Learning From the Past

    Back in the 1980’s my father, encouraged by friends and family, decided to get involved with the stock market. I’ll never forget my surprise when I discovered that he actually checked two books out of the library and started reading them. Dad never read books. But these he did. Then he snagged a subscription to the local Herald Leader. He poured over…

  • Finances

    What Can I Use to Become Rich?

    Okay, I’ve calmed down a bit since I wrote that last post. I’ve realized that I want to do this, despite my doubts and fears. The next step is to figure out what I have to work with right now. I’ll worry about how to apply that in the future. I bring home $600 a month from my public job.…

  • Finances

    Who Do I Think I Am, Wanting to Get Rich?

    The past few days have been filled with tormenting thoughts. Just who in the hell do I think I am, trying to get rich? Even though my goal is simply to become financially secure, to have enough money to be safe in the event I ever have to stop working again, the thought torments me just the same. Think about it:…

  • Finances,  Investments

    My First Investment

    Note: this website runs a bit behind my real life. Judge my numbers accordingly. Baby steps can move mountains. I know this; I used a progression of baby steps to not only manage to survive while raising my kids as a single mother, I used baby steps when I began my computer repair business and to learn how to start…

  • Finances

    A New Focus

    First off, I want to thank everyone who has commented or messaged me with suggestions. You are awesome, and you’ve given me a lot to think about. Second, I’ve been burning the midnight oil as I try to work out a way where I, the Shoestring Girl herself, can build up some sort of passive income stream that will support…

  • Finances

    Difference Between the Poor and Wealthy

    I’ve spent my nights after work and my days off researching the wealthy. I wanted to learn what they did differently in their lives to see if I could learn from it. To my surprise, I tend to behave rather similar to wealthy folk in some areas. I read a lot for self-education. This one seems to top most of…

  • Finances,  Frugality

    Clearance and Coupons

    The other day my daughter and I decided to visit a local store and search for bargains. While many times we don’t find anything that we need, occasionally we come across a really good deal. This occasion we struck pay dirt. The store had clearanced four boxes of Alka Seltzer Night Time Cold Medicine for $3 a box. This is…

  • Finances,  Frugality,  Personal

    What I Really Want

    I’ve done a lot of thinking as my Katie’s graduation approached and even more now that I know she will leave the nest in a few short months. What next? What do I want to do now that I know I’ll be on my own? I honestly don’t know. I don’t know if I want to remain here, relocate, or…

  • Finances,  Frugality,  Simplicity

    No Regrets

    Now that the kid has graduated from high school, what do I do now? My whole focus these past decades has been caring for her. So now that she’s engaged, that her life is heading in a direction different from mine, it is time to start thinking hard about my next step. Do I want to continue as I am?…

  • Finances,  Frugality

    How to Start Buying in Bulk

    It can be a challenge to switch from only purchasing what you need to buying in bulk. Not only do you have to figure out where to put the items you purchase you need to save up money so you can start buying. I enountered that issue when I resolved to return to my old stockpiling habits here. Money was…

  • Finances,  Frugality

    The Art of Buying in Bulk

    I was taught as a child that buying items in bulk not only saved money when you purchased the items on sale or at a discount, it made life considerably easier because you didn’t have to worry about running out of stuff constantly. I must confess that over the past few years I questioned that teaching. Minimalist gurus preach expansively…

  • Finances,  Food,  Frugality

    Grocery Savings

    One of the things I have never done is factor the cost of food into my budget. Our spending varies too much based on bargains, bulk buying, and available finances for us to set aside a certain amount every month. While some months we barely buy the basics like milk, other months we come across good deals to take advantage…

  • Finances

    Bill Collectors

    Several months ago I received a phone call. It was a debt collector, claiming that I owed money on an old debt. Since I’ve been living and writing about the stupidity of debt for a decade, I was skeptical. Even if I did happen to owe something to someone that I magically didn’t remember, that debt would have fallen off…

  • Cash register
    Finances,  Frugality

    It Pays to Use Cash

    How do you handle your money? Do you deposit your check every payday and then swipe your card when you want to buy something? Every time you swipe your card in public you place yourself in danger. Not only do you put yourself at risk of having your card information stolen by skimmers, you also run the risk of spending…

  • Finances,  Security

    A Pillow for your Bank Account

    It’s happened to all of us. We spend more than we anticipate, a hacker steals our card info, even a mistake at the bank can lead to overdrafts. Just the other day a mistake at a local bank caused the accounts of several personal friends to appear overdrawn due to an accidental double-posting of charges. Keeping a financial cushion in…